vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX is providing false information about my background. Specifically, company is reporting an eviction. Attached documentation shows the case was dismissed per the clerk of court.

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 2019-12-11 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Chexsystem failed to investigate a concern for ID theft. They respond to another CFPD complaint and said the information from fifth third bank was accurate however I have attached the letter from them Stating the information was not main and that it has been removed from chexsystem. I am also disputing the inquires made without my knowledge of someone trying to open an account. They is at least 50!

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 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Loan # XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX I was notified about a foreclosure/auction close to two years ago and the door locks on this unoccupied property have been changed at that time. I moved to another state 4 years ago. Now to my surprise I heard from a realtor who tells me there was no foreclosure. How could that be? I thought all this time there was a foreclosure and the home was sold at an auction. I also saw that the home was on the market for sale but I never put it up for sale at that time. No notification from Wells Fargo or the attorneys they assigned ( XXXX XXXX XXXX ). The bank seems to have been conveniently charging interest on this account that apparently never reached a foreclosure and now I can never pay off the balance they created. I also have doubts I can ever convince the investor to accept a short sale ( so far they've denied it when I had received an offer ). This entire situation seems to be a scam as I've received no notifications from either Wells Fargo or their Lawyers and I think they are purposefully delaying foreclosing on the home so they can charge me additional interest. Could they also be doing this to other people with a similar situation? I hope you can help. 

Thank you. 
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 2019-12-11 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:
Today ( XX/XX/XXXX ) I checked my credit score from XXXX XXXX, I have a XXXX rating from transunion and XXXX. So I wanted to check Experian to see if all three credit companies had the same rating for me. 
Experian had a score of XXXX for me and incorrect information on two closed history accounts that have been removed from XXXX and XXXX. 
I called to file a dispute on a XXXX  XXXX account that was showing a charge off three months past the time it was paid. It was also showing charge off when I was making monthly payments every month since XX/XX/XXXX. This account was paid off on XX/XX/XXXX. 
The person I talked to was trying to persuade me to not file a dispute, I insisted but do not know for sure if they went through with it. 
The second account was the same. A XXXX account that was paid off on XX/XX/XXXX. 
Their records show that it was still in arrears XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like for these accounts to be removed from my credit report. 
This is egregious behavior for a credit reporting agency to miss these very important facts that determine the paths of peoples lives.

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 2019-12-11 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: NC

Complaint narrative:
I'm a victim of identity theft so I filed an identity theft complaint with the FTC and I also went down to the police station to get a police report, after that, I sent this information into all three bureaus and the collection agencies. As a result, every company deleted all fraudulent accounts except Experian, they deleted some things but not everything. According to section 605 B of the FCRA, if there's a dispute letter attached to a police report, the credit bureau has to automatically delete the items, but Experian haven't so, therefore, they are guilty of willful non-compliance. This company left these things on my credit report. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # 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 2019-12-11 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: CA

Complaint narrative:
I am a victim of identity theft and i went to all 3 credit bureas to get the fradulent items removed from my credit but the only bereau that has removed all the negative fradulent activity is XXXX they did an investigation and it did show that it was indeed fraud. the problem is i have contacted experian and XXXX  for the past 3 months and they have not removed what XXXX  has removed from my credit, i have called, and mailed them numerous times and they dont make these changes.

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 2019-12-11 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-11 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: Global Lending Services LLC
State: TX

Complaint narrative:
GLSLLC inaccurately reporting late payments on my credit files. XX/XX/2019 and XX/XX/2019 are being shown as lates. How can the company reports a late payment when it's not past the month?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MO

Complaint narrative:
My granddaughter secured a private student loan from Discover in  XXXX in the amount of {$12000.00}. I am her grandmother and a co-signer. In the spring of XXXX, we started paying back the loan in the amount of {$130.00} monthly. My granddaughter does not make payments in time however, Discover does not charge late fees. I have got her up-to-date a few times but this week, I got a payment stub and began looking at the entire loan history. Loan was for {$12000.00} ; says total paid has been {$6100.00} ; total principal amount is {$2200.00} ; current balance is {$11000.00}. That reflects a decrease of only {$500.00}. How are we ever going to pay off this loan if in a approx. 4 year period, only {$500.00} has ACTUALLY been applied to the principal? I have tried to get Discover to explain how payments are applied but get no satisfaction. I think they are charging interest upon deferred interest upon daily interest, etc. I need to know if what they are doing is perfectly legal and how my granddaughter can get this loan paid off knowing that only pennies are going to decrease the loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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:
In XXXX of this year I disputed several Items on my credit reports and sometime at the earlier part of XXXX, they all came back as verified accurate reporting. I'ts been several months since then and curiosity set in. I decided to look into my legal rights as a consumer and exercise them. In the month of XXXX I requested that XXXX, Equifax and XXXX  inform me of how they verified the information on my credit reports and request a re-investigation of the disputed items. They have failed to provide the necessary documentation within the proper time frame and have not removed the items in question. As of XX/XX/2019 I gave two of them a phone call before making this report, to see if the items were removed and both XXXX and Equifax stated they are still investigating my dispute. I explain to them i'ts past the 15 day time frame and under the FCRA rules and regulations this is illegal. They also claim the public record was verified accurate by the courts but I've obtained information in writing they don't give out information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$610.00} -This is not my account.

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 2019-12-11 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: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX failed to investigate a concern for ID theft. They respond to another CFPD complaint and said the information from XXXX XXXX XXXX was accurate however I have attached the letter from them Stating the information was not main and that it has been removed from XXXX. I am also disputing the inquires made without my knowledge of someone trying to open an account. They is at least 50!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2019 I realized almost immediately ( due to habit to check my accounts ) that two fraudulent transactions were processed from my checking account using a bank tool called XXXX to an individual with the name " XXXX '', they were two transactions {$500.00} and {$2500.00} totals {$3000.00}. I did transfer {$100.00} to XXXX ( real ) days before, but this " XXXX '' has a different phone number and he doesn't have account with the bank were the money was deposited through the fraud transactions. Moreover, I was on the phone with Bank of America representative filing my claim, I was also communicating with XXXX ( cellphone service provider ) through a online chat because the hacker after he made the fraud transactions he damaged the SIM card and was unable to access my cellphone. Later the XXXX representative recommended me to go to the store and found out what was happened. In the store representative confirmed that I don't have service due to the SIM card was damaged and I bought a new SIM to be able to have service. Lastly, anytime that XXXX transfer is made is generated an email with transaction detail ; I had not received any email from Bank of America for the subject two fraud transactions. On Monday XX/XX/XXXX I received a letter from Bank of America stated the denial of my claim. I feel that their analysis was superficial and without considering all the facts.The amount is not insignificant, I really need to be credited in order to pay my mortgage and bills. I have colleagues and friends that have the same issue before and the bank credit their claims based on the facts. I did not need to transfer that amount to anybody and I can provide XXXX info to probe. This is a federal crime so I am willing to speak with FBI - Financial Crime Division.

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 2019-12-11 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX I need some help to remove some fraudulent addresses off my credit. The address above is my current and only address. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have several numbers on my credit file that do not belong to me as well please delete/remove the following numbers : ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$610.00} -This is not my account.

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 2019-12-11 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$610.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: GA

Complaint narrative:
On XX/XX/2019, I registered on the Do Not Call Registry. 
On XX/XX/2019 I sent a certified letter to Navient student loan services that included my recent Chapter XXXX Bankruptcy completion paperwork, and a letter requesting that Navient contact my attorney with all further questions regarding my account. I still received phone calls and emails directly from Navient after their received my certified letter. On XX/XX/2019 I finally sent a Cease and Desist Letter to Navient via certified mail. I have continued to receive emails and phone calls on a daily basis from Navient since they received my Cease and Desist letter. My relatives have also continued to receive communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and i went to all 3 credit bureas to get the fradulent items removed from my credit but the only bereau that has removed all the negative fradulent activity is XXXX  they did an  investigation and it did show that it was indeed fraud. the problem is i have contacted XXXX  and transunion for the past 3 months and they have not removed what XXXX  has removed from my credit, i have called, and mailed them numerous times and they dont make these changes.

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