vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Service of Nevada
State: NV

Complaint narrative:
I was disputing this information on my credit report demanding these items be removed from my credit report.as I have done my research on the laws I feel these companies have violated my rights as consumer. And have not provided and proven information that the alleged debt is mine. Ive never done business with these companies or have I agreed to pay them anything Ive never done business with them. I want to state a few of the violationsu that have been committed by these companies XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CA

Complaint narrative:
I have attempted to contacted XXXX and Equifax on multiple occasion to investigate an account with XXXX XXXX which is reporting on my credit report as a charge off account after their initial investigation which was falsely verified as my account by the merchant, I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above auto finance company, and with the information, I was able to obtain It appears to be an account that was open fraudulently using an old lost or stolen ID and a previous address of which I have not resided over 3 years. It has been over a year and a half since my initial contact with these agencies and have not been able to accomplish anything thus far. This inaccurate information has severely damaged my credit rating and has caused me to lose out on job opportunities I am overwhelmed and do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CA

Complaint narrative:
I have attempted to contacted XXXX and XXXX  on multiple occasion to investigate an account with XXXX XXXX which is reporting on my credit report as a charge off account after their initial investigation which was falsely verified as my account by the merchant, I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above auto finance company, and with the information, I was able to obtain It appears to be an account that was open fraudulently using an old lost or stolen ID and a previous address of which I have not resided over 3 years. It has been over a year and a half since my initial contact with these agencies and have not been able to accomplish anything thus far. This inaccurate information has severely damaged my credit rating and has caused me to lose out on job opportunities I am overwhelmed and do not know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: OR

Complaint narrative:
I closed on a VA home loan with Veteran 's United on XX/XX/XXXX. 

I remitted payment in the amount of {$5000.00} over the telephone to Veteran 's United on XX/XX/XXXX. I received receipt of this payment on XX/XX/XXXX. 

On or around XX/XX/XXXX, Veterans United sold servicing of this loan to XXXX, XXXX. 

I was notified of this change from Veterans United in a letter dated/postmarked XX/XX/XXXX and in a separate letter from XXXX dated/postmarked XX/XX/XXXX. I received these letters on XX/XX/XXXX. 

In the letter sent from Veteran 's United, it indicates : " Veterans United Home Loans is currently collecting your payments. Veterans United Home loans will stop accepting payments received from you after XX/XX/XXXX. '' In a phone call with XXXX XXXX from Veterans United on XX/XX/XXXX and again on XX/XX/XXXX, Veterans United indicated to me that they notified XXXX of payment on XX/XX/XXXX and that the principal balance should be {$5000.00} less. Additionally, Veterans United indicated to me that XXXX would issue me tax form XXXX. 

XXXX has done neither of these things despite repeated and multiple requests to do so. In an email correspondence dated XX/XX/XXXX, XXXX indicated " no payments were received '' and refused to look into the matter. I have communicated with XXXX and XXXX from XXXX who have been unhelpful. Veterans United has indicated that they have sent this XXXX. Where it stands, both companies are saying for me to " talk to the other guy. '' I have done both of these things and I have nothing to do with the matter. It's the two companies not talking to each other in a transaction that I have nothing do with.

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 2021-01-21 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Dealer Services has sent my private account information to the credit bureaus without my consent violating my privacy rights as a consumer. It states in the 15USC 1681 ( a ) ( 4 ) and ( b ) that consumer reporting agencies should exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, ( b ) and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information. The credit bureaus should not be allowed to add my private account information to any report sent by a creditor who is also violating my privacy rights by sharing my private account information without my consent. Therefore, I demand that this account be removed immediately from 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 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
XX/XX/2021 contacted gla and requested information on what this collection is on my credit report. They didnt have my address couldnt inform me who it was with and will be mailing me a response. Refuse to remove the collection till it can be validated saying its my fault I should have known.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: PA

Complaint narrative:
I recently checked my credit report and noticed a fraudulent account on my credit report.I reached out to the creditor to request the account to be removed and they have not removed it.This are fraudulent account and needs to be removed immediately.

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 2021-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
I closed on a VA home loan with XXXX 's XXXX on XX/XX/XXXX. 

I remitted payment in the amount of {$5000.00} over the telephone to XXXX 's XXXX on XX/XX/XXXX. I received receipt of this payment on XX/XX/XXXX. 

On or around XX/XX/XXXX, XXXX XXXX sold servicing of this loan to XXXX, XXXX. 

I was notified of this change from XXXX XXXX in a letter dated/postmarked XX/XX/XXXX and in a separate letter from XXXX dated/postmarked XX/XX/XXXX. I received these letters on XX/XX/XXXX. 

In the letter sent from XXXX XXXX XXXX, it indicates : " XXXX XXXX XXXX XXXX is currently collecting your payments. XXXX XXXX XXXX XXXX will stop accepting payments received from you after XX/XX/XXXX. '' In a phone call with XXXX XXXX from XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX indicated to me that they notified XXXX of payment on XX/XX/XXXX and that the principal balance should be {$5000.00} less. Additionally, XXXX XXXX indicated to me that XXXX would issue me tax form XXXX. 

XXXX has done neither of these things despite repeated and multiple requests to do so. In an email correspondence dated XX/XX/XXXX, XXXX indicated " no payments were received '' and refused to look into the matter. I have communicated with XXXX and XXXX from XXXX who have been unhelpful. XXXX XXXX has indicated that they have sent this XXXX. Where it stands, both companies are saying for me to " talk to the other guy. '' I have done both of these things and I have nothing to do with the matter. It's the two companies not talking to each other in a transaction that I have nothing do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CA

Complaint narrative:
I have attempted to contacted XXXX  and XXXX  on multiple occasion to investigate an account with XXXX XXXX XXXX/XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old XXXX woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert Experian , XXXX  and XXXX  I am overwhelmed and do not know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: NV

Complaint narrative:
I was disputing this information on my credit report demanding these items be removed from my credit report.as I have done my research on the laws I feel these companies have violated my rights as consumer. And have not provided and proven information that the alleged debt is mine. Ive never done business with these companies or have I agreed to pay them anything Ive never done business with them. I want to state a few of the violationsu that have been committed by these companies 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX {$2600.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX XXXX XXXX XXXX Balance : {$1300.00} - The actual account position which is recently reporting on my credit document is having a drastically negative affect on my personal chance to get hold of affirmation for just a new loan application, you should produce proof that this has been reported perfectly in accordance with the Fair Credit Reporting Act recommendations, it is a crucial thing to mis-report. On top of that I'm not thoroughly aware about the particular date opened therefore I prefer to request your verification with the formerly discussed item also. If you fail to prove this information as being 100 % precise please make sure you delete it completely! Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for Mortgage loan with my bank, XXXX XXXX ( Home mortgage consultant ) NMLSR ID # XXXX reached out to me by phone and told me verbally what are the rates and the lender fee and she was nice, I submitted an application online and submitted every document she asked me for!! I got my pre-approval letter and I started looking for houses and when I found the house I want to buy, I signed my contract and 2 days later I asked her for my loan estimate, she started going around every question I asked about that and told me over the phone that I cant provide your loan estimate till I pay the fees up front!! I searched it and spoke to multi lender to find out that by law She provide me my loan estimate after 3 days of submitting my application. I sent her email asking for that again or I will reach out to CFPB and she called me talking rude and she said that she is not willing to do that till I make a real deal!! Shes trying to let me pay the fees up front and I have no idea what it will costs me to close on that house!!! She wants me get stuck with her offer!!! Please help

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 2021-01-21 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:
This is my third attempt and I have attempted to remove inaccurate accounts XXXX and XXXX and it continues to report in my profile. The bureau has failed to provide and proof of executed contract with my signature on it and has not provide any information in 30 days of my initial request. I demand the following account to be removed from my profile.

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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my third attempt and I have attempted to remove inaccurate accounts XXXX and XXXX and it continues to report in my profile. The bureau has failed to provide and proof of executed contract with my signature on it and has not provide any information in 30 days of my initial request. I demand the following account to be removed from my profile.

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 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance {$2600.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX XXXX XXXX XXXX Balance : {$1300.00} - The actual account position which is recently reporting on my credit document is having a drastically negative affect on my personal chance to get hold of affirmation for just a new loan application, you should produce proof that this has been reported perfectly in accordance with the Fair Credit Reporting Act recommendations, it is a crucial thing to mis-report. On top of that I'm not thoroughly aware about the particular date opened therefore I prefer to request your verification with the formerly discussed item also. If you fail to prove this information as being 100 % precise please make sure you delete it completely! Thank you very much!

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 2021-01-21 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: CA

Complaint narrative:
I have attempted to contacted Transunion and XXXX on multiple occasion to investigate an account with XXXX XXXX XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old retired woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert XXXX , Transunion and XXXX I am overwhelmed and do not know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CA

Complaint narrative:
I have attempted to contacted XXXX and Equifax on multiple occasion to investigate an account with XXXX XXXX XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old retired woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert XXXX , XXXX and Equifax I am overwhelmed and do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Nationwide Credit & Collection, Inc.
State: CA

Complaint narrative:
I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet. I never had this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company response to consumer: Closed with explanation