vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
so I have been Wells Fargo for the last couple of weeks to show my loan paid in full it was paid off 3 weeks ago and they refuse to mark it paid in full on the credit bureau I have dealt with a couple of managers and this XXXX XXXX thinks she is god and will not report it until next month I am trying to buy a house and need this balance gone from my credit report. I am upset they will not report this correctly with the credit bureaus and I want this done ASAP this XXXX XXXX is very rude and won't lift a finger to help the credit still shows open and I owe XXXX it should be XXXX i even proof and they sitll won't do 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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
I was notified on XX/XX/XXXX that Convergent Outsourcing, Inc., had put a collection notice on my credit reports with XXXX and XXXX, which was apparently reported on XX/XX/XXXX. This is for XXXX XXXX. 

In XXXX or XXXX XXXX, I contacted XXXX XXXX. They apparently provide cable in XXXX XXXX, which is where the account was set up. I have never lived in XXXX XXXX and have never opened any type of account with XXXX XXXX. I had never even heard of them. 

XXXX XXXX informed me that the account was fraudulently opened and is identify theft in XXXX. A police report was filed with a police department in the City and State where I live. 

Previous reports on my credit report of this debt from a different agency were removed in approximately fall or XXXX of XXXX. XXXX shouldn't be allowed to continue to mess with my credit this way. I've submitted disputes again against the Convergent Outsourcing, Inc. reporting. They shouldn't be able to do this either.

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 2020-10-30 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:
Hello, My name is XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint concerns Experian accessed via the URL usa.experian.com For several months I have been unable to login to my account on Experian. I tried the self-service tools on the website for UserID and/or Password recovery but they do not work and always lead to a message instructing you to call Experian customer service. I have tried calling Experian customer service dozens of times over a period of months but the automated voice response system often disconnects the call requiring you to call again. Not once have I ever reached a representative to assist me with my problem. 

I still receive email alerts from Experian but without the ability to login to my account I am unable to intelligently react to these alerts.

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 2020-10-30 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:
Dear XXXX/XXXX/ Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: FL

Complaint narrative:
Dear Experian/XXXX/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-10-30 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have a XXXX XXXX XXXX where I make a XXXX dollar minimum payment. I recently have gone through financial hardship and have been late on making one payment in XXXX of XXXX that was 30 days late. Since then I have paid off the card and have been current ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: ERC
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I wanted to visit XXXX XXXX, Oregon. I called first to the hotel and was assured they were adhering to the mask mandates for COVID. I was assured by the general manager that their policy was " no masks no service '' and they were adhering to rules related to cleanliness. On XX/XX/20 I made a reservation with my credit card. On XX/XX/20 I drove there only to find a small hotel lobby very crowded with almost everyone not wearing masks. The general manager and her employee were not wearing masks and were checking in people, entire families, without masks. In the parking lot were license plates for every state in the western USA. So I waited until it cleared out and went in and nicely asked the manager why she wasn't wearing a mask, and why they were not adhering to the " no masks no service '' rules she promised me. She refused to respond. I nicely asked for my deposit back and I didn't want to stay there, and they said no, that I had to ask for a refund fund more than 24 hours before my reservation date. So I was trapped. I couldn't sleep in my car, I could n't drive home as it was too far, so I stayed the night and left XXXX the next morning. My trip was ruined. I was worried about my exposure. My doctor had me self quarantine for two weeks after the trip. I filed a complaint with OSHA and I was told the hotel got in a lot of trouble. I contested the charge with Bank of America. What a nightmare that was. All attempts to send them copies of the OSHA complaint failed, " we never got it ''. All attempts to talk to them and explain the situation failed. Their policy is irregardless of life threatening situations and things being not as described because I did stay the night my contested charge failed. All attempts to appeal this or talk to BofA have failed. For instance today I called and got two young women who had no idea what I was supposed to do. They were completely unhelpful when all I was asking was what is the procedure to appeal. Under the Fair Credit Billing Act, which BofA is no longer adhering to, I have rights. But in the last few years those rights have gone from BofA helping me, the customer, to now making it difficult to contest a charge and more often than not siding with the merchant. The " not as described '' are now ignored by BofA. The " goods '' in this case where lodging and it was provided " not as agreed ''. But BofA doesn't care about that part of the law anymore and it's almost impossible to even speak to a person in the USA. For two hours this morning I spoke to young women in a foreign location who had little or no training related to 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 2020-10-30 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: Selene Holdings LLC
State: NJ

Complaint narrative:
Selene Financial XXXX is not complying to the fully executed forbearance / modification agreement, terms & conditions of modification agreement. This problem has been continuing for over 4 months and have not been resolved. I have spoken to them more than 4 times and have also written them certified and regular mail letters to get the problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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:
Hello, My name is XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-10-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent letters out certified over 90 days ago and still have not been notified. I understand things may be slower now because of the times we are in but as a consumer at this point i feel like they shouldn't have the right to take advantage of ordinary people. Enough is enough, something must be done. I'm a single mother of XXXX and life is hard enough as it is without having this extra burden on my shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OR

Complaint narrative:
XX/XX/XXXX I dropped down to part-time at the hospital where I have been working since graduation in XXXX. I have submitted regular ECF throughout my employment all previously have been approved for the PSLF. 

In XXXX I submitted two ECF to account for the period between XXXX XX/XX/XXXX and XX/XX/XXXX in which I was still a FULL-TIME employee and from XXXX to present to indicate my current PART-TIME status. FedLoan Servicing incorrectly deemed the period of XX/XX/XXXX to XX/XX/XXXX as unapproved employment and failed to count this period of payments towards my PSLF. 

I have contacted the company three times regarding this error which has been " in review '' since XXXX. After my XXXX inquiry I received an email saying that it was STILL in review and I would be contacted when that has changed. It is nearly XXXX and I still have not had this matter resolved. 

It is concerning to me that FedLoan can not accurately account for a simple status change which is labeled clearly on the paperwork I submitted. How can they be trusted to handle more complicated situations in which a person has two part-time employers counting towards PSLF. 

This error which resulted in me not being credited for 9 months of payments towards my PSLF must to addressed and resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
A judgement was placed again me in California while I was living in Arizona. I was a victim of identity theft, and I had my purse taking. I have try to communicate with the company overseeing the account in collection. Today XXXX XXXX refused to send me a copy of the original debt claiming the company Kenosian & Miele LLp mailed it in the past. Not true I have never receive a copy of the originally debt in all my years of requesting it. I never had a contract with XXXX XXXX XXXX A New York Partner prior to finding out about this judgement. The company they represent has sent me a refund check. I only receive the copy of a California judgement. It very unfair and unconstitutional not to see the changes against me. By refusing my request and still insisting I pay while calculating accruing interest I am being treat unfair and unreasonable. When I make a complaint they go away for a while and a year or so come back. These debt collects should show the real debt is accurate and if its real and true. These lawyers learn how to take advantage or the consumer because they are financial bullies to the average low income consumers ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received a debit card I didn't request from Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTECH DIVERSIFIED, INC.
State: CO

Complaint narrative:
Collectech Diversified has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. 




This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( I ATTACHED THEIR " VERIFICATION '' ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated. I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2020-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
Radius Global does not belong to me. I have called them and they have no records of 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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: IL

Complaint narrative:
I checked my credit rating and found that my credit number had decreased. It was reported that I have a debt in collection. I did not make this debt and I have no knowledge of it, nor do I have any account with this company. 
The collection agency is the following : CBA Collection Bureau of America The company placing the collection is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northeast Recovery Solutions, LLC
State: IN

Complaint narrative:
They keep calling after I have told them to send me something writing and they refuse to.

Company response to consumer: Untimely response