vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States XXXX that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: OH

Complaint narrative:
Today marks day 84 since the offer we put for the house was accepted and was sent to the bank to be processed. Since then, we had signed five extensions for the closure. Last month I was told at the beginning of the month that we were supposed to close in  XXXX, and I was assured that it was not going to go into XXXX. Everything that has been requested, we have provided in a timely manner. We have been patient and understanding during these unpresidential times the nation is going through.

After consulting with other professionals in the field, I have been notified that there have been some discrepancies in the process. Additional documentation has been requested from our part that is not asked to provide from a traditional consumer. For instance, having to contact the IRS, place a Fraud Alert, and request the 2017 tax return. ( The standard documentation that is asked for is from the past 2 years ). The explanation for this request of the tax return given was to make sure we havent bought a house in the past three years, even though that information can be obtained from the credit report.

I was advised by the lender that all information requested was verified for accuracy and missing information. Once all information is collected then it is submitted to the underwriters. So, it led me to believe that the information was not verified to make sure it was accurate which has caused delays and constant requests for additional information from the underwriters. Or the possibility of prejudice from the underwriters ' part, consequently requesting redundant documentation.

My realtor and the broker had contact the lenders ' corporation and the supervisors of the lender, and after 3 weeks we are still been told we " we are waiting for the clear to close at any time '' every single time we asked for an update.

Due to the delays we have been forced to pay {$900.00} in additional spences. Because of the delays we have reach a point were the seller will not accept another extension and we may loose the house. The lender seem not to be concerned with that. After leaving several message and sent emails advising of this, the lender has not contacted me to provide update.

All the information mentioned leads us to conclude there is a possible bias from lenders end or the underwriters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: CL Holdings LLC
State: VA

Complaint narrative:
I pulled my XXXX XXXX  and I seen there were some accounts that were not mines and need it removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 I ( a ) ], these disputed items must be investigated or deleted from my credit report record within 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to debt validation constitutes collection activity. I am also requesting my name and correct address and telephone number updated every move any other name and addresses and telephone numbers that do not belong to me I have reported my information the OPT in OPT out. The following account in dispute are listed below JEFFERSON CAPITAL SYSTEMS I have contacted them and stated I never paid nor requested items from that company they provided me with a bill which proves I never did business with them it's a bunch of miscellaneous charges I will post document below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: DC

Complaint narrative:
Hello, I paid off my vehicle loan ( XXXX XXXX XXXX, XXXX ) with Honda Financial Services on, or around, XX/XX/XXXX. As of the date of this consumer compliant, I have NOT received my vehicle title from the aforesaid lender. I did receive a letter from the lender, dated XX/XX/XXXX, indicating that they received my final payment and that they will now consider my account paid in full. Ive called the lender numerous times regarding this matter only to be put on hold for more than an hour and a half! The extended hold time is probably due to the pandemic, but the lender offers no other viable alternative for me to address this matter ( i.e., email, direct messaging capability, etc. ). The emails from me that have been sent through the lenders web portal have been unanswered. In addition, I was ( finally ) able to connect with one of the lenders call center representatives on XX/XX/XXXX, and he advised that the lender had an incorrect borrower address on file, which did not make sense given that Ive received alternate correspondence from the lender in the past. That call center representative confirmed that he corrected the address and that I should be receiving my vehicle title in the mail within the next 5-7 business days. Thatunfortunatelyhas not occurred and Ive exhausted my options on obtaining the proper documentation for my paid off obligation with the above-mentioned lender. Your help on this matter is greatly appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I now own property after foreclosing in XXXX and the payoff amount appears about {$140000.00} more than Remaining Loan balance calculations would indicate. 

The senior lender and current lienholder XXXX XXXX XXXX XXXX XXXX  XXXX, through its serving agent Select Portfolio Servicing, has provided a payoff figure of $ XXXX on the 2004 loan of {$330000.00}. After 16 years of payments, estimated Remaining balance calculations would arrive at {$220000.00} due. 

I have questioned why, after 16 years of payments from borrowers, the payoff is not approximately {$220000.00}. I have asked for supporting information of their {$360000.00} payoff demand, i.e. basis for calculations, terms of loan, etc. SPS refuses to provide any information since I am not the borrower, despite the fact it is a lien on my property and that the payoff provided appears patently erroneous. No principal paydown in 16 years?? and higher payoff than original loan after 16 years of payments??? 

SPS refuses to internally escalate the matter to have the payoff recalculated and reviewed. If privacy bars me looking at the source data, given the huge discreptancy, it should be accessed by another department or neutral source. SPS refuses to do so, and continues to deny me all information regarding the loan, except for payoff figure. 

Privacy should not bar an explanation for the substantial payoff discreptancy. 

I am being given a payoff amount that on its face is substantially invalid ( maybe fraudulent ), that SPS or XXXX  will not verify and " privacy '' is being used to bar me from getting the correct payoff figure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the
individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I requested to waive the late fee because I missed the payment by accident for my payment on XX/XX/2020. The fee was waived however it was not explained to me that it would credited to the balance and not the actual payment so I made my payment minus the late fee. I was then charged another late fee and I reached out to the company and was explained that once the payment posts for the XXXX statement everything would credit back to my account and I was assured that my XXXX statement would be normal. I did not receive a statement and only realized that they had charged another late fee and carried over the {$36.00} late fee previously. I reached out and was told " we are sorry you werent explained the process, but we cant waive the fee '' I asked to speak with a supervisory and was placed on hold and no one ever came to the phone. My credit card bill went from {$36.00} Dollars monthly to {$110.00} because of fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: UT

Complaint narrative:
I have now requested that the amount being held for overpayment to be sent to me. After multiple attempts the company continues to advise me that it could be up to 40 business days to issue a refund of the amount I overpaid at closing. The amount is over XXXX dollars and is being held by the company. I have requested it be overnighted to me and they refuse. I have attempted to request this payment to be reissued and sent out to me, and they have delayed and delayed and still have not sent the check that was supposed to be issued to me in XXXX. It is now XXXX and they still refuse to send the check back to me. Please assist me with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: NV

Complaint narrative:
I have accounts listed on my credit report that are not clearly mine. I think someone used my information to open these accounts. I am not a credit repair company, and I sent in my personal documents to depict who I am. Please remove those accounts immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I financed a XXXX XXXX XXXX in XXXX, loan # ending in XXXX Vin # ending in XXXX, I was one of the victims in the improper application of XXXX XXXX added to my loan forcing me to have my car repossessed even though I maintained full coverage auto insurance as required, years later I was given a check of around {$4800.00} and {$290.00} as their for of a " Remedy '' to the situation. this small amount is nowhere close to the amount of money and hardship this whole ordeal has caused me. I was forced to turn in my car which they sold at auction, during that time I relied exclusively on my car to work as I was in a 80 % travel position, I was forced to resign my job because I was unable to get another car due to the false forced repossession of my car, this job was with XXXX a top company in the industry so this issue effectively set my career back and I have yet to recover. also around this time I was a brand new single father with no family resources living in a area where child care required me to have reliable transportation I was forced to rent cars at a high rate to be able to drop my kid off in order seek new employment. another hardship I faced for years was the negative info on my credit, a repossession due to the negligence of Wells Fargo made it difficult for me to get housing or a vehicle at a respectable interest rate. over the last 6 years this has ruined my life and I think the amount sent to me if far too small to even begin to compensate me for the XXXX I've bin through because of 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 2020-10-08 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:
Agreed upon settlement for account number XXXX and XXXX. Balance should reflect as XXXX  and paid in full on both accounts. Agency agreed to remove accounts from all credit bureaus they report to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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:
Agreed upon settlement for account number XXXX and XXXX. Balance should reflect as XXXX  and paid in full on both accounts. Agency agreed to remove accounts from all credit bureaus they report to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: NV

Complaint narrative:
I have accounts listed on my credit report that are not clearly mine. I think someone used my information to open these accounts. I am not a credit repair company, and I sent in my personal documents to depict who I am. Please remove those accounts immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: NV

Complaint narrative:
I have accounts listed on my credit report that are not clearly mine. I think someone used my information to open these accounts. I am not a credit repair company, and I sent in my personal documents to depict who I am. Please remove those accounts immediately

Company response to consumer: Closed with explanation