vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Date of Application XX/XX/2019 This letter is regarding account # XXXX, which Wells Fargo claim DENIED APPROVAL FOR CREDIT CARD. This is a formal notice that your claim is disputed. Allegation of late payment reported on credit file. XXXX Credit report have 1 delinquent payment that does not exist. Plain English ; The link stating late payment, when clicked comes-up 0 late payments.

Not enough credit cards accounts paid ; all credit cards are paid monthly ; on time.

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 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
XXXX has repeatedly reported this debt amount of {$70.00} with an account # XXXX to my credit report and it has been transferred to several different collection agencies. I have spoken with XXXX twice via phone with the first person named XXXX confirming that I did not owe the amount and it would be removed, and the second person who would not provide her name refused to answer any of my questions and advising that my account was no longer with them and had been transferred to Diversified Collections. I specifically asked them to confirm what dates this bill amount was for as I paid my final bill amount on XX/XX/18 and immediately transferred my phone number to XXXX as of XX/XX/18, thereby closing the account. Clearly, the first representative blatantly lied to me. I will include emailed receipts as well as the documentation for the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: CITIBANK, N.A.
State: TX

Complaint narrative:
We had a mortgage and came upon financial hard times ( bankruptcy ). We tried several options with the mortgage company. We settled upon a deed in lieu. The mortgage company is reporting to credit bureaus as a foreclosure.

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 2019-03-25 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: CA

Complaint narrative:
On Saturday.XX/XX/XXXX I received a XXXX XXXX Equifax Credit Report and review it and it has many Unauthorize Inquiries in which I never gaved Authourization or Consent for no creditors to pull my credit neither Verbally or Written Consent. 

Also, Equifax hasn't updated and remove the Derogatory Remarks of XXXX XXXX XXXX and negatives from my credit Report. 
Also, Bankruptcy has to be removed as XXXX XXXX XXXX XXXX was fraud, Corrupted with home purchase of Texas on XXXX XXXX and many Filed Federal Government Complaints was filed. 
US Senator XXXX XXXX has been contacted and I signed a Privacy Release for Federal Investigation and much more. 
US Department of Justice ADA Case # XXXX. filed also against XXXX XXXX XXXX on auto loan # XXXX was also included on Federal Complaints. 
I am XXXX XXXX and XXXX.and a XXXX XXXX XXXX Military Veteran. 

I respectfully marked all Derogatory remarks with Delete and check marks. 
Bankruptcy has to be deleted as XXXX  deleted the bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2018 i sent a letter requesting to verify this debt thats supposedly owed. This company has not sent me any information regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: DISCOVER BANK
State: FL

Complaint narrative:
Hello, my name Is XXXX XXXX XXXX was thinking about opening up a credit card account with Discover and apparently someone used my name and social to sign up for a secured card. I was referred to this website from a professional in credit repair solutions to avoid any more consequences of this fraudulent activity. 

It really is inconvenient for someone to try and build their credit and come to find that others were using their private information. I need help finding a solution to my problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2013, {$25000.00} I sent letters, but no results.

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 2019-03-25 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: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
On XX/XX/18 SPS Servicing assumed our loan from XXXX XXXX XXXX. with the original loan terms still in place : Conventional 5/1 ARM, no escrow account and tied to the LIBOR. Our loan was transferred in good standing and was a simple transfer. 

Our loan has never been late and since transfer to XXXX XXXX, and due to their poor reputation as a debt collector, I have paid my mortgage early every month and in excess of the balance due. 

SPS has reported false and damaging loan terms which I was unable to fix through normal CRA disputes. In violation of the FCRA, SPS has reported our loan to all 3 Credit Bureaus with false remarks : LOAN MODIFIED NonGovt, Loan Modified and including purchase money first. When I disputed this false reporting, it was verified by SPS as accurate. 

My mortgage was sold by XXXX XXXX XXXX. and this loan was not a requested transfer. Furthermore, I contend that because we have nearly perfect credit scores of 820+ FICO 9, SPS Servicing reported false terms to lower our credit and attempt to retain us as a long term client by lowering our score. 

