vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: NY

Complaint narrative:
I have sent Experian document after document, talked to them on the phone, sent in additional documents and everything they have asked only to get " Part of all of your complaint can not be done because ... '' They are incorrect. They asked for more specific information regarding my dispute with a XXXX  XXXX XXXX XXXX, a XXXX XXXX XXXXXXXX record, a XXXX XXXX XXXX, a XXXX XXXX, A XXXX Record and a XXXX  Record and I detailed my reasons why these should be under dispute, but they deny it each time. 

I have been sent document after document about being a data breach victim, going back to 2008 and everything I had, I sent them. Recently, I was a fraud victim involving an Unemployment filing in my name in which I was directed and DID file with the FBI, but I was directed to give a voice statement and have no record of that. 

I want these accounts disputed as I wished, again, properly

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 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
This company is attempting to collect a debt that has already been collected by another company for this vendor. I have attempted to send them multiple verification letters and they have yet to respond

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 2021-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Found the vehicle that I wanted at XXXX XXXX via XXXX XXXX  Called to confirm availability XXXX XX/XX/2021 XXXX. Once it was confirmed available, I did a pre approval through XXXX XXXX. I contacted the dealership shortly after they opened ( XX/XX/2021 ) and was put in touch with a dealer by the name of XXXX. I gave him my pre approval number and I was told that the ball was rolling on the purchase. Even got a call from the finance department telling me to come pick up the vehicle. 15 minutes later, I got a call from XXXX saying it was already sold. 
After that, I got a notification from XXXX XXXX that I had a new credit inquiry from the XXXX XXXX. I found out that they ran my credit even though I was already pre approved through XXXX XXXX. Over the next 2 days, I had 2 more inquiries added to my credit report. Now XXXX wont reply to my text or answer my calls and finance department wouldnt pick up until I called from a different number. When I talked to the finance manager, I asked why my credit was ran after I already had a pre approval and he said that the interest rate that I was given wasnt good for me and that he didnt know anything about me and claimed that XXXX XXXX didnt send any of my info over so they had to run it again. 
The car is still available on XXXX XXXX and their website as of XXXX XX/XX/2021

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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I relocated my Business to XXXX Texas, XX/XX/XXXX and updated Wells Fargo Bank with the new information. XX/XX/XXXX, I had a payment for {$630.00} due to Wells Fargo Bank for our XXXX XXXX Card we have had on Auto Pay since XXXX. XX/XX/XXXX Governor XXXX Declared a State Of Emergency/Disaster and extended it on XX/XX/XXXX due to the Snow and Ice storm that hit the state of Texas. I was unable to make the payment because all of the Wells Fargo Branches were closed and I was stuck in the XXXX Texas Snow/Ice storm. I lived in my vehicle for about 7 days trying to keep warm as I had no power for a week and no running water for 3 weeks - I did not have food for 3 days as I was trapped in my apartment. I contacted Wells Fargo and notified them that I would not be making the payment and even updated my mailing address. Wells Fargo Bank representative verified the address change and stated that they understood the issues I was having going into the bank and that I could not make the payment. Wells Fargo Bank representative contacted me on XX/XX/XXXX with a Identity Theft case number XXXX that pertains to a Wells Fargo Employee XXXX XXXX XXXX XXXX XXXX who closed this same account XXXX of XXXX in less than 30 days due to a bank error and our autopay since XXXX and we have had this account since XXXX. We have removed the Auto Pay due to the Identity Theft/Fraud acts of the Wells Fargo Employee and I wanted to protect my new bank account number and go into the branch and make the payment. Wells Fargo Bank shut down my credit card on XX/XX/XXXX while we were still under the extended State of Emergency/Disaster order in the State of Texas. I also received my new credit card for this account in XXXX Texas location and it was opened by someone within wells Fargo Bank and there was a white label with my XXXX Texas address placed by hand over my XXXX  residence and then reglued in the same envelope ( this now exposed my new credit card ) and mailed it to my XXXX Texas address. This card needed to arrive before XX/XX/XXXX because my old card expired in XX/XX/XXXX. I also made a {$2000.00} payment in XXXX of XXXX, XXXX I made a {$4000.00} payment and on XX/XX/XXXX, I made a {$1800.00} payment ( which included the XXXX, XXXX and XX/XX/XXXX payment ) in the branch. I made the XX/XX/XXXX payment early that was due XX/XX/XXXX and Wells Fargo Bank still has not reopened the account. They are continuing to harass me and violate my civil rights to have the protection under the Governor of Texas State of Disaster order. I want my card reopened immediately.

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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nationwide Recovery Systems, Ltd
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Found the vehicle that I wanted at XXXX XXXX via XXXX XXXX. Called to confirm availability ( XX/XX/2021 ). Once it was confirmed available, I did a pre approval through XXXX XXXX. I contacted the dealership shortly after they opened ( XX/XX/2021 ) and was put in touch with a dealer by the name of XXXX. I gave him my pre approval number and I was told that the ball was rolling on the purchase. Even got a call from the finance department telling me to come pick up the vehicle. 15 minutes later, I got a call from XXXX saying it was already sold. After that, I got a notification from XXXX XXXX that I had a new credit inquiry from the Jpmcb Auto. I found out that they ran my credit even though I was already pre approved through XXXX XXXX. Over the next 2 days, I had 2 more inquiries added to my credit report. Now XXXX wont reply to my text or answer my calls and finance department wouldnt pick up until I called from a different number. When I talked to the finance manager, I asked why my credit was ran after I already had a pre approval and he said that the interest rate that I was given wasnt good for me and that he didnt know anything about me and claimed that XXXX XXXX didnt send any of my info over so they had to run it again. The car is still available on XXXX XXXX and their website as of XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
On XX/XX/2021, I contacted ERC regarding an XXXX XXXX XXXX bill that was placed in collections, ( Ref No. XXXX ). I made a settlement arrangement and made payment of that settlement on XX/XX/2021. I was also promised that my file would be updated and the collections removed. I have contacted ERC and is now being told that they were not the original collection agency who placed the account into collection and I would have to look at my credit report to find out who the agency was. I was also told i can contact XXXX XXXX XXXX. I looked at my report and did not see anything. I then decided to contact XXXX XXXX XXXX. I tried for 7 days to get to a rep that could assist me but got the run around ( we no longer have this account, you would have to check with XXXX. When get in contact with XXXX, I was told by the XXXX  rep, you have to contact XXXX XXXX XXXX as they were the original account holder ). I am now contacting the CFPB as I am at a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am applying for a mortgage loan. My lender has pulled my credit 3 times. Each time XXXX  and XXXX  scores show up no problem. But My Equifax credit score is missing. Equifax says there's nothing wrong but the loan company can not access my Equifax score and therefore can not move forward with my application. I've called 9 times in the past 2 weeks. I've wasted hours talking to representatives and getting no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Debt collcetion company agreed to remove from credit report once paid and they DID NOT AS AGREED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CREDIT COLLECTION SERVICE at XXXX XXXX XXXX XXXX, MAXXXX. Put the amount of {$290.00} dollar. The collection has been reported as past due balance collection. I dont know this company I have never done business with this company. This company does not have contract with my my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XX/XX/XXXX-Mailed a dispute in regards to a collection for XXXX XXXX on my Equifax credit report. 
XXXX-Written dispute received by Equifax and signed for baby a XXXX XXXX. 
XX/XX/XXXX- I had not received notification from Equifax in regards to my dispute. 
XXXX-Called Equifax in regards to the dispute was informed that the results had been submitted to the online dispute portal on XX/XX/. I requested the results be mailed because the results were no longer available online and I also asked why were results of the dispute sent to the online portal since I mailed my dispute to Equifax however Was never given a response but was told I receive the results via mail in 7-10 days. 
XXXX-I still had not received by dispute results so I called Equifax again and was told again that I would be receiving the results via mail in 7-10 days. 
XXXX-I have NOT received the results of my dispute and I don't use the online portal because I've had technical difficulties with the online portal that Equifax has not resolved so I've not used the online portal for any dispute process in nearly a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Account Name : XXXX  XXXX Account No. XXXX Balance : {$0.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account for the fifth time and I still don't see this account being corrected or straightened out after my attempts to fix this inaccurate reporting. I have already paid for this account for the amount settled with the creditor yet, I still see the comments being inaccurate. One bureau is saying one thing and the other bureaus are saying different than the other. The account rating in Equifax is still saying " Derogatory ''. I just want this to be corrected and resolved and if they can't do that, they might as well remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NY

