vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My husband I have a mortgage with Wells Fargo. We got behind on our mortgage in XXXX but made a payment to catch every month up in XXXX, XXXX except one month ( XX/XX/XXXX payment ), This happened right before our home loan went into deferment in XX/XX/XXXX due to a XXXX XXXX hardship. I made the XX/XX/XXXX payment in XXXX, XXXX. We currently owe nothing on our home loan with Wells Fargo for months prior to the date Wells Fargo granted a deferment ( XX/XX/XXXX ). However Wells Fargo has the loan reported as delinquent at XXXX days late on my credit report. Actually they have reported XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX as not current and then nothing is reported after that. So when reviewing my credit report it shows the loan as not current and sitting at XXXX days late. I reviewed the credit laws surrounding the CARES Act and it states if the loan is made current during the deferment then the mortgage company must report this to the credit bureaus. I disputed it with XXXX and they investigated and did nothing. They would change nothing on my credit report. We are currently going through a loan modification process with Wells Fargo so the loan is not delinquent and should not be reported as such on my credit report. I am asking your agency to investigate this issue and make Wells Fargo report my mortgage loan correctly as required by the CARES Act. Their actions have damaged my credit and I can not qualify for a loan with any business at this time. It has been this way for over a year now.

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 2022-01-21 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: NY

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$380.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX XX/XX/XXXX {$630.00}, XXXX XXXXXXXX XXXX XX/XX/XXXX {$3700.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
I had XXXX back in XX/XX/2021 and I was out of work for 2 weeks because I was so XXXX. I was concerned about making that months payment ( since I did not have sick time left and my company did not offer any XXXX payments for being out XXXX ), so I called Flagstar bank and asked about a forbearance. I only wanted to skip that one months payment but they told me that the standard forbearance is 3 months but I could call anytime to start making payments. So far I have called 3 times to start making my payments and every time I am told that the paperwork is taking longer than expected to complete and that I can't continue making payments until I get this paperwork. Meanwhile, my past payment balance is up to {$15000.00} and there is no way I can come up with that amount all at once. I want to be able to at least make my regular payments while this so-called paperwork is being worked out to settle the past due amount. The website shows that this has been processing since XXXX. I am convinced they are doing this on purpose so that I lose the house. Please help!

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted over and over again to cancel my experience membership. However Experian makes it incredible difficult to do so. I logged on to cancel with no option to cancel ( as shown in photo ). I called in to cancel and the call disconnects itself over and over because I dont want to immediately input my social security as the first thing when Experian automated voice services requires you to do. Even if it allows you to continue to options after skipping, it still requires you to input this information before getting an agent or else it disconnects. 

Where is the option to cancel? I have to update my credit card to be charged or be denied access to my the most basic free membership. This should be illegal. You are forcing people to have a subscription they dont want.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Reported by XXXX, Transunion, and XXXX, I have numerous old student loans that should have been removed from account going back to XXXX I still have an old student loan on my credit report even though all of my loans were forgiven through the XXXX discharge program which Biden approved. My loans are being turned over to other account holders, and credit bureaus continue to resubmit them as if they are still active, closed, transferred, and delinquent. This is harming my credit score and have been for years. These loans should have been removed, but because they sell off to another account holder, the credit bureau engages in unfair reporting by renewing the date, thus adding it back onto my report. I have already contacted the credit bureau, and they refuse to delete these items. I also checked and they are still reporting old information about the discharges, and have not removed all of my loans. I recently received a XXXX point reduction because the credit bureau reported an electric bill as owed. The credit bureau is engaging in unfair practices buy relisting old debts that are paid, and i request them to remove them, and still they do not. Debts that were resolved, are still appearing on my report. I would like to have this investigated, and if possible look into if I can sue the credit bureau.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Reported by XXXX, XXXX, and Equifax, I have numerous old student loans that should have been removed from account going back to XXXX. I still have an old student loan on my credit report even though all of my loans were forgiven through the XXXX discharge program which Biden approved. My loans are being turned over to other account holders, and credit bureaus continue to resubmit them as if they are still active, closed, transferred, and delinquent. This is harming my credit score and have been for years. These loans should have been removed, but because they sell off to another account holder, the credit bureau engages in unfair reporting by renewing the date, thus adding it back onto my report. I have already contacted the credit bureau, and they refuse to delete these items. I also checked and they are still reporting old information about the discharges, and have not removed all of my loans. I recently received a XXXX point reduction because the credit bureau reported an electric bill as owed. The credit bureau is engaging in unfair practices buy relisting old debts that are paid, and i request them to remove them, and still they do not. Debts that were resolved, are still appearing on my report. I would like to have this investigated, and if possible look into if I can sue the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: LA

Complaint narrative:
I have been contacting the company for over a year. They keep updated my account, however, nothing has changed. I have requested a method of verification and its been about 2 months and they have not responded. 

In addition, The following account was charged off as of ( XXXX XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. I have remind them this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : Accounts Name - 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 2022-01-21 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I need to have XXXX items remove from XXXX, XXXX, and XXXX account. 

I do not know how the XXXX items are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please investigate this record on my account. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 
Bankruptcy - XXXX XXXX XXXX Date Filed XX/XX/2014 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX, 2022 : -Experian is not accessible to process my request to temporarily remove its credit freeze. 

-I fill in all pertinent PII ( including PIN ) at https : //www.experian.com/freeze/center.html and this Experian web site returns error ( " We are unable to process your request. If you would like further assistance in removing your Freeze, please contact us at XXXX '' ) -Experian fails to provide a working phone number ( XXXX is non-responsive to request to temporarily remove credit freeze ) -Experian corporate numbers ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) are non responsive to request to temporarily remove its credit freeze. 

Experian inability to process my request to temporarily remove its credit freeze violates the Fair Credit Reporting Act ( 15 U.S. Code 1681c1 ).

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 2022-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I received a call from, Ability Recovery Services, reciting incorrect info. They asked for me to verify the last 2 digits of my social. They stated that the numbers were " XXXX  '' which is incorrect. So I explained to them once again, that they are to delete this account from my credit report due to incorrect information. They then proceeded to state that the debt was for someone by the name of " XXXX ''. I do not know anyone by the name XXXX. I am not XXXX. I asked the supervisor I was speaking with how someone could absorb another 's debt as such. He stated that it could be a relative or child. I have two daughters neither of which are named XXXX. I also explained that this was another reason to remove this account completely, also that I need an email stating that they will remove it from my credit report. The response I was given was, '' We don't have the ability to do that ''. This is not the first call I've had with them in regards to this so called account. I have been hung up on before and left on hold for hours just for them to hang up. I advised them that I would be making a complaint against them in regards to this matter. The account number I was given is, # XXXX. According to XXXX ( the manager I spoke with ), there is two accounts attached to that number I was given. Both of which have the wrong social security number. XXXX is their contact number. As of writing this email I am yet to receive a dispute email from Ability Recovery Services, as promised by the manager.

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 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
FALSE ADVERTISING.. THERE ARE ADS ON XXXX ABOUT EITHER GOVERNMENT SIMULUS CHECK RECIEVES XXXX + OR - US RELIEF FROM THE GOVERNMENT. THIS IS A SCAM THIS IS MORTGAGE COMPANY 'S WANTING YOU TO REFINANCE!!! YOU HAVE RESPONSIBLE TO STOP IS FALSE ADVERTISING THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
On XX/XX/2022 - we were fraudulently led to believe XXXX XXXX contacted us regarding a fraud, which in turn frauded us out of XXXX from a checking account using the Zelle payment system. I contacted Zelle and reported the fraud the case # is here : Zelle Case # XXXX on XX/XX/2022. XXXX XXXX will not cover the loss through Regulation E, so Zelle must be the one who needs to cover the loss under Regulation EXXXX We would like Zelle to cover the loss under Regulation E. I was told that Zelle or XXXX tried to recover the funds from XXXX XXXX ( apparently where the money went ) and was given this # as a claim XXXX - Which institution has to abide by Regulation E? I would like Zelle to pay since XXXX is not paying and covering this fraudulent loss. It is not the consumers fault that the app is so loose. We have never used a Zelle app before this fraud day. XXXX XXXX XXXX and XXXX XXXX - XXXX account ending XXXX. Previous complaint to CFPB for XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Re : XXXX XXXX Account # XXXX/Capital One Bank This is in regards to a credit card charge made on my account for {$1000.00} on XX/XX/2022 without my permission in XXXX, AR XXXX. I have no idea who made this charge and I do not want this to impact my credit. I have contacted XXXX XXXX and they closed my account but they gave me an explanation that the charge would have to post than reversed. I would like to know why? I never purchased the items. I am a senior citizen and I do not need this type of stress based on not reversing the charge right away. 
XXXX XXXX needs to do an investigation on this issue. 
Phone # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Good afternoon, My name is XXXX XXXX. I am receiving constant emails from a XXXX XXXX constantly harassing me over a debt they say i owe to Ace Cash Express. I have called the company and they say that i do not owe any debt. I have received SEVERAL threatening emails from XXXX and his associates regarding this debt. They are using abusive language and threatening jail time. I have explained that this debt is not owed according to the confirmation number i received from Ace. # XXXX. 

Please help me clarify if i still need to pay this already settled debt as i am having severe mental distress over this situation. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: FL

Complaint narrative:
Please investigate this record on my account. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 
Bankruptcy - Reference Number XXXX Date Filed XX/XX/2014 2014

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 2022-01-21 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: NY

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XX/XX/XXXX {$380.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$2300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX  XXXX XXXX XX/XX/XXXX {$3700.00}, XXXX XXXX XXXX - {$360.00}. Inquiries : XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief