vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I contacted Experian and explained to them that my name is not correct on my XXXX. One name that is on my credit report as the same name as a person who lives close to me from Florida. I had to go threw a lot to get all his matter that was on my report off my report. And the other name on there, is wanted for murder, and I am always getting asked if I am that person. My name is XXXX XXXX XXXX XXXX, it shows this on my XXXX XXXX and it shows it like this on my birth certificate. I contacted Experian 2 times in the month of XX/XX/2020, and explain this to them, both times I was told everything was off, and just my name appears on their. But when I go on line, I see different. So the second person I asked him to send me a copy of my Experian credit report. And just like it was on line, my info was still incorrect. I asked to speak to a supervisor multiple times, and keep being stuck in que on hold for hours. I just want my name and address correct, it is to much fraudulent things going on, and I am just trying to protect myself. And I should have only one address, Ive lived at this address for over 40 years. Sorry for this, but I cant reach out to Experian, their customer service is horrible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Multi calls from company discussing the issue. Have also spoke about how many things where wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: NJ

Complaint narrative:
I checked my report and there were Accounts On there I have never seen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: TX

Complaint narrative:
mailed letter to transunion on XX/XX/XXXX requesting that they remove my old addresses and also to investigate an account on my credit report and send me back the validation. well, it is now XX/XX/XXXX and the only thing they did was update my address on my credit report. they did not respond with any validation for the account I requested at all. it is now well beyond 40 days. they only have 30 days according to the FCRA. it has been about double that. they are in violation of the FCRA and could face fines i also attached proof of delivery, so i know they got my letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
I XXXXwent into forbearance due to the pandemic but decided to end it early in XXXX. Contacted the the company amerihome mortgage and they said it was all cleared up and sent me a letter with deferment option agreed upon. Trying to pay the first payment after forbearance and company headquarters states that I am still in forbearance while loan servicer says otherwise. I am unable to make a payment and they have no clue as to what is going on with my loan and keep sending me in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I found a website and purchased a XXXX XXXX XXXX. I paid through XXXX and was given a tracking number. However when the " package '' arrived it a very cheap phone case. It is clearly not what I paid for ; as I paid {$180.00} for a camera and not for a flimsy phone case. It has been increasingly difficult to get my money back from my bank or XXXX. 
They seem to be siding with the scammer in this instance and it is quite frustrating. I really need some help. 
Since I recieved something, they refuse to re-imburse me, even if it is a cheap phone case. 

I purchased the product on XX/XX/2020 recieved the incorrect product on XX/XX/2020 I tried to open a dispute with XXXX but had no luck as the seller wanted me to send the product ( cheap phone case ) to XXXX! 
I pleaded with XXXX that this is clearly a scam and I proof of not only myself but others getting scammed. 
I then went to my bank as I figured I would have protection from them. I was denied my claim, filed an appeal, went to a branch and gave them my proof to fax to fraud department and denied AGAIN! I am now filing a THIRD appeal but I am not sure what to do anymore. I am so frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I signed my official refinance contract with Navy Federal Credit Union. According to the contract, my loan would process on XX/XX/XXXX, and I needed to pay a total of {$5000.00} in closing cost. The closing cost was taken out of my account through a wire transfer. However, I received an email today, XX/XX/XXXX, from my loan processor stating an additional {$4100.00} was needed from me. The email did not contain any documents stating how and where the money would be applied, but instead, it explained a procedure I do not understand. I'm not sure how and why my contract terms with the bank were changed after signing my closing contract. The following is the contact information for my assigned loan processor : XXXX XXXX XXXX XXXX  XXXX | NMLS # XXXX Phone : XXXX x XXXX Fax : XXXX Email : XXXX I have also attached my closing disclosure and email from the loan processor for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am having trouble with getting my credit report from equifax. There is information on there that is wrong, and I can't get into my report to even dispute or fix the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I contacted XXXX and explained to them that my name is not correct on my XXXX. One name that is on my credit report as the same name as a person who lives close to me from Florida. I had to go threw a lot to get all his matter that was on my report off my report. And the other name on there, is wanted for XXXX, and I am always getting asked if I am that person. My name is XXXX XXXX XXXX XXXX, it shows this on my dr lic and it shows it like this on my birth certificate. I contacted XXXX 2 times in the month of XX/XX/2020, and explain this to them, both times I was told everything was off, and just my name appears on their. But when I go on line, I see different. So the second person I asked him to send me a copy of my XXXX  credit report. And just like it was on line, my info was still incorrect. I asked to speak to a supervisor multiple times, and keep being stuck in que on hold for hours. I just want my name and address correct, it is to much fraudulent things going on, and I am just trying to protect myself. And I should have only one address, Ive lived at this address for over 40 years. Sorry for this, but I cant reach out to XXXX, their customer service is horrible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I contacted XXXX  and explained to them that my name is not correct on my XXXX. One name that is on my credit report as the same name as a person who lives close to me from Florida. I had to go threw a lot to get all his matter that was on my report off my report. And the other name on there, is wanted for XXXX, and I am always getting asked if I am that person. My name is XXXX XXXX XXXX XXXX, it shows this on my dr lic and it shows it like this on my birth certificate. I contacted XXXX  2 times in the month of XX/XX/2020, and explain this to them, both times I was told everything was off, and just my name appears on their. But when I go on line, I see different. So the second person I asked him to send me a copy of my XXXX  credit report. And just like it was on line, my info was still incorrect. I asked to speak to a supervisor multiple times, and keep being stuck in que on hold for hours. I just want my name and address correct, it is to much fraudulent things going on, and I am just trying to protect myself. And I should have only one address, Ive lived at this address for over 40 years. Sorry for this, but I cant reach out to XXXX, their customer service is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: NJ

Complaint narrative:
I checked my report and there were Accounts On there I have never seen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: NJ

Complaint narrative:
I checked my report and there were Accounts On there I have never seen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I took out a personal loan from Wells Fargo back in XX/XX/XXXX to help pay for my home remodel. Then, as a result of Covid-19, I found myself unemployed. After being placed on several 90 day payment deferrals, for a total of 180 days, I was finally offered the chance to modify the terms of the personal loan. On XX/XX/XXXX at XXXXXXXX XXXX  MST I asked the Wells Fargo associate from the Hardships Dept if the loan modification would negatively impact my credit score and how the payments would be reported to the credit bureaus. This gentleman could not answer my question, nor was a supervisor available. A week later, on XX/XX/XXXX, at XXXXXXXX XXXX MST, after receiving the loan modification paperwork which DID NOT detail credit reporting impacts, I called Wells Fargo 's Hardship Dept once again. I spoke to a female representative who also had no idea, nor was her supervisor available to speak. All I need to know is how the payments from the loan modification, should I choose to accept, will be reported to the credit bureaus? Without this information, I can not make an informed decision on what is best for my family. Furthermore, the absence in providing this information is deceptive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i sent a letter to experian on XX/XX/XXXX asking them to remove the inaccurate addresses from my credit profile but it is now XX/XX/XXXX and the address is still wrong. clearly they do not pay attention to what they are reporting on consumers credit reports, nor do they read the letters people send them. 

i have attached proof of delivery as well as the exact letter i sent them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way. 

XX/XX/2020 {$3100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reached out to XXXX about my account at the beginning of XXXX of 2020 to settle my debt in the amount of $ XXXX.I was advised by the representative my account was sold to a collection agency called XXXX XXXX XXXX XXXX I proceeded to call and email XXXX XXXX to settle my debt, however, my emails went unanswered and the number listed on the website and provided by XXXX just continuously rang. I was finally able to get a representative on the phone on XXXX XXXX and that representative then informed me that account was then sold to another collection agency XXXX XXXXXXXX XXXX. That same day, I called XXXX XXXX XXXX  to settle my account, which I did for less than the amount that was owed and advised by the representative the status of the will be updated with the credit bureaus within 14-30 days. My issue is after I received my settlement letter it states. " XXXX XXXX XXXX XXXX XXXX is in receipt of your payment ( s ) and they have been applied to your account. The above referenced account has been considered paid-in-full with a balance of {$0.00}. Contact the following credit report agencies and send them a copy of this notice according to their instructions. 
XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Experian : XXXX WWW.EXPERIAN.COM ''. I have done this action and each credit reporting agency has come back and says that the debt is valid and still derogatory and owed. I have done my due diligence to pay the debt, and I expect the correct information to be reported 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 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hello, I owed a total of {$400.00} to an apartment, the apartment sent to collections. The debt collector Hunter Warfield & I agreed for me to pay the above amount on my pay day XX/XX/2020. On that day ( XX/XX/2020 ) the money was removed from my account & on XX/XX/2020 they reporter and placed on my credit that I did not pay. The amount remains on my credit report right now. I dont want it to be updated as paid in full, I want them to completely delete it because it should never have been placed on there in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Received a credit card from Chase, Freedom Unlimited with a credit access line for {$12000.00}. All I had to do was verify receipt of my card by calling XXXX. I called number and was asked for my credit card number and SSN. I didnt provide and hung up. I then tried to reach Chase via other phone numbers researched on internet but was unsuccessful in reaching a person to talk through receipt of credit card that I did not apply for. 

This is fraudulent business practice that an unsuspecting individual may fall for and get stuck with a cc that changes over 20 % in interest. Especially for individuals that may have been laid off during the pandemic I want to be on a do not ever contact me list with all JPMorgan Chase Affiliates.

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I have applied the Mortgage from XXXX because one of my friend is going through refi. She asked to apply online with out talking and understanding my situation. I did and submit all the document requested. after that they are actually sitting on my file for 3 weeks after that they asked me to pay {$1000.00} fees. for Loan processing. I paid it with my credit card. up to now they did not even open my documents. after that almost in XXXX i have started following up but they keep saying me we will get back to you next week since they have done credit check to me I really dont want to shop around. somewhere in this time period appraisal calls me he want to see from inside two appraisal is needed I was not aware of it. I called her she said take less credit and I will do one appraisal. not sure how it works I was ok with it. 

In XXXX when I asked her what is going on I am waiting for almost 4 months I need to close another loan which is due soon she say it will affect your XXXX since you are using HELOC to pay the loan. It was coming around 46 %. none of her team member have any idea on how dti is calculated including XXXX. I tried to explain but it did not help. Not sure how these people get lender license. Now I have wasted 5 months and XXXX and credit pull. 


As of now I am working with XXXX XXXX which is giving me better rates than her and they think XXXX is around 41 %. which is about right. 

Lack of response is there for at-least 3 more people I referred to her

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
This account is not mine, nor do I know whom it belongs to. 

SEQUIUM ASSET SOLUTION keeps placing collections on my credit, even when disputed thru XXXX on several occasions. 

This is the only information I have as shown in my XXXX  Credit Report : Original creditor : XXXX XXXX {$280.00} Collection opened : XX/XX/2020 Account number : XXXX Thanks for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: NJ

Complaint narrative:
checked my reported and noticed misrespresnted accounts and inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
In late XX/XX/XXXX I began working with Amerisave Mortgage to refinance my home mortgage and a HELOC. I authorized them to pull my credit one time on XX/XX/XXXX and one time on XX/XX/XXXX. I finally withdrew my application on XX/XX/XXXX due to lack of performance on their part. Given the long delay I had begun to work with my current mortgage company and authorized them to pull my credit one time on XX/XX/XXXX. They forwarded me my report ( excerpt attached ) which shows 3 pulls on each date I had authorized Amerisave to make one pull. Instead of 2 pulls total there are 6 pulls total. The first on each date says Amerisave and the next two say XXXX. I reached out to XXXX to ask who authorized the 2nd and 3rd on each date and they informed me it was Amerisave. I wrote to Amerisave twice, once requesting a refund of my {$500.00} application fee and once requesting them to issue a Credit Inquiry Deletion Letter for the 4 unauthorized pulls ( image attached ). I received a call on XX/XX/XXXX from XXXX at Amerisave. During the call he agreed to refund my {$500.00} application fee but maintained that Amerisave only made one pull on each date and would not agree to send the Credit Inquiry Deletion Letter. 

I would appreciate CFPBs assistance in obtaining the requested Credit Inquiry Deletion Letter from Amerisave.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief