vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Unfair Practice Pursuant to Section 5 of the FTC Act ( 15 USC 45 ) I recently closed a loan with Loandepot. The closing took place the evening of XX/XX/2020. Included in the closing package was a preliminary settlement statement that included prepaid interest starting on XX/XX/2020, the expected date of funding. I received notice on XX/XX/2020 at XXXX XXXX ( attached ), after close of business, that the loan had funded. The receiving institution posted the three funding wires to my accounts on Monday, XX/XX/2020. 

I requested from Loandepot an updated closing statement that correctly reflected the funding that was posted on XX/XX/XXXX, and a refund of the excess accrued interest on the settlement statement for which I was billed beginning XX/XX/XXXX. Loandepot provided a copy of the funding notice email, already provided on XX/XX/XXXX. I again requested evidence from Loandepot ( see attached email ) that the funding actually occurred on XX/XX/XXXX. That request has been unanswered and had the company provided the necessary evidence to substantiate the claim the funding occurred on XX/XX/XXXX, this complaint would not be filed. Due to the fact that the company can not or will not provide evidence of funding, I can only reasonably conclude that such evidence does not exist. 

In addition, I have ascertained that the receiving financial institution received the three funding wires on XX/XX/XXXX, all after XXXX XXXX  ( wire receipts attached ). This is a full 24 hours after my notification that the loan was funded. In addition, XXXX is after the wire cutoff time for the receiving institution, which is why the funds were not posted to my accounts until Monday, XX/XX/XXXX. I have also attached the payoff statement from the receiving institution indicating a payoff on XX/XX/2020. Since the funds were not available to me until Monday, XX/XX/XXXX, I respectfully request that the accrued interest for those days between XX/XX/XXXX and XX/XX/XXXX be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried disputing the incorrect information online in XXXX after I got letters online stating the addresses were removed but when I go back to the website the address are not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I filed for chapter XXXX bankruptcy at the United States District Court of Minnesota Bankruptcy Court. The following accounts listed on my XXXX  and Equifax credit report was completely discharged under chapter XXXX bankruptcy : XXXX XXXX XXXX, XXXX. {$14000.00}, XXXX XXXX XXXX, XXXX, {$8600.00}, XXXX XXXX XXXX XXXX, {$3300.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX XXXX, {$500.00}, XXXX XXXX XXXX/XXXX XXXX XXXX, {$1800.00} and XXXX XXXX XXXX XXXX XXXX, {$5000.00}. I no longer owe the debt because the debt was completely discharged under Chapter XXXX Bankruptcy rules in the United States District Court of Minnesota Bankruptcy Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: MN

Complaint narrative:
The following credit inquiries listed on my Experian and XXXX   credit report are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-02-24 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Back in XX/XX/XXXX, I had a car crush and the insurance declare it total loss, so they told me that they will paid off my car. The insurance send the check to the ally finance bank and they cash out the check. However, they have not credited it to my account yet and whenever I call, they just transfer me to the department of total loss. it has been a little more then two months trying to reach them, but they never answer. their voice mail says leave a message and will return your call ; they never do. until this point they have not given me an answer and I do not know what to do. I have tried to talk to customer service but they also don't help me ; they just transfer me to the total loss department, but it always the same they never answer. the Ally Finance has been taking the car 's monthly payment even though ; they already got the insurance payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX and Equifax credit report are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CB1, Inc.
State: MT

Complaint narrative:
This bill was paid XX/XX/2019 this company has been viciously and maliciously attacking myself and my credit. I had to hire an attorney to help me deal with these people at CBM  and CB1 collections " same company '', this bill was off my collections in XX/XX/2019 and just recently showed back up. this bill was paid directly to cb1 on XX/XX/2019 in the amount of {$190.00} this needs to be removed from my credit or show as paid in full. this company needs to be looked into for harassment and bad practices of peoples credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: PA

