vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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:
I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name.I requested that these accounts be removed from my credit report but no success. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC 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 non-monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Our HELOC loan was transferred from the current lender to another lender. The new lender is using Specialized Loan Servicing to collect payments and service the loan. The statement we received for XXXX showed a payment due amount of XXXX, We were currently trying to refinance our first mortgage. We have waited on Specialized Loan Servicing for 3 months to register the deed with our county. They still have not. We were finally told their lender would not subordinate the loan and remain in second place on the deed. We made the decision to payoff this HELOC and refinance the first mortgage. The statement we received for XXXX showed a XXXX payment due. Since the decision had been made to payoff this loan and we had the payoff amount from Specialized Loan Servicing, we did not make any payment for XXXX. Keep in mind the payment amount due was XXXX! They contacted us on XX/XX/XXXX and wanted to know when we were going to make our payment of {$64.00} due on XX/XX/XXXX!!! The caller stated there was a past due amount and a {$25.00} late fee had been accessed. 
How can a late fee be accessed and a past due amount on a negative {$4.00} balance? Im confused!! Again today, XX/XX/XXXX, we received a phone call from SLS about the past due amount of as the caller stated {$4.00}. She failed to mention or notice it was negative {$4.00}!!! We were going to pay the penalty of {$500.00} to close this early due to the way SLS has handled the entire transfer over the last 3 months. Now, we should not have to pay the penalty, due to the repeated phone calls about a NEGATIVE payment due of {$4.00}!! The account is being closed and paid off because of the failure of SLS to conduct business with integrity.

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 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX / Chapter XXXX Bankruptcy XXXX / Chapter XXXX  Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I didn't received any notification about this collection account until they reported it in my credit reports. I was aware and didn't received anything from in written from Convergent advising about this balance so I didn't have the opportunity to disputed or verify this information. When I found the collection account reported in my credit reports on XX/XX/2021, I immediately contacted them to get more information and let them know I don't owned this balance. They couldn't gave me any specific details about for what is that balance, they only said it was for a balance that I suppose owned to XXXX. At this time, I haven't heard anything back from them and this account still showing in my credit report causing a financial hardship situation.

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 2021-04-02 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Received an inquiry alert on my credit report from Midland credit management on XX/XX/2021. I contacted midland on XX/XX/2021 and they didnt have my correct social and couldnt locate an account. I have no ties to midland nor did I authorize a hard pull on my credit. I believe someone has stolen my information and is using it to attempt fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX  equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXXT XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: TN

Complaint narrative:
I am a victim of identity theft. I got an alert today stating that I had a new account on my credit report from XXXX XXXX XXXX for a medical debt from a hospital in XXXX New York. I have never been to an emergency room in any state let alone New York. I have never done business with this hospital and this debt is not mine. This debt is either being reported as a mistake or a result of the ongoing identity theft but regardless this debt does not belong to me. I was asked by the credit bureaus to send in an updated FTC identity theft affidavit for this specific collection account which I have done and submitted to the FTC. A copy of the report which was filed with the FTC is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc.
State: NY

Complaint narrative:
Suddenly they called me for a debit what I had no idea about. They would not tell me anything about the debit until I give/verify them my full SSN. Finally I got the original creditor name from the credit report. I used to live there until XXXX, XXXX and left paid everything. Since then no one XXXX original creditor ) ever claim anything other then this abusive collection agency. The collection agency did not verify the debit with me rather they directly put it to credit report and messed up my credit. 
When I contacted the original creditor, that XXXX would not give me any info or even would not talk to me. I had some argument with him long time ago, so I think this way he messed up my credit. 
Both the collection agency and the original creditor extremely abusive and XXXX biased. They did not claim/verify/validate the debit but put the claim directly to the credit agencies intentionally to destroy a very young student early credit life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX asked Wells Fargo to remove acct as responsibility was xwifes. Filed previous complaint with CFPB. Findings were up to x-wife to refinance to remove name from loan # XXXX. 

My credit on XXXX  is still being destroyed by her debt remaining on my credit. I have no paperwork submitted to them debt was paid. Late payments were never removed. I found out through a conversation with a friend that she sold house. This is unfair to hold her past irresponsibility on my credit. Documents prove it is her debt. They already had the paperwork presented. This is vicious and unethical to continue to mar my credit. 

Please remove debt and its poor payment history from my credit. We divorced in XXXX. Debt was her responsibility.

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 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had a credit card with Chase called Chase freedom. It expired in XX/XX/XXXX. 
I was under the impression new cards were sent in mail as normally happens ( or has happened ) I remembered when I saw this old card that certain rewards ( which could be turned into cash must be available ) I called Chase and they said perhaps since the card was not used for 6 months they purged it. And the rewards have to used with 30 days they said they send a letter in mail. 
I may have got it and somehow fell through cracks. 
I understand they are free to purge my account but I feel that should mail the reward check automatically. XXXX if it was other way round they would have tagged interest and I would have paid to keep my credit score intact ) I feel since I did not close the account there should a recourse for it. They need to keep records for atleast 3 years. 
I am not expecting them to pay me interest just expecting my rewards which I have earned from XXXX till I used the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a student loan with Wells Fargo until they recently switched to XXXX XXXX. They inaccurately reported that I was past due over {$10000.00} resulting in my credit score dropping 50 points over night. They were sending past due notices to the incorrect address as well as had my name incorrect. I randomly picked up the phone XXXX day from a XXXX number and found out I was past due on my account even though I was in forbearance due to Covid-19. I immediately made a payment so they wouldnt send me to collections. I then made a second payment, bringing my last due amount to around {$300.00}. I called and asked if I could wait to make a payment since they no longer owned my loan. I didnt feel right paying them when I would be paying a new company 2 days later. That night, I received a notification that they said I was past due {$10000.00}. Its completely inaccurate and they refuse to change it, even though they dont even own my loan anymore. They tacked on several late fees all without my knowledge. They said they attempted to contact me but I received nothing. I asked for address and name updates, all of which they said they did and I still received nothing to indicate I was past due. It has ruined me financially and they refuse to work with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I already reached out to the credit bureaus and to CAPITAL ONE BANK USA XXXX for the account number XXXX and notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first hand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I already reached out to the credit bureaus and to XXXX  CUSTOM for the account number XXXX notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first hand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

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 2021-04-02 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

XX/XX/XXXXXXXX XXXX Equifax XXXX  Account Name : XXXX Account Name : XXXX  MISSING Account Number : XXXX Account Number : XXXX MISSING Additionally, I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have the same information from a bureau. Please send me proof my information otherwise remove this account from my credit report. Furthermore, as per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disturbed that you continue to list the dismissed XXXX as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for XXXX XXXX, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

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 2021-04-02 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: NY

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for XXXX XXXXs, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: NC

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
Attempted to prequalify to make a purchase on a partner site. Filled out the form and was told they could not verify identity. I had used a browser auto fill entry and didn't realize until later that it only entered an initial instead of the full first name. That should not have mattered since I have the initial on file with financial services also. Could not find a way to correct the error and resubmit. Contacted customer service via email and got two completely unhelpful replies. Found a phone number and called, but again, responses were unhelpful. They refused to let me correct the name error or delete the file so I could try again. Escalated to a Supervisor ( XXXX ) who was also unhelpful. Escalated to a manager ( XXXX ) who said all she could do was send a link to be able to submit .pictures and documentation that was not required for the initial form. Stated there was no one above her I could talk to and, that the file could not be deleted. This company has numerous complaints against it. I need ALL personal information deleted from their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I already reached out to the credit bureaus and to XXXX - CARD SERVICE for the following account numbers : XXXX, XXXX, and XXXX. Please notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation