vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE THOSE INACCURATELY PLACED INQUIRIES NEEDS TO BE REMOVED OFF MY 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 non-monetary relief
Consumer complaint received 2019-10-29 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XX/XX/2019 After trying to dispute a credit card by Synchrony Bank that was in my name in the amount of {$1200.00} with XXXX, they decided the information was correct even though I have never owned a credit card with Synchrony Bank on my report. 

My address that I use is incorrect, and I have never signed any agreement allowing Synchrony Bank to open a credit card in my name. 

When attempting to reach out to XXXX over the phone ( which is what they require ), it is impossible to speak to a human to add details to my dispute and go over the fraudulent information. Now due to a result of incorrect reporting, Synchrony Bank is consistently damaging my credit, therefore rendering me unable to rent an apartment in my city. 

I have worked extremely hard to keep good standing credit, and prevent fraud in my name which has happened in the past. Synchrony Bank is known for having shady business practices, and unsecure/unfair credit reporting which is why I have never chosen to bank with them. 

Attempting to speak with someone from Synchrony Bank who is competent or speaks any fluent XXXX is impossible, and they are immediately unwilling to assist without certain information that I do not have knowledge of. 

I would like to hold XXXX responsible for the damages occurred as well as Synchrony Bank. If the report is not fixed in the future, I will be taking legal action to clear my name so I can freely rent and apartment in my city.

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 2019-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TCF NATIONAL BANK
State: KY

Complaint narrative:
Re : Gateway One Lending I paid total balance of my auto loan. But they continue to withdraw bimonthly payments and deny it when I have called them. Re : loan # XXXX. On XXXX a payment was sent to pay off the total balance of my car loan. On XXXX and again on XXXX they continued to take bimonthly payments from my checking account for {$230.00} each time. Every time I call them -- they deny that they are doing this. On XXXX I spoke with " XXXX '', he informed me this must be someone else taking money from my account. All of transactions have always been listed as " XXXX '' # XXXX with each deduction. I disputed/claim # XXXX with my bank XXXX XXXX on XXXX. I have since been informed my bank has denied the dispute because my request was not submitted during the merchant 's required time frame. 
I want my money they took out my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, I opened with my wife ( XXXX ) a checking account in response to a promotion offered by Wells Fargo. The promotion offered to pay us {$400.00} if we established a new checking account with automatic monthly deposits. When we opened the account, we informed the account rep, XXXX XXXX, that my wife is a school teacher and wont be receiving a pay check or automatic deposit during one month of XXXX. XXXX represented to us that there is a 60 day grace period to make automatic deposits for purposes of receiving the {$400.00} promotion payment. On XX/XX/XXXX, I contacted Wells as I had not yet seen a {$400.00} credit to our account. The Wells Fargo rep said that we didnt qualify for the {$400.00} credit because we failed to make three deposits in a row within a five month period. I informed the rep what XXXX had represented to us regarding a 60-day grace period. The rep opened a case regarding the matter to research if we were eligible for the {$400.00} based on what XXXX represented to us. I followed up with Wells by calling on XX/XX/XXXX. The rep said that no case manager had been assigned to our case. I called Wells again on XX/XX/XXXX and was told a case XXXX, XXXX, was assigned to the case. I was transferred to XXXX and XXXX told me that the Promotions Team was reviewing the matter and that he would contact me within one week to update me. After not receiving a call from XXXX, I called him on XX/XX/XXXX and he was gone for the day. I left a message for XXXX to contact me. As of today, XX/XX/XXXX, I have not heard from XXXX and there is still no resolution to this matter.

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 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My husband and I were with another mortgage company. It was bought out by PHH Mortgage Services. We sent in one check to be applied to two loans with the company. After PHH had received three of our checks we received a notice in the mail about foreclosure on one loan. We called and talked to someone and they said it would get fixed. My husband was told that we had to submit another check for the other loan acct so we did. Next month after another notice of foreclosure showed up. When I tried calling they said i wasnt on the acct so i couldnt do anything until my husband called in to get this fixed. So he did and he talked to someone about fixing the issue of the supposed debt. PHH reps have told us over and over at least 20 times if not more that this will get corrected and it hasnt been corrected. I just spoke to a lady 2 weeks ago and she said we missed the first payment. Even though the other loan was paid. So upon talking to her she told me the payment for the default loan was just gone and there was no proof that the money was there to pay it. So i told her the check number and told her to look up the other acct and see what was paid toward that the first month. So she finally saw that there was extra money put on that acct. She said she would correct it. Well just today received yet Another statement from them saying we have a late charge applied to our acct. I have tried 4 times today to contact them and there is technical difficulties with their phone. I know our credit is being affected by this along with our home. We can't afford an attorney to take care of this and we shouldn't have to it is PHH 's Fault on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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:
In the summer of XX/XX/XXXX two collection accounts from XXXX XXXX  XXXX XXXX appeared on my credit report. One was for the amount of {$110.00} and the other for {$5.00}. 
1. I had never heard of this medical facility, let alone did I remember ever visiting there. I hadnt even received a billing statement from them or been contacted by them in any way. 
2. It seemed particularly odd that, if this information was correct, I would have been billed for two varying amounts. 

I disputed this information with XXXX and it was promptly removed from my credit report. On XX/XX/XXXX, I filed a dispute with Equifax to have it removed from that report. To my surprise, they denied the dispute on XX/XX/XXXX. In addition to the bizarre circumstances under which this collection appeared on my credit report in the first place, it is even more unbelievable that it could be found inaccurate by one credit bureau but not by another. 

If XXXX determined that this information should be removed from my credit report, Equifax should be required to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been repeatedly contacted by a company named, " XXXX XXXX '' claiming to be a legal company filing a subpoena for a client that will result in a claim, lien, or judgement. They have called my repeatedly for the past month or so. 

The original debt was with Wells Fargo for a credit card that went into default. I believe it was in XX/XX/XXXX or XX/XX/XXXX. It was settled through a collection company in XX/XX/XXXX through a collector called the XXXX group that was able to provide proof of the debt. I've attached it below. 

When questioned if I can send them proof that the debt was settled, they said they would include it in my file, but still file in court. When I informed them that it was settled, they said repeated that it would be filed in court and I could expect to be served at my residence or place of employment. When I asked them to stop calling me, they informed me that they were not a debt collector and reiterated that they were a legal company. 

Despite the debt being a decade old, it also appears that Wells Fargo is still selling the debt, as this pops up every year or two.

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 2019-10-29 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: NC

Complaint narrative:
In XX/XX/2019 After trying to dispute a credit card by XXXX XXXX that was in my name in the amount of {$1200.00} with Experian, they decided the information was correct even though I have never owned a credit card with XXXX XXXX on my report. 

My address that I use is incorrect, and I have never signed any agreement allowing XXXX XXXX to open a credit card in my name. 

When attempting to reach out to Experian over the phone ( which is what they require ), it is impossible to speak to a human to add details to my dispute and go over the fraudulent information. Now due to a result of incorrect reporting, XXXX XXXX is consistently damaging my credit, therefore rendering me unable to rent an apartment in my city. 

I have worked extremely hard to keep good standing credit, and prevent fraud in my name which has happened in the past. XXXX XXXX is known for having shady business practices, and unsecure/unfair credit reporting which is why I have never chosen to bank with them. 

Attempting to speak with someone from XXXX XXXX who is competent or speaks any fluent XXXX is impossible, and they are immediately unwilling to assist without certain information that I do not have knowledge of. 

I would like to hold Experian responsible for the damages occurred as well as XXXX XXXX. If the report is not fixed in the future, I will be taking legal action to clear my name so I can freely rent and apartment in my city.

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 2019-10-29 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I filed four separate rounds of dispute letters to each of the three Credit Reporting Agencies ( XXXX, XXXX, and Equifax ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX. Requesting that the Bankruptcy being reported on my Consumer Credit Report, and all associated accounts with this bankruptcy be removed since this information has not been verified. Per the FCRA all information reported on a consumer 's credit report must be verified as accurate and correct. 

I sent in four separate dispute letters to each of the three Credit Reporting Agencies and was told on four separate occasions, by each agency that the information was verified as belonging to me. However, there was no supporting evidence sent to me to show that an investigation was ever done. 

Per the FCRA, all information entered into a consumer 's credit report must be verified with the original party involved, and can not be verified by a third party. I have a letter dated XX/XX/XXXX from the Clerk of Court, U.S. Courthouse stating that their office does not disclose bankruptcy information to Credit Reporting Agencies, or third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Hello, We desperately need to obtain the title OR a lien payoff letter for a vehicle, a XXXX XXXX XXXX. We have repeatedly mailed and faxed this request for a number of months. When I call Ally Customer Service they indicate that there is no record of this lien. I have been calling for three months. 

Ally bought out XXXX, which owned the XXXX XXXX XXXX that held the lien on this vehicle. The lien has been paid off for a number of years!!!! 

VIN # XXXX TITLE # XXXX ISSUED XX/XX/XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX XXXX Cell XXXX Land

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 2019-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: SC

Complaint narrative:
XXXX XXXX ( solar installer ) used predatory practices to get me to sign a solar contract with them and they're the company that brought Mosaic ( lending agency ) to the table. Mosaic as the leading agency paid the invoices for the work that they said was complete but was never working, does that sound complete to you? I was told by XXXX XXXX XXXX that i would not have a utilities bill and if i did that XXXX would add panels until they got my bill was offset. I learned thats not true because when the sun goes down with this system that i would need power from my utilities company. Also XXXX XXXX XXXX told me that i would be getting a XXXX tax return again not true i would get a tax credit which ill never use before runs out. i would never have signed the contract if i had truly known the truth of how solar really worked. And because of the predatory practices used by XXXX and Mosaic am locked into a 20 year contract that since am not getting the refund as i was told by there solar specialist i want be able to pay the 33 % of loan off before the 16 months ends which will lock me into 20 years of XXXX month payment without ever lowering payment on top of using XXXX worth of power from my utilities company. Am not the only person that XXXX & Mosaic have done this too. Mosaic dosent seem to care that my system doesn't work or the way that XXXX went about obtaining a signed contract

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE THOSE INACCURATELY PLACED INQUIRIES NEEDS TO BE REMOVED OFF MY 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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE THOSE INACCURATELY PLACED INQUIRIES NEEDS TO BE REMOVED OFF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I first began my membership with NFCU as a joint owner on another member 's checking account and while on that account, I experienced an instance of a fraudulent ATM withdrawal at a NFCU ATM for {$500.00}. I filed a fraud claim on the transaction and was issued an immediate provisional credit for the charge. Approximately 30 days ago, I processed the formal removal of myself from that account and opened my own personal Account with them separately. Subsequently to having done these things, NFCU decided to deny the claim and reverse the provisional credit that was previously issued for {$500.00} but instead of deducting this amount from the same account in which it had been deposited, they illegitimately changed over to my newly opened personal account and withdrew the funds from there instead of the matching account which it originated in the first place. The two accounts have nothing linking them and the institution had no right to debit these funds from my account and I am alleging fraud at this juncture. I have attempted contact numerous times and received no help and now need intervention.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I have never received anything in writing about this debt and it has been placed on my credit report as a collection. I believe this may be a time barred debt from XXXX, yet the collection agency put this on my report as if it was opened in XXXX of XXXX. The statute of limitations has passed on this debt and I would like for this to be removed from my credit immediately and for all the " hang up '' and repeated phone calls to end 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 2019-10-29 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: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis is reporting incorrect information to the insurance agency which has nearly doubles our home and Auto insurance. 
They are reporting an accident and claim from XX/XX/2018 this is not accurate. 

The XX/XX/2018 accident was another individual who was driving my daughters car. 
My daughter had her own Auto policy through XXXX XXXX XXXX that was separate from ours. 
We also have A XXXX XXXX XXXX policy, but again our daughter is not on it now nor was she on it at the time of the accident and XXXX XXXX is very aware of this because that incident is currently in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I filed four separate rounds of dispute letters to each of the three Credit Reporting Agencies ( TransUnion, XXXX, and XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX. Requesting that the Bankruptcy being reported on my Consumer Credit Report, and all associated accounts with this bankruptcy be removed since this information has not been verified. Per the FCRA all information reported on a consumer 's credit report must be verified as accurate and correct.

I sent in four separate dispute letters to each of the three Credit Reporting Agencies and was told on four separate occasions, by each agency that the information was verified as belonging to me. However, there was no supporting evidence sent to me to show that an investigation was ever done. 

Per the FCRA, all information entered into a consumer 's credit report must be verified with the original party involved, and can not be verified by a third party. I have a letter dated XX/XX/XXXX from the Clerk of Court, U.S. Courthouse stating that their office does not disclose bankruptcy information to Credit Reporting Agencies, or third parties.

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