vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/2020 I applied for a program to assist with my student loan and applied for a small personal loan through my bank. On XX/XX/2020 I received a denial from my student loan lender and from my bank, both reporting that my VA Home Loan with LoanCare - XXXX XXXX in XXXX  XXXX VA has reported me to the credit bureaus as being in forbearance and on the " verge of losing my home '' and declining to make payments. I made several attempts to reach someone at Loan Care and was put through the calling tree. I made several calls to several numbers, all phone tree and now way to reach a live person. I found my suspended payment letter from Loan Care - my payments  are suspended currently due to COVID, and attempted to call the Mortgage Advocate listed. Phone tree. I have been unable to reach anyone. My credit is now ruined, which was not great to begin whit and I have been working very hard to repair. Checking my credit score I see I have went down almost 60 points due to this Loan Care debacle. I can not get anyone at LoanCare to speak with me, respondent to me or find a live person to speak with. I attempted to submit a dispute through XXXX  and have been told I need several pieces of documentation. I am unsure where to go from here and am very upset that this is a VA home loan, that I was told suspending payments during COVID would not be reported to credit agencies, and has been. Advice?

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 2020-05-08 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: NV

Complaint narrative:
On XX/XX/2020, Experian stated the inaccurate Chapter XXXX Bankruptcy listed on my report was verified by XXXX XXXX. Additionally, on XX/XX/2020, Experian stated " relevant information '' was needed for a re-investigation. A copy of a letter from XXXX  XXXX, dated XX/XX/2020 was mailed to Experian which stated, after a re-investigation, XXXX XXXX was unable to verify accuracy of bankruptcy and removed the record from my XXXX  XXXX  report. Experian acknowledged receipt of the letter via their website by opening bankruptcy dispute on XX/XX/2020 and modified it XX/XX/2020. Experian opened an additional bankruptcy dispute on XX/XX/2020 and modified it on XX/XX/2020. On XX/XX/2020 Experian stated the bankruptcy dispute was still pending. On XX/XX/2020 Experian falsely stated the " company '' that reported the information to them certified the information was true. Experian exhibited unethical business practices and a violation of my rights by not identifying XXXX XXXX as the data furnisher as previously stated and falsely claimed the Chapter XXXX bankruptcy was verified. On XX/XX/2020 in response to CFPB complaint # XXXX Experian continued to make false claims by stating the " public record vendor '' verified the information. Experian exhibited unethical business practices and made false statements in an attempt to continue to violate my rights. Experian has knowingly been in possession of the deletion letter from XXXX XXXX since XX/XX/2020 and has maliciously and unethically chosen to ignore the provided information and not act upon it per the rules and regulations outlined in the Fair Credit Reporting Act. Experian is well aware that the " data furnisher '' and " public record vendor '' they have skillfully referred to is XXXX XXXX. This has been done in an attempt to mislead the Consumer Financial Protection Board and allow them to continue to violate my 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 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
There is an excessive amount of money in my escrow account. I currently have a supplemental property tax bill due. One installment was due XX/XX/2020 and the next one is due XX/XX/2020. In XX/XX/2020 I called NewRez and asked if some of the excess escrow funds could be used to pay the supplemental bill. I was instructed to send an email with my request and the tax department would review my request and reply to my email. After one month, they had not replied. I contacted NewRez again and was informed that my email had been received and a reply should arrive shortly. No reply came so I paid the first installment. In XXXX I sent another email asking that New Rez terminate my escrow account. When I purchased the loan the escrow account was optional since my down payment was over 20 % loan to value. I received no reply to that request either. I called New Rez again in XXXX and they decided to escalate my case. I was told I would receive a reply within 2 weeks. Today is XX/XX/2020 and have yet to receive a reply to the XXXX or XXXX emails I sent as well as the phone calls. 

I hope you can 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 2020-05-08 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I recently complained that wells fargo did not comply wit the cares act to do a forbearance for my loan payments. Wells Fargo called me and XXXX said she would send me a letter stating the forbearance was thru XXXX and that I would not get foreclosed on for the missed payments of the cares act. Then, I never got a letter and wells fargo said they were investigating it. A XXXX XXXX  called me and said wells fargo must research this issue, but they want to research it past XXXX, which would be a payment I am supposed to receive a forbearance for. I made my XXXX payment, and XXXX payment, out of fear wells fargo would foreclose, and now I must make my XXXX payment because wells fargo is investigating whether or not I get the forbearance. XXXX XXXX refused to talk about the cares act, and lied by omission that I should receive a 6 month forbearance under the cares act if I attest that I am affected, of which I am. She refused to acknowledge the law, and was so unprofessional that it borders on negligence for failure to disclose the laws enacted by congress. She can not actively lie by omission.

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 2020-05-08 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didnt think much of it and went to get a new social security and DL. I continued with my everyday life an dnever had an issue. Just a couple of days ago I decided topul my credit because I continued to get suspicious letters in the mail. I looked at my report and Im shocked with the number of items that were opened on my name. these suspicious items are not mine. please remove them from my report. XXXX XXXX XXXX {$950.00} XXXX  XXXX {$420.00} XXXX  XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX  XXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX  XXXX XXXX {$0.00}

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 2020-05-08 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didnt think much of it and went to get a new social security and DL. I continued with my everyday life an dnever had an issue. Just a couple of days ago I decided topul my credit because I continued to get suspicious letters in the mail. I looked at my report and Im shocked with the number of items that were opened on my name. these suspicious items are not mine. please remove them from my report. XXXX XXXX XXXX {$950.00} XXXX  XXXX {$420.00} XXXX  XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX  XXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX  XXXX XXXX {$0.00}

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 2020-05-08 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: GA

Complaint narrative:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, that do not pertain to me and are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$120.00} XXXX  XXXX  XXXX  XX/XX/XXXX {$360.00} XXXX  XXXX  XXXX  XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX ( Transunion ) XXXX. XXXX, XXXX {$150.00}

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 2020-05-08 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX XXXX {$4000.00} XXXX  XXXX/XXXX  XXXX {$580.00} XXXX  XXXX/XXXX  XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX, XXXX, XXXX, XXXX  XXXX {$3600.00} XXXX XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made my payment on XX/XX/2020 @ XXXX XXXX. Capital One payment cut off is XXXX I advised them that the day ends at XXXX XXXX   not XXXX. So the fact that they capital one is putting this payment for XX/XX/2020. This is a false Payment by capital one and not by the consumer. Capital one refuses to change the information however the next business day is XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: S&N Debt Solutions, LLC
State: IN

Complaint narrative:
I enrolled four accounts in a debt settlement program with Beyond Finance in XXXX, XXXX. In XXXX, I removed two accounts from the program. I paid upwards of {$500.00} per month into an escrow account, for a current total of {$3900.00}. 

As of XX/XX/XXXX, they had not settled either of the remaining accounts. On XX/XX/XXXX, I asked to close my account and have the money in my escrow account returned immediately. The customer service representative I spoke with said that the full amount in my escrow account would be returned to my bank account within 7-10 business days. Today ( XX/XX/XXXX ) marks 10 business days, and the amount has not been deposited in my account. I spoke to two separate customer service representatives on the phone, one of whom said that my account was still pending and the second of  whom said that I should receive my money no later than Monday ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Capital One is constantly making inquiries about my credit and it causes me credit score to drop ... I have not applied for a credit card from them so there should be no need for them to always make inquiries. I attached an image showing 2 inquiries in the past several months and looking at my credit report see that Capital One makes yearly inquiries and it takes 24 months for them to be removed. 

I do not have a Capital One credit card or any other type of credit from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello, I have a capital One credit card. Ive had this credit card line over 10 years. I recently had a late payment 0f {$25.00} on XX/XX/XXXX. I then paid {$240.00} on XX/XX/2020. at the time I was sick due to my XXXX and not working as much as I needed to, so I didn't have the minimum balance to pay on the credit card. this was also the beginning of the COVID-19 pandemic. I work for a majorXX/XX/XXXX and my hours had been drastically reduced along with me having to be off sick most days. once I received a check I put a significant amount on the credit card 4 days later. prior to that I had not been late in a long period of time.Ive contacted capital one on three different occasions asking for this late payment removed as a courtesy. I waited on hold two hours each time. The first agent told me it was not possible for them to remove the item ; which is not true. The next agent didn't even bother to assist me and was very rude.The third agent says she tried but the system would not allow her to remove it and she didn't know why. I no longer know what to do or who to speak with to resolve this. To show good faith I had the third agent put my account on auto pay to prevent a late payment from happening in the future. Even after doing that I was still left with the late payment on my account. I am a single mom trying to purchase my first home for me and my child, im working hard to settle my debts and get my credit in order. I am desperately asking for some assistance in doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, that do not pertain to me and are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX ( XXXX  ) XXXX. XXXX, XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, that do not pertain to me and are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX ( XXXX  ) XXXX. XXXX, XXXX {$150.00}

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 2020-05-08 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$4000.00} XXXX XXXX/XXXX  XXXX {$580.00} XXXX  XXXX/XXXX XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX, XXXX, XXXX, XXXX XXXX {$3600.00} XXXX XXXX {$15000.00}

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 2020-05-08 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$4000.00} XXXX  XXXX/XXXX XXXX {$580.00} XXXX XXXX/XXXX  XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX, XXXX, XXXX, XXXX XXXX {$3600.00} XXXX XXXX {$15000.00}

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 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
On XX/XX/2017 I provided XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) the required written notice, within the required time, to formally notify them that I was exercising my right to terminate the Apartment Lease Contract between me and XXXX XXXX XXXX as was outlined under paragraph 31 of the lease contract ( Responsibilities of Owner ) for their failure to perform timely maintenance. Rent was paid in full and no amounts were due through my last day of tenancy ( XX/XX/2017 ). They clearly failed to perform on more than one occasion for the same issue never being addressed until after my notification of termination. Despite multiple attempts to inform their corporate billing offices of the situation, the information was ignored and never resolved in the manner it should have been if they had a legitimate dispute. Incorrect billing of amounts not owed was passed on to XXXX XXXX XXXX for collections resulting in an false unpaid amount of {$2300.00} being reported as derogatory on my credit report. Extensive documentation is being included with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize Liberty XXXX to allow inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: CA

Complaint narrative:
I discovered an account that does not belong to me from a company called XXXX XXXX. I was made aware of it today XX/XX/20 when I was rejected from renting an apartment that I applied for due to this account being in negative standing. This account does not belong to me and I did not allow anyone to open this account on my behalf using my personal information such as my name, social security number or address. I did not benefit anything form this account and I did not make any payments to this account. I am not affiliated with this company whatsoever nor do I have any formal contract or agreement with them. I have filed a complaint with the Consumer Financial Protection Bureau as well as a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation