vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Complaint on Equifax Credit Bureau I am in the middle of refinancing my home mortgage and always I have trouble unfreezing my credit file with Equifax. 
They don't have enough people to help the customers, very difficult to get hold of real person to talk to and get help, very arrogant customer care people, unfriendly to customers, their phone systems are very bad at recognizing the human voice and also differentiating human voice and background noise. 


Problem : Tried logging in to their online account https : //my.equifax.com/membercenter/ XXXX XXXX  to lift my security freeze temporarily, but their system not letting me login. Contacted them over the phone and talked to the agent. Sent all the docs requested to resolve the issue. On XX/XX/2020 received the email that the issue has been fixed. When I tried to login today XX/XX/2020 still same issue. 
Tried again calling the customer service and prompted to answer few questions to verify my identity but their phone system is so bad that it's taking little background noises as my answers and rejected to continue my call. After lot of trouble I could hold of real person to talk to and explained my issue. Again they requested to send the docs and refused to unfreeze my credit file temporarily inspite of telling them that I could answer any question to verify my identity but they refused to do so because the phone system did already and I failed it seems. I really don't understand phone system ( which is already bad ) or real humans doing verification is reliable. They are relying on the phone system which is faulty, bad and not reliable. They don't even have email system to send my documents to verify my identity and instead asked me to send the documents physically which is actually more insecure way to send them. ( could lost in the transit, could land in wrong people etc ). 

Bottom line is Equifax is the company to keep customers in trouble, cause pain and frustration. They don't have any inclination to help the issue and resolve them honestly. 
I really don't understand how could this company is approved to operate having so many customers lives in their hands. They can't even resolve any technical online login issues of customers immediately and put them under so much pain and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: Netspend Corporation
State: MD

Complaint narrative:
Contacted Netspend customer service at XXXX to attempt to close a Mastercard that was sent without solicitation. Spoke with XXXX at their customer service to close account. This company violated the Truth in Lending act of 1968 and the Board of Governors of the Federal Reserve System regulation Z.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
W/F preferred continues to report inaccuracies even after Ive disputed and requested verification. I need to find out the unauthorized charges made. I have disputed with XXXX and XXXX but the furnisher will not correct. W/F even has been using an PO Box that my mail gets returned to sender and the phone number to contact them is disconnected. My rights have been violated and no one has corrected. Specifically, they violated FCRA : Articles 611 : 1 thru 5. 616 : a thru d. 617 a thru b. 623 a1 thru 2. 623 a1 A thru E and 623 b. Furthermore, they violated Article 1022.43, as they failed to correct the inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I made a mortgage payment of {$750.00} to Dovenmuehle Mortgage, Loan number XXXX By mistake I type XXXX when I opened my XXXX XXXX checking Account and added this loan number to my bill pay. About 3 weeks later a got a notice from Dovenmuehle that my mortgage payment was over due. I pulled up my XXXX XXXX XXXX   account # XXXX and it show it was paid on XX/XX/2020 and it was deducted from my Checking account. Since then I have talked to XXXX XXXX and Dovenmuehle More than 20 times and we even have done 3 way conference call. 5 months later neither bank knows where my {$750.00} went to and they both blame each other and neither we do any thing about getting my money back to me. I had to pay another payment to stay up to date on my payments. I have excellent credit and it almost got put in default because of this. I made a one digit mistake on the loan number and for that I am out {$750.00}. I no that they have to have safeguards that protect this type of thing from happening. I have spent nearly 40 hours of my time on this over a 5 month period and have gotten nowhere. I can not believe that two major banks could let this happen and do nothing about it.I am sick to my stomach over this and I am ready to do every thing I can to under the law to get my money back I make $ XXXX a year and I can not afford this. How does {$750.00} just disappear like its floating around in the air. or some one seen the mistake and stole my money. I have proof of payment and deduction and any thing else you may need. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX SC, XXXX XXXX Dovenmuehle Mortgage XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX Loan Acct. # XXXX XXXX XXXX XXXX Checking Acct #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
My wife and I had a loan with Homebridge ( # XXXX ) and in XX/XX/XXXX decided to take advantage of the VA IRRL program and refinance to a lower rate. On XXXX, Homebridge responded to a payoff request by the new lender, XXXX XXXX XXXX. The payoff request submitted by Homebridge estimated a payoff of {$540000.00} if paid in full by XXXX on XXXX, after adding additional interest for the four days, XXXX XXXX a transfer in the amount of {$540000.00} to Homebridge . On XX/XX/XXXX, Homebridge issued a letter stating that our mortgage had been paid in full. 

On XX/XX/XXXX, Homebridge mailed out an escrow refund check in the amount of {$3000.00}, which was less than expected. Upon reviewing the annual escrow account disclosure statement provided by Homebridge, it indicated that {$2500.00} was subtracted ; however, there was no explanation in the statement was listed next to the amount. 

After 3 calls this past week to Homebridge 's customer service, resulting in over 6 hours of waiting time, a manager tried to explain that the reason that money was subtracted was because the payoff was less than expected and that it should have been {$540000.00}. I tried to explain that the payoff was requested by Homebridge and that they received the amount provided by them. At no time, was I notified that the payoff was short or that they would take this amount from my escrow account. 

I am waiting for an explanation from Homebridge but in the meantime, I believe I am due {$2500.00}. 

