vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have several addresses on my credit report that I have never lived at. I need to make sure no one is applying for anything in my name at these incorrect addresses : Please REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX  XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have several addresses on my credit report that I have never lived at. I need to make sure no one is applying for anything in my name at these incorrect addresses : Please REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX  XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/XXXX ; First interaction with Wells Fargo ( WF ) to obtain a home mortgage. Chose WF based off lowest interest rates. 

XX/XX/XXXX ; Purchase Contract for home buying signed, attorney review begins. 

XX/XX/XXXX ; Pre-approved by WF for a home mortgage. 

XX/XX/XXXX ; Attorney Review complete. Under contract for home buying. Closing date is stated to be XX/XX/XXXX. 

XX/XX/XXXX ; No approval letter from WF yet. Seller has a tenant living in the home, no certainty of what is going to happen. 

Today, XX/XX/XXXX ; Still no approval letter. 

My family are on a military PCS transfer from XXXX  to XXXX. The regular stress during a move across country coupled with the uncertainty dealing with the current pandemic elevates everything. My wife and I responded hourly to every request, email and phone call during this home buying experience. Still, no approval and no home. We have provided over 55 documents to WF as requested from them. Along with countless phone calls and emails. Still, no approval and no home. It has been 49 days from pre-approval, with our email and phone responses being immediate. Still no approval and no home. We were surprised by the seller having a tenant but they will not be vacating for another 30 days and that the purchase contract date of XX/XX/XXXX was just an " estimate ''. Still not approved and no home for another 30 days. 

At multiple points in this relationship with WF, we would of switched to another mortgage company. This was not possible in late XXXX due to the mortgage process taking 30-45 days, as per another Lenders estimate. We thought the purchase contract closing date of XX/XX/XXXX was The Day, so there was not enough time to switch lenders. We can not back out of the purchase contract without a denial letter. We are not being approved, even after every request being met. We demanded from WF to either be approved or denied, which was met with, " one more document is requested. '' For the past 26 days, we have been living in hotel rooms, and with family or friends. Zero certainty if we will be approved to buy our new home, be denied after all this time and then have to rent, or be sued by the seller for wasting their time. But as on today, we are not approved, also not denied and still no home. 

I have reported to duty in my new XXXX XXXX XXXX unit, sleeping on my friends couch while me wife is staying with my grandparents 3 hours away. 

*Any documents requested for proof, evidence or assistance can be provided. 55+ mortgage approval requested documents. 100+ emails. A few dozen phone calls. 4 WF employees involved. WF executive customer service complaint department notified and case opened. 

Please help us.

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 2020-08-14 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: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mr. Cooper ( aka Nationstar mortgage ) error in payment history status reporting. 

Please see attachment to get a visual picture of the issues that are not being a addressed by the prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TX

Complaint narrative:
address
name
accounts 
wrong


XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX

XXXX  XXXX
XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX


XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  & XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: OK

Complaint narrative:
Southwest Recovery Service posted a claim of {$140.00} for a medical bill against me but when I called them they realized their debt was with a XXXX XXXX XXXX in XXXX TX XXXX XXXX XXXX in XXXX. I asked them to remove this and they said they would. That was over 2 months ago. This derogatory is still negatively affecting my credit score. I want it fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TX

Complaint narrative:
address
name
accounts 
wrong


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TX

Complaint narrative:
address
name
accounts 
wrong


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: United Check Recovery Bureau, Inc.
State: PA

Complaint narrative:
I took out a loan originally with XXXX XXXX XXXX. The account was charged off and sold too United Check Recovery Bureau Inc. I paid and settled the account two years ago. United Check emailed me a settlement letter and never updated the account to the credit bureaus. The account is still showing derogatory and charged off. Its supposed to be showing closed and settled. I called them over 40 days and informed them of the situation. I was told it would be fixed and it has not been corrected. It is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: THE MONEY HOUSE, INC.
State: PR

