vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I have been a customer of Ford Motor Credit since 2013 and during that time, I have enjoyed my experience with Ford Motor Credit greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to 2013. All of the late payments are 30 day lates. Since that time I have been an exceptional customer paying early every month and have been rewarded by Ford Motor Credit with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 6 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Ford Motor Credit is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Ford Motor Credit. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Ford Motor Credit has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Ford Motor Credit is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX - ACT # XXXX {$0.00} -- - {$500.00} -- -- - {$810.00} Opened XX/XX/17 This Item does not belong to me and I have tried disputing it with the credit bureaus and that have determined that it is my debt. This account was open fraudulently and is not mine. I have filed all police reports and ID theft.gov reports as well and submitted all to the bureaus.

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 non-monetary relief
Consumer complaint received 2019-10-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom Mortgage caused a huge problem with my bank account and did not follow instruction properly on processing of my payment. This created me to be late the following month due to their negligence in handling the problem and resolving immediately. they submitted for payment several days after they were supposed to process ACh payment, which is supposed to process immediately that day or day after, They also received payments as proven by bank statements I sent to them showing proof of this. After calling them they were arguing with me about something that was clear as day. 

I mailed another check to them 6 days before months end and they said they never received it even though all my other bills mailed same day were received by other service providers. they stated they would consider it late because of this. However, the ACH that should of been processed on a particular day would have avoided the so called late payment on record.

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 2019-10-01 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: CA

Complaint narrative:
I have sent each credit agency letters stating that the information they are reporting does not belong to me. Each agency is reporting names and addresses that does not and have never belonged to me. 

this is incorrect and needs to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses 1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX, CA XXXX with all of the fraud and data breeches with the credit agencies I need my information to report legally and correctly on my file. 

I am submitting my id and social please update my name as it stated on these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: CA

Complaint narrative:
I have sent each credit agency letters stating that the information they are reporting does not belong to me. Each agency is reporting names and addresses that does not and have never belonged to me. 

this is incorrect and needs to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses 1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX, CA XXXX with all of the fraud and data breeches with the credit agencies I need my information to report legally and correctly on my file. 

I am submitting my id and social please update my name as it stated on these documents.

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 non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
1 I opened a Savings Account with BMO Harris Bank on XX/XX/XXXX. A initial deposit by check of {$5000.00} was sent to them on XX/XX/XXXX. The check was paid by my Bank on XX/XX/XXXX. Now BMO Harris has put a hold on the funds until XX/XX/XXXX which is 12 days AFTER my Bank disbursed the {$5000.00}. In the meantime the money is idle and not earning interest. This hold of 12 days is excessive and abusive. 
2. The interest is not posting as of the end of the month as it is customary with all Banks. BMO Harris says it will show the interest posted at the end of the monthly cycler. 
3. To talk to a human at BMO Harris takes usually 30 minutes or more on hold. UNACCEPTABLE! 
4. Communications by email go unanswered. 
5. When you ask to talk to a responsible Manager you are not allowed and given a runaround. 

In my opinion, this Bank is a SCAM and should be investigated by Federal Banking Authorities. I have now made a 2nd deposit of {$5000.00} via on-line transfer and they don't even acknowledge that 2nd deposit. I am very concerned that my {$10000.00} will be lost! 

Please investigate and let me know! 
Thank you.

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 2019-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AL

Complaint narrative:
I contacted FedLoan services about cancelling my account and getting a refund since it was advertised and they said they could cancel the account but could not give me a refund. I contacted them on XX/XX/19 about this. This is a public service forgiveness program and I am not in public service. I can not get enough information as to why I can not and I was not given this information at the set up process. I was unaware I would be out 3 payments of {$180.00} to a total of {$550.00} that I paid. I need a refund and I have nowhere to turn to to get my money back. I just want to dispute the charges made to my bank and get my money back since I will be using my bosses service company to pay back my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had registered a complaint with Wells Fargo before ( XXXX ) regarding a closed credit card. In that case, I didnt receive information because Wells Fargo could not updated my contact details. At the closure of this case, Wells Fargo has stated they had updated my contact information to my current XXXX address and XXXX phone number. I have only an international number and no US cell phone number. 

Saturday ( XXXX ) I tried to make an internal bank transfer from my account to a friends Wells Fargo account. The internal bank transfer is known as XXXX. I did this using Wells Fargos mobile app in a logged in environment. The payment was blocked and the mobile app prompted me to call customer support to identify myself. 

I called the number and through Wells Fargos IVR, I provided my card number and gave my last 4 digits of my social security number. Once I was verified, I spoke with a representative that said I needed to receive an SMS for their internal 2-factor verification process in order to send my money to another Wells Fargo account. 

I told them I havent received an SMS and it was because they had a U.S. phone number registered on my account. Ultimately they failed to update my contact information from the previous CFPB case and have sent the code to a random number that was not me. I escalated and the next individual also said they they would not be able to help me move my money without a verification. I asked him to escalate it again but he told me to call back in 2 hours. I told him I would contact CFPB instead and I gave him the email address and he verified that it was the same email address on file. 

So through this process I was verified 4 times using 3 different sources ( email on file, card number and name on card & last 4 digital of SSN ). However, they said that I was not verified, but still discussed account details on my account. They allow refused to allow me to conduct an internal bank transfer with my money.

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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed chapter XXXX bankruptcy on XX/XX/XXXX. I had two credit cards from Capital One that were included in that bankruptcy which is almost paid off, current, and never delinquent. Capital One and XXXX XXXX are reporting late payments to those Capital One accounts as recently as XXXX. I was never late on those cards ; they are included in bankruptcy ; I do not make any payments to Capital One on those cards, therefore, payments are not late and should not be reported at all. I have tried to get this corrected. The " late payments '' are affecting my XXXX XXXX score and are creating a barrier to getting a mortgage. 

They must remove any payment history after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
I am writing to request your help. I tried to solve this matter with Grant & Weber in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me. As of today they have failed to provide me with the proof I have lawfully requested. This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : Grant and Weber XXXX. Opened date : XX/XX/XXXX. Limit : {$500.00}. Status : closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

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 2019-10-01 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:
Hi my name is XXXX XXXX and I'm reaching out to you all once again in regards to my credit report. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I reported this issue to the police already and have contacted the FTC. These items are not mine and I have no idea how this happened but these items still need to be removed from my credit report : XXXX XXXX  US DEP ED, 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 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
Was sent a letter on XX/XX/2019 by Credit Control LLC, stating that I owed this debt with XXXX XXXX XXXX , XXXX. This is at least the second company XXXX has sent this debt to for collection that I do not owe. I have disputed it previously on XX/XX/2019 with XXXX XXXX XXXX for the same debt with XXXX. Everytime I dispute it they just transfer it to another company to harass me.

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 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
After I reported fraud on my account, my account was frozen. I warned bank at that time that I am expecting social sect payment in that account. The bank informed me that it wouldnt be a problem that they will open new account and will transfer my funds to that account. 
Almost two months later my social security is on frozen account and when I call I get transferred from one department to another.

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 2019-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Oracle Financial Group LLC.
State: ID

Complaint narrative:
apparently it was turned over to oracle financial group who called my husband XXXX told him they could take our car if we didn't pay over XXXX dollars to them. he paid XXXX and they said it was not enough they would call at later date for more

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 2019-10-01 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: GA

Complaint narrative:
I contacted your office months ago after I was notified that there were items being reported to my credit that did not belong to me. Many of those items have been removed, however, now that I've been monitoring my credit closely, I've noticed new items that hove been placed on my credit that hove no name. only account numbers. Please remove these items as soon as possible. XXXX XXXX XXXX ( account # XXXX ) XXXX XXXX XXXX ( accnt # XXXX ) Item # 1- No Name ( account number XXXX ) Item # 2 No Name ( account number XXXX ) Item # 3-No Name ( account number XXXX ) Item # 4- No Name ( account number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 i responded to a cold call from a slaeman from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX ) i said that i would be interested in seeing what was available but made it clear i did not want my credit report pulled. I reported that i had several credit reporting apps and had a rough estimate of what my score was. When i arrived at the dealership i discovered that my report had been pulled and several inquiries were made. I never gave verbal or written permission for that to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed chapter XXXX bankruptcy on XX/XX/XXXX. I had two credit cards from XXXX XXXX that were included in that bankruptcy which is almost paid off, current, and never delinquent. XXXX XXXX and Trans Union are reporting late payments to those XXXX XXXX accounts as recently as XXXX. I was never late on those cards ; they are included in bankruptcy ; I do not make any payments to XXXX XXXX on those cards, therefore, payments are not late and should not be reported at all. I have tried to get this corrected. The " late payments '' are affecting my Trans Union score and are creating a barrier to getting a mortgage. 

They must remove any payment history after XX/XX/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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to my XXXX XXXX which I monitor with XXXX XXXX XXXX, my score dropped over 100 points within a 30 day period. There were no significant changes to my credit report other than my move ( two blocks ) to a different apartment. This is not supposed to affect the 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 2019-10-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
Harrassment dealer refused to accept payment XX/XX/2019. My account is currently paid. I have a payment due today XX/XX/2019. I recieved a visit today XX/XX/2019today from auto task force harassing family about vehicle. This dealer cactus jack intentionally tries to attempt to force you to default on payments. This dealer never mentioned the vehicle was in accident before also. This shady practice of attempting to force default instead of encouraging payment. Then to send someone to my home with fake legal documents about the vehicle that is not behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
Was sent a letter on XX/XX/2019 by XXXX XXXX XXXX, stating that I owed this debt with Pinnacle Credit Services , LLC. This is at least the second company pinnacle has sent this debt to for collection that I do not owe. I have disputed it previously on XX/XX/2019 with XXXX XXXX XXXX for the same debt with Pinnacle.  Everytime I dispute it they just transfer it to another company to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: OR

Complaint narrative:
My background through first advantage consumer reporting. 
I applied for a job with XXXX XXXX and 1st advantage reported some erroneous information on the report. 
I never had a charge of aggravated assault XX/XX/XXXX nor any charge of unlawful possession of a firearm nor a charge of unlawful purchase of a firearm.XXXX And I certainly never was convicted of such either. 
The firearms charges were false info only.I disclosed everything and they messed up the information.I am legally able to have my firearms.Sell or Otherwise.those charges were due to a pawn shop form I misunderstood and tried to answer truthfully.My ex wife had a protective order in place which was all based on false information.I was charged with on XX/XX/XXXX with XXXX XXXX but I certainly wasn't convicted of that charge.It was simple XXXX a misdemeanor and not a felony.Plus the whole thing was based upon false information in the first place.

Company response to consumer: Closed with explanation