vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit profile contains an inaccurate account.

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 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Trying to hook up so I can transfer money from one account to another PNC Not accepting transfer or intercepting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: NY

Complaint narrative:
XXXX  and Experian continue to report a derogatory account on my credit file of a company called XXXX XXXX XXXX. There is no payment history, no date of default and the balance owed and account balance show inconsistent amounts. I have reached out to XXXX XXXX XXXX and informed them that I did not open this account and to submit proof of application. They just sent me a computerized bill and refuse to send me the contractual obligation. XXXX  and Experian just keep reporting the account as verified but refuse to furnish the method of verification. I was successful in having the account removed from my XXXX  profile for lack of proof of ownership ; however, XXXX  and Experian have been noncompliant. I would like to file a complaint against XXXX  and Experian for illegally reporting inaccurate and derogatory information on my credit profile and their refusal to comply with demand for verification of reported account of XXXX XXXX XXXX ; and XXXXXXXX XXXX XXXX for lack of diligence in helping resolve this serious issue.

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 2020-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2020 I attempted to create an online account with Wells Fargo to view my mortgage payment history but was prevented for security reasons. It took me over an hour on the phone to determine why. Wells Fargo 's system erroneously populated a disconnected phone number associated with my co-signer on her old satisfied loan. I was told I'd have to wait for a letter via US mail to grant me access to my information and history online. 

I waited 10 business days and never received it. 
I contacted Wells Fargo again via their website. 
I never received a reply. 

If and when the Post Office loses my mortgage statement, I should be able to access MY information online and not spend hours on the phone with Wells Fargo staff.

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 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
This account is charged off outside of state statue. It charged off in 2010

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I have a loan from my house with UWM. On closing day everything was fine, the house insurance was fine and everything seemed perfect. They never called me to tell me something was up. Then I received a check from the home insurer and called. I was notified that the insurance had been canceled. then call UWM and notify me that the insurance if it was active it had an amount but it was for the taxes that I paid them through the page and everything should be fine. I trusted what they told me but then here in my direction there was an ice rain and my roof was damaged and I called the house insurance to repair it and they told me that we don't have insurance. It is irresponsible I trusted the word of the representative who attended me. and it turns out my house is uninsured.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: CA

Complaint narrative:
My mortgage lender falsley reported my XX/XX/2020 payment late, they have sense corrected that But trans Union still reports a late payment,

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 2020-07-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report has inaccurate addresses and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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:
All three credit reporting agencies are running inquirys w/o my consent. Experience at XXXX XXXX CA has been running my credit reporting routinely even twice to three times a month for unknown reasons to me. A wrong social security number has been added on my credit report personal information stated as XXXX. This is incorrect. Credit management services company is posting a balance of {$93.00} this is not my account States the acct was opened on XX/XX/XXXX with XXXX XXXX. We are in XXXX XXXX CA area and charter is not an option in our new place of domicile. A victim fraud altert statement was modified w/o my consent on my experian report adding an unknown number as XXXX and adding a statement to make contact with this unknown number to me each time credit request is submitted, and each time changes are made eff : XX/XX/XXXX. I did NOT ADD THIS STATEMENT TO MY CTEDUT REPORT. IT IS A XXXX -XXXX FAMILY WHI IS STALKING & HARASSING ME THEY ARE CON XXXX AND VERY DANGEROUS. NAMES INVOLVED : XXXX, XXXX, XXXX, XXXX, XXXX ( former leasing agent ), XXXX XXXX A VICTIM OF HATE CRIMES & THESE PEOPLE ARE TARGETING ME FOR HARASSMENT & FRAMING PLOTS, per OCSD in CA.

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 2020-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
My sister was staying at a property that I owned. The agency called on XX/XX/XXXX and told me that I had a cable account with a balance that was placed with them. I told them I didn't live there so that is not possible. I asked if they are sure it is in my name, they said yes it is in my name. I called them back on XX/XX/XXXX, they confirmed a second time that the account is in my name and that I owed the balance. I contacted the cable company XX/XX/XXXX and was told that is not correct and that they account is not it my name for the service address and phone number the collection company was referring to. I think they just looked up and saw that I owned the property at that time and deceived me that I owed a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: HI

Complaint narrative:
I call Experian to Dispute this account ... And I requested XXXX. Told them this was a fraudulent account. I I sent the identity report ... They told me I couldnt request the information. Im Asked them are you denying me this information, he said yes and I said if I contact the attorney general and CFPB they are going to say the Same thing. This account is a charge off account but contains a monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance. I have full faith in Experian to be an outstanding model company and remove delete

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 2020-07-26 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: NJ

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2020-07-26 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that does not belong to me Incorrect Personal Information : Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX Fall XXXX XXXX XXXX XXXX XXXX Address : XXXX Old XXXX XXXX XXXX Experian XXXX Address : XXXX Steam Engine Way XXXX ( Equifax XXXX Address : XXXX Saint XXXX XXXX XXXX XXXX The following accounts have incorrect late status reporting : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$23000.00} XXXX XXXX ; Experian, Equifax XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$9800.00} ( TU ; Experian, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU ) There are several items reporting that does not belong to me. These items are a result of identity theft : FIRST PREMIER - Date Open : XXXX ; Bal : {$450.00} ( TU, Experian XXXX Equifax XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( Experian XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1000.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$620.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2400.00} ( TU ) VERICREDSOL - Santander Consumer XXXX - Date Open : XX/XX/XXXX ; Bal : {$9000.00} ( TU ) Eastern Account System - Gastroenterology Anesthesiologists XXXX - Date Open : XX/XX/XXXX ; Bal : {$270.00} ( Experian ) Midnight Velvet - Date Open : XX/XX/XXXX ; Bal : XXXX ( Experian XXXX Equifax XXXX The following Public Records are not my public records : XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy XXXX - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX The following are unauthorized inquiries : Fifth Third JPMCB Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that does not belong to me Incorrect Personal Information : Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX Fall XXXX XXXX XXXX XXXX XXXX Address : XXXX Old XXXX XXXX XXXX Experian XXXX Address : XXXX Steam Engine Way XXXX ( Equifax XXXX Address : XXXX Saint XXXX XXXX XXXX XXXX The following accounts have incorrect late status reporting : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$23000.00} XXXX XXXX ; Experian, Equifax XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$9800.00} ( TU ; Experian, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU ) There are several items reporting that does not belong to me. These items are a result of identity theft : FIRST PREMIER - Date Open : XXXX ; Bal : {$450.00} ( TU, Experian XXXX Equifax XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( Experian XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1000.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$620.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2400.00} ( TU ) VERICREDSOL - Santander Consumer XXXX - Date Open : XX/XX/XXXX ; Bal : {$9000.00} ( TU ) Eastern Account System - Gastroenterology Anesthesiologists XXXX - Date Open : XX/XX/XXXX ; Bal : {$270.00} ( Experian ) Midnight Velvet - Date Open : XX/XX/XXXX ; Bal : XXXX ( Experian XXXX Equifax XXXX The following Public Records are not my public records : XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy XXXX - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX The following are unauthorized inquiries : Fifth Third JPMCB Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card

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 2020-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LYONS MORTGAGE SERVICES, INC.
State: NY

Complaint narrative:
Good Morning, There has been an active ACH sweep that withdraws monthly mortgage payments from my bank account. However, I paid off my mortgage back on XX/XX/2020 to Lyons Mortgage Services Inc using their platform in their website. I see the payment posted in my account with a zero balance due. 

I've been calling several times to ask them why I am still getting delinquent Notice and threatening notes about a supposed late payment. In their records they claim I still need to pay additional {$100.00} closing fee to close loan fully. Although there is a way to pay over the phone, Lyons M.S states insists loan closing will be valid only if I mail payment with a cashier check once a receive a letter from them with a stub for payment. It's been 3 weeks since they promised they'd send the stub but nothing has been received in the mail only delinquency notices. 

My credit is been reported and I have been affected by this before the credit bureau. 

Please help. 

XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2020-07-26 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: NJ

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2020-07-26 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: NJ

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Accounts Group, Inc.
State: MD

Complaint narrative:
I have reported XXXX XXXX to the BBB because the loan amount I owe the school {$1300.00} should have been discharge because I received a XXXX from XXXX which works with the department of education. XXXX XXXX has purposely not given my loan to XXXX so it can be discharged under the XXXX guidelines to forgive all my loans which became certified in XXXX. XXXX XXXX opened my collection account XX/XX/XXXX to the XXXX XXXX XXXX, and I received the discharge a year later and they didn't include this loan as part of the discharged I recieved. The XXXX XXXX XXXX told me to contact the college but no response, and I gave them this information to prove the debt was not valid

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 2020-07-26 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: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2020-07-26 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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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:
I filed a credit report dispute with the Experian XXXX and XXXX. I have inaccurate information reporting on my credit reports and it is hindering my ability to obtain credit. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2020-07-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report has inaccurate accounts and personal info.

Company response to consumer: Closed with explanation