vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-07 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: TX

Complaint narrative:
This is not a valid debt. yet it is showing on my credit report from XXXX, Equifax, and XXXX. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: TX

Complaint narrative:
This is not a valid debt. yet it is showing on my credit report from XXXX, XXXX, and Experian. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.

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 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
Lexington law firm credit repair has been lying to me the last few months, They wrote me a email stating 14 Items was removed off my credit report. when I went to check it out. Not one account was removed. I contact Lexington Law firm 14 times alerting them of the issue. that they been giving false information about accounts that was removed from my credit report. I had to purchase 6 different credit reports just to prove to them it was never removed. Several customer services reps was unable to help me and one stated for me just to deal with it! Now for a 2nd time they send a email saying my XXXX  report has 8 removals and that's not True Nothing was ever removed. it looks like they cant help me and started to lie and put removed when nothing was removed. NOT one thing was removed and they lied to me Multiple times I'm extremely upset and wasted money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I filed for bankruptcy in XXXX  and this card was included in the bankruptcy but the same card is showing on my report as open and in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
I am a victim of XXXX XXXX I been calling ability recovery to remove all fraudulent medical accounts off my credit report I also sent copies of my police report & I also spoke with customer service agent his name was XXXX he told me that the fraudulent medical account will be remove! No progress yet

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 2020-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I believe that the Consumer Protection financial Bureau has not service the purpose that it was created for. Under this present President I don't see where they have help to resolve any issues. I have had issue with Well Fargo Home Mortgage, and Well Fargo Bank for the last ten years. This banking institution has not been great with the Afro-American community. In the last few weeks we have suffer discriminate in the Police Department, and Had a XXXX man executed in broad day-light by the people we pay taxes too, and on the door of their police car their is a sign that says " Server and Protect '' what a joke!!!! that the same feeling I have about Well Fargo Bank. This Institution is suppose to assist their customers in a professional matter, but when I look at the overall services that I have receive over the XXXX years that I have been with Wells Fargo Bank. I would definitely inform any person of " XXXX '' not to do business with Wells Fargo Home Mortgage or Well Fargo Bank, N.A. I have taken a look at my mortgage payment 's form and notice that I am paying more interest then principal. How can I be paying more interest then principal, after being with them for more then fourteen years. On top of that the interest rate at this time is " XXXX '' with the federal reserve, and I have an adjustable loan at this time. I don't trust Wells Fargo Bank, and I can not not wait to make a move to another loan institution, so, that I can get away from this illegal institution ( Wells Fargo Bank ) I am XXXX years in this world, and if any " XXXX '' person hears this message please don't do business with this particular banking Institution. They are dishonest, and They do not mind discriminating against the " XXXX '' community.

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 2020-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX I received a deposit from XXXX cashapp lock my account in 12 hours and it has been frozen since contacted them multiple times on XXXX XXXX and XXXX they replied saying I violated terms of service for deposit they have lock my account since XX/XX/XXXX and refused to reopen it no matter how much proof I send in as they requested

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
Hi, I am writing to ask for your help with regards to my mortgage lender > The Money Source. 
In early XXXX, I contacted this company thru their website. I informed them that I am having a hard time making my mortgage payment due to the pandemic. I notified them that I lost about 30 % of my income. So, I asked them if they have a program that could help me lower my monthly payments. About a few days later, I had a call from one of their representatives and asked me if I am interested in discussing this matter with a person from XXXX. I agreed. That person from XXXX is very helpful and friendly. He tried to help us get a loan ( still under process ) to lower our payments. 
While this refinancing is in progress, I was under the impression that my mortgage is under forbearance ( something new to me ). Since money was tight, I was not able to pay my mortgage on time in the XXXX of XXXX. I had some money that arrived from the tax refund ( of which I was saving for the closing cost for the refinancing. ) Consequently, I was not able to pay my XXXX mortgage and The Money Source reported this as delinquent to the credit bureaus. My son and I co-signed for the purchase of our home. Therefore, our credit scores were badly affected by the report. 
Upon realizing that our credit reports dropped substantially, I called TMS and asked what happened, since I previously told them that I asked for their help with my mortgage payments due to my hardship as a result of the pandemic. TMS representative told me that my case didn't go under forbearance, unfortunately, so they reported my one month delinquent mortgage payment to the credit bureaus. 
My main concern is that my son who is XXXX years old, just started a new job with an Investment Banking company, is on the brink of losing his job because of a negative credit score ( thru no fault of his own ). 
To be able to get approved for our current refinancing will be a tremendous help to our finances. And I believe that to have our credit back to positive ( where it was before the delinquent payment report ) would help us get an approval for the refinancing we're doing now. Note : I immediately paid the one month payment due last XXXX on XX/XX/XXXX. 

Please help us resolve this problem. Thank you for your anticipated assistance. 

Sincerely, XXXX XXXX email> XXXX Cell phone # XXXX XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: CA

Complaint narrative:
My full legal name only consist of one first name and one last name. I do not have now, nor have I ever had a middle name or initial. 

1. Transunion reports that I have the middle initial of " M ''. This is incorrect and is not my name. 

1. XXXX  reports that I have the middle initial of " S ''. This is incorrect and is not my name. 

1. XXXX  also reports that I have a former first name as " XXXX ''. This is incorrect and is not my name.

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 2020-06-07 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: CA

Complaint narrative:
I notice an account from XXXX XXXX XXXX  that wasnt opened by me, affecting my credit score as the status of the account is now charged off. I want it off of my credit report because I didnt open the account myself and it is affecting my ability to apply for an FHA home loan during these tragic times.

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 2020-06-07 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 is incorrect
Company: Service Finance Holdings, LLC
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from SERVICE FINANCE CO LLC located at XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: Westlake Services, LLC
State: OH

Complaint narrative:
This company hasn't reported any payments. Causing my debt being higher then it actual is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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 is incorrect
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from EXETER FINANCE CORXXXX located at XXXX XXXX XXXX XXXX, TX XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX  and XXXX  both incorrectly reported that my SYNC account had an increase on my balance which it did not and has actually had TWO payments in the month of XXXX and XXXX. This incorrect reporting caused my credit score to go down!

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 2020-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had contacted XXXX XXXX and his wife XXXX XXXX https : XXXX regarding their advertised Paper Writing Assistance services, which aims to help writers improve their writing skills. The services offered are advertised on their business website at https XXXX XXXX as well as their XXXX page https : XXXX numerous emails were exchange as well as text messages regarding the service and how it would be an excellent fit for me. To begin such services, XXXX requested that {$100.00} either be sent via XXXX to their account at XXXX or if local within the XXXX XXXX area, can be paid in person. Since I was not local, I opted for XXXX and, with my Bank of America account, transferred {$100.00} to XXXX. XXXX asked me if I felt I thought would benefit from further assistance with constructing and revising other papers moving forward, and if so, she could help me with those subsequent assignments at a better rate. Given XXXX and XXXX 's services being in high demand, they requested that I send her an additional {$250.00} upfront again using XXXX to ensure priority moving forward. To prevent any delay, I immediately sent the extra {$250.00} requested using XXXX via Bank of America that same night, equalling a total of {$350.00} being sent altogether. Before I sent the payment, I had communicated the importance of when I wanted the services completed. Providing them with a due date allowed me sufficient time to construct my paper using their guideline/template, ensuring my writing was in line with what was being asked in the assignment. Communications remained excellent throughout the course, leading to the date when the first template/outline was due. On the day the service was to be delivered, I contacted XXXX numerous times via text messages to the number we had communicated with prior, which was XXXX. All text messages remained unanswered ; emails sent to their business account, which XXXX and XXXX have access too XXXX, also went unanswered. The unfortunate part of all this is that their company is named XXXX XXXX XXXX ( English as a Second Language ), which can indicate that their scam targets individuals who are already struggling with a language barrier. The fact that they are targeting individuals who are already at a disadvantage due to the language barrier ; ensure that they can get away with what seems like a well thought out organized scam.

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 2020-06-07 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My XXXX XXXX journey was in arrears by I think it was around {$1700.00}. A tow truck did come and pick up the car. However, we paid the full amount and received the car back. The car was never repossessed. Ally financial initiated the process, but never went through because we paid the arrears. Now, the car is being reported on my credit report every month, and it showing that I have made absolutely no payments for the year of XXXX. I have tried to fix this with the company to no avail. We still have the car and have been making on time payments since we have received the car back. I have argued with everyone and no one well help me. The balance reported on my credit report is wrong, we have the car and have attached a picture of the balance owed, and that we have the car. I also attached a picture of paying the {$1700.00} to redeem the vehichle.

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 2020-06-07 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 is incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from SYNCBSAM 'S  XXXX  located at XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

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 2020-06-07 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: Westlake Services, LLC
State: OH

Complaint narrative:
I have requested proper legal documentation from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
I checked my credit account, because I received an alert from XXXX XXXX that I had a debit collection added to my credit. I checked my credit and notice a unfamiliar debt from this company. I filed for bankruptcy in XXXX and it last until I converted it to a chapter XXXX and it was discharged XX/XX/XXXX of all debtors. All my new credit is paid and on time, so I did not take out any credit from this company. Please find out why this company has fraudulent placed this collection on my credit. 
Company name : XXXX XXXX it was placed on my credit XX/XX/XXXX and updated XX/XX/XXXX. 
Midwest Recovery System # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: LA

Complaint narrative:
Transunion and Equifax both incorrectly reported that my SYNC account had an increase on my balance which it did not and has actually had TWO payments in the month of XXXX and XXXX. This incorrect reporting caused my credit score to go down!

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 2020-06-07 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: LA

Complaint narrative:
XXXX  and Equifax both incorrectly reported that my SYNC account had an increase on my balance which it did not and has actually had TWO payments in the month of XXXX and XXXX. This incorrect reporting caused my credit score to go down!

Company response to consumer: Closed with explanation