vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
^^^^^^^ Dear the " '' governor '' ''. I am **XXXX XXXX** . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2020-06-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A SECURED CREDIT CARD WITH WELLS FARGO, I HAVE NEVER SEEN THE CARD, I HAVE NEVER AUTHORIZED THAT SECURED ACCOUNT TO BE OPENED. I COME FROM A COUNTRY WHERE EVERYTHING IS CASH HANDLED AND I DONT BELIEVE OR TRUST THE CREDIT CARD CONCEPT. IF YOU LOOKAT MY CREDIT REPORT YOU WILL SEE THAT I DONT HAVE NAY CREDIT CARDS, NO AUTO LOANS, NO STORE CREDIT CARDS. THE WELLS FARGO SECURED CREDIT CARD IS FRAUDULENT, ITS NOT MINE.

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has failed to process a credit for the fraud charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC ( my bank ) has been denying my requests to connect my bank account to numerous apps. I have discussed this with this multiple times and they promised it would be fixed and/or it is a problem with the company that creates the connect between the bank and the app. Which is have found to not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We paid off our Mr. Cooper mortgage when we sold a second home on XX/XX/2020. We are due at escrow refund. We had not received the refund by XX/XX/XXXX so I telephoned Mr. Cooper and was told 2 checks had been issued to us. One for most of the escrow balance and one for additional escrow funds from closing. XXXX told me that our mailing address was the property address and that is where they sent our refunds.This was impossible since Mr. Cooper has mailed 1099 and other mortgage documents to our current address for 2 years. XXXX changed the mailing address, cancelled the first checks and told me that we would receive the refunds within 7-10 business days. As of today, XX/XX/XXXX, we have still not received the refunds. We telephoned today and were told the payments were still pending. We spoke with an escalation team member who told me she would send me an email with her contact information. I have not received any email from her. They also said they would XXXX the checks, but I have no way to verify if the checks have been issued. They are holding our funds without interest payments for well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX experian ran my credit for XXXX  for a line of credit. Experian reported key factors that adversely affected my credit score : lack of sufficient real estate account information. When asked by XXXX i reported that i have no mortgage as i own my own home as of XX/XX/XXXX. I have no mortgage due to paying cash for my home and no mortgate was needed. It seems as though because i never had a mortgage Experian is using the fact that i never had a mortgage to somehow show i am at a higher risk of repayment therefore lowing my credit score and increasing the my cost for credit.

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 2020-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing collection debt for over 3 month now. Portfolio Collection company also filed a lawsuit .This company is using scarring technic to force me to pay the debt the was never validated .Ownership was never established .and proper paperwork was never provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to the Chase bank on XX/XX/2020 in XXXX XXXX Florida to deposit some of my wedding money in the inside ATM. It was about 5,000.. We quickly filed a claim with the bank. A month later they send us a notice stating they could not find any money in the ATM that we deposited. Chase has stated there is nothing they can do..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Paid off my car loan on XX/XX/XXXX. Requested letter of lien release so I could sell the car immediately. This was the reason I paid the car off years early. Was told after the fact that an unexplained 10 day holding period was required by Ally Bank ( not sure why this would be necessary ). No mention of this was made at or during the time of the loan payoff. Had I known this I would not have invested in advertising my car for sale that day. Today is XX/XX/XXXX ( beyond the unexplained 10 day hold ), still no release provided or any communication as to when I will receive it. As a result I am being continually denied the right to freely sell my property. Ally Bank tells me they will only mail or possibly fax a copy of the letter once generated, no email capability or other modern electronic capability exists there to expedite the request. It's as if they still use stage coaches there. As a result of this delay I have lost opportunities to sell the car to interested parties while I wait for Ally Bank to act and fulfill their obligation to release the lien upon payment. I've reached out on a daily basis to Ally Bank via phone and chat to ask for resolution. No process exists according to the phone operators to accommodate or expedite this. Zero care or consideration. I'm prisoner to their antiquated ways.

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 2020-06-02 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: AZ

Complaint narrative:
I had a person loan for {$5000.00} that has been paid in full on XX/XX/2020. I requested a dispute of this amount on XX/XX/2020 and XX/XX/2020 I was informed via emailed the account will remain on my account. I also have some late payment items that were discharged in bankruptcy. I sent back a rating for the dispute at XXXX, and my rating dropped 40 points magically. My other credit scores are over 650. The information for the dispute is listed below. Thank you XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX Personal & Confidential Date Generated XX/XX/2020 Report Number 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 2020-06-02 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: IL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-06-02 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 uploaded additional documents also have a Identity report they still refuse to remove information off my credit report I have no knowledge of these accounts and its hurting me to apply for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for Wells Fargo HELOC. This account was also verified with XXXX   Mortgage Service and me on the phone and Wells Fargo stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX Wells Fargo added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late  payment fee. I have been working with Wells Fargo HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and Wells Fargo is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. Wells Fargo is one on the worst organizations I have dealt with.

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 2020-06-02 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 recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX {$1400.00} DPT EDXXXX XXXX {$7000.00} XXXX XXXX XXXX {$3700.00} XXXX  XXXX XXXX {$2600.00}

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 2020-06-02 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: GA

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX {$1400.00} DPT EDXXXX XXXX {$7000.00} XXXX XXXX XXXX {$3700.00} XXXX  XXXX XXXX {$2600.00}

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 2020-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Motor Credit has been negatively reporting to my account for yeas. Despite repeated requests from the credit bureaus and Toyota Motor Credit themselves, I have not received validation of debt. In a final chance to remedy this issue, I requested the validation and Toyota Motor Credit has not responded. I sent a letter with copies of my current drivers license and social security card via Certified Mail Signature Requested postage. Toyota Motor Credit received it XX/XX/2020 but did not reply to me, in direct violation of the FCRA. The amount is {$2600.00} and the charge off eviscerates my credit report month after month. This negatively impacts my job seeking opportunities and ability to obtain reasonable credit. I would like this deleted or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A SECURED CREDIT CARD WITH XXXX XXXX, I HAVE NEVER SEEN THE CARD, I HAVE NEVER AUTHORIZED THAT SECURED ACCOUNT TO BE OPENED. I COME FROM A COUNTRY WHERE EVERYTHING IS CASH HANDLED AND I DONT BELIEVE OR TRUST THE CREDIT CARD CONCEPT. IF YOU LOOKAT MY CREDIT REPORT YOU WILL SEE THAT I DONT HAVE NAY CREDIT CARDS, NO AUTO LOANS, NO STORE CREDIT CARDS. THE XXXX XXXX SECURED CREDIT CARD IS FRAUDULENT, ITS NOT MINE.

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Employee claims secured credit card was denied because of collection accounts on personal credit report. Secured card states that it is to rebuild business credit personal credit is irrelevant

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 2020-06-02 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: VA

Complaint narrative:
I don`t recognize this account and inquiries, I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible.

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 2020-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
About a month ago, I filed a complaint against Firstpoint Collections for reporting eleven new collections on my credit report, without notifying me first ; or giving me the opportunity to answer for them first. They lied to you in their response, and the eleven collection accounts are still illegally reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CORELOGIC INC
State: OH

Complaint narrative:
After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX XXXX # XXXX, XXXX XXXX  # XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX VS XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.

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 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
^^^^^^^ Dear the " '' governor '' ''. I am **XXXX  XXXX . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2020-06-02 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: CA

Complaint narrative:
XXXX Dear the " '' governor '' ''. I am **XXXX  XXXX** . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX ****ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX!!!!!!!

Company response to consumer: Closed with explanation