vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 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:
PLEASE HAVE THE FOLLOWING ACCOUNTS PURGED OFF MY CREDIT REPORT, FOR THEY HAVE BEEN REPORTING INACCURATELY ON MY 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 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a home loan mortgage with Wells Fargo mortgage. On XX/XX/XXXX, I was laid off from my job and I contacted Wells Fargo to tell them I would be late and the XX/XX/XXXX payment. 

Wells Fargo offered me a month-to-month deferral up to six months if I was still laid off. I paid one of the payments during the six months and started a new job on XX/XX/XXXX. 

Wells Fargo offered me a new restructured payment schedule for my Mortgage stated that everything was OK and I did not have to make a payment until XX/XX/XXXX1. They stated that my XX/XX/XXXX payment was OK I didnt have to pay Wells Fargo offered me a new restructured payment schedule for my mortgage stated that everything was OK and I did not have to make a payment until XX/XX/XXXX. They stated that there was no payment due on XX/XX/XXXX. 

At this point, I thought everything was taken care of. And XX/XX/XXXX, I noticed on my credit report that they submitted that I was five months in arrears on my mortgage payment. That is incorrect on XX/XX/XXXX, I was not in any arrears we made an agreement to refinance these payments. 

I contacted wellsfargo and they state that this is all my fault they reported every single month that I was behind in payments not just the one. If this is correct from them why was it not on my credit report? I was denied the right to fix this situation without it going more than one month in arrears. I couldve sold stuff I couldve gone into my 401 ( k ) I could have done something if I was alerted that my credit report was being negatively affected. I was denied this right to save my credit. 

They are blaming this on the credit reporting bureaus. They stated that during the six months the credit reporting bureaus regard this as a hardship deferral or something like that. If this is true why would a 5 month late report be entered AFTER this was all taken care of.

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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Contacted TransUnion on XX/XX/2020. My FICO Score was XXXX. A key factor affecting my FICO score, according to TransUnion, is that I do not have any loan activity. This is inaccurate. I have a mortgage loan ( which TransUnion fails to report ) and a line of credit ( which TransUnion also fails to report ). When asked why they fail to report both loans, they stated the loan company was not paying TransUnion to report my loans. SInce TransUnion does not correctly report my information, TU should not be reporting my FICO Score nor stating there is no loan activity when there clearly is loan activity. If TransUnion wants to report on me, it needs to be accurate.

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 2020-02-17 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:
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: VA

Complaint narrative:
The insurance premium on my XXXX XXXX XXXX XXXX policy on a second home is going up 15 % based upon a score of XXXX ( out of XXXX ) provided by LexisNexis Risk Solutions XXXX Inc., which is both arbitrary and capricious under the surrounding circumstances. E.g., my XXXX   credit score based on the same or similar information used by LexisNexis is a XXXX ( out of XXXX ), or 97.4 % of the highest available score. By comparison, my insurance score should be about XXXX, not XXXX. Further, each of the four primary factors cited in the XXXX XX/XX/2020 letter from XXXX XXXX as the reason for the " insurance score '' that resulted in the adverse action letter ( and a bill for a 15 % higher annual premium ) is arbitrary and unreasonable both on its face and under my individual or joint financial circumstances, particularly the 2 reasons cited that relate to LexisNexis ' own apparent ignorance and/or lack of information ( Codes 0909 and 0911 relating to " INSUFFICIENT INFORMATION ON DEPARTMENT STORE ACCOUNTS '' [ and ] " PERSONAL FINANCE ACCOUNTS '' ). I tried to directly contact LexisNexis at the toll free phone number provided by XXXX XXXX on Monday XXXX XX/XX/2020 to dispute the inaccurate information and " insufficient information '' bases of the score, but was only able to request a report ( which I had already requested on-line ). My repeated attempts to reach an agent or representative were not recognized by the AI system available via the toll free number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I have reached out to this business plenty times for verification unfortunately they have not responded! I never lived at this address nor do I know anyone. Please remove from report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: The Bureaus, Inc.
State: NY

Complaint narrative:
There is a fraudulent account reporting on my credit file ; The Bureaus ( Original Creditor XXXX XXXX XXXX_XXXX XXXX This account was opened fraudulently and currenly has a balance of {$1000.00}. 

I have requested multiple times for this account to be dissociated from my name, and to be removed from my credit. 

As of XX/XX/2020 its still continuing to report on my credit. Please remove this fraudulent account from ALL three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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:
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this 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 non-monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
us dept of ed/XXXX is a negative account, account no XXXX .... appearing, wrongfully with damage to my credit rating on experian and transunion accts. 
The famously wrongdoing creditor was cited recently in the news as one of their chief executives quit because he couldn't stand the chaos.He said we get over 500000 requests for credit correction per month.They are not being investigated but verified without any investigation on the part of the creditor.This executive was 2nd or 3rd in power to XXXX, the presidents new appointee to head the DEPT OF EDUCATION. 

ON MY ACCOUNT THE FINAL PAYMENT WAS MADE BY ME ON XX/XX/XXXX. 
I NEVER MADE A SINGLE PAYMENT AFTERWARDS, THE DATE OF FIRST DELINQUENCY IS XX/XX/XXXX LEADING TO CLOSURE/TRANSFER.THIS ACCOUNT ACCORDING TO CURRENT CREDIT LAW OF CALIFORNIA SHOULD HAVE BEEN DELETED NO LATER THAN XX/XX/XXXX.YET BOTH BUREAUS CONTINUE TO REPORT WITH THEIR INACCURATE PAYMENT HISTORIES AND ILLEGAL DAMAGING REPORTING, QUITE GRAVELY SO WITH STATUTORY DAMAGES ACCORDING TO THE FCRA

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 2020-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX Credit Report confirms BANK OF AMERICA Account STATUS OPEN opened XX/XX/2004 Limit {$6.00}, XXXX  XXXX  Bal. THIS APPEARS AS AVAILABLE CREDIT PREVENTING MORE CREDIT. * Also Credit Report confirms NO PAYMENT HISTORY HAS BEEN REPORTED BY THIS CREDITOR. I believe THIS FIX WILL INCREASE MY CREDIT SCORE when accurately reported by Bank of America. I HAVE EXCELLENT CREDIT THEY DO NOT REPORT? I request this status be closed AND I request my good credit BE REPORTED TO ALL 3 CREDIT REPORTING COMPANIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I received a debt collection letter from diversified Adjustment, Services on behalf of XXXX XXXX for {$2600.00}. I immediately called XXXX XXXX, as the collection agency was closed. I was informed that I had opened three lines of service at one of their wireless stores almost 200 miles away from where I lived. They said this took place on XX/XX/XXXX. This was the first letter I had ever received and first knowledge of this account. They said in order to open an account in store I would have had to show my ID as well as give my social security no. This was NOT ME. I closed my account with XXXX XXXX in XXXX of XXXX. I have since been with XXXX and now XXXX with the same phone number as I had with XXXX XXXX. I feel that perhaps the customer service person at XXXX XXXX helped someone commit fraud or did not properly check identification as there are no other suspicious activities on my credit reports. I have, this date, XX/XX/XXXX, frozen all three credit agencies as I am afraid of having my identity stolen again and that there could be other accounts out there in my name that I am not aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This account is over a year old, my credit limit is {$4000.00}, my current balance is {$1200.00}. Today my card was declined twice and account is " currently restricted. '' I have never missed a payment and in fact have generally made payments in triple the amount due. My account has never been in arrears or even late. 

Today I called them to ask why my card was declined, they didn't know. Nor could they explain what it says " account restricted '' on the front of my online statement. I don't know what game they're playing here but am fairly certain this is no way to treat customers or run a business. If there isn't a law against this malfeasance, there should be. 

Now I have a useless credit card in my wallet, it is the ONLY credit card I have. The company offers no resolution to a problem they themselves created, nor an answer to any of my questions. I guess it's not enough they charge an outrageous interest rate ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Ive been in Active chapter XXXX bankruptcy since XX/XX/XXXX. Quicken Loans has been and continues to assign Auction Dates to my home. Ive complied to all terms and conditions of the bankruptcy. My attorney has requested multiple times for them to stop the foreclosure process and assignment of Auction dates. As recent as XX/XX/XXXX my attorney called and demanded they stand down on all foreclosure proceedings. The request was ignored and a new auction date of XX/XX/XXXX has been assigned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
There is a fraudulent account reporting on my credit file ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX_XXXXy XXXX- This account was opened fraudulently and currenly has a balance of {$1000.00}. 

I have requested multiple times for this account to be dissociated from my name, and to be removed from my credit. 

As of XX/XX/2020 its still continuing to report on my credit. Please remove this fraudulent account from ALL three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 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:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$990.00} on the XXXX XXXX XXXX., - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I never opened up an account with XXXX  and never gave permission for an account to be opened in my name. Furthermore, the company is inactive. Please see page attached. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-17 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: FL

Complaint narrative:
Equifax Credit Report confirms XXXX XXXX XXXX  Account STATUS OPEN opened XX/XX/2004 Limit {$6.00}, XXXX XXXX Bal. THIS APPEARS AS AVAILABLE CREDIT PREVENTING MORE CREDIT. * Also Credit Report confirms NO PAYMENT HISTORY HAS BEEN REPORTED BY THIS CREDITOR. I believe THIS FIX WILL INCREASE MY CREDIT SCORE when accurately reported by XXXX XXXX XXXX. I HAVE EXCELLENT CREDIT THEY DO NOT REPORT? I request this status be closed AND I request my good credit BE REPORTED TO ALL 3 CREDIT REPORTING COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: CA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$990.00} on the XXXX XXXX XXXX, - partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I never opened up an account with XXXX  and never gave permission for an account to be opened in my name. Furthermore, the company is inactive. Please see page attached. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
us dept of ed/XXXX is a negative account, account no XXXX .... appearing, wrongfully with damage to my credit rating on experian and transunion accts. 
The famously wrongdoing creditor was cited recently in the news as one of their chief executives quit because he couldn't stand the chaos.He said we get over 500000 requests for credit correction per month.They are not being investigated but verified without any investigation on the part of the creditor.This executive was 2nd or 3rd in power to XXXX, the presidents new appointee to head the DEPT OF EDUCATION. 

ON MY ACCOUNT THE FINAL PAYMENT WAS MADE BY ME ON XX/XX/XXXX

I NEVER MADE A SINGLE PAYMENT AFTERWARDS, THE DATE OF FIRST DELINQUENCY IS XX/XX/XXXX LEADING TO CLOSURE/TRANSFER.THIS ACCOUNT ACCORDING TO CURRENT CREDIT LAW OF CALIFORNIA SHOULD HAVE BEEN DELETED NO LATER THAN XX/XX/XXXX.YET BOTH BUREAUS CONTINUE TO REPORT WITH THEIR INACCURATE PAYMENT HISTORIES AND ILLEGAL DAMAGING REPORTING, QUITE GRAVELY SO WITH STATUTORY DAMAGES ACCORDING TO THE FCRA

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 2020-02-17 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Pennymac Loans # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal has repeatedly called me to collect a debt due to fraud facilitated thru their platform. A PayPal user committed fraud and i was issued a chargeback. After the final investigation I was left having to pay the amount I was owed. 

I paid the full amount plus fees ( which I did not collect ) and PayPal has repeatedly continued to call me seeking re-imbursement even though they have already collected the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Refiling this as answer was not sufficient. Please return payment made, as you did with additional two payments made at the same time, or accept payment Paid in Full. 

Qualified Written Request ( QWR ) Letter was sent to Mr. Cooper on XX/XX/XXXX. Item was delivered at XXXX XXXX  on XX/XX/XXXX in XXXX XXXX XXXX, CA XXXX to XXXX. The item was signed for by XXXX XXXX. To date, Monday, XX/XX/XXXX, a reply from Mr. Cooper has not been received. Status Delivered XX/XX/XXXX at XXXX XXXX  Delivered XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Mr. Cooper XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ref : Error Resolution Notice under 12 C.F.R. 1024.35 Loan # XXXX QWR Qualified Written Request - {$3600.00} Payment Applied to Partial Payment Unapplied Funds I am writing to request detailed explanation and/or correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX, XXXX, FL XXXX, loan account number XXXX. Identifying the Error 1 ) Payment made on XX/XX/XXXX {$3600.00} ( see USPS receipt ) Payment applied to Partial Payment XX/XX/XXXX - Unapplied Funds ( see statement ) 2 )  Payment made on XX/XX/XXXX,  payment / check returned to Attorney XXXX XX/XX/XXXX ( see letter ) 3 ) Payment made online XX/XX/XXXX, refused online incoming funds and returned to bank account directly on XX/XX/XXXX ( see E-mail ) 3 payments, 3 different outcomes. As of today, Tuesday, XX/XX/XXXX, you are still holding the payment made XX/XX/XXXX, in an unapplied funds account. Explain why. Explain why one out of three payments was accepted. Explain why one out of three payments is now in an unapplied funds account. Explain why this payment was accepted and  categorized as partial payment. Explain why this payment, if partial, was not applied to loan balance. Explain why or where the interest amounts for this partial payment has been applied to. Explain how much interest this partial payment and unapplied funds account has accumulated from XX/XX/XXXX to now. Explain why late fee has been added for XX/XX/XXXX/XX/XX/XXXX payment if you have accepted the payment as partial payment. Explain why this first payment was not returned. Please see all attached supporting documents, as mentioned within. Sincerely, XXXX XXXX Screen shot online account statement XX/XX/XXXX ( Partial Payment from XX/XX/XXXX )

Company response to consumer: Closed with explanation