vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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: GA

Complaint narrative:
The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. 

The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against Experian. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for Experian to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 

1. XXXX XXXX Account # XXXX Balance : {$3600.00} 2.  XXXX XXXX Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.XXXX XXXX XXXX Account # XXXX Balance : {$8600.00} 6.XXXX XXXX XXXX   Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXX   Account # XXXX Balance : {$28000.00} 8.XXXX Account # XXXX Balance : {$3500.00}. 

Under FCRA, Experian has four days to remove and block these accounts. If not, I will reporting your company to Better Business, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.

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 2020-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
I started a refinance process with Loan Depot back in XX/XX/2020. The process was going well but then we got an appraisal which was from a company they selected and the appraisal come back really bad. They had the wrong square footage from my property, missing about 500 sq/ft. Did not disclose all the work we have done in our house or anything. 

Covid came to play and the process got totally derailed where they couldn't move forward because of the appraisal. They said they would be able to get another one since the first one was not reliable. Months have passed and they can't move forward OR want to refund the appraisal money so I can shop somewhere else. 

We got a recent appraisal from another company and that one is realistic so we are currently working with another company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I canceled my insurance policy with XXXX XXXX in XX/XX/2020. I asked the representative to confirm the actual amount due and send me the final bill. That never happened, although XXXX XXXX states that several e-mails and letters were sent. I never received emails or letters from XXXX XXXX regarding an amount due. Today I received a letter from CCS, a collection agency, stating that I owe {$350.00}. I am concerned that XXXX XXXX has sent this information to the credit agencies and if they have this is unethical and reckless. As stated I never received any communications about the final bill other than the conversation with the representative when I canceled the policy in XX/XX/2020. At that time I asked her to confirm. I have attempted to contact CCS about this issue because I wanted to stress my concerns about this information being submitted to the credit bureau agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I have been unable to access my online account for my Barclay 's Uber Rewards Card since midXXXX. i can not make payments or view an up-to-date balance. I have been told that others are having my issue and that I just need to wait since the beginning of XXXX. My understanding is that Barclays forwarded a report on XX/XX/XXXX designating me as a late payment after being told that 1 ) any late fee or interest would be waived by multiple parties ; 2 ) that I would be able to access my account in order to make sure I was paying for what I should be paying for. 

The company called me at work today before putting me on hold about a late payment. Nothing has allowed me to get online and pay my account, and I am told that late fees ( that they waived ) have been reported to XXXX. I have been told that it is automatically reported and that there is no one to speak to about correcting the result of an error on their end. Additionally, I am told that there are no supervisors to speak with after the person on the call speaks to a supervisor and that they are unable to do anything for me about my online access other than just wait. I am told that I can make payments over the phone but have no way of making sure my information is current and correct before making a payment, something which is impossible based on conflicting and confusing information given me over hours of speaking to various customer representatives.

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 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I AM FURIOUS WITH WELLS FARGO AND THEIR CUSTOMER SERVICE. THIS ACCOUNT IS A FRAUDULENT ACCOUNT THAT OPENED AS A RESULT OF IDENTITY THEFT. I HAVE SUBMITTED ALL NECESSARY DOCUMENTATION TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, AND THEY ARE REFUSING TO HELP ME WITH THIS MATTER. I HAVE SUBMITTED POLICE REPORT, FTC IDENTITY THEFT REPORT PROVING THAT I AM A VICTIM OF ID THEFT AND THIS ACCOUNT WAS OBTAINED FRAUDULENTLY USING MY PERSONAL 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 2020-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. I received a letter from XXXX stating they sold it and that effective XX/XX/XXXX Carrington was my new lender. I have been making my monthly payments to Carrington since. I had some trouble with them in XXXX, I received a letter from my homeowners insurance saying they had not been paid. I contacted Carrington, it  basically took over a month for the issue to be resolved. On XX/XX/XXXX I received a disturbing call from a woman stating she was from Carrington on a recorded line to discuss my XXXX payment, but before I could say anything she said disregard this call. I said I already made my payment she said I know that's why I said disregard. ( she was very rude ) I asked her why she even called then she said to talk to you about your XXXX payment but I said disregard. The whole thing didn't make sense to me. So I asked her why they are not reporting my payments to the credit bureau she said I don't know let me have your social. I didn't feel comfortable giving it so she just hung up on me. I called the number back and it was in fact Carrington. I am trying to buy a new house and this is hindering me. I need this resolved as soon as possible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
i have tried to link my account to both XXXX and also a lender that would automatically deposit the amount requested if I link my bank account. 
The screen that I receive says that PNC BANK has made changes to my account that prevents me from linking the account. I personally have not requested any changes to be made to my account that would not authorize linking my account to other applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
On XX/XX/2020, HSBC Bank USA, NA closed a savings account I have had with them for over 10 years. I did not receive any advance warning stating my account would be closed due to inactivity. Rather than send me the funds from the savings account, they have listed them as abandoned. I regularly sent back account verification forms that I received from HSBC. The Texas Comptroller has also investigated and stated that they do not have my funds. I would like HSBC to send the funds from my savings account to me. They are not abandoned, and they made no attempt to verify whether this was true or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Upon calling the phone number on the letter from American Express I was routed to a collections department in XXXX, at which time I requested to speak to someone in America to handle my American Express collection. I was told by the operator that no one in America was able to accept my call at this time ( XXXX on XX/XX/2020 ) and that they would update my account to reflect this request. It is now XX/XX/2020 and I have not only never received communication from the company, and I have been notified that the debt was sold to another creditor. 

These debt collectors were calling my phone non-stop. American Express was calling my phone within seconds of another call in which I have ample evidence indicating this. Not only are these collectors using spoofed Michigan phone numbers, calling my phone in a relentless manner, but they are also calling my phone at all times of day including collection calls at XXXX Arizona time. Although the debt collectors may not know my exact location, they know based on my address on file, the time zone of these calls is not only inappropriate, it is illegal. In Arizona specifically, Arizona law prohibits debt collectors from engaging in a range of deceptive and intrusive tactics when collecting money on behalf of a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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:
On XX/XX/2020 I requested that Equifax verify an alleged bankruptcy and they responded on XX/XX/2020 that it was verified through XXXX XXXX. However, my XXXX XXXX file is frozen, so that was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. 

The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against XXXX. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for XXXX to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 

1. American Express Account # XXXX Balance :  {$3600.00} 2. American Express Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.XXXX XXXX   XXXX Account # XXXX Balance : {$8600.00} 6.XXXX XXXX XXXX Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXXN Account # XXXX Balance : {$28000.00} 8.XXXX Account # XXXX Balance : {$3500.00}. 

Under FCRA, XXXX has four days to remove and block these accounts. If not, I will reporting your company to XXXX XXXX, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: DISCOVER BANK
State: GA

Complaint narrative:
The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. 

The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against XXXX. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for XXXX to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 

1. XXXX XXXX Account # XXXX Balance :  {$3600.00} 2. XXXX XXXX Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.DISCOVER FINANCIAL SERVICES Account # XXXX Balance : {$8600.00} 6.DISCOVER FINANCIAL SERVICES Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} XXXX Account # XXXX Balance : {$3500.00}. 

Under FCRA, XXXX has four days to remove and block these accounts. If not, I will reporting your company to XXXX XXXX, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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:
I am requesting for Equifax to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to XXXX XXXX XXXX in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because Equifax refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by Equifax. Please block and remove these fraudulent accounts within four days : 1.XXXX XXXX / XXXX XXXX XXXX XXXX Balance : {$3000.00} 2.  XXXX XXXX / XXXX XXXX XXXX Balance : {$3400.00} 3. XXXX XXXX XXXX XXXX Balance : {$1400.00} 4.  XXXX XXXX XXXX XXXX Balance : {$8600.00} 5.  XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7. XXXX XXXX XXXX XXXX | XXXX Balance : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX, Equifax, and XXXX are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation, yet I have yet received any information in over 90 days. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
State collections have been notified several times of my bankruptcy and still attempt to collect. Provided false information on prior cfpb complaint. I did not file a ch XXXX i filed a ch XXXX on XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX CDT received call from XXXX XXXX WELLS FARGO. Representative advised because I made payments on time. All cards will be paid in full in 3 months if payments were made by due date. After I gave account numbers & balances for 5 credit cards. I was told I would receive call in 24 hours. I asked to speak with manager, representative hung up.

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 2020-07-06 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: GA

Complaint narrative:
Transunion needs to block and remove fraudulent accounts immediately because someone stole my identity and personal information in order to obtain credit cards in my name without my permission : 1. XXXX XXXX XXXX ACCOUNT # : XXXX Balance : {$28000.00} 2.  XXXX XXXX  XXXX ACCOUNT # : XXXX BALANCE : {$6700.00} 3. XXXX ACCOUNT # XXXX BALANCE : {$3000.00} 4. XXXX XXXX   XXXX ACCOUNT # : XXXX BALANCE : {$550.00} 5. XXXX XXXX ACCOUNT # : XXXX BALANCE : {$3700.00} 6. XXXX XXXX ACCOUNT # : XXXX BALANCE : {$3600.00} 7. XXXX  - XXXX BALANCE : {$1400.00} 8. XXXX - XXXX BALANCE : {$3500.00} The following inquiry needs to be deleted and removed immediately because I did not authorize it : 1. XXXX  XXXX  XX/XX/2019

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 2020-07-06 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company response to consumer: Closed with explanation