vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a secured credit card with wells fargo for 5 yrs. never late until XX/XX/2019 due to sickness of XXXX and my job slowed downed. I received a 30 day late mark. I told the manager what happened and the reason being, they did not try and help at all. I had 5 yrs of perfect payment history until I got sick. I closed my account in good standing. all I ask was them to remove 1 late payment, they told me no. I don't think thats right. I was a loyal customer. all I ask if this late payment could be removed from all 3 Bureaus. XXXX, XXXX  and XXXX. I would appreciate it alot. Thank you.

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 2020-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Offices Howard Lee Schiff, P.C.
State: ME

Complaint narrative:
The Law Office of XXXX XXXX XXXX placed a lien on my property located at XXXX XXXX XXXX. XXXX ME, XXXX. This was done on behalf of XXXX XXXX for a credit card debt of {$10000.00}. However, my interest in this property does not exceed the statutory maximums and the residence is therefore exempt from attachment under 14 M.R.S.A. 4422 ( 1 ) ( A ). They were notified of this on XX/XX/2020 and was given 15 days to remove the Lien. As of XX/XX/2020 they have given no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed information on several occasions with the three major credit bureaus. One minute they delete the information the next minute they are reinserted back on my credit file, and displaying wrong information. Below are the items that I have disputed before and have been deleted and " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are also several inquiries on each of my reports stating I gave permission for my credit to be ran for a new car in XXXX XXXX. I walked into waldorf chevy with a letter from my Credit Union with how much they would finance. I never gave permission for them to run my credit through anyone else my vehicle was already done. Each of them state " The inquiry was of Factual Record, whose record? the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1. XXXX This is a fraudulent account 2, XXXX XXXX XXXX. This account was deleted, it also had a message saying that this account was due to Natural Disaster or Emergency, deleted from all three bureaus, in XXXX and XXXX only to be reinserted. They refused to go back and disputed again ( All three bureaus state they will not dispute again. 

3. XXXX XXXX Was deleted and reinserted due to unverifiable information and fraud. The Credit Bureau ( XXXX  and Transunion ) Refused to re dispute stating it was frivolous but deleted from XXXX. 
4. XXXX XXXX This account information is incorrect it was opened XX/XX/XXXX, and was deleted because of fraud. 
5. XXXX XXXX. This account was deleted in XXXX when I had a lawyer go after them, only to be reinserted. Experian won't re dispute they have not come back on Equifax or transunion. 
6. XXXX XXXX XXXX. The account information is incorrect, name, when account was opened, balance etc. It was deleted from XXXX, but transunion and experian keep reinserting. 
7. Bankruptcy filed in XXXX was fraudulent. The bureaus ' state they got their information from XXXX XXXX and I have a report from them stating they have no information regarding a bankruptcy on me. 
8. XXXX XXXX XXXX never late As stated above, these actions take by these credit bureaus are in direct violation of my rights and I demand that they be removed or I will seek legal action against each company individually for violating my rights as a consumer.

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 2020-04-19 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: MD

Complaint narrative:
I have disputed information on several occasions with the three major credit bureaus. One minute they delete the information the next minute they are reinserted back on my credit file, and displaying wrong information. Below are the items that I have disputed before and have been deleted and " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are also several inquiries on each of my reports stating I gave permission for my credit to be ran for a new car in XXXX XX/XX/XXXX. I walked into XXXX XXXX  with a letter from my Credit Union with how much they would finance. I never gave permission for them to run my credit through anyone else my vehicle was already done. Each of them state " The inquiry was of Factual Record, whose record? the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1. XXXX This is a fraudulent account 2, XXXX XXXX XXXX. This account was deleted, it also had a message saying that this account was due to Natural Disaster or Emergency, deleted from all three bureaus, in XXXX and XXXX only to be reinserted. They refused to go back and disputed again ( All three bureaus state they will not dispute again. 

3. XXXX XXXX Was deleted and reinserted due to unverifiable information and fraud. The Credit Bureau ( Experian and XXXX  ) Refused to re dispute stating it was frivolous but deleted from XXXX. 
4. XXXX XXXX This account information is incorrect it was opened XX/XX/XXXX, and was deleted because of fraud. 
5. XXXX XXXX. This account was deleted in XXXX when I had a lawyer go after them, only to be reinserted. Experian won't re dispute they have not come back on XXXX or XXXX 
6. XXXX XXXX XXXX. The account information is incorrect, name, when account was opened, balance etc. It was deleted from XXXX, but XXXX  and experian keep reinserting. 
7. Bankruptcy filed in XXXX was fraudulent. The bureaus ' state they got their information from XXXX XXXX and I have a report from them stating they have no information regarding a bankruptcy on me. 
8. XXXX XXXX XXXX never late As stated above, these actions take by these credit bureaus are in direct violation of my rights and I demand that they be removed or I will seek legal action against each company individually for violating my rights as a consumer.

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 2020-04-19 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: TX

Complaint narrative:
I am a victim of Identity theft and experian has not removed any items on my credit report and it has been well over 30 days.

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 2020-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of fraud and Identity theft. I filed a dispute with Transunion and the dispute was verified as accurate. I sent a method of verification letter to Transunion via certified mail which was received on XX/XX/2020 my tracking number is XXXX. It is now pass the 15 day period that they have to respond according to FCRA 611, and Transunion has failed to provide me with a method of verification letter. meanwhile this fraudulent information is still appearing on my credit report. Transunion needs to remove these inaccuracies asap as it is already damaging, since they failed to meet the required deadlines they are NOT in compliance with the FCRA!! I will excise my right to sue Transunion under FRCA section 616. This isn't right!

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 2020-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
Tried to Transfer funds via walmart online aka moneygram. signed up for an account included my DL front and back. Sent {$3900.00} on XX/XX/16 at XXXX XXXX  got email my transfer has been sent. Receiver never got. Called 3 times as did receiver each time told to call back in 24 hours. Still have not transferred funds to receiver or returned them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: NY

Complaint narrative:
I am reaching out in regards to the credit bureaus not notifying me of my dispute investigation. It has been more than 2 months and haven't received any results. I mailed out a regular dispute letter on XX/XX/2020 and a 60 day demand to comply on XX/XX/2020. I have no choice but to file a complaint with the cfpb.

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 2020-04-19 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

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 2020-04-19 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: TX

Complaint narrative:
I am a victim of Identity theft and experian has not removed any items on my credit report and it has been well over 30 days.

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 2020-04-19 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: TX

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted TransUnion several times explaining that these accounts from XXXX XXXX are fraud accounts. I have provided a police report, identity theft report and my ID along with proof previously requested. Please delete and block all the accounts from my credit report because this is fraud that you are reporting. Please delete & block these accounts.

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 2020-04-19 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:
I am a victim of identity theft and these accounts by law must be removed from my credit profile.

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 2020-04-19 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: FL

Complaint narrative:
I am a victim of identity theft and these accounts by law must be removed from my credit profile.

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 2020-04-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a victim of identity theft and these accounts by law must be removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
I noticed that Jefferson Capital LLC aappeared on all three credit reports in early XXXX. The amount listed is {$1900.00} and the original creditor listed is XXXX XXXX. The date Jefferson Capital opened this was XX/XX/2019. I never received one notice or one phone call from this company and they never once allowed me to verify the debt or offered to verify the debt. I called them after I saw this on my report in XXXX and they were very rude and eventually I was transferred and hung up on. Late XXXX, I received a letter for payment in the mail from this company, but there was no verification or an offer to request a verification/dispute. The wording of the letter was threatening and not clear at all. It was worded in a way to confuse you or trip you up. It threatened a lawsuit even after it said the time limit had expired for that. It offered payment options, but then said payment would restart a lawsuit. I feel as though this company practices unfair and deceptive collection practices. I had zero collection accounts on my credit until this account was underhandedly added. I do not agree I owe this and I feel like my rights under the FDCPA have been violated in a few ways. First, I was never given a verification. Second, I was never given an opportunity to dispute this account. Third, threatening with a lawsuit is not legal when you have no justification to carry that out. I have also filed complaints with XXXX  and if I can't get Jefferson Capital to delete their presence off my credit report completely and cease collection activity, I will consult with a consumer attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I submitted an " opt-out request '' request from XXXX not to share my public information. I am challenging the validity of the legal process in which this information was shared. I am asking the Experian credit Bureau to remove this item from my credit report due to the improper process used to post this public information.

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 2020-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: PA

Complaint narrative:
XX/XX/2020 WestLake Financial Services called me about paying my car note. I explained to them that my job is closed due to this covid19 crisis. They push my payment to the end of my loan. They called me XX/XX/XXXX & XXXX XXXX  about a payment. They know that this world is in a crisis. I'm not understanding why they just didn't freeze or suspend payments like everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
We filled out information concerning a forbearance plan which we never completed. I then received an email stating we were in a forbearance plan. I proceeded to call Quicken Loans Mortgage and explained the situation. I was assured that the forbearance would be removed. I am requesting Quicken Loans to update my account which is current. The procedure was enacted without the complete signatures of both parties on the existing loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: IL

Complaint narrative:
I have notified Equifax that the accounts listed under XXXX XXXX are fraud accounts. I have provided a police report, identity theft, social security card and notified Equifax several times. You continue to report this fraud information on my reports. I am asking that you delete & Block all accounts listed as XXXX XXXX as they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a deal with a guys whos name is supposedly XXXX XXXX whos paypal id XXXX to buy an iphone x that he was supposed to ship and it was supposed to be delievered on XX/XX/XXXX but it didnt come. I had already paid him XXXX for shipping and as a deposit but now he has completely gone ghost his number doesnt exist no more and his XXXX account is gone. He stole XXXX dollars from me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
Select Portfolio Servicing which is more or less a bill collector they bought this mortgage from a XXXX they are doing the same thing fraudulent billing incorrect billing not being credit for payments made and I have a bankruptcy attorney and they charged me for quotes for a little drive by well that's against the law when you're in the process of filing bankruptcy if everything and have no mess they're taking advantage of someone that is XXXX and elderly and the information is incorrect I keep trying to tell them over and over getting nowhere as usual same as XXXX!! fraudulent billing, not being credit for payments made, change late fee when payment has been made on time!! They know I have a bankruptcy ATTORNEY and still lie breaking laws! Can not change me with there fraudulent charges!! Taking advantage of XXXX and elderly You busted them when it was XXXX morg!! Select Portfolio Serving in not even credited mortgage company They are a bill collection com.. 
I really need something done they're taking advantage of some of that is XXXX an elderly!! They know about my attorney but yet they still charge my account for something that they didn't even do they have everything I need my attorney 's name number address everything we've been through this with them I have too many times I don't need this please help me I want something down with this company I know I'm not the only one they are no different than XXXX mortgage fraudulent charges I don't know anything that they say I owe over billing don't get credit for payments being overcharged for late payments when I'm not late they know do not call me, attorney but they still call me I can prove that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation