vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

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 2021-10-08 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: TX

Complaint narrative:
I have been disputing a few accounts on my credit reports for some time now with XXXX, XXXX and Equifax. They have been reporting inaccurate information on my credit reports and refuse to correct the problem. XXXX is reporting that I was late on my account with XXXX XXXX account but I was never late, I disputed this inaccurate information with all three credit bureaus and XXXX and Equifax has corrected the problem but XXXX continues to report this inaccurate information. I the other two credit bureaus have corrected this issue why is XXXX still allowed to report this inaccurate information? How are they getting their information to verify this information when the other two credit bureaus could not? XXXX and XXXX are reporting inaccurate accounts on my reports that I have three charge off accounts with US DEPT ED and that I have had late payments on an account with XXXX. I disputed this information with all three credit bureaus and Equifax removed and corrected this issue but XXXX and XXXX has not. Again, how are they able to report inaccurate information? If Equifax found evidence that these account s were in fact inaccurately reporting where are the other two credit bureaus getting their information from?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing this account for some time now with the credit bureaus. They were reporting that I have a charge-off and late payments on a XXXX XXXX account . I find it crazy that XXXX and XXXX has corrected this inaccurate account on my credit reports but Experian continues to report on this account and I can't understand why. How are they getting their information? If the other two credit bureaus both have removed this inaccurate account from my reports how is Experian still reporting on this account? I have reached out to them to make them aware of that situation that the other two credit bureaus have corrected this account that they are still reporting but they fail to acknowledge me and continue to ignore this problem. I am more than sure that what they are doing is illegal and I am sure there is a law that proves the credit bureaus can not report inaccurate information on someone's credit reports.

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 2021-10-08 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
This account is being reported with repetitive XXXX  marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: DC

Complaint narrative:
Ive sent numerous letters to the credit bureaus and to XXXX asking them to verify the late payments on my credit report. I never received proof of my late payments. Also I learned that reporting late payments that arent verified are against the law. In addition according to 15 USC 1681 ( a ) ( 4 ), I have a right to privacy and I havent been able to exercise that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TX

Complaint narrative:
I have been disputing these accounts with the credit bureaus for some time now. They are Reporting that I have charge off accounts with XXXX and XXXX. I am not familiar with these accounts, I did not authorize these accounts to be open and they do not belong to me. I have contacted the credit bureaus about this issue and they told me to contact the direct creditor which I did and they were not able to verify these accounts belong to me so how is it that XXXX and Equifax are able to verify these accounts? How are they getting their investigation results? I would like to know because I have received nothing in the mail from either of them explaining how they are able to verify inaccurate information on my credit reports. I am sure there is a law that proves it is illegal to report inaccurate information and this matter should be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have been disputing this account for some time now with Genesis Credit. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
I have been disputing this account for some time now with Hillcrest and Davidson. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I got behind in my mortgage payment in 2020. It was covid related. I have ask for help from my mortgage company and they have denied me. They want me to liquidate my home. I am a XXXX vet retired from us XXXX. They refuse to help me with any options other then liquidation. I want to keep my house and I have funds to pay but my mortgage company is refusing help to me. I will be homeless. I have a wife and XXXX year daughter. I do not want to liquidate my home. I have no where to go. I can pay my payments. I cant bring current. I need help bringing current.

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 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I rented a car in XXXX through XXXX. When I arrived it was not the car I rented. The man at the counter took my card literally from my hand and charged me anyway. I complained obviously, and he laughed and said he would charge me even more when I returned it. This location has over 400 reviews and their rating is 1.2 stars. They are known scammers, read the reviews of XXXX at XXXX XXXX. 

The charge fell off after 7 days. I returned the car, but not before blocking my XXXX card and telling XXXX through messages and calls to allow no charges. I returned the car and XXXX attempted a charge but it was denied ( rightfully so, I blocked all charges ). 

I called XXXX and made them aware and did that with 2 supervisors. I cancelled the card and issued a new one. At no point did I release the block on my account. I have no reason to - the new card is in the US and I was in XXXX. 

XXXX then allowed a charge from the merchant to go through, this time three times the amount. My account was blocked and frozen and no charges should have gone through. I confirmed on XX/XX/XXXX when I called and two different supervisors said there was " no way they could charge you with a new number and a frozen account. '' Lo and behold, a {$1200.00} charge shows up. 

