vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
Rushmore sent me a check saying it's refund of overpayment to escrow. I took the check to my banks ATM and deposited it and then the bank said I was committing a fraud and closed my bank account. To fight back I pretty much demanded a letter from Rushmore stating the check was not a fraudulent check to take to the bank. They said they would send a letter stating this and I still don't have a letter and it's been a week now, since I spoke to a manager. I told them at that time to never send a me check ever again and to put any overpayments towards principal, now I'm getting a calls saying the check has been cash and I need to sign a statement saying I didn't commit fraud with them before they will post the money to my loan. That check has not been cashed the bank refuses to give it back and are investigating me for fraud because of the poor quality of the check. Rushmore are a bunch of crooks, now I am loosing on the interest that I could have been saving on this loan everyday this goes on. Being called a fraudster by these XXXX  and my former bank XXXX XXXX, and still no one is taking responsibility for what they have done to me. I want these people off managing my loan, they are liars and crooks. They need to be investigated thoroughly and there business practices reviewed closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - THIS IS NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 


( XXXX ) XXXX - not my number ( XXXX ) XXXX - not my number XXXX XXXX XXXX not my name XXXX XXXX- not my name XXXX XXXX XXXX- not my name XXXX XXXX XXXX XXXX- not my name XXXX XXXX  XXXX - XXXX - THE DATE OF LAST PAYMENT IS DIFERENT IN ALL THREE CREDIT AGENCIES, REMOVE LATE PAYMENTS. 


XXXX XXXX - XXXX - this account does not belong to me XXXX XXXX - XXXX - this creditor does not own this account. 



XXXX XXXX/XXXX- XXXX - I was never late on this account. 



XXXX XXXX - XXXX - paid, never late. 



XXXX XXXX XXXX XXXX - please send me the docs that prove that I was ever late. 



XXXX XXXX XXXX XXXX XXXX - XXXX - remove due to inaccuracy - I never paid late. 










XXXX, XXXX - XXXX - The original account was never verified ; how can this account continue to report on my credit? This is unlawful reporting and unless I can see your proof, this must be removed immediately XXXX XXXX XXXX XXXX - XXXX - This account is outdated it should have been removed automatically and yet, it shows as if its a new account! 
XXXX XXXX XXXX XXXX - XXXX- Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact! 
XXXX XXXX XXXX XXXX - XXXX - Why are there are late payments reported on the original account after it was sold to a collection agency? As far as I see it, that would make the account inaccurately reported, right? 

XXXX XXXX - XXXX - The original account shows late payments AFTER this account was sold to a collection agency. This account can not report on my credit file 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 2021-10-28 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:
HELLO I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL FRAUDULENT INQUIRIES FROM MY CREDIT REPORT HERE I LEAVE IDENTITY THEFT GURDAR ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
HELLO I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL FRAUDULENT INQUIRIES FROM MY CREDIT REPORT HERE I LEAVE IDENTITY THEFT GURDAR ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
HELLO I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL FRAUDULENT INQUIRIES FROM MY CREDIT REPORT HERE I LEAVE IDENTITY THEFT GURDAR ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I recently applied for a refinance on my home and was alerted about a collection account. I reviewed the report and found an error. I disputed the collection account because : 1 ) I have never had an account with Wakefield & Associates 2 ) Wakefield & Associates refused to give me information about the XXXX XXXX account. 
3 ) I have never had an account with XXXX XXXX and/or ANY of their doctors or staff. 
4 ) I have always carried proper medical insurance.

5 ) I have always paid the insurance company my portion of any medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I submitted a claim to Wells Fargo Bank. After XXXX gave me a refund for a cancellation that I canceled well within the time limit. But the the next morning they took the money again it was {$650.00}. I contacted XXXX about the problem didn't get any assistance. At that time I summited a claim with Wells Fargo Bank. They temporarily adjusted my account for {$650.00} But now 3 months later on around XX/XX/XXXX the bank reversed my claim and I kept contacting the bank spoke with several bankers they said there was nothing that could be done because the claim was closed. I then called XXXX and asked for a refund again didn't get any answers. I then called the Bank again and asked to speak to a supervisor supposedly the bank connected me with a supervisor. The lady whom I spoke with started reading to me the information XXXX sent in and said it wasn't readable and said it looked fraudulent. So she claimed she was going to open a new claim but when I called to check on the claim the bankers said there was never a new claim opened. I also called XXXX back and informed them I spoke with a bank supervisor and the supervisor said the form they sent in their defense looked fraudulent and wasn't readable and I told them I would get the federal government involved if I had to. At that point they agreed to refund my money in the amount of {$650.00} which they said they will on XXXX XXXX  because the XXXX host is having financial difficulties. Now Wells Fargo keeps giving me overdraft fees for a mistake they made. I also have the screenshots in my phone where XXXX agrees to refuse my money. I have reason to believe someone in the claims department at Wells Fargo Bank is working with someone at XXXX to steal money from customers 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 monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Back in XXXX a credit card was opened back in my name. This card was used over the last 5 years without my knowledge until it closed in XXXX. I had no knowledge that my credit was being utilized. For years now my credit has been used wrongly and this one tops the charts. The debt for this capital one card is above XXXX. When the card was opened I didnt live at the address where the card was sent. I lived in XXXX. Ive tried to resolve this issue over the year and it has been quite hard to resolve. I simply just ask for the the signing agreement and statements from the beginning to understand what has happen however they have yet to show that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was under the pandemic relief program. In the beginning of XXXX I had spoken to my mortgage company and I was told that I need XXXX to submit a loan modification form online. This was when the issues started. I had made mistakes on the form so I allowed the form reset itself after 7 days because the form would not allow for changes I did not finish it. The modification form was very unuser friendly. 

I again tried to redo the form and the same thing happened. Then one day I get a call from someone else at the company and he saw that there was no way to go back and fix mistakes on the form. He told me that he was going to cancel the request and advises me that I would have to wait several days to log back in and try again. 

I waited several days and logged back in. Thats when I found that this man did not in fact cancel the request but instead submitted the form with the incorrect information. Numerous phone calls to my dedicated loan specialist went unanswered and no return calls. We are now almost to the end of my pandemic relief protection and I am no closer to an answer as to what my next step. I feel like USAA is purposely making this difficult in order for them to take my home. 

I can afford to make my regular monthly payments however, I can not afford the amount due from the times of the pandemic relief. How is that relief if they continue to rack up past payment? I am a single mother with XXXX and this stress is causing me major anxiety attacks because I am I. Fear of losing my home. I am a 100 % XXXX veteran and went with USAA because they claim to be for military and veterans.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 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: TX

Complaint narrative:
I have tried to dispute a debt and provided proof that the debt is settled. The reporting agency did not resolve what is being reported instead they put a temporary freeze so that I can not dispute it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My original complaint to CFPB was in opposition to XXXX score of XXXX which appeared to be affected by a none update of my credit card account with XXXX XXXX paid in full to leave a credit of {$7800.00}. The site showed a balance of around XXXX.. I recently checked my FICO due to an alert from XXXX and my credit score has been dropped to XXXX without incidence or contact from XXXX or its response to CFPB since filing. I have authorized " no hard pulls '' on my credit. There remains a fraud alert on my account and the agency would have had to contact me to obtain such a hold Equifax was good and on XX/XX/XXXX I, discovered through XXXX XXXX that my credit score of XXXX on XX/XX/XXXX was decreased to XXXX without incidence! I noticed an unauthorized " hard pull '' on my credit. The credit union that I was inquiring about funds to pay staff assured me that the " inquiry '' would not affect my credit score! I was unsuccessful in downloading a free copy of my report due to site not allowing the download to compare to XXXX download. This morning it refused to provide a report. There is no accountable difference to have affect my credit score and decrease it to XXXX! I have attached the XX/XX/XXXX credit report. I have not authorized any hard pulls. There remains a fraud alert on my credit reporting accounts and the agency would need my permission to pull such a report I updated the information on my XXXX account concerning the addresses that I never resided and now I receive a bombardment of solicitation with most recent informing me that my credit score has decreased! According to XXXX : XX/XX/XXXX My credit file was updated to remove addresses ; another update on XX/XX/XXXX ( why ) XX/XX/XXXX credit rating soliciting on how they could make my credit score better, assuming XXXX is not better given the hx of my credit prior to the XXXX recession I enjoyed credit scores up to XXXX ; and yet XX/XX/XXXX XXXX your FICO score has come a long way XX/XX/XXXX XXXX your FICO score has been updated to show a decrease when attempting to view information, no access and yet the system recognizes me ( see print screens ) XXXX XXXX targets my credit of {$7800.00} and claims it can be increased, ironically after my credit score has been decreased! 
I have not authorized any hard credit pulls on my accounts and was informed by credit union that the credit view would not affect my credit score prior to inquiry. There remains a fraud alert on my credit report and the agency would have to contact me to obtain such a pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My original complaint to CFPB was in opposition to XXXX score of XXXX which appeared to be affected by a none update of my credit card account with XXXX XXXX paid in full to leave a credit of {$7800.00}. The site showed a balance of around XXXX I recently checked my FICO due to an alert from Experian and my credit score has been dropped to XXXX without incidence or contact from XXXX or its response to CFPB since filing. I have authorized " no hard pulls '' on my credit. There remains a fraud alert on my account and the agency would have had to contact me to obtain such a hold XXXX was good and on XX/XX/XXXX I, discovered through XXXX XXXX that my credit score of XXXX on XX/XX/XXXX was decreased to XXXX without incidence! I noticed an unauthorized " hard pull '' on my credit. The credit union that I was inquiring about funds to pay staff assured me that the " inquiry '' would not affect my credit score! I was unsuccessful in downloading a free copy of my report due to site not allowing the download to compare to XXXX download. This morning it refused to provide a report. There is no accountable difference to have affect my credit score and decrease it to XXXX! I have attached the XX/XX/XXXX credit report. I have not authorized any hard pulls. There remains a fraud alert on my credit reporting accounts and the agency would need my permission to pull such a report I updated the information on my Experian account concerning the addresses that I never resided and now I receive a bombardment of solicitation with most recent informing me that my credit score has decreased! According to Experian : XX/XX/XXXX My credit file was updated to remove addresses ; another update on XX/XX/XXXX ( why ) XX/XX/XXXX credit rating soliciting on how they could make my credit score better, assuming XXXX is not better given the hx of my credit prior to the XXXX recession I enjoyed credit scores up to XXXX ; and yet XX/XX/XXXX XXXX your FICO score has come a long way XX/XX/XXXX XXXX your FICO score has been updated to show a decrease when attempting to view information, no access and yet the system recognizes me ( see print screens ) XXXX Experian targets my credit of {$7800.00} and claims it can be increased, ironically after my credit score has been decreased! 
I have not authorized any hard credit pulls on my accounts and was informed by credit union that the credit view would not affect my credit score prior to inquiry. There remains a fraud alert on my credit report and the agency would have to contact me to obtain such a pull.

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My wife and I are trying to freeze our credit reports to prevent identity theft. The process was simple to complete online at XXXX and XXXX. Experian does not allow either of us to complete the process online, requiring us to mail copies of government id, utility bill, and other personal information. We are concerned that we will have to go through a similarly onerous process if we choose to unfreeze our account and believe these requirements are designed to discourage us from taking these steps.

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 2021-10-28 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: Self Financial Inc.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation