vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 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: I.C. System, Inc.
State: MS

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: NC

Complaint narrative:
I file a dispute with Equifax after many attempts to have a collection from XXXX. XXXX removed from my credit report. I have never had an account with XXXX XXXX. When asking for proof of the debt from Equifax as the reporting agency they failed to provide the proof and sent me a letter stating all unpaid collections say on reports for 7 years from date of delinquent. 

This violates all of my rights under the FCRA as well as breaking the law. Along with their unfair practices of not really doing an investigation. I shouldn't even have to take it this far but I will because I do not owe anyone {$80.00} and will not pay for someone's errors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: LA

Complaint narrative:
This account does not belong to me my wallet was stolen and these accounts were opened I have filed reports but these accounts are still showing on my report this is keeping me from getting a mortgage I have informed the company and all 3 credit bureaus of this multiple times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: LA

Complaint narrative:
This account does not belong to me my wallet was stolen and these accounts were opened I have filed reports but these accounts are still showing on my report this is keeping me from getting a mortgage I have informed the company and all 3 credit bureaus of this multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
BSI refunded me XXXX from my escrow as overpayment/over balance on XX/XX/21. On XX/XX/21 they left me a voicemail that the check was sent in error. On XX/XX/21, they modified my load payment ( which is autodrafted ) by lowering the draft by XXXX. Now they want me to write a check for XXXX to cover the old escrow balance instead of keeping my original loan payment of XXXX. 

When I spoke with a manager at BSI, they claim they " miscalculated '' my escrow account balance. The check was sent in error, but they can't tell me why my payment dropped by XXXX. 

They have sent nothing to me in writing. This " error '' was only explained to me via telephone and I am not comfortable with that. 

It seems like they are trying to get me to front load an existing escrow account after mismanagement of my payments. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: LA

Complaint narrative:
Contacted XXXX no XX/XX/2021 to validate debt with documentation No response. Sent another letter on XX/XX/2021 requesting debt be removed for failure to respond and send proof this is my debt disputed with Bureaus and provided proof item still remains on my file. This account is blocking my ability to obtain loan services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: GA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
I tried to get a Loan with XXXX of XXXX. They told me I was approved the whole time till I went to do the final paperwork then they wanted to jack the down payment up XXXX after running my credit 5 separate times already. The are using some company called sage stream which Ive never heard of and I complained about that in office asking for the supervisor to come explain what I was seeing on their computers and why there was a disconnect in my credit, my personal info, and the appearance and issues with the car that DID not match what the picture displayed. He acted as if he didnt even work there and could not provide me any detail to why I was having problems with them. Complete lack of experience to be a supervisor and not even know your own company. Ive had multiple credit issues since then, Ive had multiple fraudulent charges on my card I used there with them and Ive even went back to them in person and called multiple times over the phone and they couldnt provide me any updates. Ive left my contact info to be contacted back by someone in upper management and have yet to get a single call. This has been an ongoing issue for over 4 months now and Im fed up and ready to sue them now. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have sent a cease and desist letter with my demands however I am still being contacted by LOWES to pay on an account that I do not owe! I sent a letter around the end of XXXX  stating to validate the debt pursuant to 15 USC 1692g. However I received no response but more statements and phone calls which are violations of consumer protection under 15 USC 1692c ( A ) when this account should be closed and settled. With Lowes not validating the debt, they now are sending me false figures and representations pursuant to 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) A as well as violating numerous federal laws. I have provided the erroneous billing statement along with the billing errors and false misrepresentation of this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I have my mortgage now with Lakeview. I began a refinance search since the rate is 2.85 %. Lakeview reach out to me after being a customer for about 5 year or more, never making a late payment and paying more then what the monthly statement asked. I've given them all documents needed. My credit score is a XXXX. 
What was stated to me by XXXX XXXX, Lakeview wanted a break down of two years of overtime XXXX, XXXX & XXXX. The reason XXXX I grossed XXXX and XXXX I grossed XXXX. I advised XXXX your looking at my pay where it shows I made {$40.00} per hour.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXX XXXX XXXX Ga XXXXThis house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open.We have no documents regarding this loan with WELLS FARGO FINANCIAL GEORGIA XXXX INC, INC We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX Ga. We will told the home was foreclosed on however, this was not the case .XXXX XXXX XXXX US FED BRC XXXX  XXXX OF GA XXXXWELLS FARGO FINANCIAL GEORGIA INC ACCT NUMBER XXXX XXXX XXXX FOR YEAR XXXX. PLEASE NOTE PROPERTY LOCATED AT XXXX XXXX XXXX XXXX, XXXX GA XXXX WAS ALSO STOLEN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: LA

Complaint narrative:
i would like to file a complaint on EQUIFAX for continuing to report inaccurate and unverified information on my credit report. I sent a copy of the check from my insurance company to equifax and also disputed the incorrect information and still equifax has ignored my proof and violating my consumer rights according to FCRA. 

On XX/XX/2021 my insurance company sent check in the amount of XXXX, paid the account off in full. On XXXX XXXX I received a letter and check in the amount of {$120.00} attached from XXXX XXXX stating the car loan was paid in full and that I overpaid the account and they were refunding me. In XXXX, & XXXX I paid my car note even though my insurance company had paid the account in full in XXXX because I was advised my a XXXX XXXX representive that Even though they did receive the check on XX/XX/XXXX that my account had to be updated and it would take serval weeks in which i found that odd. I have never missed a payment and this error has effected my credit scores bad. I have called all 4 companies and have been unsuccessful resolving this issue.

I want the CFPB to publish this description XXXX  information on my credit report. My XXXX XXXX account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am a victim of identity theft since XX/XX/2019 My first email was hacked and all online banking and business home network taken over. All of my personal and business information stolen and used with out my authorization. I have had to shut down every bank account credit card account due to fraud on every account. I have yet to get my money back and yet Wellsfargo bank is still trying to collect moneys from the fraud I never made. It is hurting my credit and its not fair. I have made police reports, FTC reports & cyber crime report and mailed documents to wellsfargo. I have tried disputing off my credit report and yet its still there. I dont know what else to do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hi! 


i would like to file a complaint om XXXX XXXX, XXXX XXXX, XXXX  and experian because theese companies are reporting inaccurate information to my credit report. 

On XX/XX/2021 my insurance company sent check in the amount of XXXX, paid the account off in full. On XXXX XXXX I received a letter and check in the amount of {$120.00} attached from XXXX XXXX stating the car loan was paid in full and that I overpaid the account and they were refunding me. 

In XXXX, & XXXX I paid my car note even though my insurance company had paid the account in full in XXXX because I was advised my a XXXX XXXX representive that Even though they did receive the check on XX/XX/XXXX that my account had to be updated and it would take serval weeks in which i found that odd. 

I have never missed a payment and this error has effected my credit scores bad. I have called all 4 companies and have been unsuccessful resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX I requested Forbearance due to my husband loosing his XXXX ( XXXX XXXX XXXX ) due to corona virus and my hours at work decreased then to make things worse my husband was diagnsoed with XXXX XXXX  XXXX lXXXX XXXX then later XXXX XXXX XXXX. I was approved for a 6 month forberance I then filed an application with my Mortgage company Homebridge to get a modification of the mortgage at which time I checked my online mortgage account and seen several letters which stated the reduced mortgage by {$100.00} kept me at the same intrest rate and extended my terms for 13 years, for a 6 month forbearance this so predetory I can not believe this is even legal. I contacted them several times they state thier system is down and cant give me information they have given me until XX/XX/XXXX per letter dated XX/XX/XXXX to make a decesion, short time to preasure me to make a decision. please help this should be illiegal in every way how could this be allowed to be done to consumers. Also if I do not accept this terrible offer they are demanding I pay XXXX XXXX dollars what I was behind for the six months as soon as XX/XX/XXXX or they will begin forclosure process. I have reached out to XXXX  they state they have received many complaints frsom Homebridge and other mortgage companies but they cant help I reached out to HUD impossible to get through and only if you qualfy for an attorney. Please help

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
I tried to get a Loan with XXXX XXXX XXXX. They told me I was approved the whole time till I went to do the final paperwork then they wanted to jack the down payment up XXXX  after running my credit 5 separate times already. The are using some company called sage stream which Ive never heard of and I complained about that in office asking for the supervisor to come explain what I was seeing on their computers and why there was a disconnect in my credit, my personal info, and the appearance and issues with the car that DID not match what the picture displayed. He acted as if he didnt even work there and could not provide me any detail to why I was having problems with them. Complete lack of experience to be a supervisor and not even know your own company. Ive had multiple credit issues since then, Ive had multiple fraudulent charges on my card I used there with them and Ive even went back to them in person and called multiple times over the phone and they couldnt provide me any updates. Ive left my contact info to be contacted back by someone in upper management and have yet to get a single call. This has been an ongoing issue for over 4 months now and Im fed up and ready to sue them now. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Unauthorized use of my social security card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have numerous XXXX XXXX accounts reporting on my consumer report. These accounts are hurting my credit score and are not equitable to me as a consumer. I need them deleted from credit file immediately as I have not granted credit reporting agencies consent to furnish these accounts on my report. As a consumer have a right to privacy pursuant to the Fair Credit Reporting act 15 U.S.C 1681b : any consumer reporting agency may furnish a report under the following circumstances and no other. 

1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

2. In accordance with the written instruction of the consumer to whom it relates.

I the consumer have not given any written instruction to any consumer reporting agency to furnish a report. Especially one that is not equitable to me. Therefore the items attached to this complaint need to be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: PA

Complaint narrative:
After multiple attempts with all 3 credit bureaus, I attempted to dispute the accuracy and validity of XXXX- XXXX  XXXX  on my report. After multiple attempts, nothing has been changed nor deleted. As this point in time, XXXX  has violated my rights as a consumer under FCRA section 611 ( a ) ( 5 ) as they have not responded to my dispute nor given me an update. i am demanding this account be deleted from my credit report immediately or i will be pursuing litigation in the amount of nothing less than {$1000.00} as tis has negatively impacted my credit score as well as my ability to obtain credit. All receipts and dates of mailed letters and confirmation has been attached below as supporting documentation.

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