vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 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: FL

Complaint narrative:
XXXX XXXX has recently settled a 33 state class action Lawsuit for predatory lending practices. In the settlement, XXXX has agreed to relieve all defaulted loans and help repair credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. Ive attached a copy of certified mail receipt as confirmation letter was sent and I requested deletion of this account. But unfortunately Experian has continue to report this account. Verifying it when I didnt request validation further causing me to wonder if an actual investigation took place? If not thats a violation within itself Despite the fact that other agency deleted the account please assist me with this matter

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 2020-11-23 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I have submitted a multiple police reports, and have fraud alert placed on my XXXX credit file file for 24+months about potential fraud and identity theft for this account. I have disputed the account and provided materials requested since XX/XX/2020 and every month following until present day. The creditor has failed to change the information on my credit file despite being given proof of fraud.

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 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I received a notification from Transunion for an inquiry made by XXXX XXXX ( see attached snapshot ) but without any contact details. I have never heard of XXXX XXXX nor did I give anyone permission to make said inquiry.

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 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have several inquiries from capital one auto finance that I did not authorize. I have contacted capital one through phone calls letters and faxes yet they have not responded or removed the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: PA

Complaint narrative:
XX/XX/2020 I requested verification of Bankruptcy from the Three Credit Reporting Agencies ( Equifax, XXXX and XXXX ). I did not receive an answer from any of the Three Agencies. 

XX/XX/2020, I requested and received confirmation from US Bankruptcy Court XXXX District of New York that they do not verify or report Bankruptcy filings to Credit Reporting Agencies. 

XX/XX/2020, I contacted XXXX XXXX for a Full File Disclosure. 
XX/XX/2020 XXXX XXXX provided verification regarding re investigation results and removed 3 bankruptcy cases from my XXXX XXXX Report. 

XX/XX/XXXX, sent Bankruptcy Court Letter, XXXX XXXX XXXX to XXXX, Equifax and XXXX XXXX to remove the Bankruptcies from my Credit Report. 

XX/XX/2020 received a letter from Equifax stating that they verified Bankruptcies with the US Bankruptcy Court XXXX District of NY and with XXXX XXXX and did not remove the incorrect and inaccurate Public Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
since 2017 I've been reporting to wellsfargo and the credit bureaus about a credit card that was open fraudulently under my name and wellsfargo and XXXX refuses to remove it and I've reported it to the police already

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 2020-11-23 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:
There is an address that keeps reappearing on my credit report. There also keeps appearing medical bills that have gone into collection. It belong to someone else with the same last name as me with a similar birthday and likely similar social security. I keep disputing it with the credit reports, most recently equifax. They keep taking it off only to put it back on again. I have contacted the collection agency, i have contacted the original billing people. They have told me that it is not them reporting my information. They pass on the correct information because they don't even have me in their system and have given me the information they do have, which is for someone else. However equifax keeps attaching this persons info to my report. They will not responsibility for their continual mistake. I don't know what else to do except to have to check my report continually and keep disputing. Do I have another option. I have not checked the other credit reports to see if they also have inaccurate info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Clark County Collection Service
State: SD

Complaint narrative:
Been calling them daily for weeks now, all I get is a answering machine, never get a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
Multiple calls/messages left on house phone number not cell phone. 

Finally returned phone call on XX/XX/XXXX out of fear for damage to my credit and identity/ reputation. 
Called a second time and debt amount on supposed account was different than before. 

Talked to XXXX ( foreign accent ) Asked to speak to manager or supervisor kept talking instead. 
Claimed I have debt over {$2000.00} went into collections XX/XX/XXXX Account number : XXXX and XXXX, from a supposed rental property ( which I have NEVER ever lived or rented from anywhere. 
Collection case since : XXXX, XXXX, XX/XX/XXXX through present. 
Continues to call home phone and leave messages about debt collection. 
XXXX has not shown or notified me of any damaged credit so far. 
Hunter Warfield or XXXX, or XXXX XXXX XXXX XXXX AL XXXX Copy affidavit Email/fax : XXXX  XXXX? 
I did contact the police department. 
I was told by policeman Named XXXX, that I dont have to file a report and that he would take care of it using the information above that I handed to him. 
He called and contacted the agency. 
He said there are scams going on that get the FBI involved and told me never give them my ssn or any other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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:
XXXX XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30-60 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is on auto-pay and therefore there has never been a missed payment. I have attached a copy my account payment history for reference. This false reporting of lates is seriously harming my credit score and these line items need to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Consumer Portfolio Services, Inc.
State: MA

Complaint narrative:
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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:
Experian refuses to remove the XXXX fraud account thats being reported on my file

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 2020-11-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX  refuses to remove the wellsfargo fraud account thats being reported on my file

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 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY
State: UT

Complaint narrative:
From the first month our mortgage was bought by Town Mortgage we have had multiple issues. Those include : taking off of auto pay without knowledge, if you go to make a payment it takes days, when you call the phone hangs up, or you will be on hold for hours. I have sat on the phone with my wife to witness that we are the phone for 2 hours plus attempting to pay. They will transfer to the department and the call drops. I have also received no correspondence via mail or email. They will call at times and leave no voicemail. This is an impossible company to even talk too. My biggest issue is 2 major fraud issues. I have written documentation of both of them. The first was in XXXX of 2018. I had noticed the payment was sent back to me. When I called them Town Mortgage stated that I requested the return. When I called and stated that I did no such thing. Town Mortgage then stated that " It was actually your Credit Union sent us a letter to return payment. '' I contacted my credit union and they also stated no such thing. I asked them to do an investigation into the account which they sent an official and notarized form that no such thing had occurred. Town Mortgage stated they had the form from my bank, and sent it to me. I sent that to the bank and they stated that is not a form they have ever used, and the form was clearly made on XXXX with no letter head, no explanation and is clearly false and my bank verified it was false. This is a common practice with town mortgage. At the time I had the bank check, Town Mortgage had stated this has happened 4 times. My bank verified with their investigations department there was not one time. 

The other form of fraud was that also in 2018 they refused to pay the escrow amount that is supposed to cover taxes and home insurance. It was built into the loan and to this day they refuse to tell me what happened to this money. I had to pay additional taxes and home insurance. I had my insurance broker attempt to contact them about this money and escrow policy. They also refused to talk to him or explain where the money is. I also have a certified letter from the broker stating in 30 years he has never seen this, or dealt with a company that was very easily hiding money or altering a federal loan, and refused to communicate with. So they take escrow money refuse to talk about it, and they send payments back and falsify your own bank documents to try to get you to pay late fees. This type of practice needs to be investigated on a large scale. i was also contacted by an employee via email that stated everything that has happened is true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient constantly calls me while I am at work, they just XXXX my phone with back to back calls. Even when I have no payments owed, or after asking them not to on AT LEAST 4 occasions. They are literally putting me at a disadvantage to earn money, and keep pestering me to make payments, even when nothing is owed at the time. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Self Financial Inc.
State: FL

Complaint narrative:
XXXX  is reporting a self lender ( XXXX XXXX ) account late on my file which has never been paid late I've sent in the payment history and its still not being corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: TX

Complaint narrative:
XXXX XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion that I am ( XXXX ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is on auto-pay and therefore there has never been a missed payment. I have attached a copy my account payment history for reference. This false reporting of lates is seriously harming my credit score and these line items need to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-11-23 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:
XXXX  XXXX XXXX  should not be reporting to XXXX  ; Experian and XXXX  that I am ( XXXX ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is on auto-pay and therefore there has never been a missed payment. I have attached a copy my account payment history for reference. This false reporting of lates is seriously harming my credit score and these line items need to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
On XX/XX/XXXX, I was sent a letter from XXXX XXXX XXXX. 
I have never done business with this bank. 
They say that they paid my property tax in error. 
They want me to refund them {$1800.00}. 

I pay my property taxes through escrow with my mortgage company PHH Mortgage. 

I have contacted PHH but they just send an Acknowledgment of Correspondence letter and say they will review the correspondence and usual response time is 30 days. They do not provide a direct contact. 

This appears to be fraud but if it isn't why should they be asking me for the $ and not the mortgage company they do business with? I pay escrow, that's where my tax $ is. I do not have this money sitting around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I received a notice of debt from Convergant on XXXX XX/XX/2020, The lettter was Dated XX/XX/2020 on XX/XX/2020 I sent a certified letter via USPS notifying Convergent that I want the debt validated not verified. As of this date, I have not received a letter from Convergant acknowledging receipt of that letter. On XX/XX/2020, I called Convergant and asked if they received that letter, they said that they did and sent out a verification of the debt. NOT a Valiudation. Was told by the rep, that since they do not report to the Credit Bureaus, It was my understanding that they did not have to follow FCRA regulations.The collection agency stated they are representing XXXX and that they were not a collection agency If they can not remove the collection from their database.

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