vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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: MA

Complaint narrative:
Good evening, and how are you? This is going on for almost 90 days and i haven't received any responses from my previous disputes about this XXXX XXXX. This account was actually deleted or removed from XXXX  and Equifax due to several violations on reporting but equifax continues to ignore my request for deletion. It's illegally re-aging my account because it's reporting incomplete, unverifiable, and inaccurate information. There is no way that this could've been verified or looked into. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information
about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan depot spent almost 3 months on a refinancing application, first promised approval by XXXX XXXX Then kept asking me for various documents which I submitted They said your loan is already approved we just need to do the appraisal and then we close there is no problem They went out an appraiser who wasnt qualified to do an appraisal and did inadequate job. Loan depot asked me to pay appraiser XXXX $ and then denied my loan I spent the whole weekend in tears because I spent XXXX $ for nothing and they devalued my house and denied my loan and refuse to refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I paid this collection account with CREDIT COLLECTION foXXXX XXXX  on XXXX and they have not update it to a {$0.00} or removed it from my credit report. When I spoke to them they said they would remove it from my report. I recently pulled my credit report and it is still showing on there. I spoke to an attorney about this and this is a huge FCRA violation. For one they never updated it to my credit report. it is still reflection the balance I owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, the XXXX  XXXX XXXX XXXX dealership inadvertently registered and financed the incorrect vehicle in my name. On XXXX, I caught this error and contacted the finance director at the dealership. At that time, I was advised by the director that they would have to send the finance department at Nissan Motor Acceptance Corporation a check to  payoff this vehicle. Thus, a check was sent overnight to them on XX/XX/XXXX by XXXX and NMAC received it on XX/XX/XXXX. As of today, this check still has not been processed and this account remains open in my name. I've called the finance department at NMAC at least 10 times to check on this account and as of today it still in the same status for the full balance of that vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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:
TO WHOM IT MAY CONCERN, I AM APPALED AT THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. I NEVER SIGNED UP FOR XXXX. I AM A VICTIM OF IDENTITY THEFT. I AM ALSO APPALED AT THESE EXCESSIVE INQUIRIES ON MY CREDIT PROFILE. THESE ARE A VIOLATION OF MY RIGHTS. THESE FRAUDULENT ITEMS ARE ALSO A HINDERANCE FROM ME DOING IMPORTANT THINGS I NEED TO DO. THESE INQUIRIES AND FRAUDULENT ACCOUNTS APPEAR TO BE AN EFFORT TO HOLD MY CREDIT SCORE DOWN, SO THAT I AM CHARGED HIGHER INYTEREST RATES FOR ANYTHING I HAVE TO CREDIT QUALIFY FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: NJ

Complaint narrative:
I have been a XXXX mortgage customer since XX/XX/XXXX and have never had issues making a timely payment. In XX/XX/XXXX XXXX changed their online payment system & since then I've had 2 consecutive months of issues. The first was the lag time  between my XXXX payment submission & payment posting ( 5 days ) which caused my account to be flagged as 30 days late & dinged my credit report. ( This is the first time a payment submitted was not applied same day. ) The second was when  attempting to submit my XXXX payment, the payment never went through. I was forced to call ( for the first time in almost 4 years ) to make a payment to ensure that my account was current. That payment was made on-time.

This issue with their new online payment platform has created a much more concerning situation where now my credit has been impacted. 

I've called XXXX 3-4 times to rectify this error & the associated impact to my credit report. Since reaching them & logging 3 complaints/cases & now waiting 48 hours+ for a call back my Experian credit report shows as " data unavailable '' for XX/XX/XXXX and reflects paid for XXXX & " 30 days late '' for both my XXXX & XXXX XXXX mortgage payment. It is XX/XX/XXXX, my account can not be 30 days late 7 days into the month ... 

This 2 month " hit '' has decreased my credit 92 points at a time when I am attempting to close on a new home. I am extremely concerned that this will impact my ability to close on a home I am under contract to purchase. I'm unsure how to resolve this issue but I need it resolved ASAP.

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 2020-10-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently saw that I have 2 credit cards that I never applied for. I am a housewife and don't work so never had the need to check my credit but when I recently chekced after a long time thats when I found out that there are 2 credit cards whch I have no knowledge of and are unathorized acccounts which ARE NOT BY ME THEY ARE OPENED FRAUDENTLY. I AM A VICTIM OF IDENTITY THEFT AND I AM JUST FINDING OUT ABOUT IT!!. I would like to get these both unathorized fraudentlt accounts off from my credit. These 2 accounts have hurted my score alot and during these hard COVID times i can not afford to loose another chance to miss on an oppeetunity.. These cards both have balances on them that I did not authorize at all. These Both credit cards are fraudlent. Please resolve this mater as soon as spossible as ths is an urgent case. 
Following are names are of unauthorized acounts 1.XXXX  XXXX XXXX   acount ending in XXXX 2.XXXX  XXXX Credit card Thats all the info I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently saw that I have 2 credit cards that I never applied for. I am a housewife and don't work so never had the need to check my credit but when I recently chekced after a long time thats when I found out that there are 2 credit cards whch I have no knowledge of and are unathorized acccounts which ARE NOT BY ME THEY ARE OPENED FRAUDENTLY. I AM A VICTIM OF IDENTITY THEFT AND I AM JUST FINDING OUT ABOUT IT!!. I would like to get these both unathorized fraudentlt accounts off from my credit. These 2 accounts have hurted my score alot and during these hard COVID times i can not afford to loose another chance to miss on an oppeetunity.. These cards both have balances on them that I did not authorize at all. These Both credit cards are fraudlent. Please resolve this mater as soon as spossible as ths is an urgent case. 
Following are names are of unauthorized acounts 1.XXXX XXXX XXXX   acount ending in XXXX 2XXXX XXXX Credit card Thats all the info I have.

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 2020-10-07 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 received an Email from XXXX that I have a collection On my credit when I Check my credit profile I seen the inaccurate Account on my files that I did not Authorize I had This issue in the past. I thought it was over, now I'm noticing someone is trying to open knew Accounts using my personal Information please put a block on my credit where if someone pulls my credit i would have to be notified.

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 2020-10-07 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: NV

Complaint narrative:
There are creditors on my credit report that I do not recognize. I am disputing them for a full removal. I am not a credit repair company, and since I am sending you my personal documents, I can assure you I am who I say I am. Please remove the listed items off of my credit report as it is hindering me from buying a house. Thanks.

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 2020-10-07 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: NV

Complaint narrative:
There are creditors on my credit report that I do not recognize. I am disputing them for a full removal. I am not a credit repair company, and since I am sending you my personal documents, I can assure you I am who I say I am. Please remove the listed items off of my credit report as it is hindering me from buying a house. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: CA

Complaint narrative:
{$250.00} a Disputed Debt with XXXX. XXXX  was guilty of Breech of Contract & is TRYING to use collection agencies in an attempt to extort the amount from me. I send a dispute letter to the collection agency & they choose to not only ignore it but to put it on my credit report. This is not only unethical but illegal!

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 2020-10-07 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: TN

Complaint narrative:
I started an initial dispute on XX/XX/2019 regarding errors on my credit file. I requested that the items be deleted. I also submitted a Federal Trade Commission Identiy Theft report as well as a Police report regarding accounts obtained because of Identity Theft. Experian as yet to comply with section 605 of the Fair Credit Reporting Act. Please make sure they adhere.

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 2020-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I sent a check for the full payment Of approximately {$17000.00} on the loan by priority mail. I provided the delivery confirmation to the lender Indicating the check was delivered to them on XXXX XXXX. The lender claims they do not have the check and they require me to wait 7-10 days for the mail to arrive. The check was sent priority and arrived on XXXX XXXX. As of XXXX XXXX they continue to claim they do not have the check. This is not acceptable. They dont even read the question when you send them inquiries. They just respond with prepackaged responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to two different Wellsfargo Banks neither one would Help me I explained to XXXX XXXX something is still going on with my Account their is a Third Party Company that has all my Information the Company name is XXXX  XXXX XXXX XXXX  on my Account in the XXXX  XXXX  I ask to have it taken off because its not mine I wasnt Successful in getting that done at all then I went to XXXX so they could check the car out for bugging & Tracking since thats what the Scammer did to my Cell Phone in the process at XXXX since they couldnt see my car wanted me to leave it and get a rental from them but I wasnt able to do that because of the Account payment wouldnt process even though the money is there first it got Declined then said the card is restricted for car rentals the Bank is well aware of whats going on here 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 explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We applied for a Home Mortage with Bank of America. We got approved and submitted all the paperwork they were asking for. Each week they came out with a new excuse why we couldn't close. Each week we had to submitted the same paperwork we had submitted because somewhere in between it got lost. They had said it was going to close XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then next week, week and that was their excuse. We started with one agent then another then another then another. We have almost perfect credit and everything we have is paid. We were in the original contract from owner to owner to but the home. We started getting charged rent because we couldn't close. This was after being approved. In the end they had someone else call us and deny us from something that didn't make sense. Saying we had too much debt. When our debt is only XXXX per month. And we had been approved for a lot more than we were asking for. So in the end our credit got hurt, we lost the house, had to pay rent for something that wasn't even our mistake. Bank of America is the worst at Mortgages during this time and can not answer calls and just give you the around round. People finance should not be a joke the way we were treated was the worse. I withdrew all my savings and checking because I do not want anything to do with such an awful bank.

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 2020-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
I purchased windows from XXXX XXXX XXXX from XXXX, Texas on XX/XX/2020. The representative XXXX XXXX told me the windows would cost XXXX. I ordered a total of 9 windows and the representative quoted me XXXX for the following : 6-double hung windows measuring approximately 31.5 inches by 52.5 inches. 
2-double hung windows measuring approximately 36 inches by 52.5 inches 1-picture frame window measuring 27 inches by 52.5 inches. The rep stated that picture framed windows were cheaper than double-hung windows. I asked if I would receive an invoice and he said yes. 
I measured the windows myself because I never received an invoice from XXXX XXXX XXXX  even though I asked numerous times. The representative completed the forms for financing through Greensky. I was approved and I was told that I would have to start paying in 4 months. The windows were installed in XXXX and when the installer came to install the windows there was a mistake with the windows I ordered. Instead of getting a picture frame window for the window measuring 27 inches by 52.5 inches, I got a double-hung window and 1 picture framed window measuring 36 inches by 52.5 inches. I told the installer to just leave the smaller-sized double-hung window and since they already had to order another window I requested to just replace the larger double-hung window to match the picture-framed window. I received an email later the next week from Greensky asking me to accept the charge of XXXX. I declined because I did not get an invoice from XXXX and I should have received an adjustment for the cost since I received 2 large picture-framed windows because of XXXX XXXX  error. Greensky representative said she would investigate the matter. After a week, a Greensky rep told me that they closed the investigation and I had to pay the XXXX because that is what I agreed. I feel like Greensky did not try to dispute the charge on my behalf. I did call XXXX and I spoke to someone in finance and they stated that no one had inquired about the charge and they would let me know. As of today, no one from XXXX XXXX  has contacted me. I just want to be billed correctly. I feel like I am paying more than what I should and I'm in the dark of what the charges because I never received an invoice. Today I received a billing statement from Greensky and it indicated that I had to make my first payment by XX/XX/2020. My issues are with both XXXX XXXX XXXX from XXXX, Texas, and Greensky. 
In my statement, they ran my credit for a purchase of XXXX. I never approved that much to be run on my credit. There were several inquiries into my credit. This also needs to be investigated. The statement indicates that I was credited XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
hi i made a payment on my td credit card and for some reason td didnt register it. 
because of this td sent to the credit bureaus ' that there was a missed payment. this is not true. when i reached out to td they agreed to waive the late fees but were not willing to help regarding the incorrect missed payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I have filed multiple disputes with this company to let them know that this card is not mine and they need to delte it from my credit report. I've sent multiple ftc reports and sent them in police reports to remove this account from my report. It is not mine and needs to be removed from all three credit 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 explanation
Consumer complaint received 2020-10-07 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: CORELOGIC INC
State: CO

Complaint narrative:
My Name is XXXX XXXX, DOB XXXX XX/XX/XXXX ) In XXXX of XXXX I made a call to XXXX XXXX  to make a payment on a collection account, I also asked XXXX XXXX  for a pay off letter because i need this removed from my Credit report However they failed to do so.. And I am still struggling to get this account removed from my report which is affecting my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received 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