vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: GA

Complaint narrative:
Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that XXXX XXXX the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX, AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.

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 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We purchased our home in XX/XX/XXXX & started to receive monetary penalties for late fees a few years later. The late fees were not announced to us until they were accumulated for a number of years. The mortgage statements reflected a penalty amount that was large, I did not know what this was. I contacted Wells Fargo & it took a while for them to respond. They said the problem was that I made late payments, let me be very clear : all morrtgage payments have always been made by me bringing the mortgage payment to the Wells Fargo XXXX XXXX miles from my house & within the grace period. In the information I received back from Wells Fargo the payments were accepted but posted on a later day rendering a late charge. This makes no logical sense. This went on for years. I did a lot of tracing thru my bank versus their records & it was always the same problem, posting was not the same as the payment date. I eventually saw that I was not going to win this & paid the late fees which amounted to {$3600.00} in XXXX. XXXX month later there appeared another {$90.00} late fee from a XXXX inspection fee for an inspection that never took place, I called & it was removed & waived.

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 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I called XXXX XX/XX/XXXX, because I had gotten a notice stating that I did not make my mortgage payment. I did make to Mr. Cooper on XX/XX/XXXX confirmation # # XXXX in the amount XXXX. When I called Mr. Cooper the woman who answered ( in TX ) Hung up on me. I called again later that day and was told by a employee of Mr. Cooper that I did not make my paymen t and my hourse was going to go into foreclosure. I let her know that I did make the payment and gave her the confirmation #. She told me that my bank rejected it. Which I have been making payments to this same ortgage company since XX/XX/XXXX whith no problem. I went to my back that day after work and I was told by the back that there was never a attempt on putting throught the payment from Nationstar Mortgage ( Mr. Cooper ). I called the bank when I got home and I was told again I did not make my payment they were in the process of forclosure and I explained everything about to this women if I was going to make the payment for both XXXX and XXXX. I said yes but to geive me atracking number for the payment that my bank rejected on XX/XX/XXXX for # XXXX. She put me on hold while she spoke to her XXXX. And she said that she would waive the {$86.00} XXXX later fee and the {$15.00} XXXX Fee. So I made my XXXX payment on XX/XX/XXXX confirmation # XXXX in the amount of {$4100.00}. On XX/XX/XXXX I went in to my bank account to see if the payment went through I was told still no payment had gone through on their side and that my bank rejected it for insufficent funds. This is not true I went back to the bank and I was told that the Nationstar Mortgage only entered in 4 of the 6 numbers for the account number. So the bank needs to ID the 6 numbers not 4. I called Mr. Cooper back on the XXXX they told me to wait till XX/XX/XXXX to call them back to see if the payment went through. No fees will be put on your account I am putting that in right now I was told. I could not call on XX/XX/XXXX because my daughter had XXXX. I called Mr. Cooper on XX/XX/XXXX at XXXX and was told by XXXX in TX that the payment was past due, she was nice and cleared all of the charges again and double checked with me the account number and the routing number and I approved her to resend the payment, she said to give 24 hours. I have and still the money is in my account no payments paid. I can not do this any more. and with my husband just loosing his job and this Mr. Cooper not able to put my payments through is XXXX percent rediculess. Can you please look in to this for me please. I was told by XXXX that I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: I.C. System, Inc.
State: GA

Complaint narrative:
Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that IC SYSTEM the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX, AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.

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 2023-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
I was contacted by XXXX that my credit score decreased due to unpaid debt to XXXX fro {$310.00} by Vance & Huffman LLC. 

I contacted XXXX who confirmed that I have no debt. 

I contacted Vance & Huffman with no response. 

My credit score dropped XXXX points due to this fraudulant claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On or about XX/XX/XXXX- Capital One Bank made a hard pull of my credit without consent or application for a " XXXX '' card product in my name. I was alerted to the situation via XXXX and XXXX credit monitoring to which I subscribe. 

I contacted the bank and reported to them that I did not make application for the card. Bank representative asks several questions in regards to whether I was sure it was not me, I confirm it was not myself and report to them that the application must be fraudulent. 

The bank representative agrees and states that the account will not be created and no card will be mailed and the bank will rescind the credit pull with the credit bureaus to correct any negative effects on my credit. 

I begin to ask several questions about who could have applied for this card or where it was being shipped. The bank representative has no answers only stating that the account will not be activated so there is nothing more that needs to be done. 

I then report to all credit bureaus a fraud alert on my identity on XX/XX/XXXX. 

On XX/XX/XXXX I receive a Capital One XXXX card in the mail, to my home residence, with my name on it. 

As of today, XX/XX/XXXX, the credit pull inquiry from Capital One Bank still exists on my credit report for all bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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: CA

Complaint narrative:
The credit bureaus are reporting inquires that arent actually mine, which is an infringement of my privacy. I have the right to decide what I deem private. I deem my hard inquiry information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

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 2023-01-24 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: NM

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2003 I contacted Comenity Bank to request a reduction in my interest rate. I was outsourced and they transferred me all over the place finally telling me that I had to put it in writing and giving me the address to send my request to : Customer Care, Comenity Ban, XXXX. XXXX XXXX, XXXX, Ohio XXXX. Today I received a response from them telling me to call Comenity Bank. I called and they were unable to verify my information, told me my birth date and the last four digits of my social didn't match. I asked for a supervisor and they transferred me to the collection department which couldn't help me as I wasn't in collection. I asked for a department to contact other than Customer Care as Customer Care didn't seem to understand the request and neither did anyone else at Comenity. They suggested that I apply for a hardship, which is not what I wanted to do. At this point I would simply like to be able to contact someone at Comenity that can stop " customer service '' from giving customers the run around, while I shop for a bank to transfer this card and a card that has apparently been sold to them by XXXX to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus are reporting inquires that arent actually mine, which is an infringement of my privacy. I have the right to decide what I deem private. I deem my hard inquiry information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

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 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: NY

Complaint narrative:
I tried to get mortgage to purchase a house in Florida. DHI Mortgage ( lender  ) in collusion with D.R. Horton ( seller/builder ) engaged in a bait and switch scheme on interest rates, as well as to manipulate the mortgage application process to support D.R. Horton 's position to give DR Horton an unfair advantage on issues re.the contract/ Agreement executed XXXXXXXX. Both entities conspired to offer a low rate at the beginning, which I accepted and applied for the mortgage to DHI Mortgage ; then they began steering and forcing me to accept a higher interest rate/higher-cost mortgage using ploys, pretexts and threat from the selling agent. When I did not accept the higher rate, DHI Mortgage issues an " Application denied '' statement on XX/XX/22, notwithstanding my credit score over 800 points ( XXXX ) and excellent credit history. which the seller  ( DR Horton ) used to keep my XXXX XXXX ( XXXX XXXX ) as ofXXXX 
DHI Mortgage engaged in unfair, deceptive and unethical lending practices and together with D.R. Horton ( seller  ) engaged in overt and covert discrimination acts against me because of my race, color and age ( XXXX male ). Their employees/gents made prejudicial statements as well as imposed unusual and requirements on me to get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying since the middle of 2021 to get an account created with myEquifax.com. I have been constantly on the phone with representatives and I get a different answer each time I speak with someone. I WANT MY ACCOUNT CREATED NOW!!!!! It has been repeatedly asked that I submit a Soc Sec Card and my Driver 's License to confirm my identity. I have submitted those items several times because I have disputed items on my credit report and the results are sent to me EVERYTIME! 

I am tired of the run around and when I asked to wait for anything, I am always hung up on. The low down scamming behavior that exhibits with these credit bureaus are insane. The more they scam us out of money, the more they get away with by just paying {$5.00} in a settlement fee! 

I will be contacting my LAWYERS and I will be compensated for the continued abuse of power from these agencies. 

I want my account created NOW and stop it with the excuses!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are rquired by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fraudulent account. 
I damand to see verifiable proof ( i.e. : an original consumer contract withmy signature on it ) that you have on file for the account listed below. 
Your failure to positively verfiy these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately i.e : an orgianal consumer contract with my name on it ) that you have on file for the account listed below. 
XXXX XXXX XXXX XXXXXXXX Loan with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
Account is reporting 3 diffrent dates of last activity., there are 3 diffrent account STATUS, XXXX is reporting a DEROGATORY, while XXXX reports a PAID account 3 diffrent last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while XXXX is reporting 120/late also with no late payments reporting. if it's the same account being reported by the same creditor why is this different? Delete account for inaccurate reporting.

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 2023-01-24 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: PA

Complaint narrative:
The credit bureaus never did a proper investigation according to the FCRA In accordance with the fair credit reporting everything has to be a 100 % accurate on my credit report The credit bureau 's stated my account was properly investigation but how is that possible if the open date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

In accordance with the fair credit reporting at XXXX Accounts & numbers : XXXX XXXX XXXX # XXXX, XXXX Credit Bureau # XXXX, The XXXX Companies # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A states I have 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-24 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: MI

Complaint narrative:
XX/XX/XXXX Experian XXXX was added to my XXXX XXXX acct. ( 3 ) inquiries as to Why I HAVEN'T REC 'D A XXXX YET? XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX NO REPLY FROM EXPERIAN! YESTERDAY I called both XXXX XXXX ( XXXX ) & EXPERIAN ( XXXX ). XXXX said - pending...? dashboard ...? today ... Her accent got worse when I asked WHY MY ACCOUNT HASN'T BOOSTED? Accounts added are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo in XXXX to XXXX Nearly XXXX missing through out the years

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 2023-01-24 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I REPORTED TO HONDA FINANCIAL THAT MY CAR PAYMENT HISTORY WAS NOT REPORTING TO MY CREDIT FILE. I'VE JUST RECENTLY PAID THE CAR OFF BUT IT'S STILL NOT SHOWING AND I NEED THIS ACCOUNT TO SHOW PAID AS AGREED AND NEVER LATE BECAUSE I WANT TO PURCHASE A HOME SOON AND I UNDERSTAND THAT THIS WILL HELP ME ALOT HAVING A PAID CAR LOAN REPORTING TO MY FILE. I'M ATTACHING A COPY OF THE LETTER HONDA JUST SENT ME SHOWING PROOF.

Company response to consumer: Closed with explanation