The reporting of Loan Modified on a credit obligation is considered a derogatory indicator by FICO Score 9 ( and within the auto and bankcard versions of FICO Score 9 ) and would trigger the negative score factor You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. to surface. This particular narrative ( Loan Modified ) first became available in the XXXX data when FICO Score 9 was developed.

Due to this false comment, SPS has negatively impacted our XXXX FICO Score 9 causing a drop of 100 points for XXXX XXXX and 69 points for XXXX XXXX. Our previous FICO 9 scores were XXXX and XXXX on XX/XX/18. Now they are XXXX and XXXX respectively. 

SPS FAQ specifically states : Will the terms and conditions of my mortgage change because of the transfer? This transfer does not affect any terms or conditions of your loan documents other than terms directly relating to the servicing of your loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We had a mortgage and came upon financial hard times ( bankruptcy ). We tried several options with the mortgage company. We settled upon a deed in lieu. The mortgage company is reporting to credit bureaus as a foreclosure.

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 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
In XX/XX/XXXX I became a member of XXXX XXXX and on XX/XX/XXXX I noticed there was an unusual debt collection from a non-familiar company called XXXX  XXXX on behalf of XXXX XXXX, I disputed the charge thru XXXX on the same day on XX/XX/XXXX and they completed their investigation on XX/XX/XXXX removing it from my credit report so I thought all was settled since they ruled it a fraudulent charge, then on XXXX of XXXX they send me a letter on the mail from another collection company called ERC on behalf of XXXX XXXX XXXX XXXX and on XX/XX/XXXX I responded to their letter stating that their collection did not belonged to me because I never had any equipment or services installed in my house and the last name on the account is not mine but that was not enough they sent me another letter directly from the XXXX, ID protection team requesting an affidavit for identity theft, a police report and copies of my identification and my signature which I was not too comfortable on doing since I thought they could fake a contract and use my documents but I did it anyways, so I thought that was going to clear everything since they could now see that my last name did not match the one on the account but to my surprise they sent me another letter on XX/XX/XXXX saying that this was the second and final notice to submit my claim of identity theft asking for the same documentation, I decided not to respond to this last letter and instead I decided to report this fraudulent charges to you, please help me in resolving this matter since I am not willing to pay for something I am not responsible for, thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Centron Services
State: MT

Complaint narrative:
I paid cash and they used my insurance. Later they tried to collect money illegally. I didnt paid as thought fraud. They reported to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX, I am filing this report due to a loan that was reported on my credit report recently I really do not have any knowledge of this account all I can say that it was told to me by Onemain Financial that the previous lender for this loan was XXXX XXXX the Account number was giving to me by OneMain is XXXX and that they brought this loan from XXXX they also told me that they brought the loan which is {$14000.00} and my payment was {$500.00} a month they also told me that this loan was open in XX/XX/2002 had no connection with XXXX are Onemail Financial so I am asking CFPB to contact them for me for clarification thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX i mailed off an letter stating that they were reporting incorrect information. it had the wrong name spelling and alot of addresses that ive never lived in or been associated with.

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 2019-03-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I tried today, XX/XX/2019, to place a credit freeze on my Equifax account. I completed the personal information online, and attempted to answer the security questions which were about accounts I MAY have opened 9-20 years ago. The system responded that it could not verify my identity. So I called Equifax, gave all my personal information again, and answered their security questions truthfully. The associate said that he could not verify my identity. He said that my responses did not match their information. I have noticed in the past when I check my credit reports that Equifax often has out-of-date or incorrect information. I never worried about it because the report was always positive anyway. However, this time I NEED to be able to freeze my account and can not due to the supposed " security questions ''. I had no trouble with the other two major credit reporting agencies. One I did easily by an automated phone system, and the other online by answering their questions easily. This is an urgent matter because a fraudster has my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have called XXXX many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. XXXX XXXX foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted XXXX to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from XXXX my bankruptcy case number, also. I am very frustrated with XXXX, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my XXXX   credit report are Wells Fargo Home Projects credit card for {$2400.00}, XXXX  XXXX XXXX credit card for {$1200.00}, XXXX XXXX XXXX credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.

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 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019, I was in XXXX XXXX XXXX, XXXX while returning to my hotel i got into a cab and then the driver proceeded the wrong way. Soon after he stopped and a second man entered the back seat and put a burlap sack over my head. Then took my belongings which were My I-phone, and Phone case which contained my Dr Lisc., Regions Bank Debit Card and XXXX  Credit Card . Then they drove around while accessing my phone via facial recognition getting into my accounts and asking me questions like passwords and pin numbers and how much money is in my accounts. After they were satisfied they drop me off on a random road about 30 min drive from my hotel. I then ran down the street looking for a gas station or somewhere to call my hotel ( XXXX XXXX XXXX XXXX XXXX ) at this point that's all i thought i could trust to pick me up. As i had no money or ID on me anymore. I found a gas station the worker was really helpful as he didn't speak any english but realize i was in distress and not from the area he let me use his cell phone and looked up the hotel phone number to call. Hotel picked me up and took me back upon reaching the manager on duty around XXXX XXXX was there and told me get some rest and when i wake up he would have the head of security ( business card attached ) to escort me to the police station and translate my story to them. ( XXXX Police report attached ) When able to gain internet access, I saw that my Regions account was emptied and cancelled my ATM card. 
I have repeatedly contacted Regions Bank but have only received two identical form letters ( attached ) as a response. Both letters denied my claim and stated " Transaction verified with your card credentials. Transaction passed fraud analysis '' I have requested further details as to why the claim was denied and discuss with a manager but have received no response after 3 phone attempts and one visit to a local branch Although the fraud was reported in less that 48 hrs. ( Regions email attached ) I have been unable to find anyone to help in 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 2019-03-25 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: PA

Complaint narrative:
XX/XX/XXXX i mailed off an letter stating that they were reporting incorrect information. it had the wrong name spelling and alot of addresses that ive never lived in or been associated with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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:
On Saturday.XX/XX/XXXX I received a XX/XX/XXXX XXXX Credit Report and review it and it has many Unauthorize Inquiries in which I never gaved Authourization or Consent for no creditors to pull my credit neither Verbally or Written Consent. 

Also, XXXX hasn't updated and remove the Derogatory Remarks of XXXX XXXX XXXX and negatives from my credit Report. 
Also, Bankruptcy has to be removed as XXXXXXXX XXXX VA Loan was fraud, Corrupted with home purchase of Texas on XX/XX/XXXX and many Filed Federal Government Complaints was filed. 
US Senator XXXX XXXX has been contacted and I signed a Privacy Release for Federal Investigation and much more. 
US Department of Justice ADA Case # XXXX. filed also against XXXX XXXX XXXX on auto loan # XXXX was also included on Federal Complaints. 
I am XXXX XXXX and XXXX.and a XXXX XXXX XXXX Military Veteran. 

I respectfully marked all Derogatory remarks with Delete and check marks. 
Bankruptcy has to be deleted as XXXX deleted the bankruptcy from my credit 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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On Saturday.XX/XX/XXXX I received a XXXX XXXX XX/XX/XXXX Credit Report and review it and it has many Unauthorize Inquiries in which I never gaved Authourization or Consent for no creditors to pull my credit neither Verbally or Written Consent. 

Also, XX/XX/XXXX hasn't updated and remove the Derogatory Remarks of XX/XX/XXXX XXXX XXXX and negatives from my credit Report. 
Also, Bankruptcy has to be removed as XXXX XX/XX/XXXX VA Loan was fraud, Corrupted with home purchase of Texas on XXXX XXXX and many Filed Federal Government Complaints was filed. 
US Senator XXXX XXXX has been contacted and I signed a Privacy Release for Federal Investigation and much more. 
US Department of Justice ADA Case # XXXX. filed also against XXXX XXXX XXXX on auto loan # XXXX was also included on Federal Complaints. 
I am XXXX XXXX and XXXX.and a US XXXX XXXX  Military Veteran. 

I respectfully marked all Derogatory remarks with Delete and check marks. 
Bankruptcy has to be deleted as Experian deleted the bankruptcy from my credit 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