vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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: Home Point Financial Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. 

Unfortunately, the little issue that I currently have is that, there are two late payments showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: AL

Complaint narrative:
THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # 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 2020-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/20 I was scammed out of {$200.00} on Cash App while trying to buy a sweet puppy. On XX/XX/20 I emailed CashApp about the scam and sent picture evidence and I told my bank about it for a chargeback on the fraud ( on XX/XX/20 and they did nothing about it and did not approve my chargeback refund from my bank. I do not understand how Cash App/ Square ( parent company ) is still in business if they have proof of a scam and still won't return peoples money when they request it via a bank, I do not feel protected as a consumer right now. 

They basically said, oh well we can't help you and they did not refund my money when I requested a chargeback from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/20 I deposited a check into my account by mobile deposit for {$1200.00}. I discarded the check by throwing it away in the trash and the money was credited to my account. On XX/XX/20 I check my account and noticed some money was missing. I called the bank Wells Fargo and they informed me that the check was deposited twice. They told me the check was also deposited on XX/XX/20 at a XXXX  XXXX  into someone elses account. The bank never contacted me to inform me of the situation but kept accusing and calling me a thief. I have been calling almost everyday to get this resolved but havent received any resolution. I have filed numerous complaint with then and also no resolution.

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 2020-10-02 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: AL

Complaint narrative:
THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM 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 2020-10-02 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: AL

Complaint narrative:
THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM 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 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I notices there are A LOT of inaccurate information including personal information ( name, address ), account information inaccuracies including but not limited to incorrect or inaccaruate balance, terms, dates of reporting, mis-information regarding account information. Furthermore, late payments Listed under the collection account name account number from my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency this collection claiming a history of late payments is a false representation to my relationship with them they can not report any payment history on the account from the alleged creditor before them a collection is by default derogatory this goes without saying please delete ALL negative information from my credit report immediately ( I have provided proof of negative informtion in this letter. Under the FCRA certain inaccurate information in all reports ( XXXX, XXXX, and XXXX  ) also to include third party consumer reporting agencies. The following are violating my consumer rights : NEGLIGENT VIOLATION- failure to comply with the FCRA Litigation Activated- violated the FCRA by negligently Failing to follow reasonable procedures for ensuring the accuracy of consumer information.

Failing to properly investigate or reinvestigate a consumers dispute.

DAMAGES AND REMEDIES- failure to comply with the FCRA I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

I am requesting that the item be [ removed, updated, or other suggested change ] to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I was called on my cellular phone by Cedars Business Services for a supposed debt collection measure arising from a XX/XX/XXXX incident which never had occured. I had not seen any letter from the company prior to this phone call. It was for a supposed non-US parking violation outside of the United States in XXXX. The person on the phone insisted I was in violation and must pay immediately. 

I explained in the phone conversation that no amount is due, no infraction was ever done, and that calling as a debt collector is not appropriate without any letters of information. Following the phone call I was sent a letter. I immediately sent an email explaining my position of an incorrect / erroneous debt collection, which was outside of the United States and never sent to me. I had never been in violation of anything during this time period. 

The company 's phone number is XXXX They are at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Was scammed over cash app. I attempted to try and talk to a representative but they all sent me the same generic response. Id like my XXXX back. I was scammed and I asked a refund and they denied it. Horrible customer service impossible to acty have a conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Resolve Partners, LLC
State: OH

Complaint narrative:
On XX/XX/2020 I submitted an application for a rental property company denied me per email I requested my report that has not been provided to me.I have contacted the individuals XXXX XXXX XXXX ) that hired third party ( RESOLVE ) to conduct background and credit check. I feel that are discriminatory due to the fact that they are telling me to contact someone that they hired to conduct a check on myself. I have contacted Resolve on several occasions in which I have left a message sent emails and spoke w/a representative yet I have not received the denial based on my report. Perhaps criminal activity is going on with this company with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA

Complaint narrative:
We have recently refinanced our home and found out Cardinal Financial incorrectly filed a lien on our property. When we purchased our property ( a  manufactured home ) in XXXX, during the closing apparently Cardinal Financial had the escrow company file a UCC document with our Deed of Trust mortgage. Then in XXXX of XXXX, when we decided to refinance and were notified that we needed Cardinal Financial to release the incorrectly filed XXXX document, they refused. We called several times and so did the escrow company and no one at Cardinal Financial would acknowledge this incorrect document and refused to help. Our current lender agreed to complete our transaction and monitor the release, which is still not complete. We closed our refinance ( XX/XX/XXXX ) and were charged release fees and as of XX/XX/XXXX, Cardinal Financial has not released the incorrect XXXX or the mortgage that was paid in full XX/XX/XXXX against our property or on MERS. I am attaching the title report and the incorrect XXXX filing. The XXXX filing is incorrect on lines 6a and 6b. 6a should be marked as a Manufactured Home Transaction and 6b should be checked Non-UCC filing.

We would like to get a home equity to consolidate our remaining debts and our credit union can not complete this without Cardinal Financial completing the release.

We hope this gets resolved as NO ONE at Cardinal Financial will help us, nor can our previous escrow company. How is this LEGAL. Why is Cardinal Financial able to do this? Why is there no protection against companies like Cardinal Financial? 

PLEASE HELP US GET THESE RELEASED. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: ERC
State: AL

Complaint narrative:
THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # 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 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A Wells Fargo bank teller accessed my account information without me ever giving consent at anytime ( I have never interacted with this teller for anything ). She then added my checking account and routing numbers to her personal credit card account as a payment method. Then used my account to make a few payments on her credit card bill.

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 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
On XX/XX/2020, I received a collections bill/letter from DBA Paragon Revenue Group claiming that I owed a debt for a medical bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor was/is my current health care providers office. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts. She confirmed that she does not have any record of a charge that may have been sent to collections. With this information I sent out a debt validation request certified ( attached documents ) and never heard back. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX  deleted the account after conducting its investigation. XXXX  and XXXX  stated the account had been verified. I requested a method of verification used by XXXX and XXXX  to validate this debt, they failed to respond and only issued another investigation, that came back as verified as accurate. I then bought a service XXXX  that accurately pulls all credit reports and compare the information. The comparisons were inconsistent being the collection agency is reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it does not exist as mentioned by the original creditor. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I need help as I believe this collector is taking advantage of me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lil' Wave Financial, Inc.
State: CA

Complaint narrative:
My loan is service by SLS which is XXXX. I'm paying off my loan, title asked for a servicing agreement to wire the $ to pay off the loan. SLS doesn't have the servicing agreement with the private lender. " or private lender doesn't want to sign the servicing agreement ' per SLS '' Payoff is good through today XX/XX/2020. Title is paying off loan today. But SLS have not provide servicing agreement. 

I would like SLS to take complete responsibility for any fees, penalty or late charge or daily interest that XXXX incurred after XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS ACCOUNT LISTED WAS OPEN FRAUDULENTLY I DID NOT OPEN THIS ACCOUNT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS ACCOUNT LISTED WAS OPEN FRAUDULENTLY I DID NOT OPEN THIS ACCOUNT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER XXXX am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent certified letters disputing accounts that are reporting inaccurate on my credit report and all I get is the same results from the e-oscar system as verified and accurate. I'm at a point where i will file to sue in the small court against this company due to inaccurate reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
New Discovery- Select Portfolio Servicing added and reported to the credit bureau and flagged my account as loan modification on XXXX XXXX its also states Activity : Conventional Real Estate Mortgage Including Purchase Money and First Mortgage. Neither of the above information is true. Select Portfolio Servicing just added this false and misleading information on XXXX XXXX but changed the year, because it did not have this information before on the credit bureau reports. I get a letter from Select Portfolio Servicing dated XXXX XXXX stating Refinance/Modification. Therefore this was change before the letter was sent out. I want to know did SPS altered, change or added statements on any documents? Because I know they are trying to cover up for XXXX XXXX XXXX in which the loan was transferred in XXXX XXXX, Also it obviously that an fraudulent assignment of note for insurance benefits ( claim ) was applied with the FHA mortgage insurance on the property.Date of Contact of insurance termination was on XX/XX/2014. Due to the fraudulent defective dry wall property insurance claim, cause the FHA Connection lender query case number XXXX to be terminated. Therefore the FHA mortgage insurance was canceled due to the mortgage fraud. That is when XXXX XXXX XXXX  applied a Conventional Real Estate mortgage loan to my property, then purchasing money first investment account for profit. It appears the loan investment account number was XXXX the same account number was used to collect a large sum of money, refund on property insurance claim on XX/XX/2014 with XXXX XXXX XXXX XXXX. This is also a fraudulent claim, also accelerating the escrows payment. On XXXX XXXX XXXX XXXX XXXX fraudulently set up a loan modification as if I was behind in payments which I was not, because they made a fraudulent assignment of note claim, on a defective dry wall claim On the property in which I knew nothing about and then making a fraudulent property insurance claim with XXXX XXXX  XXXX   XXXX.I had no knowledge of any of the above fraudulent activities. Therefore the loan modification that Select Portfolio Servicing has in their possession account number XXXX XXXX XXXX XXXX loan number that was transferred to SPS on XXXX XXXX and account number XXXX Select Portfolio Servicing number is misrepresenting fraudulent funds that was acquired by fraudulent insurance claims on that XXXX XXXX loan modification. And maybe still collecting funds for profit wit money first investment account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation