vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST HERITAGE CREDIT LLC
State: MS

Complaint narrative:
I received a loan for $ XXXX {$800.00} from 1st heritage credit and was signed up for extra stuff I didn't want or need. I inquired about paying the loan off early as to avoid some the interest and was told it wouldn't do any good. I was going to have to payback {$900.00} over what I borrow. At first I was told I couldn't cancel some insurance they tricked me into. Then I was told I could but it wouldn't really do any good. I don't believe it is fair borrowing a little over {$700.00} and having to pay back over {$1600.00} regardless of early pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX,XX/XX/XXXX shows XX/XX/XXXX and XX/XX/XXXX has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : US DEPT ED Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : USDOE/XX/XX/XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XX/XX/XXXXshows XX/XX/XXXX, XX/XX/XXXXshows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : US DEPT ED Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : USDOE/XX/XX/XXXXAccount # : 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 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo returned a check for {$370.00} claiming I only had {$370.00} in my account. My savings had over {$600.00} in it at the time and not one time during me logging in that day did my account go negative. Wells Fargo also never sent a balance alert like they were supposed to if my account supposedly did not have the money. On XX/XX/XXXX I actually watched that money leave my account at around XXXX - XXXX XXXX, after it left my account, I had a balance of {$22.00}. I dont see how Wells Fargo can return a check after they took it out my account and at the time they took it out, I still had a positive balance. Common sense would tell the bank I wouldve transferred {$5.00} to avoid the {$35.00} NSF and the {$120.00} fee I now have to pay to the company for a return check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I printed a letter to Experian, XXXX  & XXXX, I then mailed the letter to all three Bureaus on XX/XX/XXXX, the only Bureau that responded were Experian. On XX/XX/XXXX I printed the same letter advising that it had been over 30 days and I still haven't heard back from XXXX  and XXXX. The letters were mailed on XX/XX/XXXX. Along with the second set of letters I set XXXX XXXX a letter per response from Experian and have not heard back from them either as of XX/XX/XXXX. All three bureaus is reporting a Bankruptcy on my report dated XXXX but states that it were verified XXXX. I asked for them to validate this information, Experian states they verified this information through XXXX XXXX. I'm aware that each Bureau has 30-45 days to respond, for XXXX, XXXX XXXX & XXXX  its been over that time frame. I also contacted the courts and verified that they do not provide either of the listed parties this type of information. I'm not aware of all the legal terms when it comes to this. Since the allocated time frame has passed, this information should be deleted.

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 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone used our login information to gain access to Wells Fargo online portal and initiate 2 wire transfers and 4 XXXX transfers within a 3-day period XXXX XX/XX/20 to XX/XX/20 XXXX, before we were able to " catch '' it. The 6 transactions in question were for a total combined amount of {$7000.00}. My wife and I opened a case with Wells Fargo Fraud department, who performed an initial analysis, and denied the case, because our credentials were used.

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 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am attempting to XXXX but the new company can't pay both the loan XXXX AND the unpaid balance deferred due to covid forbearance .... My current loan holder ( Wells Fargo ) will not allow me to pay off just the unpaid balance ( {$1900.00} ) as they say XXXX XXXX will not allow that to be paid until the FULL LOAN XXXX is paid first! 

I have a case with XXXX XXXX as they have said WF is giving false information ( XXXX  case number XXXX ) and will receive a call from the XXXX  Exec Office in 1-2 business days. 

I am re financing to get aware from WF as they have been nothing but unethical and predatory if their loan handling practices from day ONE! Most disturbing was being sent letters starting a week after covid forbearance stating " It is now within our legal rights to enter your property and change the locks '' .... I have lost several weeks of sleep due to this and will do anything to get away from this immoral, unethical, and dishonest company!

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 2020-10-20 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: FL

Complaint narrative:
the information from XXXX XXXX XXXX XXXX  XXXX  does not belong to me someone used my social security number and photo id to open this fraudulent lease in my name i am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; XXXX On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXXstal Inspection Service for other  possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: FL

Complaint narrative:
the information from XXXX XXXX XXXX XXXX  XXXX  does not belong to me someone used my social security number and photo id to open this fraudulent lease in my name i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; XXXX On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
THE INFORMATION LISTED IS NOT ACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: MS

Complaint narrative:
THE INFORMATION LISTED IS NOT ACCURATE

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 2020-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2020, I called Bank of America to dispute transactions from the Service provider called XXXX. The amounts were XXXX, XXXX and XXXX, weirdly the agent took only the first too transactions and not the third. I had previously called the fraud line because my account suffered a large amount of identity theft and an account take over and many charges had previously been disputed including ones from similar. When I called I also told them that later credits from this same merchant were not credits for these transactions. I lost the investigation after three days because they assumed that I had been repaid by the same transaction I told them were not associated. I then called them back a second time for a reinvestigation on XX/XX/XXXX. I also informed them at this time they had failed to include the third transaction, but from what I can tell I still was never included. They then went back to re-investigate it but they have not done anything to date missing what I know are statuary resolution timelines of 45 days and failing to issue a provisional credit within 10 days into their continued research. I did provide a signed affidavit and they did tell me I would get a provisional credit that was a Lie. My understanding is that the responsibilities on Bank of America to investigate my claim within this time. And if they are unable to then I am not responsible. This is not the first time the bank has failed to perform its the last of the long list of issues with Bank of America not the following regulatory guidelines in the midst of my identity theft. Needless to say I would like to recover this money and I will not be working with Bank of America any further. Ive heard nothing back about this claim and I do believe they are not taking it seriously as I called many times. Regardless of their actual investigation at this point, it wasnt conducted in the allotted time and so I believe there has been a violation. Account numbe : XXXX XXXX Claim Id : 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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
requested all three credit bureau remove bankruptcy from my public record they claime it was verified buy the bankruptcy court i contacted the bankruptcy court and requested documentation i recieved a letter showing they dont have case number XXXX my name and that they dont deal with credit buearus all three buearus are showing they got this inaccurate information from the bankruptcy court which is miss leading information on my report if not removed will b taking leagal action

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 2020-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA

Complaint narrative:
I refinanced with '' PRMG '' Paramount Residential Mortgage Group Inc back in XX/XX/2020 and have had several issues with the servicing of the loan .On XX/XX/XXXX we received a letter stating our home owners insurance was expiring. The policy effective date is XXXX to XXXX so I don't see where they came up with the XXXX letter.I have received a letter dated XX/XX/XXXX stating were in default.I have contacted their customer service and collections department to correct the errors.They have acknowledged all 3 payments for XXXX, XXXX, XXXX were on time but not credited correctly.We have not incurred late fees or penalties. I have received a letter from the VA for delinquency.What I find most troubling is their accounting errors may cause a negative impact on my credit report.I have requested written documentation from PRMG stating my account has never been late. The monthly loan statements are also incorrect, they don't reflect correct " paid year to date sums ''. I have brought all these concerns to PRMG to no avail.I contacted the mortgage broker who acquired the loan to inform him of the poor service from this mortgage company. I will contact the VA to inform them of the issues as well.I would steer clear of this mortgage company. They should not be allowed to do VA loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc.
State: TX

Complaint narrative:
I keep getting calls and voicemails from a company called XXXX  XXXX XXXX. The voicemails are the same male voice but with revolving different names. After doing some research this is an attempt to collect a debt from Conn 's ( furniture and appliance store ). I last paid an amount on that debt in XX/XX/XXXX XXXX over 7 years ago ) and furthermore the debt was discharged in bankruptcy in XX/XX/XXXX XXXX over 3 years ago ). They keep calling and leaving voicemails. They seem to have an infinite amount of internet based voice-over-ip phone numbers. I block them all the time but they always have a new number from a new state for which they can call me. These people need to be stopped. Their needs to be some consumer protection regulation against organizations like this. I get called by these people EVERY SINGLE DAY ( and sometimes even on Sunday nights ). It is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company PHH Mortgage has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company PHH Mortgage. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XXXX XXXX XXXXXXXX! XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This morning XX/XX/2020, another Clueless person called me. 

The reason the forbearance was a scam is that despite news reports that whatever amounts owed would be tacked on to the end of the loan, it clearly said in my paperwork that I had to pay it in a lump sum so I decided not to do that and not let myself fall for another bank scam to capture my home. I paid in full ahead. It was YOUR SCAM And then due to BofA rules you could not do a refi at a lower interest rate which would logically reduce my monthly mortgage payments. Given my XXXX FICO score on my {$2.00} XXXX home with a $ XXXX mortgage I question why you keep ignoring my reality, my good credit, and my request and keep having clueless people call. THEY DONt KNOW. I wish to reduce my monthly payments and a lower interest rate refi is the logical way to do it. Its been three months. Your right hand doesnt know what the left hand is doing. You have appointed yet another clueless individual named XXXX who can not be contacted and whose letters are form letters. 

READ!!!!!!!!!!!!! Lower interest rate refi. {$2.00} XXXX  Dollar home. XXXX FICO score. {$300.00} mortgage balance. Lived here for over 40 years. 

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
hi, I sent out a dispute about incorrect personal info on XX/XX/2020 and its been well over 60 days with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
On Tuesday, XX/XX/2020 XXXX XXXX they sent my information ( Including the amount owed // {$980.00} ) to a random email address, which is my father email-address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Reporting information incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recognize these accounts on my credit report.may belong to someone else.

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 2020-10-20 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: FL

Complaint narrative:
I do not recognize these accounts on my credit report.may belong to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have not been able to get the fraud alert removed on my credit file by calling or sending a letter. The fraud alert is causing issues for me and it has the incorrect phone number listed on the fraud alert.

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