vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$630.00} XXXX/XXXX   XXXX {$310.00} XXXX  XXXX {$8900.00} XXXX/XXXX  XXXX {$670.00}

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 2020-08-31 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX {$630.00} XXXX/XXXX   XXXX {$310.00} XXXX  XXXX {$8900.00} XXXX/XXXX  XXXX {$670.00}

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 2020-08-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo did not credit interest earned on a monthly basis and post the subsequent interest earned based upon those cumulative amounts as stated in the financial disclosures for the CD over a nearly 18 month period. Consequently, back interest accumulated is owed, according to the Wells Fargo Bank branch. Wells Fargo refuses to respond by correcting the error. The complaint that was referred to their corporate office originated from the local bank branch manager because they believed that the bank had made a mistake and back interest needs to be calculated and paid.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The CRA 's are reporting false Public Record information in my credit profile. 

RE : XXXX XXXX XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX CALIFORNIA Docket # XXXX After contacting the CA Bankruptcy court I was informed there were NO BK cases filed in my name. I was also informed that the " COURT '' and I Quote ... '' does NOT contact respond, or communicate with third party vendors '' This will include XXXX, XXXX  and TransUnion. Knowing this verifiable fact. I am puzzled that the CRA 's continue to " verify/ validate and account with out researching it according to the FCRA statutes. They are violating FCRA 611

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 2020-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: DE

Complaint narrative:
In XXXX of 2019, I purchased a four wheeler from XXXX XXXX XXXX XXXX located in XXXX Maryland and financed the atv through Yamaha Financing. While signing all of the necessary paperwork to finance, I was never informed of the interest rate, and the monthly payment. When asked I was told Yamaha Financing would be in contact with me. I then asked again if I could set up  direct deposit for my monthly payments and received the same response. After the purchase of the atv I called Yamaha Financing after being told they would contact me after they received the paperwork from the dealer that never happened and to my knowledge set up an account and added my credit card to the file to obtain the direct deposit without any worry. I was assured that everything was okay and that the direct deposit would have been handled after speaking to a representative and thoroughly setting up an account. They did inform me of the interest rate, monthly payment, etc, however this apparently was not done properly on their end without my knowledge. After I realized something was hitting my credit score drastically I did some investigation and learned the direct deposit was not going through after I was under the impression everything was set up and confirmed through the finance department. Immediately I took action and once again called Yamaha Financing and after transferring through multiple different people at this company they told me an account was never set up and that I had missed payments. To make the situation worse because I " supposedly '' missed payments they froze my account making me unable to look at it or pay until they did an investigation and only a specific person there could unfreeze it and it took more time, adding onto the late fees. I paid the late fees because I was more worried about my credit score and missing a payment although I feel as if it was not my fault, I was unaware and under the wrong impression after all with Yamaha Financing. After multiple phone calls, created and recreated accounts with Yamaha, and speaking to the bank I finally confirmed that my direct deposit was going through and made sure I then saw it coming out of my account each month, however, now it has left with a huge hit to my credit score which I see as unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I started a refinance process with Mr Cooper ( Nationstar Mortgate ) to  refinance my home mortgage. I started this process on Friday, XX/XX/XXXX with XXXX XXXX at Mr Cooper. On XX/XX/XXXX I was informed that I would have to pay an appraisal fee of {$530.00} to continue the loan process and no other information regarding fees or penalties. I received information on paying the appraisal fee over the weekend while I was out of town. 

On Monday, XX/XX/XXXX I spoke to XXXX at Mr Cooper and informed him I wanted to wait until Friday XXXX to pay the appraisal fee of {$530.00} in cash. He informed me at that time that if I did so, he would have to extend the lock on the loan and that I'd have to pay a {$600.00} fee in addition to the {$530.00} and " potentially a bunch of extra fees ''. He asked me to give him a credit card to pay the appraisal fee to prevent these extra fees or I had to cancel the loan. 

I asked to speak to his manager. He sent me an email with his manager 's information in the text. I called the associated number but it was a voicemail with another phone number to call. At this time I raised a complaint to Mr Cooper 's complaints department. 

At no point was I informed that I would have less than 24 business hours to pay the appraisal fee or risk additional, much larger fees. Mr Cooper threatened to cancel my loan process or charge me additional fees as a result of not completing their process in less than 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, Reference # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. XXXX XXXX XXXX  the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00}. CLIENT is in violation of Title 15 USC 16 SERVICES, INC 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Creditor failed to validate debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/2020, I disputed the problems on my credit file with TRANSUNION which I will be escalating to you today. I asked for the fake names as mistake in identity to be removed, wrong account reporting balances, accounts reported not mine and sought for validations. However, I was only pushed back all these agencies that they verified and valid with no proof. I also called them to see how and why they are doing this but to no avail. Now, i have no choice to have you intervene for me. why are they treating me like a number? I have now decided to show them what i need to be done based on the laws that protect me as a consumer.

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 2020-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
my mortgage was put on a forbearance .and they are reporting on my credit report that I am 5 month late.and they trafer my or mortgage to another mortagage compy name midland mortage and they been sending me threating letter of forucloser.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The CRA 's are reporting false Public Record information in my credit profile.

RE : XXXX COURT CENTRAL CALIFORNIA Docket # XXXX XXXX COURT CENTRAL CALIFORNIA Docket # XXXX After contacting the CA Bankruptcy court I was informed there were NO BK cases filed in my name. I was also informed that the " COURT '' and I Quote ... '' does NOT contact respond, or communicate with third party vendors '' This will include Equifax, XXXX  and XXXX. Knowing this verifiable fact. I am puzzled that the CRA 's continue to " verify/ validate and account with out researching it according to the FCRA statutes. They are violating FCRA 611

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I paid XXXX XXXX XXXX {$370.00} on XX/XX/XXXX in full satisfaction of my debt, as evidenced by my bank statement from that month. On or about XX/XX/XXXX, Wakefield and Associates, a debt collector working on behalf of XXXX XXXX XXXX, erroneously reported to the credit reporting agencies that the aforementioned closed out account was open and in default. I called and spoke to representatives of both parties on XX/XX/XXXX, after I first learned that my fully paid bill was sent to collections, and I was reassured that the mistake would be fully resolved. At that point I had no idea that Wakefield had made the erroneous report to the credit agencies. Yesterday, XX/XX/XXXX, I was informed by my bank that I will not qualify for a mortgage to buy a new home due to this fully paid bill that continues to be reported as unpaid on my credit report -- that's the first time I learned of the erroneous report to my credit. I called Wakefield today and was informed that XXXX XXXX XXXX still hasn't reported the payment of the bill to them. I called XXXX XXXX XXXX and they insist that they have reported the payment of the bill to the collections agency. Neither party is willing to communicate with each other to correct the erroneous reporting on my credit report and clear my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
The Mortgage company wont grant us a deferrement. only a forebearance and now XXXX XXXX we owe 2 months of mortgage XXXX times 2. i told them we have coronavirus and we have not been working. they are saying we owe XXXX and XXXX. they gave us a forebearance from XXXX to XXXX to bring all payements current, my husband contracted XXXX brought it home and all XXXX family member are sick now and have to be retested. this is the worst i called and they are not listening to me i said we have not been working and due to the cares act can we get a deferrement for 2 payments they will not grant it. we have no money and was very sick i have alot of congestion and my XXXX year old grandson his XXXX year old mom we all got sick from my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX HAS VIOLATED MY RIGHTS UNDER THE FCRA AND I WANT THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE PROVIDED A COPY OF MY IDENTITY THEFT AFFIDAVIT, REQUEST TO BLOCK FRAUDULENT ITEMS, AND A COPY OF MY POLICE REPORT, FILED WITH THE XXXX POLICE DEPARTMENT, AS A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS HAVE ALREADY BEEN REMOVED BY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Vendors can't seem to access my Equifax credit score. My attempts to fix this have lasted six years. Two different mortgage lenders have failed here despite no freeze being on the account and my having sterling credit with the other bureaus. I am locked out of Equifax 's website -- a common enough complaint -- and I am unable to verify my identity to get through their phone system. I have a copy of my credit report from XXXX, but no mortgage broker is able to access the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have written to TransUnion to dispute an XXXX credit card whose late payments listed on my TransUnion Credit report are over 7 years old beyond the time period allowed to exist on a credit report. Further I did also file a dispute withe XXXX  and with XXXX  on the same  information and that information and the record has been deleted from those credit reports but TransUnion still shows them on the report. I went to file a dispute online and their website will not allow an online dispute and only allows disputes by phone or by mail. They are the only credit company now reporting this information which is highly inaccurate beyond the legal time frames for reporting and making it so difficult to even file a dispute. Including when checking on the written I sent in they say they have no record of any disputes. They are completely disorganized and their records are not put to date.

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 2020-08-31 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: FL

Complaint narrative:
I HAVE REPEATEDLY CONTACTED THE FOLLOWING COMPANIES ... 
XXXX XXXX XXXX XXXX AND XXXX XXXX ALONG WITH THE CREDIT BUREAUS TO HAVE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT OR TO HAVE DOCUMENTATION WITH MY SIGNATURE SENT TO ME SO I CAN REVIEW THESE ACCOUNT EACH COMPANY HAS REFUSED TO SENT ME ANYTHING.

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 2020-08-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've contacted Equifax regarding this XXXX account on my credit report. I've disputed the information and they return stating the account is my account. I've asked for information and proof from them and received nothing but the account is my account. I've filed and FTC and Police Report attached to prove the account is not my account and they still continue to report the information. The Police Department has blanked out my name and address on the report for security reason and due to Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC has been informed of 2 disputes in XX/XX/2020 during covid wherein my debit card was charged by XXXX ( {$30.00} ) and XXXX ( {$100.00} ) without authorization. The bank is unable to gather additional information from the companies causing the money to be fraudulently taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one arbitrarily lowered my credit limit on XX/XX/XXXX, XXXX from XXXX to XXXX because I hadnt used it enough. I have an impeccable credit rating of XXXX which will be lowered due to this. I had planned to use this card to cover part of a very expensive cruise we were to take in XXXX, 2020, but the cruise was canceled. My wife spoke with Capital one today, and was told by a supervisor that the decision was final, could not be reversed, and nothing could be done. I am furious that my credit rating will be damaged by this. Furthermore, the supervisor informed me that this could happen to my other account, both of my wifes accounts, and that she would have no way to notify us until we received the actual letters, as I did today. This is reprehensible. Through no fault of my own, I am being penalized for being financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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:
I have been a victim of identity theft. There were unauthorized INQUIRIES on 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