vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 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: AR

Complaint narrative:
In XXXX of XXXX I reviewed my credit report and was in shock and disbelief after discovering an auto loan account that was never mines and also appeared to be reporting inaccurate data or information. I've reached out to Experian several times since XX/XX/XXXX with disputes ranging from dispute letters, Identity theft affidavits and a police report as the Federal Trade Commission suggest when you've been a victim of identity fraud. Upon researching laws under the Fair Credit Report Act I also realized that this account had not been blocked as per section 605b states once a consumer notifies a bureau he or she has been a victim of identity theft. In addition, how can Experian currently be reporting this account 180 DAYS PAST DUE IF THE ACCOUNT WAS 120 DAYS PAST DUE IN XX/XX/XXXX?? THAT IS OBVIOUS INACCURTE INFORMATION AND GROUNDS FOR REMOVAL FROM MY CREDIT REPORT ALONE. Experian seems to have simply ignored my information ( Identity theft affidavit and Police Report ) since this account still appears on my credit file. I find these actions unjust and deliberate violation of the Fair Credit Reporting Act sections 609 and 611. After submitting all the necessary documents to support my claim, this account should not be reporting on my credit file period. I am well educated when it comes to consumer laws and rights of the FCRA and for Experian to attempt to accuse me of using a credit repair company would be not only false, but a deliberate refusal to honor my request. I am filing this complaint in attempt to try to resolve this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
Greetings, The loan company is reporting a closed loan was included in chapter XXXX. This loan was not included and in fact paid in full and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Greetings, The loan company is reporting a closed loan was included in chapter XXXX. This loan was not included and in fact paid in full and never late.

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 2020-10-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: KEYCORP
State: MA

Complaint narrative:
I filed a dispute for XXXX for not receiving my refund for XXXX and for XXXX from the XXXX XXXX XXXX atm withdrawal not receiving my refund or cash withdrawal and Im not getting any help from the dispute department

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
This complaint is regarding Loan Care, goes by XXXX also. 
On XX/XX/2020, I had a fraud attempt on my bank account so XXXX XXXX made me close my checking account and open a new one. I had auto pay on my XXXX mortgage account to draft on the XXXX of every month and never missed a payment until now. XXXX XXXX told me they would honor any auto draft payments coming through the old account for 90 days. 
On XX/XX/XXXX, I went online to their website, since they will never answer the phone, and changed my address since I moved and updated my account number to the new checking account. 
By the time I received the late notice for XXXX, it was XX/XX/XXXX and I received it at my new address. I went online and saw that I needed to make XXXX payments, which I made and saw they accessed a late fee. 
I was furious, I tried to call them, left a message that was never returned and so I emailed them on XX/XX/XXXX for response. They responded and did remove the late fee on XX/XX/XXXX after I explained this was their error. I then asked if this was reported to the credit bureau and found out they did! 
I have been asking for a response to have the 30 day late removed from my report since XX/XX/XXXX and have sent several more emails since they don't answer the phone no matter what time it is. The last email from them was on XX/XX/XXXX stating they are checking into it. Their online system took the address change but didn't update my account info. 
I have NEVER had a late mortgage payment OR a 30 day mortgage late on my credit ever! 
I have heard nothing but bad things about this company and I have experienced that as well. They need to be investigated for unfair business practices and horrible customer service. They take your money, but will not help you. 
I am requesting your help with having the 30 day late removed from my credit file and as this has negatively impacted my score. I have worked very hard all my life to keep my credit score high and I am very upset that this company, due to their error, has caused me this trouble. 
Please help!

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 2020-10-20 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-10-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
XXXX XXXX per the instructions of select portfolio servicing, the title company withheld {$250000.00} from the proceeds from the sale of my house. This money was wired to select portfolio serving for a loan with {$0.00} balance and {$35000.00} in the escrow account. At my insistence the money I DID NOT OWE was returned to the title company XX/XX/2020 - without releasing the lien. The title company resent the {$250000.00} as reflected in the pay off statement. XX/XX/2020 select portfolio again returned the money to alpha title the company that closed the buyers of my house. At this time I have no idea where the money is from my proceeds of the Sale of my house. I believe this lien is for a line of credit to which I never agreed, received no value nor have any access to use. WHERE IS THE {$250000.00} NO ONE GAVE ME? This money was literally STOLEN from my proceeds by select portfolio servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have an AA Citibank Mastercard. I made a reservation in XXXX in XXXX for a XXXX trip. XXXX cancelled our flight. My XXXX  and I could not get to XXXX, then. Our reservation was refundable, as long as we advised the XXXX XXXX at least three ( 3 ) days in advance of our scheduled arrival. We notified the Hotel nearly two months before our arrival of the XXXX cancellation and the fact that we could not get to XXXX. The Hotel refused to credit our card, despite more than a dozen attempts. We contacted our Credit Card company to dispute the charge. The Citibank card gave the Merchant 45 days to respond. They gave us two days to respond. I dropped everything and submitted a four page detailed response. Citibank denied our Disputed Claim. When we called, they said they never received the dispute. I submitted the supporting information to Citibank 's provided email address and received a receipt indicating it was received. We called. Citibank said, oh, okay, we have it. After weeks they denied our dispute and said we need to purse the Hotel directly, which we did for nearly two months, to no avail. I called Citibank and they indicated they could not give us a credit until the Hotel agreed. I do know that is not the process. Citibank clearly was working for the Merchant and not us and we are out more than {$800.00}. We do not believe Citibank followed the law in handling this dispute and further, clearly were not there to protect our interests as their customer, but rather only wanted to help the Merchant we believe, so Citibank could keep its fee. We are outraged that we have a refundable reservation and can not get a refund. We would appreciate your help because after 4 months of fighting this, we are out of options and energy. Thank you very much. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, TransUnion and Experian CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-20 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: AR

Complaint narrative:
In XXXX of XXXX I reviewed my credit report and was in shock and disbelief after discovering an auto loan account that was never mines and also appeared to be reporting inaccurate data or information. I've reached out to Transunion several times since XX/XX/XXXX with disputes ranging from dispute letters, Identity theft affidavits and a police report as the Federal Trade Commission suggest when you've been a victim of identity fraud. Upon researching laws under the Fair Credit Report Act I also realized that this account had not been blocked as per section 605b states once a consumer notifies a bureau he or she has  been a victim of identity theft. In addition, how can XXXX  currently be reporting the last payment of this account was XX/XX/XXXX WHEN IT CLEARLYSHOWS THE LAST ONTIME PAYMENT WAS MADE XX/XX/XXXX?? THAT IS OBVIOUS INACCURTE INFORMATION AND GROUNDS FOR REMOVAL FROM MY CREDIT REPORT ALONE. Transunion seems to have simply ignored my information ( Identity theft affidavit and Police Report ) since this account still appears on my credit file. I find these actions unjust and deliberate violation of the Fair Credit Reporting Act sections 609 and 611. After submitting all the necessary documents to support my claim, this account should not be reporting on my credit file period. I am well educated when it comes to consumer laws and rights of the FCRA and for XXXX to attempt to accuse me of using a credit repair company would be not only false, but a deliberate refusal to honor my request. I am filing this complaint in attempt to try to resolve this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: V and H Portfolio
State: AR

Complaint narrative:
I previously disputed account on XX/XX/20, XX/XX/20, XX/XX/20 XX/XX/20 do to inaccuracies on credit report. XXXX XXXX XXXX {$2000.00}. They offered settlement but no verification of debt. Balance that the company is reported is inaccurate. Company will not remove from report or validate debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Warning : SCAM ALERT- please be aware that this is NOT a XXXX  Customer Service App for XXXX. These scammers got into my account and withdrew upwards of {$4000.00}. They took over your account remotely when I called this number. I was trying to inquire about my XXXX card that never arrived to my address. When u realized what was happening, I called my bank XXXX Bank of America XXXX as the hackers were still on the phone hacking my accounts.i spoke with a XXXX around XXXX on XX/XX/XXXX. She heard the hackers on the phone telling me not to report it to my bank, because they would return the money in three days. I directed the bank representative to freeze my accounts and stop all transactions at once within the last hour. XXXX passed me over to a XXXX in fraud after she assured me that she had cut the ATM services. To my dismay, I found out that transfers went through to XXXX and XXXX. They also sent funds to some fictitious accounts. XXXX told me that I may or may not get my money back. I felt this was not an accurate statement as a customer of 20+ years to this bank. I know my money should be protected under FDIC. I am not about to pay bills, put food on the table, or get gas for the remainder of the month due to Bank of America permitting this hacking to go through despite me calling them in the midst of it happening. They said they are investigating, and I will be contacted by a detective. I am working with the police and my bank to bring these crooks to justice quickly. I hope they credit my accounts back fully regardless. I need my funds to pay bills and eat. Please help. These transactions should have been stopped.

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 monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My mortgage loan is with Specialized Loan Servicing, LLC ( CO. ). 
I am currently in the process of applying for a mortgage refinance with XXXX XXXX XXXX ( CA ). The credit report XXXX pulled, reports my loan with SLS, LLC to be in Forbearance/Deferral ( under Covid-19 loan assistance ). This is incorrect. There was never a request submitted to SLS, LLC verbally or otherwise for Covid-19 loan assistance. I have made all my regular monthly payments on a timely basis.

The credit union can not proceed with the processing of my refinance until SLS, LLC confirms in writing that my mortgage loan is not under any forbearance or deferral agreement with them.

SLS, LLC has refused to issue this letter claiming ; since my loan is not in forbearance or deferral under Covid-19 there is nothing to confirm. SLS, LLC erroneously reported my mortgage loan to be under
a Covid-19 related forbearance/deferral. I do not understand why they can not issue a simple letter to my credit union confirming the erroneous credit reporting.

Your assistance in resolving this issue sooner rather than later is truly  appreciated XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Sometime on or before XX/XX/2020, we submitted a loss mitigation application seeking to retain our property. Wells Fargo didn't respond to our request until XXXX XXXX. See email correspondence between our legal counsel and the banks representative attached hereto. The email correspondence also reflects Bank 's counsel apologizing for the delay. The denial is dated XXXX XXXX although received on XX/XX/2020, and according to the document a homeowner may appeal within 20 days from XX/XX/2020. It appears on its face in that Wells Fargo Home Mortgage have engaged in Florida 's Unfair Business Practices. Denial letter must be sent within reasonable time so that a homeowner have the opportunity to appeal. In our case Wells Fargo provided notice of denial two months after its expiration so that there's no change to appeal. In addition, Wells Fargo failed to process the application accordantly as they failed to include all financial information provided to them. The denial reflects an allege monthly income in the amount of {$4800.00} when in fact our monthly income {$7600.00}. Wells Fargo didn't not include all of our income because it would have trigger an approval instead of a denial. These actions goes to the heart of Florida 's Unfair Business Practices.

Wells Fargo is a fraudulent servicer and everyone knows that expect for the Consumer Financial Protection Bureau. At this juncture we ask that you investigate this case and come up with a RESOLUTION it evident that Wells fargo have engaged Unfair Business Practices.

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