vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: OH

Complaint narrative:
It's now been over 120 days Experian has not resolved this issue. 

First Issue : Experian Lists a XXXX XXXX XXXX Account inaccurately and I would like it removed because the way they continue to list it derogatory, to further decrease my score, after months of requesting updates and sending supporting documentation. Ive enclosed supporting documentation. Please NOTE : how Experian reports this account VS the other credit bureaus. The credit bureaus also have the payment history listed inaccurate as well. This account must be deleted! 

Second Issue : Experian reinserted an account on my report, without my knowledge and it's my understanding that violates Federal Law. 

Third Issue : Experian is the only Credit Bureau that's reporting a XXXX   account that I have NO obligation to. I've been in contact with XXXX and they continue to harass me for a bill that's not listed as mine and they deny my request to provide more information regarding this account. I have no obligation to XXXX  or the original creditor.

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 2020-08-20 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX   XXXX 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 2020-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I AM A USA VETERAN WHOM IS XXXX  % XXXX THAT HAS JUST DISCOVERED THAT I AM A VICTIM OF IDENTITY THEFT. AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICE THAT A MEDICAL BILL IS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. FIRST OFF ALL OF MY MEDICAL EXPENSES ARE PAID IN FULL BY THE United States OF AMERICA. I HAVE NEVER DEALT WITH ABILITY RECOVERY OR ANY COMPANY THAT THEY REPRESENT. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any provider for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Not only is this debt does not belong to me due to fraud but your company could have also been in violation of HIPPA if it was mine.

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 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cawley & Bergmann, LLP
State: NJ

Complaint narrative:
This company Cawley & Bergmann , LLC cantact me in different ocacion, try to collect a amount of a XXXX XXXX. This company have all my personal information with out my concent and are haresting me and making me feel very intimidate with their phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: OH

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase Bank negotiated a fraudulent check in the amount of {$25.00} against my personal checking account at XXXX XXXX XXXX XXXX on XX/XX//2020. The check had neither of the two Account Signer 's signature, nor did either Account Signer authorize said check. The payee on the check, XXXX XXXX XXXX XXXX XXXX, is a business which is unknown to both Account Signers, was not engaged for any transaction. After performing a XXXX search, there are several other individuals affected by this same type of fraudulent check transaction and all for similar small dollar transaction amounts. I have contacted my credit union on XX/XX/2020 to alert of the fraud and the credit union has closed my checking account to avoid further fraud. Note, this is a checking account I have maintained for 27 years without any incident. The result of this fraudulent activity resulted in numerous hours to reset all auto debit of payments to a new checking account and more importantly reset my payroll direct deposit to a new checking account. Due to the pandemic, I could not walk into my local branch to open a new checking account, it had to be completed online and will took 2 business days to complete. 
JP Morgan Chase Bank clearly is not conducting proper KYC/CIP   protocols and should be held accountable, as well as, XXXX XXXX   XXXX, XXXX. 
JP Morgan Chase Bank has not responded to XXXX XXXX XXXX XXXX to refund the fraudulently debited funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
A bankruptcy continues to report on my credit file. Please remove. In my last dispute you said that you my bankruptcy was verified. what was your method of verification? The court said they do not release information the credit reporting agencies. please remove this bankruptcy because it was verified and the time is past due.

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
A bankruptcy continues to report on my credit file. Please remove. In my last dispute you said that you my bankruptcy was verified. what was your method of verification? The court said they do not release information the credit reporting agencies. please remove this bankruptcy because it was verified and the time is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: OH

Complaint narrative:
It's been over 120 days! Experian is reporting a XXXX XXXX XXXX as charge off and derogatory. Furthermore, the payment history listed is entirely incorrect. Inaccurate accounts must be removed and this account is in serious violation per Federal Law. Ive submitted supporting documentation and they continue to list this to further damage my score. See enclosed documentation. 

Also, Experian has reinserted account, XXXX XXXX  on my credit report, without my knowledge, which it its my understand this is serious violation of Federal Law.  

Lastly, Experian is the only credit bureau listing XXXX collection that I have no obligation to. XXXX has been contacted. I have no obligation to XXXX nor the original creditor. XXXX has not submitted any information and denies request to provide further information. I have no obligation to this 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 2020-08-20 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-20 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. 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 2020-08-20 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: OH

Complaint narrative:
It's been over 120 days! Experian is reporting a XXXX XXXX XXXX as charge off and derogatory. Furthermore, the payment history listed is entirely incorrect. Inaccurate accounts must be removed and this account is in serious violation per Federal Law. Ive submitted supporting documentation and they continue to list this to further damage my score. See enclosed documentation. 

