vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2021-10-20 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
To : Customer Financial Protection Bureau First, we want to thank you for your assistances in this matter, but unfortunately, we are in the same position. We are reaching out to you again as our last resort. 
We filed a complaint with CFPB on XX/XX/21 and PHH responded stating that they can not remove the lien from the title because they do not have any other outstanding account other than our principal mortgage and a copy has been attached. 
MERS records stating that XXXX XXXX ( XXXX ) has the lien on our property, but when we contact XXXX they said that they do not have any account under our names. ( Copy has been attached ). 

We humbly request your assistance with this urgent matter. We would like a written response from XXXX XXXX stating that they do not have any outstanding account with us or any other pertinent document that allows us to clean the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I've sent 2 validation letters ( XX/XX/2021 and XX/XX/2021 ) to Penn Corp to validate the debt. I send both letters certified and got confirmation they received them. Both times they did not validate the debt, I requesting documents with my signature, specific dates and procedures if any was done. Both time they just send me a copy of a bill, that could be anybody 's bill. They did not validate the debt. At this time I'm requesting the get these removed off all 3 credit bureaus, for lack of validation. The company has not provided me with any proof of the debt other than a random bill. The name on the bill is not mine and the address on this bill also is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had account with Capital One Bank they garnish my check inXX/XX/XXXX so now the account is paid in full. I noticed on credit report XXXX XXXX collection opened account {$610.00} XXXX XXXX and the original creditor is Capital One Bank. I didn't authorize Capital One to sell my information and the account is paid in full. this defamation of character I will sue they need to remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On around the XXXX XXXX I open a Wells Fargo Checking account and close it and Wells Fargo sent me a letter in XX/XX/XXXX that my checking account was left open. 

On XXXX XXXX I received a letter from Wells Fargo Home Mortgage that I have a home mortgage in which I never purchase any home or apply for any Home Loan with Wells Fargo. 

Wells Fargo used my identity for another person of names of XXXX XXXX and XXXX XXXX XXXX to use my identity to keep my old checking account open that I closed in XXXX 's, so they can obtain a Home Mortgage. 

I don't know this people and I don't have no Home Loan or Mortgage with Wells Fargo. 
Also my full name is XXXX XXXX XXXX, my last name has XXXX XXXX not a XXXX. 
Why did Wells Fargo sent me this letter with unknown strangers I don't know to my physical address and who are this people? 
This is a Scandal, Fraud and Corruptions of Wells Fargo. 
I am been Discriminated and Retaliated and my Identity and XXXX XXXX XXXX under Department of Justice has been violated. 

I have made contact with Wells Fargo back around the XXXX or XXXX on issues but Wells Fargo didn't handle the issues and allow the Fraud, Scandals and Corruptions and now on XX/XX/XXXX a letter sent to me stating to me the issues will be address. 

This is a Fraud, Scandal and Corruptions and Discrimination and Violations of my XXXX XXXX XXXX  under Department of Justice. 
Wells Fargo used a XXXX Wells Fargo Customer on their Scandals, Fraud and Corruptions. 
I am XXXX Lifetime and Retire. I retire from XXXX XXXX XXXX, Ca on XXXX XXXX on LIfetime 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 2021-10-20 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter dated XX/XX/2021 from Chase to close my credit cards ending in XXXX and XXXX. The reason was I had a previous account closed and no other reasons. I've used my account for nothing but personal transactions and do not understand why a previous closure would affect my new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Some clone my card and was able to withdraw money and make transactions. When I card to report fraud. I was told that they didnt find any errors and I couldnt get my money back

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
1 ) Capital One has placed secret " Remarks '' not available to the individual consumer credit card holder noting that the individual filed a dispute. 
2 ) Capital One has maintained this information on file with the credit bureaus for more than 8 years. 
3 ) Capital One reports a XXXX balance on the now closed and previously inactive account since XX/XX/XXXX. 
4 ) Capital One refused to remove the remark and could not tell me what is was about or why is remains on the Credit Bureaus records. 
5 ) Capital One 's practice violated the Consumer Finance Fair Credit Reporting Act due to its secret nature, these remarks imperil my ability to procure a mortgage loan, these remarks impose a chilling effect on the consumer 's rights to dispute a financial transaction, these practices are causing the retention of information older than 7 years. 

I note that my XXXX FICO score is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
After my bank sent my mortgage to a new servicing company in XX/XX/2021, my escrow account was short money. I complained and they said they found an error. They also raised my payment for escrow when it should have went down due to a reassessment on my property taxes. I provided them this information and they still raised my payment. My escrow account is not managed properly and I believe they are stealing money. I have asked for a statement with all monies paid into the escrow account and all monies paid out of the account to no avail. It has been weeks now. 
I want to know where my money is.I have ALL statements and receipts for all monies paid into, and out of, the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP

Complaint narrative:
1 ) Fidelity via their contract credit card servicing company Elan Financial, places secret " Remarks '' when reporting to Credit Bureaus which report such secret " Remarks '' to mortgage lenders. 
2 ) In my case the secret " Remarks '' are a result of me following the credit card company 's process for filing a dispute regarding a financial transaction.

3 ) In the particular case after repeated filings with Fidelity our dispute was upheld and Fidelity issued a complete refund. 
4 ) The dispute arose from a firm which poses as the U. S. Postal Service and charges rates about 90 times higher than the U. S. Postal Service. This firm has regularly received numerous complaints so much so that the USPS.gov issues warnings on its own website. We never received any services from this impostor yet Fidelity upheld the company 's counter appeal two or three times prior to settling the matter in our favor. 
5 ) The " Remarks '' reported to the Credit Bureaus reflect only the fact that we exercised our right to file a dispute.

6 ) I tried to have the " Remarks '' removed in a timely manner due to the fact that these remarks are impairing our ability to secure a mortgage in the immediate future. 
7 ) Instead of receiving " XXXX XXXX XXXX '' from Fidelity I received a run-around. 
8 ) I only was informed of these " Remarks '' due to both initially verbal and subsequently email information available only to lenders and not the credit card holder.

9 ) I have expended over 20 hours attempting to remedy these violations of the Fair Credit Reporting Act. 
10 ) XXXX 's XXXX score for me is XXXX yet these " Remarks '' will prevent me from securing a mortgage loan according to my loan processor.

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 2021-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PRESTIGE FINANCIAL SERVICES INC
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: PA

Complaint narrative:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/21 I sent a letter to Experian to remove an address that is not accurate. 

They replied via email of the dispute. 

They have not removed the inaccurate address on my credit report as to date and they have not responded accordingly to remove the inaccuracy. 

I do not live at that address and have never lived at the address. 

I sent a second letter on XX/XX/21 regarding the failure to remove the inaccurate address. 

And notified them that I would contact the FTC.

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has been furnishing information on my credit file and credit report without my consent. i have never sent or give any written instruction to Transunion consenting on reporting any information or data to my credit report and credit file. That is a violation pursuant to 15 U.S.C. 1681b Permissible purposes of consumer reports. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer 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 instructions of the consumer to whom it relates.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I did a credit transaction with Amex and I got denied but I still received the inquire so everyone got paid except me which is a violation and improper use of open ended credit plan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I've asked this company ( Designed Receivable Solutions ) twice ( XX/XX/2021 & XX/XX/2021 ) via certified mail to validate the alleged amount ( {$310.00} ) of debt that I supposedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: GA

Complaint narrative:
On XX/XX/2021 I contacted Experian Credit Bureau to have them correct the spelling of my name, which is spelled incorrectly on my credit report. I also sent in a letter back in XXXX not only asking them to correct my name but also to remove an account associated with that name they have reporting to my credit profile. When I spoke to them on XX/XX/XXXX I let them know that I had sent in a letter to dispute information on my credit report, to include the wrong name reporting and a charge-off account with XXXX XXXX XXXX doesn't belong to me. I was told that even though I had sent in the documentation showing the correct spelling of my name that the information won't be updated. I know that the Fair Credit Reporting Act states that the information within my credit report must report accurately and if it's not then it must be removed by law. Since they have my name reporting inaccurately and the same name is attached to an account that I don't know about, by law it should be removed correct? I feel like I am being denied my rights that is clearly stated in the FCRA. They are not upholding the law and it is causing me to get denied for employment and for a house. This is affecting my livelihood and causing me distress. I also requested for Experian to send me proof of verification from the company, XXXX XXXX, along with a copy of a signed contract between myself and that company, which I never received. They actually did nothing that they were supposed to do in this matter.

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 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I have been calling Shellpoint at least once a week since mid XXXX regarding a tax bill that was paid LATE by the company from my escrow account for my Town of XXXX taxes. Since it was paid late by Shellpoint, the late fee is Shellpoint 's responsibility. They used MY money from MY escrow account to pay the late fee of {$130.00}. I received a letter from Shellpoint ( attached ) admitting their error & I would be refunded this amount. I also was told over the phone multiple times by multiple agents ( on recorded lines ) that I am entitled to the refund. Every time I call I start the process over of explaining the situation. For almost 2 months, I am told it is pending, or it will be in review for 60 days, or it will be 3 to 5 business days to review & call me back, or sometimes told there was no error! Supervisors escalate the situation & say they will call me back but never follow through. Blatant lies on many occasions. I am still waiting on my refund and want my money now. I am done waiting. This is their error and the amount of time and effort I spend weekly on this is unjust.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I did a credit transaction with nfcu and I got denied but I still received the inquire so everyone got paid except me which is a violation and improper use of open ended credit plan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Hello. I requested a replacement debit card to be sent to my temporary address in XXXX. Unfortunately, I learned that Capital One does not obtain tracking numbers for international card shipments. Without a tracking number it is very difficult to receive the card, as packages usually have to be picked up at the delivery company 's local office. In foreign countries there is only a minimal effort, if any, to deliver at the recipient 's address.

Company response to consumer: Closed with explanation