vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: OH

Complaint narrative:
XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account Holder : XXXX XXXX Amount : {$14000.00} I was informed my endorsement was not my endorsement on my deposit from XX/XX/2020, therefore my mobile deposit was rejected. I connected with the online banking services on XX/XX/2020 and was informed I will have to wait until the rejection notice arrives to my location, but once I receive the notice I will have to go into a branch and deposit the check in person so the bank can verify my endorsement and they will be able to make the funds available. I also called on XX/XX/2020 to confirm the procedure. Once I got the confirmation on how I must proceed, I went to the local branch in XXXX XXXX, FL XXXX  XX/XX/2020 and deposited the check as instructed. 

Now Wells Fargo states they can not deposit my check. I am not able to deposit the check given XXXX XXXX and XXXX XXXX are in lock down. In need my money and this bank has messed with my finances during a crises period.

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 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
due to the coronavirus i contacted my mortgage company and they said they will waved up to three mounts but after that they want it full. and will not put in on the back end what good is to help people. phh mortgage co. in new jersey i just want a modification to stay current. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
XXXX  AND SANTANDER HAS AND XXXX XXXX XXXX XXXX XXXX  XXXXTO  BE RE-INSERTED BACK INTO MY XXXX  AND XXXX, XXXX XXXX. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: SC

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

TRANSUNION 11 XXXX  XXXX  XXXX ACCT # XXXX {$610.00} 11 XXXX ACCT # XXXX {$260.00} 11 XXXX XXXX ACCT # XXXX {$1900.00} 12 XXXX XXXX ACCT # XXXX {$2900.00} ALL INQUIRIES XXXX  XXXX ACCT # XXXX {$1900.00} XXXX  XXXX/XXXX  XXXX XXXX ACCT # XXXX {$1500.00} XXXX, XXXX ACCT # XXXX {$260.00} XXXX  XXXX ( XXXX ) {$1900.00} XXXX   XXXX  XXXX  ( XXXX  XXXX  ) ACCT # XXXX {$610.00}

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 2020-03-30 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: RI

Complaint narrative:
This complaint does not really fit the criteria I selected. Options available do not really reflect my complaint. On XX/XX/XXXX, Experian sent both my husband and myself separate e-mails reporting our credit scores had dropped. My score dropped from XXXX to XXXX while my husbands dropped from XXXX to XXXX. I reviewed both our reports and can see no reasons as to why the scores dropped. The only comment on the report is that both our credits reports are " thin ''. 
My husband is XXXX and I am XXXX. We are both retired. In the past we had a mortgage, car loans and school loans. Before I retired XX/XX/XXXX, all of these were paid off. I do not understand why our scores dropped because we were wise paying off our debt before retirement when our income would become fixed. I am concerned because my state allows insurance companies to use credit scores to assess the risk of insuring an individual. A drop in our scores could trigger our insurance carrier to reassess our risk and raise our premium. I have attached 2 word docs with screen shots from Experian for my husband 's and my credit file.

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 2020-03-30 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: CA

Complaint narrative:
I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Federal government said there will be no more interest rates do to covid-19 but my bank Wells Fargo is still charging interest and I even asked them why they still charging interest if the federal reserve and federal government said no interest rate do to covid-19 they told me they havent heard anything about that I told Wells Fargo its all over the news and internet and I told them my wifes credit cards from her bank and other credit cards she has they sent her a letter and it said there will be no interest rate so to covid-19 so why is Wells Fargo still charging people and everybody else bank is not

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 monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
I am a XXXX veteran. I filed a claim for increased compensation in XXXX for my XXXX  XXXX  with the Dept of VA. The Dept of VA used a 3rd party called XXXX XXXX XXXX to set up XXXX of my XXXX  at a local provider XXXX XXXX XXXX center at no cost to me, the Dept of VA should be billed. When I checked in at this appt I provided the authorization that was provided to me by XXXX XXXX XXXX. Out of the blue in XXXX XXXX I received a collection notice for XXXX for the XXXX from a collection agency. After several calls and the run around I was told they needed the authorization with the Drs name to settle the bill with the VA. I faxed this info over. This happens to alot of veterans, they are ordered to go to VA appointments and then billed in error. 
This information is now on my credit report as a collection account XXXX Collection Company Receivable Management Group, XXXX GA. 

I already faxed the authorization to this company 2xs and mailed it in XX/XX/XXXX to stop the collection and for them to bill the dept of VA not me. But this company still placed this item on my credit reports when they are aware its not my debt, causing my credit scores to drop 65-70pts. 

I'm sure I'm not the only veteran this has happened to and who has been harmed by illegal debt collection activities by this company. 

This information should be removed immediately from my credit file, stop debt collection calls and use the information I provided over 5 months ago to bill the VA and or XXXX XXXX XXXX. 

I'm attaching emails to this company and the authorization that shows to bill them, not me, the XXXX veteran

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments on these 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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments on these 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 2020-03-30 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:
XXXX XXXX XXXX XXXX card violations attached XXXX  taking more than 30 days engage in unfair, deceptive, abusive, or other practices that violate the statute. FDCPA 814, 15 U.S.C. 1692l. Under the FTC Act, the FTC may investigate and take law enforcement action against entities that, in connection with collecting on debts, engage in unfair or deceptive acts and practices.

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 2020-03-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX card violations attached XXXX   taking more than 30 days engage in unfair, deceptive, abusive, or other practices that violate the statute. FDCPA 814, 15 U.S.C. 1692l. Under the FTC Act, the FTC may investigate and take law enforcement action against entities that, in connection with collecting on debts, engage in unfair or deceptive acts and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: OH

Complaint narrative:
I have submitted information on several occasions. Once again, I am submitting proof of address.

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 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
First off, this is a continuance from Complaint # XXXX. I have tried over the past month to get my phone number removed from my account and they have stuill not removed my number putting both my credit cards and my bank account in jeopardy. While I was doing this I noticed they still had not processed my payment for last month which completely kicked me out of the program complained about in the original complaint. This happened with the other card and makes me think they are doing this on purpose. This is the second time just on this card and fourth time total with both cards I have had issues with them processing a payment and the 6th time with scheduling a payment. I can not call now due to my phone being stolen and everyone freaking out about the Corona virus. There is live chat but now it is nowhere to be found after I got disconnect for some reason while processing my request for my credit card accounts to be closed. I tried emailing them to the email address that is listed on their website only to get a message saying the email was not delivered. So I am now being forced to call which I can not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: SC

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

XXXX 11 XXXX XXXX XXXX ACCT # XXXX {$610.00} 11 XXXX ACCT # XXXX {$260.00} 11 XXXX XXXX ACCT # XXXX {$1900.00} 12 XXXX XXXX ACCT # XXXX {$2900.00} ALL INQUIRIES EQUIFAX XXXX ACCT # XXXX {$1900.00} XXXX XXXX XXXX XXXX ACCT # XXXX {$1500.00} XXXX, XXXX ACCT # XXXX {$260.00} XXXX XXXXT ( XXXX ) {$1900.00} XXXX XXXX XXXX ( XXXX XXXX ) ACCT # XXXX {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: SC

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

XXXX 11 XXXX XXXX XXXX ACCT # XXXX {$610.00} 11 XXXX ACCT # XXXX {$260.00} 11 XXXX XXXX ACCT # XXXX {$1900.00} 12 XXXX XXXX  ACCT # XXXX {$2900.00} ALL INQUIRIES XXXX  XXXX ACCT # XXXX {$1900.00} EXPERIAN XXXX XXXX XXXX ACCT # XXXX {$1500.00} XXXX, XXXX ACCT # XXXX {$260.00} XXXX XXXX ( XXXX ) {$1900.00} XXXX XXXX XXXX  ( XXXX XXXX ) ACCT # XXXX {$610.00}

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 2020-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
I received an email notice regarding change in my credit score. In reviewing, I saw that a business called Receivables Performance reported on XX/XX/2020 of a Derogatory Account in the amount of {$1600.00}. 

I have no idea who this collection agency, Receivables Performance, is or what the debt is in regards to. However, their dirty deeds and fraudulent acts is causing my credit to drop. 

I have not been given proof that Receivables Performance is authorized to contact the credit bureaus or collect anything from me.

Concerned, 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 2020-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Nation star aka Mr Cooper I have an FHA loan that was taken out on XXXX XXXX. Mr Cooper services my loan I have never been late nor missed a payment for the life time of my loan, I own a XXXX XXXX a XXXX XXXX and my work all comes from an XXXX in NJ who is currently at a stand still due to the current epidemic. 
Mr Cooper is offering a forbearance package to those who are suffering from financial hardship due to the coronavirus, they are offering a 3 month no payments, however they claim at the end of the three months the three months you have missed in that time plus the current month are then all due at that time and they will report all payments as delinquent until paid in full, they claim mr Cooper does not accept partial payments. 
If that is what they are offering I cant possibly see how that can help anyone, it will for sure put me in foreclosure and Im sure many others if we are struggling with making the payment monthly now how is it possible I can come up with $ XXXXx 4 not to mention my mortgage was {$2300.00} in 2017 when I purchased my home, Florida doubled my taxes a year and a half after moving into my home stating it was reappraised and the 10 percent law did not apply to myself. 
I am already struggling and I cant possibly see what mr Cooper is doing in this time can be acceptable while all  other banks are putting the 3 months to the back of the loan as it should be that would be a true forbearance program as of this I see it as being a set up so they can take my home, if I am at risk of this how many other Americans are at risk of this happening its so unconstitutional and unfair. 
I can not get in touch with anyone at this company I was told 6 days ago I would be called back and not loose my Spot in line to never be contacted now they have a message that states to go online and file the application. I really hope for the sake of myself and every other consumer with mr Cooper something can be done for us effected consumers  thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation