vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Spoke to XXXX  XXXX in reference to my account ... ..the account status is listed as derogatory with all 3 credit bureaus. Agent states that it's up to the credit bureau to change the rating. I am requesting that the account status be changed from derogatory to paid. As XXXX  XXXX Agent advised me to do

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 2020-08-31 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: MA

Complaint narrative:
Spoke to XXXX  XXXX in reference to my account ... ..the account status is listed as derogatory with all 3 credit bureaus. Agent states that it's up to the credit bureau to change the rating. I am requesting that the account status be changed from derogatory to paid. As XXXX  XXXX Agent advised me to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo held my mortgage loan for about 10 years, prior to transferring it inXX/XX/2019.. In addition to all of the typical mortgage and foreclosure law violations, ( resulting in numerous class action suits that Wells Fargo is defendant in ) Wells Fargo also continued to call me with its robo-dialers after multiple verbal and written revocations of consent on my part. This is a violation of the TCPA ( Telephone Consumer Protection Act ), which award 's victims {$500.00} - {$1500.00} per call. Wells Fargo then transferred my home mortgage loan to Specialized Loan Servicing in XX/XX/2019 and provided Specialized Loan Servicing my phone # s to also begin contacting me via robo-dialer. They also provided incorrect information to Specialized Loan Servicing regarding the balance and fees on my loan. 

Now that I am filing suit against Wells Fargo, they are denying that they held a mortgage on my home and are denying that they ever contacted me. 
I am moving forward with a TCPA lawsuit against Wells Fargo in the state of Michigan, and will be filing additional claim against Wells Fargo under RESPA ( Real Estate Settlement Procedures Act ) law. 

If you are a victim of Wells Fargo, consult a consumer rights attorney in your area, and ask about seeking damages under TCPA and RESPA law.

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 2020-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc.
State: NV

Complaint narrative:
In Early XX/XX/2020 Simons Agency placed a collection account on my XXXX  report. ( Exhibit A ) Simons agency is claiming I owed {$170.00}. I never received documentation Or calls from Simons agency validating this debt and was provided no information on services rendered. They are in violation of the the FCRA. On XX/XX/XXXX after speaking with the collection agency, I called XXXX XXXX XXXX and they said I had a balance of {$190.00} which I promptly paid to them. ( Exhibit B ). I never paid anything to Simons Agency. There also appears to be a discrepancy between what XXXX  claims I owe and what Simons agency reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX {$15000.00} XXXX XXXX XXXX {$130.00} CHAPTER XXXX BANKRUPTCY DISMISSED {$0.00}

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 2020-08-31 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX {$15000.00} XXXX  XXXX  XXXX {$130.00} CHAPTER XXXX BANKRUPTCY DISMISSED {$0.00}

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 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
For the second time in less than six months, my two credit cards ( Platinum Mastercard and Quicksilver ) with Capital One have been suddenly restricted without notification or explanation from the company, even after written requests.I have not missed a payment on either card, do not typically carry a balance from month to month, and have never approached the credit line limit on either card. 
When I do call to resolve the issue, I am asked to verify my identify by sending in personal documents for each account separately, which leads me to believe there is a fraud issue. However, Capital One does not give details for the account restriction nor do they send correspondence or call like other companies when fraud is expected or to warn of an account being closed/restricted -- because of this, any bills set up for Autopay are declined, leading to late fees, which is very concerning and unnerving during these times. 
Most recently, my accounts were restricted before XX/XX/XXXX and, while being told that they could tell me why the account was restricted, I was asked to send in copies of my driver license, which I did while on the call. As of XX/XX/XXXX, I've not received any updates and the accounts are still restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
Loan # XXXX On XX/XX/XXXX I borrowed {$570.00} from online lender Loan at Last. 
The lender charged me 19 bi-weekly payments or {$150.00} and 1 final payment of {$150.00} withdrawn from my checking account from XX/XX/XXXX to XX/XX/XXXX. Total payments = {$3100.00} on a loan of {$570.00} The interest rate charged is 795.87 % Total interest = {$2500.00} for a {$570.00} loan. These charges are far more than any other legitimate lender would be allowed to charge in any state in the United States. I believe these lenders should be prohibited from lending in all states including NJ. They did not disclose to me while making this loan that they were a tribal lender and believe they are not subject to fair banking laws,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX   XXXX {$3900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX  XXXX {$7100.00} XXXX XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a mortgage with Franklin American Mortgage in XXXX. I paid the mortgage off in full on XX/XX/XXXX, as referenced by a payoff loan official letter from the company. 

Since then, there have been delinquencies reported for over 120 days on my credit report. When I call the company that handles those loans, they have no record of my account, even after providing my social, account number, address, etc. The company, XXXX has no information, FRANKLIN AMERICAN has  no information, and CITIZEN BANK has no information, but the notation on my report is from FRANKLIN  AMERICAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Received a letter In the mail from the collection convergent company from XXXX of the balance of {$700.00} with a reduced amount of XXXX the debt has been well over XXXX years old and it has fallen off my report since XXXX of this year. I was under the impression that is was close given the aged of the debt ... it hasnt effected my credit as of yet but I want or stay on top of it so I wont have any Fluctuation to 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 2020-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: QC HOLDINGS INC
State: CO

Complaint narrative:
Saw my pay check and it had a garnishment of XXXX from XXXX XXXX XXXX XXXX. I email them to stop garnishing my pay check during covid 19 pandemic. They refuse. I cant pay rent. They never contact me or anything. They are taking money from me during a pandemic this is an outrage. Case XXXX I dont even know what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm desperately trying to get in touch with this bureau. I sent letters at least over 60 days ago to this bureau and they have not responded what so ever. I'm highly upset plus stressed out and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it. Don't they have a time limit on how many days they are required to respond to a regular consumer?

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 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
I have previously told Cherrington firm that i can not accept calls until after i am off work. I missed a payment for the case they bought for a debt i do owe, and i'm well aware i owe it. Between COVID impacting our finances and stuff, and for them to call my workplace is not okay.

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 2020-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
my wofe opened up an acoount and i have no acees to she told me inwasnt receiving any oney and come to find theres is money going into that account

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 2020-08-31 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$3900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX  XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$320.00}

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 2020-08-31 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX  XXXX {$3900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$320.00}

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 2020-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Good Afternoon, I financed a XXXX XXXX XXXX thru XXXX which was then transferred to Ally Bank. The car was titled in Maryland, the VIN number is XXXX. The car and loan were included in a XXXX bankruptcy. After filing the bankruptcy, I was contacted by Ally bank and asked if Id like to keep the car. They offered to reaffirm a new loan balance with a new affordable payment. I accepted and paid the entire re-affirmed amount on time and in full. It has been five years since the loan has been paid in full. I actually purchased a new vehicle and also financed with Ally and paid that loan in full as well. I have been attempting to get the lien release from Ally with no success. I was transferred from one department to the next with no success. Every time I call I am told something different. In trying to escalate my request I finally talked to a manager who told me that the lien release was being mailed to me and that I would receive it in 7 to 10 days. I waited a month before calling back again. I have been going back and forth with them for almost a year now. I am now being told that there is an outstanding balance that was not reaffirmed that needs to be paid. They are telling me that I am not responsible for the balance and that they are not attempting to collect it, but that they dont have to release the title. I paid the reaffirmed amount in full and they acknowledge that. The lien should be released as I have paid the reaffirmed amount in full. Without the clear title I can not dispose of the car. It wasnt until I was attempting to trade the car in at a dealer that I realized I did not have the lien release. I dont know what I am supposed to do with the car now. I paid the amount in full that was asked of me when I reaffirmed with Ally. They said legally Im not responsible for paying it and they are not attempting to collect it yet they wont provide me with the release unless I pay it. The case number that Ally has assigned to this problem is XXXX. Additionally Ally can be reached at XXXX option 4. Thank you in advance for helping me to resolve this issue.

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