vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: IN

Complaint narrative:
Got an alert on my report that there was a collection on my account from an unknown collector from an unknown source that says they are collecting from a lender that is also unknown and nowhere to be seen anywhere on my credit file anywhere past or present and I have no knowledge of ever using this lender for any services. I request the collection agent delete this account off all the reporting agencies and stop all attempts to collect any debts that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has denied my refinance based on inadequate insurance. That in itself isnt why Im registering a complaint against Wells Fargo. Wells Fargo has used my application for refinance as a method of extracting funds from me for their own profit while knowing at the time that I would not qualify for refinance. Wells Fargo took fees from me for an appraisal and credit report at a time they had the information about my insurance that they used to disqualify my application. Wells Fargo services the existing first mortgage on the same property. 

After they indicated that they would not allow my refinance with them they refused to release the documents that would be needed to transfer that appraisal to another lender so that I could use the appraisal I paid for. The reason Wells Fargo will not release the document that would allow the transfer of the appraisal I paid for is because that document would show that Wells Fargo actually charged me more for the appraisal than they paid for it, making money on that appraisal while knowing they would deny the refinance. This is unscrupulous and is proof that Wells Fargo extracts funds from unsuspecting clients.

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 2021-07-27 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This company is erroneously reporting late payments on my credit report I have not made a late payment, this has caused my credit score to drop 120 points which is causing harm in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACS Education Services
State: GA

Complaint narrative:
DEPTEDXXXX They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). 
Dates : XX/XX/XXXX- current. 28 accounts that they have transferred to collections. 
Amounts are as follows : {$2000.00}, {$1200.00}, {$1100.00}, {$3500.00}, {$2700.00}, {$4000.00}, {$7900.00}, {$2300.00}, {$3300.00}, {$2700.00}, {$3500.00}, {$4500.00}, {$6000.00}, {$3500.00}, XXXX They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/21 Enter a credit transaction to obtain a vehicle in accordance with TILA under the CPA. I was not given the full amount of my finance charge but was told I preapproved for some small amount that was less than half of the finance charge itself. Me knowing pursuant of 15 usc 1602, I was extending credit to myself, which means I shouldn't have been denied this Credit Transaction that took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: AL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus for a company called Credit Collections. The company is is reporting inaccurate account name, no of months, payment status, last reported, Date of last activity, and date of last active. This is a violation. I have disputed this information several times starting at XX/XX/2021. I have not received a response. They had had plenty of time to investigate and respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TX

Complaint narrative:
According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. I am requesting that these accounts be deleted. 

XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX -UNVERIFIED ACCUNT XXXX XXXX XXXXXXXX XXXX XXXX-UNVERFIED ACCOUNT XXXX XXXX XXXX- UNVERIFIED ACCOUNT XXXX XXXXXXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, Texas XXXX XXXX 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 2021-07-27 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: TX

Complaint narrative:
According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. I am requesting that these accounts be deleted. 

XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX -UNVERIFIED ACCUNT XXXX XXXX XXXXXXXX XXXX XXXX-UNVERFIED ACCOUNT XXXX XXXX XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: MA

Complaint narrative:
Numbers from California ( the most recent being XXXX ) have been calling me since XX/XX/2020. They leave automated voicemails claiming to be from FCR Collection Services and claim I owe a debt on a textbook rental. They say to call back or go to XXXX. This debt does not exist and I believe this is a scam. I have blocked dozens of their phone numbers and they keep calling me through new ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
My husband and were mid process refinancing our mortgage with M & T Bank. We were not asked to provide any contract information for employment verification. Instead on XX/XX/2021, M & T Bank sent a companywide email to everyone ( Over 700 employees ) at XXXX where my husband is employed. The email was sent from one of their employees whose job title includes " foreclosure specialist '' and asked if my husband worked at XXXX. So, now, everyone employed at XXXX believes that our family is going through a foreclosure. This is not only humiliating and embarrassing but is also extremely detrimental to his professional persona. This is a violation of the Right to Financial Privacy act.

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 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consolidated Credit Solutions, Inc.
State: TX

Complaint narrative:
I paid Consolidated Credit Solutions to consolidate my debt and make payments on my behalf. I was falling behind and i did not want my credit to suffer. They told me they could help me. After i enrolled with them, they told me as long as i made my monthly payments to them, that they would make my monthly payments to my creditors. They did not do this. Instead, they. waited for me to finish paying off my total package to them, then they turned around and paid all my debts. Meanwhile, instead of fixing my credit, it made it worse than before because since they were not paying what they said they would, the debts were just showing up late on my credit report. I have tried to reach out to the company and they have been no help and now me and my fiance and XXXX XXXX  are struggling to get a home loan because of my credit score. They were supposed to help me and have really made my situation worse. And i have paid them IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: LA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I accidently sent an electronic payment of XXXX to Barclay Bank Credit card in XX/XX/2020 through my XXXX XXXX online banking account. 

The credit card was discontinued several years ago but was still on my list of payees. 

I contacted Barclay customer service and they said the payment was sent to another bank as the credit card was sold to them. I never had an account with the other bank and they have no record of me as a client. 

XXXX XXXX  gave me XXXX XXXX to work with because they are the electronic transmittal service. 

XXXX has made numerous phone calls with me on the line to Barclay. XXXX has faxed ( the only way Barclay will accept ) the proof of payment several times. Barclay agents keep saying they have not received proof and will not return my money.

It has been over 7 months and I want them to returnt my money.

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 2021-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo closed all 5 of my accounts with no explanation to me or advance notice. Their actions caused my credit report to drop 35 points causing me great financial harm. I want my credit rating to return to what it was before Wells Fargo decided to close all of my accounts.

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 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Lending Club Corp
State: VA

Complaint narrative:
On XX/XX/2021 my bank ( XXXX XXXX XXXX XXXX ) sent me letter for the transfer of {$18000.00} to Lending Club NA in XXXX XXXX which i requested. I provided them this account number ( XXXX ) on the check and this address ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX ) but they omitted the XXXX XXXX. 

The check went and it was endorsed and cashed at XXXX XXXX XXXX  on XX/XX/2021 onto Account Number XXXX. 

Lending club contacted me again that they have not receive the money. I went back to XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX to inform them of what has happened. They sent me to go to XXXX XXXX XXXX  to ask about the account used to cash the check if the account belong to XXXX XXXX XXXX XXXX in XXXX XXXX and i did. XXXX XXXX bank told me that they can not deal with me since the check came from XXXX XXXX so they have to open fraud investigation and work with their fraud investigation team. I went back to XXXX XXXX XXXX XXXX and they are not willing to do it. They are trying to distance themselves. 

I have also called XXXX XXXX XXXX XXXX also to investigate the account use if it was for them and transfer the money to close my loan account and they are also refusing to do that. I have provided them a copy of the check and the endorsement and my statement that show the transfer of {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I originally sent letters to all 3 credit bureaus regarding inaccurate information I found on my report on XX/XX/21. Referencing an alledged account with credit acceptance and inquiries that were also unauthorized. The letters were all sent certified mail and verified as recieved. 3 weeks later I recieved letters from each bureau. XXXX notified that they have corrected the issue by deleting the referenced credit acceptance account from my account but have yet to remove inquiries. XXXX and XXXX have both claimed to have verified the information with the creditor as accurate. I have sent letters to both bureaus on XX/XX/21 requesting the method in which they verified those accounts and I am still waiting on response. Credit acceptance has not responded at all. 

I have attached a screenshot of this account on my report where you can clearly see this account has been RE-AGED by the creditor which is a clear violation of law. Obviously the processes and procedures of XXXX XXXX and Credit acceptance are all flawed and are not setup in a way to be accurate and fair to its consumers.

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 2021-07-27 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: CA

Complaint narrative:
This company is erroneously reporting late payments on my credit report I have not made a late payment, this has caused my credit score to drop XXXX points which is causing harm in my life.

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 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have called the 3 credit reporting agencies multiple times, Experian, XXXX XXXX to please correct the personal information on my account. The have not corrected the inaccurate information they are reporting. 

I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information. 

I called on XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2021-07-27 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: TX

Complaint narrative:
I need help ... I disputed these accounts several time and not one since credit bureau is responding to my dispute request .... I want these negative items deleted immediately. 

XXXX XXXX XXXX XXXXXXXXXXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXXXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX no knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 
XXXX XXXXXXXXXXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XXXX XX/XX/1979

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 2021-07-27 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
XX/XX/2019 a account opened with my information at FNB OMAHA. This is identity fraud and I did not do this. The limit on it was {$1500.00} and was used past the limit and was being paid over 30 days late. I can not get a hold of the company and would like help.

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 2021-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vericred Solutions LLC
State: TN

Complaint narrative:
I owed money on a car that I had to surrender due to loss of employment back in XXXX. I was told by XXXX that it was charged off but the debt kept on getting added back to my credit report every year. I had to dispute it every year to get it removed, they added it back to my credit report this year ( XX/XX/XXXX ) as a brand new collection account with no reference to the XXXX XXXX account. I called VeriCred and spoke to a lady that agreed to send me an e-mail that links the original XXXX account to the new collection account they posted, XXXX became aware we needed this to proceed with our home loan and hijacked the call. I asked XXXX XXXX ; who is the Vice Executive Presdident of Operations for VeriCred Solutions LLC, to send me an e-mail with a report stating that this was for the XXXX XXXX account not a new account but he refused to because I needed this to prove to my lender that this was not a new account which VeriCred was trying to make it look like, and even lied to me saying that this is not linked to the XXXX XXXX account and it was a new debt as of XXXX. Since the way they posted it to my credit it makes it look like it is a new collection account. He told me over the phone that he will not help us close on our new home ( sending me a debt verification e-mail ) unless we paid him {$4000.00}, otherwise he isn't going to send over anything to verify the debt with our lender. His name is XXXX XXXX with VeriCred Solutions LLC.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation