vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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:
I pulled my credit report and there are inaccurate name variations, addresses, and employers listed. 

INACCURATE NAME VARIATIONS XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS XXXX XXXX PLACE CT, XXXX XXXX, OH XXXX - THE FOLLOWING ARE INACCURATE ADDRESSES XXXX FAIRWAY OVERLOOK, XXXX, GA XXXX XXXX FAIRWAY OVERLOOK, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX MY EMPLOYER IS XXXX XXXX - THE FOLLOWING ARE INACCURATE EMPLOYERS XXXX XXXX XXXX XX/XX/XXXX I CAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TEACHER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-08-11 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have requested from XXXX and Wells Fargo to send me a physical validation original signature and they have failed to do so also every dispute I file they changed Dates and the amount ... .there is too many inconsistencies in reporting on my credit by Wells Fargo and XXXX  different amounts owe { NOT ACCURATE } reported Payment in 2015 { NOT ACCURATE to extend date i believe } Several different First reporting dates { NOT ACCURATE } close date { NOT ACCURATE } are all inaccurate ... on my credit report file I believe XXXX has played a big part reporting when they know that there's some inconsistencies and I personally believe that big Banks pay credit bureaus to continue to report negative items on one 's credit in spite of inaccurate info XXXX allows the creditors change dates, amounts and removal dates to fit wellsfargo 's narrative ... I believe they must follow the guidelines of Federal Credit Reporting Act and CFPB..

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 2020-08-11 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Went to XXXX XXXX to open a checking account and my request was denied by XXXX XXXX do to Adverse Information listed on my Chex Systems Consumer Report : XXXX. I shouldnt have any adverse information on my consumer report. The following information listed on my Chex Systems Consumer Report is fraudulent and not my accounts : XXXX XXXX XXXX, XXXX   XXXXXXXX XXXX XXXXXXXX and XXXX XXXX  XXXX XXXX XXXX. I have never opened a checking account with the banks that are listed. I have a police report on file with Chex Systems for being a victim of identity theft.

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 2020-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
I have been trying to close a refinance mortgage with Freedom Mortgage Company and they are not providing my closing documents and my closing is scheduled tomorrow XX/XX/XXXX. I have emailed the exception handler on XX/XX/XXXX and XX/XX/XXXX with no response in regards to these documents. Since it has been so long since my initial application in XXXX I no longer have access to the online portal. I feel as if we have no choice but to close on the loan as we have already taken time off work to make this appointment. This is the second attempt at closing this loan and I have spent countless hours trying to get the company to communicate with me.

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 2020-08-11 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have wrote several letter to BMW financial and called several time to BMW Financial to speak with the proper department or a manager to resolve an issue in regards to my current lease and reporting on my credit bureau.I would like to be able to speak and get in contact with the management team to discuss my account and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been trying to refinance my mortgage with JPMorgan -- and ever since I obtained a rate lock in of 2.75 -- they have used every delay tactic so that my rate guarantee will expire. They claim they don't get communication via their chat site -- they don't read their emails -- they are now requesting their 6th set of paystubs -- and this is after verifying my employment with my firm less than 4 days ago. 

They have asked for a written explanation why my wife changed her name 14 years ago ( marriage ) They have asked me for proof that I didn't own a property that I rented almost 17 years ago ( how do you prove that you DONT own something?? ) Oh, and I've had my mortgage with JPMorgan for 10 years - my income has doubled in this period, paid the mortgage down by $ XXXX, and regularly make extra payments -- never a late payment in 10 years. 

My issue is that JPM is continually lied that they had everything, their people NEVER get back to you, and then now they are warning that the rate guarantee will likely expire -- and that I will need to get a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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:
I pulled my credit report and there are inaccurate name variations, addresses, and employers listed. 

INACCURATE NAME VARIATIONS XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS XXXX XXXX XXXX  XXXX, XXXX XXXX, OH XXXX - THE FOLLOWING ARE INACCURATE ADDRESSES XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX MY EMPLOYER IS XXXX XXXX - THE FOLLOWING ARE INACCURATE EMPLOYERS XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following accounts : XXXX # XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX  XXXX  # XXXX 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2020-08-11 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: CA

Complaint narrative:
I have wrote several letter to XXXX XXXX and called several time to XXXX XXXX to speak with the proper department or a manager to resolve an issue in regards to my current lease and reporting on my credit bureau.I would like to be able to speak and get in contact with the management team to discuss my account and credit reporting.

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I got identity theft long time ago, I reported to the XXXX  back XXXX. I get a IP Number in the mail to do my taxes every year. Every time I do my background check done, the report shows addresses that I never lived .. I only lived in XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX all XXXX XXXX address only ... my birthday is XX/XX/1994 so if you do the math, I couldnt work at that age where those false addresses show up on my report. My number is 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 2020-08-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Fell behind on payments due to error from my Doctors office. Contacted SYNCB / CREDIT on several occasions and wrote them a letter. No reply.

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 2020-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: NV

Complaint narrative:
US BANK LISTED ACCOUNT DIFFERENTLY WITH XXXX/XXXX. 
XXXX  IS NOT REPORTING CORRECT BALANCE AND LETTER REQUESTING THE STATEMENT TO SHOW THE BALANCE OF WHAT I OWE. I PAID AND SENT A PAYMENT FOR {$200.00} HOWEVER IT DOES NOT REFLECT THE BALANCE. US BANK TRANSFERRED THIS ACCOUNT TO ANOTHER AGENCY AND WILL NOT UPDATE THE 3RD PARTY AGENCY WITH THE CREDIT BUREAUS. THE FURNISHERS LETTER EXPLAINS IN DETAIL TO PROVIDE ME A STATEMENT OF THE AMOUNT/BALANCE I ALLEGEDLY OWE FOR {$4000.00}. I KNOW I DO NOT OWE THAT AMOUNT IF I HAVE SENT PAYMENTS. 



Account number XXXX Account status Closed Date opened XX/XX/2018 2018

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 2020-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I received a letter from XXXX XXXX Senior Vice President Loan Organization dated XXXX XX/XX/XXXX asking if I would refinance my current VA loan with Lakeview. I called numerous times and never got through. Was on hold for hours. Finally got Through today XXXX XX/XX/XXXX XXXX. Told one gentleman, not XXXX XXXX, what was going on he said the letter was the best interest rate they would do no better and hung up on me. So dismayed about the hang up I called back. I got to talk to another gentleman, explained the situation and I told him because the first guy hung up on me I called another loan company. He got very irritated with me like I wasnt supposed to do that. He kept asking me if I had a loan estimate from the other places I called. I said yes and he got very rude with me. I told him he needed to be nicer and that I have told him three times I had another loan estimate lower than they were offering. Could their company match it or beat it. This guy said no and hung up on me as well! Ive been with this loan company after the initial borrower sold my loan to Lakeview XXXX because the state of Texas said this was who we had to use because it was the only VA loan company we could use. My experience with this company hasnt been as good as some of these reviews. But over the last two years, I have had to deal with this company charging me for property taxes when I was tax exempt as a 100 % XXXX veteran and had to submit my tax free exemption letter from our county twice. We also were having to pay higher mortgage once we finally got the taxes worked out for our house insurance which was lower than what the XXXX insurance was charged. XXXX said they were tired of trying to work out the details so they credited me almost {$400.00} last year. Also today I tracked XXXX XXXX down and his secretary said she emailed him and that he would return my call by the end of the day. Its XXXX XXXX time and no phone call. Lakeview obviously doesnt care about their current home owners! Most humbly I would think a over $ XXXX house would get better treatment since the interest on our home with this company is over {$1700.00} a month but guess I was wrong!!! If anyone would like to talk to me about me experiences with this company and as a 100 % XXXX veteran from XXXX and XXXX my number is XXXX. Dont hesitate to call!!!

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to complain about a company called XXXX ( XXXX XXXX XXXX ) that is on my credit report. The amount is XXXX $ The original creditor for this account was XXXX XXXX.On my credit report, there isn't even an account number for this collection so I can not reference it here! 
I have filed disputes with Transunion and XXXX regarding this issue, back in XX/XX/2020 this account was with another agency called " XXXX XXXX XXXX XXXX '' and it was removed! Then the account was sold to XXXX XXXX XXXX and came back! If the account was removed the first time, then that proves it was not a verifiable debt! I have requested method of verification because this is NOT a valid account. XXXX XXXX XXXX have not supplied any type of verification of this account, and I am requesting this right now because it is my right. 

I do not know the account number for this claim at all! 
I am attaching a photo of my XXXX credit report! This account does not even have an account number and is not showing properly!! I DEMAND this to be removed or show actual PROOF that this is 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 2020-08-11 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
i did not apply for commenity XXXX XXXX ... i talk to them and they sent me an letter that they remove it buy failed to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 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: OH

Complaint narrative:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following accounts : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following accounts : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson and Kennard, LLP
State: CO

Complaint narrative:
According to Nelson and Kennard who represent XXXX XXXX, XXXX state that i owe {$8300.00} for a account i did not own. I tried to get the information that they said they had to prove their case. I got a billing statement for billing that had a date of XX/XX/XXXX. the account was in my name and address was listed where i used to live. What caught my eye was the credit card account number was different from the credit card i did have with them and has since been paid and canceled. I told them that this account wasn't even mine. Their answer was because my name was on it it was my account and owed the amount. I asked Nelson and Kennard to show me the form where i signed for this account. Nothing was produced. If i understood Nelson and Kennard they are the second debt collector to have this account. They say I was served to appear in court. The age of the person served as XXXX, at that time i was XXXX the height of the person was XXXX foot, im XXXX. In order to put pressure on me to pay the debt Nelson and Kennard or XXXX had put a lean on me. I found this out when i tried to get a G.I. loan in XXXX for a home, of course i was denied the loan because of this.According to a screen shot page dated XX/XX/XXXX from XXXX it states that I do not make enough money to garnish. 
In short i never owned the card in question. I would like to have the Lean taken off and the debt erased. I feel they have taken away my right to getting a home for my family as owed thru the G.I. bill.

Company response to consumer: Closed with explanation