vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX has closed my auto loan account with the status of " charge-off '' for a past due amount of {$2900.00} in error. XXXX has already received payoff for the loan, as shown by the three attachments : 1 ) loan payoff receipt from XXXX ; 2 ) loan payoff guarantee for {$48000.00} from XXXX ; and 3 ) loan payoff confirmation from XXXX. Feel free to reach out to XXXX directly at XXXX referencing my claim # XXXX and ask for the manager, XXXX XXXX. We have already attempted to resolve the issue with XXXX through several phone calls on these dates : XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. We have e-mailed them as well. However, XXXX has been unresponsive. Also, they no longer have a phone number, only an address, listed for credit report disputes.

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 2021-03-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Regarding our 2nd mortgage that was sold to the SLS company years ago which they have not sent a mortgage statement for years and we have not made payments for about 8 years or more. Now we are receiving statements and we submitted 2 mortgage relief applications last year in which they lowered the interest but asking a big lump sum payment of about XXXX as a down payment. They keep sending letters with all our options to give them a call so we tried again the 3rd time and got the same option this time they said congratulations we have approved you for mortgage relief option but have asked now XXXX ( Please see attachment ) which we do not have the amount they are asking for. We are reaching out to your bureau for assistance in negotiating with them that is affordable. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: NC

Complaint narrative:
A while back, I had a loan with Opportunity Finance that went into collections. But several months back I contacted them and arranged a settlement to resolve the account that they agreed to. This arrangement was made and fully funded in XXXX of 2020. Despite that, Opportunity continues to report that there is an outstanding balance on this loan. I've disputed the account several times with the credit bureaus, and even called Opportunity Finance and asked them to fix this ; but this account still shows as unresolved on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2021-03-12 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: U.S. BANCORP
State: AZ

Complaint narrative:
I have three credit cards with U.S. Bank that were paid in full and closed in early 2018. I then submitted a letter that I have a copy of because when I called and they have a record of my phone calls they said I had to submit the letter in writing which I do. I did not close the account and a relative who is deceased use the card I moved and by time I found out about it they said it was too late to dispute. Us bank promise me that they would remove it from my three credit reporting agencies they have not done that they have said very rude and remarks that are discriminating against me, they have provided wrong information as well and refused to correct it.

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
It was a recorded call from XXXX XXXX XXXX XXXX at XXXX saying I could get 18 months interest free. I pushed one to speak with a representative. I ask who was calling, he responded Capital One Credit Card. I told him I had no busy with them and asked to be removed from their calling list. He asked if I had no business with Capital One? I said no and again asked to be removed from their calling list. He told me NO. I said ok and asked to speak with his supervisor. Again he told me NO. I reinterated. He said NO and I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MYNAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX OHXXXX. SS XXXX XXXX. I have already done a dispute and I was told that I was not the one filing the complaint???? 
PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Tri-Emerald Financial Group, Inc.
State: CA

Complaint narrative:
I applied for a refinance with Lendplus XX/XX/2020 and was told by XXXX XXXX that the process would take around 2-3 months so I assumed that the rate lock would reflect that. The delays are now being blamed on me when that was not the case. I have always turned documents around within 24 hours. The documents they are stating was delayed were the ones requiring wet signature which they first said they could use docusign for. Later, they said they couldn't take the docusign and I needed to produce a wet signed document. They blamed this week for the rate expiring even though they said they were swamped with refi processing and the process would take up to 3 months. As a result the closing documents do not reflect the points I initially would have to pay. At no point until i received the closing documents did they tell me that the points cost to extend would be passed to me

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 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Due to Covid related reasons, I had to leave my job in XXXX in XX/XX/XXXX and I moved to a new location farther than 25 miles from the gym. I sent XXXX an email on XX/XX/XXXX after repeated calls explaining this information. See this email attached. XXXX did not respond to these calls or emails. The next communication from XXXX is on XX/XX/XXXX about their plans to reopen. I reply to this email. Again explaining my situation, and receive no response from XXXX. Now, in XX/XX/XXXX, I have received two separate bills relating to XXXX. One claims I own {$240.00} the other instead claims that I own {$140.00}. I had a valid reason to cancel my contract in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wrote to JP Morgan Chase Bank- JPMCB to appeal their decision to deny/decline my application for a XXXX XXXX XXXX account. In a letter I recieved from JPMCB dated XX/XX/2021, they stated that their decision was based on information found in my XXXX  credit report. JPMCB 's letter stated the following reason ( s ) for not approving my application : Delinquency or other derogatory relationship with your bank Insufficient balance in deposit and investment accounts with your bank Too many requests for new credit in the past 2 years One or more accounts are over the credit limit First, my middle FICO credit score is over XXXX and my gross annual income is over {$270000.00}. JPMCB 's own letter stated that my credit score was XXXX. Furthermore, JPMCB 's letter states, " scores calculated can range from a low of 250 to a high of 900-higher scores are better. '' I do NOT have any accounts whatsoever in my credit reports, including XXXX, that are over the credit limit. In fact, all credit cards under my name are at a XXXX balance with a combined available credit limit exceeding {$89000.00}. Secondly, JPMCB 's credit card application does not explicitly state that an applicant must have a balance with Chase Bank or that the XXXX XXXX credit card requires a deposit with JPMCB Bank. One entry in my XXXX Credit Report listing JPMCB- Auto Finance was an error reported by XXXX XXXX I have never had an auto loan with JPMCB- Auto Finance. Upon receiving JPMCB 's letter dated XX/XX/2021, I contacted XXXX to dispute this entry, and it has since been removed, see attached. I believe JPMCB may be engaging in discriminatory practices in granting or deny credit to certain consumers. I respectfully request that you inquire wit JPMCB on my behalf and other applicants with similar profiles. 

Thank you very much for your consideration and attention to this request. 

Sincerely, Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have a total credit limit of approximately {$100000.00}. I have established credit since XXXX. Since that time, I have never missed a credit card payment. 

I acquired XXXX in the month of XX/XX/XXXX. 

My credit report shows that I am delinquent for one month with my XXXX credit card the month of XXXX. 

My FICO 8 scores before this were : XXXX, XXXX and XXXX. 

Now they have dropped 100 points. 

Given my record and history of excellent payment, and also when I learned about the little apparent late payment with XXXX / XXXX, On XX/XX/XXXX I made a full payment in the amount of {$2500.00}.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
<FORMER ADDRESS> XXXX XXXX XXXX XXXX, # XXXX. XXXX AZ. XXXX XX/XX/18 I have never in my entire 61 years lived in AZ. 
I have lived in XXXX XXXX XXXX XXXX XXXX XXXX and XXXX but never ever AZ.

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 2021-03-12 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please deleted the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: FL

Complaint narrative:
I sell cars for a living and few years back i lost my wallet with all my social, driver license and credit cards in it. I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to get a home for my family and i. I saw a few accounts on my profile that i have no idea about. there is a few of credit inquires at dealerships. I am not looking for nothing at all. I did not authorized them. I already have 1 car why would i need another? I reach out to the credit bureaus XXXX XXXX and transunion regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.

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 2021-03-12 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: FL

Complaint narrative:
I sell cars for a living and few years back i lost my wallet with all my social, driver license and credit cards in it. I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to get a home for my family and i. I saw a few accounts on my profile that i have no idea about. there is a few of credit inquires at dealerships. I am not looking for nothing at all. I did not authorized them. I already have 1 car why would i need another? I reach out to the credit bureaus XXXX equifax and XXXX regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MYNAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX OH,XXXX. SS XXXX XXXX. I have already done a dispute and I was told that I was not the one filing the complaint???? 
PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OHXXXX

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 2021-03-12 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: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MYNAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX OH,XXXX. SS XXXXDOB XXXX. I have already done a dispute and I was told that I was not the one filing the complaint???? 
PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OHXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021, I attempted to transfer the amount of {$2500.00} between XXXXXXXX XXXX and Wells Fargo bank. The funds were withdrawn from XXXX Bank on XX/XX/XXXX. The transaction was declined and marked as " fraud '' on XX/XX/XXXX by Wells Fargo, even after I cleared it with the bank first that it would not be an issue to transfer funds directly between banks. 

On XX/XX/2021, I received an email that the transaction was mistakenly flagged as fraud. In the email, it states that a woman named XXXX XXXX was to be managing my case, but yet there is no direct contact to her listed or any resolution provided. Additionally, she never reached out to me again, which the email also states she would do. 

I then went into the bank in person to file a complaint on XX/XX/XXXX in XXXX, PA because I was moving to Texas and I needed access to the funds immediately -- that is why they were being deposited. Management at Wells Fargo was not knowledgeable or capable of carrying out their function as staff, and they were not able to help me and told me I had to wait up to 5 business days for the funds to be re-deposited. This is my rent money. I waited the 5 days and proceeded to call back multiple times. It is now XX/XX/2021, and I STILL do not have access to my {$2500.00} or a resolution. I have called into the company over XXXX separate occasions and have been hold on the phone for greater than XXXX hours total, speaking with multiple representatives from Wells Fargo ( XXXX and XXXX being two of them ) and nothing has been done. 

It is completely unacceptable after filing multiple formal complaints that we are now going on the third week, and the {$2500.00} is missing from my account. I was promised on I have taken every step as a customer to ensure I get the money that I deposited put into my account. It is my money and I am entitled to it. Wells Fargo is not doing anything to solve this issue, and I will now be seeking legal counsel in addition to filing this complaint with the consumer Financial Protection Bureau

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