vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone or multiple individual use my drivers license and social to open a savings and checking account at XXXX XXXX XXXX XXXX. The checking was open with {$25.00} and saving {$5.00}. They also got a car loan for {$50000.00} from the XXXX XXXX. The way I found out is because I receive a debit card to activate so I went directly to one of their local branch located in XXXX XXXX, Florida : they show me the license and social use which is exactly what I have in my possession, my own identification. The loan was process online and that person XXXX signed the documents. They went to purchase a XXXX  XXXX pickup XXXX : the credit Union has the location and the car information where it was purchased. On the dealer application they use a different address and a phone number but use my driver license number. XXXX XXXX ignore the fraud alert on my credit unlike other bank they had call me during that same time period and I told them I didnt try to apply for anything but Now I have a car loan from XXXX  XXXX XXXX XXXX XXXX my credit. 
I have XXXX XXXX XXXX XXXX with a loan and hard inquiries and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my credit report. I never authorize any credit from none of them and surely did not inquiry a XXXX car loan. 
police report case XXXX and FTC reference 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 2021-11-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has been decreasing my credit score every other month based on old account that have been resolved and/or other information that I am not aware of. My credit score was dropped XXXX points in XXXX and then XXXX points in XXXX. 

I pay my extra on my credit cards every month and I am not behind on any of my accounts. 

Please investigate and review this issue. 

Thank you, 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 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the past week they have recalculated my score when there has been no new reports from creditors. On XX/XX/21 score dropped XXXX points I called and spoke to rep and he said he didnt see anything that would cause score to drop. He said it would be recalculated and should be fixed and it was it went back to XXXX on XX/XX/21. On XX/XX/21 it went down XXXX points. Nothing new had happened on account since it went up on XX/XX/21. I called in and an agent was naming off stuff that had been on account for years and I said that shouldnt cause it to drop as those things were there when it went up to XXXX. Then they said well give it a few days and see. Well that would mean they are recalculating scores more than 3 times a month which can severely affect credit and ability to get things like a house which Im trying to do. They pull credit at the beginning and end of buying and equifax just randomly and superfluously pulling scores or recalculating them and decreasing them erroneously when NOTHING has changed seems almost criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal credit union overpaid themselves on a mortgage closing so that they could collect money from me on another unrelated debt i have with them. They opted to transfer the money into a closed checking account instead of mailing me a check then debited the money immediately to pay themselfs. After calling them to ask why they got extremely rude and hung up on me. I belive they purposely did this overpayment by manipulating the closing documents and this should be looked in to much closer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
XXXXefferson Capital have been sending me letters stating I owe a debt that I do not owe. I have no binding contract with their company. I have never done business with Jefferson Capital. I have sent them letters asking that they validate the debt and instead they continue to send me letters giving me payment options to settle a debt that is not mine. This negative account is reporting on my consumer credit report tarnishing my reputation and its becoming depressing/stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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 opened an account with XXXX on XX/XX/XXXX and after speaking with XXXX, they stated they have been reporting this account to TransUnion since XX/XX/XXXX but TransUnion has never reported this good standing account on my credit report. 

Based on the FCRA all information on the consumer credit report should be 100 % accurate. 

TransUnion should add my XXXX account to my credit report and report all of the good paying history since the time XXXX has been reporting it to them which is XX/XX/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 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: OK

Complaint narrative:
Can not get through to someone who can help me login to make payment. Old login is not working and when I try to make a payment. When I call in, they tell me I should not be upset and are more concerned about my attitude then helping me. I spoke to someone who was very rude to me. I would be hung up on if I treated the employee the same way they treated me that way. This is absurd to be spoken to the way this company does.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: GA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I wrote Commonwealth Financial certified mail in which they received on XXXX XXXX and asked that they provide me with debit validation and hippa authorization. This account is false and misleading according to 15 US code 1692e. Commonwealth financial can not produce an original application from me to say that I am liable for this alleged debt, which Im not. According to Rule 15 it has to be the original application and they can not provide these documents. They are also in violation of 15 USC ( 1 ) of the Fdcpa for harming my reputation by putting this false and misleading account on my credit report. I demand this false and misleading account be removed from my credit report immediately since they are violating my consumer rights under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: PA

Complaint narrative:
On XXXX XXXX A dispute was completed with Orginal Creditor XXXX which resulted in the account being deleted because it was opened fraudulently. 

Here, I am again today with the same account on my credit report. Which violation # 2 of not completing a proper Investigation prior to furnishing information on my credit report. 

Not only did they commit the same violation it dropped my score it made it difficult for me to obtain financing. 

I spoke with XXXX on XX/XX/2021 and asked when a investigation took place and who was involved in Pursuant to 15 USC 1681a ( e ). XXXX was unable to to provide me any information of when and who the investigation took place with.

In pursuant to 15 USC 1681 A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph. 

XXXX told me under the FCRA they are required to report which in fact is not true and a misleading statement and another direct violation. 

Also, I did not receive the proper paperwork within the timeframes under the FCRA. 

My only option from XXXX was to dispute. How many times do I have to dispute until Transunion does there job? This affects people livelihood and shouldnt be allowed to happen repeatedly.

