vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have two hard credit pulls on my experian credit report. 
XXXX XX/XX/XXXXInquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX I did not authorize not one of these inquiries

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 2021-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, approximately 3 days before closing MsXXXX XXXX XXXX provided me with an alleged break down of my loan payment information. She stated that my taxes will be {$7100.00} for the year when according to the County my taxes are currently {$1400.00} for the year 2021. 

Ms. XXXX is attempting to price gouge me and overcharge my taxes by {$5600.00}. She has been provided with the correct tax information and the county tax number for her reference and still she ignores the truth in an attempt to steal escrow. 


Her contact information is as follows : XXXX XXXX Home Mortgage Loan Processor ( SAFE ) Government Purchase Processing-VA, FHA NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX Tel : XXXX ext. XXXX

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 2021-04-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$11000.00}, {$8600.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XX/XX/XXXXA with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account. 

2. XX/XX/XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$10000.00} -This is not my account. 

3. XX/XX/XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$8600.00} -This is not my account. 

4. XX/XX/XXXXA with ACCT # XXXX opened on XX/XX/2020 with a balance of {$24000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Paid off a debt sent them proof they won't remove it off my credit also have my mom 's bankruptcy on there that shows her birthday her social but yet they won't remove it I also have three phones bills that I never had and I'm not sure how to remove them

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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to complain about unknown accounts in my profile. I am victim of identity theft and someone just used my personal information and filed this accounts. This is inaccurate information that does not belong to me. I am not related to any of these accounts at all. Therefore I am asking you to remove it and to do it as soon as possible. 

Thank you )

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 2021-04-07 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: FL

Complaint narrative:
I would like to complain about unknown accounts in my profile. I am victim of identity theft and someone just used my personal information and filed this accounts. This is inaccurate information that does not belong to me. I am not related to any of these accounts at all. Therefore I am asking you to remove it and to do it as soon as possible. 

Thank you )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NY

Complaint narrative:
I requested verification of an account with XXXX XXXXXX/XX/XXXX which I could not recognize as mine. I also requested the same from the creditor, both in writing on XX/XX/2021 via USPS Certified letter requiring a signature. Not receiving any reply, I sent two more letters at 30 days intervals, again certified with signature, repeating my request and spelling out what laws were protecting my request and my right to an answer. Today, almost three months later, having received no response I decided to take action. I sent another certified letter to the creditor and the three bureaus requesting deletion of the creditor account for failing verification. 
I am filing this complaint to create a record in case they do not take action. In 30 days I will check again my credit report to see if they deleted the wrongful account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting erroneous lates on my credit file. They are reporting a late for XX/XX/20. This late happened at the very beginning of COVID. I had been laid off for a few weeks as most people were. I called and made this payment as soon as i could to avoid the late notation and i was advised that since there was a pandemic this would not be reported to my credit file. I recently checked my credit and noticed that there was a late notation added to my credit file. I need this late removed. I was told the late would not be reported to my credit file because it was due to the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
Had verbal agreement with ARSI to make payments monthly with the understanding that the monthly payment would be shared with all accounts. By using ARSI website payments were entered and selected on all accounts. After further notice the website of ARSI did not distribute payments to all accounts as indicated on website. The company only selected a few accounts and paid limited accounts in order to gather more interest on accounts. Even some accounts were paid in full but still had a balance due to interest. This tactic seems to put myself in a revolving account by only paying interest and not disclosing this information to myself with the verbal agreement that ARSI had with myself that all any payments would be distributed evenly to all accounts. No written notice was given to me with negatively affected accounts that were reported to credit bureau after ARSI showed balance on certain accounts were not being payed. ARSI did not all myself to dispute any unpaid accounts because I was not properly notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
On XX/XX/2021 The bank ( XXXX XXXX XXXXXX/XX/XXXX which I am refinancing with sent a email asking Mr. Cooper which holds my mortgage to sign the attached Letter of Direction from XXXX XXXX XXXX XXXX XXXX in order for me to move ahead with my refinance. They had a ABI on the mortgage which is A Beneficial Interest on the property stopping me to refinance with out them signing the Letter of Direction. 
After many phone calls and e-mails after 2 weeks they mailed me a Verification of Mortgage. I did not ask for that. I explained to several people that I spoke to that I would lose my new rate that I had locked in, they said they could not do anything it was in the hands of the research dept. which their was no phone number to. 
As it approached XX/XX/XXXX and losing my rate of 2.5 % XXXX XXXX XXXX XXXX said they could take care of it since Mr. Cooper was not. I now received a bill from the Land Trust company for {$540.00} which I never would of had if Mr. Cooper would have helped me. 
I spoke to and e-mailed : XXXX XXXX, XXXX XXXX Ph # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TX

Complaint narrative:
fcra violations : XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY wrong names and address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Basically back on XX/XX/XXXX and XXXX someone hacked my account and sent them self self payments over {$2500.00} the bank pretty much accuse me of giving someone my account information Im not sure if Im gon na get my funds back. Now they are cancel my account and not allowing get a new account with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: WA

Complaint narrative:
Regarding the debt collection with the amount of {$4100.00} on XX/XX/XXXX from the Collection Agency : KIMBALL TIREY STJOHN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I did not receive any official collection details from the letter, email, text message, or phone call for this debt collection. 

Under the Fair Debt collection Practices Act ( FDCPA ), I sent an official letter to the company KIMBALL TIREY STJOHN on XX/XX/XXXX to request proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

I did request the collection agency KIMBALL TIREY STJOHN to provide the following documents within 30 days from the date of the receipt : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

However, I did not hear any feedback from the collection agency KIMBALL TIREY STJOHN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX of XXXX XXXX dint handle properly the moratorium that i was inform, on loan # XXXX Never honored. instead they did collections calls at XXXX am demanding balance to be paid, informing that they going to inspect the property. 
We went and put account up to date, never in 9 years were late till the pandemic We dint know what to do .. This loan is a 7 % high interest. Is killing our savings, Recently we went to refinance loan and was denied because late remarks XXXX XXXX  days late with this bank. 
XXXX of XXXX XXXX was sold to XXXX Bank XXXX XXXX XXXX therefore we end with two late reports from same loan account. Credit cards CUT ME OFF to a {$500.00} limit, reason that my score went down XXXX points. My savings are in this bank and is more than this note. DO we deserve this? We are corner to keep paying this high interest loan with no bank want to do business with us because these facts,. ( late mortgage payments XXXX and XXXX  days from 2 diff banks and a XXXX score )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
the following account Waypoint Resource Group that is listed on my credit report does not belong to me, I've recently contacted the company via phone and they were unable to find an account listed with my information in their system but it still shows up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 5 accounts appearing on my credit report from all bureaus that are reporting incorrectly since they do not belong to me. I have tried to dispute these items since XX/XX/2020 but each time they have no answer for me I opened an FTC report and reached out to the bureaus via phone calls but I am getting the run around and I feel like they are working on convenience and will not help me. I am at my wits end with this. 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2700.00} XXXX XXXX  - Acct # XXXXAmt {$3900.00} XXXX XXXX - Acct # XXXXAmt {$12000.00} XXXX XXXX XXXX - Acct # XXXXAmt {$2600.00}

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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are over 6 accounts on my credit that do not belong to me I have disputed these items with the bureaus and I have not gotten any response back I want this taken care of since it is not my fault but is affecting me 100 % Account Name : A - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XXXX  XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-04-07 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: CA

Complaint narrative:
There are over 6 accounts on my credit that do not belong to me I have disputed these items with the bureaus and I have not gotten any response back I want this taken care of since it is not my fault but is affecting me 100 % Account Name : A - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XXXX  XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: GA

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 XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
Disputed information in XXXX and again in XXXX.

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 2021-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX my XXXX  hit me with some significant extra charges at the point of service, so I paid them out of pocket because upon calling my XXXX and verifying myself over the phone, I was informed that they would not help over the phone. This set off a chain of events over two weeks, multiple attempts to access my account, and it's become clear that Optum Bank XXXX uses layers of rigid corporate policies to discourage customers from using their funds. 

I have called them XXXX times in the two weeks since and despite every time, verifying my ( 1 ) social, ( 2 ) DOB, ( 3 ) address, ( 4 ) dependents, ( 5 ) phone number and ( 6 ) employer they REFUSE to update my mailing address, send me a new debit card, mail the reimbursement request form, or even provide my XXXX account number. All of these refusals were because I could not also verify any activity on an account that has had no activity due to not being able to access my funds in this account, and despite correctly verifying the other six ( 6 ) above listed fields. 

This is clearly a company going out of its way to not help customers and keep their funds rather than making them available for the intended use of an XXXX. More frustratingly, I can't do anything about this. I can't go to another XXXX because we don't have a choice in the matter. So I guess my funds will just sit forever with Optum instead of helping me access healthcare, which is obviously the ideal outcome for Optum.

Company response to consumer: Closed with explanation