vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: UPGRADE, INC.
State: IN

Complaint narrative:
My upgrade card has a personal line of credit. For XXXX it showed it was Past Due, although I made 3 payments in XXXX and 4 payments in XXXX before it would show it was current. Now, all re-occurring charges to the card are declined and I can not withdraw cash from the account. I can not get anyone over there to correct this issue. They called me several times when the account showed past due but every person acknowledged there was a problem and there was a ticket in to get this fixed, once they looked at the notes. I was not past due. 

I called several times within the past two to 3 weeks and was told there was a mistake and it was going to a supervisor and nothing has been done. I can't get a call back. I had to pay so much more extra for the month just to make it current, so it would not go to collections. I can not wait for them to correct the problem because it seems as if they don't care. 

Address of Company XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, CA XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc.
State: UT

Complaint narrative:
Credit Managements is reporting a debt on my credit file that i do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid the debt off. I never received any phone calls, letters, or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 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: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2020-10-05 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: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2020-10-05 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: TX

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-10-05 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: AES/PHEAA
State: PA

Complaint narrative:
In XXXX of 2019, I was performing my annual credit check. On my report, I found several errors, with a majority of them coming from a student loan servicer AES. AES apparently at some point, awarded the debt to XXXX XXXX XXXX, while never including me as part of the transition. In XXXX of 2019, I requested that XXXX XXXX XXXX forward me any documentation or contract with my signature on it, affirming my relationship with that bank. I received a letter back from XXXX XXXX, informing me that they had no record of the account numbers that were associated with their name on my credit report. Without documentation by XXXX XXXX  that I had a relationship with them, it is the opinion of not only myself, but of my legal team that any negative tradeline involving XXXX should be PERMANENTLY deleted from my credit report. 

Again, I am simply asking that AES or XXXX XXXX provide any proof that I had a relationship with XXXX XXXX. Without proof of this, XXXX XXXX XXXX continued presence on my credit report is a violation of the Fair Credit Reporting Act. Without prompt action, I will be seeking legal remedy by the courts in the coming months. 

P.S. I have linked both the dispute letter, and the letter from XXXX XXXX below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 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: IL

Complaint narrative:
Experian keeps adding back fraudulent accounts that where removed after disputed and investigated. I request permanently removal of XXXX and 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 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: IA

Complaint narrative:
I already asked this company to show cause or to remove themselves from my credit report. The agent on phone threatened my fiancee into almost paying a debt that I am not sure we owe. They will not answer questions or show proof that I owe debt.the agent told my fiancee that she would never be able to rent or get a vehicle while this is on the credit report.shady

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj SSN:XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj SSN:XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, 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 2020-10-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX XXXX through the state of California XXXX. 

So basically my account was closed around the day of XX/XX/20 without warning. I called BofA and they said that the XXXX ordered it and the XXXX said that they didn't do any such thing and told me to work it out with Bank of America. BofA wouldn't even let me talk to a supervisor yesterday when I made another frustrated call after seeing the " closed account '' go from having {$1200.00} to - {$81.00}.

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 2020-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I received, in the mail, my new vehicle account information and the bank holding the loan, Wells Fargo. I completed the information needed for " XXXX '' banking to allow me to utilize the internet to pay my car loan. With the information requested, I was assigned an online account. But in the account, I was also access to an account that was not mine. I had access to this person 's checking account information to include bill paying access, amount access, etc. The person 's account information was related to me, however, this person 's account had to direct correlation to my vehicle loan and/or personal information from my relations. Somehow, Wells Fargo managed to merge the person 's checking account into my vehicle loan account without my permission nor the checking account holder 's permission. I called Wells Fargo and they directed me to their division that handles the online account services. " XXXX '' who was the representative that assisted me asked me several specific questions to include personal information. My question for him was, " How did my information cross over to the checking account that does not belong to me? '' I criticized him on the security of their banking facility and he said that his banking facility is very secure. I explained to him that it was NOT secure enough to differentiate between a non-checking account holder in the other person 's account to my account. With this mishap, I question the bank 's legitimacy and their policies and/or procedures in allowing this to happen. I would like an investigation be conducted as to possible fraudulent practices that Wells Fargo may have going on, if this action falls within the scope of fraud and/or failure to secure personal information of the account holders of Wells Fargo.

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 2020-10-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Deceased old owner of wellsfargo and company, and XXXX XXXX XXXX  .owner of both businesses, old owner of these two huge businesses is XXXX XXXX . XXXX XXXX XXXX, aka XXXX XXXX  and XXXX XXXX XXXX, has made me beneficiary or spendthrift too his ownership of these businesses and his businesses account. His personal manager and public management, or trustee or trust attorney or trust deed agent of the business administration ether is not going too give me a copy of his last will testament, or operational agreement too the  businesses, they are make me lose my property buy not give me financial report too what i own. They are abandoning my property, by abuse it and not pay taxes .they are refuse too give me all legal papers i need too proceed as the new owner of XXXX XXXX XXXX . I need fo wellsfargo too give me deceased owner of said businesses name in this text, all the contact information such as trust attorney and and agent, and trustee, all they information, and a copy of testimony will or a deed of trust blind trust. I need a copy of all of this so i can no what i can do and not. And also XXXX  too what yall all doing with my money. .trust address on file..XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXX  ga XXXX, XXXX XXXX XXXX XXXX  ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX . I dont no what on this address XXXX XXXX XXXX XXXX XXXX  ga XXXX .so yall a have too ckeck all this stuff and give me a understand on it in write. The trust spill out release dates of the age XXXX and XXXX and XXXX., 2 of the ages are gone. And havent seen nothing yet. U see why i need a copy of the paper now.. yall make me lose my property and put me in debt. I mite need too file bankruptcy, XXXX XXXX XXXX XXXX  ga XXXX. All the address and names in this text is own and co own by XXXX XXXX, deceased. Do the trustee or management has my contact information, if yall refuse too give me all of this information a police and will arrest all of yall and sue yall too .fo abuse me as beneficiary and the public, too. XXXX XXXX XXXX XXXX ga XXXX. Please talk too me by email fo a better response. Or call .this is the 3rd complaint.

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 2020-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Solidifi US, Inc.
State: FL

Complaint narrative:
This complaint is against Solidifi XXXX XXXX XXXX  XXXX  bsolutely terrible customer service. I am finalizing a cash out refi and my lender has been great, but Solidifi is terrible. The Truth in Lending Act mandates a 72 hour period in which I as the borrower am allowed to cancel the contract. So I understand that the funds cant be dispersed until the 4th day after closing, but this also factors in Saturdays. So I closed on XX/XX/XXXX. It is now XX/XX/XXXX, and the funds have not been dispersed. I have little confidence that they will disperse the funds within the lawful period of time and I am worried my previous lender will give me a derogatory mark on my credit report. I have tried calling several times today and have waited on hold for over 30 minutes each time totaling to over 2 hours of hold time. I am literally on hold right now as I am writing this review. As a consumer and someone who has owned multiple businesses, I am appalled with how little you care about customer service. You are in possession of MY money, and you're being paid for a service. If the funds are not dispersed TODAY which is the deadline in the closing documents that were signed, then I will be filing a complaint with the CFPB. This will most likely occur because it is now XXXX EST. I have been trying to reach them since XXXX EST. They don't even provide an email address to contact them, or offer a call back option. I have worked with smaller title companies in the past, and they usually have a reception desk capable of answering a call within 30 seconds. Had I known this is what would occur working with Solidifi, I would have told my lender to work with a different title company. The closing documents specifically state that the disbursment date is XX/XX/XXXX. documents available upon request.

Company response to consumer: Closed with monetary relief