vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I received a call from Portfolio Recovery Associates, LLC. I was told by their representative that they would take a one time payment of {$3000.00} to settle a past due credit card debt ordinally owed by XXXX XXXX ( USA ) that they were collecting on behalf of. ( The original total balance was {$5800.00} ). I asked them if they could send me proof that if I paid the {$3000.00} it would completely satisfy the debt. The representative told me they would mail me a PAID IN FULL notice and delete the negative information from my credit file and assured me we were on a " recorded '' line which would serve as proof of the offer. I made the {$3000.00} payment under these terms but instead of a paid in full letter I received a bill for the balance, {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX  has inaccurate information regarding a checking g account I use to have with BB & T 4 years ago. 
Ive talked to them and sent all the documents that show proof. XXXX   reported : suspected fraud activity on my old BB & T checking account which is completely false. 
This is consider SLANDER in America!! 
They need to take this inaccurate information off my credit report IMMEDIATELY! 
What can I do? 
Thanks

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 2020-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
Attempted to open a " Simple Account '' account XX/XX/2020. Without explanation -- was declined ( note this is not a credit product, nor would my credit be an issue ). Very weird. I've read Simple discriminates against permanent residents, but I am a citizen. Unaware of anything that would cause KYC issues. No issues with my XXXX. No method of escalation is apparently available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
This is a fraudulent charge that was taken care of with all 3 credit Bureaus YEARS AND YEARS AGO! And was very time consuming and an extreme nuisance!!! I have already had this taken care of! Now this random 3rd party collector has revived it again! I demand it be removed immediately, because this time I will just sue, for the inconvenience. I'm not going through this again, its fraudulent and has been added to my identity theft report with http : //www.identitytheft.gov/ ( Originally XXXX  )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: Innovis
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH 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 non-monetary relief
Consumer complaint received 2020-03-08 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: CORELOGIC INC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH 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 2020-03-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH 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 non-monetary relief
Consumer complaint received 2020-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I used Wells Fargo for a SBA loan in XX/XX/2018. I had two major issues that cost me {$21000.00} 1 ) Wells Fargo had many issues meeting required escrow timelines and had to extend escrow many times. We were scheduled to close for a final time on XX/XX/2018. The seller and I ( the buyer ) had signed early in the morning before XXXX XXXX. At XXXX XXXX  my commercial agent called and emailed me to let me know Wells Fargo didn't wire the funds. Unfortunately the seller had enough and wanted to cancel and keep my {$40000.00} earnest money deposit. I had to pay the seller an additional {$10000.00} to extend to the next business day. 
2 ) I signed a loan commitment letter on XX/XX/2018 that included a 2 % pre-payment penalty. I went to sell the office this year and was charged a 8 % pre-payment penalty. They changed the pre-payment penalty at the close of escrow without notifying me. We were in a mad dash rush to sign the loan docs in order to meet the XX/XX/2018 close that there wasn't time to read over the hundreds of pages. I was charged {$11000.00} over what I had agreed to. 
We are just a small family business. An SBA loan was suppose to help us but instead because of Wells Fargo, it was a expensive nightmare.

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 2020-03-08 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: NV

Complaint narrative:
Someone has been used my information to open accounts. Ive sent letters to the Credit bureau 4 times and I havent heard anything from 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 2020-03-08 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: NV

Complaint narrative:
Someone has been used my information to open accounts. Ive sent letters to the Credit bureau 4 times and I havent heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: NV

Complaint narrative:
Someone has been used my information to open accounts. Ive sent letters to the Credit bureau 4 times and I havent heard anything from 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 non-monetary relief
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
This company received their merchandise back further mire it is a violation of FCRA to continue to report a debt in a consumers credit report more than 7 years. Even if the account was legitimately owed the date of last payment was XX/XX/XXXX. The account would have gone into delinquency and would be purged in XXXX. This is repeated reporting as delinquent is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is the 4th time! transunion from XX/XX/2019 to XXXX XXXX that I see this happening, I want to know how is this possible for someone to intercept information from the bank, for someone to intercept information from XXXX, an altered at the credit bureaus Data. Md law says I have the right to ask the name of the person who does the investigation. ( ( ( ( ( ( And I do not need to know how credit works and Im going to not work. ) ) ) ) )

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 2020-03-08 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: GA

Complaint narrative:
XXXX XXXX Opened XX/XX/2019 with a balance of {$3500.00}. THIS IS A FRAUDULENT ACCOUNT THAT I NEVER OPENED!!! 
XXXX/XXXX- Opened XX/XX/2019 with a balance of {$11000.00}. THIS IS A FRAUDULENT ACCOUNT!! Both these accounts were opened during XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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:
XXXX XXXX Opened XX/XX/2019 with a balance of {$3500.00}. THIS IS A FRAUDULENT ACCOUNT THAT I NEVER OPENED!!! 
XXXX/XXXX- Opened XX/XX/2019 with a balance of {$11000.00}. THIS IS A FRAUDULENT ACCOUNT!! Both these accounts were opened during XXXX time.

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 2020-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Some months ago, I disputed XXXX XXXX XXXX XXXX  ( XXXX ) /XXXX  Account ( See Attached ), on my Transunion Credit Report , to VERIFY ALL ACCOUNT INFORMATION. I have not received the results of this dispute. In fact, the XXXX/XXXX  Account still shows in the COMMENTS that the ACCOUNT IS IN DISPUTE.

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 2020-03-08 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: MS

Complaint narrative:
Some months ago, I disputed XXXX XXXX XXXX XXXX ( XXXX ) /XXXX Account ( See Attached ), on my Experian Credit Report, to VERIFY ALL ACCOUNT INFORMATION. I have not received the results of this dispute. In fact, the XXXX/XXXX Account still shows in the COMMENTS that the ACCOUNT IS IN DISPUTE.

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 2020-03-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputes obviously not being investigated properly or with due diligence. If they were then the item would be removed as it should be. There is no explanation given as to the results in regards to who they called, talked too, and no justification to back their decision or investigation results. Its just a repetitive process with no communication or details given. This is a process that needs so much improvement. We have to provide documentation to back what we say up. They should do the same.. I have several accounts I cant get taken care of as a result.

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 2020-03-08 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: GA

Complaint narrative:
Disputes obviously not being investigated properly or with due diligence. If they were then the item would be removed as it should be. There is no explanation given as to the results in regards to who they called, talked too, and no justification to back their decision or investigation results. Its just a repetitive process with no communication or details given. This is a process that needs so much improvement. We have to provide documentation to back what we say up. They should do the same.. I have several accounts I cant get taken care of as a result.

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 2020-03-08 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: GA

Complaint narrative:
Disputes obviously not being investigated properly or with due diligence. If they were then the item would be removed as it should be. There is no explanation given as to the results in regards to who they called, talked too, and no justification to back their decision or investigation results. Its just a repetitive process with no communication or details given. This is a process that needs so much improvement. We have to provide documentation to back what we say up. They should do the same.. I have several accounts I cant get taken care of as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: NY

Complaint narrative:
There are several inquiries on my report that I did not manually create nor authorized. Under the FCRA they must be removed if no evidence has been provided. I have demanded they be removed immediately since they were made without my permission.

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 2020-03-08 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have private and student federal loans with navient. During XX/XX/2019, I was advised that I needed to make a payment because the payments they recieved wasn't going to the accounted with the due dates. I was not provided clear instructions on which accounts to pay and as to how much. 

In XX/XX/2019, I spoke with a lady who verbally advised that if I scheduled an payment my account would not report late as I would have met the deadline before the reporting to the three major credit bureaus. A few months ago, I called back and spoke to another lady and asked that an investigation be completed because I was provided incorrect information. 

As a result, the second time I called was advised that a manger would listen to the phone records to hear what her staff advised and assist with getting the late payment removed as I was following her direction. To present, nobody has called and when I call I get the run-around. 

I have tried to handle this on my own and if someone replays the phone record ( as all calls are monitored XXXX will clearly hear the lady advising that if I schedule a payment, my account would not report as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
All asked for info provided. Delay in response at another point, they found attorney third party with said office near my home as requested, turns out never had one at all. When asking Bar Assoc about location of said attorney, # was given to me and info spoke about. Attorney stated she never heard of firm representing me or myself. Office environment was asked for, being scammed by attorney in XXXX  for 6 years caused for need of not being Pro Se, complicated case needing help, joined XXXX, a few years be a member, the time and amount of contacted attorney to move fwd in my quiet title, securitization audit, payment history after XXXX XXXX payment was needed to be picked up has a lack of Relationship Manager, with scheduled appointments with certified HUD council XXXX  XXXX involved since XX/XX/20, recorded conversions are being written by staff member to show negligence on their end. The servicer has merged with another and interrogatories are being asked to be answered after a attorney for investor offered, I excepted via phone only, due to interrogatories was recommended to have council but to no avail. XXXX seems to have conflict of interest with banks.

Company response to consumer: Closed with explanation