vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Yesterday I reviewed a copy of my credit report and I saw some unauthorized credit inquiries on me. Also, I am requesting an updated copy of 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 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted  from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this  matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1991 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello, Today XX/XX/XXXX, I visited Wells Fargo bank in XXXX, NJ XXXX XXXX XXXX XXXX. Arrived at XXXX, called previous day to advise them will be visiting to withdrawal said amount of XXXX from Trust account. Spoke to a XXXX XXXX, who related message to another gentleman at branch. At branch, when finally made my way to teller, after Id, and Bank card given, first dispute was my signature on withdrawal sheet, was told that was an issue, when it is clearly shows on prior withdrawal sheets how I print/sign my name. After that was cleared, all was going well but, before I can get my withdrawal funds was told I need to write or say my Social Security number. Which I stated is on file and and I am not in agreement or comfortable with saying or displaying it. I stated all information was given when Trust was open, I offered to given any additional information on trust to clarify, but was told no, that I had to give Social Security number in order for release of funds. This was discussed about through Branch manager XXXX XXXX and staffs of 2 other females and 1 other male behind counter. As on Social Security guidelines, XXXX XXXX, Section 7 of Public Law 93-579 ( aXI ) ,18 USC Sec. 242 and 42 USC Sec. 1983, 42 USC See, 408. 31 CFR s.s 1.32. And quite a few others that I should not have to express, being its a Bank. 
It is not mandatory to show SS card again to with draw your own funds from account regardless of amount, All necessary information was given during opening of account. SS card is not a form of ID, anyone can say or write a SS on a paper. To end visit at XXXX. 
I request your federal guidelines to be shown and expressed as stated by your Branch Manager, in regards to this matter, were it is " mandatory '' to be given, in order for funds to be released. 
Again, 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 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My Navy Federal account was fraud so i called the bank and they did an investigation and gave me my money back for that fraud but they sent me the money twice to my account and now they want me to pay out of my pockets for something i didnt do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: IL

Complaint narrative:
Car loan that is on my report has nothing to do with me at all. This is fraud on what is going on m report. I disputed these charges so many time and no one has done anything to take this car payment loan amount off my report. I never cosigned for the car loan that is on my report and I never cosigned for anything else, so this should never had been on my report. I don't understand why my score is always lowing when in my whole entire life I never had my credit always lose points so much like it has been. Someone really needs to investigate better on these reports when a dispute is amended. One of my reports has showed a high score for me. So I don't understand why these other 2 reports are showing false  accounts on my report. 


XXXX 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 2020-09-29 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. MY CREDIT HISTORY IS NOW IN A HORRIBLE STATE BECAUSE OF THIS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSSIBLE.

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 2020-09-29 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. MY CREDIT HISTORY IS NOW IN A HORRIBLE STATE BECAUSE OF THIS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The debt is from Wells Fargo that claims I took a student loan out with them back in XXXX. I have never done business with Wells Fargo after closing my account in XXXX. This is a revolving issue that gets sent from debt collector to debt collector. The debt is not mine, nor has any ever provided any information that shows the debt is mine and is a real debt owed by 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 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have already filed a complaint # XXXX with cfpb about Wells Fargo home mortgage. I have received letters from three big VPs in WF with generic letters XXXX XXXX XXXX - Home Mortgage XXXX XXXX XXXX - Home Mortgage XXXX XXXX - Home Lending Basically stating we can't help you. 

Here was the issue one more time ...

I made the stupid and foolish mistake of taking covid relief option for the home mortgage loan for 3 months ( XXXX, XXXX and XX/XX/2020 ). My loan # XXXX before the arrangement was {$170000.00} now it changed to {$180000.00}. Plus instead of differing me for 3 months they differed me for 4 months even though I informed them that three months all I needed. I made the payment for XX/XX/2020. But WF didn't help.

Worse of all and not knowing that WF reports on monthly basis all customers banking activities to consumer credit reporting agencies. Although, I was assured by the government that going on deferment with your bank will not impact my credit report negatively nor any information will be shared. It was opposite of all. My credit report was negatively impacted as WF reported my differements and was DENIED refinance mortgage loan. Currently, WF charging me haffty 4.25 % interest while I can get under 3 % a new mortgage loan. I have been a 25 plus years customer of WF and they treated my like XXXX. 

WF is a very large and greedy organization. Their leaders don't know what's happening to their customers. I am disappointed on their response, services, lying on my credit report and failing to address or fix my issues.

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 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Phoenix Financial Services. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate  validation has been received proving that the accounts belong to me and all information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
My lease with Hyundai Motor Finance was returned on time on XX/XX/2020 and a confirmation including an apology letter was mailed to me by XXXX. However on XX/XX/2020 HMFUSA reported a 30 and a 60 day late payment resulting in a serious decline of about 100 points on my score. After calling them they confirmed that it was a mistake on their end and advised me that someone should fix this within 7 days. I also opened a dispute with XXXX  on XX/XX/2020. Until today XXXX  has not been updated from HMFUSA.

I started a refinance for my home on XX/XX/2020 and it turns out that I am unable to get the lowest APR due to a low score of XXXX as this time. However as confirmed by multiple loan officers that if my score was more than XXXX I would qualify for the top tier and would save more than {$10000.00} on closing cost plus about 0.7 % lower APR than offered. My score on XXXX  is XXXX as of today because there is no delinquency reported on it, but unfortunately Mortgage companies look at middle number which is XXXX as of today which does not qualify me for top tier. 

I have lost my sleep, my appetite over this. I have called XXXX 4 times so far, crying in front of them but they don't seem to care. 

Please help 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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: NC

Complaint narrative:
I recently sent a letter to CoreLogic requesting that they place a security freeze on my CoreLogic credit report they sent me a letter back essentially saying that they are the affiliate of purchaser report data gave by the XXXX  XXXX XXXX announcing organizations. So accordingly they couldn't put a stop on my CoreLogic credit report. Yet, I realize they play security freezes since I set a security freeze with them commonly previously.

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I submitted a payment through Homedepot.com for my monthly balance. The due date was XX/XX/10 and the amount {$65.00}. On XX/XX/XXXX I received a letter that the payment was rejected. I called to find out why the payment was rejected. The first XXXX said she could not help and I was transferred to customer servce. They said theyd issue a credit for late charges but could not tell why it was rejected but I should speak with my Bank. I phoned my Bank, they had no record of an attempted payment. On XXXX I received another letter further explaining why the payment was rejected. I was asked to validate the routing and account number. This is an old routing and account that had been removed years ago from the account. I wrote to Home Depot online as my experience on the phone was unhelpful. After At least five or more back and forth where I was provided canned emails with no explanation I was told these could not be done in writing and Id have to call. I will not call and go through that experience again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29 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: Receivable Solutions, Inc.
State: SC

Complaint narrative:
XX/XX/2019 I began repairing my credit while doing so I found many inaccurate accounts listed from XXXX XXXX. I contacted all three credit bureaus to dispute the items that were listed that had been sent to Receivable Solutions and Receivable Management, the item came back verified from XXXX  which I new was correct I then reached back out to XXXX XXXX to have them send me over proof that the items were mine which resulted in them finding that the accounts in fact did not belong to me. I contacted the collection agency to request that the items be removed and nothing has happened. I have also contacted XXXX  to have several disputes done and again nothing has been removed. I have been denied credit due to these situation and would like to have it corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear XXXX, I found your email on site as I can not get anyone on the phone or XXXX  chat. 

I am writing for assistance with a mistake my husband made paying my card ( old account ). This happened back several years ago Case XXXX, for which I have attached the resolution letter. 

In essence, my husband who pays our bills, pays them online, and posted the payment due on my account to a closed account of ours, another BOA account, totally by mistake. 

I contacted BOA when I received notice the bill was late. I told them it was paid, according to my husband. BOA found that it had been posted, yet to an old, closed account, instead of mine. 

They fixed it and posted to mine. 

However, it has been reported on my credit bureau accounts, all 3, as a delinquency and continues to be reported as such. It really is misrepresenting the situation. 

I was in contact with BOA during the time that this mistake was being researched and they assured me that they would address this issue with the credit bureaus, as I was very concerned about its impact upon me. 

Here I am, nearly 2.5 years later learning it is still out there being reported as a delinquency. 

I am therefore appealing to you for assistance and asking AGAIN for a goodwill adjustment, and having it taken off my credit report. 

If you can not help, can you please provide me assistance with how I can contact someone who can? I am a good customer. 

Attachment : BOA letter Sincerely, XXXX 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 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Merchants & Professional. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation