vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 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: IN

Complaint narrative:
XX/XX/2019 Experian XXXX XXXX XXXX XXXX, Texas XXXX To Whom It May Concern, On XX/XX//2019 I  requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2019 your agency responded to complaint submitted to the CFPB ( Complaint # XXXX ) stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. I have sent multiple request to XXXX for validation of debt, they have yet to validate this debt by showing my an instrument of indebtedness.

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XXXX2019. 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ),  you were required to forward all of the relevant information I provided you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report illegally. 
XXXX Loans : XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

I DO NOT BELIEVE AN INVESTIGATION WAS DONE. I DO NOT BELIEVE EXPERIAN APPORPIATELY APPLIED MY EVIDENCE AS REQUIRED BY THE FCRA. I DEMAND TO SEE A CONTRACT/ INSTRURMENT OF INDEBTEDNESS BEARING MY SIGNATURE. I DEMAND TO SEE DOCUMENTATION EXPERIAN USED TO VERIFY THIS ACCOUNT AND TO KEEP THIS ON MY REPORT WHILE IGNORING MY SUBMITTED EVIDENCE.

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 2019-03-19 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: TX

Complaint narrative:
XXXX is reporting me 90 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX are reporting me 120 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: CA

Complaint narrative:
This is not a redundant or repeat complaint. 

XXXX refuses to provided information : ID verification, application information for a loan that they claim I applied for in XX/XX/2013. 

They do not respond to phone calls and there is no way to get through to them to handle this issue. 

I am including yet another police report that I had to refile as the previous was sent to them years ago. 

There is no way to contact this company and the phone number listed in their responses goes unanswered. 

They have listed multiple amounts due for a loan not owed. The bank drafts were disputed and refunded by my bank. This has been an issue for 6 years and the company refuses to address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: CA

Complaint narrative:
This is not a redundant or repeat complaint. 

XXXX refuses to provided information : ID verification, application information for a loan that they claim I applied for in 2013. 

They do not respond to phone calls and there is no way to get through to them to handle this issue. 

I am including yet another police report that I had to refile as the previous was sent to them years ago. 

There is no way to contact this company and the phone number listed in their responses goes unanswered. 

They have listed multiple amounts due for a loan not owed. The bank drafts were disputed and refunded by my bank. This has been an issue for 6 years and the company refuses to address it.

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 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Received a call from XXXX at XXXX XXXX advising this is their last attempt to reach me regarding an account in 2007 with Wells Fargo. Advised XXXX at XXXX that I do not know what he is talking about and that I will contact Wells Fargo to discuss further. Contacted Wells Fargo and spoke with a nice representative named XXXX. XXXX advised any accounts that old would not be valid anymore and if the amount was less than {$5000.00} they would not proceed. XXXX advised this seems like a scam and they are trying to get money ( scam/fraud ). XXXX word for word advised how scams like this go. Same exact explanation from XXXX at XXXX. XXXX refuses to provide me with any documentation regarding this account and advised he will be sending a process server out to serve me with court documents.

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 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
XXXX and I had worked out a payment arrangement due to divorce and I was not living at the residence at the time the phone was being used and bill was getting over limit ( s ). 
Contacted FCC, XX/XX/2019, regarding matter about them not turning on my phone after I had already paid over {$150.00}. Complaint sent to FCC in XXXX. 
Fee responded, etc. XXXX explained I would not be able to have phone turned on until I " applied '' again and I would incur a fee due to past history. 
XX/XX/2019 received a call from Eastern Account Service, LLc asking if I was XXXX XXXX, I stated yes, ( they called private cell # ), they explained who they were and asked me to give them personal information. I said not going to do this, and send written notification to my address. They asked me to verify my address. I also refused. 

XX/XX/2019, I have Eastern account listed on my credit report. I HAVE NEVER RECEIVED ANYTHIGN FROM THEM. I am paying XXXX {$25.00} each pay check and paid them in XX/XX/2019, My bill owedis {$50.00}. 

I have sent complaint to FCC as well for fraudulent collection practices. After contacting a law firm that is suing Eastern for this very type of practice. 

On XX/XX/XXXX, I called XXXX  to file complaint. At XXXX that afternoon, my mail had a letter from Eastern stating that they had sent me something 30 days ago and I FAILED TO RESPOND. 

I AM DIVORCED, I HAVE BAD DETS DUE TO THIS divorce. I am diligent about my outstanding debts, etc. I have a payment arrangement with XXXX. I am contacting an attorney to sue both XXXX and Eastern for bad faith on XXXX and fraudulence on Eastern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I already have a dispute reference number, I just want to track it. It is XXXX We are buying a winter home in Arizona but my job is in Indiana until I retire. My husband who is retired will be living between Arizona and Indiana but I will live in Indiana until I retire. We have our home in Indiana up for sale so I had placed a deposit on an apartment and to my amazement found out on XX/XX/XXXX that I had been declined because of 4 eviction notices filed in the XXXX courts on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that showed up on Transunion rental screening service. After hours on the phone I found out that the eviction notices were filed by XXXX XXXX XXXX managing XXXX XXXX XXXX  in XXXX Arizona. I have never lived in those apartments and have only rented one apartment back in XXXX. We owned our home in XXXX CO from XXXX-XXXX and then bought a home in Indiana. I worked full time in XXXX CO so someone either stole my identity or a number was transposed. But these eviction notices are for XXXX and XXXX XXXX not myself or my husband who is XXXX XXXX. I need these removed as they are preventing me from renting in Indiana. I have never been evicted in my life as I have always owned a home other than the few months I rented back in XXXX and that was because our home in XXXX XXXX was a 2 hour commute to my job at the XXXX in 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 2019-03-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax will not/refuses to update remark as stated/dictated. Proof can be provided that it was paid. It was provided over the phone and thru thru an online dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I attempted to rent a vacation home over the 2018  holiday season in XXXX XXXX California. The home was listed on XXXX and ended up being a scam. Unfortunately the police couldn't help and also let us know that this was becoming a problem. The person that I was dealing with had a legitimate bank account with Capital One Bank. I attempted to verify this person in one of Capital One 's Bank branches but they only have teller machines and no actual live bank representatives to verify anything. This individual had a bank account that was verified by Capital One Bank who enabled this person to not only use the bank for fraudulent activity which I would call wire fraud across state lines or possibly international. Capital One Bank declined to do investigate at all and rejected XXXX XXXX ( my bank 's ) request for return of funds based on fraud. See attached letter which included everything. Also, a police report is available as well. Capital One Bank takes no responsibility and is enabling this criminal behavior to persist. I have not way to talk to them and find a resolution. They refuse to acknowledge the problem and just direct me to their website which is designed to deflect any blame or ownership. The police are helpless as well and have no authority on this type of crime. People are using these banks to conduct fraud at a rapid rate and the banks are a party to the crime. we need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: NC

Complaint narrative:
A few months ago I was checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC As require by FCRA sect. 605 ( b ) any information reported as fraudulent should be removed from the consumer credit file in 4 days. Please remove all none accounts holding inquiries and send my a copy of updated 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 2019-03-19 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: NC

Complaint narrative:
A few months ago I was checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC As require by FCRA sect. 605 ( b ) any information reported as fraudulent should be removed from the consumer credit file in 4 days. Please remove all none accounts holding inquiries and send my a copy of updated 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 non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting me 90 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are reporting me 120 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is hurting my credit score.

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 2019-03-19 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
CONSUMER ENFORCEMENT ACTION As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11.  Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy CONVERGENT OUTSOURCING and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under 1692k.

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 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have called XXXX XXXX on multiple occasions and they are always telling me that they cant pull up any information about a account for me..This account was fully settled but reports getting XXXX around by everyone who was involved with this account.It seems that none of the credit bureaus are doing a proper investigation on this account because every time I call XXXX XXXX   they cant even pull up an account for me.My disputes are always coming back as VERIFIED but by whom because all I get from XXXX XXXX is I cant pull up the account. Somebody somewhere is not doing their JOB correctly and I have had enough of the XXXX THIS IS AN ACCOUNT THAT I PUT UP MY OWN MONEY TO OPEN AND MY CREDIT REPORT IS BEING RUINED BECAUSE EVERYONE INVOLVED SEEMS TO JUST DONT CARE..

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 2019-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
To all parties connected to this fraudulent mortgage loan origination matter. I have been misrepresented by the lender from Fifth Third Bank and the FHA appraiser from XXXX who Fifth Third Bank Mortgage department hired for both FHA appraisals. Fifth Third Bank Mortgage department intentionally submitted the wrong appraisal calling it an error. Why Im certain of this matter is because its protocol within the guidelines to submit the lower appraisal. The property that was purchased in question was a flipped property that required two FHA appraisals due to the property being put on the market within 91 days after the recorded deed date from the previous owner. The FHA appraisal overlooked the safety and the condition of the home. After receiving the clear to close endorsed by the underwriter DE from Fifth Third Bank Mortgage Department. On the day of closing I took possession of the property unknowingly, that the FHA guidelines wasnt met due to the safety and conditions of the home. Although, the report stated differently this home has multiple deficiencies that conflict with FHA guidelines. In concluding, these impairments to the property in question were not disclosed in any of the reports. My personal private inspection came back with 21 deficiencies conflicting with Fifth Third Bank 45 days prior. Due to these circumstances I feel my rights have been violated under the lender liability law and program guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My previous loan servicing company Ditech had my loan ( XXXX ) and they were receiving the payments automatically by XXXX XXXX ( biweekly mortgage program ). Ditech sold the loan to XXXX in XX/XX/2018. Ditech then forwarded the XXXX payment to XXXX But on XXXX they kept thenpayment and did not forward the payment. XXXX has confirmed that they received XXXX payment but NOT XXXX. Ditech refuses to assist my husband and I. Due to this issue we were not able to refinance our FHA loan to a VA loan like we were hoping to do so since my husband is a XXXX veteran who is not getting any better per Veterans affairs. So to help our family I started the process to refinance and all this has come to light. Both companies are pointing fingers at each other now {$1900.00} has gone missing because they took the money from our account. Ditech claims they received it but forwarded it to XXXX XXXX and XXXX has confirmed they never received it. Ditech will not provide any proof that they sent it and hung up on my husband and I today.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation