vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 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: Worth Finance Corporation
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME : WORTH FINANCE CORP. 
OPENED : XX/XX/14 XXXX. XXXX I HAVE PROVIDED THEM WITH A POLICE REPORT AND ID THEFT REPORT, THE SAME ONE I AM  UPLOADING TO YOU.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANKUNITED, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at XXXX XXXX. It was reportedly sent to BankUnited. BankUnited claims these funds were never received and XXXX states funds were withdrawn and I would need to talk to BankUnited. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To BankUnited, N.A. XX/XX/XXXX Bill payment {$2200.00}. 


The Trace number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
The response to below complaint was not able to view or download, needless to say, not resolved. I spoke with a XXXX XXXX I believe her name is on XX/XX/XXXX, was provided information pertaining to check and requested it be reissued, issue unresolved for several months since XXXX. Please so below complaint.. 

I've been attempting to resolve an issue pertaining to a fraud check, the item was issued to myself on or around XX/XX/XXXX, the amount of {$5100.00}. The check was intercepted by another party, signed and cashed in my name, no funds received from it. An affidavit was filled out and sent in along with check copy, I've attempted numerous times to resolve issue with Wells Fargo, the last information I have is the funds from check were credited back to Wells Fargo account check was issued from ... This information is from an XXXX at XXXX, we spoke on XX/XX/XXXX, she stated the credit was made on XXXX back to Wells Fargo. The claim number is XXXX. Ive since attempted to find out if and when check will be reissued, I've called several numbers ranging from the executive office phone bank, customer service, as well as research number at XXXX. It appears Wells Fargo will not reissue check, there may be an underlying issue I am not aware of. I've filed past CFPB complaints about this issue, Wells Fargo reps provide a general from reply which does not address issue. The from reply states in part, " Numerous attempts to address concerns, exhausted all resources '' I will again assure the CFPB this is first off, a form reply ... .Second, it is a lie, there have been no such attempts such as reaching out by phone, email or otherwise to reach me to resolve issues. If there were such attempts, they would be noted and they are not..

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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and the account in question is XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX XXXX ( Executive Office of Customer Advocacy ) to discuss the accuracy of reporting using their system generated data being reported to your computer data. 

He advised that according to XXXX, XXXX, and Transunion the discharge date of the bankruptcy filed XX/XX/XXXX was discharged XX/XX/XXXX in which this is where XXXX got their information from. In addition, he also advised that the first date of delinquency was XX/XX/XXXX and was reported 60 days late on XX/XX/XXXX. According to XXXX, the first date of delinquency is XX/XX/XXXX and there was a balance of {$1600.00} which is not indicated on either report. 

Why is there not a payment history for XXXX  or XXXX  to reflect the reporting and why was the payment history removed? As there is no uniformity or consistency amongst the reporting. 

Please send me copies of the documents that you have in each of my files for XXXX, XXXX, and XXXX. files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

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 2020-04-29 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have filed a complaint with XXXX  and it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
I have filed a complaint with XXXX  and it has been well over 30 days.

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 2020-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Under the CARES Act, I requested a 180 day deferral from Wells Fargo. I was told that they do not offer this at the moment, and would need to see if I am eligible for this long of a deferral as they currently have me on a 90-day deferral which was completed before the CARES Act was passed.

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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The company is reporting inaccurate information on 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 2020-04-29 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: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and the account in question is XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX XXXX ( Executive Office of Customer Advocacy  ) to discuss the accuracy of reporting using their system generated data being reported to your computer data. 

He advised that according to XXXX, Equifax, and XXXX  the discharge date of the bankruptcy filed XX/XX/XXXX was discharged XX/XX/XXXX in which this is where XXXX got their information from. In addition, he also advised that the first date of delinquency was XX/XX/XXXX and was reported 60 days late on XX/XX/XXXX. According to XXXX, the first date of delinquency is XX/XX/XXXX and there was a balance of {$1600.00} which is not indicated on either report. 

Why is there not a payment history for Equifax or XXXX  to reflect the reporting and why was the payment history removed? As there is no uniformity or consistency amongst the reporting. 

Please send me copies of the documents that you have in each of my files for XXXX, Equifax, and XXXX. files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and the account in question is XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX XXXX ( Executive Office of Customer Advocacy ) to discuss the accuracy of reporting using their system generated data being reported to your computer data. 

He advised that according to Experian, XXXX, and XXXX  the discharge date of the bankruptcy filed XX/XX/XXXX was discharged XX/XX/XXXX in which this is where XXXX got their information from. In addition, he also advised that the first date of delinquency was XX/XX/XXXX and was reported 60 days late on XX/XX/XXXX. According to Experian, the first date of delinquency is XX/XX/XXXX and there was a balance of {$1600.00} which is not indicated on either report. 

Why is there not a payment history for XXXX  or Experian to reflect the reporting and why was the payment history removed? As there is no uniformity or consistency amongst the reporting. 

Please send me copies of the documents that you have in each of my files for Experian, XXXX, and Experian. files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

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 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: PA

Complaint narrative:
I'm trying to cash out from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2020-04-29 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND USED THE CREDIT CARD FOR THEIR BENEFIT, THE CHARGES AND THE CARDS ARE FRAUDULENT. I DON'T KNOW HOW TO REMOVE THESE FRAUDUELENT ACCOUNTS 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 2020-04-29 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 get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$330.00} XXXX   XXXX {$940.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
These were unauthorized charges to my Citibank XXXX  XXXX   card. The unauthorized charges are as follows : 1. XXXX XXXX in the amount of {$69.00} on XX/XX/XXXX - Citibank rule in the merchant 's favor 2. XXXX charge in the amount of {$200.00} on XX/XX/XXXX - Citibank once again rule in the merchant 's favor I have over 15 years of relations with Citibank ... I have an excellent repayment history and almost perfect credit, hence paying off my credit card balances. Therefore I am not using my card for purchases. It appears that Citibank ruled in a consumer favor if the charges are smaller but for larger purchases, they are ruling in the merchants ' favor. 

Please provide any help that you coule provide as I truly did not make the purchases. thank you and stay safe!

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 2020-04-29 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: IL

Complaint narrative:
The company is reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The company is reporting inaccurate information on 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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME : XXXX XXXX XXXX. 
OPENED : XX/XX/14 AMT. XXXX I HAVE PROVIDED THEM WITH A POLICE REPORT AND ID THEFT REPORT, THE SAME ONE I AM UPLOADING TO 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 explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I initially contacted RentDebt Automated Collections about an debt they were attempting to collect. I disputed the alleged charged because it appeared to be inflated, which they received in their office on XX/XX/XXXX. RentDebt sent a statement breakdown and partial of a lease agreement where several pages were missing. This final account statement shows a reletting charge of {$1400.00} however the lease agreement shows a reletting fee of {$1400.00} which is clear an upcharge of {$21.00} was added to the amount despite what the agreement shows. 

Additionally, the final account statement shows a lease termination fee of {$1500.00} but this is no where in the agreement. 

On XX/XX/XXXX RentDebt received in their office another letter from me via certified mail receipt number XXXX XXXX XXXX XXXX XXXX pointing these exact discrepancies. To this very day they have not responded to me to clear up and justify these alleged charges. Just as well they continue to report this account on my and my husband 's credit profile. They are misrepresenting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Upon New Rez taking over servicing they have attempted to force place insurance to add wind coverage to an H06 policy several times. There is a master HOA policy in place that covers the unit up to the full replacement cost. The LTV is less than 50 %. We have NEVER been forced to have wind coverage for the contents. This coverage is completely unnecessary and is not required of any of the other property owners in the complex who had the good fortune of not have their loans serviced by NewRez. In the past, New Rez has eventually cleared the matter, but it takes hours. This time they are unwilling to accept the insurance provided. None of the policies or coverages have changed in the past 6 years and this only became an issue once New Rez took over. To make matters worse, their agents are rude and condescending. This company is the company that gives servicers a bad name, and this this case the bad reputation is well deserved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation