vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-27 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: VA

Complaint narrative:
I initially submitted a dispute with Experian regarding the following accounts reporting on my credit report : XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX This dispute, regarding this unverified and fraudulent accounts was received by Experian, via certified mail, on or about XX/XX/2019. Despite my disputes regarding these fraudulent accounts and my requests for proof of verification of these accounts, Experian is the only bureau that still negligently keeps these unverified accounts on my credit report. The other two bureaus have deleted these accounts, as they are unverified and fraudulent. It has been 63 days and Experian refuses to resolve this issue and I have even been sent a letter by Experian, stating they will not investigate further, when they never truly investigated these accounts in the first place. FCRA states that any account that can not be verified and that is fraudulent must be deleted. Experians willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These accounts need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.

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 2019-10-27 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: WI

Complaint narrative:
I made a fraud/identity theft report with the FTC XX/XX/XXXX and also sent the credit bureaus a copy of this report as well as a dispute letter with the disputed inaccurate accounts attached with my social and identification card on XX/XX/XXXX. I was informed by the FTC to put a freeze on accounts as I did so as well, the bureaus is still reporting these felonious accts.. 
1. XXXX XXXX acct # XXXX.. 
2. XXXX/XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 
4. XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: WI

Complaint narrative:
I made a fraud/identity theft report with the FTC XX/XX/2019 and also sent the credit bureaus a copy of this report as well as a dispute letter with the disputed inaccurate accounts attached with my social and identification card on XX/XX/19. I was informed by the FTC to put a freeze on accounts as I did so as well, the bureaus is still reporting these felonious accts.. 
1. XXXX XXXX acct # XXXX 
2. XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 
4. XXXX acct # 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 non-monetary relief
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen serviced my loan for years made many mistakes modified the loan in 2018 ; payments were not affordable had to cancel the loan mod Ocwen kept {$6000.00} of our trial payments then in 2018 Ocwen never furnished us with a 1099 at all Ocwen failed to meet irs deadlines

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My loan, currently with Wells Fargo, was originated in XX/XX/XXXX, with my late husband. After his death, I made a large principal paydown, and continued to make biweekly payments as timely as possible despite the decline in income. I never let the payments fall more that 30 days delinquent sine XX/XX/XXXX. 
I had to make the decision to move due to my son 's medical condition, in order to move closer to family and create a support system, as of XX/XX/XXXX. The work I had completed to make repairs to the home required me to cash out my XXXX, yet I still kept current. 
I left the property to move to Georgia, but still kept current with my payments up to that point. The utilities are still active, a security system is still engaged, and the local police have been contacted to provide a " passing attention ''. 
Despite this, my realtor showed up at the property on XX/XX/XXXX to find a vacancy and pending property securing notice on my door, as if I were in default. This was an *MASSIVE ERROR* since my last payment was due on XX/XX/XXXX. 
This clarified why I received several cancellation notices for property viewing in the one week that passed since moving. Any prospective buyers would be either scared off or willing to wait out a foreclosure in order to possibly purchase the home at a lower cost. 
I worked for XXXX XXXX for 13 years. I am well aware of how damaging a hint of Foreclose action can be for a home sale. When I called Wells Fargo to question why this notice was posted, none of the representatives could explain why. 
I would like an investigation into this matter. This error may have cost me the prospect for multiple interested buyers. Instead of having a number of prospects, I am whittled down to very few, and it has prevented a speedy resolution. My son 's illness has required that I resign from my 13 year long position in order to tend to his medical and educational needs. My income is now limited, so I will not be able to afford the mortgage.

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 2019-10-27 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
My account with cavalry was settled in XXXX add I reached out to them a few times and they told me about it takes 30 days to have removed off about credit report it has been over 60 days and they are still reporting to XXXX XXXX that it's an open account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: Girvin & Ferlazzo, P.C.
State: NY

Complaint narrative:
My account with XXXX was settled in XX/XX/XXXX add I reached out to them a few times and they told me about it takes 30 days to have removed off about credit report it has been over 60 days and they are still reporting to XXXX XXXX that it's an open account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are numerous inquires on my credit report i did not authorize. 

XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX & XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX   Date : XX/XX/XXXX XXXX  Date:XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date:XX/XX/XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX   XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are numerous inquires on my credit report i did not authorize. 

XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date :XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX   Date:XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date:XX/XX/XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 2019-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are numerous inquires on my credit report i did not authorize. 

XXXX XXXX Date : XX/XX/XXXX XXXX Informat Date XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX   XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2019-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE AUTO FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: MI

Complaint narrative:
On my credit reports ( XXXX ) XXXX XXXX XXXX., reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my credit card in full in XXXX and was told it would be closed. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid. This card should have just been listed as paid and closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: MI

Complaint narrative:
On my credit reports ( XXXX ) XXXX XXXX XXXX., reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my credit card in full in XXXX and was told it would be closed. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid. This card should have just been listed as paid and closed!

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 2019-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This kind of account is noted as appearing in a bankruptcy. The bankruptcy had been terminated. Make sure to pull off this Bankruptcy from my folder to guarantee that I really don't need to work on my personal rights pursuant to 15 USC Section 1681n or 1681o, which usually needs your compliance along with 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 2019-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I currently hold a Walmart credit card that that was issued to me by XXXX XXXX in XXXX. My payments have always be due the 10th of the month per XXXX XXXX   correspondence. I have never been late nor missed a payment on this account per XXXX XXXX and Capital One Bank records. I was notified in mid XXXX of XXXX the holder of my account XXXX XXXX was being transferred to Capital One Bank betweenXX/XX/XXXX. On XX/XX/XXXX I made my payment and received an email confirmation confirming my payment on XX/XX/XXXX @ XXXX pst, which would post to my XX/XX/XXXX. On XX/XX/XXXX I received an email from Capital One Bank stating " You recently missed your credit card payment that was due on Tuesday, XX/XX/XXXX. Make your minimum payment to get your account caught up. If your account isnt in good standing, your card transactions may be declined. '' I call Capital One immediately after receiving the email to inquire about my payment I made on XX/XX/XXXX. I was told by a Capital One Bank customer service supervisor XXXX that my account was in fact in default for non payment and I need to make another payment to bring my balance current. I tried to explain that I had made my payment on XX/XX/XXXX and I had an email confirmation stating I had in fact made my payment. XXXX explained that I needed to be patient due to the fact Capital One Bank was in transition from the former holder of my account XXXX XXXX. I took her advice and waited patiently until I received another email from Capital One Bank on XX/XX/XXXX stating " We understand missing a payment happens, but its easy to catch up right now. Pay your bill through our free online bankingsimply sign in to your account and make a payment. '' I immediately called Capital One Bank again and spoke with a fraud supervisor XXXX. I explained the situation again and her response was positive but she stated that Capital One Bank had not yet received all payments from XXXX XXXX. I then received the most unsettling news, my XXXX credit cards had been suspended until I made a payment and it was being reported to the credit bureaus. As of XX/XX/XXXX this issue has not been resolved and its damaging my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am a veteran who received a marketing call from my current mortgage company, Freedom Mortgage, who encouraged me to apply for a VA IRRRL. Since the inception of this process communication with the company has been predominately through a Customer Advocate who knows little to nothing about the loan process. The replies to my emails ( when the Customer Advocate decides to reply ) are short and scripted with no explanation as to why it has been almost three months and there has been no action on my IRRRL. I keep getting the run around, and told that the company is working very hard. I received all of the initial promises from the first loan officer about the benefits of the IRRRL and since then nothing has happened. I started the process on XX/XX/2019 and they said we would be able to close in about a month, it is now XX/XX/2019 and I still have no definitive reason why the process has stopped. I contact the Customer Advocate about once every two weeks. The reply is they are working hard If I try to phone the number goes to a recorded line that says to leave a detailed message. This company services my current mortgage, and I am disgusted by the poor customer service and being treated unfairly. I feel as though I have been scammed. The manner in which this company conducts their business is unprofessional, and as a veteran I feel as though I have been treated poorly. Remember, They called me and promised a lot of service and haven't followed through on anything, and now I am concerned about how this company does business.

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