vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have reached out last time to Equifax Credit Bureau, but i have not recieved any response up to this date. That means Equifax Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. The following account is still reporting on my Credit Report and needs to remove completely : XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: WA

Complaint narrative:
XXXX, Equifax, and XXXX are incorrectly reporting fraudulent accounts on my consumer report. It's been beyond XXXX  days and they've still yet to rectify the information. I've disputed these claims and I'm seeking litigation for the blatant disrespect and disregard for my credit wellness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I called the company 's customer service line to close the account. The customer service phone number is XXXX. After speaking to someone who I thought would close the account, that person said I had to be transferred to someone else. After waiting on hold for XXXX minutes, I was told that there was nobody who could take my call. I was very mad. I asked to speak to their supervisor- they also said that nobody answered. Really? They have plenty of people available to open an account but no one available to close the account? This is horrible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Failed to complete a full and investigation in regards to inaccuracies in report. Did not give permission to 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 2021-11-24 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: WA

Complaint narrative:
Transunion, XXXX, and XXXX are incorrectly reporting fraudulent accounts on my consumer report. It's been beyond 30 days and they've still yet to rectify the information. I've disputed these claims and I'm seeking litigation for the blatant disrespect and disregard for my credit wellness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Failed to complete a full and investigation in regards to inaccuracies in report. Did not give permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Spring Equity LLC
State: NC

Complaint narrative:
UCS/Spring EQ LLC ran my credit/Performed a hard credit inquiry on XXXX. I was in communication with this lender asking for loan rates. During our communication, they indicated that they will only perform a soft pull and it will not have any impact on my credit score. Yet, they ran a credit with any explicit authorization or me starting/submitting a loan application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
On the week of XXXX XXXX, 2021, I called Planet Home Lending LLC to resume my mortgage payments which had been deferred for XXXX months. The representative was unable to tell me what my new adjusted payment would be, but recommended that I pay the original monthly amount of {$1100.00} in order to prevent a late fee while the underwriting department calculated my new payment. I did as I was advised by the representative. 

Approximately a XXXX later I received paperwork to resume payments. When I got the paperwork I called Planet Home Lending for an explanation of the contract they wanted me to sign. During this phone call it was explained to me that the payment made a month earlier was not going to be applied to my new payment schedule as I was led to believe. The amount went towards the outstanding deferment amount, which is not how it was explained to me at the time. After much discussion, I was explicitly told that the paperwork would be revised and that my payment made in XXXX would be applied to my XXXX payment of my new payment schedule. 

Now, XXXX months and countless phone calls later, they have changed their story and are saying that they never said they would revise the paperwork despite the phone calls being recorded. I would like to take them to court so I can subpoena the phone call recording but due to their blatant lies and manipulation I do not have the liquidity necessary to hire an attorney. 

It may also be worth mentioning that this is not the first time the have acted deceptively regarding my mortgage. They have a long track record of exploiting their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo claims to have responded to numerous prior CFPB complaints regarding missing remediation payments in the amounts of {$3700.00} plus IRS taxes and {$500.00}, also including IRS taxes. I've reviewed replies and they either refer to checks as cashed and or verify address, refer to prior replies which also state the same, checks cashed and or address verified. I can assure the CFPB address was not verified and checks were sent to old address in which case, not cashed by myself. I moved to current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XXXX of 2020, payments were sent to old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX Further, neither payment covers damages sustained to date by these unauthorized accounts, which I detailed in prior complaints, also unresolved. The payment in amount of {$3700.00} was reported to IRS for tax year 2020, needs to be corrected to show no payment received. Needless to say, past CFPB replies do not address issue of missing payments and inadequacy,, also stated in prior replies which Wells Fargo reps have not refuted. Further, no affidavit for checks cashed fraudulently sent to me.. Also, I requested statement copies mailed to me for all accounts, past and current, nothing received to date via postal mail. These statements are needed for investigation by an attorney.. Alternatively, Wells Fargo has the opportunity to resolve matter by offering a reasonable settlement amount including missing payments which I detailed in prior CFPB complaint, no offer provided. Good faith attempts were made by calling Wells Fargo remediation at XXXX, spoken with several supervisors including a XXXX and XXXX, they have no information in regard to missing payments or request for reasonable settlement offer to date. Also, I've been calling Wells Fargo Executive Phone Bank at XXXX, spoken with numerous reps, referred to either XXXX Settlement which has nothing to do with remediation or given a case number in which case, nothing done, case closed out with no resolution.. In closing, please advise Wells Fargo they still have an opportunity to resolve directly by offering a reasonable settlement amount including missing payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mid-Atlantic Finance Co., Inc.
State: GA

Complaint narrative:
I've contacted MidAtlantic Finance about this bad debt on multiple occasions ; my last attempt being Monday, XXXX XXXX. When trying to discuss this debt, I spoke with customer service rep XXXX XXXX ext. XXXX ) who hung up on me mid conversation 3 times in a row. She was extremely rude and unhelpful. I told her multiple times the laws broken by the company in reference to the TILA, FDCPA, and FCRA. She told me she did not care about the laws. I sent in a cease and desist letter. Ultimately, I spoke with the manager ( ext. XXXX ). He was a lot less rude, however, his ultimate answer was that he could not help me, and told me I need to sue the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: MO

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My husband and I paid off this mortgage a month ago. 
We received our escrow refund check in the mail yesterday, but no documents where included with it. 
Today I had to contact NationStar to specifically request the lien release, escrow statement, and final mortgage statement. 
They e-mailed the lien release and escrow statement but they refused to provide us with our final mortgage statement that shows principal paid, interest paid, and final balance of zero. 

I need that mortgage statement for my records. I am entitled to it. 
What are they hiding?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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:
XX/XX/XXXX I applied for an health insurance application. I submitted my Social Security number along with my husbands which I never do because I have been victim of identity fraud in XXXX. 

XX/XX/XXXX someone applied for a XXXX  XXXX XXXX credit card using my personal information & identity. XX/XX/XXXX I received a text stating my credit had been approved and my cards would be in the mail within XXXX weeks time. 

Since I had not applied for a XXXX credit. I called XXXX XXXX XXXX and was informed that on XX/XX/XXXX somebody applied for credit using my personal information ( social security # ). 

I have informed the credit bureaus and have a police report. 

Last week my husband received a fraudulent call from Someone claiming to work in the liability department of XXXX XXXX They asked if I had a secondary health insurance policy. I called my health insurance company, XXXX XXXXXXXX, who stated they did not call. The impostor seem to have records of my doctors appointments. 

My recent credit report states I work for a company called XXXX XXXX services. This is incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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:
XXXX XXXX, 2021 I applied for an health insurance application. I submitted my Social Security number along with my husbands which I never do because I have been victim of identity fraud in 2000. 

XXXX XXXX, 2021 someone applied for a XXXX XXXX XXXX  credit card using my personal information & identity. XX/XX/XXXX I received a text stating my credit had been approved and my cards would be in the mail within two weeks time. 

Since I had not applied for a XXXX  credit. I called XXXX XXXX XXXX and was informed that on XXXX XXXX somebody applied for credit using my personal information ( social security # ). 

I have informed the credit bureaus and have a police report. 

Last week my husband received a fraudulent call from Someone claiming to work in the liability department of XXXX XXXX. They asked if I had a secondary health insurance policy. I called my health insurance company, XXXX XXXX, who stated they did not call. The impostor seem to have records of my doctors appointments. 

My recent credit report states I work for a company called XXXX XXXX services. This is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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:
XX/XX/XXXX XXXX I applied for an health insurance application. I submitted my Social Security number along with my husbands which I never do because I have been victim of identity fraud in XXXX. 

XX/XX/XXXX XXXX someone applied for a XXXX XXXX XXXX credit card using my personal information & identity. XX/XX/XXXX I received a text stating my credit had been approved and my cards would be in the mail within two weeks time. 

Since I had not applied for a XXXX credit. I called XXXX XXXX XXXX and was informed that on XX/XX/XXXX somebody applied for credit using my personal information ( social security # ). 

I have informed the credit bureaus and have a police report. 

Last week my husband received a fraudulent call from Someone claiming to work in the liability department of XXXX XXXX. They asked if I had a secondary health insurance policy. I called my health insurance company, XXXX XXXX, who stated they did not call. The impostor seem to have records of my doctors appointments. 

My recent credit report states I work for a company called XXXX XXXX services. This is incorrect information.

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 2021-11-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi On XX/XX/2021 I sent you another letter asking you to investigate the errors on my report but I still havent had any response from you I am not sure if I am doing something wrong but requesting to remove negative items that are inaccurate should not even be that hard. Please reinvestigate my situation or I might really take this complaint to the next level. I am following a dispute procedure from a certain law expert so please don't take this matter lightly

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 2021-11-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There are some negatives items in my credit report and dont belong to me JPMCB CARD Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation