vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: PA

Complaint narrative:
This Complaint concerns Equifaxs reporting of an alleged account with XXXX XXXX XXXX, Alleged Account # # # # # # # # # # # # # XXXX. A Fraud Affidavit was already supplied to these people. Per the Fair Credit Reporting Act, upon their receipt of this Affidavit, they were supposed to cause the removal of this alleged account from my credit report. They have already failed to do so, and thus have already violated the Fair Credit Reporting Act.

Even if this account were legitimate which it is not - please make note of the balance they have reported as to this alleged debt from  XX/XX/XXXX to present, namely : Date Balance Change XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} {$37.00} reduction, no payment made XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest Per my Equifax credit reports from XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX appears to have been charging an approximate average of 13.2 % annual interest on this alleged debt. No contract exists where I authorized such interest on any such alleged debt. 

Per my Equifax credit report on XX/XX/XXXX, for no apparent reason, XXXX XXXX XXXX appears to have made a {$37.00} reduction in my alleged balance. I made no payment. 

And then, per my Equifax credit reports from XX/XX/XXXX to present, XXXX XXXX XXXX appears to be this time charging an approximate average of 10.7 % annual interest on this alleged debt. No contract exists where I authorized this amount of interest either. 

Their credit reporting simply can not be accurate, even if this account were legitimate. 

I am requesting that this fraudulent and inaccurate account be deleted from my credit immediately. 

Thank you for your time and attention to this matter, and I remain Very truly yours, /s/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have a Money Market Certificate purchased by my late mother ( XXXX XXXX XXXX ) for $ XXXX 10.85 % interest purchased on XX/XX/1985 from XXXX & XXXX, later XXXX XXXX, now owned by PNC Bank. PNC Bank investigated this for 1 month. PNC concluded : The MMC was cashed it. However there is NO PROOF-None. PNC also states they dont keep records over 7 yrs old. My mother was a payroll clerk for XXXX XXXX. She kept meticulous home financial records/journal. She would not keep a Worthless XXXX  still in its original plastic envelope. I can not afford an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I have had a credit card for 4 years. XXXX  and Experian do not provide me with my credit report or XXXX XXXX. I called both XXXX  and Experian several times and they refuse to help me. I even mailed in dispute to each of the companies. My credit card company sends my credit history to these credit bureau every month, on the XXXX of the month. Yet I never receive my report or a score. When I ran a credit check, I got the following errors. 1 ) XXXX  error : " Record not found '' 2 )  Experian error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' XXXX  said  that my first name is too short and so I need to hire a credit repair service. Experian said I do not have a credit file. If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with XXXX  and Experian ; and they are not even trying to investigate the issues. Why are these bureaus being to reluctant to help a consumer?

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 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
With the problem of the XXXX  pandemic, he called me and told myself that if I was bad without a job that they had a forbearance program in which I did not pay for the following months, I accepted for 4 months since 3 months ago I paid again but when I called my bank They tell me that they sold the account to servicing this company 2 months ago I am trying to fix the balance that I owe for XXXX and that they put it at the end of the loan that is what XXXX told me at the time they do not want to fix the loan the new company And they want me to pay you everything owed or make a loan modification but I must qualify for that and I do not want because I do not qualify and if I do not qualify I must pay the total debt all the banks lie and you must place a stop to this, I can lose my house and nobody does anything, every time I call the bank they don't answer or they tell me different stories servising # 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 2020-09-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XX/XX/2020 the bank had a tow truck company stole my automobile. I have given bank promissory note twice. 3-603. TENDER OF PAYMENT.

Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: DE

Complaint narrative:
This is the third my complaint and Discover does not resolve the issue which leaves me no other solution but to close this card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance XXXX   XXXX  Last reported XX/XX/XXXX {$620.00} Open balance XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - XXXX XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX  Reported : XXXX XXXX, XXXX XXXX   XXXX  Reported : XXXX XXXX, XXXX XXXX  - XXXX XXXX  + XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA 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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Third attempt complaining about unauthorized accounts and unauthorized injuries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Third attempt in reporting unauthorized accounts and unauthorized injuries on my credit profile.

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 2020-09-29 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2020-09-29 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: GA

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX  XXXX XXXX   Last reported XX/XX/XXXXXXXX  {$620.00} Open balance XXXX XXXX  Last reported XX/XX/XXXXXXXX  {$620.00} Open XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX - XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX XXXX  - XXXX XXXX  XXXX   XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA 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 2020-09-29 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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX   Last reported XX/XX/XXXX {$620.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX - XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  - XXXX XXXX  XXXX   XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I have had a credit card for 4 years. TransUnion and XXXX  do not provide me with my credit report or credit score. I called both TransUnion and XXXX  several times and they refuse to help me. I even mailed in dispute to each of the companies. My credit card company sends my credit history to these credit bureau every month, on the XXXX  of the month. Yet I never receive my report or a score. When I ran a credit check, I got the following errors. 1 ) Transunion error : " Record not found '' 2 ) XXXX  error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' TransUnion   said that my first name is too short and so I need to hire a credit repair service. XXXX  said I do not have a credit file. If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with TransUnion and XXXX  ; and they are not even trying to investigate the issues. Why are these bureaus being to reluctant to help a consumer?

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 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
ILLEGAL DISBURSEMENTS FROM MY LOAN ACCOUNT VIOLATING RESPA ; AND INDENTURE NOT SIGNED WITH WELLS FARGO ; ILLEGAL REMOVAL OF MY MORTGAGE FROM GOVERNMENT INSURANCE GUARANTEE COVER IN XXXX WHEN SOLD TO PRIVATE INVESTORS 1. The indenture I signed on XXXX XX/XX/XXXX which was registered is NOT with Wells Fargo ( see attached ). Any other indenture purported to have been signed by me may have been manipulated. It is impossible for me to sign two indentures on one loan to two mortgagees with the same TITLE NO : XXXX. XXXX Wells Fargo has no authority to transfer the deed to a group of Investors, thereby removing the government guarantee cover ; with the borrower no longer qualified for CARES Act and other Government mandated programs. 

2. I was therefore not owing 3 months mortgage arrears estimated at {$12000.00} ( which by Wells Fargo admission is {$9500.00} ) as at the time the forgiveness of the deferred principal balance of {$140000.00} was cancelled which was the condition stipulated in the loan modification agreement.

3. The entire loan, disbursements and servicing is full of irregularities, manipulation and violations of  consumer protection laws which XXXX XXXX  inspired CFPB was established to address such misdemeanor and fraudulent activities in the financial industry. 

4. Wells Fargo admitted to have disbursed {$3400.00} from my loan account without ever informing violating which CFPB is established to enforce in other to protect the consumer. These amounts must be repaid back into my account. There were not foreclosure activity in XX/XX/XXXX. 

5. Therefore the loan forgiveness must be reinstated and the Unpaid Principal Balance ( UPB ) transferred accordingly adjusted to {$460000.00} less amount repaired by borrower since XX/XX/XXXX ; and the XXXX XXXX XXXX and the new Servicer, XXXX  accordingly informed. 

6. The first UPB of {$460000.00} should be cancelled as I did not sign the same indenture to two mortgagees at the same time.

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