The XXXX  Fraud Supervisor XXXX ( see screenshots attached ) who I talked to on XX/XX/XXXX refused to give me the timestamp of the large charge XXXX allowed to go through on a frozen account after I told them a merchant would attempt fraud. They will not mark it as fraud and only said they would dispute it. 

However the issue is with XXXX allowing the charge in the first place. I am not disputing it because it is fraud, of which XXXX is explicitly complicit. 

This is simply a record of my attempt to have XXXX  graciously fix their issue in allowing the charge before I file with the courts which I promise to do, as I have been stolen from, XXXX knew it, and allowed and and facilitated 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 monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been disputing this account for some time now with Midland Funding. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TN

Complaint narrative:
Upon checking my credit report I found that there are fraudulent inquiries on my report I reach out equifax to fix the problem but they did not investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LendUp Loans LLC
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been disputing this account for some time now with Portfolio Recovery. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Again, and as it happens in the beginning of this year, and as reported in XXXX yet, my XXXX XXXX payments and my good standing with zero past due since XXXX have disappeared in the latest XXXX credit report and on balance statement. It is to be well noted that this was fixed for a while after escalating it to CFPB in XXXX, but now the problem comes again. Attached are the XXXX report showing the right data and the XXXX report with a blank section for my XXXX XXXX. Attached are also the card statements of XXXX and XXXX. In the XXXX Credit card XXXX statement there was not any XXXX yet printed because the problem was just resolved. Later on in the XXXX statement, it ended-up to appear but just for a short time as transmission and/or processing is interrupted again. 

On XX/XX/XXXX I filed a complaint as Experian had stopped computing and publishing my XXXX score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my XXXX  scores for more than 7 months. After investigating with XXXX XXXX XXXX XXXX where I do have a XXXX  XXXX account since XX/XX/XXXX with zero past due since 6 years, we have got a letter dated XX/XX/XXXX from XXXX XXXX XXXX  certifying that they do properly report to Experian all my financial payments. In addition, I can see some of my financial data appearing within my online Experian account where the year XXXX and XXXX are fully missing. This is the proof that Experian knows about my account at XXXX XXXX but do not investigate on the failure root cause and do not show enough willingness resolve the issue once and for 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 non-monetary relief
Consumer complaint received 2021-10-08 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: NC

Complaint narrative:
I have called Equifax for three months about a fraudulent collections account. The last time I called to report fraud account was XX/XX/XXXX. I faxed over police report, FTC ID theft report, ID and tax information to show identity. I was told I would get a response to remove the collection in 30 days and I have not. Ive called back XX/XX/XXXX, XX/XX/XXXX, XXXX and Equifax claimed they never received any paperwork so I faxed it again. I would like this fraudulent account taken off and Equifax will not remove or follow through on the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
On XXXX, I tried to log into my account with Avant. I had previous loan with them which I paid off. I was just trying to see if I could possibly take out another small loan. However, after I entered my User name and Password and taken to the next screen to enter my personal information. It didn't recognized my info. I reentered it several times where I was locked out, told to call them. So, I decided NOT to apply or inquire about any product from Avant. Then around at XXXX XXXX  I received a email saying that I was denied a loan based on my credit score. I NEVER APPLIED FOR ANY LOAN WITH THIS COMPANY. SO NOW THEY ARE STATING I WILL have a INQUIRY on my credit report. This is not accurate information. Since, I never inquired anything since I WAS LOCKED OUT OF MY ACCOUNT. What I find upsetting is that is putting false information and VERY Deceptive practice. I really do not need anything on my CREDIT REPORT From this Company. I have been working hard to build up my credit score and now this AVANT is putting a false inquiry on my credit report. Please ask them to withdrawal it. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I have been disputing this account for some time now with World Finance. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
Our problems are two fold. First, we received an offer to refinance from our current mortgage company, Lakeview Loan Servicing. Upon qualifying, the the closing statement erred in that included closing costs financed into the loan amount that the offer stated would be waived. After protesting two times we were finally advised by the representative for Lakeview and XXXX XXXX XXXX, their servicing agent that they would not alter the closing statement. 

Second, as the process was taking a long time we provided the appraisal requested by Lakeview to their Escrow Department on three occasions to remove the PMI on the current loan. Three times they sent the same form letter ( the last one dated XXXX2021 ) stating the loan to value was not 80 % when the appraisal and loan payoff reflect a loan to value ratio of 77 %. 

We include the offer letter on a mortgage refinance, our appraisal requested by and provided by the appraiser of Lakeview 's choosing and al letter of our last attempt of three appeals made for them to reconsider their position.

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