vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-12-23 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-12-23 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
I was illegally served Wages garnishment They never contacted me about this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: GA

Complaint narrative:
I have sent in several letters to XXXXXXXX, experian, and XXXX to verify XXXX that are on my XXXX XXXX and to show proof of verifcation and how exactly did they verify it. They refuse to show how they verified the bankruptcies to prove that they are mine. As a result it is affecting my credit score and causing damage to my reputation. I also sent in a letter from the courthouse to each bureau which states they do not release any information to third party companies.They still refuse to show how they verified the bankruptcies that are reporting to my credit report and damaging my reputation. This is willing negligence on their behalf and a violation of the FCRA. If they can't show proof of how they verified the bankruptcies are mine they should remove them immediatly as I have told them at least 3 times already.

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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 40 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.

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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 40 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.

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 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OK

Complaint narrative:
XXXX XXXX XXXX and XXXX sent me a letter today claiming their attorneys would be looking into my case of an unpaid medical bill of {$570.00}. I called my hospital and they say this bill has never existed, nor does my insurance have any knowledge of this bill. The law office claims to be mailing me an itemized bill from the hospital, yet the hospital has no knowledge of this bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC
State: AL

Complaint narrative:
On XX/XX/2020, the sheriffs department presented me with a letter stating my wages were being garnished due to an unpaid debt. I had no idea that I had been sued by this law firm, Scott and Associates in XXXX, Al. Also, I was not provided either ability to defend the suit in small claims court because I was never presented with such paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OK

Complaint narrative:
Mitchell D. Bluhm and Associates sent me a letter today claiming their attorneys would be looking into my case of an unpaid medical bill of {$570.00}. I called my hospital and they say this bill has never existed, nor does my insurance have any knowledge of this bill. The law office claims to be mailing me an itemized bill from the hospital, yet the hospital has no knowledge of this bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank mailed me a ReliaCard for accessing unemployment benefits from the XXXX of Colorado. I have not filed for unemployment nor did I apply for this card. I called the phone number on the card ( XXXX ) to ask US Bank to close the account because it is based on a fraudulent application. 

It was impossible to access an operator through this phone number. US Bank would only proceed if I provided personal information including date of birth and social security number. I am not going to provide that information to a computer. 

I did fill out a US Bank fraud form but would have preferred to speak with someone as soon as I became aware of the problem. Scary situation, its a known problem with US Bank and they chose not to resolve it.

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 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I was injured and was put on XXXX therefore my income decreased and fell behind making payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 37 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.

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 2020-12-23 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: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
An unauthorized payment was taken out of my checking account for {$11000.00} to pay account in full. I contacted the credit card on XX/XX/2020 when I was informed of unauthorized activity on the account. They closed the card and issued me a new number and unknown to me a payment was scheduled at that time. I didnt schedule a payment or authorize it to be taken from my checking account, and I would never have scheduled a payment for the full amount. Whether this was an error by the representative or bank error, I need the funds put back in my checking account ASAP!

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 2020-12-23 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: FL

Complaint narrative:
XXXX XXXX XXXX, {$12000.00}, showing closed since XXXX hasn't been deleted its over credit statue limitations Department of Ed/XXXX, XXXX, showing closed since XXXX hasn't been deleted its over credit statue limitations Department of EdXXXXXXXX, showing closed since XXXX hasn't been deleted its over credit statue limitations US Department of EdXXXX XXXXXXXX, showing closed since XXXX hasn't been deleted its over credit statue limitations credit collecting serv, XXXX, derogatory / XXXX XXXX XXXX XXXX XXXX, derogatory/ all incorrect I should nothing but two credit cards XXXX XXXX and XXXX XXXX XXXX  only with good standing

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 2020-12-23 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-12-23 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-12-23 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have purchased a home and Wells Fargo is the financial institution servicing the loan. I pay roughly an extra {$500.00} to be specifically placed in my escrow account. In XXXX of this year my home insurance was renewed by the lender and they sent me a refund check for the rest of the money in the escrow account. I called and I spoke to someone letting them know that the refund was a mistake since the property tax and the mud tax were not paid and the escrow balance is now XXXX. The person assured me that they had the money in the account once again I reemphasized I did not think that is correct. The bank subsequently went ahead and paid the mud and property taxes now the escrow is negative almost $ XXXX, I called and I was told they advanced me the money which I clearly did not need hence why I paid extra into the escrow account. I was further informed that their intention is to add the total cost of the taxes divided by 12 to my note beginning XXXX. I find this practice to be dishonest and unethical it is a sly and cunning attempt to force me to use the institution funds in order for them to charge me some ridiculous amount of interest so they can maximize their profit. I went into a branch to speak to a branch manager, I was told she was busy and could not see me I could not speak to a mortgage specialist they said there was not one onsite. I spoke to an investment banker who could not help me to resolve the issue and prevent it from reoccurring. I tried escalating with Wells Fargo but everyone I spoke to is just trying to push me around saying they have limited access and they can not see the account, they do not know why it happened just everyone acting clueless when I am sure to cut the refund check there had to be multiple layers of approval before the refund check could be issued, no one had the common sense to say wait a minute it is XXXX why are we refunding this money taxes have not been paid yet.

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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 37 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 37 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.

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 2020-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-12-23 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation