vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: DE

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/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 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on Saturday deposited a Money Order they can do this if not participating ... part of it was available as a courtesy ... The complaint is a money order was a hybrid between a checque and cash ... still today Monday the funds available the next business day so why is it not ... only XXXX of a XXXX and will be the next day ... Lied to by the teller, called the phone bank before going in and teller forgot who I was and caused more problems like unable to pay a bill, delayed further by the phone bank XXXX who happens to be corporate ... shows you discrimination and how they have not learned from the fake account disaster ... it is my money they will not invest into infrastructure to check and XXXX said closed Sunday ... under covid need to be faster and the 21st century ... because they are not afraid and CFPB has no lawyers they are not afraid to do this to me ... they sent a read and destroy by XXXX to the branch as evidenced by the teller reading their screens which is not kosher pretending they do not know me ... XXXX in AZ decided to transfer me after ... it was the branch that was too restrictive ... banks had branches not stores if then discrimination ... That is only the tip of the iceberg..at this time they refused to participate like a real big bank. Call corporate instead ...

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 2021-07-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are a few elements at play here that led to me not even being aware that my account was at risk for being delinquent. 

1 ) I have two separate loan accounts with this loan provider. One of which, I could access, the other, I could not. 
2 ) I was locked out of the account that they were sending correspondences to - and I wrote them through their portal, emailed them, and called multiple times ( Once on XXXX XXXX, once on XX/XX/XXXX, and at two other points in XXXX and XXXX ). None of these methods yielded a response. Not once. 

I had no idea that I had an outstanding balance that needed to be paid - only that there was a message in the account that I could not access. And the only prompt that was available when I tried to address the inability to login - was the site prompting me to call in. Which I did - but never received an answer. 

Things proceeded this way until XX/XX/XXXX, when my parents at my family home received a letter and sent me a message that I needed to call and pay by phone. I had no idea this was the case for so long and paid that same day. Fast forward to XX/XX/XXXX - I get a credit monitoring alert that I have 3 new derogatory marks on my credit report that dropped my score XXXX plus points. A score that I have been scrounging to protect since I graduated 3 years ago. That has come under assault due to misreporting from multiple sources. 

That being said, I literally had no way of knowing what was going on. When I called, I got no representative. When I tried to contact them via their portal on the site, I was prompted to call. So the cycle of no contact continued. 

All things considered, I would also like it noted that as SOON as I was aware that I owed any outstanding monies, I paid the same day. Also, with the loan that I have refinanced with XXXX and XXXX, that payment has always been on time. 

I think it's unfair to be penalized for something that was out of my control. In this scenario, I also demonstrated a consistent desire to understand what was going on, but when I called in today and spoke to a representative, I was made aware that the contact center had been dealing with a high backlog in terms of correspondence. That further contextualizes the issue that denied me the ability to contact the lender and even understand that I had a payment due. I would really like these derogatory marks removed.

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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian Membership Services. 
I called and spoke with XXXX who was very rude and refuse to provide me with her supervisor. I called back and was transferred to the Supervisors of the membership department, spoke with XXXX, same department as XXXX. He refused to provide me with a manager. 
Manager ; XXXX would not provide that information. 
Supervisors of the membership department. 
These supervisors provided the same poor service as the membership representatives. The supervisor XXXX talked over me and was disturbingly rude to the point where I was encourage to write this letter to advise Eperian of how customers are being treated.

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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I the consumer XXXX XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This is in reference to complaint # XXXX TO YOUR RESPONSE YOU STATED THAT NO CORRESPONDENCE WAS RECEIVED DIRECTLY FROM YOU PIOR TO THE COMPLAINT FILED THROUGH THE CFPB WHICH IS ACTUALLY INCORRECT! I HAVE THE CERTIFIED MAIL RECIPT AND TRACKING NUMBER TO PROVE IT. WHICH IS ATTACHED. DATED BACK TO XX/XX/2021!! IVE BEEN IGNORED YOU DONT HAVE ANY RIGHT BY LAW TO FURNISH ANY INFORMATION ON MY CONSUMER CREDIT REPORT WITHOUT MY PERMISSION. 15 USC 1681B YOU ARE A 3RD PARTY AND I DONT OWE YOU ANYTHING BY LAW. BY LAW YOU CAN NOT STATE THAT I OWE AN ALLEGED DEBT. 15 USC 1692B ( 2 ). YOU FURNISHED THIS INFORMATION WITHOUT VALIDATING THE ALLEGED DEBT WHICH HAS RUINED MY REPUTATION. 15 USC 1692D. I DIDNT ENTER ANY CONTRACT WITH YOU.

YOUR ALSO FURNISHING DECEPTIVE FORMS 15 USC 1692J, WITH FALSE AND MISLEADING REPRESENTATIONS 15 USC 1692E ( 2 ). 

IN MY AFFIDAVIT OF TRUTH THAT HAS BEEN IGNORED UNTIL I PLACED THE COMPLAINT VIA THE CFBP, STATES I AM THE NATURAL PERSON AND THE ORIGINAL CREDITOR.MY CREDIT CARD WAS USED TO ENTER THE ORIGINAL TRANSACTION,15 USC 1602, THAT YOU WERE NOT PRESENT FOR. 

INFORMATION PROVIDED BY THE SELLER TO YOU HAS NOTHING TO DO WITH ME, THE NATURAL PERSON, THE ORIGINAL CREDITOR WHEN I REQUEST A VALIDATION OF DEBT 15 USC 1692G THE LAW ALSO STATES An affidavit unrebutted stands as Truth.