Complaint narrative:
My Mortgage Company and I have had a tumultuous relationship since they bought my Mortgage Contract from another Lender in 2006. I'm sending now as back-up, a letter I had written to CFPB on XX/XX/XXXX. It seems the letter had been ignored my the CFPB because it did not adhere to the preferred 'complaint protocol '. 

The letter details a history of my ongoing relationship with my Mortgage Company ; XXXX, now in its 15th year. Although a recent Court Case prompted XXXX 's removal of a Foreclosure and spurred a Loan Modification, XXXX had decided to create a fictitious debt which they are exploiting on their Monthly Statements. 

It is my guess that this fictitious debt serves to keep me in a 'default ' status, since my refusal to pay it will give them cause to compound the amount until it appears I am in the wrong. This fictitious amount is shown as a line item on my monthly statements, and it is named : 'Assessed Expenses ', in the current amount of {$1000.00}. 

Please refer to my attached Letter, and XXXX Statements for additional 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 2021-04-12 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: TN

Complaint narrative:
Account Name : XXXX  XXXX Account No. XXXX Balance : {$0.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account for the fifth time and I still don't see this account being corrected or straightened out after my attempts to fix this inaccurate reporting. I have already paid for this account for the amount settled with the creditor yet, I still see the comments being inaccurate. One bureau is saying one thing and the other bureaus are saying different than the other. The account rating in XXXX  is still saying " Derogatory ''. I just want this to be corrected and resolved and if they can't do that, they might as well remove this account from my 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 2021-04-12 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: GA

Complaint narrative:
I recently submitted a dispute to Equifax for them to remove an account they are continuously reporting and updating. This account is completely inaccurate and should be removed immediately. My most recent dispute on this account ended with Equifax certifying and updating an account that was included in a bankruptcy as a charge off account. I knew something was horribly wrong when this action dropped my Equifax score by nearly 30 points. Equifax is the most irresponsible credit reporting agency of them all. They plaster your report with adverse inaccurate information and refuse to remove it. The account I am referring to now is XXXX XXXX. This account was included in a Chapter XXXX Bankruptcy, but somehow Equifax has verified and updated this account to the status of XXXX XXXX. I will include supporting information and documentation. The only acceptable solution is for Equifax to delete this account, which they have verified as XXXX percent accurate and complete with the new update after my recent dispute. This account should be deleted immediately. I have included evidence from one of the better credit reporting agencies and how they abide by the rules, it also shows evidence that the XXXX account was NEVER a CHARGE OFF. Equifax must not update this account, it must be deleted per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
ACIMA CREDIT XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX the company said I owe them the amount of {$2000.00} dollar. They just put it on my credit report with out a notice or chance to dispute the debt. The collection has been reported as charge-Off. this company does not have contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: USCB Corporation
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I have received any investigation results.

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 2021-04-12 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The charges on my XXXX XXXX card were made by a dishonest employee at the store. The store manager stated that he would credit the charges and never did. I have been making the payments to protect my credit but the charges are fraud and are not mine and the company has failed to correct this issue

Company response to consumer: Closed with explanation