vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please examine the documents I've included. I'm requesting that the bureau launches an investigation into these accounts, as I have never been late in my payments, yet they are reporting me as such. It's unjust, given the effort I've put into ensuring I pay these accounts on time.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I'm not able to find my credit report or know my fico score. I am trying to build my credit because I've never in my life applied to receive a credit card and want to know if I'm eligible. I can't get the information I need. I looked on been verified and it tells me I'm I need to know. I was trying to make an inquiry about my credit score and fico. When I would type in my SSN, It would tell me that's a SSN for another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: WA

Complaint narrative:
MercedesXXXX collected a final balloon payment on the last month of my lease for {$4000.00}, carried over from XXXX deferments. I was not aware of this, as i forgot and my auto pay deducted final payment causing my account to go negative. I was able to get a refund on the full payment and agreed to carry over the final payment and add on to the purchase of the car, which Mercedes agreed. Mercedes does not work with residents for the state of Washington in regards to funding car loans, so i was reaching out to local lenders. As i was shopping for a lender after my lease ended it pushed past 30 days of my final bill and I was not aware that i was still on able incur a 30 day late, as we had agreed to roll the final payment over. Mercedes reported this late to the bureau which is causing me to not get funding. Once they told me I was past 30 days I payed the the final {$4000.00} on the spot and asked them to remove the late as I was in the process of trying to purchase the car. They said it was too late on their end and so here i am writing you. I was never late on my lease payments for 35 months and on my final month after Mercedes told me i could fold the payment into the purchase, I was marked late for that exact payment. I have resolved this mercedez and they are payed current up to date and i paid them an additional {$3000.00} to extend my lease until XX/XX/XXXX as I work to get this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct.

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it remains on the other XXXX reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. Sent letter XX/XX/2023 and never received response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Zillow Group Inc.
State: OR

Complaint narrative:
XX/XX/XXXX, XXXXXXXX XXXX defect specialist, XXXX XXXX, requested my driver license to be sent to him via an email without any explanation and portal to upload the document. This issue had happened in the past with XXXX XXXX, XXXXXXXX XXXX Mortgage Loan Processor. I have provided all requested documents but they never explain why I had to do so. 

During the closing period, XX/XX/XXXX - XX/XX/XXXX, XXXXXXXX XXXX team did not updated the closing process in a timely manner, I had to email and call them multiple times to check and they always requested for new documents urgently. This put a lot of unnecessary stress in our closing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
XXXX XXXX uses a third-party financial servicer, Barclay, to facilitate payments. The two entities appear separate, and do not share information about account transactions and payments in real-time. I have noticed a pattern of consistent over-charge of interest as a result, which usually is most apparent when I pay my balance in full and receive a statement that I owe additional fees/interest after-the-fact. I believe this practice is deliberate, and contrived to passively retrieve more than agreed upon interest fees in the credit contract. I have to call every time this happens and request the interest fees be reversed. The fact that the company readily acknowledges the error of additional charges and reverses the fees without question leads me to believe that they are aware, and that many other consumers may just be unknowingly paying these fees without question. I have expressed to Barclay ( in these phone calls ) that this practice is patterned, unethical, and illegal and that someone should correct the error in the system. Today I am filing complaint in hopes that an outside investigation into their practices will bring them into compliance of federal fair-trade practices.

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 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XXXX XXXX in your letter dated XX/XX/XXXX you state " community loan servicing will stop stop accepting mortgage payments after XX/XX/XXXX " is that a false statement? 

XXXX XXXX Community Loan servicing makes money when they service these types of loans a couple of months after XXXX XXXX issuance of a check for {$2200.00} you abruptly transferred this mortgage to another servicer tell me the original date that you started preparation to transfer this mortgage on XX/XX/XXXX Additionally starting XXXX of XXXX you backed into approximately XXXX mortgage payments going back XXXX  months where did you get the {$840.00} to make those XXXX mortgage payments Show me the transaction history from XX/XX/XXXX through XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX ( Original Creditor 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 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
I called several times, since XX/XX/14 requesting refund of overpayments on loans ( {$9900.00} total ). Was told several times that this refund would be issued in XXXX business days. It has been almost XXXX  months and refund is yet to be issued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is not mine, I want it deleted as soon as possible, negative for me. 

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
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023, I went to the Wells Fargo location at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and tried to open a bank account. I was told I need XXXX forms of id and proof of address. I gave XXXX forms of id and gave them my credit card statement with an address in XXXX. They told me since my address is not in XXXX that they will not be able to open me an account. I was also told that a credit card statement isn't proof of address. I tried to ask the manager, XXXX XXXX, and the woman at the desk, XXXX XXXX XXXX, what documents I need to prove my address and was told only a utility bill would suffice. I know that's not all that can be used so asked for the policy on what other documents I can use and was refused to see the policy because they're " internal documents ''. I've never heard of this policy before. I feel as if I was discriminated against and they made up some excuse of " internal policy '' as I was sitting there. XXXX is only a few miles from XXXX, can I not open an account in XXXX if I have a XXXX address? I'm also confused on why I was not provided a list of documents I can use for proof of address. As I got up to leave, the manager, XXXX XXXX, told XXXX XXXX XXXX, to pull up my profile. I told them I did not authorize them to pull up my profile and to close it. Why are you pulling up my profile and I did not give you permission to do so?

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 2023-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to inform you that on XX/XX/2023, I disputed an item on my credit report regarding a debt that was reported by Ability Recovery. I patiently waited for a response from your office regarding this matter. 

In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Ability Recovery. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt. 

Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.

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 2023-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP
State: AZ

Complaint narrative:
On XXXX my XXXX XXXX XXXX husband received a debt collection letter from North Shore Agency stating that they are collecting a debt for XXXX XXXX in the amount of {$12.00}. Although he never ordered this magazine he mailed a check in that amount on XXXX XXXX, thinking this would resolve the issue. However, he received XXXX XXXX on XX/XX/XXXX and XXXX He returned both magazines to the senders subscription department. On XX/XX/XXXX, he received notification from XXXX that the order was placed through an agency, that he needed to contact them because XXXX has an agreement that any action must be taken only with their approval. 

I, XXXX XXXX, wife of XXXX, contacted XXXX Customer Service Center advising them that we never ordered the magazine and that we wanted delivery of the magazine stopped. We were advised that a stop order was put in place and that we would receive XXXX more issue. I asked what the date of this order was and was advised that the order for the magazine was dated XXXX XXXX XXXX clearly after my husband had sent the check in response to North Shore Agency falsely claiming that this was a debt collection attempt. He had no debt!

It appears to me that North Shore Agency makes fraudulent claims knowing full well that this debt collection is fictitious. They may even target older people like my XXXX XXXX XXXX husband who are easily confused and intimidated. 

I have all supporting documentation. 

NSA North Shore Agency XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting 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 have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account /name : XXXX Account Number : XXXX Account /name : XXXX Account Number : 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
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting 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 have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account /name : XXXX Account Number : XXXX Account /name : XXXX Account Number : 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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has repeatedly sold a fraudulent debt to collection agencies who in turn have reported the debt to my credit report. I have repeatedly filed fraud alerts, placed a freeze on my credit file and previously reached out to no avail. I have filed a dispute with XXXX at this time and will file an identity theft case yet again with local law enforcement.

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 2023-11-07 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
I sent a letter out on XX/XX/2023 and XX/XX/23 to Experian, and XXXX. However, the credit bureaus said the completed the investigation and everything was % accurate. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ) are reporting ( late payments ) inaccurate information and are in violation of 15 USC 1681 s-2 ( a ) ( 1 ) ( A )

Company response to consumer: Closed with explanation