vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 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: Riverwalk Financial Corporation
State: CA

Complaint narrative:
I am very upset at XXXX XXXX and Deville Asset Management right now. I began disputing an account on my credit report in XXXX since I knew the account was well over 7 years. Not only did I not get a timely investigation, I had to file a complaint just to get the credit bureaus to do an investigation. I finally received written results from XXXX XXXX dated XX/XX/2020 which was 2 1/2 months after I submitted my initial dispute. 

I was shocked to see the account was verified as accurate by XXXX XXXX. When I received this notice from XXXX XXXX stating as such, I called XXXX XXXX XXXX to figure out what kind of information they had which showed this was indeed an accurate account. I called the number provided in the investigation results by XXXX XXXX for Deville Asset Management. The individual who answered the phone was named XXXX XXXX XXXX and said his company 's name was XXXX. He also stated they are a non credit reporting entity and they assigned an account which had my info to XXXX   XXXX. After I asked for some clarification as to why Deville Asset Management is on my credit report and was just verified days ago with this number XXXX stated again that XXXX  is a non credit reporting entity. He even said it was his understanding Deville Asset Management was out of business. 

After hearing everything from XXXX and being told Velocity purchased the account in question and assigned it to XXXX, I called XXXX XXXX with an advocate. XXXX XXXX wanted us to mail in a power of attorney before they spoke with my advocate but I wasn't going to do that considering how many months it has taken for them to even conclude an investigation which I know was fraudulent. How can XXXX XXXX verify a Deville Asset Management collection when Deville Asset Management doesn't even exist anymore. Even  if XXXX  purchased this account from Deville Asset Management,  XXXX claimed they are a non-reporting entity so again I ask how could XXXX XXXX have verified this account? 

I don't know what XXXX XXXX did or didn't do but I want this account deleted from my credit report once and for all. XXXX XXXX took 2 1/2 months to conclude an investigation and they clearly didn't do a  real investigation since it is impossible they verified something with a company that does not exist. By the way, now that I think about it, I haven't received a response from XXXX either. I did from XXXX. I want to add XXXX to this complaint as well.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
XX/XX/2020, a final inspection was processed reflecting 100 % completion to the property for damage due to smoke and water. MidAmerica Mortgage has yet to release the balance of insurance claim funds held in the amount of {$22000.00}. Numerous calls and emails have been made to their customer svc dept, loss draft dept, and to the president ; however, no one knows why the funds have not be released or when they will be released. They are in violation of Texas Insurance Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: AES/PHEAA
State: WA

Complaint narrative:
Second attempt. Last month I wrote Fedloan to request that remove late payment from my credit report on XX/XX/XXXX that was reported inaccurate. The company stated it was correct, which it wasnt. They lied and said they tried contacting and mailing documents stating that my account was in collection in XXXX, which is another lie. I never received a call from XXXX, and I contact XXXX in XX/XX/XXXX requesting forebearance and deferment, the rep that I spoke with told me it was granted. So the fact that you have customer service rep lying about putting people on deferment is sickening. I also sent a goodwill to this company, but they dont seem to care about their customer report, or try to work their customer service, nor do they want to fix their error. Again we are only talking about XX/XX/XXXX. You dont need to go into XXXX or the past

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: DISCOVER BANK
State: FL

Complaint narrative:
Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I  don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2020-09-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I asked Transunion when an adverse account showing a payment delinquency would be taken off my credit report since it is hurting my credit score significantly. ( this is a chase mortgage which was late 120 days on XXXX, XXXX. I received a file number XXXX and simply asked in a dispute when it would be taken off. I was told on XX/XX/XXXX this adverse account would be removed because it would be 7 years after it was first recorded. I first when online to make this dispute or request for information and did not receive an answer. I then contacted Transunion on XX/XX/XXXX and spoke with a rep at XXXX who told me it would be taken off XX/XX/XXXX when the first report of a 120 day delinquency was recorded. In XX/XX/XXXX It was not removed. I then resubmitted the dispute online at Transunion/dispute web site on Mon. XX/XX/XXXX and received an update today XX/XX/XXXX with no information as to when the delinquency would be removed. I then called XXXX and asked the rep when it would be taken off ( the delinquency has already been removed from my other reports on XXXX  and XXXX  ). I was told to call the XXXX Credit Bureau which handled my mortgage at XXXX. I spoke with a chase representative who told me it is handled by Transunion and not them. I called Transunion back and they resubmitted a dispute and I would not get an answer until XX/XX/XXXX. I called Transunion again, not satisfied with the answer and the rep told me it would be taken off XX/XX/XXXX. I am getting the run around and these people at Transunion appear to not know what they are talking about. To sum this up : I first went online in XX/XX/XXXX. I was initially given no response to my question of when this adverse account would be taken off. Next, in XX/XX/XXXX I was told by a rep it would be removed XX/XX/XXXX 7 years after it was first reported. Today, Thursday XXXX XXXX, XXXX I am being told that it would be removed XX/XX/XXXX ; Then again, I was told I would have to wait for the answer on XX/XX/XXXX because the dispute was resubmitted. The bottom line is I was iniitally told after 7 years it would be removed. It has been 7 years and has not been removed and I am getting the run-around. I can not get a simple answer to a simple question. The other credit reporting agencies have removed this delinquent account after 7 years ; why is Transunion being so obstinate? Please help me. Something that should be removed from my credit report after all these years is still there and greatly hurting my credit score. 

thank you 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 2020-09-17 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: EQUIFAX, INC.
State: WI

Complaint narrative:
The credit bureaus continue to report inaccurate items on my credit report after their investigation. Im attaching supporting documentation with all the information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: WI

Complaint narrative:
The credit bureaus continue to report inaccurate items on my credit report after their investigation. Im attaching supporting documentation with all the information

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 2020-09-17 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: MN

Complaint narrative:
Equifax is this report?? 
This information is wrong and you need to remove the entire tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland Credit Management has much of our old credit card debt. I am an XXXX survivor with XXXX and sadly had to stop working after I ended up in a XXXX   program for a major setback due to a triggering event at work regarding a member of the management team being arrested for XXXX XXXX  XXXX  of XXXX  and yet still being allowed to work at the same establishment. 

In the last few years, we have sent countless letters sent by standard mail, certified mail, email and have had direct phone conversations with Midland Credit Management explaining that the only income acquired is our SSDI ( XXXX ) and that we can not pay the debt. 

Despite us following their instructions completely for the last two years, they have kept calling, sending letters and summoning us to court. As both my husband I and suffer extreme XXXX and XXXX  XXXX  this is adding quite a bit more to the already fragile situation we live in. 

We sent the documentation to the court and they do acknowledge that as SSDI recipients they can't collect, but the company does not stop the attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a VA loan certificate of eligibility. I own a single family dwelling located in XXXX XXXX XXXX CA. 

I currently hold a 40 year fix conventional mortgage at 4.125 %. 

I began three weeks ago contacting major VA venders such as Wells Fargo the current holder of the 40 year fix, XXXX XXXX, and XXXX, to refinance the 40 year fix into a VA 15 year fix or 30 year fix Wells Fargo, called me and stated they where not refinancing veterans conventional loans to a VA guarantee loans. Wells Fargo stated they were only refinancing VA guarantee loan " XXXX '' or veterans who are purchasing for the first time. 

I had a mortgage company pull my credit rating this week, and received respectively a XXXX, XXXX, XXXX, credit score. My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My loan balance is {$470.00}, XXXX, and the value of my home is estimate to be over XXXX XXXX. 

I contacted the Department of Veterans Affairs Loan department in XXXX and spoke with a VA Loan officer. The Loan officer stated Wells Fargo was in violation of VA policies and that their action could violate their VA venders status. 

She suggested I contact Wells Fargo and conduct a three way  conversation with the VA to resolve the issue. I contacted Wells Fargo and they refuse to conduct the telephone conference and go on the record. I was instructed to send this e-mail explaining my experience and as of this e-mail I can not find a VA vender to refi my loan following VA policies. I am also filling a complaint against two other banking institutions for the same reasoning. The other two banking institutions are XXXX and 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 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I opened a checking account and a savings account with PenFed Credit Union on XX/XX/2020. The checking account # is XXXX The savings account # is XXXX. When I signed up there was a promotion that offered {$200.00} if I made a deposit of {$1200.00} and did 5 atm transactions. I did both of these requirements. The fee for the checking account had been waived for several billing cycles. However at some point a {$10.00} fee was assessed to my checking account. 

I attempted on several occasions via email and the messaging system on the penfed website to add a deposit in order to bring the account to the positive. I was unable to do so as the ability to transfer money was eliminated from my account. The negative balance was $ XXXX Despite that I sent numerous messages, my issue was not addressed. 

The bank sent my an email that because my account was in the negative, they would not send me the {$200.00} bonus. I asked if I could appeal, and outlined what I just told you. I did not receive a coherent message back. My point is that I deposited the {$1200.00} and did the 5 debit card transactions, but they are not sending me the bonus because my account went into the negative. Before I could deal with this further, the bank closed my checking account. 

So, they first restricted my ability to add money to the account, then closed the account without answering my inquires. For these reasons I believe that an exception should be made because I did try to fix the negative balance, and instead of helping me they took the above outlined actions.

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 2020-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MO

Complaint narrative:
In XXXX, I purchased a car with CAR HOP ( Universal Acceptance CORP ) that I voluntarily returned. Carhop ended up selling the account to XXXX XXXX   XXXX  which resulted in me having to go through XXXX to pay the debt off. XXXX and I settled on the debt, and I paid the FULL amount of the collections account on XXXX ( LETTER OF PROOF ATTACHED ). I contacted XXXX XXXX  XXXX  to remove the collections account on my credit report and they happily did so, since the debt was paid off. 

( COPIES OF GOODWILL LETTER, XXXX PROOF OF PAYMENT LETTER, AND COPY OF CAR HOPS REFUSAL LETTER ATTACHED ) On XX/XX/XXXX, I wrote a letter to Car Hop, because they were still reporting a delinquency to the credit bureaus, and had the audacity to update the account which will now will result in having this account stuck on my credit report for another SEVEN YEARS. I sent them a goodwill letter asking them to remove the account that they were reporting, and also provided them with proof that I had paid the debt off. They wrote back saying that they are refusing to do so. I shouldn't have to suffer from something I did when I was a teenager. I paid the debt off, sent a goodwill letter, and yet they still refused to delete the account, only updating the account to report inaccurate information. Now i understand why they were penalized by CFPB in XXXX because they're consistently known for jeopardizing consumers credit reports. 

This account was originally added to my credit report in XXXX. Its now XXXX, SEVEN years from now, which means this account would have naturally fallen off this year. But they decided to update it, even though they sold the debt. A deletion would be a fair solution.

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 2020-09-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting multiple inaccuracies to Equifax. The date of delinquency is incorrect. The last payment date is incorrect. The debt was never validated but I paid it because I didn't want my credit to be affected. XXXX never provided me with detailed bill. They just put the collection account on my credit report. Filing complaint with CFPB as well and the Attorney General of FL. 


Equifax continues to allow them to report multiple inaccuracies without proper investigations. Equifax is also blocking me from receiving the results of disputes online and they do not mail out results. I have to call them to get results. I also requested my credit score over 30 days ago and have not received it. I plan to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus continue to report inaccurate information after their investigation. Im attaching all supporting documentation with all information so they can stop illegally reporting those inaccurate accounts on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: IL

Complaint narrative:
The credit bureaus continue to report inaccurate information after their investigation. Im attaching all supporting documentation with all information so they can stop illegally reporting those inaccurate accounts on my credit reports.

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 2020-09-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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