vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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: OK

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$36000.00} XXXX XXXX XXXX XXXX {$530.00} XXXX   XXXX {$710.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$630.00} XXXXXXXX XXXX {$470.00} XXXX XXXX XXXX {$1100.00} XXXX   XXXX XXXX {$600.00} XXXXXXXX XXXX XXXX {$510.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX   XXXX {$350.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$580.00} XXXX/XXXX XXXX {$340.00} XXXX XXXX {$3500.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$93.00}

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 2020-08-18 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: AR

Complaint narrative:
I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report. DEPTEDXXXX XXXX {$10000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXXXXXX  {$1700.00} XXXX   XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX {$4000.00} XXXX   XXXX {$4500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX {$240000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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 would like to file a complaint regarding an account Equifax is reporting. I have requested information and validation multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/XXXX. The error is XXXX XXXX ( XXXX ). In my letter disputing this error, I told Equifax that I challenge the accuracy and reporting of this item. Equifax is reporting that XXXX XXXX ( XXXX ) Date of Last Activity is XX/XX/XXXX, this does not match any payment date or account change on the reported account. They are well beyond the 30 days response time to validate the accuracy of this information. Then on XX/XX/XXXX I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete " This is a stall tactic and this is almost two months past the date my letter was mailed and received by Equifax. Equifax can not validate this item but is stalling to remove it as they should have done already per the Fair Credit Reporting Act. As I stated I would in my initial letter to Equifax, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached my initial letter to Equifax, the certified mailing receipt, and my CFPB complaint where Equifax tried to stall saying This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX my broker XXXX XXXX XXXX XXXX : XXXX, NMLS : XXXX from XXXX XXXX XXXX sent a request to Wells Fargo for subordination documents. The {$250.00} fee was paid the same day. Though Wells Fargo states this process will take two weeks, as of today XX/XX/2020, I still haven't received any documents though they are aware my refinance deadline was XX/XX/2020. I have called Wells Fargo numerous times and sent numerous faxes and escalation emails. Their brokerage department tried to coerce me to stay with Wells Fargo, though the rate it is much higher for refinance. I believe that due to my refusal to remain with the bank they are refusing to provide me with the documentation to close the new loan. This is not the first time when I was pressurized by Wells Fargo. I was told if I move my 401K with them, they would give me a better loan rate and would allow me to keep my HELOC.

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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I got a delinquent property tax Notice XX/XX/2020 from the XXXX XXXX XXXX XXXX XXXX Treasury Division. XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. For my property XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Parcel ID XXXX in the amount of {$970.00}. I immediately submitted to SLS Tax Department XXXX. XXXX XXXX XXXX, New York XXXX office # Fax XXXX. Via Certified mail and I uploaded to their Tax Doc site they acknowledged receipt of everything. I have been working on this Since XX/XX/XXXX and mailed the Delinquent tax notice. By XX/XX/2020. I started calling and faxing everyday and called every single day and spoke with anyone that would listen and asked to speak with a Supervisor in the Tax department XXXX and I spoke with a XXXX and a XXXX and I spoke with Customer care agents XXXX and XXXX I submitted a NOTICE OF ERROR WITH MY WRITTEN REQUEST PURSUANT TO RESPA ( 12 U.S.C SECTION 2605 ) mailed it also certified mail to them and to the corporate office Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. I faxed to them at XXXX and I have called on a daily basis to both offices and the XXXX Treasury division. 

My taxes and insurance are paid out of my escrow account. I have approximately {$1600.00} sitting in my escrow account and they're failing to pay it. I am current on my payments and have no shortages concerning my escrow balance. The City of XXXX states it must be paid by XX/XX/2020. Or they will proceed with a Tax lien sale This needs to be paid and is causing my undue stress.This is very serious

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 2020-08-18 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 — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX Company did NOT send the Statement on XX/XX/XXXX for XX/XX/XXXX payment, we received the statement until XX/XX/XXXX, check was sent for XX/XX/XXXX and XX/XX/XXXX, check was cleared for both months on XX/XX/XXXX but they reported it as late payment, both my wife and I have had EXCEPTIONAL credit, now both credit scores are affected. 

XX/XX/XXXX XXXX went on Bankruptcy, we found out on late XX/XX/XXXX. Was until XX/XX/XXXX in the process of refinancing we found out that this report was done, could not get in touch with XXXX, had followed up multiple times with Shellpoint Mortgage Services who purchased our loan by telephone, via email, and certified letters, two previous complaints filled with CFPB, more then 30 days passed and now the latest response from Shellpoint dated XX/XX/XXXX states they need additional time when is already more than two months we still waiting for. We can NOT give Shellpoint Mortgage Services more time. 

XXXX  can not be contacted since telephone is no longer in service, I contacted on XX/XX/XXXX via certified mail XXXX at XXXX XXXX XXXX XXXX, PA XXXX the address provided by Shellpoint Mortgage Services and no response, they do not answer the listed telephone as XXXX in XXXX XXXX Minnesota so my letter came back yesterday XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX showing up on credit not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: PA

Complaint narrative:
I have written to dispute the reporting of my student loan on all three credit reports. I have attempted to correct this with all three credit reporting agencies and with XXXX XXXX XXXX Loans. I spoke with XXXX XXXX again today and received another notice from XXXX  that they do not have to investigate the complaint as the details of my letter were not specific enough and I had recently filed a dispute so they did not have to investigate again. When I spoke with XXXX XXXX they state it is the credit reporting agencies, XXXX, Equifax, and XXXX. The credit reporting companies state it is XXXX XXXX. 

There are two XXXX XXXX XXXX XXXX being reported on each of the three credit reports. One is correct with the all payments being reported as current. The second one of which a copy is attached to this letter, list the account as CURRENTLY PAST DUE GREATER THAN 120 DAYS. This student loan went through the rehabilitation approved process and the reporting of the loan was updated. During the update somehow two student loans began to be reported instead of one account.current.The second account should have been deleted from all three credit reporting agencies, Equifax, XXXX, and XXXX. 

The reporting on Equifax that are now reporting a student loan that was closed in XXXX with a XXXX balance NOW has late payments reporting in XXXX and XXXX. The account is reported as being currently 120-149 days late as of TODAY and was closed with XXXX balance is XXXX. 
The late payments on this account are over seven years from XXXX. I have worked diligently to rebuild this account to a good standing status. This loan went through the full rehabilitation process and the second account reporting reflects accurately what the account status should be. Under the terms of the rehabilitation process, the account that has the inaccuracies and late payments should be deleted from all three reporting agencies, Equifax, XXXX, and XXXX, as per the Fair Reporting Act. The correct one with the on-time payments should  remain as the account status. 

This inaccurate and outdated reporting of two accounts is detrimental to my credit score and does not accurately reflect my current account status or the rehabilitation program I followed. I am very frustrated and do not have any idea who to seek futher help from to resolve this issue. I am appealing to you for help with this to get both of them to work on this error. 

If you have any questions, please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Skopos Financial, LLC
State: SC

Complaint narrative:
I called in on XX/XX/XXXX to make a put for XXXX. Me and the representative did a work out plan to get my account back on track. We both agreed for me to.make a put and a half on XXXX  XXXX. I called the company XX/XX/XXXX to see about making the XXXX payment before the XXXX so I wouldnt have to pay the amount all at once. My unit was repossessed with arrangements set for the XXXX. I'm seeking reimbursement for time loss and the 2 payments made the month prior.

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 2020-08-18 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: AR

Complaint narrative:
I called XXXX  XXXX  to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report. DEPTEDXXXX XXXX {$10000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXXXXXX {$1700.00} XXXX   XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX {$4000.00} XXXX   XXXX {$4500.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX {$240000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$27000.00}

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 2020-08-18 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: AR

Complaint narrative:
I called XXXX  XXXX  to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report. DEPTEDXXXX XXXX {$10000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXX {$1700.00} XXXX   XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX {$4000.00} XXXX   XXXX {$4500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX {$240000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$27000.00}

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 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: AR

Complaint narrative:
I closed my credit card account months ago and continue to make monthly payments in good faith without being late once. I originally closed the credit card because I was having issues with the company while dealing with rude and unprofessional behavior of the customer service reps. Upon closing my account I was told that I would not have to pay an annual fee or monthly fee because my account would be closed before the one year anniversary date. Fast forward five months layer and Im being charged an annual fee and a monthly fee even though my account has been close for five months. I talked to four different employees from this company. Instead of trying to resolve the issue, they was rude and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I received a letter from Ability Recovery Services, dated XX/XX/XXXX, regarding tuition payment I owed to XXXX University. The letter I received stated that I owe {$2900.00}. Because of medical issues I was not able to pay the bill until XXXX. I started paying every week as I got paid. Based on the letter, I only owe {$470.00} to pay the account off. I have already paid {$2500.00}. I have submitted a dispute with XXXX and XXXX  because the amount I owed on my credit reports were not correct. On XXXX XXXX, I contacted the collection agency about correcting the amount owed on my credit report. They informed me that I owed XXXX XXXX plus dollars because of charges XXXX added to my account. However, the letter they sent me does not reflect that. I contacted XXXX they can not pay me the amount I owe. They are saying whatever the agency says I owe, that is what I owe. They could not even tell me the amount of charges that may have been added. I should have been told in the letter and up front when I call The collection agency to settle the account the amount if extra charges and fees were added. I have attached the letter I received and the records of my payments I received from 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 2020-08-18 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: TX

Complaint narrative:
I have been disputing this same charge off auto account with both bureaus ( XXXX & Equifax ) for the past year. None of the information is the same across the board. They tell me each time they've verified this account all year when none of the information matches. From my understanding, charge off accounts are not supposed to show a past due balance. Equifax shows {$3500.00} past due while XXXX shows {$10000.00}. Just a month ago, XXXX   showed {$10000.00}, so charges are being added and I have NEVER made a payment on this account after it was closed. Both bureaus are showing a different Date of Last Activity date as well, Equifax shows XX/XX/2019, how was this last active that date when the account wasn't last active until beginning of XXXX and I still had the vehicle? XXXX is showing Date Last Active XX/XX/2019. The balance is also inconsistent, Equifax is showing {$10000.00} while XXXX is showing {$10000.00}. Equifax doesn't even have the type of account listed its ridiculous. My point is, if these accounts are coming back verified at the SAME time from the SAME creditor SOMEONE IS WRONG and someone didnt take the actual time to do it correctly. So for their apparent neglect in ensuring ACCURATE, CONSISTENT, and UP-TO-DATE info on my reports, I want them deleted from my credit reports. This is ridiculous and I shouldn't have to keep telling them the same thing for almost a year. XXXX alsways tells me the account is updated as verified and Equifax never sends me a response except for a darn credit report and its getting really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Certegy Holdings, LLC
State: VA

Complaint narrative:
After reporting the loss of my debit card to my bank, I had to rely on writing checks while I waited for my new card. I attempted to write a check for {$200.00} at a XXXX XXXX XXXX and the check was declined by Certegy Check Services even though my account balance on any given day is more than four digits in front of the decimal place. In addition, I have never written a bad check. In fact, I don't usually write checks, relying upon my debit card instead. I attempted to contact Certegy to get more information and found they only have an automated system that will not allow you to speak to a human being. The automated system gave me a very vague reason for the decline so I went to their website and received the same vague message ... This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details ... If a company is going to impact my credit score and store information in a credit file regarding my transaction history, I should have been told the specific reason why an adverse action was taken. And while the receipt I received at the Super Market indicates I am able to dispute anything in my file, they do not have an option to do so on their automated system or website.

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 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Convergent Outsourcing sent a collection notice and refuses to validate, got a name that is similar, hence its a fraudulent attempt to collect a debt now owed, furthermore on XX/XX/16 XXXX out of XXXX NY sent a collection letter under reference XXXX which was disputed for the same account and balance in question, XXXX was unable to validate the debt, and also because of identity fraud. They went ahead and closed the file, which XXXXConvergent now is attempting to collect. 

The agent at Convergent made threats.

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