vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for XXXX and Experian has No date reported. 
The date of last activity for XXXX XX/XX/XXXX, for Experian XX/XX/XXXX, Date reported for XXXX XX/XX/XXXX, and Experian XX/XX/XXXX Date opened for XXXX XX/XX/XXXX and Experian XX/XX/XXXX Closed date for XXXX XX/XX/XXXX and for Experian there is no date at all. 

XXXX XXXX Last verified by XXXX XX/XX/XXXX, Experian no date, XXXX XXXX date, Date of last activity XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, The date opened is inaccurate XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, Balanced Owed is inaccurate XXXX {$5900.00} Experian {$5900.00}, XXXX {$6300.00}, Creditor Type : XXXX has Finance/Personal, Experian Auto Financing XXXX XXXX XXXX XXXX  XXXX this is inaccurate. 

Last Payment is inaccurate XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, Term Length XXXX 62 month, Experian 62 months, XXXX has no term reported, Last payment XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX Past Due Amount : XXXX {$1500.00}, Experian : {$1500.00}, XXXX : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You

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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: TX

Complaint narrative:
Received an email saying my phone number changed on a US Bank account, which I dont even have. Then the next day ( XX/XX/22 ) got an email from XXXX saying I had a new hard inquiry. I called US Bank and they said a XXXX XXXX credit card was opened but that they were closing it down. I called all three credit agencies and placed fraud alert on accounts.

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 2022-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Veripro Solutions Inc.
State: NJ

Complaint narrative:
My Complaint is against Veripo Solutions, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and maybe XXXX XXXX XXXXXXXX XXXX and XXXX if they had anything to do with this fraudulent claim. On XX/XX/2022, I was advised by XXXX XXXX XXXX. XXXX that their records reflect that XXXX was the master servicer of the loan. The loan was transferred to XXXX XXXX XXXX XXXX XXXX XXXX ) however, due to the delinquent status of this account, the account was referred to Veripo Solution XXXX XXXX XXXX for handling. XXXX XXXX stated in her letter that they do not service the loan and no longer have a record of the account ; however, in efforts to assist me they reached out to Veripo Solutions. XXXX XXXX from XXXX XXXX stated that Veripo Solution informed her that the increase in the amount owed is due to no payments being made for several years. Veripo Solution is a debt collector not a residential mortgage lender in the state of New Jersey. Since Veripo Solution is a debt collector they do not have authority to hold, transfer/sell a mortgage note. Veripo Solution nor XXXX, XXXX can collect interest rate on a mortgage loan since they are not residential mortgage lenders in the state of New Jersey. XXXX, XXXX 's Complaint stated that XXXX, XXXX was in physical possession of the Note of Mortgage which was allegedly in default for over XXXX ( XXXX ) years. After I filed a Motion to Dismiss counsel for XXXX, XXXX stated that they did not realize that they were not in possession of the physical Note they allegedly bought from XXXX XXXX. However, XXXX XXXX XXXX as servicer does not have custodial responsibility, they did not have any authority per the trust instrument to sell, liquidate, and/or convert the NOTE for its own personal gain. The documents submitted to the Court on behalf of XXXX, XXXX have never been verified. I am sure that the documents have been altered and are fraudulent. This company is seeking a payment in the amount of {$120000.00} from a Note which was initially in the amount of {$59000.00}. Counsel for XXXX, XXXX has never provided any original copies or any " true copies '' of the documents they state in their alleged file regarding my property. I have been provided with copies of copies that are redacted and altered in some form. I check with the XXXX XXXX XXXX and Insurance and verified that Veripo Solution is not residential mortgage lender in the State of New Jersey. I have never been advised that Veripo Solution was involved in the transactions of the alleged transfer of the Mortgage loan with regard to my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TN

Complaint narrative:
XXXX XXXX XXXX. Reporting inaccurate information. Duplicate account information, different opening dates. I am a victim of Identity Theft XXXX XXXX XXXX, need to REMOVE FRAUDULENT INFORMATION ASAP. Here is a copy of the Police Report Requested. Please remove within XXXX business days of this complaint date. Also, All three credit bureaus TransUnion, XXXX, & XXXX- Please remove asap. 

XXXX XXXX XXXX XXXX XXXX Account Status Closed Account Dates Date Opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XXXX XXXX Balance {$490.00} Balance updated XXXX XXXX, XXXX Original amount $ XXXX  Monthly payment- Past due amount {$490.00} Account name XXXX  XXXX  Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed I am attaching FTC Report, Police Report, Driver 's license

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 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Hello Digit, LLC
State: IL

Complaint narrative:
Hello, I am writing to you on this occasion because since XX/XX/XXXX I have not been able to dispose of my funds that are in the Hello Digit inc. digital wallet. 
Namely, I forgot the password to my Digit profile, so I contacted the Help at Digit administrators to help me access my account. They asked me for documents such as bank statements, deposit slips, blank checks, and personal documents issued by the state, all of which I did and submitted to them in emails in accordance with their instructions. However, since my problem was not solved, I contacted them again. They only referred me to other officials or computer-generated bots, who asked me for the same documents again and again and did not offer any solutions. Since I didn't get feedback from Digit about the status of my problem for almost a month, I tried to contact them in several ways, including through customer service, emails, and even through social networks, but I didn't get any response. I would also like to mention that the funds I have in their account are necessary for my everyday life, such as for reasons of health care among others. 
I am writing to you on this occasion because, as much as I appreciate their policy of privacy and protection of personal data, in this particular case it was carried out to the detriment of communication and customer services, and I do not receive any feedback on the status of my profile and I do not have access to the funds that I need and In this way, material damage is done to us, but also lost profit. 
I hope that through you I will be able to exercise my rights and that I will be given access to the account, and I am open to any kind of compromise and cooperation and I can provide any proof that is needed. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I try to resolve this issue with this company name Onemain They try to collect {$2800.00}, i ask for a more details and the costumer service was so agresive and rude it threat that my life is done that they will destry my whole life and on main time we on the phone he was in contact with a Sheriff s Dep to come and arrest me if i do not set up payments with them is like a night mirror time with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
So for the last year, I have been sending you documents and documents to each of the credit bureaus ( XXXX, Experian, XXXX ) regarding my name, address, and phone number is incorrect on my credit file. Because of this, I've lost deposits on homes, the ability to obtain business and personal loans, credit cards, and employment. I want you to correct my name and address on my credit file.. I am also seeking damages for lost income and lost the ability to obtain housing and consumer credit. My correct name is XXXX XXXX. I've never gone by any other name or variation of my name. Any attempts to procure credit under my name is fraudulent. My identity has been stolen multiple times and many variations of my name have been used. My Name is XXXX XXXX this is the only name I go by. My XXXX address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX. Please remove any other name or name variations and addresses or address variations from my file. Only leaving the aforementioned.

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 2022-12-01 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: NJ

Complaint narrative:
I sent a dispute letter via certified usps mail and it was received XX/XX/2022 @ XXXX I received a email on XX/XX/2022 @ XXXX stating it was received and they will not process my dispute. I called on XX/XX/2022 to inquire why and they told me they have no record of receiving my letter and do not know why i received that email. According to 15 usc 1681i- procedure of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I am a victim of fraud and identity theft. Someone stole my identity and opened up 2 credit cards and used these cards for purchasing. 
I noticed the first card where I became a Credit Card Statement from Genisis FS Card Services on XX/XX/2022 via USPS mail late evening. 
1 Credit card company : Genisis FS Card Services {$3400.00} 2. Credit Card XXXX XXXXXXXX XXXX XXXX XXXX {$3400.00} I immediately filed a Police Report on XX/XX/2022 in the morning - XXXX XXXX County Police Case # XXXX. 
I immediately froze all my Credit Information, filed Identity fraud theft reports, and disputed these 2 Credit Cards by XXXX, XXXX, and XXXX. I filed also an Identity Theft report with the Federal Trade Commission, XXXX XXXX XXXX, Social Security Administration, and the IRS. 
1. Credit Card Company XXXX Genisis FS Card Services- you can't call this company since a computer Voice wants first the Social Security Number XXXX 
I contacted both Credit Card Companies ( Genisis FS Card Services & XXXX XXXX XXXX XXXX XXXX ) via USPS Mail. I provided all the information I had- including a copy of the Police Case Number. 
All 3 Credit Bureaus XXXX XXXX, XXXX, and XXXX investigated and DELETED already both Credit Card companies from my Credit Reports. For all 3 Credit Bureaus, both of the Cases are closed. I have on all 3 Credit bureaus now an extended Fraud Alert for 7 years. 
Genisis FS Card Services is asking me now again to provide Copies of filed Identity theft, Police Report. I did send already everything via USPS on XX/XX/2022. 
XXXX XXXX XXXX XXXX XXXX send me a Declaration of Fraudulent Activity which I need to sign and send back. 
Both Credit Card Companies ( Genisis FS Card Services XXXX XXXX XXXX XXXX XXXX XXXX ) did not close these fraudulently opened accounts and want to make, after I send everything again, their decisions if I am responsible. 
I did not open these accounts and both Credit Companies have all the proof already from me and the Credit Bureaus. I highly appreciate that we can hopefully close this chapter in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: World Acceptance Corporation
State: TN

Complaint narrative:
World Finance Corp. Reporting inaccurate information. Duplicate account information, different opening dates. I am a victim of Identity Theft World Finance Corp, need to REMOVE FRAUDULENT INFORMATION ASAP. Here is a copy of the Police Report Requested. Please remove within 5 business days of this complaint date. Also, All three credit bureaus XXXX, XXXX, & XXXX- Please remove asap. 

WORLD FINANCE COXXXX XXXX XXXX Account Status Closed Account Dates Date Opened XX/XX/XXXX Account name WORLD FINANCE CORPORAT IDENTITY THEFT / FRAUD ACCOUNT Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XXXX XXXX Balance {$490.00} Balance updated XXXX XXXX, XXXX Original amount $ 316 Monthly payment- Past due amount {$490.00} Account name WORLD FINANCE Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed I am attaching FTC Report, Police Report, Driver 's license

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
So for the last year, I have been sending you documents and documents to each of the credit bureaus ( Transunion, XXXX, XXXX ) regarding my name, address, and phone number is incorrect on my credit file. Because of this, I've lost deposits on homes, the ability to obtain business and personal loans, credit cards, and employment. I want you to correct my name and address on my credit file.. I am also seeking damages for lost income and lost the ability to obtain housing and consumer credit. My correct name is XXXX XXXX. I've never gone by any other name or variation of my name. Any attempts to procure credit under my name is fraudulent. My identity has been stolen multiple times and many variations of my name have been used. My Name is XXXX XXXX this is the only name I go by. My XXXX address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX. Please remove any other name or name variations and addresses or address variations from my file. Only leaving the aforementioned.

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 2022-12-01 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:
So for the last year, I have been sending you documents and documents to each of the credit bureaus ( XXXX, XXXX, Equifax ) regarding my name, address, and phone number is incorrect on my credit file. Because of this, I've lost deposits on homes, the ability to obtain business and personal loans, credit cards, and employment. I want you to correct my name and address on my credit file.. I am also seeking damages for lost income and lost the ability to obtain housing and consumer credit. My correct name is XXXX XXXX. I've never gone by any other name or variation of my name. Any attempts to procure credit under my name is fraudulent. My identity has been stolen multiple times and many variations of my name have been used. My Name is XXXX XXXX this is the only name I go by. My XXXX address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove any other name or name variations and addresses or address variations from my file. Only leaving the aforementioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NOVA Financial Holding Company, LLC
State: AZ

Complaint narrative:
I was in forbearance through the CARES act back in XXXX. 
I entered a loan modification process with Nova XXXX XXXX / Nova XXXX back in XX/XX/XXXX. 
Made my XXXX trial payments XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. 
I submitted my notarized loan modification paperwork in XX/XX/XXXX. 
Monthly payments have been each month since XX/XX/XXXX- XX/XX/XXXX. 
I received " delinquency '' credit reporting from the 3 main credit bureaus - my credit report stated " XXXX days late '' - This information was inaccurate. 
I started investigating directly with my mortgage company the reasons this information was reported if it was not accurate. 
I was never later before or after entering the forbearance program. 
After several months from XX/XX/XXXX through XX/XX/XXXX attempting to fix this wrongful information reported to my credit. I had to contact XXXX  XXXX  in XX/XX/XXXX, the investor to for my loan. 
Fannie Mae contacted Nova Serving regarding this issue. It was until then that Nova Servicing started acting to try and assist. 
I ended my forbearance with Nova Servicing since back in XX/XX/XXXX ( after completing my 3 trial payments, submitting the final loan modification paperwork, and continue making my monthly payments up until XX/XX/XXXX ). 
I came to find out recently about 2-weeks ago that Nova Servicing had sent me the incorrect loan modification paperwork back in XXXX XXXX and that was the reason my loan modification process was on hold. 
I have been back and forth with the Nova Servicing center - because they originally made a mistake and 1st - reported 120+ day delinquency to the credit bureaus- and 2nd about 1 week ago reported my account as being in " forbearance '' - these 2 scenarios are not correct. 
I was reading about mortgage forbearance - in my situation my mortgage loan should not be reported as " account under forbearance '' since I have been making monthly payments since XX/XX/XXXX - Nova Servicing made mistake in their process, therefore, I do not think is reasonable that this servicing center made a mistake in their end, but yet they are affecting me tremendously by noting comments in my credit report that are not accurate. 
As of today XX/XX/XXXX - Nova Servicing is noting my credit report as " mortgage loan '' being on " forbearance '' - however, I have made several attempts to get this remove from my credit reporting as it is preventing me from refinancing and obtaining a new loan. Nova Servicing has admitted that they made a mistake by, reporting wrongful credit information and for sending me the incorrect loan modification paperwork.

I have made several attempts by email and phone message and have not received an answer as of today. Please help with this situation as it is affecting my quality of life.

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