vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 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: PA

Complaint narrative:
I am a survivor of fraud and didn't make the charges. I ask that the things be obstructed to address my credit report

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 2020-08-28 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: PA

Complaint narrative:
I am a survivor of fraud and didn't make the charges. I ask that the things be obstructed to address my credit report

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 2020-08-28 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: PA

Complaint narrative:
I am a survivor of fraud and didn't make the charges. I ask that the things be obstructed to address my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: FL

Complaint narrative:
HARD INQUIRIES : XXXX XXXX XXXX ) 3 ACCOUNTS SHOW THAT THEY ARE CLOSED BUT STILL SHOWS A BALANCE OWED. ( THERE IS NO BALANCE DUE ) EQUIFAX MORTGAGE SERVICES ( NEVER APPLIED FOR A LOAN ) ************************************************************************************** ADDRESS ON CREDIT REPORT : NEVER LIVED THERE : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX NAME ON CREDIT REPORT NOT MY NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: FL

Complaint narrative:
XXXX XXXX was opened by someone else do to the XXXX  credit breach it found that it was opened do to the XXXX Credit Breach was deleted by 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 2020-08-28 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: CA

Complaint narrative:
I am writing to dispute the following information in my file. I've disputed these accounts in the past but the credit bureaus have ignored my requests.

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 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
To whom it may concern, When the COVID-19 pandemic happened, I had applied for forbearance with my current lender, Dovenmuehle, and was told I would be receiving paperwork in the mail to sign. I received the paperwork, but I decided not to go through with it and never sent them the signed paperwork. I found out in XXXX that the forbearance was still applied to my loan ( when I never signed the paperwork ). This affected the credit of my parents ( who are co-signers ) and I. My parents are trying to refinance their home, but their loan can not be processed further until an opt out letter from Dovenmuehle is received. 
I contacted Dovenmuehle on XX/XX/2020 to send me the opt out letter of proof that I am no longer on forbearance, current with my payments, and do not owe any back payments. They sent a response on XX/XX/2020 stating they will respond in timely manner as " required by law ''. I've made more than ten calls between XXXX through XXXX, but the only response I received is that the letter has been sent out ''. I had also sent another follow up email on XX/XX/2020. Finally, around XX/XX/2020, they admitted that they made a mistake and the correct opt out letter was not sent and will be sending it out soon. Ive made two follow up calls on XX/XX/2020 and XX/XX/2020 requesting the opt out letter ( again ) to be mailed and emailed this time. The letter still has not been received and today is XX/XX/2020. It has been over two months of waiting. 

I attached my communication with them and proof of my current mortgage payments. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I did not get the promotional offer when I signed up for my credit card with Shell gasoline. The promotion was 6 fill ups at a XXXX per cent per gallon discount. Plus, I'm supposed to save XXXX cents per gallon every fill up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This company agreed to let me pay this off in full with NO interest. I have EMAIL records stating this from them. I have reached out multiple times with ZERO response or resolve.

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 2020-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Re : Capital One Bank Account # XXXX I have been trying to resolve this issue with Capital One for a year or more now, and they responded with a letter saying they were sending it to their fraud department ( according to CFPB Case # XXXX ; I never received a physical copy ) and to give some time. The letter was dated XX/XX/2020. I gave 6 months. In the letter they confirmed the account was done online and that they do not have any signatures, and it was linked to me by public records. Well if its public, anyone have access right? So that is not considered validation. According to the law, if the account is not validated the creditor must remove the account from my credit report. They also mentioned they sold the account. How and why when the account is not validated? This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: CA

Complaint narrative:
I am writing to dispute the following information in my file. I've disputed these accounts in the past but the credit bureaus have ignored my requests.

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 2020-08-28 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: CA

Complaint narrative:
I am writing to dispute the following information in my file. I've disputed these accounts in the past but the credit bureaus have ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Creditors Specialty Northwest, Inc.
State: OR

Complaint narrative:
They have called my work multiple times, XXXX XXXX ( or XXXX XXXX? ) With Creditors Specialty Northwest. I work for a government agency and told them they can not call here. Last month I submitted another complaint against them, because they called my cell phone 2 times in 10 minutes, and my work during that same 15 minutes. Just now at XXXX XXXX they called my work again, and my coworker answered. They called twice and my coworker told them it is absolutely not appropriate to be calling my work place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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:
XXXXXXXX XXXX was opened by someone else do to the XXXX  credit breach it found that it was opened do to the XXXX Credit Breach was deleted by 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 2020-08-28 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: PA

Complaint narrative:
I have had problems with Equifax since 2019. Equifax finally, has added my information back the information is old and not updating. I have already called the creditors and they have reported to all 3 credit bureaus but Equifax has not updated my file. It seems to be stuck in time compared to my XXXX and XXXX are not updating it. The only thing that is changing back and forth is my utilization and I don't know why it is doing that if my credit report is not updating going on 3 months. I have tried to apply for loans and the creditor is saying that my Equifax file has a security freeze hen there is not a security freeze and I have verified this with Equifax. I believe there I a problem with my file and that it may be a duplicate file with 2 addresses? I only can verify through Equifax under my old address when I have updated my file and it shows with my new address. Equifax is one the WORST companies I have ever dealt with and they hold people person information it is just unbelievable how long I have been trying to get my file. I can't even get my file verified to get a loan which is a hindrance to no fault of my own. Not even a pre-approval for a mortgage because I am at the mercy of the incompetent mega-corporation that hire idiots to run it. I need to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE FOR THESE INQUIRIES TO BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
As of today, XXXX XX/XX/2020, I have not receive my XXXX Mortgage payment statement, which includes a payment stub. According to Bank of America own requirements a payment coupon is required for " Crediting of payments ''. I have sent Bank of America over 5 secured messages via while logged into their website over 2 weeks ago and got no response. Calling wait times to Mortgage Dept. have been between 60 to 90 minutes every time I call. Today I get they are working on it. It is also noted that I have never had, paperless billing and confirm that via their website. It is noted that I have listed my phone number as on thier website. 

Attached XXXX document is copy of secure message while logged my Bank of America mortgage account ending in XXXX. They do not allow to send myself a cop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC
State: CT

Complaint narrative:
This is a follow up to the complaint I filed earlier this year # XXXX. 

I agreed to use this loan company and pay them 12 months AFTER the contractor completed the job he was hired for. As of today ... the work is FAR from complete. I have repeatedly told this finance company that the job is not done and the funds should NOT be released. I have told them this consistently since the beginning of the year ( all on a recorded line ). However ... the financing company has ignored the fact that I've told them the job is not done, and, they have released the funds to the contractor. So ... I want to be clear that the 12 month " interest free '' period will NOT start until the job is done. I just got off the phone with them again today and told them that, but, the person I spoke with, XXXX, said there was noting that could be done. This is an outrage! I suspect they released the funds so they can get their interest. Instead ... they should have listened to me when i told them the work was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
Closed on construction loan for a house. House is complete. The bank never set up an escrow account for home insurance to be paid. Over a month later And countless emails and phone calls and the escrow account is still not set up. 

I receive a letter in the mail saying I need to deposit {$370.00} in to my escrow account then I get a check in the mail for escrow overage of {$330.00}. Im getting tossed around and nothing is getting settled. I have dont my due diligence to get this fixed.

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 2020-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed some item on my credit report, via letter, that, I believe is not mine, and asked for validation, which is due within 30 days. I received a response saying the accounts were verified, but nothing showing how the accounts were verified and validated. According to the laws, validation is required within 30 days or the accounts has to be removed. Accounts reference is : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX? 
XXXX XXXXXXXX XXXX Account # XXXX I opened a case in XXXX ( case # : XXXX ) and still yet to hear anything back regarding validation. I have waited patiently and would like answers. It has definitely been over 30 days and according to the law, the accounts has to be 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 2020-08-28 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: MO

Complaint narrative:
XXXX, Equifax, and XXXX  are reporting incorrect information on my credit reports. There are 3 late payments that's reporting unverifiable late payments of 30 days with XXXX XXXX XXXX, and XXXX XXXX which is the same company. 

XXXX shows that I opened an account in XXXX of XXXX and had one late payment in XXXX of XXXX, it was a revolving line of credit. Equifax, shows this same account with a different account number as a revolving line of credit with my XXXX payment on time, but my XXXX payment late. XXXX, is reporting this same account with the account number the same as the Equifax report, but my XXXX payment was on time and my XXXX payment as late. The information is not consistent across the three reports for the same account. I have asked that this information be verified multiple times and have been unsuccessful to date. 

These same credit reporting agencies are reporting that I opened an account in XXXX of XXXX. On this account XXXX  is reporting it as a revolving line of credit with one late payment in XX/XX/XXXX and XXXX of XXXX and one late payment in XXXX of XXXX. 
Equifax is reporting this same account with a different account number under the company name of XXXX XXXX as a revolving line with a late payment in XX/XX/XXXX and XXXX of XXXX. 
XXXX  is reporting this account with a XXXX limit ( the other account have no limit ) as a revolving credit with late payments of XX/XX/XXXX XXXX of XXXX and XXXX of XXXX and the account number is the same as the one on the Equifax report.

These 2 accounts are infact duplicate accounts and I have never paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: MO

Complaint narrative:
XXXX, XXXX, and Experian are reporting incorrect information on my credit reports. There are 3 late payments that's reporting unverifiable late payments of 30 days with XXXX XXXX XXXX, and XXXX XXXX which is the same company. 

XXXX shows that I opened an account in XXXX of XXXX and had one late payment in XXXX of XXXX, it was a revolving line of credit. XXXX, shows this same account with a different account number as a revolving line of credit with my XXXX payment on time, but my XXXX payment late. Experian, is reporting this same account with the account number the same as the XXXX report, but my XXXX payment was on time and my XXXX payment as late. The information is not consistent across the three reports for the same account. I have asked that this information be verified multiple times and have been unsuccessful to date. 

These same credit reporting agencies are reporting that I opened an account in XXXX of XXXX. On this account XXXX  is reporting it as a revolving line of credit with one late payment in XX/XX/XXXX and XXXX of XXXX and one late payment in XXXX of XXXX. 
XXXX  is reporting this same account with a different account number under the company name of XXXX XXXX as a revolving line with a late payment in XX/XX/XXXX and XXXX of XXXX. 
Experian is reporting this account with a XXXX limit ( the other account have no limit ) as a revolving credit with late payments of XX/XX/XXXX XXXX of XXXX and XXXX of XXXX and the account number is the same as the one on the XXXX  report. 

These 2 accounts are infact duplicate accounts and I have never paid late.

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 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is a follow up to my previous compliant. Wells Fargo promised by letter to resolve the issue by XX/XX/XXXX. Today XX/XX/XXXX and I have not heard from Wells Fargo. If Wells Fargo needs more time, I should be notified by mail or in writing. 

Wells Fargo is trying to drag to the Gutter. It is a systematic method to wear me out Mentally & Financially. It is all bout race. 

Please refer to the attached letter dated XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX Fl, to Purchase a car for my son, using installment financing. When the dealership went to Equifax for my credit score, the report yielded a XXXX credit score. So I signed up for the Equifax XXXX XXXX and that report shows a XXXX Fico Score for Equifax. Not sure why there was no credit score provided to the dealer but I need this fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: FL

Complaint narrative:
Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.

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