vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TN

Complaint narrative:
I switched to XXXX from XXXX with the promise by XXXX to pay my 2 phones off. Months later, I received a letter informing me that XXXX had not paid the phones off. 

I was offered a {$500.00} settlement by XXXX debt collector XXXX XXXX And XXXX XXXX, from OH. On XXXX, I made the payment for {$500.00} using my debit card. 

But every few months, XXXX continues to hand the already paid debt to other collectors. My credit continues to take unfair hits for this. 

I am being harassed and harmed by this unethical behavior. 

XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not XXXX days late. 
XXXX Account Number  : XXXX Please correct/update this inaccurate information on my credit report. 

3. This Account was not XXXX days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This Account was not XXXX days late. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

10. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

11. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2020-12-03 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: WA

Complaint narrative:
I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XXXX/XXXX/2020, XXXX/XXXX/2020, XXXX/XXXX/2020, including a complaint warning letter dated XXXX/XXXX/2020. I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This Account was not 30 days late. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

10. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

11. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a WELLS FARGO checking and savings account and i got a notification that a inquiry was sent to view my credit report for both accounts. Which was unnecessary but fine. Than friday i received a notification that a credit card application inquiry had been made. So I go up to wells fargo and the account that pulls up with my social is in a different name and address according to the teller. I am referred to a banker. About 10 minutes later the banker comes to get me and notifies me that the information is incorrect. He corrects everything except my phone number. Which is the only way WELLS FARGO can verify me over the phone. He also stated that there is no credit card in my name. Which doesn't explain why there was a credit card inquiry ran against my credit. I ask for my account number and he says since I opened it online I have to wait for it in the mail. 

Wells Fargo is the only bank in the history of banks that I have used that does not allow you online access to your account immediately. 

Wells Fargo shows no effort to care about their customers identity. Despite them confirming the account had the wrong information on it with my social they can't help me access the account to verify myself. If my identity is stolen there is nothing Wells Fargo is willing to do to help me recover the account. 

This seems like a very shady business. I do not know how they stay in business.

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 2020-12-03 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: MS

Complaint narrative:
This organization has reported this account as delinquent.. This account is active and has a positive balance and has been paid frequently! Reporting is as such should break FCA ... 24?!? Dollars Really!!! And I am a Veteran! Really sad our country have come to this!

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 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
I joined XXXX  XXXX XXXX on XXXX/XXXX/2020 because they had a deal, but my credit card was locked during their billing and I decided that this gym wasn't for me. I sent my request to cancel my gym membership and it was canceled on XX/XX/XXXX, however I started getting charges that did not match the agreement I signed. I reached out to the manager of the gym on XXXX/XXXX/2020 and was completely ignored and disregarded. On XXXX/XXXX/2020, I requested an itemized bill by going to the website that does the billing for XXXX  XXXX XXXX. I still continued to be billed even after I asked them not to by revoking authorization to my credit card. On XXXX/XXXX/2020 I received an email marked " Final Attempt '' to make a payment but still no itemization nor an explanation of bogus charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX # XXXX, Failed to inform me 15 days before i was to pay the new company of them selling my loan, it is now the 2nd i have not heard from sterns or the new company and i have no idea who i am supposed to pay as XXXX keeps hanging up on me. I can only assume at this point they are giving me the house for free or are illegally trying to take it out from under me by making it impossible to pay.

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 2020-12-03 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 a victim of identity theft and i was trying to refinance my car on XX/XX/XXXX at XXXX XXXX XXXX, but I was declined because there is two ( U.S. DEPARTMENT OF EDUCATION XXXX XXXX accounts reporting badly on my credit report that do not belong to me. I was unaware of these accounts until XX/XX/XXXX because I never applied for these loans. My personal information Driver 's license and Social security card among other personal belongings was stolen from my home on XX/XX/XXXX, which a police report was made from that incident. Someone opened these accounts under my name and personal information without my consent or authorization. I filed a police report for this identity theft with XXXX XXXX XXXX XXXX as its an ongoing investigation, no arrest have been made yet. I never received any money, goods, or services from these accounts and I need these accounts blocked from my credit as they are a direct result of identity theft. All my statements are true and correct to the best of my knowledge.

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
the credit reports are FCRA violations i'm trying to buy a house please correct this ASAP or i'll be suing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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 a victim of identity theft and i was trying to refinance my car on XX/XX/XXXX at XXXX XXXX XXXX, but I was declined because there is two ( U.S. DEPARTMENT OF EDUCATION XXXX XXXX accounts reporting badly on my credit report that do not belong to me. I was unaware of these accounts until XX/XX/XXXX because I never applied for these loans. My personal information Driver 's license and Social security card among other personal belongings was stolen from my home on XX/XX/XXXX, which a police report was made from that incident. Someone opened these accounts under my name and personal information without my consent or authorization. I filed a police report for this identity theft with XXXX XXXX XXXX XXXX as its an ongoing investigation, no arrest have been made yet. I never received any money, goods, or services from these accounts and I need these accounts blocked from my credit as they are a direct result of identity theft. All my statements are true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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 a victim of identity theft and i was trying to refinance my car on XX/XX/XXXX at XXXX XXXX XXXX, but I was declined because there is two ( XXXX XXXX XXXX XXXX XXXX ) accounts reporting badly on my credit report that do not belong to me. I was unaware of these accounts until XX/XX/XXXX because I never applied for these loans. My personal information Driver 's license and Social security card among other personal belongings was stolen from my home on XX/XX/XXXX, which a police report was made from that incident. Someone opened these accounts under my name and personal information without my consent or authorization. I filed a police report for this identity theft with XXXX XXXX XXXX XXXX as its an ongoing investigation, no arrest have been made yet. I never received any money, goods, or services from these accounts and I need these accounts blocked from my credit as they are a direct result of identity theft. All my statements are true and correct to the best of my knowledge.

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 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
On Tuesday, XX/XX/2020, I received a notification from XXXX XXXX that a negative entry had been put on my credit files with the various Credit Bureaus. When I logged into look at the filing, I was able to determine that Waypoint had filed the notification for the amount of {$260.00} on behalf of XXXX XXXX. To this point, I had never been called, emailed, or received a written notice of the alleged debt. I then looked up Waypoint, XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX and sent an email to them at XXXX on XX/XX/2020 @ XXXX. I provided my name, SS #, and current mailing address. I requested ( 1 ) Validation Notice. ( 2 ) removal of the negative Credit report, & stated that all monthly bills with XXXX had been paid on time through auto debit directly from XXXX. Waypoint promptly responded via email on XXXX/XXXX/2020 that they will mail out the requested documents. 

As of XXXX/XXXX/2020, I have not received any documents, validation of the debt, or further communication from them. I then sent an reply email XXXX/XXXX/2020 @ XXXX stating they have failed to provide the documentation and that they need to invalidate the alleged debt and remove the negative information from all of the credit bureaus. I also let them know I would be filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of Identity Theft and these fraudulent accounts have caused me tremendous stressed as well as job opportunities. I have sent Equifax multiple dispute letters as well as faxes regarding these fraudulent accounts. I am requesting for the following accounts to be blocked and removed immediately due to fraud and identity. I have never opened any of the following accounts listed below : 1. XXXX XXXX XXXX XXXX BALANCE : {$2400.00} 2. XXXX XXXX XXXX BALANCE : {$3100.00} 3. XXXX XXXX / XXXX XXXX XXXX BALANCE : {$3800.00} 4. XXXX XXXX / XXXX XXXX XXXX BALANCE : {$0.00} 5. XXXX XXXX / XXXX XXXX XXXX BALANCE : {$3300.00} 6. XXXX XXXX XXXX XXXX BALANCE : {$8600.00} 7. XXXX XXXX XXXX XXXX BALANCE : {$5200.00} 8. XXXX XXXX XXXX XXXX BALANCE : {$1100.00} 9. XXXX XXXX XXXX XXXX | XXXX BALANCE : {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Based on the recommendation of our vet and due to an expensive procedure one of our dogs is having she recommended applying for Credit Care with Synchrony Bank. This would allow us to pay off the cost over 6 to 12 months interest free. I completed the application after removing a credit freeze on one of our credit monitoring reports. I called them to let them know it had been done and the agent wanted to talk with my husband under whose name the card would be issued. She asked for our phone numbers and even though this was provided on the application she said it didn't correspond with what she had and told us we would need to submit a video of my husband 's head and also take a picture of his license. This felt like an invasion of our privacy but we attempted to do it anyway. We failed after the allowed four attempts to accurately video my husband 's head so I called them back to tell them we were having trouble with this step. They indicated they could allow more attempts, but I remarked it would do no good as the first 4 attempts didn't work. I said please visually look at the video and DL and they could see it was my husband applying. But they declined our request to open credit with them. Mind you, we had previously opened another account with this company that took seconds to open. I closed that other account today, due to the treatment we received from them. This is wrong on so many levels. We have great credit and never had a problem before. They said it was to prevent identity theft. I'm concerned that my husbands driver 's license and video is in their files and available to any one who would hack their company. Where's the protection from identity theft there? We would like the videos and DL picture of my husband to be removed from their files. We do not want a credit card from this company anymore as we were treated so badly. I even talked with a XXXX and got nowhere. I have to admit by the end I was pretty angry.

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 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am always getting confused with my father who lives with me. He is XXXX XXXX My bother is Jr. and I am the middle son. This is not my debt and I do not know what it is! I continue to dispute the debt with the credit bureaus but they have not helped me and I need help! 

and to make matters worse this collection company keeps updating this account monthly to refresh it to make it look like it is a new account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX, 2020 I sold a home and the mortgage secured by the property was paid in full by XXXX XXXX, 2020. The lender is XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Arkansas XXXX ( XXXX ) XXXX. The mortgage note was for {$340000.00}. The lender removed the mortgage from my credit report on XXXX XXXX, 2020, which was correct. On XXXX XXXX, 2020 the lender added the mortgage back to my credit report which is not accurate ; I called them and to dispute this and they removed it again from my credit report within 24 hours. On XXXX XXXX, 2020, the lender added the debt, again, to my credit report. I attempted to contact them to correct this situation and it has not been resolved. 

I want them to stop adding this to 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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, 2020 I sold a home and the mortgage secured by the property was paid in full by XXXX XXXX, 2020. The lender is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, Arkansas XXXX ( XXXX ) XXXX. The mortgage note was for {$340000.00}. The lender removed the mortgage from my credit report on XXXX XXXX, 2020, which was correct. On XXXX XXXX, 2020 the lender added the mortgage back to my credit report which is not accurate ; I called them and to dispute this and they removed it again from my credit report within 24 hours. On XXXX XXXX, 2020, the lender added the debt, again, to my credit report. I attempted to contact them to correct this situation and it has not been resolved. 

I want them to stop adding this to my credit report.

Company response to consumer: Closed with explanation