vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I pulled a copy of my credit report and notice the 3 major credit reporting agencies were reporting Lvnv funding collections account. I ask them to do an investigation because I thought it was an error on their part. The credit reporting agencies responded stating that the lvnv funding verified that the account is reporting accurately.

I wrote a letter directly to them asking them for the following information Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Full chain of assignments from charge off to present ( 7 ). If Purchase the debt from the original cre
ditor then proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract They responded with a computer generated statement a 15 year old can create as proof that the account belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened an account with Wells Fargo slightly over 4 months ago. Pre-Covid-19 Pandemic. They had a promotion at the time offering a {$400.00} dollar bonus if certain conditions were met, Including funding the account within a certain time frame, receiving direct deposits, keeping the account open, and so on. I met all of the requirements of the account, except for receiving a direct deposit totaling {$4000.00} over the 4 months. ( to be accurate, i missed the number by $ XXXX {$42.00} ( depending on the representative i spoke to ) The reason for this was due to the pandemic, specifically the local emergency orders prohibiting me from working. Due to this, the direct deposits in my account had to cease. I tried to call Wells Fargo to see if we could reach some kind of agreement. The representative over the phone was nice and seemed to agree with me, but after checking he said there was nothing they could do. I think this is unfair to consumers because no one could have foreseen the coming pandemic and the issues it would cause. Had they extended the deadline by just a bit longer, deposits would have began again. The branch by me was not even open at all times during the pandemic, making it impossible for me resolve the issue another way or speak to a banker. 

Furthermore, I am also concerned with an issue that I have specifically with Wells Fargo, when I go to ask for rolled coins, they are short changing the rolls and not providing the amount paid to them. I have ordered rolls of quarters ( {$10.00} rolls ) and on multiple occasions received rolls missing $ XXXX {$0.00}. This also applies to rolls of Dollar Coins. I have received rolls of dollar coins which contained a quarter in the middle of the roll. Several rolls have contained foreign currency instead of american dollars. I have brought this to the attention of at least two branches, one located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and another located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Most times the bank has rectified the error when i realize it when opening the rolls in the bank, but many times the missing money has only been realized once the rolls are in use, and the bank will not acknowledge fault in that case. The bank has said that the issue could be because they don't check the rolls that customers drop off. This may be  short changing people of thousands of dollars if occurring at a national level.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-23 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: NY

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Hello, I recently had a loan payed off with Caliber Home Loans. They charged for accrued interest on my payoff thru XX/XX/XXXX. I have proof from my new lender that the payoff wire was sent to Caliber before their XX/XX/XXXX cut off time of XXXX XXXX CST. They owe me {$29.00} one days interest. I spoke to their customer service area on XX/XX/XXXX, XX/XX/XXXX and they insist they received on XX/XX/XXXX. I think there business practices are deceiving and unlawful. Attempting to collect addl unnecessary interest days is incomprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SoFi Mortgage, LLC
State: IL

Complaint narrative:
I have tried to apply to refinance my mortgage with sofi twice. The first time the mortgage officer, XXXX XXXX placed me in a single family mortgage type, no points, and closing in XXXX. After two weeks of waiting XXXX informs me my house is deemed a multi unit by sofi and now I have to pay points or have a higher interest rate. I decline the offer from sofi as the points and higher rate did not make financial sense to refinance. Rates dropped again and I tried to refinance a second time with sofi. During the application process the website does not indicate multi family, therefore, I picked condo. XXXX doesnt contact me but I get an email from sofi that my docs are ready to sign yet nobody has contacted me and the information within wasnt accurate. I contact XXXX via email and was informed 3 days later that Im required to sign docs that I didnt agree to and arent accurate, and that I have to sign them before he can update them. I dont sign them as Im not signing legal documents that are inaccurate. He calls me, I email him letting him know that just like him Im working and XXXX either need to call me after XXXX cst or book time with me. I hear back that XXXX be out of the office the following day. I waited 5 more days, nothing from XXXX before then, and then a random phone call that my docs have been updated, but I havent spoken to him or agreed to anything. I email him and he sends me a screen print of one interest rate, apr and points over {$1000.00}, but thats my only choice. I reply that he doesnt get to pick a rate for me and that he either needs to call after XXXX cst or schedule time. Two more days, he calls before XXXX, I call him back, he calls me back, and After 2 mins is yelling at me when he informs me Ive picked the wrong product type, im in a multi unit, the website isnt confusing or deceptive and my product type is listed online. I hang up as he will not yell at me, I get screen prints of their website, email him, he sends an apology email telling me that Im confused, and proceeds to tell me to pick a 2 unit online even though he has referred to my product type as multi unit in both instances. Sofi website only states 4 product types for mortgage refinance ; 1 ) single family residence detached, 2 ) condo, 3 ) 2 unit, and 4 ) pud. There is not multi unit. Sofi is trying to increase their revenue stream by forcing consumers to pay points fees by deceptive practices of not defined product types, only providing a screen print of one rate, and yelling at consumers to bully them into their product types. This is not acceptable behavior.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MD

