vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020, I disputed 2 accounts with each credit bureau on my credit report that both accounts addresses were wrong on my report. The letters were returned back to me they were not deliverable. I sent each credit bureau a copy of the return letters with a copy of the Postal Service tracking system that states the address is no longer valid. This is an error on my credit report, therefore according to FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information on my credit report both accounts should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax will not unlock my account, I have called more times than I can remember. They asked me to fax them my name, SSN, Drivers license and pay stub, which I have done at least 8 times over the pass four months. I have also created a customer care case, which has been open for three weeks with no response from them. I'm fed up with their lack of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: GA

Complaint narrative:
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, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX   violated my 609 rights by reporting information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 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, XXXX, XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: FL

Complaint narrative:
In the month of XXXX My wife and I had mailed a dispute into Experian regarding the incorrect reporting of our mortgage loan. We had both mailed the same letter ( attached ). We each received notice that the information disputed wasn't valid and that we'd need to provide more detail and that it wasn't processed. Then a couple days after that, we received another notice stating that the dispute was completed, and the results stayed the same. 

We had both called Experian, with our mortgage lender on the phone, and indicated what our dispute was. The rep allegedly submitted a dispute stating that our mortgage was not a foreclosure. We received correspondence back from that stating again the creditor furnished correct information. The rep acknowledged that we still have ownership on the property. 

We both received our results stating that the original creditor verified the information as being correct. 

We called Experian again and the rep had indicated that the months in question shouldve been disputed and not the entire account. He further stated that the previous rep had disputed the entire account incorrectly. Again, we waited only to get the same results. 

The issue here is how Experian reports a borrower, where foreclosure may have started and/or was being reported during a trial period of a loan modification. In the months of XXXX, XXXX and XX/XX/2018, our mortgage was coded as an " XXXX '' which is the foreclosure status. This incorrect reporting is prohibiting us from being able to purchase a new home. We are being told that the automated underwriting system used, both through XXXX XXXX   and XXXX XXXX, are giving a denial since there is a foreclosure reporting on the credit report. The other two bureaus do not report the modification trial period as an XXXX. They each have reported a XXXX or being 120 days past due during those months. 

From my understanding via my lender and through self-research, Experian 's reporting is inaccurate. The home was never foreclosed upon. The status reporting shouldn't be that of a foreclosure or even pre-foreclosure which indicates that the home was sold before being foreclosed upon. This incorrect reporting should have been at XXXX for those months, which would alleviate my issues. 

Now I'm at a loss since we are in jeopardy of losing our newly built home to address our change in family size. We have a deposit on hand with them and have been trying to rectify this since XXXX which we stand to lose along with not having a place to live. The home in which this inaccuracy is reporting, which is under contract to be sold, almost XXXX years past this error.

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 2020-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I tried to apply for a new car loan through chase bank for a XXXX XXXX. I had a previous auto loan with them which I paid off. My husband died in XXXX. But my current income us {$3200.00}. Chase has denied me for a new loan and most car finance companies require a stable income of {$2000.00} a month. My income is a stable amount of {$3200.00} a month. I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: CA

Complaint narrative:
On XXXX, Experian notified me by email that it had deleted a paid off auto loan in good standing. I worked very very hard to pay that loan off quickly. I advised Experian that I wanted the loan status to show that it was paid off. Instead after much time, Experian deleted that loan from my credit report. As a result my score declined. I wanted to buy a house and get the best terms. Experian jeopardized my goal. I called XXXX XXXX XXXX XXXX XXXX XXXX, where I had the loan. The customer service representative said that it was not the bank/credit union that deleted that car loan but that it was Experian. When I tried to call an Experian customer service representative all I got was phone prompts with no option to speak with a human being. Basically, Experian customer service is designed to waste people 's time and make them frustrated.

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 2020-04-16 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: OK

Complaint narrative:
605b complaint was not answered in a timely or proper manner in accordance to FCRA. I request immediate compliance or reasons as to why my complaint was not answered lawfully.

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 2020-04-16 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: OK

Complaint narrative:
605b complaint was not answered in a timely or proper manner in accordance to FCRA. I request immediate compliance or reasons as to why my complaint was not answered lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I purchased my home XXXX at that time my lender was XXXX XXXX. After closing XXXX  sold my loan to SLS loan servicing. I received a welcome letter from SLS stating that I would be making my mortgage payments to them starting XXXX. I actually made my 1st mortgage payment to SLS on XXXX. About a week or 2 later I received a welcome letter from XXXX XXXX   XXXX  stating they would be my new loan servicer and that I would be making payments to XXXX. Now mind you by this time I had already made the 1st payment. So in XXXX I call to make my payment to XXXX and they informed me I was late. I explained to the representative that I had made that payment with the old loan servicer. XXXX also stated that SLS should've forwarded the payment to XXXX. So I contacted SLS and they informed me they would forward the payment within 30 days to XXXX. Here it is 2 months later and SLS still has not released the payment and now XXXX has threatened to report me to the credit bureau as late. At this point I don't know what to do because I can't afford to kick out a extra mortgage payment and it seems like SLS will not be returning my payment to me or XXXX. SO PLEASE HELP!

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 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT WORLD SERVICES, INC.
State: MO

Complaint narrative:
After pulling a copy of my credit report i notice that there was a reporting on my credit from Credit world service. I sent them a letter in regard to what they were reporting on XX/XX/2020 certified tracking XXXX XXXX XXXX XXXX XXXX. As of today this collection agency is still reporting on my credit report. i have no contract and dont recall signing any contract with this agency. They failed to provide me any viable evidence, bearing my signature, showing the account is being reported accurately. 
i also would like to know who claim to have " verified : without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. that is why not only i dont understand why they are reporting an account knowing i have no knowledge of doing any transactions with Credit world service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: OR

Complaint narrative:
There were Fraudlent accounts on my credit report that were not removed by equifax and by law they were supposed to remove the fraud account.If its not removed in 9 days I will be seeking litigation. XXXX XXXX XXXX  XXXX and sprint XXXX Ftc complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
i am on fixed income and i tried to find out what my balance of how much money i had in my account in which they declined to provide me with the information that i needed instead they gave me a XXXX number to call and i waited for some one to come on the phone to check my balance but no one came on the phone to answer my questions about my account and my online banking. and when i asked to speak with a supervisor about the problem she said that i accused her employees that she was lying and she was lying. and if i was not telling the truth about i never had a problem by the other employees giving me my balance over the phone. well why do i have to call a XXXX number now? and also i had one of the man employee to tell me he was not the one. well i guess he was not because i told his supervisor about what he said and i tried to explain to him what his employee said he pretty much hung up the phone in my ear. and this has not the first time i had a problem with this bank. i wanted to get a secured credit card to rebuild my credit and i had the {$300.00} dollars and that was the requirement that was needed and after spending all that time up there just to get a credit card that was a waste of my time gas and everything just to get a credit card. and i in good faith i told them what i use out of the {$300.00} to draft it out of my account to put it back in good standing. and they put something in their computer system saying that i don't qualify to get a credit card so i just wasted my time hoping just to get a credit card to rebuild my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
this case is about american express their are sending to collection agency because somebody treat me badly changing story each and every day so they an fun of me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 2020-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
42 usc color of law capital one bank is refusing to research issue where systems were experiencing technical issues. Upon enter my account XXXX and off cents was errors to bank technical issues. Spoke with fraud department and refused to open claim.I am clueless even to being able to unlock and lock card. That is when issue occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My AMEX serve card and account is locked. For no reason. I can't add money, I can't use the card. I can't access my online account it says locked. When I call customer service I'm on hold for hours and then the line hangs up. No one is saying what is going on. Customer service is responding to people on twitter who are reporting the same issue but avoiding answering questions or giving any information.

Company response to consumer: Closed with non-monetary relief