vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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:
Please accept this message because its really important for me. Please remove these accounts because its a totally wrong information- its identity theft. I do not know these accounts and how they appear in my credit report. I do not recognize them and I have never signed any contracts and agreements. The accounts are definitely not mine. Please remove them from my credit report its very important for me. I do not know these items ended up in my report.

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 2020-12-22 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a mortgage loan with NATIONSTAR/MR COOPER, and I have always made my payments on time. I'm trying to refinance my mortgage to another company and now being told that my payments show as 30-90 days late. I realized that there were late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I called NATIONSTAR/MR COOPER multiple times this year to correct payment errors. MR COOPER was not applying payments correctly to mortgage payment. Payments were being sent from my bank account and MR COOPER would hold these payments in a " unapplied funds '' accounts. As a result, MR COOPER was reporting my payments late and incurring late charges. In XX/XX/XXXX I contacted MR COOPER to correct these errors. They did eventually reversal all late charges and apply money correctly but never updated credit report to reflect as " on time ''. I tried contacting MR COOPER with no successful resolution. There was an error on their part. I was never 30+ days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am a victim of identity fraud involving XXXX XXXX XXXX. An unknown person used me to purchase auto insurance. I do not own a car nor do I have a drivers license. I received three bills from XXXX. I called and each time I was told by their representatives that they were sorry for the inconvenience and not to worry about it. On XX/XX/XXXX I received a notice from Credit Collection Services over same debt un-owed by me. 
Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I contacted pnc on XX/XX/2020 regarding a few disputes that i filed. one for XXXX at XXXX  XXXX  the other XXXX XXXX that was 2 months ago for over {$300.00}. now i was told that my disputes are closed because previous paperwork was mailed out from this bank regarding more information. Which i never received. I am about 2 mins from closing my account out with this bank if they dont give me back my XXXX money. Its no more information that this bank needs for a claim because i have sent them everything. The next is to go to the news and expose this fraudulent bank. Ive been with pnc for 2 years and this is how they treat their customers no way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TX

Complaint narrative:
I have been sending letters to XXXX to validate a debt XXXX XXXX XXXX is claiming that is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. So, I do not know how XXXX is able to 'verify ' anything with original documentation. I am nervous that they are using the XXXX system to verify the claim, and I did not consent to that at all.

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 2020-12-22 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: TX

Complaint narrative:
I have been sending letters to XXXX to validate a debt XXXX XXXX XXXX is claiming that is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. So, I do not know how XXXX is able to 'verify ' anything with original documentation. I am nervous that they are using the XXXX system to verify the claim, and I did not consent to that at all.

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 2020-12-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX requested that a PAID account be removed back in XXXX and XX/XX/2020 ; and the account still continues to sit on the account. When contacting Equifax to request assistance, they either hang up the phone or their representative lacks proper knowledge to complete the request. 

These disputes are legally to be resolved within 30 days, however it has been 60 days plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TRANSUNION AND XXXX IS STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT WHICH IS A DIRECT VIOLATION OF THE FCRA. THIS IS MY 4TH TIME DISPUTING THIS ISSUE AND IT IS VERY OVERWHELMING. THE ACCOUNT NUMBER IS REPORTING TWO DIFFERENT NUMBERS AND ALSO THE DATE OPENED IS ALSO REPORTING XXXX SEPARATE DATES. I HAVE SENT IN PROOF AND THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY AND IT CAN NOT BE UPDATED BECAUSE IT IS ALREADY A VIOLATION.

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 2020-12-22 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:
Please accept this message because its really important for me. Please remove these accounts because its a totally wrong information- its identity theft. I do not know these accounts and how they appear in my credit report. I do not recognize them and I have never signed any contracts and agreements. The accounts are definitely not mine. Please remove them from my credit report its very important for me. I do not know these items ended up in my report.

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 2020-12-22 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:
Please accept this message because its really important for me. Please remove these accounts because its a totally wrong information- its identity theft. I do not know these accounts and how they appear in my credit report. I do not recognize them and I have never signed any contracts and agreements. The accounts are definitely not mine. Please remove them from my credit report its very important for me. I do not know these items ended up in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: IL

Complaint narrative:
TXXXX AND EXPERIAN IS STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT WHICH IS A DIRECT VIOLATION OF THE FCRA. THIS IS MY 4TH TIME DISPUTING THIS ISSUE AND IT IS VERY OVERWHELMING. THE ACCOUNT NUMBER IS REPORTING TWO DIFFERENT NUMBERS AND ALSO THE DATE OPENED IS ALSO REPORTING TWO SEPARATE DATES. I HAVE SENT IN PROOF AND THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY AND IT CAN NOT BE UPDATED BECAUSE IT IS ALREADY A VIOLATION.

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 2020-12-22 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:
After reviewing my credit profile I noticed that I have several fraudulent accounts reporting on my credit profile.The following accounts below are fraudulent XXXX : XXXX XXXX Account number-XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX JXXXX - CARD SERVICE Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXXXXXXXXXXXXXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXXXXXXXXXXXXXXXXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Transunion : XXXX Account XXXX Date openedXX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XX/XX/XXXX XXXX Account number XXXX Date openedSep XXXX, XXXX XX/XX/XXXX XXXX Account number XXXX Date openedXX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX CARD Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date XXXX XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/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 2020-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to CAPITAL ONE BANK USA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CAPITAL ONE BANK USA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mathes Management Enterprises, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: CT

Complaint narrative:
I made a complaint with you about it.The complaint reference Is OMB # XXXX. 
The internet information that I depended on does not support their stand. 
I called XXXX XXXX, the lady who wrote a reply.But she Ins not calling back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/20 I file a dispute for fraudulent charges made using my checking account that included approximately 20 charges. I provided Wells Fargo with all of the information I had including a copy of the FTC identity theft report. When asked why I had not recognized and reported the charges earlier, I advised that I did not check my online banking statement and would have had no other way of knowing about the charges. This was able to be confirmed by looking at my activity and account usage. On XX/XX/20 I learned that the entire dispute was denied. When asked why the dispute was denied, I was told that the claim was reviewed in its entirety and a decision is made as a whole rather than on a transaction by transaction basis. Additionally, in making that decision Wells Fargo has factors that it looks to to make this determination. However, days earlier, when I requested to review the claims details with a representative to ensure that the claim was filed appropriately I was told that the transactions that were more than 60 days old would have to be denied because the time to dispute the transactions had expired. If that rationale was used to deny those charges, it could not also be used for transactions that were timely disputed. Furthermore, in speaking with some of the merchants I learned that some of the charges were made online without the physical card being present. It is illogical to investigate a transaction made with the physical card in the same manner in which online transactions are processed. Wells Fargo did not dispute the claim in accordance with federal regulations. This is a norm for Wells Fargo, and why I closed my accounts 6 years ago. I thought over time they must have learned to do better. But they have not. They are in direct violation of their own policy which provides for XXXX liability for fraud. At a minimum, Wells Fargo should have put the onus on the merchant to provide supporting documentation that the charges were valid. Instead Wells Fargo investigated the claims against me as if they were the merchant who allowed for the fraudulent transaction. Wells Fargo 's failure to fully investigate my dispute is a violation of federal regulations.

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 2020-12-22 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CHRYSLER CAPITAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: AL

Complaint narrative:
This is not my debt and I have sent three letters requesting verification of my signature and agreement or to have it remove off all of my credit reports. I never receive a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
My homeowners insurance was due at the end of XXXX. Prior to that date, I switched companies which should save $ XXXX/yr. TMS paid both the old insurance and the new insurance. I received a refund from the old insurance and sent TMS {$1300.00} refund. I asked them to redo the escrow analysis at that time. 

They applied the {$1300.00} to suspense/escrow on XX/XX/XXXX. As of today, they have not completed a new escrow analysis. They expected to have it completed by XX/XX/XXXX. 

They have increased my payment to {$1900.00}, from {$1600.00}, and now say that amount will be due for XXXX also. 

It should not take 3 months to do a new escrow analysis. We have taken a hit with covid, but somehow we're managing. This is not helping!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AL

Complaint narrative:
In XX/XX/2020, I started the re-fi process with AmeriSave Mortgage Co. 
It has been a nightmare of stress and lies. 
This company charges upfront fees. 
They also don't let u shop around for services as they source out to their affiliates. 
But I did not know this initially. 
I was told we would close in 8-10 weeks.

My original loan officer disappeared ( XXXX ) after about 1 month. I never heard from him and after calling a dozen times and NEVER being able to speak to a live person ( in various departments ) for weeks, I was finally assigned a new loan officer. 
I have submitted and resubmitted the SAME paperwork 4-5 times. At some point this loan officer went AWOL for about a week and I again could never get in touch with a living person on the phone not did anyone return my calls. He came back, claiming he had oral surgery. 
They lost my files about midway. They took SO long, losing papers and basically being incompetent, that they had to pull our credit AGAIN b/c it expired. 
They also too SO long that the appraisal expired and they r trying to charge me for a second. 
Since XXXX, I'm told that we will close any day now, but then another mistake pops up and the loan officer blames others and the loan processor blames the loan office, etc. 
I would have fired them long ago, except they charged me upfront fees. And keep promising that we will close any day now. 
I'm very frustrated and have LOST SLEEP over this! 
Why do I not have any recourse or help with this. 
They are holding me XXXX with " non-refundable fees. '' I gave up trying to call b/c I can not speak with anyone anyway. 
Please help. 
BTW- we started a re-fi on a 2nd property and we closed on that one, after MANY hassles and mistakes, in late XXXX. 
Overall, Amerisave is not only unprofessional and incompetent, but full of tricks, lies, and high fees.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CA

Complaint narrative:
I have a mortgage loan with XXXX XXXX, and I have always made my payments on time. I'm trying to refinance my mortgage to another company and now being told that my payments show as 30-90 days late. I realized that there were late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I called XXXX XXXX multiple times this year to correct payment errors. XXXX XXXX was not applying payments correctly to mortgage payment. Payments were being sent from my bank account and XXXX XXXX would hold these payments in a " unapplied funds '' accounts. As a result, XXXX XXXX was reporting my payments late and incurring late charges. In XX/XX/XXXX I contacted XXXX XXXX to correct these errors. They did eventually reversal all late charges and apply money correctly but never updated credit report to reflect as " on time ''. I tried contacting XXXX XXXX with no successful resolution. There was an error on their part. I was never 30+ days late.

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 2020-12-22 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: TX

Complaint narrative:
I have been sending letters to Equifax to validate a debt XXXX XXXX XXXX is claiming that is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. So, I do not know how Equifax is able to 'verify ' anything with original documentation. I am nervous that they are using the e-Oscar system to verify the claim, and I did not consent to that at all.

Company response to consumer: Closed with explanation