Complaint narrative:
Dispute was started as the credit report contained items that exceeded the time they could be legally reported. The accounts were both from XXXX XXXX XXXX, XXXX and XXXX. Two other credit agencies confirmed and deleted the accounts ; however, Experian still maintains as accurate as reported. Similar to other issues with Experian in the past, how can Experian verify information when the other two major reporting companies confirmed and deleted the 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 non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i sent capital one /walmart my payment of XXXX which was due. i sent it on time thru internet. on XX/XX/2020. they receives it on XX/XX/2020. i had a three way calling with cap one, representative XXXX and the XXXX  representative XXXX and myself. The XXXX   representative XXXX told representative ms , XXXX that capital one / walmart received my payment of XXXX on XX/XX/2020. after they look for my payment they finally found it. but now they are charging me a late payment of {$39.00}. I need you to please contact them and ask them to waive and deduct that late payment cause its not my fault they lost my payment, i pay it on time. please help .thank you ... .p.s.. my cap.one / walmart acct : # XXXX.transaction # the received it is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian : XX/XX/2020 I tried to log in and it said incorrect password. I tried to reset pswd and it said no user. I asked for user and it said it was sending it and it didn't. Next day it allowed me to log in with the same info I used the day before but then would say oops call when I tried to work with my credit freeze. I called. Response was you will be helped in 15 min. 37 min later I hung up. when i go to sign in half the time its says incorrect and the other half it works but it never allows me to do anything once it signs me in. Meanwhile I need to turn off a credit freeze for my job to give me a security clearance. This company needs to have its doors shut as it has too much power over our lives with its horrible processes!

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 2020-02-24 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-02-24 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:
Requested to delete address that are inaccurate and not reportable per FCRA sent in a Notarized Certified letter picked up at a postal facility at XXXX XXXX  on XX/XX/2020 in XXXX, TX XXXX. Please remove addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. Experian communication of dispute results dated XX/XX/2020 We store address information from information contained in public records. One or more sources reported the address information '' that is inaccurate address that are not deliverable to me by the US Post Office.

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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Ss # last 4 XXXX DOB XX/XX/XXXX SWORN AFFIDAVIT I'M SUMMITING THIS COMPLAINT BECAUSE EQUIFAX IS REPORTING A COLLECTION ON MY CREDIT FILE THAT WAS DISPUTED BY ME SUCCESSFULLY WHEN THE ORIGINAL CREDITOR REPORTED IT XXXX XXXX XXXX THEN MY DISPUTE STATED THAT THE ACCOUNT WAS A FRAUDULENT ACCOUNT AND IT WAS REMOVED I SUMMITED POLICE REPORT SEVERAL TIMES PROVING THAT I'M A VICTIM OF IDENTITY THEFT I HAVE HAD A FRAUD ALERT ON MY CREDIT REPORT SEVERAL YEARS BECAUSE OF THE FACT THAT I'M A VICTIM OF IDENTITY THEFT NOW XXXX XXXX XXXX HAS PURCHASED THAT ACCOUNT AND REPORTED AS A COLLECTION ACCOUNT CAUSING MY CREDIT TO DROP FROM A XXXX TO XXXX I'M IN THE PROCESS OF PURCHASING A HOME AND IF THIS FRAUDULENT ACCOUNT CAUSES ME TO LOSE OUT ON PURCHASING MY HOME EQUIFAX, XXXX   AND XXXX XXXX WILL BE NAME IN A FEDERAL COMPLAINT ALONG WITH XXXX XXXX AND XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NV

Complaint narrative:
I recently started montering my credit and I notice accounts on my credit profile that I have never been made aware of until now. My information was compromised due to XXXX  's data breach and I would like these accounts removed from my credit profile

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 2020-02-24 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-02-24 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NV

Complaint narrative:
I recently started montering my credit and I notice accounts on my credit profile that I have never been made aware of until now. My information was compromised due to Equifax 's data breach and I would like these accounts removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 recently started montering my credit and I notice accounts on my credit profile that I have never been made aware of until now. My information was compromised due to XXXX  's data breach and I would like these accounts removed from my credit profile

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 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IN

Complaint narrative:
from XXXX of XXXX to XXXX of XXXX, i lived at XXXX XXXX in XXXX arizona. my address was XXXX XXXX XXXX XXXX. i signed a 1 year lease, lived there 1 year, and moved out. now, XXXX   claims i owe them {$1300.00} dollars. it is now in collection by hunter warfield, XXXX XXXX   XXXX XXXX. XXXX florida, XXXX, XXXX i do NOT owe this money. it is a made up bogus debt, period, full stop. i satisfied the lease with XXXX, and left the apartment in the EXACT same condition as when i moved in. there is no possible way for me to owe XXXX, and now hunter warfield one single penny. impossible. if anything they owe me cause i never received my security deposit back for leaving the apartment in perfect condition. i called hunter warfield in XXXX on two different occasions and told them this is a bogus made up debt. that i do not owe it and i will not pay it cause i do not owe it. i explained to them that i will soon become homeless and this bogus made up debt on my report is causing me to be disqualified whenever i apply for an apartment before that happens. they then became very rude and nasty with me on the phone both times. i also disputed this bogus debt on XXXX XXXX and they are now claiming that this debt is accurate. IT IS NOT. i do NOT owe this money. period. and hunter warfield is attempting to collect money not owed, from a sick, XXXX  old man struggling to get by on XXXX once a month. hunter warfield, as well as every living breathing american must be made aware that hunter warfield attempts to collect money not owed, and that they have very rude and obnoxious employees answering their phones.

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 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
My husband and I leased an apartment from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX. We signed a 6 month lease. In XX/XX/2019 my husband got notice from his job about changes and relocation. Therefore, on XX/XX/XXXX we went into the office at XXXX XXXX to tender our notice to vacate and find out the fee to be released from the lease. The agent we talk to in order to give the notice asked us if we would like to sublet the unit. we asked how does that worked and she explained to us that it would release us from having to pay for the last two months remaining in the lease or any other fees. We agreed to the transaction. She said that there is a lady waiting to see her who is looking for the size apartment that we have but currently they don't have one available. She said please follow me so I can introduce her to you all and see if she would agree to sublet contract. After speaking with her she was very excited and agreed to the subletting. The leasing agent asked us to use the office computer and complete the subletting documents. In which we did. We move out the end of XX/XX/2019. Some months later we got a email saying we owned for the remaining of the lease and all fees associated. We were confused. I contacted the manager but did not get a reply. I emailed the manger about the matter and she replied she was not aware of the subletting or lease takeover. After I emailed her conversations about it she now said she was aware but we are still responsible for the balance. The management can not justify why they are taking such action in trying to make us pay what we are not responsible for. We professionally cleaned the unit and took video and pictures after moving out. We signed all subletting documents. The manger recently reported this debt to the credit bureaus. This indeed was false reporting. If this matter is not resolved in the next 30 days, Our next step is to take file charges against XXXX XXXX XXXX in small claims court and sending this case to the Federal Reserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In mid XXXX of 2020 I received a notice from my credit monitoring service of a change in my credit report : an account I had with Wells Fargo had been closed, specifically my Wells Fargo Health Advantage account. Since I never received a notice from Wells Fargo directly, I thought something was amiss so I called Wells Fargo. I was informed that the account was closed due to inactivity. I told the representative that I had tried using it and that none of my health providers accepted it. My credit report also showed *me* closing the account, instead of the issuer taking that action. I told the agent that account closings could hurt my score and that I would have appreciated notification of the closing from Wells Fargo. I wanted the matter rectified in my credit report. Also, there might be a health provider in the future that may accept it so I wanted to keep it open. The agent said I would have to petition reinstatement of the account. On the phone said that he would do 2 things : note my concern & relay my desire to keep the account open ( ask for a reinstatement ) and also start the process of notifying the credit bureaus that the account was closed by the credit card issuer and not by me. Fast forward to today, XXXX XX/XX/2020 ... I am checking my credit report ( I do this monthly or more often ) and I find the following updated " comment '' regarding said account - " Dispute resolved ; consumer disagrees, account closed by consumer. '' Wells Fargo continues to MISREPRESENT its actions towards its customers. Apparently they learned NOTHING from their unauthorized account creation behavior and continue to act on their best interest instead of being truthful about their dealings with customers! ALL THEY HAD TO DO WAS STATE THE TRUTH - ACCOUNT CLOSED BY CREDITOR DUE TO ACCOUNT INACTIVITY. What is so hard about that?

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