vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
MY NAME IS CHIEF XXXX XXXX RETIRED US XXXX. I HAVE A WELLS FARGO CREDIT CARD ( ACCOUNT ENDS IN XXXX ) I PAID OFF THIS CREDIT CARD IN FULL IN THE AMOUNT OF {$4800.00} ON TIME AND SOMEHOW THE ACCOUNT WAS CLOSED WHEN I CALLED WELLS FARGO TO INQUIRE ABOUT THIS THEY COULD NOT WAIT TO OPEN UP THE ACCOUNT BUT REFUSED TO ALLOW THE " EARNED '' REWARDS TO STAY WITH THE ACCOUNT??? PULLING BACK MY EARNED REWARDS FOR PAYING OFF A {$5000.00} CREDIT CARD IS NOT ONLY NOT HONEST, ETHICAL OR FAIR, IT DOESN'T MAKE ANY SENSE TO ME. REWARDS SHOULD STAY WITH THE RESPECTIVE ACCOUNT NOT BE YANKED BACK MEANING WELLS FARGO MIGHT HAVE TO PAY THE REWARDS ACCORDINGLY I WOULD LIKE TO REQUEST THE ASSISTANCE OF CFPB TO VERIFY THIS SITUATION AND ASSIST ME IN OBTAINING MY " EARNED '' REWARDS FROM WELLS FARGO BANK. ( REWARDS FROM WELLS FARGO ARE NOT FREE OR GIVEN THEY ARE EARNED AND SHOULD STAY WITH THE RESPECTIVE ACCOUNT FOR THE CARDHOLDER TO USE AS THEY SEE FIT ) ... THANK YOU FOR YOUR HELP AND ASSISTANCE. RESPECTFULLY, XXXX  XXXX XXXX XXXX RETIRED

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 2021-04-10 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:
There are creditors on my credit report that is listed that do not belong to me. This is the second request to have them removed. Please remove them immediately. 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 non-monetary relief
Consumer complaint received 2021-04-10 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:
There are two accounts in collections that appeared only on my Equifax report XX/XX/2021. I have verified that neither is my account. One is a power company in New York, where I have never lived or established utilities. The other is for XXXX XXXX XXXXXXXX authority. I have never lived or driven in Texas. 

I confirmed with both companies that they have no accounts in my name either last or present. The tollway collection is under a XXXX XXXX, very similar to my name, but obviously not me. 

The debt collectors say they are unable to provide a letter showing I have no accounts or balances due with them, because they are not my accounts. They suggested Equifax may have reported incorrectly. Equifax is claiming they need letters from them to fix the reporting and that there is nothing they can do. Seems to me to be an Equifax problem since 2 incorrect accounts appeared the same day and only on Equifax report. 

Im in the middle of a mortgage process, this error is going to keep me from closing and is egregious on Equifaxs side. They have the power to literally destroy someones financial future with their mistakes. 

Please help me rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: MN

Complaint narrative:
On XX/XX/XXXX, my wife tried reaching out to Equifax to remove a freeze we placed on her credit from when they mishandled our information and they were hacked in XXXX. 

When we called the consumer line, the auto verification process wont allow her to get through. We tried 5 times ... each taking many minutes, and getting the we cant immediately verify your information. Please complete this request online. 

Great ... so we go online and go to set up an online account. It states weve created an account previously and to recover it. 

Then when we try recovering, it states There is not account matching this information - please call in To get an agent on the phone it is required that you pass their auto verification check. 

So I go through the process with my information. I finally get through to an agent. I tell him the issues were having. 
His XXXX is absolutely terrible and I have to explain my issue many different ways. 

He responds thats a common issue were seeing with the online accounts. Im going to transfer you. 

He doesnt transfer me. He puts us back in the queue. We have to go through it again and start over. 

This time when I try to auto verify my information, it says that we cant process the request and would need to complete it via mail or fax. 

When I go to the equifax site, there is no place to complete the process that way or find any forms. It simply tries to get us to register for an account, putting me back in the same loop. 

It is absolutely astounding that such an incompetent agency is in charge of the credit for millions of us. 

They messed up with mishandling our information, and for some reason were unable to make any progress when reaching out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Freedom Mortgage company is my lender for my home. They reached out to me in XXXX XXXXto offer a refinancing proposal. I accepted the option for a lower rate. I disclosed that I had a bankruptcy. They got back to me and shared that I was eligible for the refinancing. 
I contacted my bankruptcy attorney and got approval from the court on the refinancing and provided the documents to Freedom Mortgage. They called me on several occasions with statements that it was in process over the last XXXX months. They then stated that if it goes to end of XXXX I will be charged a fee. I am very concerned that this company does not have the appropriate staff providing accurate information. I dont know who to officially turn to. 
Account loan 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 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
Account was blocked wit the zelle app till I Confirm more Information but I have double checked all my info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: MN

Complaint narrative:
There are creditors on my credit report that is listed that do not belong to me. This is the second request to have them removed. Please remove them immediately. 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 2021-04-10 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:
There are creditors on my credit report that is listed that do not belong to me. This is the second request to have them removed. Please remove them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I the federally protected consumer entered a consumer credit transaction with Bridgecrest in regards to my vehicle being used for personal and household use. As Bridgcrest is the EXTENTION of my credit extended back to me ORIGINAL CREDITOR. They provided me with a copy view contract, not even the original contract. I got the contract and went through it and came to an understanding that Bridgecrest violated me in multiple ways. I was never provided with the disclosure of my right to rescind the consumer credit transaction. Outside the finance charge, which is the sum of all charges there should not be any other charges and my insurance premium should of been included and it wasn't. Bridgecrest is not suppose to use any symbols in the contents used by the mail indicating they are in the debt collection business. Bridgecrest can not advise a consumer they owe a debt. Bridgecrest is consistently using XXXX name throughout the contract and I don't have a contract with them, I reached out them previously before reaching out to Bridgecrest. Bridgecrest is creating unlawful forms to create false belief in a natural person owing an alleged debt when it was a consumer credit transaction. The alleged debt shows in a positive balance. Bridgecrest is using XXXX location information when I don't have a contract with XXXX. Bridgecrest received consideration at the start of the consumer credit transaction using my social security card. Bridgecrest is using obscene language advising of repossession and and taking back my vehicle which there is no way Bridgecrest the company or any uninterested 3rd party can steal from a consumer. Bridgecrest used profane and threatening language by advising me the consumer to pay for a lawsuit for a fraud contract. Bridgecrest is using XXXX name as if they are collecting the debt when I don't have a contract with XXXX. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to Truth and Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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:
Their are credit items listed on my credit report. This is a second request to have them removed. 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 non-monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
XXXX, XXXX, XXXX, and XXXX payments were late due to XXXX pandemic and job loss. After asking what could be done to adjust payment, make exceptions, or offer assistance, the company offered deferment however, late payments would still be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: MO

Complaint narrative:
Judgement was entered on XX/XX/XXXX. 
Now have another summons for court to revive this judgement. Sent on XX/XX/XXXX This should be time barred debt. 
Missouri statues of limitations is 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: MN

Complaint narrative:
Their are credit items listed on my credit report. This is a second request to have them removed. 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 2021-04-10 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:
Their are credit items listed on my credit report. This is a second request to have them removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received an alert today someone tried to open up a Citibank Best Buy credit card in my name on XX/XX/2021.

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 2021-04-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax XXXX XXXX XXXX  Account XXXX XXXX Amount {$0.00} This account is showing on my credit report incorrect and inaccurate with Equifax . This account was open in 2014 and paid/close in 2014. I have sent certified letters to Equifax 3 times to remove this account due to inaccurate information and to provide me with proof. They continues to update this account and say it has been verified, but yet to provided me with any documentation. I have also provided Equifax with screenshot of my credit report and highlighting each individual line item with comment that was incorrect, in which I would provide the screenshot in this email also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: PA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent dispute letter regarding certain collections and I have yet to receive and documentation regarding these accounts. They have failed to provide proof in a timely fashion allowed by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
I have sent my mortgage company 3 documented inquiries about eliminating the PMI from my monthly payment, as my loan to value is under 80 % now. It has been a month since I sent the first one, and have received no response other than this : " Thank you for contacting us! Your inquiry has been forwarded to the team of specialists experienced in resolving your issue. Our hours of operation are from Monday-Friday, XXXX XXXX.- XXXX XXXX Eastern time. We will provide you a response as quickly as possible. 
Sincerely, Customer Communications Department NMLS ID XXXX '' The mortgage company is Lakeview Loan Servicing , LLC

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 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In my prior complaint XXXX I specifically mention a PERSONAL CHECKING ACCOUNT APPLICATION document including describing the machine markings on its face, all of which was transacted by the Branch Manager XXXX XXXX inside the locked branch center. 

In that prior complaint, the Truist response by XXXX XXXX amounts to falsehood, misrepresentation, and blatant lying. That same gibberish XXXX XXXX wrote twice previously. 

My complaint represents a very simple set of allegations -- - a crime involving an alleged forgery occurred. I applied for one account = PERSONAL CHECKING ACCOUNT APPLICATION was signed an TELLER SIGNATURE CARD was signed. 
-- - I learned about an unauthorized credit relation and raised objection at which point in time BRANCH MANAGER XXXX XXXX resisted any legitimate outcome so LIAR XXXX was engaged at the Truist Corporate Campus to write falsehoods and closed my complaint without resolving anything. XXXX XXXX refused to delete that fraudulently obtained credit relation from my credit report ; -- - I continued forward and objected to the continuing reporting of a fraudulently obtained credit relaiton. XXXX XXXX was forced to concede and eventually deleted that fraudulently obtained credit relation from my credit report ; -- - I continued forward demanding a copy of all documents and things whereupon XXXX XXXX spent the first 3-months withholding all documents and then eventually produced two documents consisting of an unathorized OVERDRAFT PROTECTION document I have never authorized nor did i sign that document. It appears to be some type of trace / forgery crime to achieve a credit relation I expressly declined at point of sale ; -- - Each step of the way XXXX  XXXX concocts false narrative and continues to parrot those same XXXX  over and over and over without legitimate basis in fact or in law ; -- - Despite contact with numerous Truist branch locations no one is empowered to open a PERSONAL CHECKING ACCOUNT unless the consumer signs and agrees to all terms and conditions set forth on that PERSONAL CHECKING ACCOUNT APPLICATION. According to XXXX  XXXX -- - there is no such document but that document does exist and proof is available to CFPB by suppoena XXXX XXXX and examination under oath against a senior Regulatory Compliance Officer is not going to risk their career, marriage, home, and reputation to support XXXX  XXXX. 
The Truist Corporate Campus has redundancy of their data backups offsite under the control of third-parties in shock proof climate control facilities. 

CFPB shall demand that document proof and prosecute the fraudsters, forgers, and cover-up liars.

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 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
A credit report XXXX  shows a a collections account with IC Systems for {$1600.00}. When I called them I was told it was a XXXX XXXX account in XXXX XXXX. 
The XXXX  report says the account was opened XX/XX/2020 with an account # XXXX. 
I have not lived or done business in LA and have not visited in over 10 years. The name on the account did not accurately match mine and the address is one that is not associated with my name in any way. 
I was part of the XXXX breach and have had considerable problems with ID theft since then and have had a credit freeze and monitoring in place. 
I never received a bill, invoice, or collection notice at my legal address. 
I am not personally responsible for this account

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 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: MN

Complaint narrative:
Last spring, I was suppose to have a wedding on XX/XX/XXXX. Due to the pandemic it was impossible to have the XXXX 
The governor ordered a stay at home band that started in XXXX and went past XX/XX/XXXX the day of the wedding. 
Due to not being able to have a wedding, I contacted our XXXX vendor XXXX XXXX XXXX to let them know. 
XXXX ( XXXX XXXX ) told me I still owed the full payment even without the service provided. Not only that if I didnt pay he threaten to add a 20 % penalty. 
XXXX the owner stated I would still owe the money in full and that I could use his service for whenever the wedding would be rescheduled. 
I told XXXX that I did not foresee when having the wedding would be due to the pandemic. 
As the date got closer on XXXX and XX/XX/XXXX XXXX bullied me via phone and email and told me he would sue or take legal action if I didnt pay even though he couldnt perform the service. Not only did he cause emotional stress on me during the pandemic of not being able to have a wedding, I was now being threatened to be sued. 
XXXX has now sent me to collection ( XX/XX/XXXX ) almost a year later. He is now going to ruin my credit on a collection he is trying to collect on for a service he did not perform. I believe XXXX owes me the {$300.00} deposit that was paid to him and he never offered to refund. 
Im extremely disappointed with how XXXX is using these abusive collection tactics during a pandemic. I had heard great things about his company prior to my experience with him. 
Im looking for your help and assistance to resolving this matter. 
Company info : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation