vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Fraudulent accounts were opened online, in my name with XXXXXXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I did not know about these accounts until I received a debt collection letter in regards to one of these accounts. These are fraudulent accounts that I never opened! 

When I became aware of the fraudulent accounts, I immediately opened disputes with credit bureaus, reported to XXXX XXXX XXXX fraud department and XXXX XXXX XXXX XXXX   fraud department for investigation on XX/XX/XXXX. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft. 

I received a collection letter for the amount of {$7800.00} from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with XXXX XXXX XXXX with a balance of {$990.00}, and the other with XXXX XXXX XXXX XXXX  in the amount of {$7800.00}. I have never received a card for the accounts with either company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the accounts. I did NOT apply for the accounts!!! 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX  also never contacted me to verify my identity before the accounts were fraudulently opened in my name! 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX  have been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get these removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Fraudulent accounts were opened online, in my name with XXXXXXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I did not know about these accounts until I received a debt collection letter in regards to one of these accounts. These are fraudulent accounts that I never opened! 

When I became aware of the fraudulent accounts, I immediately opened disputes with credit bureaus, reported to XXXXXXXX XXXX XXXX fraud department and XXXX XXXX XXXX XXXX   fraud department for investigation on XX/XX/XXXX. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft. 

I received a collection letter for the amount of {$7800.00} from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with XXXXXXXX XXXX XXXX with a balance of {$990.00}, and the other with XXXX XXXX XXXX XXXX  in the amount of {$7800.00}. I have never received a card for the accounts with either company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the accounts. I did NOT apply for the accounts!!! 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  also never contacted me to verify my identity before the accounts were fraudulently opened in my name! 

XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  have been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get these removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.

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 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
In XXXX, I contacted ditech regarding my home mortgage loan, on advice of my bankruptcy attorney. I spoke with customer service at length, explaining my desire to pay three monthly payments in advance, for the months of XXXX, XXXX, and XXXX, and to not have payments all consolidated toward principal on my loan. In addition, I instructed the customer service agent that ditech was no longer allowed to auto-draft payments from my account. The agent confirmed this to me twice, then processed three payments for the monthly amount of the loan - {$1000.00}. 

In XXXX, after I filed bankruptcy, I learned that ditech auto-drafted {$970.00} from my personal bank account, putting me in a hardship during the holidays. I immediately contacted ditech. I spent nearly three hours on hold and was eventually told, after repeatedly raising my voice at the agent in order to get the matter handled, that the auto-draft was improper and the money would be returned. The agent obtained a checking account and routing number and told me the money would be returned. The agent 's name was XXXX. That call took place approximately XX/XX/XXXX. 

In early XXXX, I again called ditech because the money had not been returned to my account. After holding for nearly 40 minutes, as I recall, a customer service agent came on the phone, said they were aware of the need to repay the {$970.00}, and that the repayment is approved, but is awaiting a supervisor 's signature. That phone call took place approximately XX/XX/XXXX. 

Today, XX/XX/XXXX, the money has still not been returned. I have called ditech on two different phone lines. At this moment, I have been on hold on one line for 1 hour and 40 minutes and for 1 hour and 7 minutes on the other. I have requested the legal department, or customer service to help. In addition, I learned today that ditech has transferred my loan to another lender. Regardless, ditech has had ample time to resolve this. I believe this practice is systematic and designed to not be accountable to customers, and to benefit from errors by ditech. 

As I am completing this complaint, the 1 hour, 40 minute call has now rolled over to a survey, and the call hung up. I would like action to be taken against ditech, and I want my money returned.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: MS

Complaint narrative:
On or around XX/XX/2019, I received a debt collection letter from ARS NATIONAL SERVICES INC to collect a debt on behalf of XXXX XXXX XXXX XXXX. 

The account with XXXX XXXX XXXX XXXX was opened online, in my name, fraudulently. 

I never received any card in the mail from XXXX XXXX XXXX XXXX. 
I never received any billing statements, online or by mail. 
My email address and phone number is not associated with the account. 
I never received phone calls in regards to the application or the account. 

I never received any contact prior to the fraudulent account being approved and opened in my name, to verify my identity, in order to prevent this exact gigantic issue from happening! 

This is a debt I did not personally apply for or obtain. This account was reported as fraud immediately upon discovery of the fraudulent account in my name. 

I reported the account as fraud, placed fraud alerts and credit freeze, filed an identity theft report with the FTC, opened disputes with credit report bureaus, andfiled a police report with my local police department. 

This account is fraudulent and was opened in my name FRAUDULENTLY. I'm doing everything I can to clear my name and to clear this fraudulent activity from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Please see below from my current mortgage broker for the actual payoff amount wired to Wells Fargo on XX/XX/2019 for my refinance. I was told per the email attached (second attachment) that my $XXXX   was included in the payoff balance. That is not correct. Wells Fargo still owes me my $XXXX which was mishandled and placed into suspense without my permission. $XXXX was wired to them, not the $XXXX  which they stated was paid that “included the $XXXX placed in suspense”. Wells Fargo still has my $XXXX and I would like this refunded ASAP as I have told them on several occasions now to which their response is "this case has been opened and is being worked/reviewed".  There is a $XXXX difference in the amount wired to Wells Fargo versus the payoff estimate they are stating was provided to my current lender for the refinance. To date, I have only received $XXXX   via check from Wells Fargo, refunded from the overage on my escrow. Being that the Wells Fargo payoff estimate was including everything through a XX/XX/19 payoff date, when in fact this was funded and $XXXX XXXX wired to them on XX/XX/19. At minimum, they owe me $XXXX for the discrepancy between what was refunded to date and the overage my current mortgage holder paid to them along with my $XXXX not included in the payoff balance. (From my current lender who I refinanced to)**Hi there XXXX,It was a wire that we sent to Wells Fargo on XX/XX/19.  I have a confirmation number of XXXX for the amount of $XXXX on XX/XX/2019.

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 2019-12-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX # XXXX is reporting an account to my credit report that is already paid in full and extremely old. I have asked them multiple times to remove this and they have not done so. There is no reason for it to still be on credit and I would appreciate if it was removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 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: NV

Complaint narrative:
XXXX XXXX # XXXX is reporting an account to my credit report that is already paid in full and extremely old. I have asked them multiple times to remove this and they have not done so. There is no reason for it to still be on credit and I would appreciate if it was removed.

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 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, my credit card was fraudulently charged for a XXXX  purchase of XXXX. After which noticing, I contacted XXXX  and Capital One to resolve. Capital one issued a TEMPORARY CREDIT and XXXX  refunded the Amount. XXXX  refunded their authorization made on their end by another purchase on XXXX  for the same amount. Capital one reversed the temporary credit and I was left with a negative balance from having an over credit. I contacted Capital One and they sent me a refund of the credit minus the amount of a Hotel purchase that was on my card for $XXXX. On XX/XX/XXXX, I was charged again for the fraudulent purchase after which speaking to a billing specialist on XX/XX/XXXX and them reassuring that at that time, this was figured out. This is deceptive billing practices. I shouldn’t be made to pay for a transaction that I did not make

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX # XXXX is reporting an account to my credit report that is already paid in full and extremely old. I have asked them multiple times to remove this and they have not done so. There is no reason for it to still be on credit and I would appreciate if it was removed.

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 2019-12-11 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: TX

Complaint narrative:
In XX/XX/2016, I decided to purchase another vehicle from XXXX XXXX XXXX XXXX after a previous successful contract payoff of a XXXX XXXX. Due to my complications from the XXXX XXXX XXXX, we had fallen behind in payments, and the vehicle went into repossession. XXXX XXXX XXXX XXXX failed to notify me of the repossession to at least allow me to bring the loan current, and they never communicated with me a notice of collection or intent to report to the bureaus. Per the laws of the state of Texas and UCC along with Texas Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements. 

I have contacted XXXX XXXX XXXX XXXX, exercising my right to request proof of validity concerning information placed on my credit file. Since XXXX XXXX XXXX XXXX failed to provide sufficient documentation, then the recorded history is to be considered an infraction of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. 

I tried to deal directly with XXXX XXXX XXXX XXXX but failed to come to a resolution. I am seeking to take action per Texas Business and Commerce Code Sec. 9.5185 against 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 2019-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Identity theft victim

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 2019-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disputing this account please help me get this resolved. 

XXXX XXXX XXXX {$370.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing this account please help me get this resolved. 

XXXX XXXX XXXX {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I called on XX/XX/2019, I had got their info from making calls to see who had this debt. I have never heard from them on their own. 

I called and told the guy that I wanted to dispute the debt as the amount he said was not the amount I had owing. I asked him to send me documentation and he skipped right to trying to get me to settle the debt. 

He tried pressuring me into a payment, payment plain I knew I was not going to be able to keep. I told him this several times. 

He threatened me with it going on further to collections. Remember I as well recorded the call, I always do. 

When I again brought up wanting to see documentation, he talked around my request and just wanted payment. 


They were also informed in a email * contact form* that I wanted this information and they were also infomred they were not to call me, friends, family or at my work, or neighbors. 

They can email me at the email I gave them, but the documentation must come thru mail. I wantt a hard copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Identity theft victim

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 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I want to report an attempt to deceive me into signing a loan doc application on the pretense that I had a signature was " missing '' a place when I signed the original loan doc application which had all the correct agreed upon numbers for loan origination and processing fees with title and appraisal and other related closing fees. In the course of resigning the edoc to get a missing signature applied, I discovered my closing cost ballooned. An added {$5200.00} on line H borrower to pay, where it was XXXX in my original doc. After I brought this to attention of processer was told would check with loan officer and subsequently told this increase due to appraisal coming in lower. The fact that they tried to deceive me to sign this loan application with added cost by telling me a signature needed was missing is defrauding me by doing so. NOT GOOD! Needless to say I asked them not to contact me any further, days later received email from their customer resolution department. Informed them what happened and that I would report it to whomever would hear me, have not gotten a reply since, that was last week. 

Here are the particulars. Late XX/XX/XXXX early XXXX reached out to Caliber to re-fi my current mortgage with them after receiving multiple emails and flyers in the mailbox about no re-fi fees except appraisal and title, take advantage of Feds latest rate cuts. 
On XXXX, signed loan doc via edoc with XXXX XXXX with agreed rates and fees was told doc would be sent to underwriters. 

XXXX Provided income verification and ID docs to processor XXXX XXXX. 
XXXX through XXXX was sent various versions edocs from Caliber system to sign, noticed they did not match loan application signed on XXXX, contacted XXXX XXXX, told " not to worry, system does that, only to sign if asked by someone to sign '' From that point I heard from an appraiser set up appointment and appraisal doc notice was sent to me on XXXX. On XXXX received email from XXXX that a signature was missing and I needed to sign a doc to complete the application. 

Upon looking at the doc it was errant the loan amount, term and interest were wrong they were based on a competitor offer they received from me, it did not represent the terms agreed upon and initially signed on XXXX. Received apology from underwriter and new copy for me to sign was sent, that is when I notice the fee difference of borrower to pay {$5800.00} where the XXXX did not have but rate, amount of re-fi and 30 year team was the same. Only when I asked after being told to sign this new doc on pretense I was adding a missing signature to original was I told sorry your appraisal caused this. This is not acceptable business practice I almost was tricked into signing up for a loan on terms I did not originally agree too on premises I was completed what I did agree too, not good, not good at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am unable to obtain my free credit report or even a paid report because the online authentication fails with my correct information entered.Their website then tells me to call a certain number, during a certain time, but it is all automated. I go through the call menu options and it eventually just hangs up on me after the automated messages. I cannot get a live agent on the phone to help me get the information I need.I also am unable to complete disputes online, credit alerts, credit freeze due to your failure of a website!I've sent the company emails and am still unable to get a response!!!

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