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
In XX/XX/2021, i submitted a request to be evaluated for loss mitigation with my lender. On XX/XX/2021 my lender provided a correspondence stating that i was eligible to participate in the lender 's " Short Sale Program '' ( attached ). This program would provide me until XX/XX/2021 to sell the property and receive a full deficiency waiver. The correspondence gave me until XX/XX/2021 to accept the Short Sale Program. 

On XX/XX/2021 my Attorney 's office contacted the lender to accept the short sale program and began to market my property for sale ( email attached ). I complied with every request from the lender for documentation and access to the property to complete their appraisal/XXXX 's. 

My agent was able to find a buyer that was very interested in the property. We got a $ XXXX contract executed and submitted it to the lender. The lender stated that they needed an offer of {$110000.00} as the interior XXXX came back at this price ( attached ). The buyer accepted the lender 's increased offer and we submitted an updated contract addendum with an offer price of {$110000.00}. {$100.00} above the lender 's requested value. 

However, instead of the lender approving the short sale. The lender denied the $ XXXX offer, and refused to cancel the foreclosure sale date scheduled for XX/XX/2021. Even thought the lender stated that I had until XX/XX/2021 to sell the property and that they would delay the foreclosure until that date. 

The lender breached the agreement we had by arguing against the stoppage of the XX/XX/2021 foreclosure sale date instead of providing me with the agreed upon timeframe to sale the property. It also adds insult to injury when the buyer accepted the lender 's price to sell the property. It seems the lender was just trying to find a way to get me out of the property by duping me into believing their offer letter. This is straight up fraud by this lender. I should have until XX/XX/2021 to sell the property even if the lender denies a offer prior to that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: FL

Complaint narrative:
I first began disputing the item in XX/XX/2021, nothing was done. 

On XX/XX/XXXX I submitted a dispute to XXXX  to have the account updated or negative status removed off my credit report. 

I also submitted a dispute in writing to the creditor and called them but both have refused to update the account. It is the same for al three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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:
I first began disputing the item in XX/XX/2021, nothing was done. 

On XX/XX/XXXX I submitted a dispute to Experian to have the account updated or negative status removed off my credit report. 

I also submitted a dispute in writing to the creditor and called them but both have refused to update the account. It is the same for al three credit bureaus.

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 2021-07-26 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: Nelnet, Inc.
State: OH

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have notified Experian via/ dispute that they are reporting my date of birth, name and address inaccurately and with that inaccurate personal info they are connecting to several accounts from same provider as being my accounts, out of those inaccurate accounts the two that are recent were account # XXXX and # XXXX, I did not get any cooperation from Experian to use the many documents I have sent them to correct and remove the incorrect accounts and was forced to file a complaint with CFPB on XXXX XXXX, file number XXXX-XXXX, since then the company had remove one of the two disputed inaccurate accounts account # XXXX and remain the second inaccurate accounts # XXXX and as of today XX/XX/2021 the Experian still have not corrected their record to reflect my correct Address and my correct Date of Birth.

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 2021-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
We are in the process of selling our home, and buying a new one. 

Originally Freedom Mortgage told us about the Covid Forbearance. They said it would not effect us trying to move or sell. I called repeatedly on this topic with them. I had talked to multiple people. They even told me I could stop paying my mortgage. It didn't matter that I was selling my home. The price we owes would just come off the pay off amount at closing. 

Come to find out, none of that was true. I have called repeatedly to fix this problem. We are trying to close on our home XX/XX/XXXX. 

No one will help me resolve the forbearance issue. They keep telling me it will take a couple months. It is not big deal. I can sell my home and buy my new one. My lender is telling me that Freedom Mortgage are lying or don't know the process. We can not have forbearance on our credit report in order to buy or sell a home. It will still say in forbearance on the report. The will forbid us from going further.

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 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: UT

Complaint narrative:
I had my credit report hit for a claim from 2018 I never recieved anything about this and once I spoke to the Medical Company they took payment and said it was done, I never recieved anything on this issue not 1 call they had some random number and the hospitls address as my contact XXXX XXXX XXXX XXXX i corrected there info they appligized and then this hit my credit. They creditor also refused to give me any details to verify this was my account as the amounts are differant the ifo is not correct.

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 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
this debt was by XXXX XXXX XXXX XXXX. I've never known them or had any business with them. This company is now closed and the debt was sold to LEWIS MCDONNELL & ASSO.I have no knowledge of this account. There are several complaints on the company ( XXXX XXXX XXXX XXXX ) which is why they were shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NY

Complaint narrative:
This is third time Equifax keeps putting in the wrong address on my credit report. I never lived in the XXXX. I filed a complaint on XX/XX/21 with the Consumer Financial Protection Board. Equifax removed the address and then put in back on my credit report. This fraudulent address is being sent from Equifax to other reporting agencies. Can not understand what is the problem with Equifax. How many times do I need to tell them that I NEVER LIVED IN THE XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I continue to get called for my ex husband. I have advised this company that i have no communication with my ex and that we have been divorced 17 years. They continue to call me and my daughter who is XXXX years old. They refuse to remove our numbers. My ex 's name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine. According to XXXX XXXX and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. I am listing the inaccurate accounts below XXXX ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX I have filed an FTC report and I will file for litigation due to the stress caused in this matter if not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: DE

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/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 non-monetary relief