vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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: TX

Complaint narrative:
The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC.XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
we have been heavily impacted financially by covid-19 due to loss of income. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 I have spoken with American Express multiple times to express my concern that I can't pay my credit card payments. In XX/XX/2020 I sent them a hardship letter, certified, signature receipt, in writing detailing to American Express I could pay at least {$25.00} monthly to at least show good faith effort that I'm trying to pay something. The letter was accepted and signed for by an American Express agent. The account has been closed because of the fees that American Express are charging ( late fees, rate hike fees etc. ). They offered a payment plan of {$80.00} a month for a year, but I reiterated that we have lost income due to covid-19 and we don't have that kinda money coming in to pay that amount! I asked for a forbearance, lower payment that I can afford, lower interest rate etc., until we can try and recover financially, which will be a huge undertaking!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 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: Mortgage Research Center, LLC
State: AL

Complaint narrative:
Veterans United Home loans have issued my VA loan and the VA XXXX XXXX also have given up my entire service record and secures a loan I did not even see or sign. I previously changed my information because it was a person I know I know find it not fair to me that because of these entities failure to confirm the home loan I would not have been penalized for it by dropping my score due to the privacy act violation of the VA and I along with my kids have been terribly affected by the lack of due diligence and I want my score to reflect my history before my information was given and accepted by someone who had my information and I was then locked out of my own accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX illegally pulled my credit XX/XX/2020 causing significant damage to my credit profile. Additionally they have no authorization for this hard pull. I requested this inquiry to be removed and as of today I pulled a copy of my experian report and XXXX inquiry is still showing 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 2020-05-19 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: NY

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
We have issues with wrong info on our mortgage account and CAN NOT resolve them because all the phone numbers and extentions they provide no PERSON answers, the recordings do not pertain to our issue, they have reported us to the credit bureau 's 1 ) due to the virus I told them I couldn't pay XXXX because we were supporting XXXX humans with us but not only that there was a moritorium made by our Governor on XX/XX/2020 that a late payment could not be reported 2 )  even without the moratorium they did not wait the 30 days. They also report in their letters that XXXX was missed but I have proof it was. They are charging us late fees when with a 15 day grace period NONE were late. When we purchased the house we paid it the 1st every month. They then increased it and being on a fixed income I had to make up the {$120.00} with ss check but it was never sent after the 15 days. They in again a letter said they DON'T apply the XXXX to the mortgage payment. Well if it's my account and it isn't late why not? I have been receiving robo calls daily and voicemails daily with NO valid # number to call. If I answers the call it just tells me to call a number that I can't reach anyone at. 
I have letters I have written, the last was certified receipt requested and they received it and I got back a letter telling me to call someone, different # but and extension. Well guess what we called repeatedly and again recordings that person and extension " not available '' and NO RETURN CALLS TO OUR VOICEMAILS ASKING THEM TO CALLS us back. I have been told that XXXX XXXX has received numerous calls with the same complaint I have. 
Is there anyway this Sham can come to a close? Is there anyway I can get my credit restored because of their false reporting or can they be sued?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CA

Complaint narrative:
I am requesting Experian send me a reprint of report number XXXX, so that I may be specific about the illegal changes Experian made to my credit report. If they refuse to send it I will subpoena the 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 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Due to a job loss, I reached out to Wells Fargo and asked for information on their Covid-19 mortgage relief program. To clarify, I only asked for information on the program. The representative on the phone stated that an information packet would be mailed to me. About a week later, a letter arrived from Wells Fargo stating that they are " confirming short term payment relief for the account. '' This was not what I had requested. In addition, the letter states " We won't report this account to consumer reporting agencies. '' It has now come to light that Wells Fargo has put a forbearance on the mortgage, preventing any ability to refinance. I am current on my mortgage payments and did not want to be part of their relief program, but now I have a forbearance blemish on my mortgage.

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 2020-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 2020-05-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 2020-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: RI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

This company is erroneously reporting information to the three credit bureaus ( XXXX, XXXX, XXXX ) and I need this damaging information removed, or I will have to resort to litigation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
My unemployment is direct deposited to my American Express Bluebird account. I went to check my balance last night ( XX/XX/2020 ) and couldn't login. I then called the number on the back of the card ; the pre-recording in turn says an email has been sent to the email address on file. I check my email to find that Bluebird has permanently suspended my account. I had no warning or anything. The problem now is where did my unemployment money go and the money I still had in my account. I am furious! I've since changed my unemployment direct deposit on XX/XX/2020 but it wont take affect for a couple of weeks. So I am now losing my only means of survival. Please help me get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX PLAYS ( with inaccurate info ) EQUIFAX & XXXX CRAs CONFIRMING FALSE CREDIT REPORTING INFORMATION PRETENDING BEING UNAWARE OF FRAUD. See attatched XXXX XXXX ( *card end XXXX not mine ) Letter of XX/XX/XXXX from CREDIT BUREAU DISPUTES DEPARTMENT UPON XXXX XXXX CONFIRMATION NO DISCREPANCY REPORTED IN YOUR TRADELINE. I AM MEDICALLY XXXX UNABLE TO COME TO BRANCH & XXXX DOES NOT PROVIDE ACCESS ON LINE FOR MY HAND XXXX. I AM UNABLE TO COMPLY ON ID THEFT KIT DUE TO A SEVERE XXXX KNOWN TO XXXX. see attatched XXXX XXXX  Letter XX/XX/XXXX XXXX Confirms Decision to DENY MY FRAUD CLAIMS *CARD END XXXX. XXXX PRETENDS THIS WAS NEVER REPORTED IN LETTER XX/XX/XXXX. See attatched XX/XX/XXXX CRIMINAL INVESTIGATION LETTER UNITED STATES POSTAL SERVICE CENTER case XXXX DELIVERIES NOT MADE BY XXXX PROVIDED TO REGIONS. see attatched Identity Theft Report FTC case XXXX. XXXX Bank PROVIDED NO XXXX ACCESS. ( XXXX Complaint XXXX ) see attatched XXXX Letter of XX/XX/XXXX some dates XXXX month XXXX month ** NONE OF THESE TRANSACTION DATES ARE EVEN PAST 60 DAYS FROM * DATE OF LETTER. FRAUDS REPORTED TIMELY. XXXX PROVIDED NO ACCESS AND DENIED CLAIM. see attatched CFPB RESPONSE XXXX XXXX I SUBMITTED XX/XX/XXXX. XXXX CLAIMS ALL CFPBs are duplicates as they will do with this complaint. I AM REQUESTING EQUIFAX & XXXX  VERIFY ALL ITEMS CHARGED WITH ORIGINAL SIGNATURE PURCHASES MADE FROM MY IP ADDRESS & ORIGINAL WRITTEN DOCUMENTATION ACCEPTANCE OF DELIVERY ** INTO MY HANDS Kindly Note ** CRIMINAL INVESTIGATION OF NON DELIVERY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN

Complaint narrative:
i have an issue with XXXX, my credit score was lowered by 6 points because of a credit card that i never had. I called the bank that had placed my name of the credit card " Pinnacle Bank " and they said they would fix the issue because it should have never been on my credit report. I never filled out any paperwork asking for the credit card and they said they do not know how it happened. They said it was resolved. Well it is not, i saw on my credit report that the dispute was resolved and the case is closed. IT IS NOT CLOSED. It has lowered my score and it is not fair to me as the consumer. i am requesting that you resolve this issue and give me back my high credit score. it is truly hurtful when a person has to constantly prove that they did not do anything and you all ask like it is nothing. If it were you wouldn't you like your credit reinstated ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has not been managing my escrow account. I had a increase in taxes for my land and they never increase my payment amount, plus my when the school taxes change again they probably wont change my payment again. This company should not be managing my loan period. They can't even manage a escrow 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 2020-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
this is about a collection agency letter who sent a letter to take negative action i attachd a collection agency letter and a letter from me to consumer protection burea and to the collection agency company they are very dangeroues collection agency company they will put me in the road

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX XXXX TransUnion ). They have failed to remove information that was affiliated with personal details that were  challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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