Complaint narrative:
On XX/XX/2020 signed an option to purchase a home.closed on XX/XX/2020 several days later examined the closing documents and found that my signature had been forged on many documents.very alarming was that the option to buy had been turned into a sales contract with the XX/XX/2020 date and my signature forged.Was given the option to choose an appraiser or home inspector, did not get to choose closing agent and first called me on XX/XX/2020 the day before the closing.I never knew he was my agent.Also was not given the opportunity to purchase homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Prior toXX/XX/XXXX, I lost my job Due to COVID and was surviving strictly off of my savings. I was unable to pay the minimum payments on my Macys credit card. About a month later, I got employed and began making more than the minimum payment required on the card. My balance went from {$1400.00} to {$100.00}. I contacted the Macys credit department and explained that I was going through financial  hardships at the time, and would like to know if they could move the negative reporting from my credit. I was advised that even because of my financial hardship, they could not remove the reporting. They did however waive the derogatory reporting and sent me a letter waiving it. This letter however does not change my credit score. Im currently working towards purchasing my first home and Id like to have excellent credit by XX/XX/XXXX. Having this payment on my credit report makes it harder to reach my goal. I think Ive proven myself worthy of making payments on time and would like for the one late payment to be removed. Attached to this is the letter I received from Macys waiving the late 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 non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Controlled Credit Corporation
State: OH

Complaint narrative:
Controlled Credit Corporation XXXX XXXX. XXXX XXXX XXXX OH XXXX This company has already contacted me for debt payment regarding XXXX XXXX XXXX. The payment has already been made to some person calling from their office. No receipt or acknowledgement sent. 

They keep asking about the same debt that was being paid. It appears they dont keep records and continue harassing customers. 

As indicated by University of XXXX XXXX Billing supervisor, it is against the hospital policy to continue harassing about reporting to credit bureau, in addition to their mismanagement of customer records. 

1. Information regarding the debt : a ) The debt has already been settled. 
b ) They owe me a refund on the debt, since XXXX hospital was using this fraudulent charge ( outrageously charged my insurance ) for non specific services performed without the knowledge of the patient. 
c ) XXXX hospital has been proved a big fake trying to make money with deliberate and misleading diagnosis. For example, using a patient who is perfectly healthy as a disabled fellow and trying to get money out of him. 

2. And, XXXX hospitals employ a bunch of collection agencies to make sure they get the left over scraps from the patient, after their insurances are duly attested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
my credit report show 2 companies reporting a collections I notified on XX/XX/2020 after 2 month no answer, but they verified this account as valid with XXXX, XXXX and XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX Keeps selling a bad debt to several collectors after constantly being disputed and deleted from my credit report. First it was XXXX  XXXX XXXX which I disputed then XXXX  which I disputed and was deleted and now they sold it to southwest credit system. After multiple attempts and constant proof its not my account I will like it to be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: IL

Complaint narrative:
I paid my credit card off in full in XXXX, I charged something less than 35 % of my limit. In XXXX I get a letter saying that my credit limit has been decreased from {$2500.00} to {$800.00}. I have payed this card off several times when the bill was due with only two late payments. I called Elan financial and they said they would have to check my credit which of course now is going to look worse because of the credit decrease from them and now my utilization is higher. After speaking with them they said they would have to do a hard credit check to increase. I am not late and my next payment is not due until XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX of XXXX, I traded in a XXXX XXXX XXXX XXXX for a newer XXXX XXXX truck. XXXX XXXX XXXX of XXXX, TX, took this vehicle on trade and was to pay the lien of {$10000.00} to XXXX AUTO FINANCE # XXXX. As seen on credit report, all of my payments prior to trade in were made on time. My credit History is EXCEPTIONAL and this incorrect report is negatively affecting my 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 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX Keeps selling a bad debt to several collectors after constantly being disputed and deleted from my credit report. First it was XXXX  XXXX XXXX which I disputed then CBE which I disputed and was deleted and now they sold it to XXXX XXXX XXXX. After multiple attempts and constant proof its not my account I will like it to be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: IL

Complaint narrative:
I have been literally wrestling with TransUnion trying to get them to remove 5 inquiries ( that are unauthorized ) from my credit report and to delete XXXX XXXX XXXX ( this account has been settled, paid the balance is XXXX ). 

