vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-22 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 made several legal contacts in attempt to resolve this matter and would rather request for this fraudulent account to be removed, simply because it was not done with my knowledge or consent. I am prepared to take legal matters if this account is not removed from my credit history. No one should have to deal with such nonsense and fraudulent activity, as though this pandemic isn't enough for crying out loud!

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 2020-08-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/20 I sent in a dispute to experian explaining that the date of last activity is incorrect along with so many other inconsistencies and they left this issue the same and updated it on XX/XX/20 with absolutely no changes and clearly the credit bureaus did not conduct their own investigation required by case law. If this creditor did update this information saying accurate then what that means from the evidence that I sent in is that they are not following e-oscar or Metro 2 Compliance because all information should report the same all across the board with this alone this account need to be DELETED FROM MY REPORT. Attached you will find the proof that letter was sent saying that their was discrepancies, proof that nothing was done about it and proof showing ALL the discrepancies highlighted in RED all across all 2 bureaus. 

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 2020-08-22 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: MS

Complaint narrative:
This complaint is not filed by a third party. 

XXXX and TransUnion are fraudulent on my credit accounts DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on my Acct # XXXX. XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # XXXX. 

These are fraud, I didnt benefit, apply for, and authorize these 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 explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: SC

Complaint narrative:
The Complaint is against XXXX XXXX XXXX they are attempting to collect XXXX for me that I do not legally owe them because my information was obtain without my knowledge and an account was open using my information without my knowledge and without my consent.This account has been placed on my credit and is hending me from obtaining variety of things do to the negative information they are reporting to the credit bureau.I have reached out to them several times with disputes and also phone calls and they have been refusing to fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
BSI Financial does not seem to be a reliable mortgage servicer for escrow payments. After I refinanced 3 months ago, they were assigned as my servicer. Around this time, my annual homeowner 's insurance premium was due. They underpaid the amount due by {$36.00}. This led to multiple letters from my homeowner 's insurance company threatening cancellation. I was finally able to get into contact with someone 25 days after the initial premium was due, and 5 days before the policy was scheduled to be cancelled due to non-payment on XX/XX/2020. 

BSI had the nerve to send me a letter that they would need to purchase homeowner 's insurance on my behalf due to the upcoming cancellation of my policy. 

The insurance company sent BSI a fax XX/XX/2020 to notify them of this, and I emailed XXXX on XX/XX/2020 after I was notified that the payment was not processed. To this day I have not received a response. 

In this email on XX/XX/XXXX, I also requested that they pay my property tax bill, which is due XX/XX/2020. No response. 

I sent a reminder email through the XXXX message center, but I can not access the record of the sent email due to the poor quality of the website. 

The whole point of escrow is to protect the lender against foreclosure due to non-payment of insurance/property taxes. I can guarantee I would be more reliable at paying the bills than BSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I purchased a gift card from XXXX XXXX  for XXXX. They then charged me twice in XXXX. XXXX XXXX refunded the XXXX amount and provided me with an email and code. I let them know that it was still on my card and they double checked and said it was refunded on their end. However Barclay Uber Visa says fraud dispute denied the claim and will not refund my money. I can not file another claim. I called XXXX and it is refunded on their end. This occurred in XXXX and it is know XXXX and I can not get a refund for them. I verified with XXXX XXXX  that only XXXX gift card was issued and the other one was refunded.

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 2020-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have contacted them several times about unapplied payments on my car loan. They are saying I never made my XXXX payment. Which I have sent over documentations of my bank statement my account tracking number and I have called numerous numerous times and Im getting nowhere with them. My bank says they got their money but Ally financial is saying they did not receive my money and they are porting it to the credit bureau that I miss my payment. On top harassing phone calls, Emails and text messages stating that my XXXX payment is past due ... Top of I have two contracts from the same company with different amounts

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 2020-08-22 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: WA

Complaint narrative:
I separated from my wife in XXXX after finding out she was taking out lines of credit and credit cards in my name without my knowledge. We divorced in XX/XX/XXXX. At that time she was awarded the family home and I signed a quit claim deed. I Had to file Chapter XXXX I clouding her and the family home for added protection. XXXX XXXX  was included and surrendered collateral on home. Everything has been fine until this year in XXXX when my bankruptcy fell off my report. Then Equifax reported this home on my report due to my ex wife being behind in loan payments. I contacted them as I and my new wife were trying to buy our own home. Sent them all this information and contacted XXXX. But both companies refused to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Over 1 year ago, there was fraud/identity theft on my capital one credit card. After this, the company would not let me access my card or any account information without receiving a copy of my drivers license, Social Security card, and birth certificate. The company would email me a link to upload these documents. Once uploaded, they stated that they would contact me and get everything fixed. I uploaded the documents. The company never did contact me after 60 days. I contacted them, and they said that they never received the documents. I had to re-upload the documents and again wait for their response. They again did not call or contact me, and again I contacted them which led to them saying that they did not receive all of the documents and I must re-upload everything. This same events continued into the beginning of 2020 when I finally had a representative that tried to figure it all out. At the end of 2020, capital one charged me an annual fee on this card, but did not email any statement regarding this fee or allow me access to the account so that I can check the balance. I was only receiving electronic statements, and received no statement prior to being charged the fee and no notification that the fee was on the card. I finally received a notification/email after the fee was over 30 days due and was totally surprised. I immediately paid the fee. Capital one also placed a delinquency on my credit report. Prior to this and afterward, I have had excellent credit and have never been late. After trying multiple times trying to contact capital one, since you must remain on hold for over an hour via phone, I was able to speak with a representative who told me that she could do nothing and I must write a letter to capital one. After writing the letter, and calling them again, they stated that they did not receive any letter from me. I disputed the delinquency through XXXX, and the 30 day delinquency was actually removed temporarily for about 60 days. After this, the 30 day delinquency returned back to my credit report to my surprise. After speaking with XXXX, they said that they could not explain this and that it was reported by capital one. They tried to dispute this delinquency again, but it remains on the report and capital one states that it is a valid delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22 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: AZ

Complaint narrative:
On XX/XX/2020, I contacted Experian in reference to a bankruptcy entry on my credit report with their company. I called Experian and a representative explained to me that the information was verified by the court listed at the bottom of the entry. I contacted the court listed, who explained to me they do not furnish any information to the bureaus and if they explained that the court verified data to them, that was false information. I then searched the laws of FCRA and I followed up in writing. I wrote a letter which is attached requesting information on the verification method they used to verify the information which is required to be furnished within 15 business days. 

As of XX/XX/2020, I had not received any methods of verification in writing from Experian. I did receive a generic printed letter stating the entry was verified by a 3rd company called XXXX with no details or proof included. On XX/XX/2020, I wrote another letter to them explaining again they indeed had incorrect information in reference to my report and I listed the entry along with the data that was incorrect and demanded they remove the inaccurate entry from my report. I also explained in the follow up letter, that I requested and needed to know how and with who they performed an independent investigation with instead of ignoring my request which is a violation of FCRA. 

On XX/XX/2020, I received a report from the company Experian named as the furnisher of data. XXXX does not provide any personal identifying information in the data they provided to me except a first and last name. I have attached the report they sent, the address listed in XXXX his incorrect, the SSN number is missing, the DOB is missing, the city of the entry is missing. A first and last name can not be used to verify someones identity. I sent Experian copies of the report from XXXX, and as of today XX/XX/2020 I have not received any follow up to the data provided to them that this is indeed incorrect and not verified to me. 

As of XX/XX/2020, I still had received no response from Experian providing the proof of method of verification. Per FCRA XXXX is a 3rd party company and can not be the furnisher of verification, verification must come from the original furnisher and the U.S Bankruptcy Courts in our nation do not provide that information to anyone due to federal law protecting consumers personal identifying information.

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 2020-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I have never received any correspondence from Wakefield & Associates in my name. I have never opened an account with Wakefield & Associates, nor have I ever received an invoice, or billing information. 

The only correspondence that has been sent to our household was addressed to my wife, regarding a duplicate billing error made my XXXX XXXX, that Wakefield & Associates is trying to collect on. After my wife collected, and sent to Wakefield & Associates, itemized billing information from XXXX XXXX XXXX, documenting the errors that they made, and XXXX did not correct. That issue is currently in the court system, awaiting trial, not the mediation company that Wakefield & Associates " suggests '' that she uses. 

Again, I have no account with Wakefield & Associates and owe them no money. However, even though my wife 's issue is currently in the court system, and I have no records with Wakefield & Associates, the Company has chosen to make false derogatory claims on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
* Issue 1- Experian systems showing " false negative '' in compliant 's credit security freeze status * Issue 2- Experian could not remove the security freeze in place because of the FALSE displayed  showing " no security freeze '' XXXX Damages : Causing extreme financial hardship/ losses to the complaint as the complaint could not refinance his high-interest mortgage loan. 

XXXX Case Details***************************** As of XX/XX/2020, an Experian letter to the complaint showed his security freeze was permanently removed ( Attachment 1/ page 1 ) As of XX/XX/2020, an Experian letter to the complaint indicated that his credit file did not display a freeze. ( Attachment 1/ page 2 ) On XX/XX/XXXX. XXXX the complaint complaining to Experian that the security freeze, in fact, was not removed despite it displayed " no freeze ''. Experian rep in the dispute dept. insisted there was no freeze. Compliant explained it is a false display in their system and the actual freeze is still in place. 
Complaint made repeated calls to Experian on different dates and times to let them know the freeze is still on. The rep could not " remove '' the freeze as the system " showing '' no freeze. 

On XX/XX/XXXX, the complaint 's banker trying to conduct a credit check on the complaint 's Experian 's credit, and the email message from the Experian Customer Care Rep confirmed the complaint 's file IS still under security freeze. ( Attachment 2 ) On XX/XX/XXXX, the compliant took a screenshot of his Experian membership screen and it clearing showing the security freeze is still on. ( Attachment 3 ) *********************************Action To Be Taken by Experian********************* * Resolve1 -Experian needs to address some of their systems showing " no security freeze '' was a false negative. The fact is the security freeze is still on. 

XXXX Resolve2- Experian needs to remove the complaint 's security freeze globally PROMPTLY as the freeze continue to cause extreme financial hardship on the complaint and his family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2020 I sent my initial dispute letters to you. Requesting you validate the information on my credit report and to DELETE the items that you can not validate. You failed to respond to that letter when USPS tracking shows you received this letter on XX/XX/2020. Tracking # XXXX In that letter, I included a copy of my ID along with a copy of my social security card. You had the audacity to send me a letter asking me to send in documents to verify my identity. which I did already. 

I sent you yet again, another letter saying you failed to respond to my initial dispute within the 30-45 days and sent you another letter on XX/XX/2020 stating since you failed to respond to my first request within the 30-45 you must delete any information you are not able to validate within that time frame. In this letter I sent you a copy of my original letter ALONG WITH a copy of my ID and my social security card. 

STILL you have the audacity to send me the same letter on XX/XX/XXXX requesting a copy of my ID and social security card, when I had send them to you in BOTH my previous letters. 

I then sent you another letter stating everything I have sent you before, and what you have sent me in return, even though I have been sending you a copy of my ID and social you still are sending me the same letter asking me to submit that information. In that letter I stated you have been using stall tactics to disregard my dispute by asking for my ID and social when they have been sent to you MANY times before with ALL of my letters. This was the THIRD letter I sent you regarding an investigation into my report. I stated in my last letter that I am keeping record of everything I have sent you and you've sent me. I let you know that failure to comply with federal regulations with credit reporting agencies are a serious violation of the FCRA and that I would not hesitate to report you to the CFPB so here you go. 

I sent you this third letter and you STILL SENT ME THE SAME LETTER ASKING ME FOR MY ID AND SOCIAL SECURITY CARD!!! when I already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo illegitimately charged me over {$500.00} in overdraft fees, did not provide any assistance to remove those fees, and proceeded to close my account without option to reinstate the account.

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 2020-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
I do not have all the documents in front of me but know that XXXX, HUD and XXXX XXXX   absolutely XXXX my family when applying for a loan modification that ended up putting us into a worse situation than we were in. They constantly said our document package was incomplete and had I us submit 8 packages. The only reason we got somewhere was because we got HUD involved and paid XXXX XXXX, at XXXX XXXX, {$1500.00} to assist! Eventually, we got a modification that added {$30000.00} to the principal, while maintaining same interest rate, and had us start over with a new, 30yr fixed loan? Unfortunately, there was no CFPB when all this was happening so we were financially handcuffed by all these companies who were performing fraudulent transactions or misleading consumers who were going through traumatic period of life. I lost my wife, job and XXXX in the process. I was put into a XXXX hospital for two months and came out defeated. The initial contribution to this time of my life was job loss but then was all due to me fighting to save my home!! In order to save it for a year or two, we were forced into a worse situation. Moreover, I lost this home for good a few years later because I couldnt afford it on one income and my wife was released from any payments on this house. I had XXXX small children to care for and had joint custody. I really hope my past trauma will result in some type of financial relief provided by these huge, awful and deceptive companies/banks that get bailed out when they run into financial struggles! 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH XXXX XXXX

Company response to consumer: Closed with explanation