vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i submitted dispute with XXXX  transunion, and XXXX  regarding collection on account XXXX XXXX XXXX XXXX XX/XX/18 and current results were that account was accurate how can it be if it wasn't fully investigated. I provided factual documentation to support reason to why the charges are inaccurate and that i am not responsible for debt today results for XXXX was completed and online but it would not let me dispute error on website unless there is something wrong with their system this needs to updated and deleted from credit report immeditely. i need adequate proof this is owed i want to know what XXXX XXXX XXXX  is providing you to say this debt is accurate have you contacted XXXX XXXX original creditor regarding this account..did you get documentation from XXXX XXXX XXXX  beside a lease and ledger car like they provided me. need answers how are you conducting your investigation do you have a team work on this or is this all generated automated .. did you even look through the lease and compare ledger does it align with the contract did you request additional supporting documents. did you request early termination addendum its no way you can say these amounts are accurate and correct to the best of your knowledge when i provided proof of a 60 day notice to management who agreed to let me out of lease she stamped and signed which doesnt hold me liable for amount requested. thank you please review documents

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i submitted dispute with XXXX XXXX, and experian regarding collection on account XXXX XXXX XXXX XXXX XX/XX/18 and current results were that account was accurate how can it be if it wasn't fully investigated. I provided factual documentation to support reason to why the charges are inaccurate and that i am not responsible for debt today results for experian was completed and online but it would not let me dispute error on website unless there is something wrong with their system this needs to updated and deleted from credit report immeditely. i need adequate proof this is owed i want to know what XXXX XXXX XXXX  is providing you to say this debt is accurate have you contacted waterford grove original creditor regarding this account..did you get documentation from XXXX XXXX XXXX beside a lease and ledger car like they provided me. need answers how are you conducting your investigation do you have a team work on this or is this all generated automated .. did you even look through the lease and compare ledger does it align with the contract did you request additional supporting documents. did you request early termination addendum its no way you can say these amounts are accurate and correct to the best of your knowledge when i provided proof of a 60 day notice to management who agreed to let me out of lease she stamped and signed which doesnt hold me liable for amount requested. thank you please review documents

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 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AL

Complaint narrative:
They will not allow me to link accounts to XXXX  accounting software which mainstreams my book keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: NJ

Complaint narrative:
Experian is a company that ruins people credit intentionally. I had several complaints about the reporting for 4 lates on my credit by XXXX XXXX. XXXX XXXX  agreed to update to current and never late I enclosed the letter to prove it. Please update my report. Im stuck now especially I was sick with XXXX XXXXXXXX I have proof. I NEVER WAS LATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: WA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
At this juncture i will like this report to be forwarded to the FTC against PORTFOLIO RECOVERY ASSOCIATES for abusive practices, and numerous violations of FDCPA rules. In a previous complaint number XXXX that has been closed, the company removed the false reporting from the credit bureaus but continued to send me notices and i responded to their notices the same way i have in the past, and again i check my credit reports today XX/XX/2020 and see they have AGAIN resisted andplaced this collection item back on my credit report after the removal It seems that PRA only removed the item to have the original complaint closed only to relist it again on my credit report. The LAST LETTER i received from PRA was DATED XX/XX/2020 and not even 3 weeks later they are again reporting this false item on my report without even waiting 30 days for a response yet again another violation from this agency. 


I have no debt with THIS collection agency. I have not agreed to the " assignment '' of the debt in writing or verbally. I have not received goods or services ( consideration ) from this collection agency. Your agency has sent a letter deeming this matter closed as your agency removed the account from my report and to date I find it relisted on XX/XX/2020, I will be taking more aggressive action against your agency, If your ( PRA ) agency fails to immediately remove fraudulent reporting on my credit reports which will result in a suit for monetary damages. 

I request that you and your agency provide me with the following good and valid evidence that is provable in a court of law : 1 ) a valid copy of the original SIGNED contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents or a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation. 

2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) A letter/contract of assignment attached with proof from the original creditor to PORTFOLIO RECOVERY ASSOCIATES, LLC that grants PORTFOLIO RECOVERY ASSOCIATES, LLC the authority to legally collect on the debt ; I have not agreed to the " assignment '' of the debt in writing or verbally. 

4 ) Proper and complete written notice concerning the debt ; 5 ) Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am trying to connect my personal banking info to a trade platform and the attached picture is the error I received. 

Why is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XXXX20 I submitted complaint ( XXXX ) in regards to Wells Fargo refusing to refund the aprox {$4000.00} I paid in full for my PMI when my loan was originated through XXXX XXXX  and the Wells Fargo chose to service my loan. 

Today, XXXX20 at XXXX I was contacted by Wells Fargo employee XXXX XXXX on a recorded line and she stated that after her investigation it was found that I would not receive my refund. She stated that the PMI was through XXXX XXXX with a commitment certificate and they stated they absolutely will not refund any of the remainder PMI although the loan has been paid in full. She stated it has nothing to do with them and they just manage the PMI for XXXX XXXX. I asked her for the documentation for this certificate and she stated she would provide that. I then asked her if in that documentation there were any disclosures stating if I paid the PMI in FULL it was non-refundable and if there were disclosures if I had signed any of those. She stated there were no disclosures signed by me. I then asked so how does that work? XXXX XXXX  apparently dealt with this part, but never was I advised I wouldn't be able to get a refund. In fact in the discussion it was explained to me that by paying the PMI in full I would be helping myself and saving money in the end ... .. and now they are trying to keep {$4000.00} that belongs to me. How is this just? How am I supposed to make an informed decision on whether to pay in full or do monthly payments and what is best so I don't get my money taken from me if I am not properly informed?! 

XXXX continued to distance herself from this and stated it was not Wells Fargo, but I needed to take my complaint and concerns up with XXXX XXXX. Wells Fargo chose to service my loan so they are just as much a part of this as XXXX XXXX. I wasn't even aware of who XXXX XXXX was. 

The fact of the matter is, I was not given proper disclosures, I want the remainder of my PMI refunded to me.

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 2020-06-01 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$3500.00}

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 2020-06-01 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$3500.00}

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 2020-06-01 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: GA

Complaint narrative:
XXXX XXXX/XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX   XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ON XXXX ) UNAUTHORIZED INQUIRES 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 GA XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX # XXXX NOT MY ACCOUNT ( DISPUTED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: GA

Complaint narrative:
XXXX XXXX/XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX  XXXX  XXXX NOT MY ACCOUNT ( DISPUTE SENT ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX   XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ON XXXX ) UNAUTHORIZED INQUIRES 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 GA  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX # XXXX NOT MY ACCOUNT ( DISPUTED XX/XX/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 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
US Bank has refused to refund monies that they put into an escrow account for insurance on the property, and I provided documentation stating that I had been paying a private company for insurance. They had my address incorrect for the time in which they have charged me for insurance ; they also moved their company so insurance company could not fax them correct information. I have tried numerous times to get this resolved ; however they will not budge. My local banker has spent HOURS on the phone with them, trying to resolve this for me ; and everyone he spoke with agreed that the money should be refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
It will not let me connect my account with the XXXX XXXX. I am employed and have checks deposited every other Friday.

Company response to consumer: Closed with explanation