vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 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: NV

Complaint narrative:
I CAME HERE TO FILE A COMPLAINT AGAINST ALL 3 CREDIT BUREAUS ON BEHALF OF MYSELF BECAUSE THEY HAVE BEEN WILLFULLY NON COMPLIANT WITH THE FCRA LAWS IVE ENFORCED UPON THEM. I'VE KINDLY ASKED THEM FOR MONTHS NOW TO SEND ME FULL NECESSARY VERIFICATION FOR EACH ACCOUNT THEY HAVE SHOWING ON MY CREDIT REPORT. UNDER FCRA 809AB LAWS, THEY HAVE NOT FOLLOWED THOSE VERIFICATION GUIDELINES, UNDER 609A LAWS THEY HAVE NOT PROVIDED ANY ORIGINAL DOCUMENTATION WITH THESE CREDITORS THEY'VE LEFT ON MY REPORT, THESE ACCOUNTS ARENT EVEN MINE. THEY HAVE BEEN DAMAGING TO MY REPORT SO IVE ASKED THE BUREAUS TO DO THE APPROPRIATE DUE DILIGENCE WITH VERIFYING OR DELETING. AND THEY CHOSE NEITHER. SO UNDER THIS SURVEILLANCE, I EXPECT THEM TO NOW DO THE RIGHT THING IN DELETING THESE ACCOUNTS I HAVE LISTED ON THE ATTACHED DOCUMENTS.

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 2020-06-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: AK

Complaint narrative:
I was down to owing XXXX XXXX XXXX back in spring/summer of XXXX when I had a death in the family. In XXXX of XXXX, XXXX XXXX contacted me and said if I pain 80 % of the remaining balance, {$280.00}, they would mark the loan as paid in full and close the account, so I did and they sent me a receipt. Now suddenly, 6 months later in XX/XX/XXXX, a collection agency Ability Recovery Service starts reporting to all 3 credit bureaus that I owe THEM the {$360.00}. I have tried to call the number that they list, but it comes up either busy like it's off the hook, or no one answers. 

THIS IS FRAUDULENT and unfair and an attempt to collect on something that has already been paid. I WILL NOT pay twice and the fact these people NEVER WROTE to me, called me or contacted me says it all. 

I want it taken off my credit report. And I want credit reporting businesses like XXXX XXXX, XXXX   and XXXX  to be held responsible. Apparently they will just take ANYONE 's word WITHOUT ever ACTUALLY verifying information. I could send them a letter saying my ex-husband owes me {$36000.00} and they would put THAT on his credit report. SHAMEFUL!!!!! Goes against EVERYTHING the FCA is suppose to protect consumers from.

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 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have a nonprofit  account with PNC Bank, for the past week I have been trying to link the bank account with our XXXX account. XXXX XXXX  XXXX is the financial agency that distributes fundraised money to non-profits. Every-time I attempt to link the accounts I get several different error messages from PNC. The most frequent is " PNC has made a change that prevents you from being able to link your accounts ''. This is extremely frustraiting due to the fact that linking the accounts would allow for direct deposit rather than having to wait weeks/months for funds to be sent via mail. Getting the funds is a time-sensitive matter for my XXXX  as we are doing Covid-19 relief efforts and need access to our funds as soon as possible. I have called PNC bank and they were not helpful and also said it may be a problem on XXXX end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My car was repo with my XXXX XXXX social security card inside. Upon picking up my belongings her card nor mine was returned. I need to put a freeze on her social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: AL

Complaint narrative:
There several items reporting inaccurately on my credit file : Incorrect Personal Information : I never lived at XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Incorrect Status : I was never late on XXXX Open Date : XX/XX/XXXX. Please remove late. ( XXXX  ) I was never late on XXXX XXXX XXXX ; Open Date : XX/XX/XXXX. Please remove late. ( XXXX  ) Fraudulent Account or Identity Theft Items : XXXX XXXX - Open Date : XX/XX/XXXX Bal : {$1900.00} ( TU )

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 2020-06-24 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: DE

Complaint narrative:
There is an account with XXXX XXXX XXXX showing on my credit report in the amount of {$1300.00}. I do not have a contract with XXXX XXXX XXXX. I am not liable for this collection or responsible for this debt. I was never sent any proof validating this debt even though I have requested it. Furthermore, it doesnt appear that XXXX XXXX XXXX is licensed to collect debts in the state of Delaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NY

