vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-05 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: WELLS FARGO & COMPANY

Complaint narrative:
There are three derogatory statements on my credit report. I am not sure who or why these derogatory statements were made. the identified company is identified as WF EFS. This may have been a school loan through Wells Fargo. This is may be from a loan my daughter had taken out and I served as a co signer. To best of my understanding my daughter had set up regular payments through her bank. As she lives outside of the United States, her payments went through several banks and eventually through her US bank  ( XXXX XXXX XXXX ) Again to my understanding there was a change in way Wells Fargo processed payments and or collected, Neither me or my daughter were notified that the payments were not being processed until after three months had not been processed at which point they attacked my credit report. Which how I found out about the problem. There was no prior notice The money was in the accounts and available for payment. When I found out about the payments not going through we contacted the banks and made the necessary corrections. I attempted to contact Wells Fargo regarding a resolution, it was like talking to a wall, and got nowhere with the Wells Fargo From that point forward all payments have been made on time through an automated payment process. And the loans have been completely repaid. 
I see that what I believe are these derogatory comments still 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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax suddenly changed/updated two account on my report for no reason and it made my score drop instantly 60 points! I dont know what they are doing but this is outrageous. 

The accounts are from XXXX XXXX and XXXX XXXX, old credit cards, which have been closed and paid off since XXXX of XXXX and the other has been closed and paid off since XXXX of XXXX! I did nothing to prompt this action, this is outrageous. My score went from the XXXX to XXXX instantly. 

This error needs be to fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I am currently selling my home and the mortgage service, provider, stalled in providing me the correct information requested in the notice of error. I have requested via email to close my escrow account with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
Debt in the amount of approximately {$3400.00} was owed to a law firm called Gordon, Aylworth & Tami ( XXXX, Oregon ). This was for consumer debt. I called and negotiated a settlement of {$3100.00}. I paid the law firm {$3100.00}. I received a letter saying the debt was paid in full. Six months later, they are trying to file a Writ of Garnishment for the debt. They went to court and obtained a judgment against me, did not properly serve me and are now trying to take my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts email in a fraudulent account. Experian has failed to show me verifiable proof of my documents ( see documents below ).

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 2019-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Every year when my insurances on my home is due i pay it on time. never late. but every year i get a threat letter that Quick and Loan shows insurance expired. 

Threat to buy insurance an escrow my account. I can not give proof until i receive the documents back that i have insurance coverage. 

But every year same threat letter stated our records show insurance has expired. Its renew every year! 

Sick of the threat letters of legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC
State: MA

Complaint narrative:
I had completed my 3 year lease with Volvo Financial in approximately XX/XX/XXXX. I moved away from California in XXXX of XXXX and never knew that Volvo had charged me an extra month payment fee. I only knew when it appeared negatively on my credit report. 

I disputed many times because the car was in flawless condition upon return, new tires, regularly maintained and extremely clean. I asked and disputed the charge from my report thinking they made a mistake in the last payment for which was paid. 

XXXX  who is the only reporting agency that has this on my report as a negative refused to make any further disputes to resolve the issue. This agency is the worst managed out of the three agencies. 

I only want what is fair and since the account has been charged off I doubt Volvo will accept any payment to have it removed, but will attempt again. 

VIN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I applied for a credit card from HSBC and was told I has to go through a process through the HSBC Fraud Operations Team, this is what they sent me. 
Dear XXXX, Thank you for your application. As we have informed you through the process, federal regulations and internal bank policies require us to obtain specific customer identification information. We want to make sure we gather the proper information so that you can start your HSBC relationship. 

during that time I was ask why I file a protection with the credit bureau and was ask when I filed it and why, I explain my purse was stolen and I filed a police report, in the process I had to get a new driver licenses, the company ask me to send a copy of my license and they will contact me in 48 hours of doing so, I never heard from them with in 7 days so I contact them and I was told they could not see the picture so resend it and I did and when I called them back they said the issue date on my license did not seem right. I believe they sent me through all this because of my color or race and then they sent me this letter. 
Dear XXXX, Thank you for applying for an HSBC Cash Rewards Mastercard credit card. 
Unfortunately, we are unable to approve your application, because we are unable to verify your identity. 
Please note, a credit check was not performed. 
why sent me through this and no check was done. 
I ask to speak to a supervisor and they said no supervisor is around to talk with so I ask who was in charge and I still was sent on a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: Cascade Creditors Service, llc
State: WA

Complaint narrative:
I received information from XXXX XXXX via email on XX/XX/XXXX about an account that had been co-signed for. The information provided showed a co-signer agreement that I signed, however it was dated from XX/XX/XXXX to XX/XX/XXXX. I reviewed the documents provided and I responded on XX/XX/XXXX that the information showed that the co-signer agreement was invalid based on the dates showing. The other piece of information according to this agreement that I want to include was that the co-signer agreement was only for the terms of the lease which was for one year. The debt that they are attempting to charge me for was from a charge on XX/XX/XXXX. I never signed anything agreeing to co-sign anything beyond the initial lease term. I also want to point out that initial co-signer agreement was invalid. I made them aware of that and they never replied further. I was not aware this was on my credit report until XX/XX/XXXX and I have disputed the charges with the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Innovative Collections, LLC
State: CA

Complaint narrative:
Innovative Collection Services is attempting to collect a debt that I never came into contractual agreement and never agreed to pay. Basically the debt is not mine because I never agreed to it. I received a final notice on XX/XX/2019 requesting XXXX dollars for something called a city booking fee.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did a purchase through Capital one visa card which I have for more than 15 years, it was online order which turned out to be a fraud site that I purchased from, as I did the research and turned out that the merchant doing this systematically with many customers before, I called Capital one fraud dep. numerous time and I provided them with all documentation they asked me plus a copies of the emails i had with the merchant who did not start hear from him till I report the transaction as a fraud, before i emailed him many times but no respoce, it has been since XXXX but till this day filing this complaint with you Capital one did not cover the charge, mind you when signing up with them they do brag about customers are covered for a fraud transactions, twice I provided them with documents but they are trying to stick it to me and bail out from paying back the fraud charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-06 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: Experian Information Solutions Inc.

Complaint narrative:
There are three derogatory statements on my credit report. I am not sure who or why these derogatory statements were made. the identified company is identified as XXXX XXXX. This may have been a school loan through XXXX XXXX. This is may be from a loan my daughter had taken out and I served as a co signer. To best of my understanding my daughter had set up regular payments through her bank. As she lives outside of the United States, her payments went through several banks and eventually through her XXXX XXXX ( XXXX XXXX XXXX ) Again to my understanding there was a change in way XXXX XXXX processed payments and or collected, Neither me or my daughter were notified that the payments were not being processed until after three months had not been processed at which point they attacked my credit report. Which how I found out about the problem. There was no prior notice The money was in the accounts and available for payment. When I found out about the payments not going through we contacted the banks and made the necessary corrections. I attempted to contact XXXX XXXX regarding a resolution, it was like talking to a wall, and got nowhere with the XXXX XXXX From that point forward all payments have been made on time through an automated payment process. And the loans have been completely repaid. 
I see that what I believe are these derogatory comments still 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 2019-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no  judicial system releases information to second or third parties because its illegal and I can sue them.

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 2019-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: MA

Complaint narrative:
There is a debt in collections on my credit report since 2013 I have no idea what it is or what it's for but the amount goes up a dollar every 7 days that passes I have tried to dispute it but I've got nothing I really need this removed off my credit report it is really hurting ability to build my credit. The amount is XXXX since XX/XX/2013 I am really confused on what its for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I called XXXX XXXX  XXXX XXXX and I spoke to their representative and I told the representative that I had never applied for Water Service and that I had never lived at the service address.

The representative told me that it would be removed. I checked my credit report and low and behold XXXX XXXX XXXX XXXX had sold the bill to a debt collector. 

This is not my bill I never lived at the service address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06 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: NY

Complaint narrative:
I had contacted Equifax in regards of unauthorized inquiries. Equifax failed to show me verifiable proof of every unauthorized account that was listed ( see documents attached with this complaint ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I was sent a Brinks prepaid Mastercard from Netspend today ( XX/XX/19 ). I did not apply for this product nor did I authorize any issuing of this card. The card was unexpected and was ready to activate. I contacted the provided numbers on the activation sticker and the mailed information. I was not able to speak to anyone. I was just funneled back to the activation hotline. 

When I contacted Netspend I had the same issue. I was sent back to the activation hotline. If this product had fallen into the wrong hands this would have been a disaster. 

I did not activate the card due to the fact that I did not agree or request it to be mailed ot me. I also didn't think I should agree to terms of service once again because I did not request the card in the first place.

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 2019-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
{$1500.00} Original creditor : XXXX XXXX XXXX EOS CCA XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no judicial system releases  information to second or third parties because its illegal and I can sue them.

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 2019-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no judicial system releases information to second or third parties because its illegal and I can sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: CA

Complaint narrative:
I contacted TransUnion regarding the delinquent status of the XXXX XXXX XXXX XXXX account. I told TransUnion that the account was not mine. After 30 days TransUnion never personally contacted me but instead submitted this statement on my credit report. 



Balance {$140.00} Highest Balance {$140.00} Opened XX/XX/2016 ( 3 yrs, 1 mo )  Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX TransUnion is in violation of Section 603 of the FCRA. They could not have verified the account because I never signed nor did I agree to have service somewhere that I never lived.

Therefore, I want TransUnion to remove this debt immediately or I will see them in Federal Court.

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 2019-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
ALLIED COLLECTION SERVIC Last reported XX/XX/2019 {$890.00} Open balance XXXX XXXX XXXX creditor

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 2019-10-06 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have never paid this account late. 

ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN 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 2019-10-06 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: VA

Complaint narrative:
Noticed fraudulent inquires on my Experian, XXXX, and XXXX   reports. Have mailed in multiple dispute and still see the inaccurate/fraud inquires, XXXX XXXX 1. XXXX/XXXX 2.  XXXX 3, XXXX 4 XXXX XXXX XXXX 1.XXXX 2 . XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6,  XXXX 7. XXXX XXXX 8. XXXX XXXX 9, XXXX  XXXX 10. XXXX XXXX  11.  XXXX 12. XXXX XXXX  XXXX Experian XXXX 1.XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX 4.XXXX XXXX 5 , XXXX XXXX  XXXXXXXX XXXX  7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10.XXXX 11 . 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 non-monetary relief
Consumer complaint received 2019-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I set up an account for my wife with myEquifax to get a free credit report, I made the mistake of enter my own social security number instead of my wife 's. We have contacted them no less than 10 times to fix this. Everytime we log in it is still pulling my report even though they say it shows her social security number. If I hit the personal information tab it shows my social security number not hers. It is unacceptable that the government allows these companies this much power with our personal information without holding them accountable.

Company response to consumer: Closed with explanation