vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 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: GA

Complaint narrative:
I called XXXX XXXX XXXX who is XXXX Visa I tried to do a credit increase they said my report told them my usuage on this card is too high My issue with this credit company they have not reported my card Since XXXX of XXXX I have also ask of them to remove the late from XXXX because it was covid I need them XXXX equifax ans XXXX to rescore my credit I lost XXXX points with this company I have paid this card off several times in the past 3 months that has not been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: GA

Complaint narrative:
I called XXXX XXXX XXXX  who is XXXX  Visa I tried to do a credit increase they said my report told them my usuage on this card is too high My issue with this credit company they have not reported my card Since XXXX of XXXX I have also ask of them to remove the late from XXXX because it was covid I need them experian XXXX ans XXXX to rescore my credit I lost XXXX points with this company I have paid this card off several times in the past 3 months that has not been reported.

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 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NV

Complaint narrative:
Enhanced Recovery Company LLC at XXXX XXXX XXXX XXXX, FLXXXX Has been sending me collection notices in the amount of {$2500.00}. The collection has been reported as a past due balance. I dont know this company. I have never done business with this company. This company does not have contact with my signature. 

I have not supplied no proof under the doctrine by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX, I presume that no proof alleged debt, nor therefore any such debt, in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/2021, I was alerted that my name and DOB were used to open a checking account at Wells Fargo. After contacting Wells Fargo, I learned that the account was opened using online banking, and also used my SSN.

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 2021-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX, I entered into and signed an agreement for a COVID Loan forbearance program with Caliber Home loans. On XX/XX/XXXX, Caliber Home loans marked me late for EVERY month I was in forbearance. Each of the three major credit reporting agencies now show 's me late and not paying for over 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
On XX/XX/2021, Community Loan Servicing ( FKA Baywide Loan Servicing ) Provided a response to my original complaint ( Reg # XXXX ) indicated they are working through an internal process to see if I am considered a successor in interest or, in the alternative if I can complete an assumption package. 


However, Community Loan Servicing LLC did not indicate that they would stop all foreclosure action on my home while their review is in process. This is unfair, unethical and I am asking for confirmation that foreclosure action be stopped while this detailed review and solution process is being worked through. 

As an important note, Community Loan Servicing LLC was fully aware of the transfer of ownership well before my complaint. Please hold all foreclosure action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Macy XXXX violated my consumer rights by reporting a closed account with no permissible purpose.

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 2021-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: AR

Complaint narrative:
Hello, I contacted the Experian credit bureau through mail as well as over the phone about a particular Fraudulent creditor on my credit report. I Requested they investigate the creditor. I also requested a signed document or contract showing my signature with this particular creditor. I did not receive any proof or Documents Proving a Relationship between me and said Creditor. Instead they sent me a letter saying the investigation was complete and the credit report is reported correctly. Which this fraudulent creditor is still reporting fraudulent information on my credit report. When I spoke with a representative from the agency. She explained Experian does not have to have proof of a debt or a legally binding contract between the XXXX parties for an investigation to be completed. I told her per the FCRA, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. I then shared Some information about The Fair and Accurate Credit Act. I would like some help getting this matter resolved. Thanks in Advance, 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 2021-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
XXXX  refi my mortgage XXXX  times and failed to disclosed there was a lien on my property. Consulted with friend that are attorneys they stated XXXX XXXX could be responsible for predatory lending. Furthermore they used XXXX XXXX, which failed to disclosed or missed the lien on the property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc
State: NV

Complaint narrative:
Synergetic Communication , Inc at XXXX XXXX XXXX, XXXX XXXX, XXXX ID XXXX. Has been sending me collection notices in the amount of {$1500.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have contact with my signature. 

I have not supplied no proof under the doctrine by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. XXXX. I presume that no proof alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesla, Inc.
State: NJ

Complaint narrative:
Earlier this year in XX/XX/2021, I entered in a Solar Panel installation contract with XXXX where the Company executives and Sales person said they will install Solar Panels and will power them on so i will have relief towards my Electricity bill. And for that they enrolled me into a contract. They have installed Solar Panels since XXXX months now and they are totally unresponsive about completing my project on time. Right now the solar panels have not been turned on, my advisor is not in touch with me since months and their customer support does not give any definitive dates when the project will complete. In fact i am being told that there are many customers to handle so we can not do anything and i am working with totally unresponsive people. Meanwhile my loan has started i am paying 'Interest ' on the loan for Solar Panels which are not functional. XXXX  also unduly charged my approx XXXX for electrical upgrade but it was not required and not done. That amount is also included in the loan which i am paying interest on and XXXX would not reimburse the amount until solar panels are turned on which is currently indefinite. 

I am paying a loan for a solar panel product which is stuck in indefinite timeline with unresponsive XXXX and i am paying interest on the loan plus XXXX of electrical upgrades which i never required and was not done by XXXX at all. So i am having to incur a lot of extra charges due to XXXX XXXX mismanagement and non-transparency.

Since april the solar panels have been installed and there is no attempt to expedite or provide clarity on multiple calls, emails that i have sent them. I am requesting them to reimburse XXXX $ right now so i dont pay interest on it and also that they must reimburse me for the delay in project as well as the interest i am paying for my loan unduly. I should not be charged loan amount until solar panels are functional ideally. It appears to be cheating and mismanagement to get people on loans and not start their solar panels. This is totally unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX we refinance our home that we bought XX/XX/XXXX with Wells Fargo hazard mortgagor. Fast forward to current date XX/XX/XXXX my mortgage payments have not been been reporting to all major credit bureaus. I was told by Wells Fargo that for one year my payments would be suppressed doing that refinance. And after that one year they would regularly continue reporting to the credit bureaus. Well, after trying to obtain a personal loan I was notified by the loan XXXX that my mortgage was not showing up in the credit bureaus. I contacted Wells Fargo they said that it was a credit bureau issue I contacted all credit bureaus and they said it was a creditor issue which is Wells Fargo. After many many attempts with Wells Fargo I received a letter stating that they had made an error I will try to fix it, that was XX/XX/XXXX. Wells Fargo lawyer contacted me saying that he would try to resolve the issue and today which is XX/XX/XXXX the in resolution on their part is, that they can not do anything they are not going to report my mortgage payments to the credit bureau because the issue is between the credit bureau and myself and I know that is untrue! All 3 Credit bureaus told me that they can ONLY report what has been reported to them from Wells Fargo. Wells Fargo stated that they received an electronic filing stating to suppress my payments which doesn't make any sense because I asked them who did it come from and the lawyer told stated to me that he did not know and they could not do anything.

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 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I was approached by Quicken Loans ( rocket Mortgage ) during Covid19 to do a refinance to lower my interest rate and my monthly mortgage payment. A year has since passed and I got a bill for an escrow shortage in the amount of {$2800.00} and notification that my mortgage would be increasing monthly by {$170.00}. I inquired with Rocket Mortgage and after they reviewed all the information they informed me that XXXX ( closing company ) pulled the incorrect property tax ( they pulled my mother in laws which is a completely different first name and my husbands name wasn't on it either ). XXXX admitted that the mistake was on XXXX. I told her I feel they are both responsible, as they do this for a living and in the end my husband and I are the ones suffering the financial havoc. She said the guy that pulled the incorrect info was going to be coached and in the end I am responsible for my own taxes even though they made the mistake. I understand that the taxes are my responsibility but I told her I wanted the loan fee I was charged {$5600.00} to be refunded in full or partially as I did not get what I signed up for. I explained that the 1 % point was not the main reason I did the refinance. It was to lower my mortgage from {$1600.00} to {$1200.00} so we would easily be able to keep our house if one of us were to lose our jobs or if one of us passed away. I also told her that this kind of financial devastation causes people not only to lose their homes but even commit suicide because not everyone has money lying around for this types of issues. Neither XXXX nor Rocket Mortgage seemed to care. XXXX thought XXXX XXXX cover XXXX months of my shortage but they decided it was not heir problem. If I had the money to refinance and get out from under Rocket Mortgage I would. At this time I am stuck with them. I think it is a SHAME that companies like this can meddle in people lives and not have any consequences. Although they are supposed to be the experts and guide me to better my situation I will never make that mistake again and will question EVRYTHING and make them spend more time going through the paperwork instead of listening to them when they say everything is fine... .JUST SIGN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I have sent multiple letters to The credit bureaus XXXX, XXXX, and XXXX, about multiple derogatory accounts that showed up on my credit report and has caused me to get denied for a mortgage loan. I have since then sent dispute letters to all 3 of the bureaus to verify the legitimacy and accuracy of these derogatory accounts. 

XXXX could not verify the accuracy of these accounts and has removed XXXX collections accounts from my credit profile. Which I asked them to do if the accounts could not be verified. 

XXXX has not shown me any information to verify these derogatory accounts and the account continue to remain on my credit file. 

XXXX has delivered an electronic response that does not provide the original documentation of the debt that I supposedly owe and has not given proof of accuracy for any of the accounts being disputed. 

have sent XXXX dispute letters by mail to each of these bureaus. However, no bureaus have provided information in the mail for legitimacy and accuracy of these derogatory accounts effecting my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Information forwarded to correct Deed of Trust on XXXX XX/XX/2021 The original request was initiated back in Early XXXX of this year. My lawyer and I have provided countless documentation to correct the issue and as of XXXX XX/XX/XXXX the issue has not been resolved. Request this matter be escalated to management to correct this issue. 

PHH is the second mortgage to this property. I provided XXXX XXXX ( primary ) mortgage to this property the same information 5 weeks ago and they resolved the issue in one week. This says a lot Request this update be elevated to correct issue. The attachments provide details of what needs to be corrected. Also sent additional documentation on at least four other occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hodosh, Lyon & Hammer, PC
State: RI

Complaint narrative:
An attorney for 'XXXX ' ( A credit card company that I had debt with back in XXXX, with a payout in XXXX, apparently got court approval ( without my knowledge ) to garnish {$1300.00} out of my bank account, PLUS another {$120.00} fee. The original debt was about {$4000.00} before I settled and paid less to close the debt. They are saying I now owe them {$12000.00}!!! ( with all the interest over the years )!! 

My husband and I obtained a mortgage in XXXX, and part of the mortgage process required me to settle any unpaid debts, in which I did ( or I wouldn't have gotten the mortgage! ). I recall settling this debt, although I can not find the paperwork to prove it. 

I thought to contact the mortgage company, who would have all of my credit information from that time, but they went out of business is XXXX. 

Since credit reports and credit bureaus only go back about 7 years, I can not get a hold of the information to clear this up. My credit rating is good, and I have no 'strikes ' on my record according to XXXX Credit bureau XXXX 

This debt is about EIGHTEEN YEARS OLD now ... .. how is this even legal??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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 — Investigation took more than 30 days
Company: AMERICAN PORTIFOLIO MORTGAGE
State: CT

Complaint narrative:
I have letter from creditor directly and email correspondence, about the mortgage being late and inaccurately reported. The mortgage company also has a mortgage for XXXX XXXX and I've never bought a house for more than {$400000.00}. This negative information needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Herein is my Response to Wells Fargo 's answer in aforementioned Case ID XXXX Respondent to the aforementioned complaint, XXXX XXXX of Wells Fargo Executive Office , continues to ignore any and all calls and voicemails to her direct number XXXX, I called on Monday XX/XX/2021 and left voicemail to return my call, no response, I called again on XX/XX/2021 and left voicemail to return call, *zero* response to date, all calls are unanswered and go straight to voicemail. Wells Fargo refuses to provide the required 12 character code " XXXX '' as XXXX supervisor informs me : without 12 character code beginning with " XXXX  '' Im unable to report the scam on XXXX reporting service Wells Fargo keeps providing me an invalid 10 character code to use with XXXX Reporting Mechanism. ( Please see enclosed attached evidence captured from XXXX XXXX XXXX as indicated in the evidence under Payment ID : XXXX Mandates all financial institutions to provide a Payment ID that is 12 characters long. 
I remain outraged that Wells Fargo closed all ( 3 ) three previous claims *before* providing the outcome of the receiving institutions action or inaction on the case, Wells Fargo is not informing me of the action or inaction of the receiving institution, Wells Fargo is not informing me what time frame to expect receiving institution action or inaction.

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 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I always check my credit history and found that I had a collection for a utility company in XXXX Texas. Ive always lived in XXXX Texas and attended college here in XXXX. I have no connection or tie to any of the debt that is owed to midland kollections. I have never lived outside of XXXX Texas.

Company response to consumer: Closed with explanation