vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THESE ACCOUNTS HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND NAME. I HAD NO KNOWLEDGE THAT THESE ACCOUNTS WERE ON MY CREDIT FILE UNTIL I RECENTLY PULLED MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE.

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 2019-10-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I disputed an old account which should have been deleted by Wells Fargo that was investigated by Wells Fargo and they deleted the account from the XXXX and XXXX credit reports but they did NOT delete the account from the XXXX credit report. I disputed  the old account again with Wells Fargo thru XXXX  but it was verified and not deleted.

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 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union ( NFCU ) has had my accounts frozen for three weeks now. I have a balance of {$2400.00} in my checking account and a credit balance of {$1500.00} on my credit card that NFCU will not let me access. In addition, I requested to speak with a supervisor in the NFCUs security department twice ; however, I was told that a supervisor would call me back. It has been over one week since I first requested to speak with a supervisor. I desperately need access to the money in my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: AK

Complaint narrative:
XXXX XXXX. Goldman Sachs Bank will not accept and is unable to process applications with a Real ID Star. I have made dozens off attempts and have received zero acceptance. Apple does not have a work around no paper nor do they have the ability for human intervention to process the application. WWW.DHS.GOV the  department of homeland security requires everyone who travels by air by XX/XX/2020 will be required to have one of these ID cards. I am an airline pilot so I have upgraded to the new ID. Yet XXXX and Goldman Sachs are discriminatory to those who are in compliance. This is also a strike against American Ideals through liberal politics. The foundation of a real ID is that it is secure and your citizenship is verified. This company is creating consumer demand through a product it credit card then limiting it to only those who have delayed compliance with a Department of Homeland Security Mandate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
We were supposed to close on the property on XX/XX/XXXX. Due to USAA erroneously closing out the paperwork regarding this sale in their system, closing on the property was delayed. We had to wait 2 weeks for USAA to assign a new person to our account, wait for that person to read and agree to the documentation to proceed to closing. We made every single payment on the mortgage on time and in the amount due since XXXX. The closing finally took place on XX/XX/XXXX. Due to the different departments at USAA not communicating, the sale wasn't known by the loan department who subsequently reported my now ex-husband and I as being late on one ( 1 ) payment in the entire 14 years we had the loan. I spoke with USAA on numerous occasions for them to fix their error. Finally, I received a letter in the mail dated XX/XX/XXXX stating that they corrected the dispute on our ( ex-husband and my ) account and notified the credit reporting agencies of their error so my credit report would be fixed. It is now 5 months later, I have reviewed XXXX, XXXX, and XXXX and they all still show I was late on one ( 1 ) payment that I wasn't. 

When my ex-husband called USAA to have this same issue fixed on his credit reports and to receive a letter like the one they sent me, he was told they could not send him one in his name since they already generated a letter for me, however, the letter I received does NOT reference XXXX 's name at all, nor did they go through the process to fix the error they caused on his credit report. This is so unacceptable. 

This is severely affecting my credit score and hindering my ability to buy a house for my son and me. I am recently divorced and need to provide a home for him. I am a XXXX XXXX XXXX veteran and want to use my VA certificate for the loan. Based on their rules, I will need to wait until the late payment falls off my credit report to use it. I close on my current house at the end of this month and am in the process of buying a new house and am now experiencing difficulty obtaining a mortgage. Please look into and assist in rectifying this matter. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THESE ACCOUNTS HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND NAME. I HAD NO KNOWLEDGE THAT THESE ACCOUNTS WERE ON MY CREDIT FILE UNTIL I RECENTLY PULLED MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I have tried today, XX/XX/19 to get my credit score from XXXX XXXX and Equifax. They want me to pay to see my credit scores and I will not. They still report that I owe an amount that is {$14000.00} more than my current total. I pay my accounts off monthly and run NO balance ever and yet they have severely reduced my credit score by over 100 points. No explanation. In spite of the fact that my balance is substantially less that last month, it appears that my scores are still 100 point lower than the average I run of XXXX : an average that I have had for years. I want to see my current credit scores from both companies for free and I want them to update my credit report accurately! I'm tired of being held hostage by inaccurate reporting info and the arbitrary dictates of these 2 greedy companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
M & M has been attempting to collect a debt that was my vehicle insurance responsibility in the first place as this was part of a hit and run accident where the other vehicle was never found. A police report was made due to the issue, but it was never followed upon. As Michigan is a no-fault insurance state, this bill should have never fallen on my shoulders and M & M is a very deceptive and aggressive agency on their collections tactics. 

Even when I did not accept responsibility for the debt, I made an attempt to make a settlement which they refused. After that their agents started asking for personal information such as my employer, my payment day, my banking institution, and other job-related questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one and XXXX credit card Both of them I'm trying to dispute becues my dad have the same name and his stuff gets on my credit XXXX is also his and address and numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Bank/ XXXX sent me a bill. I have no XXXX jewelry nor have I shopped there since 2002. This account is fraudulent. It is listed on my XXXX credit report. Comenity Bank states that they conducted an investigation and found that I owe money on an account that I have zero knowledge of or access to. I want this taken off my credit report and I want Comenity bank to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I disputed an account with Ally Financial previously which was investigated by Ally Financial. Ally Financial DELETED the account on the XXXX  credit report and the XXXX credit report but DID NOT DELETE the account from the XXXX  credit report. I again disputed the account with Ally Financial to delete the account from my XXXX   credit report but they just verified the account even though Ally Financial deleted the account from the other two 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 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a judgement lien against my house which was in my name and my ex husbands name. after our divorce American Express obtained a default judgement against my ex husband and put a lien on our home. When I had my exhusband sign over the deed of the property ( court ordered ) I was unaware of the lien on the property. Ex husband has passed away ( 2017 ) and I am in escrow right now to sell the house. American express has said to me on many occasions that they aren't authorized to disclose any information about the account without proof of being an executor of his account. My escrow company handling the sale of the house has also tried various times to obtain a demand/release from American Express and have been denied with zero cooperation from American Express. I am trying to get the debt taken care of in order to be able to complete the sale of my house and it isn't possible without the demand/release letter from American Express and is very unreasonable of them to think that everyone has an assigned executor at time of death. Ex-husband died in XXXX and didn't have anything in place for anyone to handle his affairs. I do not have the time at the moment to obtain executor-ship and I don not want to as I am not responsible for his debts, but am willing to take care of this lien as it interferes with the sale of my home, it is just incomprehensible to me as to why American Express is refusing to get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Go Capital Holdings, LLC
State: MO

Complaint narrative:
Go Financial authorized a fraudulent loan in my name from a XXXX XXXX which at the time was my ex husband. Apparently my id was used and once notified via emails of this car loan I contacted the company and they did nothing to assist, but send me paperwork of signatures, but I never signed for a car or anything for Mr. XXXX. The company sent me paperwork of payments Mr. XXXX made, my email address was used which is how I found out about the account. My ex is in prison now so I could not get any more information. I reported my information stolen after failed attempts with this company and I sent them all I had, but Go Financial still would not remove my name from the loan and him and an unidentifiable woman opened. I kept disputing over time and XXXX  along with XXXX finally removed after further investigation, however XXXX still has not and now they have revoked my time to submit disputes for the issue. I am needing this removed from XXXX  credit bureau as it has been investigated and found NOT my debt and fraudulent by the other 2 bureaus.

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 2019-10-08 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: MO

Complaint narrative:
The following accounts are not mines and belongs to another inwhom made me a victim of identity theft/ fraud. I'm demanding either I be provided with physical documentation such as my signature, id, etc as it relates to these accounts, or please remove and block these fraudulent accounts immediately. The accounts being disputed are. 

1, XXXX {$1300.00} 2. XXXX {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im unable to access my report and score from equifax website. Their new procedure requires users to create an account which i have but cant access. Also according to XXXX  site all my equifax data is out of date. The accounts listed on equifax are not up to date and additional credit cards are not listed. my student loan consolidation is not listed either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I was given Exhibit A on XX/XX/XXXX, after my repeated request asking Mr. XXXX XXXX for a receipt where he paid {$230000.00} cash for our property. and Shellpoint Mortgage Servicing XXXX XXXX, provided him with an obsolete HUD-1 Settlement Statement, Exhibit A. As you compare my 1999 HUD-1, Exhibit, you can see the lines at the bottom of the page and upper and lower small print statement vary, you can see where it is a crime to engage in Mortgage fraud. Therefore, I submit my complaint for violations of the 18 U.S. C. 1018 1010. It is a crime to use a HUD-1 form as proof of a sell/purchase normally reserved for loans and refinancing. However, the HUD-1 form used is obsolete  as of XXXX, and it is not signed by the purchaser nor is there a wire transfer number for funds received or a check number for this so-called transaction that Ms. XXXX XXXX of Shellpoint Mortgage Servicing provided as proof of payment which is a fraud. XXXX XXXX did not pay one cent for our property and Shellpoint is using this obsolete HUD-1 form in a civil matter to deceive in which CFPB is supposed to protect the consumer from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: WA

Complaint narrative:
On XX/XX/2019 I sent a letter to XXXX   asking them to verify the process they use to verify that two accounts included in my credit report. I asked them using the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ), that allows consumers to ask for the description used to verify the information is being reported correctly, I told them that a computer response from XXXX was not acceptable, they responded on XX/XX/2019 with an XXXX response, I asked them to remove the incorrect information and they did not. On XX/XX/2019 I wrote the same letter to Transunion, see attached letter and they responded the same as above with one letter for the Chapter XXXX, they removed the Chapter XXXX BK, On XX/XX/2019I wrote the same letters as above to XXXX and they never responded, see attached letters written to 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 2019-10-07 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: WA

Complaint narrative:
On XX/XX/2019 I sent a letter to XXXX  asking them to verify the process they use to verify that two accounts included in my credit report. I asked them using the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ), that allows consumers to ask for the description used to verify the information is being reported correctly, I told them that a computer response from XXXX  was not acceptable, they responded on XX/XX/2019 with an XXXX response, I asked them to remove the incorrect information and they did not. On XX/XX/2019 I wrote the same letter to XX/XX/XXXX, see attached letter and they responded the same as above with one letter for the Chapter XXXX, they removed the Chapter XXXX BK, On XX/XX/2019 I wrote the same letters as above to Equifax and they never responded, see attached letters written to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: MoneyLion Inc.
State: GA

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX Both of them I'm trying to dispute becues my dad have the same name and his stuff gets on my credit Moneyloin is also his and address and numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I received a notice on my credit report regarding this debt in 2017 and I called to correct to no availability. I disputed and advised on removal of even settled. They have not sent information to validate and I was able to dispute and get removed from XXXX  and XXXX, but Equifax has not removed. This debt was not proven valid and Im trying to remove again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Audit & Adjustment Co. Inc.
State: CA

Complaint narrative:
I called the collection company, Audit & Adjusment Co , Inc and tried to arrange a payment plan, or deletion if paid in full. They flat out refused and wanted all mine and my spouses information before they would consider a reduction. They also insisted I owed several hundreds of dollars additional in interest, which I do not owe since this is medical collections, and I never signed interest documents with the original " creditor ''. They also included an additional item not reported by any credit bureaus, second line item on attached letter. I will pay what I owe not a penny more. They are extremely rude, I called in after years of financial struggles, not one call or letter from them and wanted to make things right. I made the call to them. The representative was unhelpful. I don't expect them to be overly nice, but plain ugly and rude is just unnecessary. 


Please help me, they won't respond to any postal letter mail nor emails and I refuse to speak to them since they are so rude and I afraid to get the same representative, as posted by XXXX and XXXX. Thank you

Company response to consumer: Closed with explanation