vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 2020-04-14 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: CountryPlace Acceptance Corporation
State: FL

Complaint narrative:
Country place mortgage has been reporting my mortgage payments as being 30, 60, 90, 120 days past due. This is incorrect, I have not missed a payment in years. Ive contacted Country Place Mortgage multiple times regarding this and have been told I would be given a call back to solve this issue and no return call has been received. I have then filed a dispute to the credit bureau XXXX XXXX and XXXX  and neither of them have fixed the 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 2020-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consolidated Recovery Group, LLC
State: VA

Complaint narrative:
consolidated recovery says I owe over {$XXXX} for a debt the company I worked for XXXX XXXX XXXX had. Someone at XXXX XXXX XXXX opened an intuit merchant account with my name and social security number, that I had no knowledge of and never signed. I keep trying to explain this to consolidated recovery and they keep harnessing me and put it on my credit reports and now I received a letter saying they are taking legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: FL

Complaint narrative:
XXXX XXXX XXXX reporting payments incorrect on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Payments were NEVER late on this account. 

XXXX XXXX XXXX reporting payments incorrect on XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Payments were NEVER late on this account. 

These inquires WERE NOT authorized by me and need to removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 2020-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
I filed a complaint against medicredit. They answered my claim but did not send me any proof of verification. Once again I am requesting that you validate the debt. Im asking for you to provide me with what I asked for initially. They also never sent proof that I could as for debt verification.

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 2020-04-14 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:
XXXX, XXXX XXXX XXXX ( Orig. Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Orig. Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My Employer information on my credit report is inaccurate as well. I have requested to have my Employers on my report corrected, this is a violation of my consumer protection rights.

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 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo 's short term payment relief is incredibly misleading. If you read the short term payment relief, it is assumed you won't have to pay a lump sum after 90 days, and that these payments will be put on the back end of the loan. However on the phone, the operator springs on you that the entirety of the mortgage is due after 90 days. This isn't explained ANYWHERE in Wells Fargos documentary. They simple could have said this, but they didn't. 

How in the world can people affected by Covid 19 miraculously come up with a lump sum of money after 90 days if they can't pay during the 90 days? What help has this honestly done, but mislead their clients?

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Derogatory accounts that are 7 years old and older keep showing on the report. Items that have been paid are still showing as negative. My credit score is being affected with the COVID-19 Crisis and that is not fair to the consumer. Credit scores should not be dropping during the pandemic.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have an American Express Serve Account which I have a debit card for. I was able to load money on debit card on XX/XX/2020 at my local XXXX. 

I went to use it XX/XX/XXXX to car insurance bill and it was declined. I attempted several times to no avail. I went to several banks to try and withdraw money from card and was declined at ATM. I try to log in to my online account to see if anything is wrong with card and see that my online account has also been locked and have been advised to contact XXXX number. 

Since XX/XX/XXXX, around XXXX XXXX, I have been calling non-stop ... Saturday night I spent 6 hours on hold and still no one picks up. The number I am calling is XXXX. 

Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
Im been asked to pay a amount of XXXX $ to duvera billing as a collection that was made by identity theft and debt is not mine. I try disputing many times and not getting results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
As of XX/XX/2020 there are two XXXX XXXX charge offs appearing on my credit reports. On XX/XX/2020 I was sent a update on my credit report stating these two accounts were removed, which I do have the proof of removal. For some reason as of today you all have deemed to put those creditors back on 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 2020-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Dear Sir/Madam, I am a Western Union customer since XXXX and always had an excellent service from them. 

Unfortunately I had a recent problem with them, because the sender, whom I've known and lived with for the last 15 years was getting an error every time he tried to send the order as DIRECT TO BANK to XXXX, either online or at physical locations. 

Whenever the sender sent orders as PICK UP IN PERSON it worked perfectly fine. 

The sender then successfully sent as Pick up in Person to XXXX. 

Due to coronavirus, all Western Union locations were closed in XXXX and for that reason I requested the sender to cancel the money order and send me by wire transfer using a bank. 

Sender went to a Western Union location and cancelled the order and received a refund. 

On the same day, I emailed Western Union corporate office to ask them if they could figure out why the sender was getting an error when trying to send a money transfer as DIRECT TO BANK in XXXX. 

To my surprise I got a response from their corporate office saying I was a ''victim of fraud '' and therefore I can no longer use Western Union services and that my case ( # XXXX ) is now closed. 

I have been a Western Union customer for over 20 years and I also work in the financial sector and I have never seen such an arbitrary decision like this. 

I personally know and lived with the sender for the last 15 years. This same sender has sent me several orders to me since XXXX without ever having a problem. 

How can this possibly be consider as someone trying to defraud me? 

And even if that was the case, why AM I been penalized with ban if I am a victim as stated on their email? 

The only ''mistake '' I did was complain about the error I was getting in their social media and sending an email to their corporate service. Its more than obvious I am been retaliated by them just for the fact I made a complaint and this is unacceptable. 

Instead of trying to find a solution or solve the problem they simply decided to ban me from using their services. 
Its clear there is a misunderstanding in all this and I hope this can be fixed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
Mohela 1. Second installment on this loan was late by one day, company change loan repayment schedule, and called the account delinquent ; without my consent. 

2. Company has changed interest rate and repayment schedule on fixed rate loan ; again with no notification or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Derogatory accounts that are 7 years old and older keep showing on the report. Items that have been paid are still showing as negative. My credit score is being affected with the COVID-19 Crisis and that is not fair to the consumer. Credit scores should not be dropping during the pandemic.

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 2020-04-14 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: CA

Complaint narrative:
XX/XX/2020 I asked the court if they provide bankruptcy information to the credit bureau 's. 
XX/XX/2020 I got a letter from the bankruptcy court acknowledging they do not. 
XX/XX/2020 I requested a security freeze on my XXXX XXXX Credit Report XX/XX/2020 I sent dispute letters to ALL three credit bureaus including the letter from the court saying they do not report to the credit bureaus. 
XX/XX/2020 XXXX removed the bankruptcy ( which by the way was actual identity theft and was reported as such ). 
XX/XX/2020 received a confirmation from XXXX XXXX that the bankruptcy was removed from my report XX/XX/2020 I disputed the bankruptcy again with TRANSUNION XX/XX/2020 received a notice from XXXX   saying my bankruptcy was verified XX/XX/2020 sent another dispute to XXXX disputing my bankruptcy and I have not heard one work and it has not been removed from my account. 
XX/XX/2020 I received a letter from TRANSUNION saying the bankruptcy was verified with XXXX XXXX which is not true. 

Both XXXX and Transunion are reporting information they did not verify. XXXX did try to verify and sent a letter that they were unable to verify with XXXX XXXX and they did the right thing and removed this account. 

Please help me get this resolved with both XXXX and XXXX. I can send in all letter and proof from the courts and 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 2020-04-14 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: FL

Complaint narrative:
XXXX XXXX XXXX has been reporting my mortgage payments as being 30, 60, 90, 120 days past due. This is incorrect, I have not missed a payment in years. Ive contacted XXXX XXXX XXXX multiple times regarding this and have been told I would be given a call back to solve this issue and no return call has been received. I have then filed a dispute to the credit bureau Trans Union and XXXX  and neither of them have fixed the 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 2020-04-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has been reporting my mortgage payments as being 30, 60, 90, 120 days past due. This is incorrect, I have not missed a payment in years. Ive contacted XXXX XXXX XXXX  multiple times regarding this and have been told I would be given a call back to solve this issue and no return call has been received. I have then filed a dispute to the credit bureau XXXX XXXX and Equifax and neither of them have fixed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I just saw on my credit report that I have an open account with Wells Fargo Credit Card SVCS and I have  never in my life opened any account under Wells Fargo clearly someone is stealing my identity. I already filed a complaint with the credit bureau as well as identity theft org this is unacceptable and I already knew Wells Fargo history with fraud I just never realized I would be a victim to this.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Placed order XXXX, told merchant via three different contact methods that XXXX could not deliver the package due to the pandemic. Tracking proof proves that merchant requested an interception of the package. As of XX/XX/2020 XXXX is attempting to return the package. Simple, item was never delivered, my account should be credited for the purchase of {$1300.00} dated XX/XX/2020 on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Model Finance Company
State: CA

Complaint narrative:
On or about XX/XX/2020 the city of XXXX came in to XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX ) and forced us to close due to corona virus threat. On or about XX/XX/2020 I was contacted by a representative of Model Finance Company regarding my due payment. Arrangements were made as follows : XXXX payment deferred at a cost of {$64.00} for interest fees of that month payable by XX/XX/2020, XXXX bill deferred for free. 

Today XX/XX/2020 at about XXXX pst I had a 1 minute conversation with a representative of Model Finance Company . I was asked to pay what I owe. I was asked why I wasnt receiving unemployment insurance benefits ( because the government promised to pay out of work self-employers ) the representative stated. I was asked if I had really applied. I was told he didnt like my attitude and then he told me, I was going to offer you some payment arrangements but now XXXX XXXX  and I yelled XXXX XXXX  back as he was hanging up in my face. I waited 2 minutes before calling back and asking to speak with a supervisor so I could file a formal complaint and request information on filing for harassment. I spoke with another man whom also refused to identify himself as he felt offended by my indignant response to his questions I believed to be unrelated as I was already exhausted from everything going on with the pandemic and being forcefully out of work. The gentleman then resolved to reposes my motorcycle that Ive never missed a payment on prior to this pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been a victim of Identity Theft and have been harrassed by Portfolio Recovery for over 2 years of trying to dispute this issue. They are collecting for XXXX XXXX account that was opening fraudulently. Each time I spent hours on the phone with a Portfolio Recovery associate just to be contacted again the following day by another Portfolio Recovery Associate to say they have no record of the call i had the day before - this happening over and over again for the past 2 years. They are a terrible collections company that does not file any paperwork appropriately. Please help me resolve this issue.

Company response to consumer: Closed with explanation