vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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: CA

Complaint narrative:
The following accounts where opened as a result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card. 


I have contacted the creditors and they have closed said accounts. But they have not removed said accounts from my credit reports. 

See attached FTC affidavit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Reporting the information is coming from the court house when its not its coming from a third party that is reporting under the us bankruptcy court name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consolidated Recovery Group, LLC
State: CA

Complaint narrative:
Received a letter from a collection agency about a XXXX debt owed. 
Sent a debt validation letter, what I received back was a contract with no signature and information inaccuracies as to when the business was started, name of business and bussiness bank account associated. They have it listed as XXXX XXXX collection with a bank account registered as XXXX XXXX that was has been closed and shows no deposits from XXXX. The date it says the business was established is incorrect. I can provide articles of organization and filing dates to show proof of when they were registered and date established. There is no physical signature provided to either prove that it was me who authorized the account and the debt to be owed. Just a check marked box. The chargebacks in question are fraudulent/I have no knowledge of. And theyre dated XXXX and the bank account associated with the XXXX claim had been charged off and closed end ofXX/XX/XXXXXX/XX/XXXX before the chargebacks were filed with XXXX  XXXX 
I can show proof of the statements to show no intuit deposits were made to that account and the closure date. 
There is also a fraud alert on my credit report due to identity theft previously and states i must be contacted before authorizing any opening of an account. 


They transaction dates on the debt theyre claiming i owe were made AFTER the initial bank account used for this application was closed so how can transactions be made and deposited into a closed account and the statements show no deposits were made TO that closed account. And the transaction dates from XXXX and beyond are AFTER the account was closed. 


Furthermore the business name listed on this account and the date it was established are inaccurate. I have attached the articles of organization. And the business account registered in the actually business name is not listed on the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Reporting the information is coming from the court house when its not its coming from a third party that is reporting under the us bankruptcy court name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: NY

Complaint narrative:
I have been disputing XXXX XXXX  XXXX on my credit report for months now. Today I received a letter from XXXX  XXXX XXXX stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. XXXX  XXXX XXXX is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: NY

Complaint narrative:
I have been disputing XXXX XXXX XXXXXXXX on my credit report for months now. Today I received a letter from XXXX XXXX XXXX stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. XXXX XXXX XXXX is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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:
I have a protection plan through XXXX XXXX XXXX. I have been disputing the same items for over a year now with Equifax and on the credit file, I was provided that the items do not show any longer and could not dispute them because they were not on the report. Today I was denied credit for my business due to the items that were supposed to be taken off the report. When you call and go through the entire process of validating yourself you give all of your information and then they continue to send you through this again, you can never reach a person to get to the bottom of this. Equifax is sending out fraudulent information and giving you no way to talk with a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: TN

Complaint narrative:
I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had a yamaha motorcycle financed through capitol one and I have paid faithfully for the past six years. I traded the motorcycle for a new XXXX XXXX back in XX/XX/XXXX. On XX/XX/XXXX the dealership I traded the motorcycle with mailed a pay off check in the amount of {$1200.00} to pay off the motorcycle loan with capitol one. On XX/XX/XXXX I checked my credit report as I usually do to monitor my activity and my credit report stated my credit score had dropped 85 points. I began investigating and it was due to capitol one charging extra fees because they stated they had not received any payoff info from the dealership back in XXXX and they stated I was now behind on payments. I contacted the dealership I traded the motorcycle with and the lender stated she had mailed a payoff check on XX/XX/XXXX to the payoff department address that the capitol one officer gave her. The said check also cleared the dealerships account on XX/XX/XXXX and was used by capitol one. Once I contacted Capitol One with this info they stated they could not locate the check anywhere from the dealership, and the last officer that handled my account told the dealership lender that the loan was paid in full. As of XX/XX/XXXX I had the dealership lender fax a check image of the front and back of the cleared check used to pay off the motorcycle loan to capitol ones research dept to XXXX and capitol one told me it would be 7 to 10 business days before they would have a resolution. I called today on XX/XX/XXXX and they said they never received the check image. I had the dealership lender send the images again to the same correct number that I verified with the capitol one officer. As of now they have yet to locate the check that was cleared on XX/XX/XXXX for check # XXXX {$1200.00} made payable to capitol one from XXXX XXXX XXXX in XXXX AL. Capitol one is still giving me the run around on something that they have clearly made a mistake on and I am currently having to deal with trying to get them to get this fixed when clearly they used the check that was meant for my account on the motorcycle, but for some reason cant located the check? I feel taken advantage of and I am basically being charged twice for the said motorcycle because it is included on the payback amount of my new blazer because it was a trade in and capitol one has yet to show the loan as paid off. This issue has damaged my credit score by 85 points and I need this fixed asap. Capitol one seems to be pushing me off and I explained we are going into another month and I do not need any more fees reported to my credit because of their mistake. 
My Capitol One case number is : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
Debt was resolved by insurance company through XXXX XXXX XXXX XXXX. On unknown date. This account or bill was removed and canceled due to it being paid by insurance company. Collection agency does not acknowledge the bill as being paid, make several calls a day and letters sent to my place of residence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have sent several disputes to each on of the credit bureaus : Transunion, XXXX  & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. I have sent another round of disputes to them in hopes to get in touch and receive any kind of correspondence. I will await your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: GA

Complaint narrative:
My mortgage servicer, Arvest Central Mortgage, applied a new {$10.00} " fax fee '' on my most recent statement. There were currently two fax fees on my account, one from XXXX which I recognize and am in the process of paying, and this second one. I called Arvest on XX/XX/XXXX and the person I spoke with said that she could not tell how the fee was incurred and followed up with one of her colleagues. She said that she would call me back with more details. I waited close to 24 hours and called again after no follow up. The second Arvest associate I talked with on today XX/XX/XXXX was able to make contact with a colleague who stated that the fee was applied, simply, " in error '' to a number of accounts. She said that it would be " taken care of '', but was unable to do it on the spot and did not state when it would be taken off my account. 

I am quite concerned, and frankly, upset by this type of predatory behavior by Arvest. I asked the associate who I spoke with how this occurred and had no details. She also said it applied to a number of accounts. If I did not call, it is likely that I would have unknowingly paid this illegal and predatory fee. Also I am concerned that all of the other accounts are still being assessed this erroneous fee. I believe that is is utterly inexplicable how Arvest can, at its own discretion, apply illegal and fake fees to accounts and then expect account owners to follow-up and to ensure that the fees are removed. Even worse, there appears to be no penalty to Arvest for engaging in this illegal behavior and I receive no monies in return for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEMBER MORTGAGE SERVICES
State: MI

Complaint narrative:
On XX/XX/XXXX, I contacted MMS Mortgage company to apply for a mortgage loan to purchase a home. The representative assigned to me was XXXX XXXX. Mr. XXXX sent us an application to fill out per XXXX and my husband and I submitted all documentaion that was requested. Mr. XXXX stated all information received was accurate and we were told not to send any more proof of income. We were sent a preapproval letter for a {$320000.00} for a FHA mortgage pending verification of all documents, appraisal of property, verification of funds and underwriting criteria as we were told we didn't qualify for a conventional mortgage. After receiving this approval letter, we went out and found a home for XXXX but turned it down due to inspection. We found two other homes in the XXXX XXXX area and Mr. XXXX changed our criteria to purchase any home over and over. Anytime we brought this to his attention on any home we wanted to purchase, Mr. XXXX always gave us information on why we were not able to purchase the home due to HOA fees or taxes on the property. We were out looking for homes with our Real Estate agent in the market of {$300000.00} and he would call Mr. XXXX and he was told everything was a go to move forward. Recently Mr , XXXX changed our approval from {$320000.00} to {$130000.00} stating we had given him the wrong figures and he based our preapproval on wrong figures, but we submitted all documentation requested. I callled Mr. XXXX 's supervisor, Mr. XXXX XXXX, on XX/XX/XXXX, when talking with him he stated Mr. XXXX did not follow procedure properly and that he would go over our application and submitted income to verify accuracy. Mr. XXXX called back on XX/XX/XXXX and stated he came up with the amount of {$220000.00} that we could be approved for. Mr. XXXX asked if I wanted to be referred back to Mr. XXXX or another representative, and we requested another rep and that was XX/XX/XXXX, and we have not heard back from the MMS mortgage company since that call. We have went from {$320000.00} to {$290000.00}, down to {$130000.00} now back to {$220000.00}. This company does not follow up in a timely manner as we have been waiting for a response since the XXXX and no call. MMS Mortgage I believe initially did not take our application seriously as there is no way we would have had so many different amounts given to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEICHERT FINANCIAL SERVICES
State: VA

