vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mortgage owe XXXX due to signing up for a deferment while COVID was going on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: SC

Complaint narrative:
MY EQUIFAX CREDIT FILE SHOWS INACCURATE AMOUNT OWED TO XXXX  XXXX XXXX XXXX. THIS ACCOUNT IS PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There were several charges on my Wells Fargo XXXX XXXX credit card that I did not initiate or authorize. I reported the charges to the bank as soon as I discovered them. Wells Fargo sent e a new card, and initiated an investigation. An investigator called me after I received the new card. The investigator asked if I was in possession of the card. I misunderstood the question. I thought the investigator was talking about the new card they sent so I answered yes. Because of this Wells Fargo denied my claim.

I have submitted documentation including a police report, supporting my claim. The charges were made on two consecutive days. Some an hour from my home, and two others more than 6 hours away. Wells Fargo continues to claim the charges appear to be authorized by me, but provide no further explanation as to why they believe I authorized these charges. The card was lost or stolen, and I was not in possession of the card when the charges were made.

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 2021-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
The initial debt was with XXXX XXXX. The debt went to XXXX  XXXX XXXX agency XX/XX/XXXX. The debt was then sold to National Credit Adjusters. They are reporting an inaccurate date the debt when to collections. They are showing XX/XX/XXXX which is incorrect. This is affecting my credit as it appears newer than it actually is and now will not fall off for additional 3 years. I have tried disputing with the credit agencies and am not getting anywhere on that. They provide no documentation to support the date this account went to collection. They need to update the date to the XXXX date as that is when the account went to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within XXXX XXXX XXXX XXXX days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: SC

Complaint narrative:
MY EQUIFAX CREDIT FILE REPORTS THAT I HAVE A BALANCE OF {$8500.00} ON XXXX XXXX. I DO NOT OWE ANYTHING TO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: ERC
State: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an account showing on my credit file that indicates it's in dispute. I have requested several times for that verbiage to be removed. I AM NOT DISPUTING THE ACCOUNT. I called Equifax personally and they said it's not listed in dispute but when my lender spoke with the business side they said it was. I do not know which bureau is reporting this because the lender pulled a tri-merge but I need it removed ASAP. I am unable to refinance my house due to this error and if this is not resolved ASAP I will go to the States Attorney 's office to get this resolved. I am loosing so much money and this is putting a major hardship on my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Went to Hospital XX/XX/XXXX because of an accident which was not my fault and is still in litigations later receive a bill which was paid by my my insurance with a balance left of {$150.00}. In XX/XX/XXXX I receive another bill for {$2100.00} from Penn Credit my Lawyer sent all supporting document to the company to have removed they later sent to credit bureaus. The company continues to update the collection with the credit bureau we have disputed it 4 times and sent in supporting documents showing that I only owe the hospital {$1000.00} which was still in litigation because of a Lawsuit. XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX have been updated experian, XXXX  have removed from my credit but XXXX ask me to speak with the collection company which I have Twice and the consistently update the account as me owing {$2100.00} also they told me that the hospital share my information with them violating florida HIPAA LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: IL

Complaint narrative:
This letter is a formal complaint that Equifax IS NOT reporting correct info on my credit history. I am distressed that they have not included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. Add this positive account to my report XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

8. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


Failing that, these items should be ADD to the report as soon as possible. Please CORRECT this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: RGS Financial, Inc.
State: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
I returned my car to Nissan in XXXX. 
In XXXX of XXXX I received a bill from Nissan for the XXXX, CT local taxes related to the period of time after I had returned the vehicle Because XXXX had not filed the right paperwork to close out the account with the government, XXXX had billed the tax I contacted XXXX and was able to easily have the charges reversed, but was told that Nissan needed to request the refund. 
On XXXX I sent Nissan what they requested to process the refund On XX/XX/XXXX I confirmed with XXXX government that they had not received any request from Nissan I also contacted Nissan who said it may take several weeks for Nissan to request the refund.

At the same time, Nissan is continuing to send me letters demanding payment and has indicated they will put me in collections I do not believe it is reasonable or legal to request payment and put me in collections for a tax that is not in fact owed and is awaiting Nissans request to close out Attached is my transcript with Nissan from XX/XX/XXXX where Nissan acknowledges the key facts above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: NY

Complaint narrative:
XXXX XXXX had my contact information and instead of using it, chose to call my mother and pressure her. She said the debt was regarding my owned property ( it's not, it's a medical debt ). My mother called me to explain and I've since sorted the situation out directly with the billing company, the debt collection was rescinded. However, when I spoke to XXXX she was aggressive and lied several times. She told me that there's no way to know when the debt would be submitted to the credit agencies, so I should pay immediately - trying to pressure me into paying without researching the information or even receiving the billing information. She told me that we could postdate a form of payment and tried to pressure me into paying that way ( again, without giving me any of the bill information or time to reach out to the billing company directly ). XXXX likely knows the laws and was looking to skirt them for her own gain, but clearly has crossed at least one line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I contacted Radius Global Solutions a collection agency from XXXX on XXXX. They told me I had a small balance owing. I learned my account was in collection while visiting my doctor because I needed to have blood work, and was told I owed a small balance. When I spoke to representative from Radius Global Solutions, she told me not to worry because they did not report balances under {$100.00} to the credit bureaus. ( we pay XXXX all the time because my husband has XXXX and has XXXX XXXX every 3 months ). Apparently, this particular bill was overlooked, but why would this company boldly lie to me and tell me it is not their practice to report medical bills under {$100.00}?? This is a misrepresentation of the truth because they have been reporting me to XXXX  all summer long. I want them to own up to their word, and remove this paid collection off my credit bureaus report. This company gave me false info to collect a debt, which is against the law!

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed bankruptcy and all debts owed were included and discharged in 2019. I communicated this with the debt collection company ( XXXX XXXX XXXX XXXX ) and they stated it was was not. In the event that this is true, I did not obtain, apply or consent to this loan ( XXXX XXXX ) and therefore it was obtained as a result of fraud and should be deleted immediately. 

I also contacted all three credit reporting agencies and disputed these directly ; no action was taken. This despite me providing bankruptcy information which was discharged in 2019 ; and the debt collection being reported 18 months later after the original debt was successfully discharged.

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an account showing on my credit file that indicates it's in dispute. I have requested several times for that verbiage to be removed. I AM NOT DISPUTING THE ACCOUNT. I called XXXX  personally and they said it's not listed in dispute but when my lender spoke with the business side they said it was. I do not know which bureau is reporting this because the lender pulled a tri-merge but I need it removed ASAP. I am unable to refinance my house due to this error and if this is not resolved ASAP I will go to the States Attorney 's office to get this resolved. I am loosing so much money and this is putting a major hardship on my family

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an account showing on my credit file that indicates it's in dispute. I have requested several times for that verbiage to be removed. I AM NOT DISPUTING THE ACCOUNT. I called XXXX  personally and they said it's not listed in dispute but when my lender spoke with the business side they said it was. I do not know which bureau is reporting this because the lender pulled a tri-merge but I need it removed ASAP. I am unable to refinance my house due to this error and if this is not resolved ASAP I will go to the States Attorney 's office to get this resolved. I am loosing so much money and this is putting a major hardship on my family

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 2021-08-26 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: GA

Complaint narrative:
Due to Identity theft there are fraudulent entries listed on my credit report. I have notified the credit bureaus and I've provided a police report, however the matter has not been addressed by Experian. 

Addresses to be removed : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Accounts to be removed : 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 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I called mortgage company Loan Depot on XX/XX/2021 and spoke with licensed lending officer, XXXX XXXX ( XXXX # XXXX ). After speaking with XXXX I decided to complete an application over the phone with XXXX for a refinance of my current FHA loan to a conventional home loan. As part of the process XXXX informed me that a {$490.00} appraisal fee would be needed to appraise my home. I agreed and provided XXXX with my credit card information. My credit card was charged {$490.00} on XX/XX/XXXX and posted to my credit card on XX/XX/XXXX. The week of XX/XX/XXXX XXXX informed me that the appraisal fee would be higher and I would have to pay an extra {$210.00}. I informed XXXX that I did not agree with that because XXXX already informed the fee would be {$490.00} and my credit card was already charged {$490.00}. Please also note, I did not receive anything in writing about the cost of the appraisal fee, only information I received was verbal through XXXX. I informed XXXX that it was unfair, bad business practice and unethical to ask for more money especially since I had already been charged what XXXX quoted me, {$490.00}. I informed XXXX I would not continue with the loan application if I have to pay more money for the appraisal fee. XXXX stated they would reach out to their XXXX to see what could be done. On XX/XX/XXXX XXXX called me and stated I would have to pay the extra {$210.00} and it could be rolled up into my new loan. I told XXXX that I did not accept that and it is still unfair and not my fault. I informed XXXX that I no longer wanted to proceed with the loan. XXXX informed me to send an email stating I wanted to cancel and I would receive my refund in XXXX days. I followed up with XXXX on Monday, XX/XX/XXXX regarding my refund and XXXX informed me to " contact the appraisal coordinator ''. XXXX did not provide me a name or phone number of the appraisal coordinator. I then asked, " Who is that? '' XXXX then stated " Reaching out to my XXXX now! Help expedite this ''. I reached out to another contact that was on my application, XXXX XXXX, and XXXX stated they would escalate. XXXX also provided me a phone number to customer care and sent an email to customer care, today, XX/XX/XXXX. I also called customer care, today, XX/XX/XXXX and spoke with representative XXXX. XXXX informed me that my cancellation was received on XX/XX/XXXX ( 3 days after I emailed XXXX to cancel ). XXXX informed me that it takes 15 business days to get a refund and there is a process and nothing further they could do.

Company response to consumer: Closed with explanation