vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 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: TX

Complaint narrative:
I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( XXXX  XXXX, XX/XX/2021 ( Equifax XXXX and XX/XX/2021 XXXX XXXX XXXX against XXXX XXXX XXXX. As of XX/XX/2021, my XXXX  XXXX XXXX student loan was paid in full and therefore closed. On XX/XX/2021, both XXXX  and XXXX  closed my Disputes with no change to my account balance and status, because XXXX XXXX XXXX  advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why XXXX XXXX XXXX would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( Experian ), XX/XX/2021 ( XXXX ) and XX/XX/2021 ( XXXX  ) against XXXX XXXX XXXX. As of XX/XX/2021, my XXXX  XXXX XXXX student loan was paid in full and therefore closed. On XX/XX/2021, both Experian and XXXX  closed my Disputes with no change to my account balance and status, because XXXX XXXX XXXX advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why XXXX XXXX XXXX would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This complaint is about Experian XXXX and their false and misleading television advertising. 

In their television ads, they claim they will gather information on recurring payments made to utilities and entertainment providers. 

One example they site is XXXX. I pay for XXXX every month for years, and Experian XXXX refuses to include XXXX in my XXXX  Report and resulting Credit Score. 

I have contacted Experian XXXX  numerous times in writing over this omission and the fact that they advertise extensively that they WILL ADD XXXX payments to my XXXX  Report and subsequent XXXX  Credit Score. 

This advertising is a LIE, it is FALSE and MISLEADING, and they know it is false and misleading and yet still continue to advertise that they include payments to XXXX in their Experian XXXX  product. 

Nothing has worked to get Experian 's attention and get them to fix whatever the problem might be. I have even submitted copies of my bank statements to them showing the payments to XXXX and still, they do nothing. 

Experian needs to be held accountable by the CFPB and the FTC for their bad behavior and completely unresponsive customer support.

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 2021-08-25 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: NV

Complaint narrative:
i XXXX XXXX bought a condo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nevada XXXX in XX/XX/... on my experian report is a house XXXX XXXX XXXX XXXX XXXX nv XXXX... i did not purchas this in XXXXits on my credit report causing problems..i have sent written letter in XXXX  to experian to take it off this i did not buy..im wondering why did this guy use my ss # and have it put on my credit report..here is the info on house on XXXX XXXX ... single family XXXX XXXXXXXX XXXX address id # XXXX ... its been 3 years now how long does experian take to get this off my report..i have done everything short of going to this mans house and march him ti a lawyer so he can tell someone why he put on my credit report..i am refinancing my condo on XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX and its still there..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to first XXXX XXXX XXXX and Experian about the NON REPORTING OF TWO PAID OFF AUTO LOANS. 

I have attached pay off letters, emails from the supervisor at XXXX who explained they have reported my information to be posted on my credit report but yet it is not showing. By federal law the credit bureau and financing companies can not withhold the reporting/credit of financial obligations ( auto loans ) from being posted on my credit report.

PLEASE HELP ME GET THESE TWO PAID OFF AUTO LOANS THAT ARE POSTED N MY XXXX  AND XXXX  REPORT TO ALSO BE REPORTED TO MY EXPERIAN 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 2021-08-25 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: PA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed out of {$12000.00} from a man/company that promised me {$50000.00} after an initial {$3000.00} fee that I needed to pay. I was told it was a US Customs fee. I was informed by them that because I took long, that fee was up to {$15000.00}. I cashed out three checks totaling {$12000.00} through Wells Fargo. I checks were in increments of {$3500.00} ( XXXX ), {$5000.00} ( XX/XX/XXXX ) and {$4000.00} ( XX/XX/XXXX ). I realized it was a scam on XX/XX/XXXX, did not send anymore money, and contacted the bank immediately to report the scam. They informed me that they were not able to return me the money because it was removed from the account. They did not assist me any further.

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 2021-08-25 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: OH

Complaint narrative:
I have contacted Transunion concerning inquiries in my report that are fraud and wish to have them removed, i was told that the inquiries fraud or not can not be removed. the inquiries in question are below. 

XXXX VIA XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX Installments XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2021-08-25 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a secured credit card with Wells Fargo. After roughly a year of consistently paying the credit card off each month ahead of schedule, they offered to switch my card to a non-secured credit card. I accepted the offer and thus they created a new card for me. The old, secured credit card was supposed to be closed automatically. 

Unfortunately, that did not happen and somehow transactions continued to occur on the card and worst of all payments I tried to make some how began to show as transaction amounts I owed. Subsequent fees and late notices appeared on the account. 

My wife and I have tried multiple times to work with Wells Fargo. The only people we get on the phone can't help us and the group they send us to doesn't appear to exist. We have spent endless hours trying to resolve this with Wells Fargo and at this point we don't have the time to continue to pursue this issue with them to no end.

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 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have paid off my credit card debt with Capital One on XX/XX/XXXX. 
I can show on my bank statement the balance amount being paid to CapitalOne on XXXX XXXX, XXXX. 

CapitalOne online is still not showing my payment as of XX/XX/XXXX and is stating my account is overdue and a payment must be made to avoid late fees. I'm sure CapitalOne will also report a false statement to the credit burea. 

I called and spoke to a person at Capital One by the name XXXX, only name he gave me, on XXXX XXXX, XXXX at XXXX XXXX  PST. 
He gave me no real answer and said to give it a few days. 

This is the first time my deposit has not appeared the next day. I'm afraid it will damage my credit score, I am currently at 100 % at paying my bills on time. I have screenshots and accounts available as proof of my complaint. Also, I would like to close this account now that it is paid off to avoid being charged their annual fee in about 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TX

Complaint narrative:
I received the attached from a collection agency. On XX/XX/2021 I contacted the company that I knew nothing of this account. I was informed they would send information but I have yet to receive anything. XXXX XXXX XXXX are like all the fraudulent companies that try to extort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldridge PIte Haan, LLP
State: AL

Complaint narrative:
Was initially contacted by mail from Aldridge Pite and Haan/Debt Collector by letter dated XX/XX/2021, who states their client is XXXX XXXX. I had no idea who they were. They have indicated in correspondence dated XX/XX/2021, that the account has been charged off and they are trying to collect from me. I don't have any agreement or contract with Aldridge Pite and Haan/Debt Collector ; I don't owe any alleged debt to them. They have sent letters indicating they are attempting to collect a debt and that they are an attorney at law. Pursuant to 15 USC 1692e - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Any alleged indebtedness is an obligation of the United States Pursuant to 18 USC 8 - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. I sent an Affidavit of Truth and have not received a response. There are many individual actions and they were given 21 days from date of receipt, which was XX/XX/2021, to send payment according to the attached invoice, of all the individual actions, and have not done so and was given ample time. I am seeking remedy from Aldridge Pite and Haan/Debt Collector. I demand that any information pertaining to Aldridge Pite and Haan/Debt Collector and their client be removed from all credit reporting agencies, immediately. Affidavit and Invoice included.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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:
Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX # XXXX {$780.00}, XXXX XXXX # XXXX {$380.00}, XXXX # XXXX {$180.00}, XXXX XXXX XXXX  # XXXX {$560.00}, XXXX XXXX # XXXX {$510.00}, XXXX XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$670.00}, XXXX XXXX # XXXX {$280.00}, XXXX XXXX # XXXX {$210.00}, XXXX XXXX # XXXX {$280.00}

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 2021-08-25 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:
Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX # XXXX {$780.00}, XXXX XXXX # XXXX {$380.00}, XXXX  # XXXX {$180.00}, XXXX XXXX XXXX # XXXX {$560.00}, XXXX XXXX # XXXX {$510.00}, XXXX XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$670.00}, XXXX XXXX # XXXX {$280.00}, XXXX XXXX # XXXX {$210.00}, XXXX XXXX # XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Amount : negative XXXX dollars and XXXX cents {$19.00} I HAVE NEVER USED THIS MERCHANT CARD WAS NOT AUTHORIZED FOR XXXX CARD WAS NOT PHYSICALLY PRESENT SOUTHSTATE BANK NOTIFIED OF FRAUD WITHIN MINUTES OF UNAUTHORIZED CHARGE ON XXXX XX/XX/XXXX IN RESPONSE TO TEXT MESSAGE TO ME FROM SOUTHSTATE BANK.

SOUTHSTATE BANK ISSUED PROVISIONAL CREDIT : XX/XX/XXXX Provisional Credit XXXX Amount : XXXX dollars and XXXX cents+ {$19.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX RETURN XX/XX/XXXX XXXX Amount : XXXX dollars and XXXX cents+ {$19.00} ; IN THANKING YOU FOR YOUR ATTENTION AND ASSISTANCE, I AM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made several attempts to resolve please delete from XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XXXX at XXXX XXXX I spoke to XXXX to let him know my payment online had processed from wrong bank account. This was the second time and I changed account # s but it keeps defaulting to old account. My payment is always made before due date and I dont know to fix. He said it was my fault not theirs and hung up on me. He did not help me process a new payment or help resolve the two returned check fees I would be charged. Spoke to supervisor XXXX who told me the first {$25.00} return check fee had already been paid- possibly from the last principal payment I made. I asked him to reverse but said it was not possible to submit research request.

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 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
This is regarding my ( first ) annual l escrow analysis and the resulting adjustment of my monthly mortgage payment. My monthly escrow payment will increase by approximately 60 % because the company is requiring me to start with a {$2100.00} escrow balance, which I believe is a RESPA violation - my monthly escrow amount is {$310.00}. I called the 800 # today and they just kept repeating the numbers I see on this analysis, which I believe to be unfair and a RESPA violation to now require me to have a balance upfront of {$2100.00}. Also, am I allowed to cancel this escrow account so I don't have to fund the {$2100.00} starting balance? 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I settled a debt through XXXX XXXX, a debt consolidation company, and was satisfied on XX/XX/2020 in the amount of {$410.00}. It is still showing on my credit and Im acting me negatively. I have requested pay off letters and disputed multiple times and they will not relive from my credit report. Lvnv Funding is the company. 
Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
I have reached out to first MidAtlantic Finance Company and Experian about the NON REPORTING OF TWO PAID OFF AUTO LOANS. 

I have attached pay off letters, emails from the supervisor at Midatlantic who explained they have reported my information to be posted on my credit report but yet it is not showing. By federal law the credit bureau and financing companies can not withhold the reporting/credit of financial obligations ( auto loans ) from being posted on my credit report. 

PLEASE HELP ME GET THESE TWO PAID OFF AUTO LOANS THAT ARE POSTED N MY XXXX AND XXXX REPORT TO ALSO BE REPORTED TO MY XXXX REPORT.

Company response to consumer: Closed with explanation