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX, MD XXXX Extremely inaccurate information was reported to my Credit, and different information was reported on each Bureau Inaccurate information was reported to my credit. Much in the information was not even consistent with anything considered normal. My XXXX  report showed a balance if {$680000.00} with a monthly payment of {$18.00}. My XXXX  showed a past due balance of {$700.00}, no account number, and a monthly payment of {$18.00}. It is a known violation with the FCRA for any creditors to give reporting agencies inaccurate financial information about you. The above reporting represents malicious reporting practices or at the very least, extreme negligence. I was advised by XXXX  representative to contact an FCRA Attorney regarding the business practices for Mariner. 

I did also dispute the inaccurate account with XXXX  and XXXX  as well and reported the violation to the Attorney General In Georgia ( Ref number XXXX ) While I was on the phone with the Attorney General I was advised to file an additional complaint with the Consumer Financial Protection Bureau. I have notice that there are several complaints placed against this organization and would like to encourage consumers to use some of the tools, and information in this post to hold companies like this accountable for the fraudulent/ inaccurate information in which have lasting damages.

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 2020-06-24 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: NV

Complaint narrative:
These are not my accounts, nor is the addresses or names listed not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: NV

Complaint narrative:
These are not my accounts, nor is the addresses or names listed not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: NV

Complaint narrative:
These are not my accounts, nor is the addresses or names listed not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: GA

Complaint narrative:
Reports from the three credit report agencies showing a U.S DEPARTMENT OF EDUCATION in separate accounts of {$4200.00} and {$10000.00} debts respectively credited to my reports under another social security number which is not mine, and names similar but not mine. 

I have contact two of the agencies which are : Experian and XXXX except XXXX which I did not succeed in reaching out to. The date of the online visit and phone calls was XX/XX/20. While XXXX notified me of the same complaint and promised to contact the appropriate reporting company/companies under Dispute # XXXX. 
On the other hand, Experian sent me my Credit Report # XXXX dated XX/XX/20 and the informations highlighted were included. 
Attached herewith is the document from one of the bureau agencies to support my claim.

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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My car was repo with my XXXX XXXX social security card inside. Upon picking up my belongings her card nor mine was returned. I need to put a freeze on her social security card.

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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My car was repo with my XXXX XXXX social security card inside. Upon picking up my belongings her card nor mine was returned. I need to put a freeze on her social security card.

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 2020-06-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
The company 1st Associstes dba Vervent claims that I have a student loan with them. Ive never received a degree or attended courses during that time. Ive tried reaching out to the company who was never responsive. When I did I was told Id receive a fraud packet through email and mail. Ive never received it and called to make the company aware. I was told by a clerk the company sent it off through email and refused to help me further. Ive tried researching the company online to find out that they have done bad business in the past by distributing loans to several individuals that were not cleared on the terms. Any outstanding loans were to be removed. The company regardless shouldve removed the incorrect data years ago and that never happened. I have since been tricked into verifying my email address and personal information for the company to send me info. Instead the company discriminated against me to false claims. The company alluded my personal information and lied saying they would send me over fraud packets. I want the company shut down after my lawsuit is over. Nothing was resolved and I feel very much harassed by this horrible company 1st Associates Dba Vervent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: GA

Complaint narrative:
There are inaccurate information reporting on my credit file : Incorrect Personal Information : Name : XXXX XXXX XXXX ( TU ) Name : XXXX XXXX XXXX ( TU ) Name : XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX  XXXX XXXX ( XXXX  & XXXX  ) ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Fraud or Identity Theft Items : XXXX XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$10000.00} ( TU ) XXXX XXXX XXXX - XXXX - Date Open : XX/XX/XXXX ; Bal : {$290.00} ( TU )

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 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I closed my checking and savings account with Wells Fargo on XX/XX/2020. I was told I would receive cashier 's checks within 3-5 business days. I only received the full amount of my savings account. However, I have yet to receive the cashier 's check of my checking account. It has been 20 days. I called Wells Fargo on two separate occasions and was told to keep waiting. It is almost the end of the month and I am in need of the money to pay rent and bills. I will try to call again to get this resolved.

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 2020-06-24 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:
THE ACCOUNTS ON MY CREDIT DOES NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OBTAIN FRAUDULENT ACCOUNTS I HAVE DISPUTED THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion 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 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 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I did a closing with TD Bank for a mortgage refinance on XX/XX/2020. They sent someone representing a company called XXXX XXXX XXXX to handle the closing and getting the documents signed. This person told me they would email me copies and that the closing would be finalized on XX/XX/2020 once they sent the documents over to TD Bank. I told him to ensure that the copies were sent to me via a secure medium, not email. Today, XX/XX/2020, they sent me an email with the documents I had signed as an attachment to the email which is not secure. It included my social security number, checking account number, all my financial information, credit information, address, basically all of my private sensitive data/information. I complained to both companies about this, and the title company replied saying that email is totally secure ( emails attached to this complaint ), and TD Bank never even bothered to reply or call me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Dear Wells Fargo kindly find attached the case email sent to the FBI concerning your case for evidence reference .XXXX  XXXX XXXX XXXX -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX XXXX Sent : Sat XXXX XX/XX/2020 XXXX am Subject : Fwd : CFPB Director XXXX XXXX TOP Urgent Dear FBI Washington Field Office, May I kindly officially submit my complaint to the FBI and please excuse me for not using the online form as this complaint includes confidential attached documents. I am presenting my complaint to The FBI for review and for possible investigation and enforcement action as there is a serious concern that Wells Fargo bank is attempting its best not to get this case investigated. Kindly ask you please to review my complaint and i thank you for your concern and for the time you took to read this case. 

With Best Regards and thank you for your understanding XXXX XXXX XXXX. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank has harassed and discriminated against me as as a mortgagee. I have {$170000.00} 30 year 5.125 mortgage loan with TD Bank. The loan amount was $ XXXX/mo. The mortgage balance as of XX/XX/XXXX is {$150000.00}. On XX/XX/XXXX TD Bank cancelled the escrow account. The escrow account balance was overpaid in the amount of {$550.00} by the mortgagee as of XX/XX/XXXX and is still overpaid by {$550.00}. All Real estate taxes and Home owners insurance have been paid in full by mortgagee XXXX XXXX since XX/XX/XXXX. 

Each month the mortgagee paid the mortgage timely and correctly. The mortgage amount is XXXX/mo. The {$1000.00} has been paid and received by TD Bank. {$51000.00} has been paid to TD Bank since XX/XX/XXXX. 

TD Bank list the escrow account currently as overpaid by {$550.00}. ( document Attached ) TD Bank incorrectly made the escrow overpayment by the mortgagee an amount owed. TD bank wrongfully list the monthly mortgage amount as {$1100.00}. Mr. XXXX has obtained a letter from TD Bank listing the overpayment by Mr. XXXX of {$550.00} ( document attached ). All payments have been listed as late due to the error by TD Bank! XXXX XXXX TD banks attorney, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX all have been contacted and written concerning this matter ( TD Banks Officer 's and staff ). The same information and more have been provided. 

TD Bank list a past due amount of {$53000.00} as of XX/XX/XXXX. Late fee of {$54.00} X 44= XXXX. 

XXXX XXXX has filed two complaints with the credit agencies. TD bank changed the amount from {$1100.00} reported to the agencies to {$1000.00} for some months but did not correct the entire situation. TD bank started with the incorrect amount of {$2100.00} on the credit report for XX/XX/XXXX. Did not list any amounts received! Then TD Bank applied a default amount with the credit agencies in an attempt to get back to the same number they started with. 

TD bank has discriminated against me. The escrow account was eliminated and was overpaid at the date of the termination. TD bank owes me {$550.00} for the overpayment of the escrow account. TD Bank has charged unwarranted late fees and other fees. No mortgage payments were late and or missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It is unacceptable that since XXXX I have been unable to log into my online account with Equifax. I am trying to access my free annual report. Also, I need to dispute a credit account that was impacted by COVID-19 which has affected my credit score. I have sent their support department numerous emails to no avail. I have attached proof of these emails to this complaint. Not only was I affected by their data breach last year, I can not access my credit file. Thank you for your assistance.

Company response to consumer: Closed with explanation