vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-18 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has not sent me a full report with all pages and credit score as requested it's always incomplete pages as no 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 2020-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Due to covid-19 company give me forbearance plan for three months, now that send me threatening letter, I am loosing my home and my payment is due

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 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, CONSUMER PORTFOLIO SVCS, INC # XXXX, XXXX/XXXX/XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX/XXXX XXXX XXXX  # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX   XXXX  # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX/XXXX   XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-05-18 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: OH

Complaint narrative:
Hi, I sent certified mail requesting Assignment of Debt, validation of Debt and Method Verification for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX I have never received the requested information.

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 2020-05-18 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: LA

Complaint narrative:
I was shopping for mortgage rates in XXXX, I was about to Choose a XXXX XXXX when I a local regional manager for CMG financial call me and offered me 2.75 %, I confirmed in email that I would pay not points. XXXX XXXX responded in email that it cost 1.25 % but he was giving me a lender credit to cover the points. Now fast forward XX/XX/XXXXand I receive my final disclosure and there are the points with no lender credit. So I emailed XXXX only to get some lie of an explanation that they didn't know it was a mobile home until the appraiser. But my agent has communication with them that we had to change title companies because that title company didn't do manufactured homes. That was early in the process. Now I'm 3 days from closing and they will cost me my home with their lies and deceit. What can be done about this? Its basically lock you in thinking your going to get your home an they switch the interest rate trying to take your dream away from you. 

I did try and resolve this I forwarded the email that had the communication with the area manager to the loan officer, and asked if they would put the lender credit on the disclosure like promised, no response. XXXX XXXX told me he already paid 1.25 % and gave me credit when he locked the loan but this can not be true because it is not on the disclosure so they still owe me the lender credit promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been receiving multiple calls from US Bank, trying to collect on the credit card I have with them. I have told them my situation ( and I have even made a payment within the last month ) and they let me know that they were going to work with me and that the calls would cease for a limited time. Yet, I received five phone calls today alone from them. This has to stop.

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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are multiple problems with Transunion credit report. 

1. Name is incorrect, that is NOT my legal name. Needs fixed.

2. You have me working at a job before I was born, needs fixed.

3. The score is XXXX and at another agency XXXX. Needs fixed and explained. 


This is causing stress and problems with refi on my home and other debt. 


Transunion refuses to address these errors and problems. 

I have contacted legal representation and entered her name along with mine.

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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My account ending in XXXX is not reporting to XXXX  the full trade line is remove and I need it placed back on my XXXX  credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 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: OH

Complaint narrative:
Hi, I sent certified mail requesting Assignment of Debt, validation of Debt and Method Verification for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX I have never received the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I lost my job last XXXX, it was extremely rough and all of a sudden I had difficulties paying bills. 

Well since then, Bank of America have charged me over {$1000.00} in overdraft fees. 


Most of these overdrafts only occurred because their app showed that my balance was higher than it really was. For example, if I were to make a payment it would be deemed processing, and therefore would not be taken out of my account total, leading me to believe I had enough money to cover purchases upon checking. 

I brought up how unfair this was many time to BOA and was told time and time again well, youve already had 3 fees removed so the fees stand. 

The hardest hitting month was XXXX, when forgiveness and giving are the rage of the season. Boy did they give me something, {$470.00} in fees. Bye bye XXXX presents. Food? Heat? 


Worst bank ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I've worked really hard over the past year to clear up my debts and improve my credit scores with Experian, XXXX, and XXXX. Apparently, they don't respond in kind on their end. It's been extremely difficult trying to make contact with them either by phone or online. It is vitally important to can get things in order so that when a lender is checking my credit score it will be accurate. No matter how many times I've tried to contact them about my current financial record about no late payments, no loan debt, no late accounts, no collections, wrong addresses on their end, and exceptional open accounts ... they don't make the proper changes so I can move forward. I find that to be not only unfair, but negligent. Some of the agents prove to be unresponsive, sloppy, slow to respond, and inaccurate. I've had lenders turn me down even for the simplest of things recently. It's like I'm being punished by the 'Credit Bureau 's ' now. I'm proud of how far I've come, and I'd like to ask for your support. I went through a very painful period monetarily, and now that I'm on my feet again I deserve to be treated with dignity and respect by those who have little or no compassion for others. Respectfully yours!

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 2020-05-18 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: GA

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-05-18 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: OH

Complaint narrative:
I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with Experian, XXXX and XXXX and have not receive this information. It has been over 30 days. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Was wondering why my score keeps going down. Found syncb/care credit showing up saying i owr XXXX. I have never given this company authorization. Written or verbal. They are reporting fraudulently. I would like them off of my credit reports

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 2020-05-18 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: OH

Complaint narrative:
I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX XXXX and TransUnion and have not receive this information. It has been over 30 days. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: OH

Complaint narrative:
I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX, Equifax and XXXX and have not receive this information. It has been over 30 days. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
Do not know about the account that is listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
This matter stems from a rental property in XXXX XXXX XXXX, XXXX owned by XXXX XXXX XXXX. My son and I moved into the property on XX/XX/2016 after moving from XXXX. Once in the home it became apparent there were several urgent repairs needed. I contacted XXXX XXXX about the problems and they told me someone would be coming out to do repairs but they never did. I continued calling as at this point the fence had fell in ( just to mention one thing ). XXXX XXXX was well aware when we moved in we had dogs and the fence was mandatory. Finally, after 2 weeks of attempts to contact them, instead of making necessary repairs, they served me with an eviction notice. I was working for a law firm so they reached out to XXXX XXXX 's legal counsel and a made settlement agreement for {$1700.00}, this included 30 days of rent and half the security deposit. It was agreed we would vacate XX/XX/2016 and no further collection efforts from either side would be pursued. 

It is my understanding Hunter Warfield ( a collection agency ) was hired by XXXX XXXX XXXX to collect {$1900.00} from me in violation of our settlement agreement. I have sent Hunter Warfield the settlement contract from XXXX of 2016 along with receipt of payment at least 3 times. In response they sent me the settlement agreement back and said their client ( XXXX XXXX XXXX  ) confirmed the debt. 

At this point there is no way they do not know this was settled but it is still listed on my credit report. I have been trying by mail, phone and email to settle this matter for more than 2 years now. Hunter Warfield will not cease collections and have the collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: OH

Complaint narrative:
I have sent certified mail about XXXX XXXX XXXX # XXXX payment is history is inaccurate, please method of verification of late payments. All the parties involved in the investigation : Full Names, Phones, Addresses, Documents, and Dates. I have to right per the Fair Credit Act to request this information.

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 2020-05-18 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: OH

Complaint narrative:
I have sent certified mail about XXXX XXXX XXXX # XXXX payment is history is inaccurate, please method of verification of late payments. All the parties involved in the investigation : Full Names, Phones, Addresses, Documents, and Dates. I have to right per the Fair Credit Act to request this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency is inaccurate. The account balance is inaccurate. There is no notice of dispute which is a violation. XXXX and debt factoring company, XXXX XXXX XXXX are reporting the same account on my credit report. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. The account has been deleted from my spouse 's XXXX account. I have attached documents 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