vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: VA

Complaint narrative:
I have worked with the CRAs to dispute inaccuracies and fraudulently reported information on my XXXX. XXXX is the only creditor who refuses. 
I have called and emailed to dispute two fraudulent accounts and XXXX refuses to assist. I already filed a FTC report and complaint. They violated FCRA and FDCPA by refusing to dispute two inaccuracies and fraudulent accounts and trying to contact me while my dispute was in progress. They are a scam company and take advantage of consumers with unscrupulous practices. My ex roommate used my SSN without my consent and Equifax refuses to remove the XXXX accounts and XXXX XXXX accounts that are fraudulent after receiving my FTC report. They also refuse to give me access to look at dispute results online. I called and faxed them paperwork. They are taking advantage of Consumers. I know my  rights to have accurate data reported to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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:
Hello and thank you for taking the time to investigate my situation with the Experian reporting agency and XXXX XXXX. 

In XXXX my credit rating with Experian was sitting at a healthy XXXX, then all of a sudden points had dropped 41 points dropped and my rating went down from a RED C on my XXXX XXXX and it baffled me. I paid the balance of my credit card account and I was reprimanded with a Red C and a closed account on Experian? My account was never in bad standing with XXXX XXXX never a late payment, I may have been over my limit but never had a debt collector chase me for payment as I always paid my dues or if I went over limit paid extra into my account. 

I was horrified! 

I was planning this year to purchase a home and I had this defaming red C with debt collectors stated on my credit report. 

I rang Experian to find out what it was they asked my to raise a dispute, I did so. 
I rand XXXX and they were stumped why my balance of a {$0.00} was reported as a debt collection and never have they reported my account in collections. 

Today I received another alert on my profile with XXXX XXXX  as a Red C for the month of XXXX and XXXX is sitting with a Green tick to state its open? 

I am floored that Experian is posting my 2 months of one payment of full balance and non used of my card in XXXX as CLOSED ACCOUNTS WITH DEBT COLLECTION???? 

I dont want to be given the turn around again with Experian every time I talk to someone and I want to speak to a supervisor I get the same old " raise a dispute '' I have waited more than a month for them to clear off the XXXX and they have not and now I have one for XXXX. 

Could someone please help this has affected my opportunity get a mortgage or any loan in the market under my name which has never had any issue with any creditor. 


Yours faithfully XXXX 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 2020-08-20 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: VA

Complaint narrative:
I have worked with the CRAs to dispute inaccuracies and fraudulently reported information on my XXXX. XXXX is the only creditor who refuses. 
I have called and emailed to dispute two fraudulent accounts and XXXX refuses to assist. I already filed a FTC report and complaint. They violated FCRA and FDCPA by refusing to dispute two inaccuracies and fraudulent accounts and trying to contact me while my dispute was in progress. They are a scam company and take advantage of consumers with unscrupulous practices. My ex roommate used my SSN without my consent and XXXX refuses to remove the XXXX accounts and XXXX XXXX accounts that are fraudulent after receiving my FTC report. They also refuse to give me access to look at dispute results online. I called and faxed them paperwork. They are taking advantage of Consumers. I know my rights to have accurate data reported to the CRAs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo placed my Mortgage into Forbearance in XX/XX/2020. 
In XX/XX/2020 we inquired about making pmts again and chose the option of increasing our monthly payments over a 6month period to repay the missed amounts. 
In XXXX on my activity log it shows several adjustments of {$0.00} and then my principal balance increased by over {$5000.00} My understanding of this occurring, through research not through Wells Fargo who hasnt responded to emails for calls, is when they continue to make payments to your escrow they can add that amount to your principal. However my payments have been made from my escrow decreasing it to nothing and they still added on the principal balance without my knowledge. 
Now my loan is increased, extended and my escrow is going to be short which will increase my pmts next year to an amount I can not afford. 

Looking into refinance my loan and I am told my costs will include paying my taxes and that amount should be refunded to me at close through my current escrow. However I have nothing in my escrow and my loan at refinance is $ XXXX more. So I am now paying this amount twice without my knowledge. 

Can Wells Fargo do this without my consent or knowledge when I opted to pay a higher monthly payment not an increased principal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: American International Finance, Inc.
State: IN

Complaint narrative:
I have disputed this account with the company and bureaus on : XX/XX/2020 and XX/XX/2020. I have asked removed the incorrect information as my address, my name. They have removed the account all together from my XXXX and XXXX. I have then called on XX/XX/2020 and asked why it was not removed from XXXX and they could not give an answer. XX/XX/2020 it was removed from Transunion and on XX/XX/2020 it was removed from XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Regional Acceptance has placed negative information on all of my credit reports without any notice to me. I have sent them a validation letter via Certified USPS mail and have proof they have received it. I have asked them to validate this unsubstantiated claim. 

