vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: First Credit Services Inc.
State: VA

Complaint narrative:
First Credit continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that First Credit reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. I sent a letter to First Credit disputing the validity of their entry and the mere fact that they did not provide any written communication to me prior to inserting the entry on my report. 
This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me.

Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that First Credit has no intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not sending me notification prior to inserting this on my report, this entry must be removed from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovis
State: OH

Complaint narrative:
They are reporting false information about me XXXX XXXX. I have accounts that was used by someone and I didnt know who did it and I being held accountable for the account that i didnt use. My social security number is XXXX. Date of birth XX/XX/XXXX. My identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
They are reporting false information about me XXXX XXXX. I have accounts that was used by someone and I didnt know who did it and I being held accountable for the account that i didnt use. My social security number is XXXX. Date of birth XX/XX/XXXX. My identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
I decided to get my credit pulled due to a couple of bills. I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT EDXXXX XXXX {$88000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX   XXXX {$510.00} XXXX/XXXX  XXXX {$420.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$540.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX  XXXX  XXXX {$700.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX {$1500.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$450.00} XXXX/XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
I decided to get my credit pulled due to a couple of bills. I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT EDXXXX XXXX {$88000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$650.00} XXXX  XXXX 'XXXX   XXXX {$510.00} XXXX/XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$540.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX  XXXX  XXXX {$700.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX {$1500.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$450.00} XXXX/XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: AZ

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have made several attempts to have the following items removed from my credit report due. The following items are over the 7 year and I have requested they be removed with no success. Equifax. XXXX XXXX XXXX XXXX opened XX/XX/XXXX. XXXX XXXX opened XX/XX/XXXX. XXXX XXXX  opened XX/XX/XXXX. I have exhausted all attempts for help..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems had for some reason put a collection mark on my credit account for XXXX XXXX which I paid through a debt relief company called XXXX. For some reason Jefferson Capital bought it even though I settled and paid for it! I tried calling for them to take it off but person was being rude over the phone. I tried stating that it was paid and he just kept saying that it was not his problem and wanted proof. How is it my fault if they bought the debt off a company that did not tell them it was paid. Now they wont take it off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 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:
I believe I have been victimized by identity thieves and they have stolen my whole identity. I don't check or use my credit often but my son checked it for me and saw it was completely destroyed. When he showed me all the accounts that were reporting as belonging to me I nearly croaked. Please help me get to the bottom off this and rectify this more than serious matter. These are hard time and I could use the help with my credit to buy groceries and basic necessities now that we are no longer working. Please help us. 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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I believe I have been victimized by identity thieves and they have stolen my whole identity. I don't check or use my credit often but my son checked it for me and saw it was completely destroyed. When he showed me all the accounts that were reporting as belonging to me I nearly croaked. Please help me get to the bottom off this and rectify this more than serious matter. These are hard time and I could use the help with my credit to buy groceries and basic necessities now that we are no longer working. Please help us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: AZ

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: AZ

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
The Capital One Rewards card we have been using for over 20 years did not send us a new card this year. Our renewal date is XX/XX/2020 and we have not received our card in the mail automatically as we have for years. Called about it and they are stalling and will not renew our card. We pay our bills monthly, no problems. They have not sent us a new card so it looks as if they are going to dump us. Question one : Can they do that to a customer they have had for years. Question 2 : Why would they do that? We are Senior citizens staying at home because of the Virus and now we have no credit card to use due to no fault of our own. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
equifax account, XXXX/XXXX no. XXXX should have been deleted yesterday XX/XX/2020 from the equifax bureau report.the investigation was initiated on XX/XX/2020. 
it is a violation of the FCRA that the account still shows under dispute today XX/XX/2020. 
all proof of the above is attached.DELETE THIS ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I cosigned a car loan for my step son several years ago with Wells Fargo Dealer Services. He new he was about to pay it off back in XXXX of XXXX. He called Wells Fargo and got the pay off. It was a phone call so nothing in writing. He then had them take out of his account the amount he owed. In XXXX of XXXX I went to apply for a loan to buy a house. The banker told me I had a 90 day late mark from Wells Fargo on my credit report. I of course said no way that it was paid off. It showed {$2.00} was still owed. I did not receive a phone call or a letter telling me we still owed. So Well Fargo just kept turning it in to my credit report as late for three months. Once we knew about it my step son went to Wells Fargo in early XXXX to pay it off plus late fees. I called them to try to get fixed and they refused to do anything for me. They gave me a fax # to fax my dispute. I was not ever able to talk to anyone. I finally after about 5 weeks received a letter in the mail say that they would not fix it for me. Still cant get anyone to talk to me. I sent three fax, a certified letter and an Email. I am very upset as I am trying to build my credit and trying to buy a house and they don't seem to care. The thing that is crazy is after my step son paid off what he was told was the pay off he received a refund for over payment in the mail, so where did the {$2.00} come from if he received a refund.

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 2020-04-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been asking for help from Bank of America in resolving an issue. Bank of America refuses to move a lateness from my credit report that was allegedly 30 days late by a few days in XXXX. Apparently the adjustments to the to the Cares Act section 4021 makes it illegal for the Bank to report a derogatory on a credit bureau. This 30 day late is making it impossible for my family with young children, to achieve any financing to assist us through this tough period. 

There are a whole host of issues and defenses also that make this reporting inaccurate. I have spoken to BOFA multiple times and have written many emails and letters. I have never been late and have been a client for many, many years, the payment was on autopay, i brought everything current the minute I heard about this. I moved at the same time, never received a phone call, email, or anything..I really have never dealt with a ruthless organization like this and am hoping that this gets out to people that are having a hard time through this pandemic and find a bank that will have some sort of mercy with their fellow human beings in the future. People out there are really going through a tough time right now. If someone could give me a call it would be much appreciated. 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 non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I discovered that my lender had increase my monthly mortgage payment without sending me any notice or explanation of the charges. Today XX/XX/XXXX I called and spent over two hours attempting to resolve this matter. I initially spoke to a representative name XXXX ID XXXX who confirmed that there was increase however he was unable to verify exactly what the increase was for and informed me there may have been some errors. XXXX explained to me that he would be sending a request to his escrow department for review. I was not confident that this would be done because there was still no explanation of the charges so requested to speak to a supervisor. I was then transferred to a gentlemen name XXXX agent ID XXXX who immediately told me there was no error without reviewing my account. This was extremely frustrating so I requested to speak to his supervisor which he said was XXXX XXXX and that she was unavailable. I then called back in to verify that at least a request was being sent to escrow and spoke to another associate name XXXX who gave an agent ID of XXXX. The customer service I received was absolutely horrendous! No one could explain reasonably with a break down of where the charges occurred after the previous representative confirmed there may have been an error. I finally spoke to XXXX who was the supervisor and I'm still in disbelief that she's an actual supervisor. I will be filing a separate complaint and requesting the telephone calls to be pulled regarding the customer service received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
My father informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I started to investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown, suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX/XXXX XXXX {$470.00} XXXX XXXX  XXXX {$7200.00} XXXX XXXX   XXXX {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
My father informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I started to investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown, suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX/XXXX  XXXX {$470.00} XXXX XXXX  XXXX {$7200.00} XXXX XXXX   XXXX {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NC

Complaint narrative:
I previously sent two dispute letters to Experian disputing the negative items on my credit report but they sent me a response letter back on XX/XX/XXXX telling me that they won't we reinvestigate into the 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 2020-04-01 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: LA

Complaint narrative:
Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF THE WEST
State: MN

Complaint narrative:
I have received the pre-approved credit card offer from Bank of the West XXXX XXXX. The offer was 0 % Intro APR for 12 months on Balance Transfers and Purchases. However, the bank charged the interest rate on my XXXX credit card statement and telling me that the account has no such offering. Instead, the card is offering 15 months balance transfer only. Looking at the offering at here https : //www.bankofthewest.com/personal-banking/credit-cards/cash-back-credit-card.html, it is clearly saying it offers 0 % Intro APR for 12 months on Balance Transfers and Purchases. I've talked to the customer service and supervisor, and they kept asking my pre-approved with the code, which I do not have. I do not think anyone keeps the offer letter like that. Anyway, the act of this bank is deceiving the customer and charge the fee to the clients. Please audit this bank, and I do believe that this is definitely violating 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