vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
From XXXX I had a residential mortgage with XXXX which I was informed is under the control of XXXX Bank. This account was transferred to another lender in XXXX before XXXX Bank took over. In XXXX, XXXX, the mortgage was reported as 30 days late to each of the 3 major credit reporting agencies. When I reached out to file a dispute to have this item removed after XXXX, XXXX ( 7 years from the date of the first delinquency ), XXXX changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to XXXX to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by XXXX is correct, thus allowing XXXX to continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
From XXXX I had a residential mortgage with XXXX which I was informed is under the control of XXXX Bank. This account was transferred to another lender in XXXX before XXXX Bank took over. In XXXX, XXXX, the mortgage was reported as 30 days late to each of the 3 major credit reporting agencies. When I reached out to file a dispute to have this item removed after XXXX, XXXX ( 7 years from the date of the first delinquency ), XXXX changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to XXXX to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by XXXX is correct, thus allowing XXXX to continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.

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 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
As of XXXX XXXX. I open a checking account With Wells Fargo Bank in which the account A huge deposit was made. On XX/XX/2020 I received a letter from Wells Fargo stating that they need it more information for the account like my social security number. So I had to make an appointment to go in and sit with a banker because of the covid 19 pandemic. On XX/XX/2020 Went into Wells Fargo branch met with the banker with the letter for the information requested. As the banker review my account he informed me that there were no information needed and that everything on the account was correct and he did not see why they even Sent the letter out requesting for more information. He reached out to the back office just to be for Certain That everything was correct. The back office stated that everything was correct on my account and there was no worries and to disregard the letter so the banker took a copy of my driver 's license and social security card To post to the account so there will be no discrepancies. On XX/XX/2020 my account was closed by Wells Fargo bank Without any warning no letter, no email, no phone call of any sort to inform me what was happening to my account. They just close the account and took out all of my money over a {$100000.00} and Left my account at a XXXX balance. When I call to find out what happened no one could tell me anything no explanation or reason as to what happened or even why it happened. On XX/XX/2020 I had another appointment with the banker and he could not tell me what had happened to my funds or the account. He was also the same banker that opened account. I also notice that he had put the wrong address on the account.I don't know how he couldve done that when I gave him my Driver 's license and social security card for the account! XXXX? So he reached out to the back office and they could not tell me what happened to the account. No one had no reason no explanation of any kind and could not even explain what had happened to my money I am completely devastated The only thing they did was apologize for this happening and say that they will mail me a check through XXXX  which did not come yet I am completely a nervous wreck I did not authorize Wells Fargo to Do any of this who mails out a check with that amount of money in it ..this is insane They didn't even have a tracking number or anything I need help with this case immediately if anyone knows where or who can help me please respond immediately. I will never bank or even suggest anyone to ensure their money with Wells Fargo again!

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent over 5 letters to XXXX, XXXX, and Transunion - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent over 5 letters to XXXX, Experian, and XXXX  - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.

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 2020-05-28 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: IL

Complaint narrative:
I have 4 accounts total, 1 on Experian, 2 on XXXX and 1 on XXXX   which have been closed satisfactorily, except for a couple of late payments that I not only informed creditors of, but also caught back up with before the time that has been reported. Recently this has affected my life and chance to keep my credit clean as I have attached in screenshots, these decades-old account shouldn't be showing as seriously delinquent to this day when i caught up and closed them amicably.

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 2020-05-28 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) opened in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) opened in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Braviant Holdings, LLC
State: CA

Complaint narrative:
There are two companies involved here. One is SunUp Financial d.b.a. Balance Credit ; the other is XXXX XXXX XXXX. In XXXX of XXXX  I took out a loan with SunUp/Balance Credit. It was predatory -- 227 % -- but I knew I would be paying it as soon as the funds from the sale of my house arrived. In XXXX I mailed a check to pay off the loan, but when someone from SunUp/Balance Credit told me of the hundreds of dollars of interest that would accrue while they verified the check, I canceled the check and sent a cashier 's check instead. 

When they received the cashier 's check, SunUp/Balance Credit sent me an email saying that my loan was paid off. The email said that I could get a paid off letter from their Website by logging in to my account, so I logged in and retrieved the doc. ( It is a copy of the original loan doc with the words PAID IN FULL superimposed across each page. ) Then two-and-a-half years later I was contacted by the collection agency XXXX XXXX XXXX saying to send {$5000.00} for this loan. Despite sending them my evidence and explaining to them that the loan is paid off, they continue to keep this on my credit report and continue to send me letters asking for payment. 

My son has two XXXX  XXXX. If he were to catch the coronavirus, it would most likely be fatal. So when my employer reopens their doors, I will not be able to go back. For that reason, my wife and I plan on selling in Southern California and moving to Texas where things are more affordable. The problem is that my credit rating makes it difficult for me to qualify for a loan and Im not able to do anything to raise that rating due to XXXX XXXX XXXX reporting that I owe for a paid-off loan. 

My two-and-a-half pieces of evidence : 1. The email from SunUp/Balance Credit saying my loan is paid off. 
2. The Paid in Full doc from Sun/Up Balance Credit.

3. I did not save the copy of the cashiers check ( I figured numbers 1 and 2 would be enough ). But I do have a bank statement showing a cash withdrawal of {$5000.00} ( used to buy the cashiers check ) on XXXX. The paid-off email is dated XXXX. This is my half piece of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid off my auto loan with Capital One in XXXX XXXX of XXXX. 
After paying off my loan in XXXX, I requested that Capital One mail me an updated copy of the title report for my car to the address I had on file with them. 
It is now the end of XX/XX/XXXX, and Capital One refuses to mail me the updated title report for my car. 

From XXXX XXXX of XXXX, Ive called Capital One more then 15 times to request that they mail me the updated title report for my fully paid off car. 

Each time I call Capital One, the customer service agent I talk to tells me that they are working on correcting the issues and that I should receive the update title report soon. 

The title for my car is very important provides evidence that I own that specific property. On my most recent call on XX/XX/XXXX, the agent said that they cant to do anything and that I should figure it out on my own and provided no resolution to my complaint/ request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: VA

Complaint narrative:
I hired a credit repair company XXXX XXXX XXXX XXXX to help remove negative things from my credit report. Account with XXXX XXXX XXXX XXXX opened in XX/XX/2012 in amount XXXX shown as charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX XXXX XXXX even after attempts of removal with credit repair company on my behalf.

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 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am using cash app and it seems the whole network is shut down. It will not allow me to use my card or transfer funds. I tried contacting customer support today ( XX/XX/2020 ) and the entire system is crashed, customer support included. I have {$1600.00} on the account that I can not use. Their site says suspicious activity was detected but they never contacted me about it, they just closed down the site and blocked me from using my money. They need to contact customers and let us know what is going on and when the issue will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC
State: MD

Complaint narrative:
I have taken a personal loan, from XXXX XXXX, on XXXX amount I have taken, is {$6000.00}. 
I continued to make monthly payments, {$250.00}, as agreed, until XX/XX/XXXX. I was unemployed ( Terminated by Employer ) since XX/XX/XXXX, and unable to make payments as agreed and continued to pay half of agreed monthly amount, {$120.00} until XX/XX/XXXX. The Creditor, has not deducted the payments, which I made from XX/XX/XXXX to XX/XX/XXXX. The Credit balance {$4800.00} has brought forward from XX/XX/XXXX to XX/XX/XXXX, without deductions and the Account has Charged Off on XX/XX/XXXX, with a balance of {$4800.00}. 
The original Creditor, had sold the account to Oliphant Financial LLC, and received the confirmation Letter dated,XXXX. 
Then I received a letter from the new Creditor, Oliphant Financial LLC, on XX/XX/XXXX, with an increased balance of {$5000.00}. There was no reason for increased amount. 
I have informed the Oliphant Financial LLC, about my Financial hardship, as a result of my 30 % XXXXXXXX, my old age of XXXX years, and unemployment situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
HSN ( home shopping network ) account number XXXX was paid in full earlier this month. When i pulled my credit to check to see if it was reporting correctly I see that they had reported this account as late from XXXX of XXXX to XXXX of XXXX and this is incorrect. The account was never late, all payments were made and proof of payments exist. This account was enrolled into a debt management program in XXXX and they made my payments each month. When I called HSN they say that because my account was taken over by Synchrony Bank  they can not provide proof that the payments which they reported as late exist and this is a violation of the FCRA in which it says that all information reported must be accurate, complete and verifiable. They are in violation of these federal laws. I am requesting that all references to late pays on this account be removed from all 3 credit bureaus. This complaint is not asking that any reference to a dispute or investigation be placed on my credit files but they remove all late pays as it can not be substantiated or verified. This account is closed with a zero balance and they have no financial ties to this anymore. They are also putting comments on this account that is is being handled by a 3rd party company for payments and this is now incorrect. 

I am asking the CFPB investigate them for violation of the law if they choose not to remove the late pays and false comments. I will be taking them to court and suing them for this violation which carries a fine of nothing less than XXXX per instance if they choose to not follow the law and remove the late pays. I would ask for full attorney fees reimbursement as well if they want to go to court.

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 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am trying to set up with my Investment Banking to have my spare change when I use my debit card but to my investment account but my bank has blocked anyone and everyone from using this Investment Company it is not their decision it is my decision rather I want to invest with them or not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mortgage Research Center, LLC
State: AR

Complaint narrative:
On XXXX XX/XX/2020 Veterans United Home Loans pulled a hard inquiry on my credit report without my permission or knowledge. I talked to them today and they told me that they do not require permission to do hard inquiries. They are unresponsive and unwilling to do anything to fix it.

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 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery keeps calling and when you answer, they say, please hold. Receive numerous emails threatening to arrest and garnish wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a double payment in error for the month ofXX/XX/XXXX on my mortgage with CIT Bank. I contacted the bank to correct the issue and specifically asked to apply the extra payment to my XX/XX/XXXXmortgage payment. I specifically asked that the bank not mail a check for refund as I did not trust that the check would reach me. CIT Bank reversed both of my XX/XX/XXXXpayments then indicated that they have mailed a check for the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I am trying to refinance my mortgage and my current mortgage company Flagstar Bank is not paying off my taxes that were due inXX/XX/XXXX They are saying that payment is not due untilXX/XX/XXXX but according to my research that is when they are considered late. I contacted Flagstar Bank about 2 weeks ago and they said that the payment was made but according to the county office it has not been processed.

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