vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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:
I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. 
My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX My only address is XXXX XXXX XXXX XXXX, TX XXXX. 
Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX I have unverified accounts from the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am being denied renting an apartment because of judgement against me. We lost our house and had to move. I needed more time. I didn't realize I could have gotten one more week ( which was the time I got out ) The lawyer of people who bought house gave me until XX/XX/XXXX. My husband died that day. A friend said he called Mr XXXX and explained this and that I was still trying to sell stuff at yard sale. The sheriff had told me I had one more week and that's what I was aiming for, and when I was out.The way I understood what friend was told, was he was sorry to hear this and make sure property was clean. 
I still ended up with a judgement of {$1800.00} plus against me. I had to move to live with my mom and brother in So  XXXX XXXX, CA. I haven't been able to pay this judgement. I have read that even after a judgement is paid, eviction still doesn't come off. I never saw this against me when I looked at credit report. And read that the report that was on there ( and denying me being added on to live with mom and brother ) was that of the mortgage company and getting the house, was going off the record XX/XX/XXXX. This month was the first time I tried to rent only to learn that this judgement is preventing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I was contacted by a company saying they are XXXX and that my computer was compromised. I allowed them to access my computer which is a XXXX  XXXX. Sitting there, I was watching them copy files from my computer and realized I was being hacked. I immediately stopped the incident. I then contacted XXXX and they confirmed it was not them who contacted me. 

In XX/XX/XXXX is when the first charge to my Chase XXXX XXXX # XXXX was made against my card. Charges of {$390.00} and many similar charges wree made to my card of which I was not aware for many months that this was happening since I had paperpless statements and was not receiving any paper mailings.The fraudulent charges continued until XX/XX/XXXX. 

I contacted Chase to let them know what was going on and disputed the charges. They did their investigation, cleared the charges and then months later reinstated the charges back on. I'm now responsible to pay these erroneous charges. Most of the charges were to an XXXX dating service. 

My credit has been horribly impacted by this and I have not been able to refinance my home due to Chase not believing these charges are not mine. 

I filed a Police Report ( Report # XXXX XXXX dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a refrigerator in XX/XX/XXXX from Conn 's Home Plus. In XXXX of XXXX, I began having problems with the refrigerator ; the freezer was not freezing and it was making a loud humming noise. I purchased a warranty for this refrigerator. The Conn 's technicians were at my home three times and was not able to repair the refrigerator. Conn 's stated they will give me a full credit for the refrigerator, {$1100.00} and agreed to purchase another refrigerator. I purchased a new refrigerator on XX/XX/XXXX, to replace the defected refrigerator. Again I purchased a warranty. The defected refrigerator was picked up by Conn 's on the same date of the new purchase ; new refrigerator purchased was delivered on XX/XX/XXXX and the defected refrigerator was picked up on same date. 

I have made numerous attempts by calling and sending emails to both Conn 's and Synchrony ( the purchase is being financed by Synchrony Home account ending in XXXX ). Both refrigerators are still reflected on my Synchrony account ; I have only ONE refrigerator ; the purchase of the second one is {$3500.00}. My credit score has dropped and now Synchrony is stating I'm past due with them by an amount of {$160.00}. I have made my monthly minimal payments due to Synchrony timely each month, with a " zero interest '' for two years. Synchrony representative informed me my payments increased from {$70.00} to {$130.00} ; I have paid {$70.00} monthly since I purchased the refrigerators. I was not informed my payments would change. I am still waiting on the credit for {$1100.00} for a refrigerator which was picked up. Neither party has resolved my issues. 

I will attach copy of my invoice for the replacement of the refrigerator which was on XX/XX/XXXX. The amount of credit is on the Conn 's invoice, plus notation of the exchange. I am also provided you with my last statement I received in XXXX, reflecting the {$70.00} minimal payment ; which show no changes for the purchase in XXXX, however, no credit of the exchange.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : On XXXX XXXX, I sent a certified letter to Equifax. The letter outlined how these 3 accounts were reporting wrong. I also sent my full credit report to them. I even went as far as circling these errors for their review. 
The report shows Equifax, that XXXX, and XXXX  were reporting that account # 's XXXX XXXX XXXX, as being Discharged in Bankruptcy. 
Equifax, as of XX/XX/2020, is reporting the selected accounts as being Charged Off. 

When these accounts were disputed with Equifax, the accounts were updated with erroneous status information. 
How can these accounts go from Included in Bankruptcy, to a Charge Off :? 
I would like to know Equifax 's method of verification. According to Equifax, these accounts were verified with the original source to be accurately reporting. If this statement is true, why did the status change from Included in Bankruptcy, to Charge off? 

After a Bankruptcy is discharged, the original creditor 's relationship is severed with the debter. No further reporting is required. Especially if it is reporting erroneous information out of spite towards the debter. 


In conducting any re investigation under paragraph ( 1 ) with respect to disputed information in thefileof anyconsumer, theconsumer reporting agencyshall review and consider all relevant information submitted by theconsumer. This did not happen. 

It is obvious that Equifax did not examine the enclosed supporting documentation that I sent them. There was no investigation by them. The e-oscar system does not take into account that the consumer might need an actual person to examine supplied information, to the bureaus, that could rule in the favor of the consumer. E-oscar only repeats the same negative information that is unverified with the original creditor. 

It is beyond belief, that with the current laws that are written to protect the consumer, that credit reporting agencies can be allowed to report information, that they physically did not verify. And if Equifax would have done an actual investigation, they could have seen that the discrepancies were very obvious to anyone that cared enough to view them. Equifax has failed to protect the consumer, from companies that report old or outdated information. 

I have enclosed the same report, that I originally supplied to Equifax. 

I pray that I have been clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NM

Complaint narrative:
I signed as a cobuyer on a car loan XXXX. The dealership allowed the buyer to take possession of the car prior to receiving the documents required for the loan. The buyer avoided the dealerships calls for many weeks prior to the car salesman letting me know that they hadn't received the required proof of college documentation from the buyer. I let the buyer know, and he admitted to me that he had lied to get financing and would just continue to avoid their calls until they quit calling. I informed him that they wanted him to return to the dealership with the car immediately. A few days later I received a phone call from the buyer. He was at the dealership and they had surrounded the car and wouldn't let him leave. He put the car salesman on the phone and the car salesman told me that dince he wasn't a student he wasn't qualified for the special college loan and that I would have to make his down payment. I declined participating in the new loan and I declined to make the down payment. I let the car salesman know that I wouldn't have qualified for the new loan anyway because I was informed that the business I was contracted through was closing and I didn't have income for the new loan. It wasn't until years later that I discovered that the dealership pushed the loan through anyway. They allowed him to go in months later and pay the down payment. I have made many attempts to remedy this with Ford Credit and with the dealership. The dealership admits to pushing the loan through and changing the down payment and loan program but still insists that since they got away with it for so long there's nothing I can do to them. They buyer was committing fraud and I wanted no part of it. I informed the dealership as soon as I found out and they should have stopped it there. But instead they made money by making the deal go through. Now the buyer has defaulted on the loan and I am attached to it even though I declined to participate in it. Talking to the president of the dealership today I learned that he isn't interested in the truth. He even attempted to scare me by saying that I'm liable for the buyer 's fraud. He even thanked me as of it were a compliment when I told him that I was shocked by his unethical leadership and that I now understand his ethics caused what happened. I'm concerned for other consumers. It's alarming that the person in charge doesn't care about following the laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC.
State: PA

Complaint narrative:
On XX/XX/2020 I signed a Loan Estimate with NVR Mortgage Finance for a 15 year mortgage at 2.5 %. On XX/XX/2020 I was sent paperwork to lock in at 2.65 % with no discussion on the large interest rate change. I questioned the increase and was told that the original Loan Estimate was not correct and NVR Mortgage said it was their secondary that made the mistake. I requested that this be escalated as I didnt think I should pay for an error made by NVR Mortgage or their secondary. NVR Mortgage refused and said I would have to pay 0.625 % points ( {$1800.00} ) to get the rate to the percentage they erroneously quoted me. In the interim, NVR Settlement sent me notification that I could not change my mortgage provider. I had no choice but to either pay the higher percentage or pay the points for the lower percentage. NVR Homes had given me an incentive of {$18000.00} to use their mortgage arm. So if I walked away I would risk not meeting my closing date of XX/XX/XXXX and I would no longer get the {$18000.00} incentive. NVR Mortgage actually eluded that the {$18000.00} would defray the {$1800.00} mistake and I would still be left with {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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:
I am a victim of identity theft and did not make the charges.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Account Number XXXX I have an agreement with Midland Collection in the approximate amount {$4400.00}, with an original balance of approximately {$8200.00}. 

I have been asking them to send me something in writing to secure this arrangement for this amount and they refuse to so. I do not feel comfortable paying such a large amount of money over the phone with nothing to secure my settlement or protect the integrity of this negotiation. I have asked them on several occasions for there cooperation and they are just so difficult to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXX, SD XXXX shows a inquiry on my credit report Inquiry XX/XX/2020 that should have been removed 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 2020-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Texas Guaranteed
State: NY

Complaint narrative:
Trellis, formerly known as Texas Guaranteed sued me in the wrong jurisdiction, I live in New York and they sued me in the state of Texas. I have never been to Texas. They also added on thousands of dollars in fees to my loan. they also started illegally garnishing my wages and forced me into a settlement over the telephone in exchange for them to no longer garnish my wages. They took over {$300.00} from each paycheck and forced me into poverty. I was forced into paying them {$130.00} a month in exchange for them to no longer garnish my wages. this is adding on to case XXXX here is the proof they sued me in the wrong jurisdiction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: CA

Complaint narrative:
XXXX XXXX  XXXX  XXXX  Contact info XXXX XXXX XXXX XXXX XXXX, SD XXXX shows a inquiry on my credit report Inquiry XX/XX/2020 that should have been removed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: IL

Complaint narrative:
The companies " XXXX XXXX and Experian '' continue to report inaccurate information on my credit report. I disputed the inaccurate information correctly and they claim they verified the information. I challenged the information and asked them who verified the inaccurate information? Because it's against the law to report inaccurate information on a 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 2020-09-15 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:
I am a victim of identity theft and did not make the charges.

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 2020-09-15 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:
I am a victim of identity theft and did not make the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am closing a mortgage with Wells Fargo but cant complain enough about my process. 

I was told by a underwriter, my loan officer, the executive office, and my Lon officers boss that I was for sure going to be approved, something I am quite sure you are not supposed to say. Every self imposed deadline was missed keeping me buying my nails to the end. I continued with other lenders but when I put them on the titles Wells reasserted themselves onto my title without asking me all they said is they could for sure close. This kicked off another lender that had already approved me. It also means I now have no choice but to trust Wells to close my mortgage with no approval as financing deadlines are this week. This anti competitive and meant I had to go Wells Fargo not XXXX XXXX  XXXX. They have missed every deadline and would not honor my request to apply without my fincee despite me qualifying. Lastly I am applying with long term XXXX  income and I am aware of some violations in how my XXXX  income was underwritten. I am also XXXX  and they struggled to accomdate it by allowing verbal answers to the underwriter. I had to inform them they could not ask about the specific nature of my condition, medical questions, ask for policy documents vs. standard income verification I alerted them to HUDS guidance on grossing up post tax income. Honestly, Im aware of Wells consumer issues and this has been a awful, stressful, and predatory process

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 2020-09-15 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: IL

Complaint narrative:
The companies involved continue to report inaccurate information on my credit report after a so called investigation.

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 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CO

Complaint narrative:
I applied for a refinance of a mortgage and 2nd ( HELOC ) in early XXXX of 2020. I went through the entire application process, credit reports were pulled, appraisals were pre paid, etc. and loan was approved. 

However in the middle of this process ( on XX/XX/XXXX ). I was told that due to COVID that terms are constantly changing and I was no longer approved for the refinance. So the refinance was cancelled. 

However, in this process Better Mortgage locked up the funds on my HELOC and my bank will not release me my funds until Better Mortgage notifies them. It is now mid XXXX and funds are still locked up. 

I have place calls in Better Mortgage and can not get it resolved.

Company response to consumer: Closed with explanation