I have spoken to customer service reps. and supervisors on several occasions and my pleas to remove or delete these items have fallen on deaf ears. TransUnion will not help me and refuse to take care of these issues ( remove or delete ). 

I have asked for verifiable proof regarding these inquiries and have received no proof. I have no choice but to seek assistance with these urgent matters. I'm tired of going back and forth with them and I see that they are unwilling to assist me. So here 's my dispute : I've asked them to remove these unauthorized inquiries and a settled account. 

Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  and XXXX XXXX. Ive sent proof by certified mail that the account with XXXX XXXX XXXX was settled ( Paid, balance is XXXX ) .These items are still on my report and has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and TransUnion has failed to provide me with a copy of verifiable proof for these inquiries. XXXX XXXX XXXX must be removed or deleted.

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 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
after refinance with United Wholesale Mortgage, i made my first payment on XXXX XXXX for first payment XX/XX/2020, as indicated on legal settlement documents. up to now i made XXXX and XXXX payment on time. But since beginning of the first payment, UWM website indicated i need to make first payment starts on XXXX XXXX over last three months i have been trying to resolve a issue with UWM to correct the issue in their update system. only respond from UWM customer service that they do wear the issue and they will make correction. but due to UWM 's negligent conduct, my credit scores are  down to low XXXX from XXXX because UWM reported a delinquent payment to credit reporting agency for not received a payment even after payment was made on time. Due to UWM negligent i am still hold to purchase an automobile and among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
We had our Mortgage moved to Roundpoint Mortgage Servicing Company ( XXXX XXXX XXXX, XXXX XXXX SC. XXXX. XXXX ) It has been roughly 3 years that we have dealt with above company and every year they continue to misappropriate funds from us indicating they have had to purchase Flood Insurance for our Condo in Florida. We have our own Flood Insurance through our HOA for the Condo and we have the HOA send the certificate of Flood Insurance to the Mortgage  Company. This issue again surfaced in XXXX and the same outcome occurred and we were charged roughly $ XXXXmo or about $ XXXX/yr. This amount was added to our Mortgage Payment as Lender Forced Flood Insurance.

We verified that our HOA has had continued Flood coverage for the policy since XXXX and the Certificates of Insurance have been available and on file. We really need help to prevent this company from continuing to misappropriate funds from their  customers. 

We also would like to know who they use to procure this flood insurance since the cost of $ XXXX/year seems totally ridicules based on the typical cost of flood insurance ( if it was needed ). We really believe their is consumer fraud occurring in this area and it needs to be investigated Thank you for your help

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 2020-08-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systems Inc re-aged a paid and closed student loan account on XX/XX/XXXX. When contacting the company XX/XX/XXXX a representative was able to find my account with name and DOB but  was unable to access the account as she stated that it was in a dedicated department that was currently closed. XX/XX/XXXX call was placed again to company, transferred to the correct department and this representative was unable to locate my account unless I gave my social security number. Explained that XX/XX/XXXX that woman was able to find the account so that rep attempted to find my account but could not. At no time were there any documents mailed to me regarding this account with and account number or balance. I have only had one private student loan with XXXX/XXXX  XXXX XXXX which was paid and closed, any other claims are fraudulent and need to stop. Please see attached excerpt of credit report showing this account being paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charge

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 2020-08-14 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:
I am a victim of identity theft and did not make the charge

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 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: MD

Complaint narrative:
I recently reviewed my credit report in XX/XX/2020 and I found a collection account named AFNI. AFNI did not send me a notice of a debt. In fact, they do not even have my current mailing address. I have disputed this information with the credit bureaus. AFNI keeps closing and reopening this account on my credit report and re-aging it. AFNI is dishonest and less scrupulous.

Company response to consumer: Closed with explanation