vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 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: NC

Complaint narrative:
I am writing because I am a victim of identity theft of Wells Fargo. I did not consent to them doing a hard pull on my credit report which lead to a hard inquiry. No written consent is Identity Theft according to 15 USC 1681 consumer report exclusions. The sales rep at the store assured me that I would not get an inquiry on my credit report. I did not even want to apply for the card in the 1st place because I was making the purchase with my current cashback rewards card. Also I am currently dealing with Identity theft and have a fraud alert on my credit reports. The lady insisted that I get the wellsfargo or XXXX XXXX card through them and that I did not have to worry about the inquiry. I have tried calling wells fargo and keep getting transfered to different departments then being hung up on. The sales representative was misleading. I want these inquires removed from both XXXX  and XXXX  consumer reporting agencies. If this isn't fixed within 30 days I will seek monetary damages for my consumer rights that were violated and take legal action. I have filed a report with the FTC on this matter

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 2021-07-09 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with PenFed and they admitted that the 30 day late payment should of never been reported.

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 2021-07-09 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:
I am writing because I am a victim of identity theft of XXXX XXXX. I did not consent to them doing a hard pull on my credit report which lead to a hard inquiry. No written consent is Identity Theft according to 15 USC 1681 consumer report exclusions. The sales rep at the store assured me that I would not get an inquiry on my credit report. I did not even want to apply for the card in the 1st place because I was making the purchase with my current cashback rewards card. Also I am currently dealing with Identity theft and have a fraud alert on my credit reports. The lady insisted that I get the XXXX or XXXX XXXX card through them and that I did not have to worry about the inquiry. I have tried calling XXXX XXXX and keep getting transfered to different departments then being hung up on. The sales representative was misleading. I want these inquires removed from both XXXX  and Equifax consumer reporting agencies. If this isn't fixed within 30 days I will seek monetary damages for my consumer rights that were violated and take legal action. I have filed a report with the FTC on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is one XXXX  of a company! I have been receiving these emails from them for over a year. The emails are alerts stating that my credit score has either increased or decreased, among other things. Within these emails ( that I NEVER requested ) is no option to unsubscribe from from receiving said emails. 
Within the emails is a Membership ID # that apparently means absolutely NOTHING. I've tried going to the Experian website and logging in, but since I NEVER made an account with them, there is no way for me to log in. I slect the " forgot password option, then I put in the email address to which they keep sending me marketing alerts regarding " my account ''. Upon submitting that email address, Experian tells me " We were unable to find any accounts that matched the username you provided. If you don't know your username, click on " Forgot Username '' below. '' So apparently Experian is sending me alerts about an account that I do NOT even have, NEVER signed up for, and can not unsubscribe from. 
And here is the icing on this XXXX cake ... I have called Experian via the phone number provided on their website. It is IMPOSSIBLE to get a human on the phone to resolve my issue. I am NOT giving them my social security number when I do not even want to have an account with them. So I am stuck in a circular argument, with no beginning and no end. To illustrate my point, I advise the CFPB reader of this complaint to try calling the Experian Support Phone Number ( XXXX ) XXXX ..I promise, you will not get a human on the line and instead will have the call disconnected without accomplishing ANYTHING, at all.

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 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
The called my number to collect a debt that isn't me. They called on XX/XX/XXXXst XXXXpdt. The company was Pacific Retrievel LLC. There number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received a letter from Credit Bureau stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure Credit Bureau that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. 

1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Wrong date of opening is being reported. I have never been late with payments on this account. 
XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-07-09 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: IL

Complaint narrative:
I received a letter from Credit Bureau stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure Credit Bureau that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. 

1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Wrong date of opening is being reported. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
We refinanced our VA loan with Quicken Mortgage XXXX XX/XX/XXXX. XXXX XX/XX/XXXX we received an Escrow Analysis Statement the stated we short {$4400.00} on our Escrow account. This to be made up in extra payments of {$360.00} for 12 months ( or paid in full immediately ). This increase is against a mortgage payment of {$1600.00} monthly. Not quite a 25 % increase. 

I called an talked to a XXXX on XXXX XX/XX/XXXX. His response was not their fault it was RESPA. So I sent an email to Quicken Loans Customer Service on XXXX XXXX. They responded that day that someone would look at it and get back to me within 1-2 business days. 

Today, XXXX XXXX, I received an email from Quicken Customer service asking how my dealings with a Ms. XXXX were. I responded no idea because I hadn't been contacted my her. 

Shortly after I received an email from Ms. XXXX that also contained an email supposedly sent to me on XXXX XXXX that I never saw. 

Her response was yes they made a mistake on figuring our escrow account.. No apology or anything else. When I responded she said maybe they could change the shortage payments to over 24 months. 

That isn't the point. The point is this was a refinance on a house we bought in XXXX and there have been multiple tax and house insurance payments made. They knew what our previous tax and insurance payments were, they were given copies. Our escrow portion of our monthly payment was pretty much identical to our previous loan so I didn't think anything about that. And when our monthly escrow went up about {$30.00} to cover the increases in those, fine. But I find it almost criminal that less than 6 months after getting our loan we have to pay an extra {$4400.00} over 12 months because somebody on their staff made a mistake. Nothing has been said about what is being done to them, and we know this isn't hurting

Quicken. And the only apology was for the inconvenience. If they had done their jobs correctly, we wouldn't be inconvenienced by having to pay an extra {$4400.00} six months after the loan was closed.
This money should have been covered during closing and yes we would have paid it. But we relied on them to tell us what needed to be taken care of then, and they failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from to my credit reports. I have attached documentation of the letter that was sent to the furnisher on ( date ). They are still contacting me and this has shown up on my XXXX, XXXX  and XXXX  credit report. I will sue them if they continue to collect that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with XXXX and they admitted that the 30 day late payment should of never been reported.

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 2021-07-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with XXXX and they admitted that the 30 day late payment should of never been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: GA

Complaint narrative:
Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with XXXX and they admitted that the 30 day late payment should of never been reported.

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 2021-07-09 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: IN

Complaint narrative:
I have 50 hard inquiries and I only made 10 of them. I have collections that are not mine. I have open accounts on my credit report that are not mine. I have addresses that I have never lived at. I have closed accounts that are not mine. I have names that are not mine. I sued in small claims and won and they still wont fix 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 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have 50 hard inquiries and I only made 10 of them. I have collections that are not mine. I have open accounts on my credit report that are not mine. I have addresses that I have never lived at. I have closed accounts that are not mine. I have names that are not mine. I sued in small claims and won and they still wont fix 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 2021-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Today is the XXXX day post payment and nothing has been done. Wells Fargo has not provided a confirmation letter as they initially stated they would. Continuously getting told a different story each time I call with insignificant 15+ days hold/delays prior to closing out the account and providing release documentation. Too many excuses.

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 2021-07-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested for TransUnion to validate that this creditor account is accurate and complete. My first request was in XXXX, received zero response. My second request was in XXXX, requested that they validate the accuracy of what is reporting and remove the balance owed and " derogatory '' status due to it being sold and in collections. Ive yet to receive a response in over 60 days that an investigation was even started.

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 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was sued by XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX, XXXX for a credit card debt incurred and signed for in XXXX, NC which was my residence between XXXX - XXXX. The lawsuit happened in XXXX and was served to an address in XXXX, NY that I or no relative of mine lived at anymore and I lost the judgement I was unaware existed until my XXXX XXXX ( XXXX XXXX  at the time ) account was seized in Florida where I then lived behind the lost judgment. I tried to resolve with the firm at the time and they were demanding more money and unwilling to settle with the funds they had already taken through the New York judgement. I walked away from the account and moved on. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a class action lawsuit that happened between XXXX against them for the sewer service situation that I should of been a part of and was not. They settled for XXXX XXXX and that information was likely sent to that address in NY also. The lost Judgement against me is still active in XXXX, NY and I need it vacated since it clearly says on the judgment the server taped the subpoena to the door of an address I hadn't lived at for 7 or 8 years and was not where the debt even occurred that I was being served for. The lawyer was aware at the time NC was a state I could not be sued in. 

In XXXX the case was transferred to XXXX XXXX Fl where XXXX XXXX XXXX XXXX took me to court and I was granted an exemption and told to resolve the case in NY so no other law firm would try to collect again. Since then the debt has moved to XXXX XXXX XXXX. I was told at that time about the judgments being vacated but now I am finding out it not and is still active in NY and Florida and simply had an exemption on it now.

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 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX on Banco Popular i have the balance to cover 3 ach transactions from XXXX on XX/XX/XXXX, the bank processed the transaction late causing my account to get over the balance. The bank charged {$15.00} for over the limit. Having the balance the bank used the funds to cover a XXXX XXXX XXXX transaction on the same day. 
The bank dont send the required by law statements. And dont pay the transaction returning the payment and thefting my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
in 2010 I worked with Fannie Mae and they helped me do a mortgage workout with XXXX XXXX XXXX.at XXXX %. Over the last few years they steadily raised my interest rate to XXXX % and sold my mortgage servicing to New Rez, LLC. I inquired with New Rez about refinancing the entire mortgage into a XXXX % 15 year mortgage over four months ago. I have supplied all of the necessary documentation and easily qualify with my income to debt ratio. Since that time they have continued to push for a 20 year mortgage at XXXX % which I do not want. Truthfully I should still be at 2 % and nearly paid off anyway since they borrow money at XXXX %. I need help getting a way to pay off my house early and a reasonable interest rate. I simply do not trust mortgage servicers based on my experience with XXXX. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Loan number is XXXX. I sold the home and it closed on XX/XX/XXXX. Payoff funding occurred on XX/XX/XXXX. As of that date there was an escrow account balance of {$1500.00} owed to me, the seller. Mr Cooper confirms this, and I have the account statement showing this escrow balance. I began contacting Mr Cooper shortly after that about the refund. I have contacted them at least 14 times by phone, each time confirming that the escrow refund is due to me, but with multiple conflicting stories of why I haven't received it. I have a detailed phone log, and all documents, to corroborate my complaint. I again contacted Mr Cooper today, XX/XX/XXXX, and am still attempting to get the refund. I still have not received my escrow refund, over eight months post closing.

Company response to consumer: Closed with explanation