Complaint narrative:
I sold my home in XXXX, VA and paid off my mortgage on XX/XX/2020 with Weichert Financial Services. At closing, I had an escrow balance of {$4300.00}. The Weichert website reflected on XX/XX/2020 they mailed my escrow balance. On XX/XX/2020, after not receiving the check I contact Weichert. They claim they sent the original check to my sold address, but it had a valid change of address in place and I had been receiving my other mail with no issues. I went ahead and updated the address for them to mail the new check. They told me they would issue a new check and it should go out by Friday, XX/XX/2020. After a month of not seeing the check, I called Weichert again on XX/XX/2020 and told them that I had not received the check. They again stated they would mail a check. I asked for a wire and they declined to do it. I asked for mail overnight or at least with a tracking number. They referred my call to a supervisor. The supervisor, XXXX, stated they could not guarantee a tracking number. She could only submit a request and it would take 20 business days for the check department to receive the request and then some time before it would be mailed out. I do not believe they ever mailed the 1st check and they admit they never mailed the 2nd check. With XXXX  and weekends, it will be another 30 days, before I could possibly receive the check. It has now been over two months since I closed and paid off my loan and Weichert has failed to return my escrow money to me and was less than helpful when I called. It takes forever to get a person on line and I spend 1 hour and 11 minutes on hold yesterday, before I got to a supervisor. I am not an expert, but I feel this is a violation of RESPA and should be investigated. I am wondering if this is a common pattern with Weichert with other people that would warrant a class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE CLEARING CORPORATION
State: OK

Complaint narrative:
I completed an applicaion to refinance my home on XX/XX/XXXX with Mortgage Clearing Corp., however even before completing the application a hard credit report was pulled. Since the hard credit report was pulled I decided to complete the process. I completed the application and contacted the mortgage company I spoke with XXXX XXXX a loan officer who told me that they were backed up but he would call me right back to answer my questions and check on the status of the application. I never heard back from him so I called again on XX/XX/XXXX 3 seperate times left a message again no return call. I called back on XX/XX/XXXX, XX/XX/XXXX left messag for XXXX XXXX or XXXX not certain of the last name and XXXX no return call. Called back on XX/XX/XXXX left message with XXXX no return call. Called XX/XX/XXXX spoke briefly with XXXX, he said he wasn't sure why the delay and that he would check on it and call me back. No returned call from XXXX or XXXX. Called back on XXXX left message with XXXX no return call. Called back on XX/XX/XXXX got XXXX 's voice mail did not leave a message. Called back on XX/XX/XXXX left message for XXXX, called twice on XX/XX/XXXX left message for XXXX and for XXXX. No call back. Emailed the mortgage company on XX/XX/XXXX pleding for a return call, no call back. Called XX/XX/XXXX and this time I was put in the voicemail box of XXXX, left message. The voicemail of XXXX said if you applied for a loan you should hear back within 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
I had an account with another person who ended up stealing my property, and identity. I tried multiple times both with letters and calls to the Best Service Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX to pay a debt which was never mine from the beginning, but I asked my relative to help since I travel 80 % of the time to pay the debt without interest. This company was rude, threatening, hung up the phone several times and REFUSED to accept payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Secured Master Card with Capital One and received a letter which said " Dear XXXX XXXX, congratulations! You've been approved for a Secured Master Card from Capital One with a credit line of {$200.00}. We're excited to get your card to you. All we need is the required security deposit of {$49.00}, which is due by XX/XX/2020 '' which I paid on XX/XX/2020 using my debit card with XXXX XXXX XXXX. I have the proof of payment which I can not upload because my printer stopped working, but would be glad to mail to CFPB. Capital One letter also stated " if you've paid your deposit, thanks. you should receive your card within the next two or three weeks ''. But three weeks passed and no card was received by me, so I called on XXXX XXXX., 2020 to cancel and to get a refund of my {$49.00}. I was told a check had been mailed to me from Capital One in Virginia on XXXX XXXX, 2020. However, today is XXXX XXXX, 2020 and I still have NOT received the check. I am therefore appealing to CFPB fpr help.

Company response to consumer: Closed with monetary relief