vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-15 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:
I am filing a complaint because Experian, has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed were in fact accurate. Being that it has gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. '' that I have disputed inaccurate. Please resolve this matter as soon as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15 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: TN

Complaint narrative:
This XXXX account # XXXX has been paid-in-full. XXXX is reporting the account as " Derogatory '' and in a " Payment Plan ''. Neither is true. This account is also " closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 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: TN

Complaint narrative:
This XXXX account # XXXX has been paid-in-full. XXXX is reporting the account as " Derogatory '' and in a " Payment Plan ''. Neither is true. This account is also " closed ''.

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 2018-07-15 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This XXXX/Lowes account # XXXX was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.

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 2018-07-15 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: TX

Complaint narrative:
IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX XXXX XXXX I HAVE SENT IN CERTIFIED LETTERS DATING BACK MONTHS AGO NOTIFYING EXPERIAN THAT MY IDENTITY WAS STOLEN AND THAT I A FEW ACCOUNT HAD BEEN OPENED ON BEHALF OF THAT AND THEY HAVE FAILED TO REMOVE THESE ACCOUNTS AS FOLLOW. I HAVE NEVER DONE BUSINESS NOR HAVE NEVER SEEN THESE ACCOUNT S BEFORE IN MY LIFE AND IM TRYING TO SORT OUT WHY ARE THEY FRAUDULENTLY REPORTING ON MY CREDIT REPORT WITH MY AUTHORIZATION. I'VE ASKED EXPERIAN TO SHOW ME THEIR DETAILED PROCESS OF VERIFYING AND VAILDATING ACCOUNTS METHOD? STILL NO ANSWER ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED AND FORGERY.SEND AN UPDATED COPY OF MY CREDIT REPORT ONCE ALL ITEMS HAVE BEEN REMOVED.

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 2018-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX, I am a XXXX resident. I traveled to New York by myself for a week and on day 4 ( Sunday XX/XX/18 ) of my trip, I attempted to withdraw cash from a Wells Fargo atm using the card free access code and found that Wells Fargo froze my account in the middle of XXXX XXXX at XXXX. I understood that the bank needed previous transactions verified on the phone and when I called them in I was told I was successful in doing so. I proceeded to try the Wells Fargo atm again. This time it told me I had exceeded the amount of times I could use an access code. I called the bank again and spoke to 3 representatives all which tried to send me a code via text and all resulted unsuccessful because it was all controlled by the database They all stated I would need to wait 24 hours in order to access my money. I was left in XXXX XXXX XXXX, in the middle of XXXX XXXX alone and with NO money to eat or do anything. I booked a ticket back to California that same day due to the severe amount of stress this situation caused me. In addition to this problem, Wells Fargo has charged me over {$400.00} in transfer fees/ {$12.00} ea time from my savings to my checking all in the last 7 months.

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 2018-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This XXXX XXXX # XXXX was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15 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: TN

Complaint narrative:
This XXXX XXXX # XXXX  was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.

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 2018-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been a mortgage customer of Wells Fargo since they took over XXXX XXXX approximately 16 years ago. I have been in my home for over 20 years and have never been late with payments. I continued to pay PMI and was still at 7 % interest. Friends who are mortgage underwriters, told me to contact Wells Fargo and ask two things ( in this order ) : 1 ) can the PMI be stopped and can I get a refund on some of those payments, and 2 ) can I  refinance to a streamline mortgage where there is no credit check, appraisal, or closing costs needed. 

I contacted Wells Fargo on XX/XX/2018 asking for the PMI reduction/refund. That was denied. The first person I talked with was XXXX XXXX. 

I then asked about refinancing to a streamline mortgage. I completed the on-line application and was denied on XX/XX/2018 due to my credit score. But then I received XXXX documents from Wells Fargo to sign, which included a promissory note. They were refinancing my mortgage ; however, it was for another 30 years, not the 10 I asked for. Also they were charging me over {$4000.00} in closing costs, which included an appraisal. 

After this, I talked to numerous Wells Fargo representatives regarding that this was to be a STREAMLINE loan, with no closing costs, credit checks, appraisal, etc. I also received numerous emails and phone calls from representatives saying they are just touching base and will get an answer to me shortly. My latest correspondence from them is in letter form dated XX/XX/2018. 
Since, I have refinanced with another local bank. My needs were met ( exceeded ) by them ( no credit check, no appraisal, no closing costs ). 

I feel that I was not being given a product I requested and being pacified with all the correspondence with no answers. 

My home value is {$110000.00} and I owed {$45000.00}. That is over 60 % equity. 

Because of the standoff, interest rates rose and I am paying .5 % more than when this started. 

Also, during the process with my local bank, I made another payment to Wells Fargo. When I received notice of payoff from them, they said if I am due a refund, it will be deposited into the escrow account. This is totally unacceptable - I want a check sent to me!

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 2018-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
on or around XX/XX/2017 I started receiving notices from this company XXXX XXXX stating that I had purchased a dog from them for over 5,000 dollars at that time I became furious because i had not applied for credit and i have a fraud alert added to my report so before credit was issued they were to contact me. I requested paperwork from the company in regards to the dog all they could provide was a pre printed contract without my signature, I also filed identity theft in regards to this. This company has been very nasty to me and not providing much help. They have been contacted several times by my attorney in reference to this. I was also advised to file and IC3 complaint for crimes that take place over the internet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 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: TX

Complaint narrative:
Correct account status for XXXX XXXX XXXX loan is in good standing and current since XX/XX/2014. This account is not a charge off nor associated with open bankruptcy. XXXX XXXX has confirmed they are not updating an adverse or negative status to any of the 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15 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:
I had no idea. My roommate stole my identity. XX/XX/XXXX. I received a letter stating that he did. I went down to the XXXX Police station. Got a police report. Did a affidavit. I wrote to all 3 credit bureaus I am a victim of identity theft. I have Hard inquiries and things in collections and credit cards and auto loans in my name that was not mine and to take it off. XXXX, XXXX, Experian. They took 4 years to take off the identity theft. As of today XX/XX/XXXX. My credit report from 2 of the 3 is almost right. XXXX still has a hard inquiry from XXXX XXXX DC XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CO XX/XX/XXXX. These Hard inquiries need to come off this was due to Identity Theft. They did take off other stuff that was in result of this mater. XXXX did the same they took off all the stuff from this matter. But they did not take off the hard inquiry. XXXX - XXXX XX/XX/XXXX. I had wrote to all 3 Last month to take them off. But they refused. 

As for as Experian, Its XXXX everything is still on my credit report. I sent everything certified mail. They did receive everything the other credit bureaus got. Never was sent a letter all the Identity theft is still on there. Accounts are. 

XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, {$17000.00}. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, {$730.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, XX/XX/XXXX, {$340.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  FL XXXX, XX/XX/XXXX {$650.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  FL XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX, XX/XX/XXXX, {$94.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX, XX/XX/XXXX, {$760.00}, XXXX XXXX, XX/XX/XXXX, {$1000.00}. 

Hard inquires XXXX  XXXX XXXX, XX/XX/XXXX, Bank Credit Cards, 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 2018-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Correct account status for XXXX XXXX XXXX loan is in good standing and current since XX/XX/2014. This account is not a charge off nor associated with open bankruptcy. XXXX XXXX has confirmed they are not updating an adverse or negative status to any of the 3 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 2018-07-15 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: TX

Complaint narrative:
Correct account status for XXXX XXXX XXXX loan is in good standing and current since XX/XX/2014. This account is not a charge off nor associated with open bankruptcy. XXXX XXXX has confirmed they are not updating an adverse or negative status to any of the 3 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 2018-07-15 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: FL

Complaint narrative:
Equifax refuses to delete collection accounts from my credit report that don't belong to me. The following accounts are currently reporting on Equifax ONLY. XXXX and XXXX quickly removed these since they were not mine but Equifax just ignores my disputes. 
1. XXXX/XXXX XXXX XXXX XXXX {$660.00} 2. XXXX {$510.00} 3. XXXX {$480.00} 4. XXXX {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/14 I tried to access my account through XXXX XXXX but the bank that I was trying to access does not let outside applications get information about 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 2018-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have 3 personal and 2 business credit card accounts with CAPITAL ONE. I have been with them since 2013 and have always paid my accounts on time. Recently, they reported two of my personal accounts to XXXX, XXXX and XXXX as being 30 days late when they were not. I have repeatedly asked CAPITAL ONE to correct this but they refuse to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bristlecone, Inc.
State: VA

Complaint narrative:
on or around XX/XX/2017 I started receiving notices from this company XXXX XXXX stating that I had purchased a dog from them for over XXXX dollars at that time I became furious because i had not applied for credit and i have a fraud alert added to my report so before credit was issued they were to contact me. I requested paperwork from the company in regards to the dog all they could provide was a pre printed contract without my signature, I also filed identity theft in regards to this. This company has been very nasty to me and not providing much help. They have been contacted several times by my attorney in reference to this. I was also advised to file and XXXX complaint for crimes that take place over the internet.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2018, CBNA inquired into my XXXX and XXXX  credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.

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 2018-07-15 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:
IN REGARDS TO TRANSUNION XXXX XXXX XXXX XXXX PA XXXX I HAVE SENT CERTIFIED LETTERS OVER AND OVER AGAIN ABOUT ME BEING A VICTIM OF IDENTITY THEFT AND A VICTIM OF IDENTITY FRAUD AND NO ONE SEEMS TO CARES. ALL OF MY INFORMATION IS SCATTERED AND JACKED UP AT TRANSUNION AND NEEDS TO BE FIXED ALONG WITH THE REMOVAL OF INCORRECT EMPLOYERS. AND TELEPHONE NUMBERS. I HAVE TRIED TO RECTIFY THE PROBLEM COUNTLESS TIMES OVER THE PHONE AND THRU MAIL BUT HAVE GOTTEN NO WHERE SO NOW IM HERE WITH MY COMPLAINTS.

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 2018-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent several letters to remove the dispute comments from two accounts on my Equifax credit report and they have failed to do it. The two accounts are XXXX  XXXX XXXX - XXXX and XXXX XXXX XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2018, XXXX inquired into my TRANSUNION and XXXX  credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.

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 2018-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2018, XXXX inquired into my XXXX and EQUIFAX credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies I applied for an apartment on XX/XX/XXXX at " XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX '' ..XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX , MD XXXX. Phone : ( XXXX ) XXXX. Someone from this company, fraudulently access my credit file twice. I didn't give no one permission and therefore someone needs to be held accountable. My request is to have the one dated XX/XX/XXXX removed off of my credit report, if not both of them removed. 

The XXXX XXXX XXXX is the firm ... Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief