vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have wring name and address reporting

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 2020-06-10 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: GA

Complaint narrative:
XXXX XXXX Reported : XX/XX/2020 {$460.00} Needs Attention XXXX XXXX {$1000.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$93.00} XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX/XXXX  {$0.00} XXXX XXXX  {$0.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 car from this company in XX/XX/XXXX. I was promised a 3 month warranty. I was told that if anything went wrong within the three months that they'd fix my car for free. The morning after I bought the car, I started having issued and I returned it back to the dealership for repairs. I have an email with all paperwork to prove it. A couple of days later I got my car back and it was still experiencing old and new problems. For two months I begged the company to fix my car and they refused to do anything more to it although I was rightfully within the three months. Although the car had issues, I understood that the payments were reporting on my credit and that's why I HAD NEVER MISSED A PAYMENT. You can review my credit report to see that I had always made on time payments. One day towards the end of XX/XX/XXXX, going into XX/XX/XXXX my car had completely shut off at a red light. I was stuck in-traffic and I had to have my car towed to my home. After that, the car never would start or move. I called the car company and asked them to fix it and they refused, so I made my payment and VOLUNTARY asked them to pick up the car as there was not any use for it. After the car was picked up a Representative named XXXX XXXX ( XXXX ) called and told me that I was right and that there was terrible issues with the car and that it would start start when they picked it up. XXXX said that they could fix it for me and give it back because he realized what the company was practicing was wrong and unfair and he also said that I had great payment history.I never heard from XXXX afterwards. I sent him an email following up with our conversation and he never responded. I asked this company not to report this to my credit and they not only have but they are putting false information on it as well. The car was repossessed in XX/XX/XXXX. On my credit report they saying I missed a payment in XX/XX/XXXX and that the car was " involuntarily repossessed in XX/XX/XXXX. Also they say that I have also made payments on this car in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. How could I have made these spontaneous payments on a closed account and on a car that's been gone 2 years? Also, please show me the receipts and forms of payments I have used to pay. I demand that this car and balance and company is removed from my reports completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I called Capital One at the beginning of XX/XX/XXXX to discuss how my name ( XXXX XXXX XXXX ) was on a credit card without my permission. They assured me the credit card was not associated with my social security number, and closed the account. At the beginning of XX/XX/XXXX, I checked my credit score on credit karma and found that the card was associated with my credit line. I called Capital One again to find out why the card was on my credit line. They told me that XXXX XXXX  opened this credit card and that they acquired the account in XXXX. The only people I can think of that have access to my banking information who would use this in fraudulent ways is XXXX XXXX XXXX XXXX XXXX business office, specifically XXXX XXXX, Procurement Coordinator, and XXXX XXXX, my legal mother. XXXX XXXX made a comment that she and my supervisor XXXX XXXX, Executive Director, Marketing and Communications,  have access to my A number ( that is tied to my social security number ) and can access my banking information at any time. Also, XXXX XXXX gave me the card. XXXX has told me verbally that she tries to hide money in different accounts and asked to hide money in one of my accounts while she was in a legal dispute. The account has been terminated according to XXXX XXXX, but I wasn't aware it existed till XXXX of this year. I have been employed with XXXX XXXX XXXX XXXX since XX/XX/XXXX. They have been caught stealing money from The Missouri Department of Economic Development in the upwards of XXXX XXXX dollars. They also have a very lackadaisical business office practice for their procurement processes. As an administrative assistant, I witnessed their software, XXXX, have multiple business accounts with slight variations of names so that they can pay out of different business lines. I also witnessed them cut checks for large quantities ( hundreds of thousands ) to businesses without going through there XXXX software. Because XXXX XXXX XXXX XXXX has already been involved in stealing money from government departments, and they are threatening me for speaking up about what I know about the school, I am afraid that they may commit identity theft and use my name for fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2020, there was fraudulent activity in my Venmo account to where {$1000.00} was transferred to a person named XXXX XXXX. I do not know who this person is. 

After taking my account information off of Venmo, they paid the person, and now, I owe Venmo {$1000.00}. They do not accept my claim because they claim that it was an authorized payment. I have tried to file this claim multiple times, but they still say that I made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: NY

Complaint narrative:
I am not a third party or a company, I am a victim of identity theft please attached Driver License and my passport, my social security card I lost a few years back.

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 2020-06-10 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: IL

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$570.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: IL

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$570.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX {$680.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: GA

Complaint narrative:
XXXX XXXX Reported : XX/XX/2020 {$460.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$93.00} XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX/XXXX {$0.00} XXXX XXXX {$0.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I received a mortgage statement dated XX/XX/20 requiring a reinstatement fee of {$45000.00} within 10 business day can you supply a breakdown of the 1. - {$7100.00} in escrow please send the breakdown of how you arrived at this figure 2. XXXX in late fees please send the breakdown of how you arrived at this figure 3.  {$8300.00} XXXX in XXXX XXXX XXXX XXXX please send the breakdown of how you arrived at this figure 4. {$5400.00} unapplied funds please send the breakdown of how you arrived at this figure 6. {$890.00} attorney fees please send the breakdown of how you arrived at this figure 7. {$800.00} attorney fees please send the breakdown of how you arrived at this figure 8. {$11.00} property inspection please send the breakdown of how you arrived at this figure In addition i am requesting inclusion in the Emergency Forbearance Plan and my rights covered under the Cares Act and any other plan offered to delay defer fees and payments for 12 months 9. Has any agency including but not limited to Goverment, State , County directed you Bayview or XXXX to proceed with Forbearance or delayment of payments and fees without requiring mortgagees to file documents to get this consideration?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for tis and I will always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on the application are not mine. Please remove these items from 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 explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: AL

Complaint narrative:
Lendmark Financial The account is due I the XXXX of every month however they are calling harassing starting on the day ( s ) before the due date. The calls then comes several times a day and respresentatives are being rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
From : Date : Tue, XX/XX/2020, XXXX XXXX  Subject : Wells Fargo Calling / PLEASE ADVISE To : XXXX Cc : XXXX XXXX XXXX XXXX XXXX Dear Ms. XXXX, I hope all is well with you during this time with the pandemic. I have reached out to you by phone and email. Just wanted to follow up with you about our next steps. 
1.On another note, yesterday I heard my mother having a conversation on phone thru the monitor we have set up in her room in which she stated she was not feeling well, she did have a bad night ( TCPA ). I got on the line & I believe his name was XXXX he was still talking about setting up a payment plan not knowing I was on the phone at that time. 
2.I shared with him that I was working on it and he wanted to know who with and how long because that was what he was doing ... .3.. He keep asking who i was working with & I didn't not respond to his question because I didn't want to maybe jeprodise/ compromise your help in working with us.

4.I asked for his last name and he responded that he was not going to give me his last name and ***I asked him to stop calling and harrassing My Mom for she has XXXX. Yes, it did not end very well. 

5.After some time of reflection, I thought this may have been the individual you have been communicating with when I was there, but ***also thought that we were trying to work on this and didn't expect to have someone calling about a payment plan***. I also now realized Mom was correct when she was telling me she was getting calls from Wells Fargo. 

Please advise as to next steps for we would like to move forward in seeing how we can deal with this line of credit. I also have included in this email the letter from Mom 's doctor. 

Again, I appreciate all of your assistance & await your response/ direction. Thank you!!! 
Image.tif Sincerely, -- -- -- -- -- Forwarded message -- -- -- -- - From : Date : Fri, XX/XX/2020, XXXX XXXX Subject : Fwd : To : XXXX Cc : Dear Ms. XXXX, please find the requested letter from Dr. XXXX in reference to . I am available to discuss, please contact me at your earliest convenience @ XXXX. Thank you so much for your assistance. 

Sincerely,

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I tried to unfreeze my credit report with Equifax. I went online and used my email account and password. The computer said it was invalid. I used their phone number. The computer said they were unable to verify my information. The computer voice said I could fax them a letter. I prepared the letter with the information they required. The fax number they gave is no longer in service. There is no way to contact Equifax to get my credit freeze removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've written Equifax about a collection account ( XXXX XXXX ) that's on my credit report and to no avail a response has not been received and it has been well over 30 days. This account should be deleted from my credit reports. It is sole the responsibility of the credit bureau to make sure all information is verified. According to the FCRA you are required to go beyond the original creditor to verify all information reporting because you are getting paid to do so. you are required to obtain original copy of the application or contract when this account was open, or applied for. I need the proof. How was this verified? 
Congress states : that the Credit Report Agency shall within a responsible period of time reinvestigate and promptly delete inaccurate unverifiable info. This needs to be deleted immediately. 
XXXX XXXX also stated that they never had a contract with me or original signed document so how can this just be placed on my credit without a proper investigation going the full length of making sure the information is verified thoroughly thorough the original said creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for tis and I will always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on the application are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for tis and I will always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on the application are not mine. Please remove these items from 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 explanation