vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted Wells Fargo Mortgage to start the mortgage process. In todays competitive housing market, its important to combine a preapproval letter with the offer contract when bidding on a home. 
During my first conversation with XXXX XXXX XXXX Wells Fargo, I provided in depth and detailed financial data for approximately 2 hours. Since we all had Wells Fargo accounts it was easy to confirm balances and all payroll information was clearly documented through online portals. After completing the application, XXXX discussed the application with XXXX XXXX his supervisor and I received my first Pre-Approval letter for a house price of {$580000.00} and 20 % down. We put offers on two houses in XXXX  and 1 in XXXX. During the bidding process, we received pre-approval letters from XXXX XXXX at Wells Fargo for $ XXXX, $ XXXX, {$590.00} and $ XXXX. ( all attached ) Unfortunately, we were out bid on two of the houses, but the third one we were still in the running. In order to secure the house we would need to get a pre approval for {$620000.00} with 20 % down. After reviewing the ratios XXXX spoke to XXXX again and the two suggested sending the application to underwriting. I submitted all of the proper documentation on XX/XX/XXXX and 9 days later I received a call from XXXX telling me that Underwriting had made a decision and that we would only qualify for a {$300000.00} house with 20 % down. That is of course 1/2 of the original pre approval mortgage amount. What Wells Fargo doesn't understand or care about is they potentially exposed me to losing the earnest money if my contract offer was accepted. Since that day I have spoken with XXXX the supervisor and XXXX XXXX Area Manager and was met with weak excuses and the reminder that all previous conversations were recorded. I was told on XX/XX/XXXX at XXXX XXXX that XXXX would personally review the file with underwriting and get back to me. I was also told that Customer retention was going to call me so that we didn't move our accounts from Wells Fargo. How can there be such a disconnect between the front line Mortgage Consultant XXXX his Supervisor and Underwriting? It took 2 hours to provide all of the proper financial details to XXXX and most of it was either on my credit report and in the Wells Fargo account and Payroll portals. Additionally, I told XXXX XXXX Area Manager that I would be submitting a formal complaint with consumerfinance.gov. His response was that they already submitted a complaint on my behalf yet I have not received any email from their or any complaint department. As of this writing, XXXX XXXX  on XX/XX/XXXX I have not received any communications from Wells Fargo.

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 2020-11-11 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: CONTRACT CALLERS INC
State: GA

Complaint narrative:
In XXXX of 2018, I submitted a Fraud Packet to XXXX XXXX for ( 2 ) Fraudulent accounts that had been opened in my name, using my SSN # a year apart. I submitted a police report, tried reaching out to the Creditor ( Contract Callers ), who was very rude. I've also worked with XXXX XXXX XXXX who completed my fraud package for both fraudulent accounts. Two years later, there is STILL a mark on my credit report from this creditor saying : " Comment : Account previously in dispute - investigation complete, reported by data furnisher. Account paid in full for less than full balance '' This was NEVER my account and opened fraudulently using my SSN #. The historical data from the dispute on XXXX  shows that XXXX XXXX is the original creditor. Each time I submit a new dispute, I get the same answer. PLEASE help me get this account removed from all ( 3 ) credit reports! I have all documentation to support this ; including bank statements with my correct address at the time of the fraudulent account activity. Both times.

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 2020-11-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I periodically check my credit profile and noticed several inquiries that I don't recognize. Please remove the following off of my XXXX File : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I periodically check my credit profile and noticed several inquiries that I don't recognize. Please remove the following off of my XXXX  File : XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX 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 2020-11-11 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:
I am writing to dispute about a fraudulent charge on my account which is XXXX XXXX XXXX and XXXX XXXX Solution. I am a victim of identity theft and would like that the following account be deleted from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act

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 2020-11-11 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:
I am writing to dispute about a fraudulent charge on my account which is XXXX XXXX XXXX and XXXX XXXX Solution. I am a victim of identity theft and would like that the following account be deleted from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act

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 2020-11-11 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:
I am writing to dispute about a fraudulent charge on my account which is XXXX XXXX XXXX and XXXX XXXX XXXX. I am a victim of identity theft and would like that the following account be deleted from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: GA

Complaint narrative:
XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX XXXX, Ga. XXXX Dear XXXX representative, Step 1 : What is this complaint about? 
The complaint is about the fact that when I asked Equifax about how they verified the bankruptcy that they are reporting on my credit report, by writing a certified letter to Equifax, Equifax says that the courts verified the bankruptcy and when I contacted the courts and the courts just do not report any bankruptcies to the credit bureau at all. 

Step 2 : What type of problem are you having? 
Equifax is sending me the same letter over and over saying that the bankruptcy that they are reporting on me is from XXXX a third party they claim verified the bankruptcy and that the courts verified the bankruptcy too. However, attached is a copy of the letter that the courts sent to me saying that they do not report bankruptcies or give personal sensitive information out because they do not verify personal information. Also, Equifax says that they got the bankruptcy information from a third party called XXXX XXXX. 

Step 3 : What happened? 

When I contacted XXXX XXXX, they have removed the bankruptcies that they were reporting on my credit report. See attached letter please where XXXX XXXX has removed the bankruptcy. Also, Equifax is sending me duplicate letters saying the same thing that XXXX and the courts verified the bankruptcy, when it fact neither take responsibility for verifying a the bankruptcy that Equifax is reporting on my credit report. 

Step 4 : What company is this complaint about?

So, Equifax needs to remove the bankruptcy that they are reporting on my credit report because when I wrote them 3 certified letters asking to remove and delete the bankruptcy ( since they did not verify the bankruptcy ) but keep sending me the same letters 3 in all saying the same thing ; the courts verify which the courts say they do not and they keep saying that the XXXX did not in infact removed the bankruptcy that they had on my credit report. 

Step 5 : Who are the people involved? 

Equifax contends that the third party named XXXX XXXX gave the bankruptcy Information to Equifax, but XXXX XXXX has removed the Bankruptcy. Please see the letter that XXXX XXXX sent to me stating that they have removed the bankruptcy that they were reporting on me Please assist me in this very important matter and demand that Equifax remove the bankruptcy from my credit report according to the 609 fair credit reporting laws. 

Thank you in advance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This is about Portfolio Recovery trying to collect on a debt of {$630.00} that has been paid. Portfolio Recovery is reporting a Charge off derogatory debt on my credit report that I paid on XX/XX/2018. The original account number is XXXX. This is the same account number listed on my credit report. In XXXX I spoke with a respersentive from Portfolio Recovery and advised them that the debt they are reporting for {$630.00} is not correct and has been paid. My debt was original to XXXX XXXX for XXXX was being collected by the law firm of XXXX XXXX and XXXX. I paid XXXX XXXX and XXXX in full the {$400.00} I owed XXXX XXXX. The paid Authorization Code is XXXX and File # XXXX. I am not sure where the {$630.00} came from this must be fees attached to this account. I emailed Portfolio a copy of the paid in full letter from XXXX XXXX and XXXX and Portfolio Recovery stated their investigation revealed I still owe this debt. I disputed this with the Credit reporting agency and never received a response. This is what I called False reporting. I provided them with the paid letter and also ask if they contacted the law firm that collected my money. This entry on my credit report has stressed me out and prevented me from getting a home loan. This is not fair. I have attached the letter and a copy of my credit report to this complaint. They are aggressively trying to make me pay a debt that I have proven to them that I paid. This is not fair. Please investigate and delete this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I'm having financial hardship and I called to see If I could settle both of my debt accounts but the problem is that I'm being put to be handled on the Spanish department over the phone and I don't Speak Spanish that much to be honest, I'm guessing that they put me there because of my name which I understand the confusion but I'm not so fluent with Spanish to be honest, I understand the mistake that they made by placing me on the Spanish Department but when my husband was speaking with them he asked to be transferred to a domestic representative for some reason they keep trying to change the topic and not do our request by bringing something else up and trying to avoid our requests, at one point we had to tell the consumer service agent to take us to a local representative three times after she kept saying that she will transfer us to the Spanish department and so she tried which made my husband mad because we had been trying to contact with them for about an hour and we felt like they did not tried to cooperate with us and where just giving us excuses, that made us not want to deal with them no more, and even if they were to speak English I would not feel comfortable speaking with them. 

Also when we first called to a domestic representative we were told that my file had a Spanish code on it so only the Spanish department could access my file which is the main problem of this complain, We where also told by the Spanish representatives that that code had been already taken off but when we call a domestic representative for some reason they say that the code is still there and because of that they can't access our file and help us and I feel that they're trying to keep us on the Spanish department for some reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had the Paypal card for several years. 

I have always paid on time, never once missed a payment. I use the card regularly and have never had an issue until now. 

My account was closed. No reason was given other then it was a business decision. However, I had earned a substantial amount of cash rewards. These rewards can be redeemed directly into the corresponding paypal account. I usually redeem these rewards every few months, there is no deadline. 

When they closed the account, they seized the cash rewards I had already earned. These are not pending rewards, they are rewards earned from the last few months. Again, I have not been late or missed any payments on this card. 

I have no control over whether a credit card company wants my business. However, using the financial gain of seizing rewards I had already earned as a primary reason for closing the account is fraudulent.

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 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I never paid this credit card late. There are dates that the credit said I've paid late which is inaccurate. This is an error and I want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I bought a XXXX on XXXX and finance it with XXXX. In XX/XX/XXXX I got really sick and was out of work for about a year. 
XXXX repossessed the car on XXXX XXXX XXXX and is reporting the vehicle was repo in XXXX. Also XXXX and the collection agency are both reporting the same information on credit bureaus with XXXX incorrect information. I have challenged them more than a few time but keep on getting the same answer from credit burous that information is accurate especially Trans Union that doesnt help on anything.

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 2020-11-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I bought a XXXX on XXXX and finance it with XXXX. In XX/XX/XXXX I got really sick and was out of work for about a year. 
XXXX repossessed the car on XX/XX/XXXX and is reporting the vehicle was repo in XXXX. Also XXXX and the collection agency are both reporting the same information on credit bureaus with XXXX incorrect information. I have challenged them more than a few time but keep on getting the same answer from credit burous that information is accurate especially XXXX XXXX that doesnt help on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I bought a XXXX on XXXX and finance it with XXXX. In XX/XX/XXXX I got really sick and was out of work for about a year. 
XXXX repossessed the car on XX/XX/XXXX and is reporting the vehicle was repo in XXXX. Also XXXX and the collection agency are both reporting the same information on credit bureaus with XXXX incorrect information. I have challenged them more than a few time but keep on getting the same answer from credit burous that information is accurate especially XXXX XXXX that doesnt help on anything.

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 2020-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
i see credit inquiries from capital one on several dates. i will list the dates below 2 inquirys on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I bought a XXXX XXXX on a 3 years lease in XX/XX/XXXX from XXXX  XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX TX. At the time of signing the lease, The Representative named XXXX XXXX pushed us to buy XXXX  ( XXXX XXXX XXXX ) along with the monthly lease payments, adding an additional $ XXXX  monthly into the lease payments. I was already reluctant to purchase the XXXX  so two months later I went back to the dealership and asked them to cancel the XXXX  and adjust my lease payment so I can pay {$27.00} less every month. They told me we can not change the payment plan but you will be able to get this money back at the end of your lease. I asked them for a receipt or document as a proof that I asked to cancel the Protection plan, So they made me sign a paper, when I asked for a copy of that document I signed, they said No, we can not give you a copy, I insisted and they still wouldn't give me a copy. Then I said I am going to take a picture of this document if you don't give me a copy, and I took a picture. I have that picture and I am attaching it to the complain. 
Now the lease ended in XX/XX/XXXX and I went to the dealership and had the vehicle financed in my name. At that time I asked them to help with the refund of that money and the sales person said he will get back with me on that. Later on I called him and texted him, he returned the text saying he can not help me with that and I have to talk to a manager. since after that I tried several times to reach and talk to someone at the dealership to resolve this matter for me and pay the money I have paid monthly along with the lease payments for 3 years. Nobody responds to my messages and phone calls. I still have the picture of that document saved in my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource receivable is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, letters or notices about this debt and that violates my 30 day right to dispute.

Company response to consumer: Closed with explanation