vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 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:
On XX/XX/XXXX I sent a letter to Experian after I noticed a bankruptcy being reported which was inaccurate. ( see attached ) Experian responded on XX/XX/XXXX saying that " the credit grantor has verified its accuracy. '' ( see attached ) The credit grantor is listed as : XXXX XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I wrote a letter to the XXXX XXXX XXXX ( see letter attached ) asking them to provide me the following information : " I am looking for information with regards to bankruptcy filings. Can you tell me what the process or method the court uses to " verify '' bankruptcy information with the credit reporting agencies such as Experian, XXXX and XXXX? How can these agencies claim they verified my information with the court and what information does the court share with the credit reporting agencies? '' The clerk of the court responded ( see letter attached ) that " the XXXX XXXX XXXX XXXX does not report information to or remove information from the credit bureaus. '' Therefore Experian is reporting INACCURATE INFORMATION ( 1 ) that the XXXX XXXX XXXX furnished and verified the information when the court clearly stated that they did not report this account to Experian! 

When I look at my credit report, it tells me the name of the furnisher of the information. That may be  a credit card company, auto lender, mortgage lender and sometimes collectors. Experian is saying that that courthouse or recorder, or whatever, is furnishing the information and the court is saying they DID NOT furnish the information. Experian is telling a bold-faced lie. 

I contacted 4 third party companies whom Experian claimed they get information from : XXXX, XXXX, XXXX and XXXX and they advised me that ANY INFORMATION THEY HAVE ON ME HAS BEEN FROZEN WITH A SECURITY FREEZE, therefore they could not have reported any information to Experian. 

Please see a copy of the Experian credit reports attached for your reference.

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 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America Mortgage Loan # XXXX The lack of processing of our loan has thrown us into default within the terms of the Purchase Agreement. Due to my husbands future ( retirement ~ date unknown at this time ) I was told he would need to be removed from the loan application because he would not have the wherewithal to meet his financial commitments if he retires. When we applied for the loan our birth dates were stated ~ retirement is a fact of life as is XXXX. I retired XX/XX/XXXX with a reasonable pension from XXXX. We paid for an appraisal ( {$560.00}? ) which was completed and requested the appraisal be sent to us so that we could use it elsewhere. That has not occurred. Most importantly, we requested a letter stating the approval or the denial of our loan, which as of today 's date XX/XX/XXXX has not been received. We have pending damages if we fail to close on XX/XX/XXXX. Only personal note is that my credit score is XXXX and we are creditworthy applicants.

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 2018-02-13 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: NC

Complaint narrative:
My Experian credit report shows that I have two late payments, when I have none. I called Experian to ask them to correct the information and the agent told me that it wasn't possible. So, I asked her to identify the late payments and she was unable to. She told me that potential creditors would not care about the late payment listing.

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 2018-02-13 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: GA

Complaint narrative:
This complaint is in regards to a Bankruptcy listed in Public Records date filed XX/XX/2014. 

Experian continues to report this inaccurate information even after several disputes. I have repeatedly requested tangible documentation whether electronically or hard copy and Experian has yet to verify. All they send is Verified on my report but don't list any names or address on how this is verified and then state they will not dispute this anymore. 

I have received a letter from the court that is listed on the credit report and they SPECIFICALLY state that they do not provide information to Credit Reporting Agencies. 

Experian 's system for matching profiles is not working. Experian must be reporting someone else 's Public Records information on my credit file. The address identification number DOES NOT represent any address where I lived. 

Since Experian is unable to verify their method and accuracy of this information, I want this Bankruptcy PERMANENTLY DELETED FROM MY CREDIT FILE immediately. I need your assistance in getting this matter resolved ASAP. 

This error is severely impacting my profile and is painting a bad picture of me.

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 2018-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a MasterCard through Capital One that was subjected to fraudulent activity when Capital One issued a virtual " Fast Card '' to a man in XXXX, FL, on XX/XX/XXXX. I was alerted ( via my email address ) to this new account they issued, along with changes to my address, phone number & email address ( which were all done over the phone ). I immediately called Capital One 's fraud department & told them about these fraudulent activities and sent them copies of my NC state issued driver 's license & social security card. I was issued a case # XXXX. All changes to the account settings were reversed & I was told any fraudulent charges would be reversed. They also cancelled my credit card ( along with my son 's card that is attached to my account ). They told me they would send me a new card in the mail. At this time, they also issued the criminal in Florida a new card as well - I discovered this while checking in to see if my account had been straightened out. So more fraudulent activity started taking place, more promises of resolution. I withheld one of  my payments during time after hearing they allowed this criminal to open a Visa account in my name ( I was told it was immediately closed by the fraud department but I have no way of knowing because it was a new account that I have no access to, not a hacked version - I have no Visa accounts ). After the bulk of the fraudulent activities were cleared up, I resumed my payments, making a double payment to make up for the one I missed. This entire process to date started on XX/XX/XXXX &  continued through XX/XX/XXXX. I contacted Capital One this month ( XX/XX/XXXX ) twice to resolve some remaining issues, but was first told by customer service that someone from fraud would call me back & the second time was bounced back & forth from fraud to customer service for 35 minutes only to be told no one knew how to resolve any of my problems. My issues : 1. My interest charges are still divided between Purchases ( mine ) & Cash Advances ( fraud ). 2. My interest rate went from 23.99 % to 24.24 % during the time of this fraud case. 3. I was given a {$25.00} late charge during the 2nd month of the case for withholding payment until Capital One started resolving the fraud. 4. The extra {$16.00} I was charged so Capital One could issue a " Fast Card '' to the criminal was never refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I can not get my credit report from Equifax. I have tried to talk with about 25 people at Equifax Customer Service over the last week ( XX/XX/XXXX-XX/XX/XXXX ) and Equifax refuses to assist me. I have reason to believe they are showing me as XXXX because my credit report from a third party aggregator of three credit reports shows a note about me being XXXX. I am not XXXX. I have confirmed with the Social Security Administration that they do not show me as XXXX. I need this cleared up yesterday, as I am trying to close on a home loan that is now in jeopardy. I need Equifax to respond to me, but they refuse to talk to me, let alone check with SSA to confirm the record with SSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: SC

Complaint narrative:
I have placed fraud alerts on my credit report as there has been a series of invalid inquiries and accounts opened. I have filed several disputes in an attempt to have the items removed from my credit report and have been unsuccessful. I have filed an Identity Theft Affidavit with the FTC and a police report with my local police department. I am asking for removal of the following inquiries : Rise : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, I XX/XX/XXXX XXXX, I XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX, 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 2018-02-13 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
My name has been attached to an account for {$1800.00}, that has my name assigned to it ; that I have no knowledge of. My bank account and associated cards are not mentioned, just my name. I live nearly the entire Republic of Texas away from the store XXXX XXXX XXXX, that is in XXXX, Texas that the account was opened in XX/XX/XXXX in my name. According to my credit report on XX/XX/XXXX shows a large amount on a purchase in my name that I had nothing to do with. Then was turned over in XX/XX/XXXX to a collection agency Southwest Credit Systems, dba : Southwest Credit -  XXXX XXXX in XXXX, Texas, not far from the original issuing source. I have contacted every government agency that I could find to possibly correct my incorrect credit report. I was unable to contact, despite several attempts, any of the numbers provided for the Collection Agency. Most  were unanswered rings, two I heard a message that " no tracks exist '' ( whatever that means ). I  was called back by a supposed Texas Secretary of State employee, I learned from a disconnected number ; by a person named XXXX that gave me a bogus number. When I called back to see if I dialed a wrong number, I found it was disconnected number. Later after calling the for a local sheriff 's deputy to file a second personal Identify Theft affidavit. I told the deputy that I called back he told me that there are no disconnected numbers at the Secretary Of States office. If I was called it was likely by some one trying to alter any direction I was taking to recover my proper credit. I did learn that there were complaints about both companies. If accurate, that there was an active bond, despite the collection company moving numerous time and changing the company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I went into a Wells Fargo branch in XXXX, KS yesterday XX/XX/2018. It was the location at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. 

I showed my drivers license and the personal banker called you guys and was put on hold. Now that I am verified, please unlock the account and allow me to have access to the account in its entirety. Thank you

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 2018-02-13 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: NJ

Complaint narrative:
On XX/XX/2018, I have asked XXXX, XXXX and Equifax verification and validation of a Negative Public Record : XXXX XXXX XXXX XXXX XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over XXXX XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from XXXX XXXX XXXX at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. 

I also requested that an address be removed from my credit report on Equifax the same week the first week of XX/XX/XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not Ans has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. 

This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home

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 2018-02-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from XXXX XXXX XXXX at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. 

I also requested that an address be removed from my credit report on Equifax the same week the first week of XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not Ans has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. 

This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I contacted the company via certified mail and asked to have this validated. They were unable to provide any documentation or contracts that link this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: NY

Complaint narrative:
I pulled my credit report from all three bureaus and realize that there is an account I don't recognize. I wrote a littler to all bureaus stating ... 

" It has come to my attention that you are reporting an account that I do not recognize [ XXXX XXXX ]. After pulling a report from all three bureaus, I noticed that the account type is listed differently with each bureau, the open date is different, the past due amount is different, monthly payment is different, original limit and high balance lists different amounts. 
A few years ago, I was a victim of Identity Theftcopies of the police report and FBI agent contact information was sent to you at the time. To my understanding the law allows me to ask for all the documentation associated with this accountany detailed proof and/or copies of the original contracts and signaturesas I need to compare and match with my records. 
Please send an updated copy of my credit report to the above address ; in addition, I request that you send notices of corrections to anyone who received my credit report within the past six months. ''

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 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eagle Recovery Associates, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX my wife received a phone call from ( XXXX ) XXXX Eagle Recovery Associates , Inc. in regards to a couple of debts. The representative assigned to these debts badgered my wife and made insulting and demeaning comments to her which made her uncomfortable. These comments were in regards to her " needing the services but don't want to pay them '', making her feel horrible. The representative told her on the phone ( which all calls are logged ) that he has two debts for us, one totaling {$130.00} and one for {$40.00}. My wife requested the debt letters be  sent to us via mail. We received them both. When I called in on XX/XX/XXXX to confirm the amounts and pay them, I was then told the total was now {$760.00}. The same representative ( as he is assigned to our debt ) told me on XX/XX/XXXX there is another {$400.00} debt, which was never mentioned before nor was a letter ever received for it. He told me that he informed my wife on XX/XX/XXXX that  the total was {$760.00}. I am disputing the additional debt and now the entire total. I disputed the debt on the phone and requested to speak to his supervisor. When the supervisor got on the phone, he told me his name and that was it. He didn't tell me he was a debt collector until about 4-5 minutes into the call. I requested to have the call audio pulled from XX/XX/XXXX to verify if the representative was being honest with me and my wife. The supervisor decided to change the course of the conversation to " the total debt owed is ... '', " do you want to pay it now? ". The supervisor would NOT pull the audio for me to listen to. Instead he kept interrupting me when I was trying to explain why I wanted the audio pulled and said I was being condescending. The supervisor stated he was going to end the call and note the account as a " refusal to pay '' and recommend additional action to be taken. At the end of the phone call he said he is going to hang up. I stated to him " don't hang up if you would like to be paid ''. He then hung up.

Company response to consumer: Untimely response