Also under the Fair Debt Collectio Act, this item needs to be REMOVED while a dispute is under investigation, and if validation and items requested in the validation letter are not provided then Regional Accep [ tance needs to permanently remove this reporting from all 3 credit bureaus. 

Regional Acceptance has hundreds of complaints against their collection practices online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a overdraft account that is very messed up my name is XXXX XXXX and the matter isn't resolved and it's very overdraft by XXXX so I would like a compensation or to sue them as a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Regional Acceptance has placed negative information on all of my credit reports without any notice to me. I have sent them a validation letter via Certified USPS mail and have proof they have received it. I have asked them to validate this unsubstantiated claim. 

Also under the Fair Debt Collectio Act, this item needs to be REMOVED while a dispute is under investigation, and if validation and items requested in the validation letter are not provided then Regional Accep [ tance needs to permanently remove this reporting from all 3 credit bureaus. 

Regional Acceptance has hundreds of complaints against their collection practices online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
Vehicle was stolen XX/XX/XXXX it was deemed a total loss and paid for by XXXX XXXX XXXX on XX/XX/XXXX. XXXX has on my credit report that Im over 90 late and I owe a balance of {$12000.00} dollars and this is preventing me from closing on my home next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner, the collection company is trying to collect on an invalid debt owed. The collection agency falsified balances, falsified payments and falsified records thus this collection agency has no legal rights under FCRA 621 ( a ) ( 2 and Fair Debt Collection practices. I have attempted to contact the credit bureau and the collection agency with no positive results. This collection agency is abusive and clearly in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Hi my name XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. On XX/XX/2020 SBA deposit {$4000.00} to my business account for covid19 relief. OnXX/XX/2020 me myself made a cash deposit inside branch for {$4000.00}. I XXXX XXXX the XXXX of XXXX XXXX XXXX XXXX never received a debit card from Associated bank for XXXX XXXX XXXX XXXX until XX/XX/2020 so yes u see numerous of XXXX coming from this business account sending to the same people who are XXXX XXXX XXXX employees. SBA approve XXXX XXXX XXXX deposit that was made on XX/XX/2020 into company account ending in # XXXX. SBA are also very aware of when XXXXXXXX XXXX XXXX XXXX were established so Im confused to why Associated bank will make false accusations stating that in order to get an SBA business loan your company have to been establish a certain period of time XXXX XXXX XXXX XXXX are active with the state of Illinois, and IRS. Associated bank stated they sent SBA deposit back SBA stated over the phone that the deposit made on XX/XX/2020 for XXXX XXXX XXXX XXXX  can not be reverse. XXXX XXXX XXXX XXXX business account with Associated bank still frozen as of today XX/XX/2020with available balance of {$5300.00}. I have phone records, emails that Associated bank received XXXX XXXX XXXX business documentation in a timely manner. Ive made numerous visit to the branch with an email from banker saying she tried reaching out to XXXX, also she forward all documentation. Associated bank have made numerous of false accusations toward me and my company that make me the XXXX  believe an employee of Associated bank trying to steal. Below are evidence of the accurate deposit that was made from SBA to XXXX XXXX XXXX XXXX with 2 recent bank statement from Associated Bank to justify that our company money are still available and not sent back. SBA stated they can not accept deposit back because it have been approve for XXXX XXXX XXXX XXXX. I have disclosed a copy of my personal bank account statement showing that I use my personal account for business purpose and do not have to use SBA loan for personal use. My company already gross {$8000.00} in XXXX and {$14000.00} In XXXX that I have circle on my personal account statement so please stop making false accusations against me and my business. Associated bank trying to make it seem like XX/XX/XXXX are a criminal this not right and should be against the law. If Associated Bank would have did their proper investigation by giving me the XXXX a call instead of judging of how it look my account will not be frozen as of today XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: IL

Complaint narrative:
Found Identity Theft on my credit files. Several accounts that were not mine. Belongs to another XXXX XXXX. Filed police report, FTC report and dispute with Transunion, XXXX  and XXXX. Several accounts on each file. This particular complaint is against XXXX. My complaint came back verified by creditor when it plainly states that " a debt collectors words can not be the sole proof of verification of the debt. '' XXXX, Transunion and XXXX..totally broke the law by doing this and refused to remove these items from my account with no proof other than thier own words. I would like the following items removed from my file my XXXX, XXXX and Transunion Files. 
XXXX XXXX Act # XXXX Paid /Closed XXXX XXXX XXXX Act # XXXX Paid/ Closed I would like the following files removed from Transunion and thier method of verification and who exactly they talked to and when. 
The Following Medical accounts from XXXX XXXX/ XXXX  XXXX All accounts pertaining to XXXX/ XXXX XXXX XXXX XXXX. {$170.00} XX/XX/XXXX. {$230.00} XX/XX/XXXX. {$13000.00} XX/XX/XXXX. {$160.00} XX/XX/XXXX. {$340.00} XX/XX/XXXX. {$85.00} XX/XX/XXXX. {$440.00} XX/XX/XXXX. {$190.00} XX/XX/XXXX. {$67.00} XX/XX/XXXX. {$110.00} XXXX XXXX XXXX. XXXX IL Closed/paid {$1000.00} XX/XX/XXXX Delete not mine Delete XXXX XXXX  XXXX Ohio XXXX XX/XX/XXXX Paid/ Closed. Not Mine Delete The following accounts are fraudulent ane or identity theft on XXXX. 
XXXX XXXX closed paid # XXXX {$1000.00}. Not my account XX/XX/XXXX XXXX XXXX {$6600.00} closed paid # XXXX Fraud Not my account These are fraudulant accounts and were included in identity theft police reports and FTC reports. I would also like XXXX and Transunion to explain the method of verification. Who exactly they talked to that aledgedly verified this identity theft debt and the method of verification. I want these debts " blocked and removed '' immediately and my police and FTC report honored as true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: IL

Complaint narrative:
Found Identity Theft on my credit files. Several accounts that were not mine. Belongs to another XXXX XXXX. Filed police report, FTC report and dispute with XXXX, Equifax and XXXX. Several accounts on each file. This particular complaint is against XXXX. My complaint came back verified by creditor when it plainly states that " a debt collectors words can not be the sole proof of verification of the debt. '' XXXX, XXXX  and Equifax..totally broke the law by doing this and refused to remove these items from my account with no proof other than thier own words. I would like the following items removed from my file my XXXX, Equifax and XXXX  Files. 
Morris Plan Act # XXXX Paid /Closed XXXX XXXX XXXX Act # XXXX Paid/ Closed I would like the following files removed from XXXX  and thier method of verification and who exactly they talked to and when. 
The Following Medical accounts from XXXX XXXX/ XXXX  XXXX All accounts pertaining to XXXX/ XXXX XXXX XXXX XXXX. {$170.00} XX/XX/XXXX. {$230.00} XX/XX/XXXX. {$13000.00} XX/XX/XXXX. {$160.00} XX/XX/XXXX. {$340.00} XX/XX/XXXX. {$85.00} XX/XX/XXXX. {$440.00} XX/XX/XXXX. {$190.00} XX/XX/XXXX. {$67.00} XX/XX/XXXX. {$110.00} XXXX XXXX XXXX. XXXX IL Closed/paid {$1000.00} XX/XX/XXXX Delete not mine Delete XXXX XXXX  XXXX Ohio XXXX XX/XX/XXXX Paid/ Closed. Not Mine Delete The following accounts are fraudulent ane or identity theft on Equifax. 
XXXX  XXXX closed paid # XXXX {$1000.00}. Not my account XX/XX/XXXX XXXX XXXX {$6600.00} closed paid # XXXX Fraud Not my account These are fraudulant accounts and were included in identity theft police reports and FTC reports. I would also like XXXX  and XXXX  to explain the method of verification. Who exactly they talked to that aledgedly verified this identity theft debt and the method of verification. I want these debts " blocked and removed '' immediately and my police and FTC report honored as true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: PA

Complaint narrative:
I have a loan with FEDLOAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureas and FEDLOAN with no successful resolution. All 3 bureausonly reporting me late. There was definitely an error on their part. I was never 120 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Since COVID 19 started my hours have been reduced. I have called Fay Servicing on many occasions. The first time was on XX/XX/20. I stated that I couldn't pay my mortgage do to my hours being reduced The representative stated that they have a forbearance program and to continue calling every month. I called on XX/XX/20 on XX/XX/20 on XX/XX/20 on XX/XX/20 and on XX/XX/20 after I received a letter stating that since they have tried numerous times to reach me I'm am now in forcloser. I was assigned from the start a case manager XXXX XXXX that never answered my calls but claims in this letter that he tried calling me. I requested to speak to his supervisor and left him XXXX XXXX a message on XX/XX/20 and never called me back. I finally got a hold on Mr XXXX on XX/XX/20 I mentioned all my situations including not receiving letters he claims were sent to me to fill out for my forbearance and calls they falsely claim they did. Mr XXXX asked me to go check my post office and to ask for the letters I never received and that he couldn't help me any further. I feel that Fay Servicing is not willing to help me during this crisis and are lying and falsely stating that they have been unable to reach me when I have made all the above calls mentioned. I feel that their tactics and practices are with bad intentions when all I need is help not threats during this pandemic. Please help me. Thank you XXXX XXXX loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
My credit report shows a hard inquiry from Exeter XXXX on XX/XX/2020 that I do not recognize. I would like this removed from my credit report. 

Thank you.

Company response to consumer: Closed with explanation