vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I never received the required 30 day dubbing letter about this account. It just appeared on my credit and I didnt have a chance to challenge it. I dont know what this is. 

This is a violation and most likely illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo bank rearranged my debits to collect insufficient funds. The purchases I made could not have been done if I did not have money in my account at the time. They charged me 5 overdraft fees for one actual overdraft -- a total of XXXX dollars in fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below arent mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Never been behind on a car payment since XX/XX/2019, have actually been ahead atleast a month or more. But when I got cut over half of my hours at work due to the Corona virus, I called Westlake financial and ask them to please let me make partial payments or if my payments could be lowered. They refused and now are harassing me several times a day on the phone, and sent a negative report to my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I recently submitted a dispute by accident. I confused two different XXXX orders with one another, because they were both for string lights. One of the orders was returned and the other was kept. 

The one disputed originally was for {$47.00}. The order was placed on XX/XX/XXXX. When I realized I disputed this one by accident, I opened up the correct dispute for {$59.00} on XX/XX/XXXX. The latter order was placed on XX/XX/XXXX. 

I have attempted to close out the {$47.00} dispute online, but Chase 's online system won't allow me to close it out. I contacted customer service and they can not close it out either. I was given the phone number for the dispute 's department, XXXX. But they are not open. I am requesting Chase close out the dispute for {$47.00}. The only one that needs to be investigated is the {$59.00} charge. This item was returned 2 weeks ago, and we have an open XXXX complaint with XXXX to get this item refunded because the seller has yet to refund it. 

The dispute number is XXXX XXXX XXXX - {$47.00}. Attachments are included for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In a letter dated XX/XX/2020, I mailed a dispute to XXXX This dispute alleged that 19 hard inquiries were not authorized. XXXX did not investigate and simply asserted that the hard inquiries were a factual matter. IT took XXXX  until XX/XX/2020 or more than 30 days to resolve the matter. 


On XX/XX/2020, I filed an online dispute with Equifax with respect to hard inquiries. I stated that these disputes were not authorized by me. On the very same day, Equifax closed the Dispute and refused to investigate. 

On XX/XX/2020, the court, Norman v.Trans Union, LLC, Case No. 18-5225 ( E.D. PA XX/XX/2020 ), held that XXXX could be held liable for reporting unauthorized credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I started my application process on XX/XX/XXXX. I was denied on XX/XX/XXXX. The loan originator said the application was denied due to the contractor. The contractor provided all the necessary materials and had worked with the bank and the loan originator in the past and referred him/the bank to us. During the application process, there were a number of uncertainties. I spoke with the loan originator on XX/XX/XXXX and he gave us a rate and asked did we want to lock it. We agreed. When he tried to lock it he said his system was not working and he would try to troubleshoot and call us the next day. I did not hear back from him untilXX/XX/XXXX. He once again offered me a rate and went on to say his computer was acting up and he would try to lock it later. I sent him an email onXX/XX/XXXXto ask about the rate. He responded by saying the help desk could not help him and our rate is safe. On XX/XX/XXXX, I received an email stated the rate was finally locked. On XX/XX/XXXX, I reached out via email asking what we needed to do in order to get the appraisal done. He explained that we needed to order a visa/ mastercard and that he could order that. He then told us we did not sign documents sent out on XX/XX/XXXX. I told him we did not receive any documents on XX/XX/XXXX. I talked to him XX/XX/XXXX and explained to him that we only received the one document to sign not a multi page document to sign. After our phone conversation on XX/XX/XXXX, I followed up with an email asking him to resend the documents. I never received the documents and on XX/XX/XXXX he sent the denial email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report collection agency saying I owe them debt when I dont they are also hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am really tired of filing complaints against Equifax. This time I am getting robbed by Equifax. They keep locking me out of my account but they are charging my debit card monthly. This company will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I can not get my account unlocked. I tried to cancel my service and they said NO. I am getting XXXX by Equifax in broad daylight. Please help. Sadly, I am paying monthly service for XXXX, and Equifax.com. I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XXXX/XXXX/2020 30 DAY DEMAND XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XXXX/XXXX/2020 30 DAY DEMAND XXXX/XXXX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report collection agency saying I owe them debt when I dont they are also hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below arent mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below arent mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: OK

Complaint narrative:
My account was blocked and they told me that i couldnt receive my funds until i sent my social security card well all the social Securities are closed and there's no way for me to get my Social Security card the dates for the problem with the prepaid account we're here recently I should have two or three different payments in my account but they blocked it to where I couldn't receive it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX/XXXX/2020 I attempted to contact customer service to dispute fraudulent / unauthorized information on my credit report to be told that this information could not in fact be disputed. This is unethical and should be investigated by the CFPB, these inquiries have a negative affect on my credit report and will result in possible denial of future credit and or loans if needed due to the financial hardship of COVID-19. I wish these inquiries to be disputed. 

Following inquiries are fraudulent and unauthorized XXXX on XXXX/XXXX/2020 XXXX  on XXXX/XXXX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been diligently working on my credit since XXXX of 2019. I have been in a hardship since the COVID -19 and have contacted all 3 bureaus in reference to the erroneous and inaccurate information on the accounts that were damaging my credit. I was also enrolled with XXXX XXXX and they have charged me {$130.00} for the past 3 years and my credit score just kept going down hill. I have spoken to XXXX over at XXXX customer Service dispute team in reference to the erroneous information and derogatory information that was reported. I am in a very distressed period of my life during this new season of the COVID-19. My business has dropped and my bills are piling up but I have been paying and trying to keep my credibility in good standards. The 3 bureaus have been a thorn in my foot since they are charging for credit reports and they are violating all of my rights as a consumer. I would like an investigation on my credit reportsXXXX XXXX Experian and XXXX. I am very stressed in reference to my reports. I take my credit very serious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I restarted a refinance with this loan company now that the seasoning period for the foreclosure is up. They ran the credit, but I haven't heard back from them in over two weeks. 

Emails are attached.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I attempted to contact customer service to dispute fraudulent / unauthorized information on my credit report to be told that this information could not in fact be disputed. This is unethical and should be investigated by the CFPB, these inquiries have a negative affect on my credit report and will result in possible denial of future credit and or loans if needed due to the financial hardship of COVID-19. I wish these inquiries to be disputed. 

Following inquiries are fraudulent and unauthorized XXXX on XXXX/XXXX/2020 XXXX on XXXX/XXXX/2020 XXXX XXXX XXXX   on XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR

Complaint narrative:
On XXXX XXXX, 2020, i received a letter from Bayview Loan Servicing requesting proof of hazard Insurance for my loan. That same day, I obtained the insurance and emailed them proof, along with the condo association Certificate of insurance, to the email on the letter - XXXX. 
On XXXX XXXX, 2020, i received another similar notice and this time, i emailed the proof again to the email and also entered to the website listed on the letter - XXXX/ ( hidden ). Both times I received no response, call, email, nothing. 
Today, XX/XX/ 2020, i received yet another letter, this time stating that they obtained insurance to my condo since i didn't provide proof. 
I have tried calling and they never have anyone to answer the phones. 

My second loan payment, they double charged me and i had to cal twice only to be told that i needed proof, even though they had the money in their account and they were the ones to charge it, in order to get the money back. 

This company is dishonest and predatory and the ones who usually get hurt are people of XXXX such as myself! 
This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX am a victim of identity theft as previously notified, Experian keeps sending me the same repetitive message instead of addressing my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation