vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian currently reports accounts under the name XXXX XXXX  XXXX XXXX. Original creditor XXXX XXXX XXXX XXXX XXXX 

This account will reach it's statue of limitations of 5 years in XX/XX/XXXX in my residence states of Florida. Reason being, account was open XX/XX/XXXX. Under federal law this account must be deleted under FCRA rules. 
Please see explanation in attachment ; If account continues to report as accurate after XX/XX/XXXX Experian shall be held violation of federal law.

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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION
State: NM

Complaint narrative:
I had a mortgage with BBVA Compass and, in XXXX, the Escrow amount was changed. Due to the COVID lockdown, I did not receive notice of this change in a timely fashion because we were unexpectedly stuck in New Mexico and were not receiving mail from our California home. The monthly mortgage went out, as it did monthly, on XX/XX/2020 and, unbeknownst to me, was reversed on XX/XX/2020. I received NO notice of this reversal and it was subsequently reported as a " late '' payment. This very adversely affected my credit rating and has ultimately precluded us from refinancing our primary mortgage. The fact is, the payment was made ON TIME but was short due to the change in the escrow amount. This has caused a FALSE reporting to all of the credit agencies, causing a huge drop in my credit score ( which prior to this was above 800 ) and affecting the rates we are offered for refinancing. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB America account numbers XXXX, XXXX and XXXX collections have been paid and closed as of XX/XX/2020. I have new credit reports and USCB has failed to report that the accounts have been paid. Several attempts have been made to USCB and XXXX  credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo illegally put me into forbearance when I never requested it. I asked for information about the program but I never wanted to be in forbearance. The email they sent me said " Note : If you find that you dont need this short-term payment suspension, please continue to make your normal payments. '' At that point Wells Fargo refused to accept my payments because they put me into forbearance. 

6 months later I am still receive mail from Wells Fargo about my " request to end the suspension of payment '' and being told to call the collections department. My loan is currently due for 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 2020-09-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-09-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax does not allow me to log in. The reason is that the name they use on businesses to verify me is different from the name the businesses use themselves. Example : XXXX   presents themself to me as XXXX ( XXXX is an abbreviation for XXXX XXXX XXXX XXXX XXXX. 

For this reason I can not be verified. 

I have asked them for a verification that is not defective like this, but it is like talking to a wall. The operator and the supervisor can not 1. refresh the questions, 2. Verify me some other way, og 3. Fix the defective system. 

Please assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I sent 3 dispute letters to XXXX, Experian & XXXX  around XXXX to dispute a few items off my credit report. On XX/XX/2020, I received a letter from XXXX  only stating that the dispute does not currently appear on my report. 

I changed my legal name just started notified all agencies ( passport, social security, driver license, bank ) earlier of this year. Additionally, I have not borrowed any money or applied for any credit card ever for a long time. 

I am assuming since my social security and date of birth are remaining the same, the credit agencies will have access to the same information. ( isn't that the whole point of investigating?! ) At the end of the day, I am not sure the status of my dispute with these 3 agencies. Please advise. 

Thank you, 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 2020-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CO

Complaint narrative:
This company falsely repossessed my vehicle after Ive made my payments timely. They racked p additional charges and late fees and despite me making a payment to bring my account current within less than 30 days of delinquency they repossessed my vehicle. In order to get the vehicle back I had to pay over {$1200.00} in tow fees and processing fees. My husband lost his employment due to COVID and we are down to only 20 % of our normal income. We explained this to Westlake several times and yet they refused to work with us. The greed and inhuman acts of this company should close their doors for good so they cant take advantage of consumers. They are inflating interest, penaltys and fees to gain more profit and that is just simply wrong during these hard times. At this time I would like a full refund for vehicle. The damages caused by the tow company broke the alignment and caused additional damage to vehicle that we can not afford to fix. I would like a full refund of {$9600.00} for the amount Ive paid for the vehicle, plus repossession fees of {$1100.00} and additional penaltys of {$20000.00} In damages.

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 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX. A negative mark because the card was closed. I gave no such permission to close a card I never knew I had in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
Good Afternoon, I have received a collection notice from a company called ARSTART. I have made multiple reasonable attempt to make payment to these people however they do not provide any dates of service, any means of reasonable secure payment and also they do not provide any means of payment receipt. I have asked repeatedly for an email address so I can communicate with them in writing and they stated they do not provide any email addresses. This seems like a extortion for money. Upon further research there have been many lawsuits and investigations on this company with regard to medical fraud and also to extortion tactics on the elderly. 

Please let me know what other information you may need for me. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I have been making payments each and every month to PCS since XX/XX/2013 ( 7years ) I have not missed sending them a monthly payment, yet. 

Recently, they've decided they need to call me and email me asking where my payment is - ( it's already been sent - and the month is not over yet -but they call and email me ) I talked to them on the phone and they talk like i've not been making payments every single month for 7 long years. They act like i'm being difficult and not sending them anything, when i told her I haven't missed a month yet, why are you calling all the time now? She says i need to make a payment ( like i haven't been! ) - it's frustrating. I told the last caller to not call me anymore. So now they sent an email, which i can not reply to. I'm just annoyed. I don't need to be harassed when i'm sending you money each and every single month. I could understand if I haven't been good about making payments to them, but I have!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: TX

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my 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 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
Hi ERC ; I'm on the phone with the ERC representative XXXX XXXX Desk # XXXX and she said that the account was opened in XXXX Texas for XXXX and the remainder balance of {$1200.00}. First of all, I never lived outside of Massachusetts, and the variation of my name doesn't match what they have in the system. This error entered on my credit profile is costing me {$1000.00} 's of dollars because my credit score has dropped -87 points from 800 's into back in XXXX. I need this remove and any addresses associated with this fraudulent address. Again, this account doesn't belong to me and I need this permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
There is a fraudulent LVNV account reporting on my credit. I have sent in a police report, an FTC report and despite my assertation that this account is FRAUD, LVNV continues to report the account on my credit. This account DOESNT belong to me and I am requesting immediate removal of LVNV from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 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: CA

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-09-23 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: FL

Complaint narrative:
After reviewing my most recent annual credit report. I've noticed that experian is reporting inaccurate information on my consumer credit report. Collection item under the name ; XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX. 

Please see description in the attachment Account under the name XXXX XXXX XXXX has reported an inaccurate account without providing notification five business days prior to report in this account. A violation of federal law FCRA rules section 605b.

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 2020-09-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is refusing a welcome bonus for the XXXX  XXXX  despite me never holding the card, and my current AMEX products being in good standing and receiving a large portion of my spend ( nearly XXXX last year ). The reasoning they give me is inappropriate, the only times I stopped using any previous Amex product ( Delta Gold ), was to instead put my spend on the more expensive Amex product ( Amex Gold ) instead. Customer service basically told me that it sucks, but it is what it is, and that the " system '' makes its decision and it can not be appealed. The terms for denial of bonus are too vague and anti-consumer, as it gives the company license to deny bonuses for any reason, without giving the customer an appropriate or explicit answer as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2020 I filed a dispute with Experian regarding the incorrect balance begin reported for my XXXX  XXXX account. A balance of {$450.00} is being reported instead of my statement balance of {$41.00}, the charges being reported are due to fraudulently charges that where charged to my credit card on XX/XX/2020. These charges have since been corrected, however they refused to corrected my balance with the credit bureaus. Experian closed the dispute on XX/XX/2020 without correcting my statement balance.

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 2020-09-23 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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE LENDERS OF AMERICA
State: UT

Complaint narrative:
Zillow Home Loans [ NMLS # XXXX ] XXXX XXXX [ NMLS # XXXX  ] No actual quotes provided. After questioning company why they start spamming onto the cell phone at XXXX in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Ford motor credit is showing a 30-day late payment for the month of XXXX. That information is incorrect. I was on a COVID relief program and began making my payments as soon as that program ended. This information is false. My account is current with NO late payments.

Company response to consumer: Closed with non-monetary relief