Also, Experian has reinserted account, XXXX  XXXX on my credit report, without my knowledge, which it its my understand this is serious violation of Federal Law. 

Lastly, Experian is the only credit bureau listing XXXX collection that I have no obligation to. XXXX has been contacted. I have no obligation to XXXX nor the original creditor. XXXX has not submitted any information and denies request to provide further information. I have no obligation to this 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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
File Number # XXXX. To Whom it may concern XXXX XXXX county clerk & Comptroller and TransUnion have violated the Fair Debt Collection Practice Act ( FDCPA ) Pub. L. 95-109 ; 91Stat.874, codified as 15 U.S.C1692-1692p

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 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KWIK MORTGAGE CORPORATION
State: TX

Complaint narrative:
I refinanced my primary home in TX through XXXX mortgage XXXX originator ), their parent company is Kwik Mortgage based out of NJ. XXXX hired XXXX XXXX title for escrow. The closing statement stated i need to pay {$6800.00} for closing but they have collected {$8800.00} and refusing to refund excess money {$2000.00} paid into escrow. 

It has been over 6 weeks now. XXXX XXXX Mortgage told me to wait for 2-5 weeks and now XXXX XXXX and XXXX both refusing to resolve the issue amicably but giving me runaround asking me to contact my previous lender. I did contact the previous lender, they have stated that XXXX did not pay the full excess amount but paid {$400.00} more than the closing statement. Which means XXXX owes me XXXX, at least. 

First, Kiwi mortgage told me to wait 5 weeks but nothing happened after that. I reached out to Escrow, now they say my previous lender has the excess money collected by XXXX XXXX  and XXXX XXXX XXXX. But, XXXX confirmed that they did not receive XXXX excess payment. 

Which XXXX XXXX  / Kiwi Mortgage and XXXX XXXX refusing to even acknowledge my email anymore. 

I would like to get a refund or the loan amount reduced by XXXX. Or if there is a legitimate reason if the cost has gone up, i would like to know that and need someone to explain. 

The contact info for XXXX  / Kwik Mortgage : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Lead XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, NJ XXXX Direct : XXXX Fax : XXXX The contact info for XXXX XXXX XXXX XXXX Closing XXXX XXXX Direct : XXXX Fax : XXXX Email : XXXX /// Emails from XXXX Mortgage : Sent from Mail for XXXX  XXXX From : XXXX XXXX XXXX XXXX Wednesday, XX/XX/2020 XXXX AM To : XXXX XXXX XXXX XXXX closing ; XXXX XXXX Subject : XXXX : Loan # XXXX XXXX Yes, generally it takes 15-20 business days. 


Thank you! 

Sincerely, XXXX XXXX XXXX XXXX XXXX Lead XXXX XXXX Highway XXXX, XXXX XXXX XXXX, NJ XXXX Direct : XXXX Fax : XXXX XXXX XXXX www.kwikmtg.com From : XXXX XXXX XXXX Sent : XXXX  XX/XX/2020 XXXX XXXX To : XXXX XXXX XXXX Cc : closing XXXX ; XXXX XXXX XXXX Subject XXXX XXXX : Loan # XXXX XXXX When will I get the refund from the escrow company for the over payment that they have collected? 



XXXX Email from Escrow : From : XXXX XXXX XXXX : XXXX, XX/XX/2020 XXXXXXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX : Loan # XXXX XXXX XXXX XXXX We ( the escrow company ) do not have these funds. XXXX  has them. We sent them in the payoff. You will need to get the refund from them. 

Kindest regards, XXXX XXXX Closing XXXX XXXX Direct : XXXX Fax : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: OH

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-08-20 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: OH

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Birchwood Credit Services, Inc.
State: MA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2020-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received loan from Wells Fargo Auto finance loan back at XXXX loan was paid in full on XX/XX/XXXX, I called to Wells Fargo title department many times talked to manager supervisor ( I have name and recorded of all my many phone call ) its been three month and Wells Fargo Auto loan is not releasing the car title and my right to the title after the loan paid in full.

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 2020-08-20 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: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2020-08-20 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: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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