Thank you for your asistance in resolving this matter. 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
i refinainaced a mgt and loan was paid in full XX/XX/XXXX i waited for escrow refund check which never arrived. i have placed many calls into to find out where check is with call dates and NO follow back from them. calls were placed on : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ( hung up on ) XX/XX/XXXX ( with MGR ), XX/XX/XXXX, XXXX, XXXX ( with mgr ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( with mgr ) XX/XX/XXXX was told check was cashed by someone else on XX/XX/XXXX i have sent in Affidavit of Unauthorized endoresment or atlered item on XX/XX/XXXX and was told check will be reissued and has NOT been. today was told would take XXXX months and still might not get escrow refund back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following accounts are reporting Trunicated accounts : Alleged creditor reporting item : XXXX, XXXX  & TRANSUNION Alleged Account at issue : XXXX  XXXX  XXXX ( XXXX ), XXXX   XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), ( Original Creditor : XXXX ) ( XXXX ) Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. ALL claims, true or not, must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and requisite standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS and others.Per laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to retain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

**Please in addition eradicate any, if it even exists, claims of inquiry ( s ) associated with the above indicated illegally reported derogatory information.Per CDIA definition of YOUR electronic verification process, E-OSCAR, & quote e-Oscar is a web based, METRO 2 COMPLIANT, automated system ... & quote ; and I do and will CONTINUE to expect you to be able to PROVE just THAT in the LEAST.

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 2020-10-22 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: PA

Complaint narrative:
The following accounts are reporting Trunicated accounts : Alleged creditor reporting item : EXPERIAN, XXXX  XXXX XXXX   Alleged Account at issue : XXXX XXXX XXXX XXXX XXXX ), XXXX   XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), ( Original Creditor : XXXX ) ( XXXX ) Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. ALL claims, true or not, must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and requisite standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS and others.Per laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to retain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

**Please in addition eradicate any, if it even exists, claims of inquiry ( s ) associated with the above indicated illegally reported derogatory information.Per CDIA definition of YOUR electronic verification process, E-OSCAR, & quote e-Oscar is a web based, METRO 2 COMPLIANT, automated system ... & quote ; and I do and will  CONTINUE to expect you to be able to PROVE just THAT in the LEAST.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This complaint is against Equifax. 

We just easily had the other credit reporting agencies freeze our credit report by online action. 

Equifax is incompetent to complete a Freeze request. 

Equifax refused our request for a credit freeze. We spent over an hour on the phone and on the computer, answering their questions. 

Equifax ' computer told us equifax can not help us. There was no option for a telephone conversation with someone in the US who spoke English with an American accent. We are Americans, Not XXXX XXXX. 

Then, Equifax told us to send through the US mail all of our personal infromation to get the freeze. Equifax already has our personal information and we will not expose that information to theft in the US mail. 

Equifax 's phone and website systems are inadequate to handle a basic freeze request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My husband and I moved into a townhome in XXXX based upon his income. I do not work and did not have an income. We have XXXX down on a deposit and paid XXXX per month in rent. My husband unexpectedly died of XXXX in less than one week in XXXX of XXXX. I paid the rent for XXXX gave them the deposit and was told I owed nothing. I pulled my XXXX  credit report and it was showing monthly debts owed as if I lived there even though I left in XXXX. I disputed the debt with XXXX  and Transunion based upon the fact I did not owe the debt and the information supplied to the credit bureaus falsely claimed the nature of the debt the wrong original creditor and amounts of delinquency it also violated the FCRA by falsely purporting the original creditor was in Tennessee when in fact it was the debt collection agency phone number and address falsely claiming to be the creditor. I made XXXX  and Transunion aware of this yet they still kept the debt on my credit report. I am XXXX years old and can not move into an apartment because of this erroneous debt. Please help

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 2020-10-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Im writing in regards to an Auto Loan with Bank of America. I obtained this loan on XX/XX/2020 through a dealership in XXXX, MD. My payments began on XX/XX/2020, which I made successfully and since that time I have made on time payments through XXXX XXXX XXXX XXXX   Bill Pay. I pay 90 % of my bills through XXXX XXXX and I have never had a problem with any of my payments being rejected, denied, or returned until now. 

Bank of America has placed a 60 day past due notice on all three of the Credit Bureaus. I have not received not one letter or statement indicating my payments were late. I have not received not one phone call. I have not received not one email nothing which is crazy if I was so late. Every time I submit a payment, they would send me a check for the amount paid with no explanation just an empty envelope with the check in it. I havent cashed them either so I dont know what is going on. Who refuses payment when someone is diligently trying to pay? In fact, I pay twice a month. I went to the branch in XXXX, MD on XX/XX/2020, and they couldnt tell me anything. The representative just gave me a number to call. Unbelievable right, so I got in my car and called only to speak with a lady that didnt know what she was doing and indicated that this call was being recorded and this was an attempt to collect a debt, I told her great now what is my pay off balance. She gave me that information and was trying to transfer me to someone and I just hung up. 

I only found out that the account was past due through checking my credit report a couple a days ago which is outrageous. I think Bank of America is being spiteful/prejudice and have no grounds for putting a 60 day past due on my credit account. I am extremely angry that Bank of America is ruining my credit and I want Bank of America to correct my file immediately. I will NEVER deal with Bank of America again. They are very unorganized, confused, spiteful, and underhanded bank. Please do whats right and correct my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Capital Recovery, LLC
State: GA

Complaint narrative:
A collection has been added to my account from this company. I do not owe this or any balance and have attempted to dispute it with the company directly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: WI

Complaint narrative:
SEQUIUM has put a collection on my credit report about an XXXX   XXXX  equipment charge. Back in May i notified them by US mail that i didnt owe this they never responded. I also challenged this on my credit report and somehow its still on there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation