vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
They are attempting to collect debt starting from XXXX. They total amount they are trying to collect is {$4000.00}. They have contacted me several times and originally the alleged debt started at {$700.00}. Now it is over {$4000.00}. I asked them to very fit the debt and all they sent was a two page paper with the alleged total amounts owed. I was on Medicaid and Medicaid does not charge a copay ( since 2016 ) and they inisist that I owe medical bills.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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:
This is a response to the initial complaint # XXXX-XXXX  and I'm very frustrated by the lack of transparency and of the reporting bureaus understanding of fixing this problem. I've articulated exactly the problem yet as in XXXX, they did not even address the issues of the complaint, XXXX  ignored the fact that all the debt was previously paid off in full, yet still just because they used a 3rd party to verify the BK on the public record, and completely ignored the facts and the law in not removing this negative mark from my report. There own report states it will stay on the report for up to 10 years if the debt was NOT paid. I don't know how many times I need to say, in this instance and case, ALL the debt was paid in full, thus should not have to be listed on the bureaus for 10 years and should be removed. I also provided Court Orders that directed the Bureaus to remove that information and they still ignored that. I'm at a loss as it appears the Bureaus are only using a computer model that says if you file BK, it must stay on your record for 10 years regardless of the actual circumstances and facts. The Bureaus are NOT following the FCRA rules and are complicit in violating my fair credit rights, and they should be sanctioned and fined, until they resolve and remove this violation. Please refer to the attachments to the original report and Judicial Orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: CA

Complaint narrative:
I became aware of a ding on my credit report while filling out paperwork to refi my home. XXXX XXXX turned me over to XXXX XXXX XXXX for {$1100.00} in unpaid charges. Account under same name, XXXX XXXX but living in XXXX XXXX, NV. I have never lived in XXXX XXXX but have lived at XXXX XXXX XXXX, XXXX XXXX, CA for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have unauthorized credit inquiries. I am a victim of stalking and doxxing. Please investigate and remove the inquiries. 

XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 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 non-monetary relief
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I have unauthorized credit inquiries. I am a victim of stalking and doxxing. Please investigate and remove the inquiries. 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX 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 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have unauthorized credit inquiries. I am a victim of stalking and doxxing. Please investigate and remove the inquiries. 

XXXX XX/XX/2021 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 2021-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Somebody used my name with a XXXX XXXX joint line of credit for {$10000.00} in XX/XX/XXXX California Wells Fargo branch. I was in Idaho and have never heard of this person. Wells Fargo has the wrong address and no valid ID for me for the account just my social. In XX/XX/XXXX I took out a line of credit of {$10000.00} 3 weeks prior with XXXX that I paid off in full. I didnt know the other existed until it went into collections when I disputed it as fraud and Wells Fargo said they couldnt prove if it was fraud or not and werent going to do anything but write it off. And apparently according to the irs writing it off means that they can come after me for that debt even though its fraud. I duno what to do it was identity theft so I duno if I should report it to the police since theyre going to be coming after me for that money. This was almost 9 years ago and I was just told 3 days ago by two IRS agents that they will be coming after me for this money despite it being fraud. I never opened any line of credit in California, someone named XXXX XXXX XXXX did and my name was on it as a joint account. I dont know what to do and Wells Fargo isnt helping me with this situation despite it being fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01 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: LEXISNEXIS
State: PA

Complaint narrative:
LexisNexis Had False/erroneous information showing on my consumer report which is harming me and my credit score I reached out to them with a letter they did not respond at all. I sent them a non-response letter, they did not respond. I submitted a complaint with the CFPB they still did not respond in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We bought the home in XXXX and paid our own taxes and insurance In XXXX Ocwen tried to foreclose on us for missed payments. However, we did not miss a payment. Ocwen was stealing half of our payments and claiming they paid our taxes and insurance from XXXX. We paid them out of our pocket and have receipts. So when they took half of our payments for fraudulent escrow taxes and insurance it set us up for foreclosure. XXXX was taken from our account between XXXX in fake escrow. Let me explain. 

I will attach our old spreadsheets from XXXX and the forged ones we just got in XXXX. Here are the dates where they tried replacing all the money stolen. Ready for this? 

They put all of these fake numbers showing refunded escrow trying to hide the theft. They made us foreclose and we had to pay the attornies XXXX and XXXX for modification. Look at the attachments of all these fake escrow repayments. Then they would charge a fake returned check to them to balance it out. It's evil to the core. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX All of these are fake numbers to hide the theft. I assure you! 


I want the world to read this. I have complained over and over and over. They have destroyed my mental state of mind. Every time I look at these forged spreadsheets I find more deceit. They almost took our home with their greed and now they are threatening to take it again with their greed. We cant take anymore. Someone, please help us. When we did have escrow Ocwen wouldn't pay the insurance on time so it would cancel. Then we got charged hazard insurance. Its all a sick twisted game to them. Look at the emails from the insurance agents. They hate Ocwen. Everyone does. Phh is just their scapegoat and a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: KS

Complaint narrative:
Direct transfer of funds from XXXX XXXX to a bank in XXXX. Recipient unable to collect the money so Western Union cancelled the transaction on XX/XX/2021. Western Union assured me the funds would be returned to my account in 7-10 days. It has not been returned. I have made numerous calls and filed a complaint with WU. All to no avail. I have been lied to every day since the money was due. 

The initial tracking number is XXXX. The case number is XXXX. 

Today I got an email telling me the " transfer is complete and the money is ready to be picked up in XXXX!!! '' I am baffled by this behavior by Western Union. 
They have used every excuse to not return my {$8000.00}. They have my drivers license information, address, phone number, bank account numbers and I believe they have my shoe size now. 

I have double checked with my bank and there is no issue on this end. This a plain and simple case of fraud by Western Union. The money was to help a relative with a serious medical issue, which has only gotten worse. 

PLEASE HELP ME RECOVER MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX want all my personal information deleted that's not on my documents added.

Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: FL

Complaint narrative:
I and XXXX XXXX  have sent numerous letters to Transunion showing that the account that they allegedly claim that I had with XXXX XXXX XXXX XXXX was been reported inaccurately. We have asked them to delete XXXX XXXX XXXX XXXX from my credit report and they have failed to do so as the information been reported on my credit report as it pertains to XXXX XXXX XXXX XXXX is inaccurate. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( III ) and I requested there method of verification and they have failed to provide me with this. The law states that the credit bureau should ensure that the consumer gets a copy of the method of verification within 15 days after they got the request for it. According to the United States postal service Transunion got my request on XX/XX/2021. It has been more than 15 days and Transunion has not responded. It is illegal for a questionable item to be on my credit report and I asked the credit bureau for proof that this is reporting accurately on my credit report and they have failed, cant or wont provide this proof and this is a case of severe injustice for me. CFPB I am asking you to instruct Transunion to delete XXXX XXXX XXXX XXXX from my TRANSUNION CREDIT REPORT IMMEDIATELY. I am going to attaching with this complaint a copy of the notarized letter that I sent to Transunion and a copy of the certified receipt from the United States Postal Service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: SC

Complaint narrative:
Equifax Information Services LLC is continuing to list a fraudulent address and a fraudulent inquiry on my credit report. I have written them on several occasions and alerted them this information is fraudulent and have asked them to remove it. There is a fraudulent address from XXXX IL and a fraudulent inquiry from XXXX CRD SVC listed. I have written Equifax Information Services LLC on several occasions that these items are fraudulent and have asked them to remove them. They ignore me and never respond. Please make Equifax Information Services LLC remove this fraudulent information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MA

Complaint narrative:
My my wife was notified that her employer had two data breaches with in a year. She was notified XX/XX/2021. Upon reviewing credit cards XXXX  XXXX XXXX and Discover were listed on my credit report. Upon calling both credit cards companies to inquire about the credit cards on my credit report I was unable to resolve the issue. I requested the application and statements pertaining to both accounts. I did not receive either. I made a police report with the XXXX MA. Police Department report # XXXX. Both my personal checking accounts which are XXXX XXXX  and XXXX XXXX XXXX were also compromised with fraudulent activity. I closed those checking accounts after going to both banks. 
XXXX XXXX  had a fraudulent transactions. XXXX XXXX XXXX an attempt was made to purchase items. With no resolution from XXXX  XXXX XXXX and Discover I sent both companies a certified notarized letter requesting that both XXXX  XXXX XXXX and Discover verify this accounts on XX/XX/2021 neither company yet to respond to documents to validate my response with in thirty days. I will request a dispute with all three credit bureaus with a security alert in place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX. Received this random letter in the mail stating I owe {$5500.00}. MBNA AMERICA AMERICA BANK was sold to another corporation in XXXX, so that company does not exist as named on the letter. I am cleaning up my credit report which had years of false and inaccurate information in it, as far back as XXXX. It's been a three year project. I see on XXXX  that this business has pulled this scam on many many people. Once they get your personal information they constantly call your cell phone, constantly contact employer and threaten to sue you. I am on a fixed income. I am not going to respond to this company. I am certainly not giving them my telephone number, or any other questions they expect answers to. I have attached this form letter. 
Lately, I am getting junk emails and postal solicitations from random companies offering me credit related garbage. So either the credit bureau gave out my info or XXXX gave out my info. Both need to stop now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
They put my funds on hold and told me there was no reason it should be on hold after sending documentation & that it would be removed in 3-5 business days its been 2 months this is absolutely wrong then to have no explanation and still have my funds on hold I will never use capital one again after this & I will make sure I let people know what had happened to me. This should be against the law I will get a lawyer next if I have to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
XXXX  is reporting a loan that was paid off with Rushmore LMS as a foreclosure. I have disputed the remark in my credit report 3 times both with XXXX and with the lender and they continue to fault each other for the mistake. In the three occasions, XXXX  has removed the foreclosure remark only to reappear few days later. I have revisited with the lender each time and they continue to say that they are reporting the account correctly. Looks like I am trap in a vicious circle where the end result is that I get stuck with a " foreclosure remark '' that never occurred. On the opposite, the loan is paid off and I already received the deed of the property free of any liens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: NY

Complaint narrative:
So recently I had visited a Retail Store as I was shopping & attempted to purchase I was ask by store associate if I was interested in applying for their store retail card ( not credit card visa/master card ) if approve receive additional discount. I also asked if this would be soft or hard card? It was explained that Id recently applied & approved for three card lines ( drops points/hard credit checks ) after accepting credit. Also told told about previous creditor that misrepresent & given inaccurate information about their inquiring process for their store card which was disputed & later remove from credit report. So sale associate reassured me that this wouldnt be hard, but a soft credit to determine a line credit for their store card ( aka XXXX XXXX issuer XXXX XXXX  ). Also stated that I already had XXXX  ( which as used for purchase on XX/XX/19 ) card. But I was convince & mislead to believe otherwise ; that would be a soft credit instead of hard credit. So reluctantly applied for & was told that I will receive a letter via mail with a decision in response to inquiry. So to my dismay & surprise that it was in fact a hard inquiry happen apply which lead suspect she do retail store card, but store visa/master credit card which uses consider a hard inquiry. I already reached to XXXX XXXX  as well as all three credit bureaus about this incident that took place with to inquiring that was misinformed to me at the time. I was then told by XXXX issuer for XXXX XXXX card that they will process a compliant/investigation on my behalf as well as submitted it to all three bureaus to look into to get it resolved by removing off my credit reports. Since then after contact all three credit bureaus in order to follow up with about the incident regarding XXXX XXXX I wasnt reassured or confident that compliant would be taken seriously. Im even sure if there is a report on filed on my behalf about the misinformation & process to have inquiry removed. I think this incident should be further investigated & resolved in timely matter.

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