vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 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:
In XXXX around the XXXX week I mailed off letters to the credit bureaus XXXX, XXXX, and Experian. I have been for sometime now trying to dispute negative items that I do not honestly recognize as mine and I do not know who they belong to. These companies have yet to validate their findings as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They have yet to validate anything. Because they have broken the law I would like to process this in a civil lawsuit  against them. 

I have made several attempts to correct this 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
Consumer complaint received 2020-09-04 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XX/XX/XXXX : Open new revolving account with XXXX XXXX. Wells Fargo is the holder of the account. XX/XX/XXXX : XXXX payment to Wells Fargo/XXXX XXXX is returned. Charged {$27.00} Fee for 'returned payment '. This was not effectively communicated by Wells Fargo. XX/XX/XXXX : Payment made on XX/XX/XXXX, for XX/XX/XXXX XX/XX/XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX Decmeber XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX XX/XX/XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX XX/XX/XXXX : No payment due XX/XX/XXXX : Payment made on XX/XX/XXXX for XX/XX/XXXX. Laid off due to COVID19 XX/XX/XXXX : Payment MISSED due for XX/XX/XXXX. XX/XX/XXXX : Entered forbearance on XX/XX/XXXX. XXXX payment was TWENTY THREE DAYS LATE. When I called to catch up my XXXX payment I was told that was unnecessary as I could pay it at the end of my forbearance. XX/XX/XXXX : XX/XX/XXXX, my accounts with Wells Fargo are closed due to non payment. They report my accounts as past due. 
XX/XX/XXXX : I call and cancel my forbearance, and pay my account to current and ask why my account was closed. I was told my account was closed due to non payment. XX/XX/XXXX : I file complaints with CFPB, and three major credit bureaus. 
Credit Bureaus say they're reporting what Wells Fargo is reporting. Wells Fargo doesn't respond. XX/XX/XXXX : I receive response from Wells Fargo reporting that they made an error in closing my accounts and have corrected it at the credit bureaus. Wells Fargo says they wont correct their mistake in reporting thirty day late notice to three bureaus as they feel strongly that their system is accurate. While I agree their system is accurate -- it doesn't match reality. I had an returned payment in XXXX that Wells Fargo didn't alert me to, or charge me a late fee for. Wells Fargo was only interested in collecting late fees from me versus alerting me that my account was consistently fifteen - twenty days late. Wells Fargo states they reached out to me but can not verify a single time between XXXX - XXXX in which they spoke to me about my " late '' payment in XXXX. XX/XX/XXXX : Account REOPENED without my permission, reducing my age of credit lines. Damaging my credit report again. XX/XX/XXXX : Reduced my credit limit to MAXIMUM Utilization. Further damaging my credit report.

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 2020-09-04 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: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint to you, the CFPB, regarding the debt collecting company named XXXX XXXX, they replied saying that they follow all legal rules regarding credit reporting however that is a false statement. XXXX XXXX, continues to report a 13 year old debt without providing any evidence that the debt has ever become due. The original creditor, XXXX XXXX XXXX, only has the original note dates XX/XX/XXXX ( 13 years ago ). XXXX XXXX XXXX does not have any ledger showing when and if this account became due. No documents to show the first day it was late. When I questioned XXXX XXXX, I was told that they have a date of XXXX however, they do not have any documentation provided that date. The only documents that XXXX XXXX has been able to provide me is the note dated the year XXXX ( 13 years old ). When I question XXXX XXXX, they simply say that I have to pay them or they will continue to report it to the credit agencies until I pay it. 

At this point I feel that XXXX XXXX, is extorting me by continuing to illegally report a debt without proper proof of validation. 

Experian is the only credit company who has chosen to continue to report this 13 year old debt, without asking XXXX XXXX for any documented proof of what they are reporting. 

This unfair credit reporting is not allowing me to obtain new credit and or employment causing me financial stress. XXXX XXXX needs to be reprimanded for extortion as they continue to tell me that if I don't pay it ( even though it has past the 7 years ) they will continue to report it.

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 2020-09-04 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hello CFPD, it has been more then a YEAR, Trying to Work with MORTGAGE/LADAR to  CORRECT-REMOVE in-Correct Information is Posted to my Credit Report. # as fallows XXXX 
XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX XXXX was my Original LANDER, My FIRST Payment was Due XX/XX/XXXX I PAID via Check Amount {$2000.00} But they SOLD my Paper to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Unfortunately. I never Got Credit from XXXX XXXX XXXX. in-spite. I provide them Several time Copy of Check was CASH on XX/XX/XXXX And it still Sowing on my Credit REPORT LATE/NO Payment. 
I have been Filing Dispute with USA XXXX. Finally I am seeking your Help to XXXX This issue/ I need HELP. 
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 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: NJ

Complaint narrative:
We have tried to have the bank process a modification application for us, for over a year now! We have sent several applications, the last pa jags was sent off in XX/XX/2020. Since we sent off the modification application, we have not heard from the back, neither by letter nor phone calls. We have been calling at least Ive every week in the past month, and everytime we call, the automated system asked us to hold and that we will be answered in less than one minute. However the wait had been from 1-2 hrs and each time we have to hang up because no one answers the phone. So we do not know what is going on, nor the status of the modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Today, XX/XX/2020, I recieved a letter from MCM threatening to take me to court if I didnt pay my balance. I had already spoken to them about not calling my spouse ( which they did without my permission ) and I told them I would contact them a few months later. So they are falsely accusing me of not being in contact with them, and threatening to sue me of a debt over a year old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
Approximately 10 months ago I contacted customer service numerous times over the course of a week. After unsuccessful attempts at an answer as to how to update my address to get a new debit card I was told what they had on the website was inaccurate. I then asked how to go about closing my loan with them because I could not access the checking or savings or even the investment account. They told me to send other documentation in order to do so. Ive been charged hundreds of dollars for their lack of response to close an account and are impossible to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I went to Wells Fargo, on XX/XX/XXXX, to submit an application for a business credit card for my real estate business. I received a call from banker, Ms. XXXX XXXX, notifying me that I have been declined because I am " soliciting too much credit ''. I spoke with the manager, Ms. XXXX XXXX, to explain I have my credit report and it shows two recent inquiries including Wells Fargo so how could I have been declined? She assumed the underwriters may decline someone for 3 or more recent inquiries and she will reach out to them to see what could be done and call me back.

After waiting for a month I decided to return to the bank on XX/XX/XXXX with the two credit reports used by the underwriters in hand and spoke to Ms. XXXX in person. She was able to see my XXXX  credit score was XXXX at the time of submission and that I had 4 hard inquiries within the last 2 years, two of those inquiries were on the same day, XX/XX/XXXX, for the same type of business and one other mortgage inquiry over a year ago in XXXX. Ms. XXXX was unsure why my business was declined and stated only the underwriter knows. I made clear that I am being discriminated against and the reason given does not match the actual facts on my credit report. Ms. XXXX stated she will see if I can file a complaint but I don't expect to hear from them per usual.

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 2020-09-04 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hi, I have one late payment on my account from XX/XX/2018that dropped my credit score 100 points. It is from an auto loan with Jp Morgan Chase, account number XXXX. My house caught on fire ( XXXX XXXX XXXX ), and we were forced to move, in addition my state was hit with two natural disasters. I had to stay in a hotel, and sometimes mail was being delivered that we did not receive. In addition, my state was hit with natural disaster When I called Chase to explain, they told me they would remove it from my account due to the circumstances. However, when I called back someone else answered and said they wouldn't remove it. I have a 99 % payment history with them, I've never been late and the one time I am has significantly impacted my score. Looking into mortgage it is showing on my credit and not looking well.

Please review the call and you will see that Chase told me that, all your calls are being recorded so Chase bank should have that call, stating the removal and I want Chase bank to honor their word. 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: NY

Complaint narrative:
My XXXX credit card was removed from my Equifax report. I have have tried numerous times with both companies to resolve this. Equifax told me in the last in XXXX and XXXX that they reached out to XXXX and they did not respond. It has affected my score for some time now. Its like talking to a robot. One company blames the other for the card being removed completely. Spent hours and hours on the phone making disputes in writing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: TX

Complaint narrative:
My credit was ran today XX/XX/2020 without my consent, when I called the company they would not tell me who ran it or why. Companies name is : XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( 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 2020-09-04 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:
These are not my accounts. Please remove them.

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 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gatestone & Co. International Inc.
State: CT

Complaint narrative:
I contacted Gatestone, a company contracted by XXXX XXXX to collect debts, through phone ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and email ( XX/XX/XXXX, XX/XX/XXXX ) in an attempt to reinstate my credit cards from XXXX XXXX. I was ignored on every email contact attempt despite confirmation of the email address from phone representative contact on XX/XX/XXXX. I was able to reach my " account manager '' on two of these dates, and was spoken to rudely and briefly. I spoke with the first level of support on the other phone dates. I was informed by my account manager that since credit card 1 was cancelled and it was beyond 120 days since cancellation, my account could not be reinstated. I called and asked about reinstating card 2 since it was close to 60 days and was told by level one support that it wasn't  possible ( for reasons unknown ) but I have spoken with XXXX XXXX and they informed me Gatestone should be able to reinstate credit card 2. I am requesting that credit card 2 be reinstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 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: National Credit Adjusters, LLC
State: LA

Complaint narrative:
National Credit Adjusters has placed a collection account from an original creditor XXXX XXXX. I have no knowledge of any accounts with XXXX XXXX. I have disputed this several times. After reviewing one of  my credit reports the speedy cash account was opened XX/XX/XXXX with a balance of XXXX. National Credit Adjusters has posted this account as a new collection that was opened in XX/XX/XXXX. It is illegal for National credit adjusters to place an account that they can not prove is mine and re-age the account to reflect as a new collection. National Credit adjusters are using illegal and unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a US Bank ReliaCard to access my unemployment benefits from PA and US Gov't ( even though I've consistently requested a Direct Deposit with each weekly unemployment claims ). I filed my original claim on XX/XX/2020 and haven't had ability to access my funds since. The delay in receiving my card was beyond believable. 

I can not access their website, even when I use the credentials I specified. NONE of my security question answers work, and even though the card is activated, I can not access my User ID and Passcode. 

I've reached out to US Bank consistently for 2 weeks and have not been able to connect with an agent once!!! I am regularly on hold for over an hour. My last attempt resulted in waiting on hold for 1.5 hours, only to be hung up on. 

I have no way to access over {$19000.00} in unemployment funds. I can not even request a PIN on my card since they will not verify my identity. This has been This is completely unacceptable and the fact that my funds were supposed to be direct deposited into my DDA, and instead I was issued this prepaid debit card ( which requires me to pay FEES every time I want to access or transfer funds ) smells like an UDAAP issue to me.

I'm sure this issue has come up during your quarterly meetings with their Head of Retail or Head of Payments, correct? Have you been  monitoring their call volumes, AHT, and call abondment rates during COVID?

Regarding the State of PA, I have evidence of repeated demands to have my funds direct deposited to no avail.

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 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
Several months ago I was made aware of a XXXX XXXX credit card opened in my name. I finally cleared it up just to find out that it was a XXXX XXXX account in my name from the same company. I have contacted XXXX XXXX several times and they are refusing to accept any information about this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have no idea why it says I have had a late payment on my credit card! Ive never missed a payment. I checked my credit and I have a late payment! I know I didnt miss a payment. Im going through a really difficult time making sure everything is payed for because Im trying to buy a house and I just loss my father due to covid on top of that being a mother of 4 has been rough. Please help me resolve this

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 2020-09-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lending Club Corp
State: WA

Complaint narrative:
I have no idea why it says I have had a late payment on my credit card! Ive never missed a payment. I checked my credit and I have a late payment! I know I didnt miss a payment. Im going through a really difficult time making sure everything is payed for because Im trying to buy a house and I just loss my father due to covid on top of that being a mother of XXXX  has been rough. Please help me resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: ID

Complaint narrative:
I am refinancing current 1st and 2nd mortgage. The process requires payoff statements. The 2nd mortgage is with Discover Home Loans. My lender for the refinance attempted on XX/XX/XXXX to obtain directly on their own. Discover would not release, which the lender stated this is a common problem with Discover. I called on XX/XX/XXXX and requested a fax and for it to be mailed. Have not received fax, which was promised within 48 hours and the mail is stated to take 7-10 days which also has not been received. Also attempted to obtain online but states it needs special handling. New lender contacted me on XXXX stating they have yet to receive. So, I call again to request. Confirmed prior fax but asked for a new number. Had to insist they fax rather than mail. They stated it would be provided within 20 minutes. It is now XXXX and still no receipt. This is the final item needed to proceed to issuing the closing disclosure. Closing is delayed and is now costing money as the refi is at a much lower rate. In aggregate, will save over {$500.00} per month. Feel for other borrowers that are being treating in this unacceptable manner.

Company response to consumer: Closed with non-monetary relief