vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX, XXXX, TX. XXXX XXXX : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response via e-mail via an alert I received online to a dispute ( XXXX XXXX XXXX, ACCT. # XXXX ), which was deleted/blocked by this creditor XXXX, XXXX, that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, CA 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 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Today II have contacted y'all to have some fees credited, but the agent told me she couldn't credit them fees for my checking and saving account because her system did not allow her to because I was issued a lot of credits for my saving account, and checking account in the past I need these fees to be credited back to me for my checking account XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS XXXX ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX XXXX PA ATM ID XXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX  CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} Total need to be credit is {$29.00} Saving account what needs to be credited is XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX ONLINE TRANSFER TO XXXX XXXX EVERYDAY CHECKING XXXX REF # XXXX ON XX/XX/XXXX {$1.00} Total need to be credit is {$10.00} Saving account number is XXXX and checking account number is 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 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I received a notice that I owed XXXX XXXX, a debt collections agency, {$350.00} for a bill I never paid with XXXX XXXX. I received a phone from said collections agency call a few days later saying that it is a disconnection fee I never paid to XXXX. I don't recall getting such bill in 2018 because we never had cable from XXXX. This is the third time XXXX XXXX has sent my bill to a collections agency in the last two years. I have disputed the collections to XXXX  each of the other two times, but they keep billing me and sending it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: PA

Complaint narrative:
My SSI benefit was to be posted on XX/XX/2020 However Social Security said they processed it and a direct deposit was made onto my direct express card!!!!! But where is it?????? It never made it on my card!!!!!!!!! Please help!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NC

Complaint narrative:
I called Elan Financial approximately 1 month ago asking why they still had not reported my credit card account as being closed. The agents both told me that I needed to write a letter to their Collections department somewhere outside of their company headquarters, because supposedly the two departments have nothing to do with each other. That explanation makes absolutely no sense whatsoever-if Elan 's regular customer service department has access to our account info, then that means they have the ability to communicate with their Collections department on their own. It is not the customer 's responsibility to fix his or her credit report. They obviously reported my account as late-they can go ahead and report the closure as well. They are the party who closed my account-NOT ME! By Elan refusing to report my account as closed, they are able to continue adding interest charges and late fees onto my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month I still can see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

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 2020-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: CBC Companies, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I applied for a VA, FHA, USDA and or XXXX. I was told by XXXX with Factual Data that their General Counsel told her Not to Release my Disputed Updated Credit Report, to-date I've Not received my Updated Re-scored Tri-merge from Factual Data so that I can further engage in the Mortgage process. Disputes consist of : Removal of XXXX  XXXX  XXXX ending # XXXX account doesn't belong to me, XXXX, ending # XXXX, this account has No balance, XXXX, ending # XXXX, account doesn't belong to me, XXXX XXXX XXXX XXXX , XXXX XXXX Not reporting, Loans number ending XXXX, XXXX are Not Reporting to XXXX in the Mortgage section of my Credit Report with effort to show that I never had a XXXX XXXX, nor PAID account Off in FULL, XXXX XXXX , ending # XXXX & XXXX, accounts exceeds the FTC 7 year Reporting period, Remove this XXXX. XXXX  XXXX XXXX, ending # XXXX, account exceeds the Federal Trade Commissions 7 year Reporting period, get this XXXX off as well, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has been reporting an account on my credit profile for a few years now. Since 2018 Ive been trying to receive debt verification from this company. They dont send physical proof of debt verification but continues to update to all reports as verified. How? This year alone, Ive mailed certified letters trying to get debt verification or deletion of account from all three credit bureaus. Ive used third party credit repair companies to contact Capital One ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). Ive emailed the CEO XXXX XXXX at two emails 1. XXXX and 2. XXXX. All attempts to contact Capital One have led to no response whatsoever to debt verification requests or deletion of this account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have had multiple phone calls with equifax because they tell me there is no credit history for me. This is untrue as I have multiple credit accounts with various credit companies as well as student loans. At first they blamed it on the companies I have credit with and said they arent reporting. So I called them both and they said that they have been reporting since the opening of the account. So I called equifax back and they asked me to mail in a letter explaining the situation as well as proof of my identity, which I did months ago. The issue still exists where I have no credit report or score with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Credence Resource Management has placed a collection on my my account claiming that I owe {$540.00} to XXXX. I have NEVER had any services with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/20, I contacted Wells Fargo XXXX XXXX XXXX to request they waive my escrow account per Wells Fargo Home Mortgage Form 3011, page 4 of 14, Number 3 Funds for Escrow Items, line 12. I went through qualifying process with a manger and was decline due to in forbearance. On XX/XX/20, I signed my Disaster Extend Modification. On XX/XX/20, I received a call from XXXX, Wells Fargo corporate representative XXXX to inform me that my request was denied. He stated Wells Fargo required me to hold an escrow account. XXXX XXXX XXXX  XXXX XXXX had no problem waiving my residential escrow account. Why Wells Fargo my rental escrow account? The answer {$21000.00}. I can save and pay my own home insurance and taxes at that cost. Are escrow accounts mandatory at Wells Fargo?

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 2020-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
My mortgage payment went up due to a tax increase. At the same time I received an escrow overage check. Way at the bottom away from the check I noticed later the next first of the month date with the new higher mortgage payment. Nowhere on top of check letter nor any previous correspondence was I informed through letter or email that my payment was going up. The only way I found out was a letter showing a late fee later. I pay my mortgage on the 20th of every month, 10 days early. Never late nor have I ever missed a payment. To me this is a scam. They sent out an overage check, because any overage in escrow over {$50.00} they do this. They are hoping you miss the new payment in small print at the bottom. My payment every month is made automatically, without any notice why would I change the amount. Now they want an extra {$140.00} plus the higher amount of mortgage payment. Not only that, they took some of my next months payment to fix the shortage and late fees not telling me they did so only to mess up the next month without telling me that month would be short hoping again to add late fees. This is a total scam to gain late fees and is not fair. I have contacted them and have gotten nowhere.

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 2020-10-31 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
In the beginning of XX/XX/2020 my wife and I applied for a mortgage the mortgage broker reported to me that something was on my credit .I investigated and there was a charge from synchrony bank for $ 6355.00.While investigating a person named XXXX XXXX took XXXX credit card out through Care Credit back on XX/XX/2020 in my name. This person spent the money at a spa called the XXXX XXXX in a suburb of XXXX XXXX Missouri. On this day I was working in XXXX, Wisconsin. On XX/XX/2020 I filed a fraud investigation form with synchrony bank. On XX/XX/2020 I filed a Police report with the XXXX XXXX Police department case # XXXX. In the middle of XXXX I contacted Synchrony Back to check on the status of the investigation, they stated that it was denied. The investigator said they would reopen the case and review it, I gave them the police report case # XXXX. In the beginning of XXXX I called again and the investigator told me it was denied again. So then I filed a report with the FTC and sent the report to them, I also froze my credit with the credit bureaus. In XXXX I checked again, it was denied again, synchrony stated they never received a police report so I resent the report. In the beginning of XXXX I received another fraud investigation form from them, I filled it out and sent it with all the forms, the police report, the F.T.C letters, and I had the police officer call synchrony fraud department and on XX/XX/2020 they denied it again.

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 2020-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: DC

Complaint narrative:
I made a money wire via my XXXX credit card for XXXX $ to a friend in XXXX using Western Union via their website- I opened an account for myself with them today just before this transaction 2 transactions were charged on my card instead on the single one I made. 
My bank thankfully caught that and cancelled the second fraudulent one. 
Western Union was showing both in their system as they were made by me. I had them cancel my account for safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX numerous times & was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX  XXXX XXXX Anything. 
XX/XX/2020 XXXX pm I was on an 18 minute call w/XXXX  to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX am I received an email from XXXX  stating the dispute was completed. I called XXXX  and was told the collection verified but no legitimate proof was ever provided by National Credit Systems or XXXX  to verify their false claim. XXXX  is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with XXXX  and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX  on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to XXXX  with no justified resolution. 
XX/XX/2020 XXXX XXXX  I was on a 21 minute call with XXXX  to dispute National Credit Systems and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to XXXX  online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or XXXX. XXXX  failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to XXXX  with no justified resolution. 
The same occurred with XXXX  when I previously submitted a dispute for this same collection agency. No documentation of verification was ever provided.

Company response to consumer: Closed with explanation