vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 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: Riverwalk Financial Corporation
State: TX

Complaint narrative:
Ive tried to dispute with the company XXXX XXXX as i never had an account with this company. They removed the account from my reports and transferred the account to a XXXX XXXX a collection agency. I wrote the company XXXX financial and told them that this is not my account and that it needs to be removed from from my credit reports. The contract signature that they sent out was not even my signature. This is unfair to me as i try to apply for loans to have this report back as verified but doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened an account with Wells Fargo under the agreement there would be a {$200.00} bonus after a period of 3 months. All requirements were met ( deposits/certain amount spent ) however when I just called the bank to question them why the money wasnt deposited they basically told me during that month there was no bonus? Huh? I opened this account because of the bonus! Just blown away by how deceitful and unhonest this new bank is. Not sure yet if Im going to close it. But its not looking to good so far.

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 2018-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Made a payment on XX/XX/XXXX and committed to making another payment on XX/XX/XXXX in efforts to pay the passed due balance as currently the vehicle is sitting over 60 days passed due. I have made the lender aware of the situation but they continue to call me several times a day ranging between 2 and 5 times. I have juat started a job and am currently undergoing XXXX XXXX screenings. I have assured the lender i am going to pay them. Im also dealing with a custody battle and a divorce. I am overwhelmed with life and everytime my phone goes off it gives me an anxiety attack. Them calling me so much is affecting my health and i am having to constantly having to look out my window just to make sure my car is still there so i can make the money to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Despite numerous letters sent to the credit bureaus and debt collector themselves, I can't seem to get a resolution to this debt they say I owe. I requested proper debt validation via letters sent and the only thing I receive are statements of balances and proof debt was bought from a creditor. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper proof is shown in which I request in the letter I sent. The FDCPA is clear as to how debt collectors are to validate debt with consumers and Cavalry is not following the law by not providing proper proof to consumers in which they wish to collect from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: NJ

Complaint narrative:
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is a case of mortgage fraud. This was a mortgage refinance that took place on XX/XX/XXXX. The " closing '' did not have a notary present at the location in XXXX, NJ. The person who notarized the paperwork did so at a later time and did NOT ever meet or witness my or my wife 's signatures. One of the forms was notarized and we NEVER saw or signed the form for the NY XXXX. I tried in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently in XX/XX/XXXX to modify the terms of the mortgage. Only this last attempt did I ever receive a letter in writing. Thank you for your consideration.

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 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Back in XX/XX/XXXX /XX/XX/XXXX i sent out a letter to XXXX XXXX XXXX XXXXequesting for Validation of this debt that is reporting on my credit report. 
The company XXXX XXXX XXXX, which i hold no contract/no hand signed contract with nor have received services from, reported a collection account against my social security number in the total amount of {$780.00} with XXXX, XXXX, and XXXX credit reporting Bureau. I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: VA

Complaint narrative:
Experian, XXXX XXXX and XXXX are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.

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 2018-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Despite numerous letters sent to the credit bureaus and debt collector themselves, I can't seem to get a resolution to this debt they say I owe. I requested proper debt validation via letters sent and the only thing I receive are statements of balances and proof debt was bought from a creditor. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper proof is shown in which I request in the letter I sent. The FDCPA is clear as to how debt collectors are to validate debt with consumers and XXXX is not following the law by not providing proper proof to consumers in which they wish to collect from.

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 2018-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have requested that all Dispute remarks be removed from all accounts on my XXXX, Transunion, and XXXX reporst. The remarks need to be removed before I can close on my home loan. 

I was told by a Mortgage Company to dispute the issues that were in collection and then now being told by the another company that all dispute remarks have to be removed. I called each company and so far the remarks remain on my 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 non-monetary relief
Consumer complaint received 2018-08-31 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: VA

Complaint narrative:
I had requested that all dispute remarks be removed from all accounts listed on my credit report within 15 days. The dispute remarks are keeping me from closing on my home loan. I was told by a mortgage company to dispute all accounts that were in collects and now I am being told to have all the remarks removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX, Trans Union and XXXX are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.

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 2018-08-31 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: VA

Complaint narrative:
XXXX, XXXX XXXX and Equifax are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
13 payments still have not been reported to the credit bureaus. I have received a copy of my payment history from your company via mail today. I will continue filing complaints until all payments are properly reported to all credit bureaus. You stated starting in XX/XX/2018 all payments would be reported after my forbearance period, refer back to taped phone calls with your company. As of today, they are still not being reported. This issue will not be resolved until my payments are all properly reported with the credit bureaus. Per your representative, XXXX XXXX he suggested I find another bank to refinance my loan, I have yet to do so since XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX   Loan Originators stated, " XXXX XXXX XXXX XXXX needs to report all payments with the credit bureaus. This can easily be resolved by the company submitting a report showing all payments that are missing as now being reported, " Paid. '' Your company is once again, holding me back from now refinancing and then selling my home. When will this end? Lawsuit?? Media? You t
ell me as XXXXne of many consumers I am finding out that have gone through this same issue, XXXX XXXX   XXXX XXXX not reporting payments with their mortgage loan to the credit bureaus. 

Your representative XXXX XXXX did not return calls nor emails all of the time, especially when he stated he would contact me back. Instead CFPB would send me an alert stating you submitted a response to my complaint. I have contacted your company again this week, this morning to address the missing payments. When is this going to be so easily resolved? This is a HUGE issue, problem that continues ... 

I thought your company Motto was to help and support all veterans. I have other coworkers that are having the same issue with XXXX, not reporting all payments with regards to their mortgage loan. Seems I am not the first. I never had problems with car loans nor bank accounts with XXXX, seems only the mortgage sector of your company has the issues. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: NJ

Complaint narrative:
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX ****

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: Financial Service Center of Ohio, LLC
State: OH

Complaint narrative:
i applied on XX/XX/XXXX18 for a payday loan with XXXX of ohio. i was approved for XXXX dollars but later the same day i returned the money and cancelled the loan because i changed my mind i signed paperwork stating the loan was cancelled. i returned today XX/XX/XXXX18 to receive a new loan because i wanted to pay off the new loan on XX/XX/XXXX2018 and the old loan would not let me go out that far. when i went in to the store i was told that i didn't need to reapply because they still had my information from last week. all i had to do was provide a new copy of my bank statement with the last 30 days of activity on it which i did. the woman then states i was declined this time because they have just changed their underwriting process. i had no idea that they would pull another credit report from a agency called XXXX XXXX. i did not sign or give consent to have any credit report pulled today but they did it anyway. the woman in the store said nothing to me about this. i was given an adverse action letter but when i called the number it was XXXX corporate office and they would tell me nothing but i spoke to the district manager and was told they used my original application to run my credit again. i spoke to her on the phone last week and she stated all i had to do was provide a new bank statement. i believe that this company has violated the fair credit act because they ran my credit today without my consent they also threatened to misuse my personal information if i kept calling them to find out why i was declined .. this company is shady at best and i believe they misuse personal information and XXXX XXXX purchases this information from them to use improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
XXXX payments still have not been reported to the credit bureaus. I have received a copy of my payment history from your company via mail today. I will continue filing complaints until all payments are properly reported to all credit bureaus. You stated starting in XX/XX/2018 all payments would be reported after my forbearance period, refer back to taped phone calls with your company. As of today, they are still not being reported. This issue will not be resolved until my payments are all properly reported with the credit bureaus. Per your representative, XXXX XXXX he suggested I find another bank to refinance my loan, I have yet to do so since XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX stated, " XXXX  XXXX XXXX XXXX needs to report all payments with the credit bureaus. This can easily be resolved by the company submitting a report showing all payments that are missing as now being reported, " XXXX. '' Your company is once again, holding me back from now refinancing and then selling my home. 

When will this end? XXXX?? XXXX? You tell me as XXXX of many consumers I am finding out that have gone through this same issue, USAA XXXX XXXX XXXX not reporting payments with their mortgage loan to the credit bureaus. 

Your representative XXXX XXXX did not return calls nor emails all of the time, especially when he stated he would contact me back. Instead CFPB would send me an alert stating you submitted a response to my complaint. I have contacted your company again this week, this morning to address the missing payments. When is this going to be so easily resolved? This is a XXXX issue, problem that continues ... 

I thought your company XXXX was to help and support all veterans. I have other coworkers that are having the same issue with XXXX not reporting all payments with regards to their mortgage loan. Seems I am not the first. I never had problems with car loans nor bank accounts with XXXX, seems only the mortgage sector of your company has the issues. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
13 payments still have not been reported to the credit bureaus. I have received a copy of my payment history from your company via mail today. I will continue filing complaints until all payments are properly reported to all credit bureaus. You stated starting in XX/XX/2018 all payments would be reported after my forbearance period, refer back to taped phone calls with your company. As of today, they are still not being reported. This issue will not be resolved until my payments are all properly reported with the credit bureaus. Per your representative, XXXX XXXX he suggested I find another bank to refinance my loan, I have yet to do so since Fifth Third Bank, XXXX XXXX and XXXX Bank Loan Originators stated, " XXXX Nationstar  Mr. Cooper needs to report all payments with the credit bureaus. This can easily be resolved by the company submitting a report showing all payments that are missing as now being reported, " Paid. '' Your company is once again, holding me back from now refinancing and then selling my home. 

When will this end? Lawsuit?? Media? You tell me as one of many consumers I am finding out that have gone through this same issue, XXXX Nationstar Mr. Cooper not reporting payments with their mortgage loan to the credit bureaus. 

Your representative XXXX XXXX did not return calls nor emails all of the time, especially when he stated he would contact me back. Instead CFPB would send me an alert stating you submitted a response to my complaint. I have contacted your company again this week, this morning to address the missing payments. When is this going to be so easily resolved? This is a HUGE issue, problem that continues ... 

I thought your company Motto was to help and support all veterans. I have other coworkers that are having the same issue with XXXX, not reporting all payments with regards to their mortgage loan. Seems I am not the first. I never had problems with car loans nor bank accounts with XXXX, seems only the mortgage sector of your company has the issues. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation