vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 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: NC

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2021-09-21 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: AZ

Complaint narrative:
I have a couple of account that are not mine, I have reached out to them to have it removed as fraud. 
XXXX XX/XX/XXXXXXXX was tricked into paying them., Have no idea who that is. 
XXXX XXXX XXXX XXXX was tricked into paying them., Have no idea who that is. 
XXXX XX/XX/XXXX, Have never done buisness with them, Completely Fraud.

Inquiry From XXXX XXXX Not familiar with them.

Inquires FromXX/XX/XXXXXXXX The information is not matching, I have sent a validation letter to them more than 30 days and have not received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
To Whom It May Concern : This letter is to formally advise you that this debt was settled and a paid-for deletion was processed through true accord. True accord is a third-party collection agency that represented Affirm. This debt was paid in full for a full deletion through an associate by the name of XXXX. All phone calls were recorded and monitored through the company. I am asking for a full deletion off of my credit report. Attached is a report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
This is a formal request to extend my Covid forbearance as Im still impacted. When I call to speak with a representative Im not given any information, and instead, told I need to speak with the Bankruptcy department, who does not provide answers. If you are unable to extend my forbearance, please advise why. Also, if you can not extend it, can you please ask the investor for an exception, so that they can determine if it can be extended? If Im ultimately decline and you can not extend it, please indicate what my options are. I do not want to lose the home, as I am living in the home, and XXXX. XXXX today Of Loancare tried to push the button to give me the extension stated that it shouldve went through but it routed me to the bankruptcy department he did not understand why he tried to put me through I was on hold for 35 minutes no one picked up but he said I did qualify, I explained to him I received an email and I tried to click it on and it did not let me do it. Different answers.

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 2021-09-21 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: NY

Complaint narrative:
Experian CFPB XXXX responded on XX/XX/2021 we are in the process of contacting the inquiring creditor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review.

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 2021-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I started a loan Modification about a year ago with PNC Bank. 
They asked for a massive amount of documentation, repeatedly, even tho it was provided numerous times. 
I also had a multitude of Reps, some lasting only a week. 
It was a horrible long process! 
I was in total compliance ( timely manner ). 
My Modification was denied and I had provided XXXX taxes, and my PnLs for XXXX and XXXX ( XXXX taxes not due at this point ) They only went off of XXXX taxes and diluted my income and inflated my expenses, even tho everything was diligently provided. 
I even hired a Mortgage facilitator to help me with the process and make sure things were correct and I would gain the mod, based on my income, but Pnc Bank, picked and chose what numbers they wanted to use, based on a favorable outcome for them! 
I appealed and it was denied. 
They are still not considering my XXXX and XXXX income at this time, which is not in compliance!! 
About to appeal again ( 3rd ) ..hopefully they understand now I will file all complaints necessary, until they follow underwriting guidelines! 
They have Not, to this year long process. 
Its Fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Mr Cooper has charged me for a Valuation service ( BPO ) in the amount {$190.00}. I was not made aware of this charge at the time forbearance plan. In addition Mr Cooper suggested i do not make payments and refused to take payments while in " Modification period ''. The company pressured me to sell the property or face foreclosure before a family member helped me with amount due ( over XXXX ) There is also a {$25.00} fee that they are trying to charge, they refuse to send written proof of fee. The {$25.00} fee is a technical error on their behalf. 

They did respond with a letter for the fee 's, its was generic letter not showing me where they disclosed of signed for the {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
XX/XX/2021 I recieved a new XXXX XXXX XXXX. The account at XXXX XXXX was closed. Somehow XXXX had the wrong telephone number for text messages, phone number XXXX, my daughters number. When I attempted to change the number, the web site would not allow the change even though I confirmed my information. Cell phone XXXX When I call the relationship manager, I get put on hold for an extended amount of time, and am getting no answer. 

I do all of my banking and credit cards on XXXX and online. This is not o
ly an inconvience, but it could allow others access to my 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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I'm paying Experian for services who preventing from login. Who continue having me changing my password several time. I recently tried login who still being prevented from login. Recently I have been using this follow Username : XXXX for the past 12 months. Who change this follow Username : XXXX to this Username : XXXX Because my 3 computers being stolen from my home XXXXXX/XX/XXXX. I have provide them Police 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 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am currently being victimized by Wells Fargo. This is not the first time I have had the same issue with Wells Fargo. I strongly believe they are using illegal, fraudulent, and deceptive tactics to boost sales of its banking and financial products. 
They blocked my cards. Therefore; causing my account to basically freeze for 6 unnecessary days. It's not resolved yet. I'm hoping I receive my replacement card tomorrow. I was promised 24 to 48 hours ( 6 days still no card ). I was promised expedition or rush. I contacted XXXX 4 different agents verified. Wells Fargo did not select weekend or overnight delivery. Only sent with a regular shipping label. XXXX said that Wells Fargo could still have it sent overnight. Wells Fargo, refused. Unable to make outbound calls. 
What Is there purpose? I was lied to by Wells Fargo representatives multiple times. Was treated rudely and disrespectfully hung up on multiple times. They know I have to call back. So that is time consuming and costly. I should be compensated for my time wasted. Wells Fargo, made the decision to block my debit card. Claiming suspicious and fraudulent activity. I was embarrassed and humiliated at a retail store. My debit card kept declining. This same exact situation just happened less than 6 months. With the same merchant XXXX XXXX XXXX " attempting '' to use my debit card. 17 times from XX/XX/21 - XX/XX/21 on just 1 card. Then literally the next day my other card was compromised by XXXX XXXX XXXX. So, currently I have no debit cards. I requested a receipt or something displaying these attempt from XXXX XXXX XXXX with exact dates and amounts. The amounts are all {$0.00}. Dates just told XX/XX/21 - XX/XX/21. I asked for the same info on the other compromised card and multiple representatives were unable to provide me that info. Wells Fargo is victimizing me by claiming there is fraudulent activity ( that they can't show me proof of ) blocking the usage of my account. So far for 6 stressful and unnecessary days. If they are going to make these decisions on my personal account. I should be feeling safe and secure that my debit card will be in my hands 24 to 48hr no matter the day or night. As I was promised. It's all a lie and I feel schemed and unprotected by Wells Fargo.

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 monetary relief
Consumer complaint received 2021-09-21 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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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:
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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Buffaloe & Associates, PLC
State: TN

Complaint narrative:
My personal information/identity got stolen on XXXX & was sold on the black market. I have received numerous calls throughout the years from fraudsters claiming that I owe money, that legal action will be taken, and even threatened. I have contacted the Federal Trade Commission, the XXXX XXXX XXXX, & have also worked with the NY Atty General 's office in the past regarding various scams. Recently, I received a letter, which I'm uploading with this complaint, from a so called atty 's office stating that I owe a debt in the amt of {$1500.00}. No proof or documentation was included with the letter nor do I recognize the supposed name of the Creditor. It states in the letter that the Atty 's haven't personally reviewed the circumstances of my acct. I've tried contacting the law firm numerous times & the phone just rings. I researched the firm online & there have been several derogatory complaints such as what I have mentioned above including not being able to communicate with this law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The Equifax Credit Bureau is reporting inaccurate information on ( Original Creditor : ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX I received my EIDL funds after 8 months of waiting for sba approval and the day I get it capital one decides they want to hold my funds and investigate it for fraud so I play their game and give them the documents they asked for and they just continue to say its being looked at, wont give me a eta or when they will be done with their investigation even though I went through a rigorous 8 months just getting approved for it by the sba they dont think it was good enough and no one will give me any info about my money, and from what others have made complaints about is that you guys say, after months of holds on funds, that it will be sent back to sba but they dont get the funds and now people like me are left on the hook for the whole loan amount even though we didnt get the money and we are left out to dry, this EIDL loan was my saving grace..and to that you guys say no, had working Americans barely scraping by will have to suffer, this is not ok, Im just trying to get back on track and get back to normalcy,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
This company has not tried to work with me during a pandemic. I asked can I get my payments lowered because {$530.00} is a lot a month, I was told no. I asked to split it every two weeks. I was told no, just make two payments online. At the end of the loan I still have to pay the total why can not I pay $ XXXX {$350.00} a month. I regret ever taking out a loan with this company. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I enter the Covid forbearance plan and resume my regular payments 8 months ago. Since then I have tried to be qualified for a deferrement option but every time I apply their system automatically denies the option for a Loan Modification citing as the reason for the denial that they can not modify the Loan because there is not enough reduction to the monthly payment. 
I have called numerous times asking for an escalation because I am not looking for a reduction on the monthly payment, I can continue making my regular payments as I have been doing for the past 8 months but they keep on changing their answers for the reasons of their denial depending on who picks up the phone. First they said I didn't qualify because I was not up to date when the Forbearance started, then the investor don't offer the solution, etc. They say the only way to retein my home is to pay $ XXXX at once when the plan stops. 
I can not believe they would do such thing without even looking at my documents, and without considering that I have already resume my regular payments. They would not escalate for me to be able to talk to someone who would take a hard look at my personal situation. 
I've been in my home since 2004 and have paid close to nothing technically, and they wouldn't even treat you like a person, closing all doors. Do they think one would not pay if able to? To the risk to loose their home? Who, who's gone through the COVID hardship will come back with all the money at once? 
I believe this is inhumane and unacceptable and there should be someone who can stop these people to try to take your home from you.

Company response to consumer: Closed with explanation