vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 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: CO

Complaint narrative:
In XX/XX/XXXX my husband and I got a divorce. Per speaking to a XXXX XXXX representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. 

I have contacted XXXX XXXX and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. 

My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting.

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 2020-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nudge Funding, LLC
State: TX

Complaint narrative:
The originator for my re-finance is taking an extraordinary amount of time to complete the process. It is now at 104 days after having submitted my paper work to initiate the refinance and the originator has missed several planned re-finance completion deadlines that they have scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2020 Attention Equifax Fraud Department, I am demanding that you remove these fraudulent accounts that you have listed on my credit file. I am currently waiting on the outcome of a lawsuit in regards to the Equifax Data Breach this security breach resulted in millions of consumers including myself to fall victim to identity theft. My personal information was compromised and used to secure fraudulent accounts. If you refuse to remove these fraudulent accounts from my credit file, I will move forward with my lawyer and file a motion to sue your company in state or federal court. At that time, I will ask to be compensated for my time, refunded for actual damages to my credit file, as well as compensated for my mental and physical health as this fraudulent information listed on my credit file has caused me a great deal of stress. My lawyer has advised me to contact the FTC and the CFPB, which I have done and attached the documentation for permeant removal of these fraudulent accounts. 

If you refuse to remove these accounts from my credit file, I will give my lawyer the OK to file a motion against your business in 8 business days. You must provide me with debt validation documentation, by law which is legal documentation of the Section 609 of the Fair Credit Reporting Act Attached is my legal FTC report, I am also awaiting a hard copy of my police report that I have also filed. I hereby state that all information I have provided is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete information. 

The following accounts should be removed from my credit as soon as possible. 
1. XXXX XXXX XXXX {$4000.00} 2.Us Department of Education {$9000.00} 3.Us Department of Education {$4300.00} 4.Us Department of Education {$10000.00} 5.All unauthorized hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: USCB, Inc.
State: CO

Complaint narrative:
A collection account for {$1300.00} appeared on my XX/XX/XXXX and XX/XX/XXXX credit reports in mid-2019. I attempted to resolve this issue with the agency that reported the collection, Revsolve. The collection agency has failed to validate the debt, including the date of first delinquency. I filed a dispute with XX/XX/XXXX and XX/XX/XXXX who both ruled the collection account was valid. I have received no information from XX/XX/XXXX, XX/XX/XXXX or Revsolve as to the validity of the debt. According to my credit reports, the account appears to be from a hospital in Arizona. I have not lived or set foot in Arizona for over 14 years, so even if the debt was at XXXX point valid, it has been illegally re-aged on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: CO

Complaint narrative:
A collection account for {$1300.00} appeared on my XX/XX/XXXX and Experian credit reports in mid-2019. I attempted to resolve this issue with the agency that reported the collection, XXXX. The collection agency has failed to validate the debt, including the date of first delinquency. I filed a dispute with XX/XX/XXXX and Experian who both ruled the collection account was valid. I have received no information from XX/XX/XXXX Experian or XXXX as to the validity of the debt. According to my credit reports, the account appears to be from a hospital in Arizona. I have not lived or set foot in Arizona for over 14 years, so even if the debt was at one point valid, it has been illegally re-aged on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been writing in to the bureaus since XXXX of 2020 and have not received ANY responses. 

Here 's a list of the correspondence : Experian : XX/XX/2020 : Request to remove outdated and inaccurate information. 

XX/XX/2020 : Request to Investigate ( 3 accounts listed with reason for requesting investigation ). 

XX/XX/2020 : Bureau Warning Letter - No responses received XX/XX/2020 : Next round of disputing with 3 letters requesting ( 1 ) description of investigation procedures ( 2 ) all documents contained in their files about those 3 accounts ( 3 ) request to re-investigate. 

I have not received a response to ANY of these requests.

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 2020-10-27 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Lender is not able to pull up Experian - XX/XX/XXXX score for me, on a {$2.00} Million dollar loan. The report says its " Frozen ''. 

I have been calling Experian for 24 days ( almost daily, many days multiple times ) and the issue is not resolved. I even called them with my lender on the line - and when they would say the problem was fixed, my lender would run the report and fail - and they would find another problem, until my lender had to jump off the line because XXXX repeatedly failed to solve the problem. 

They have misdiagnosed the problem multiple times - have taken " 3 to 5 business days to correct '' multiple times, and every time they tell me the issue has been resolved, it isn't. After multiple tries, they say with some consistency that the issue is that I have a " split '' file in the back end and my data has been confused with someone else 's with similar name or social security number. 

Additionally, I am very often disconnected after being on for 30 minutes or more, there is never any 'history ' of the endless discussions I have with them as they say 'they do not keep notes ', I have to redescribe the problem every time, and the supervisors from their dispute department continually promise to call me back - and I have yet to receive a call back. 

Lender continues to say they can not pull the report, and Experian is now again saying that they have solved the problem. 

I don't know what else to do.

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 2020-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2020 Attention XX/XX/XXXX Fraud Department, I am demanding that you remove these fraudulent accounts that you have listed on my credit file. I am currently waiting on the outcome of a lawsuit in regards to the XX/XX/XXXX Data Breach this security breach resulted in millions of consumers including myself to fall victim to identity theft. My personal information was compromised and used to secure fraudulent accounts. If you refuse to remove these fraudulent accounts from my credit file, I will move forward with my lawyer and file a motion to sue your company in state or federal court. At that time, I will ask to be compensated for my time, refunded for actual damages to my credit file, as well as compensated for my mental and physical health as this fraudulent information listed on my credit file has caused me a great deal of stress. My lawyer has advised me to contact the FTC and the CFPB, which I have done and attached the documentation for permeant removal of these fraudulent accounts. 

If you refuse to remove these accounts from my credit file, I will give my lawyer the OK to file a motion against your business in 8 business days. You must provide me with debt validation documentation, by law which is legal documentation of the Section 609 of the Fair Credit Reporting Act Attached is my legal FTC report, I am also awaiting a hard copy of my police report that I have also filed. I hereby state that all information I have provided is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete information. 

The following accounts should be removed from my credit as soon as possible.

1. Account Resolution Service {$4000.00} 2.Us Department of Education {$9000.00} 3.Us Department of Education {$4300.00} 4.Us Department of Education {$10000.00} 5.All unauthorized hard inquiries

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 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been served a notice by Transworld Systems, Inc that they are going to collect {$620.00} from me. They state on their letter they are working on behalf of XXXX XXXX XXXX XXXX XXXX and the former creditor was XXXX XXXX. I have never done business with XXXX XXXX XXXX and am not certain what this is about, but due to the former creditor, I suspect it has to do with my time in XXXX, TX. In the fall of 2012, I worked for the XXXX XXXX XXXX XXXX, XXXX, TX and was assigned housing belonging to the school district. When I left the job in XX/XX/2012, I closed out the accounts associated with the housing, including the utilities. I did this in person in their offices. Later, I was notified by the utility that I owed them several months worth of electric bills for a period of time after I had left the premises and was no longer in the housing. I contacted them and let them know that this was not my debt and the problem was they had multiple addresses for the same houses and had mistakenly assigned this debt from another house to me. The assured me at the time they had cleared it up and I have not heard anything more about this issue until now. It is their responsibility of TSI and XXXX XXXX XXXX to verity the accuracy of any efforts to collect a debt before sending out letters such as this. I am notifying the company, in writing, that I dispute this debt and will also notify them that I have filed a formal complaint against them. I have attached a copy of the letter they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have spoken repeatedly to Ms. XXXX XXXX with Navient throughout the month of XXXX in which she is still demanding that I settle my private student loans by the end of the month. Recently I have asked ( XX/XX/XXXX ) to lower the down payment from {$5000.00} to {$2500.00} before making payments, but nothing has come from this discussion. I tried asking to renegotiate the total repayment of the loan and that was denied also. In fact, I was further be belittled over the phone about how these student loans are my problem and I need to make a decision what to do by the end of XXXX. Furthermore, I tried explaining to Ms. XXXX that my job may be the chopping block due to market uncertainty. I am a XXXX  in an XXXXXXXX XXXX XXXX and our clients are beginning to cancel or delay projects again due to the ongoing pandemic Covid-19. Now, I'm asking for a delay on repaying this defaulted loan until the beginning of the New Year when we can re-assess how stable my income will be. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XX/XX/XXXX, TX XXXX SINGLE FAMILY Year of Birth XX/XX/XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusOpen. 
Status UpdatedMar 2020 Balance {$26000.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$960.00} Original Balance {$52000.00} Highest Balance {$0.00} Terms75 Months Payment History

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo XXXX has a deed of trust recorded against my primary residence at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. It is for a line of credit ( LOC ) with a credit limit of {$64000.00}. 
I have never used this LOC, have never received a statement about it, and have since paid off all other mortgages on this property. I am seeking to get a reconveyance or payoff statement from Wells Fargo so we can open another HELOC with another bank, XXXX XXXX XXXX  in WA State. XXXX XXXX XXXX  will not go in a junior lien position to this existing Wells Fargo LOC. 
We have tried for several weeks to obtain the LOC account number through Wells Fargo at the consumer level, home mortgage level, XXXX loan servicing level, and branch level, with no luck. 
Yesterday I was advised by a Wells Fargo employee to file this complaint as " the only way I have seen people get a response '' to such a request. 
Wells Fargo apparently has no mechanism for obtaining an account number or delivering service to an existing customer, unless that customer already has the account number to share. 
I held off until our local escrow professional contacted Wells Fargo with a signed Authorization to Release Information document from my wife and I, and she met with the same response. She requested I file this complaint as well. 

I will attach the Deed of Trust that was recorded in relation to this LOC. 

***All we need is for Wells Fargo to look up the account and give me the account number. *** We have no record of it otherwise.

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 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
In XXXX, XXXX, British airlines canceled my flight to XXXX. They refunded the costs on XX/XX/XXXX of {$430.00} and {$630.00} for a total of {$1000.00} back to my Chase Bank credit card. Back in XXXX, XXXX, I had canceled my Chase credit card, which has since been purged by their bank. On XX/XX/XXXX Chase Bank sent me a letter, after talking to them on the phone, that they sent the funds back to British Airways. I called British Airways and they said they refuse the money and sent it back to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
S

everal times in the past 3 months, I've been charged overdraft fees by PNC bank, even though as of midnight the night before, there have been no pending charges or posted charges on the account which put the account into a negative balance. THEN, the next day ( generally when I wake up and check my account - XXXX or XXXX ), I'll see a transaction show as posted to the day before, in some cases multiple transactions, and overdraft fees of {$36.00} for each transaction.

PNC 's response is that the transactions show as posted the day before. In this most recent case, today is XX/XX/XXXX. As of midnight last night, or just before, XXXX, my account had a balance of {$.00} cents. I woke up today to see a balance of {$460.00}. Overnight, my unemployment funds from the state of NY were deposited into my account, {$500.00}, BUT a {$7.00} charge ( again which did NOT show up in any way shape or form in the account on XX/XX/XXXX ) shows up as " posted '' on XX/XX/XXXX, and an overdraft fee of {$36.00} was assessed. The math here is {$500.00} - {$7.00}, resulting in {$490.00}, minus the overdraft fee of {$36.00}, leaving {$460.00}.

I've discussed this with two different CS associates at the bank, and had the issue escalated, only to be told they are not allowed to issue a " courtesy refund '' of the fee. I don't see how this is even a courtesy, I can't ensure funds are in my account to cover charges which are not there. As far as I know, I have {$500.00} coming into the account the next morning ( today ) and a balance of XXXX cents at XXXX the day before, how am I not covered for a {$7.00} charge coming in? This {$7.00} was an outstandig ACH transaction, which could obviously be debited at any time, but it wasn't debited on the XXXX, so it's unfair I be charged a fee just because a charge appears the next day with a retroactive posting date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Not sure of the date, but several months ago, I tried to correct the balance shown on credit report for my mortgage. The explanation given made some sense and I let it go. Since then I explored an option to get a refi, however, now am selling. In the process I was told by Mortgage Broker that the balance I would need to pay would be the balance on my statement of {$290000.00} plus my missed payments from forbearance. Currently that brings it up to {$300000.00}, higher than the initial loan! By the time I close, there will be 3 more missed payments, adding approx {$4400.00}. Note : My initial mortgage was {$290000.00} on XX/XX/2019. This is contrary to the explanation given to me previously by XXXX. In essence, that since all those months of payments were taken out of the 30 year mortgage pay off, they would need to be made up for, which could potentially be handled by extending the mortgage the length of the forbearance. When you do the math, it is an extension of time, not of the actual balance. That said, it appears that XXXX has set itself up to get an extra $ XXXX from me when all is said and done, under the guise of a forbearance that was promised to be " no penalty ''. If not addressed, XXXX  ( and potentially other Mortgage Lenders following the same pattern ) will be bilking thousands of dollars, unsuspectedly from borrowers. Bottom line, my balance on my statement is my balance-period and when I close on the sale of my home there is no way they should have the authority to collect an additional $ XXXX. Further, my credit report should reflect my actual balance of {$290000.00}.

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 2020-10-27 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 — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Year of Birth XXXX XXXX  Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusOpen. 
Status UpdatedMar 2020 Balance {$26000.00} Balance UpdatedXX/XX/XXXX Recent Payment $ 0 Monthly Payment {$960.00} Original Balance {$52000.00} Highest Balance {$0.00} Terms75 Months Payment History

Company response to consumer: Closed with explanation