Complaint narrative:
AFNI has just placed a debt which I have disputed through the CFPB multiple times in the past and it was been removed by each previous collection company because the account is fraud. I am now going to also file a complaint with the Maryland  Attorney General 's Office of Consumer Protection as this is now, I think, the fourth or fifth time I have disputed this debt as fraud but then it gets sold to different collection agency and isn't being flagged as fraud. 

They don't even bother to send anything in the mail anymore because they know FDCPA and State of MD law provides me 30-days to dispute it, so they just buy it and attach it to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I was laid off due to corona and my lender found us. I currently have my mortgage thru the Colorado Housing and Finance. I did not need help at the time however requested information in case I would need it in the future. They put on my credit report that I was under forbearance and my credit score dropped XXXX points despite me never missing a payment preventing me from buying my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: CA

Complaint narrative:
i sent experian, XXXX, XXXX  a certified letter for a dispute into a few accounts that are on my credit profile falsely, including a bankruptcy that is not mine! equifax deleted all these accounts and sent me notifications that they did so. but experian, and XXXX  credit bureaus say they confirmed and verified that the information was accurate. I then sent another letter that i disagreed and to please re investigate, They failed to respond to that letter so 46 days later i sent my third letter asking to please send me information on how they verified and who they verified with. still no response from them and this is not ok as of now its hurting my character as a borrower.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Currently report me with negatively on my credit reports XXXX XXXX,2016 after I had to move out of my apartment due to an XXXX  husband. My husband was XXXX  me and he refuse to leave.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I'm unable to connect my account with an investment app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NY

Complaint narrative:
Information on my credit report is not correct. I do not recognize this information. This is identity theft and I need it to please be removed from my credit as soon as posible.

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 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I pulled a copy of my credit report and notice the 3 major credit reporting agencies were reporting eastern account systems inc collections account. I ask them to do an investigation because I thought it was an error on their part. The credit reporting agencies responded stating that eastern account systems inc verified that the account is reporting accurately. I wrote a letter directly to them asking them for the following information Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Full chain of assignments from charge off to present ( 7 ). If Purchase the debt from the original creditor then proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract To date I did not receive a response from them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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:
Someone in XXXX  and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
XX/XX/2020 I call synchrony bank for information about my account and they said that my account was sent to collection agency XXXX XXXX XXXX and the phone number that they give me is not available. 
XX/XX/XXXX I call again the Synchrony bank trying to see if they have another number to call but they give me the same one. 
XX/XX/XXXX I send email to XXXX XXXX XXXX the one i found online XX/XX/XXXX I got email from them saying they don't have the account from my debt. 
XX/XX/XXXX. 
Im done call XXXX  and they told me to fall complaint here to see what they can do. 
The disputes are saying to XXXX  that they have the account but it not true because if they have it I can be able to make the payments. The bank keeps reporting to my credit and its CLOSED but is unpaid and its giving me hard time to get house. PLEASE HELP ME.

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 2020-07-23 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: NY

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NY

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

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