vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
Pursuant to Federal Law 15 USC 1692 G, Discover has failed to present the name and address of the original creditor after written notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
I have attempted several times to have XXXX remove this from my credit report because it's stopping me from purchasing a home. first it is not my account it belong to XXXX XXXX I was removed from this account 3 months after car was purchased. 2nd the car was totaled and the balance after insurance and Gap insurance paid is incorrect and the dates are incorrect. I have several time attempted to have this removed from all three bureaus and I feel like it's violating my credit reporting rights. XXXX do have knowledge of this issue and fail to resolve it. XXXX have an internally inconsistant error issue and is doing nothing about it, XXXX has had this issue for years and fail to resolve it. I would like this account removed from XXXX, XXXX, and XXXX because even the amounts and dates are incorrect and it needs to be resole or my next step is an attorney.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX, and XXXX are reporting on my credit report an account with XXXX  XXXX XXXX  XXXX OPENED ON XX/XX/XXXX!!! This account is TEN years six days old and negative information is nine years old. It was never reopened it is erroneous reporting by XXXX XXXX. 

These account is greater than TEN years old as of today XX/XX/XXXX. 

Experian, XXXX, and XXXX XXXX are reporting this in violation if FCRA and UDAAP by this creditor. 

The reporting must be removed as it exceeds the statute of limitations

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 2020-12-24 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I went into forbearance due to the COVID pandemic and it was clearly stated that my credit won't be impacted by it. Well, since XX/XX/2020 my Wells Fargo account has been affecting my credit negatively.. I'm not sure exactly why but every since the comment " partial payment '' has been placed on the account my score has dropped over 100 pts and I've been fighting every since then to get it fixed. I'm now out of forbearance and have made all of the necessary payments to be back to normal. I've been told to wait and the comment will fall off but it's been quite awhile and it's still there. I've been getting denied back to back for EVERYTHING because of it and it has impacted my family negatively. Going into this forbearance I did not expect all of this to happen and I regret ever going into it. Next time I will figure it out because this forbearance has had a bigger negative impact than the COIVID-19 Pandemic. Please help me resolve this and remove that comment.

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 2020-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLS FARGO has violated my rights and privacy, Failed to present the Original Creditor or the name and address of this alleged debt.

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 2020-12-24 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-12-24 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: IL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: TX

Complaint narrative:
XXXX, XXXX, and Transunion are reporting on my credit report an account with XXXX  XXXX XXXX  XXXX OPENED ON XX/XX/XXXX!!! This account is TEN years six days old and negative information is nine years old. It was never reopened it is erroneous reporting by XXXX XXXX. 

These account is greater than TEN years old as of today XX/XX/XXXX. 

XXXX, XXXX, and Transunion Transunion are reporting this in violation if FCRA and UDAAP by this creditor. 

The reporting must be removed as it exceeds the statute of limitations

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 2020-12-24 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: TX

Complaint narrative:
XXXX, Equifax, and XXXX  are reporting on my credit report an account with XXXX  XXXX XXXX  XXXX OPENED ON XX/XX/XXXX!!! This account is TEN years six days old and negative information is XXXX years old. It was never reopened it is erroneous reporting by XXXX XXXX. 

These account is greater than TEN years old as of today XX/XX/XXXX. 

XXXX, Equifax, and XXXX  XXXX  are reporting this in violation if FCRA and UDAAP by this creditor. 

The reporting must be removed as it exceeds the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: NV

Complaint narrative:
I have a checking account with no overdraft protection selected when account was opened and yet Bank of the West charged the account {$70.00}, since " as a courtesy '' they covered 2 items on XX/XX/XXXX, which seems immoral and illegal. 
The opening and closing balances were positive on that day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-24 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: Colony Brands, Inc.
State: LA

Complaint narrative:
An account for XXXX XXXX is on my credit report. I did not open this and it is affecting my credit score. I have contacted the company and they have stopped it on their end but advised that I contact you. Someone is using an old name of mine, XXXX XXXX and an old address XXXX XXXX XXXX, XXXX Tx. There are renters in that house and they are most probably using old advertising with my name on it that was in the mail box. I have long since changed my address.. I don't know who these people are. Please help me to repair my ruined credit score which by the way dropped XXXX points in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Pursuant to Federal Law 15 USC 1692 G, CREDIT ACCEPTANCE has failed to present the name and address of the original creditor after written notification.

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 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My Chapter XXXX Bankruptcy was discharged XX/XX/2020. I discovered on Equifax, credit reporting agency, my account with XXXX XXXX XXXX was noted as a " Charge Off '', and not as, " Discharged by Bankruptcy '', as all of my creditors from my Bankruptcy have noted. I've attempted to dispute the Charge off, without help from Equifax. Equifax has been given my Bankruptcy discharge by the Bankruptcy court, as it has to all three reporting agencies, again has refused to correct the charge off, to Discharged by Bankruptcy. XXXX XXXX XXXX also refuses to correct this inaccurate information. My account was closed with XXXX XXXX XXXX  @ XX/XX/2020 as 'Charge Off ', two months after my Bankruptcy discharge date of XX/XX/2020. XXXX XXXX XXXX has harassed my with emails, phone calls and mail, well after my bankruptcy discharge date.Triad and all other creditors declined to attend the creditors hearing scheduled XX/XX/2020. Reported to my attorney, harassment has ceased, finally. I understood the negative impact of filing bankruptcy, but Equifax & XXXX XXXX XXXX refusing to correct the inaccurate information is being done with Malicious Intent to cause my credit rating even more harm. After my third dispute with Equifax, they lowered my credit rating from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I received notice that my service provider for my loan was being changed and requested the balance due on my loan. I have over the years been told this was a charged off loan and they would not send me monthly statements or payment slips even when I wanted to know my balance in the past. When I call the bank they tell me they do not have access to the information and the information I get from the branch office is incorrect and that the branch does not have access to the correct information. I was transferred to customer service, who sent me a payment record sheet indicating my balance of {$1800.00}, another sheet from XXXX XXXX  says a balance of {$1100.00}, however the cover sheet says the balance is {$12000.00}. When I ask for evidence of past due fees, interest, or anything I am told they have no access to that and that the information I got is incorrect, like I am making up numbers, but the numbers I got were from the people they transferred me to. I called my US Senator, XXXX XXXX, her office says they do not deal with such issues and gave me a number to the state of Wisconsin. The state said the bank has a national charter so I need to contact you. This has been a 3 month process and my patience is wearing thin. Please 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 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX/XXXX/20, I received a fraud alert from Citibank. I immediately called them and found out that my daughters custodial account was hacked and her debit card number was stolen. I asked the customer service representative to close her debit card and re-issue a new card. I made sure to ask the representative if only her debit card would be closed and she assured me my personal debit card would not be affected. Turns out she blocked the wrong card and left me without access to my funds for over a week. I tried using the card and kept getting declined. I tried buying food for my children and I was unable to do so. When I called Citibank on XXXX XXXX, 2020, I informed them my card was not working but the representative said everything was fine with my card. On XXXX XXXX 2020 I ordered food from the grocery store and when it came to pay online I was unable to do so using my debit card. Turns out that my initial call to Citibank on XX/XX/XXXX closed my personal debit card and not the debit card associated with the hacked account. To make things worse, after my phone call on XXXX XXXX, 2020, I get an email saying that my new debit card is activated. Mind you the new debit card has not been delivered to my house but the representative took it upon himself to activate the card. When I called Citibank on XXXX/XXXX/2020, I spoke to two different women. The first woman finally deactivated the correct card that was initially hacked into. But then she passed me on to another woman who told me she would get a new card to me by Monday. When I told her that its Thursday and I have no money to feed my children, I requested that a new card be expedited with XXXX but she needed to get a supervisors permission. While waiting for her, the call got disconnected and she never called me back. When this happen, I was on the phone with Citibank for an hour so I went online and spoke to another representative through their chat feature. He informed me that the previous representative did put in an order for a new card to be expedited and arrive by Saturday, XX/XX/XXXX. Currently its XX/XX/XXXX and Im praying that the new card gets here by XX/XX/XXXX. I am writing to you because Citibank and their employees have made so many mistakes with my accounts that it left me without the use of my debit card and my funds. There is no excuse for such a huge bank to make sloppy mistakes that leave families without the ability to buy food especially during the holidays. I dont know if the expedited card will get here by XX/XX/XXXX but I am hoping so because I do need to buy food for my family. I can not keep borrowing money in order to feed them. Shame on Citibank.

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 2020-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is in violation of UDAAP reporting of a debt with XXXX XXXX 'XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX 's XXXX on XXXX/XXXX/2019. I worked for a XXXX XXXX XXXX so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with Equifax and XXXX  ( violation of FCRA ). THIS IS false reporting. 

XXXX XXXX 'XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX EQUIFAX AND XXXX  XXXX   DELETE REPORTING on credit report for XXXX XXXX XXXX and the named account below : XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX  XXXX XXXX  ACCOUNT NUMBER XXXX PLEASE DELETE THESE ENTRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
The first of this year, Vanderbilt raised my payments due to a claim, a tree fell on my home. I am a senior on a fixed income, and they know this. So I could not afford to make the payments. So now that I am behind on the payments, they want to lower the payments where I can make them, but they want the money I am behind, again I can not afford this. Why didn't they do this to start with, good show, I guess they want my home.

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