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 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I purchased a home in XXXX. I was very clear that because I was a teacher and on a very fixed income I did not want a adjustable rate. I wanted a fixed rate. I did not received my paperwork for the closing until the night before my closing. I was an adjustable rate. I called my Well Fargo Representative that was recommended by my realtor. I was never met my Wells Fargo Rep everything was over the phone. The said that she would work om it that night and come up with something fixed for the closing at XXXX XXXX the next day. She said that I had to be put into 2 mortgages, one for $ XXXX 6.125 % and a second at $ XXXX 8.843 % The finance charge is {$57000.00} it ends XXXX and I will have paid {$89000.00} on a for this second loan. 
I was crying when I closed. The Wells Fargo Rep never showed up to the closing. 
I have had modifications twice offered by Wells Fargo but they never help me. I have never missed a payment, I have asked to roll it into 1 mortgage at a lower rate but both times they did not. The last time was XXXX and they put me in a 40 year mortgage and then sold my first mortgage to another company so that they would not get caught for not helping consumers as they were supposed to do by law. 
I am still paying on the second mortgage at 7.25 % since XXXX  and I have only paid off {$8300.00} in XXXX XXXX. I still owe on my 1st mortgage {$100000.00} on the original {$120.00} in 15 years. Well Fargo has failed twice in the modifications when I was directed to them to rectify it. In all of my dealing with Wells Fargo Mortgage I have asked REPEATEDLY if I can come in and meet with someone to go over the paperwork to have them explain it to me and to answer questions. NEVER have I met Well Fargo representative in all of my dealing with three difference Well Fargo Mortgage situations. Never did the rep did not come to the closing when I purchased my home, to meet me at the title company, I could never meet with anyone in person for modifications. This was all PRECOVID- in XXXX. This is such a poor example of customer service, I do not trust Well Fargo and they have made owing and keeping my house a painful experience for the past 15 years. I am XXXX my job XX/XX/XXXX would like them to make and effort to correct this situations that should never have happened, especially more than once with your company.

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 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have sent 3 letters to Equifax requesting more information on 2 accounts that are listed on my account as collections. No information is provided regarding these accounts. 
NO creditor is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I started the re fi loan process with Loan Depot and the person I initially spoke to was XXXX XXXX ( Licensed Lending officer ) who took my information told me I would be able to qualify. I then scanned and emailed all necessary documents to him. This process started on XXXX XXXX. 
Then I get a call from XXXX XXXX ( XXXX  Incubation Manager ) and she was very professional and explained the process and if I had any questions to please contact her. 
On XX/XX/XXXX, I started another correspondence with XXXX XXXX, Senior account Manager who is requesting more documents which I emailed. She then tells me that I need to do a profit and loss statement. I told her I am a sub contractor and don't own a business and I use a 1099. She said a contractor is self employed and she said to look on XXXX profit and loss samples and complete one. Without this the loan could not move forward. I have never had to do anything like this for a refi. I am guessing this is just another attempt at bait and switch tactics. I am asking for the reimbursement of the {$21.00} fee for credit report and emailing and scanning fees from XXXX which amounted to {$34.00}. I told XXXX XXXX to have XXXX XXXX call me on XX/XX/XXXX and I will address my concerns to her, I have not heard from anyone from Loan Depot yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Hello, My deceased parents left my brother & I several Trust Funds being managed by Wells Fargo for almost 21 years. I have terminal XXXX and since XXXX have been asking the Wells Fargo to put in writing the account numbers with the account names which will pass down to my son after I pass away. They have sent me the account names but not the account numbers! They have shown preferential treatment to my brother, because he gives them more money from XXXX XXXX XXXX XXXX  The XXXX sales person / stock broker XXXX XXXX of Wells Fargo XXXX has verbally told me that my son will get about {$1.00} XXXX from XXXX trust and about $ XXXX from another but they refuse to put this info in WRITING! My attorney, XXXX XXXX of XXXX XXXX XXXX XXXX was also unable to get this info in writing.

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 2021-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
One of my loans is {$89.00} per month. The other loan is {$100.00}. I allocate {$150.00} per loan each month. Navient still allocates the way the payments are applied, even though I am paying more than the amount due each month. This keeps the interest adding up and the loan never seems to go down. Also, even though I am paying over the amount due each month, the interest continues to add up. I have been paying on this loan since XXXX and it is down to {$6000.00}, but it should be paid off by now. I am paying over the amount due each month so the monies I allocate for each loan should be allocated as such. It seems that all Navient does extend the loan so that it takes more time to pay it off. Navient truly XXXX. Please help. I have tried everything, but keep getting the same answer and that is they say the Federal Government is responsible for it taking so long to pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My Bank of America credit card was stolen and used at about 10 brick and mortar businesses and two online transactions. I issued a fraud claim with Bank of America. The card was cancelled and a new card was reissued. There were several new fraudulent online transactions that were initiated with the new card, That second card was cancelled and a third card was issued.

I reported this fraud to the local police, I put a freeze on my credit with the the three credit bureaus. I contacted XXXX, to whom I pay a monthly fee, and initiated a fraud alert. 

Bank of America has denied my claim, stating that they believe that the charges are similar to the charges I would have normally made. I have tried to dispute this, however, Bank of America 's customer service has put me on hold for over two hours. Each time I speak to someone they transfer me to another department where I am again put on hold.

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 2021-11-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX I am submitting this complaint myself and there is no third party involved.I have been patiently waiting on their response to the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent in XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: LEXISNEXIS
State: TX

Complaint narrative:
In XXXX Lexis Nexis didn't provide an update on the removal of the bankruptcy on my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I, XXXX XXXX am a federally protected consumer pursuant to 15 usc 1692A ( 3 ) which states that the term consumer means any natural person obligated or allegedly obligated to pay any debt. 
I, XXXX XXXX entered into a consumer credit transactions with Capital One Auto Finance on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Capital One Auto Finance made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXDate of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation