vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
I refinanced my home with a VA Refinance Loan through Veterans United Home Loans. I was told on multiple occasions through this refi process that the VA required XXXX XXXX to establish an escrow account to fund property taxes and insurance premiums. I was told that this is the law and there was nothing they could do about it. I am a 100 % XXXX Veteran with a degree in XXXX XXXX. I recited the law to these underwriters who refused to comply and continued to lie to me. As I had several XXXX dollars invested into this refinance at this point, I had no choice but to comply with their demands. Now this loan has been sold to XXXX. I have contacted them to remove the escrow account and again I am hearing the same flawed argument we are required by law, we are required by the VA to establish the escrow account. As of now, I have demanded a formal review and a written response from XXXX. I am waiting for their response. 
I have had mortgages and multiple mortgages at the same time for 50 years. I have never missed a mortgage or tax payment ever. I have never been late on any payment, my credit score is impeccable. 
I have been lied to, the VA Home Loan Program has been abused and misrepresented by these people and it must stop. At this very moment, the lies are being repeated to other XXXX Veterans. These Veterans are being harmed. Please send a message to these lenders and help me to stop this abuse. 
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 explanation
Consumer complaint received 2021-01-07 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: IL

Complaint narrative:
XXXX XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I was ( XXXX ) days late in 2020 on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. ( I have also attached the call log information confirming my conversations with XXXX  for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and needs to be removed. I have contacted XXXX as well as the bank to remove these lates however, I have not been successful.

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 2021-01-07 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: IL

Complaint narrative:
XXXX  XXXX should not be reporting to XXXX  ; Experian and XXXX  that I was ( 30-60 ) days late in 2020 on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. ( I have also attached the call log information confirming my conversations with XXXX for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and needs to be removed. I have contacted XXXX  as well as the bank to remove these lates however, I have not been successful.

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 2021-01-07 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: NJ

Complaint narrative:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2021-01-07 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: NJ

Complaint narrative:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts and inquiries listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX U S DEPARTMENT OF ED XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX-XXXX  Inquiry Date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO TRYS TO SOLICIT ME A CREDIT CARD USING MY NAME WITH THE SOLICITATION AND WAS TOLD SEVERAL TIMES TO OPT ME OUT AND CAN NEVER DO IT BECAUSE THE SOLICITATION IS ANOTHER NAME OTHER THEN MY SELF WHICH I BELIEVE ITS MY SONS NAME ON THE CARD. THEY WERE TOLD NUMBERUOUS TIMES TO TAKE MY NAME OFF THIER SOLICITAION OR OPT OUT WHEN SENDING THE SOLICITATION TO MY ADDRESS WHICH I HAVE NO RELATION SHIP WITH WELLS FARGO BANK! WHEN ASK TO STOP USING MY NAME OVER 6 TIMES IN A 4 MONTH PERIOD NEVER SEEMS TO STOP THIER PRACTICE AND CONTINUE TO USED MY NAME ON THE APPLICATION SOLICITATION WITH OUT MY AUTHORIZATION FOR THE 10 TIMES IN 6 MONTHS I ASK THEM TO STOP THE PRACTICE. ID THIEF IS ONE OF THE FASTEST MOVING CRIMES IN AMERICA AND I DO NOT WANT TO GET ON THAT LIST!

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 2021-01-07 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:
incorrect addresses and work history. Id theft victim i have never lived at these addresses nor is my work history correct XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  please rermove asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-01-07 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: GA

Complaint narrative:
I noticed that i have been a XXXX of XXXX XXXX  for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I've written and disputed this account with Convergent Outsourcing. I do not know who they are or why they are on my credit. I have never applied for credit with them! They have never sent me anything in the mail, ever! I did some research and found that if they are going to report to the credit bureaus, I have to apply for credit, I also found that I have the right to dispute the debt, which I've done, and they have sent me nothing, ever! I do not believe they are following the laws I've read about such as the FCRA! I think you need to help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
During XXXX, I had over 30 charges for {$13000.00} taken from my account. These were not authorized. I believe someone may have hacked my account and charged my bank until I hit {$0.00}. Wells Fargo denied the claim. They also inaccurately put under my claim reason " He doesn't remember the charge. '' Wells Fargo tried to make it seem like I forgot about making the charges. I obviously do not remember the charge because I did not do the charges and the reason I stated on the phone was they were fraudulent charges. They have now denied my claim. Wells Fargo should have contacted me when the charges started happening repeatedly. They also allowed the pending charges to go through as well after I called them to report the fraud.

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 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, MN, are pursuing a debt in the amount of {$2000.00}, that was due to identity theft, and my personal and family accounts being compromised/stolen. My own credit cards and family 's credit cards, along with my checking account, were compromised and were used to fraudulently send funds to and from our XXXX accounts and then withdraw them, particularly my XXXX account. My lawyer has contacted this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 noticed that i have been a XXXX of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-07 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. It has been well over 30 days!

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 2021-01-07 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. It has been well over 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: VA

Complaint narrative:
They wouldn't give me my money back after I submitted a dispute an claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, MN, are pursuing a debt in the amount of {$2000.00}, that was due to identity theft, and my personal and family accounts being compromised/stolen. My own credit cards and family 's credit cards, along with my checking account, were compromised and were used to fraudulently send funds to and from our PayPal accounts and then withdraw them, particularly my PayPal account. My lawyer has contacted this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: NY

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-07 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: NY

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: IL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2021, I called the bank to complete a wire transfer. Since I am in MA they do not have a branch but they have Advisor offices. WF started to allow me to go to an Advisor office be certified and then a local office ( branch ) would make the wire transfer. They told me they would set this up and call me back in " 6 minutes '', after 5 hours no call, I then followed but they had no record of any of these actions. After discussing this with approximately 12 people in WF I arrived at square one. I called the Advisory group in XXXX and they are not even in the office. I called a local XXXX XXXX branch that states they open at XXXX with lobby and drive-in and not answer. I called the Executive Advocacy and they said they have 10 days to respond to me. They have totally road block me to make a wire transfer.

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 2021-01-07 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:
Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: GA

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation