vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
In XXXX, following a divorce, I bought a XXXX XXXX XXXX, I lived in Florida at the time. In XXXX, with my finances in a mess, I filed a chapter XXXX Bankruptcy. I would have filed a chapter XXXX, but I did not qualify. At any rate, the car was part of the chapter XXXX, but with a reduced payment from the Trustee. In XXXX I determined that I would file a chapter as financially I qualified. My lawyer agreed and drew up the paperwork, taking XXXX for the chapter XXXX. In a meeting in her office a week or two later she told my I did not qualify as it had not been long enough since my last Chapter XXXX. 
I contact Exeter Finance to try to work something out to keep the car, but they wanted me to pay the {$6000.00}, and that was not possible. At that time, I contacted Exeter finance and surrendered the car to them. At some point thereafter they sold the car. They violated Florida law when the sold the car, as Florida XXXX states that they must notify me of the time, day, and location to the sale at least 10 days prior to the sale. 

Exeter Finance then reported to XXXX that I owed a deficiency of {$23000.00} and XXXX under public records as included in bankruptcy. XXXX, Exeter and XXXX are refusing to correct the information even though they have been informed that Exeter violated Florida law when the sold the car without notifying me. In addition, the chapter XXXX Bankruptcy was dismissed in XXXX and XXXX  has been advised to the same, but refuses to either remove it from my credit file or put a note that says the bankruptcy was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dealing with Dovenmuehle has been totally frustrating and I look forward to not having to deal with them in the near future. Their customer support is awful, to the point that they have given me wrong information on a couple of occasions, which is unacceptable! I have called them on several occasions, only to be put on extraordinary hold times or being abruptly disconnected. 
As you know, I was hospitalized in XXXX and XXXX with a XXXX XXXX which, fortunately, has now gone away. However, there was a glitch in XXXX, where XXXX posted my monthly payment late and they have no explanation. See below As you can see, my XXXX payment was not made until XX/XX/19 for reasons unbeknownst to me and my payment was marked late. Since the Internet at the hospital was very spotty, I was unaware of this and Dovenmuehle only communicates via snail mail. They did not re-submit the payment until well into XXXX, they never called me, and I am at a loss to explain why, causing me to be 30 days late unnecessarily. Needless to say, I am at a loss to explain why this happened and Dovenmuehle says that it is XXXX fault. Note that I never had any late payments before last XXXX ( see below ) and they could have been more accommodating, to say the least. 

Then in XXXX, I again faced another calamity, this time by one of their own customer support representatives. They proceeded to tell me that I had made a duplicate payment in early XXXX and would re-post one of the payments for XX/XX/XXXX, saying that I did not have to make an XXXX payment at all. 

I heeded their instructions. When I say a late charge for the XXXX payment in XXXX and not seeing the XX/XX/XXXX payment posted, I called Dovenmuehle again, only to be told that the XXXX agent made a mistake, that it would be corrected and that I would get a confirmation e-mail, which I never got. I did get the XXXX late fee credited, but I am at a loss to explain why I still have a negative on my credit report, even though I was told that it would be removed shortly. Needless to say, that never happened. 

When I called a couple of weeks ago about this, I was again told that I had a duplicate payment in XXXX by this new agent, so right now I am at a loss to understand if I do or dont have a duplicate payment for XXXX, so I will leave it up to you to resolve this, as I am at my wits end here. I am tired of dealing with long hold times and inept agents, so I am counting on you to look into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TX

Complaint narrative:
I've went online many times for over a year on XXXX, Transunion and XXXX  disputing that I never lived at XXXX XXXX, XXXX, CA. I've waited on hold for 45 minutes or more explaining this address is wrong and I never lived in California. To this day, the 3 bureaus still have not removed this address. When I try to open an account and I'm asked security questions, this address pops up. If I respond I never lived at the location, I'm denied an account or my credit report is locked because I had to respond I lived at this address in the past. Again, I've never lived at the address nor lived in California. I want this address permanently deleted off my credit 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 2020-07-09 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: TX

Complaint narrative:
I've went online many times for over a year on Equifax, XXXX and XXXX disputing that I never lived at XXXX XXXX, XXXX, CA. I've waited on hold for 45 minutes or more explaining this address is wrong and I never lived in California. To this day, the 3 bureaus still have not removed this address. When I try to open an account and I'm asked security questions, this address pops up. If I respond I never lived at the location, I'm denied an account or my credit report is locked because I had to respond I lived at this address in the past. Again, I've never lived at the address nor lived in California. I want this address permanently deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: U.S. BANCORP
State: CA

Complaint narrative:
I tried to deposit a check that I thought was good but it wasnt

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 2020-07-09 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: ME

Complaint narrative:
I have had NOTHING but problems with Equifax for the past SEVERAL YEARS and I am getting sick to death of it. My wife and I are trying to purchase a new home, but there are inaccuracies on my Equifax credit report that are decreasing my credit score and I CAN NOT ACCESS MY CREDIT REPORT ON THE EQUIFAX WEB SITE TO DISPUTE THESE ITEMS AND HAVE THEM REMOVED. I have had absolutely NO problems with XXXX or XXXX and my scores with those two bureaus are nearly 100 points higher than my Equifax report because these crooks with Equifax have repeatedly denied me access to my credit report and their online dispute!!! I can only view my Equifax report via the XXXX XXXX  web site, but I have to do all disputes through Equifax directly which I have NOT been able to do. Literally EVERY SINGLE TIME I try to access the Equifax online dispute system, I get the following error " This site cant be reached. My.equifax.coms server IP address could not be found. '' I have tried to access this on multiple different computers and mobile devices as well as multiple different browsers, but I continue to get this same error on all of them. I have contacted Equifax by email a few months ago, who was TOTALLY useless and did absolutely NOTHING to help me. All they did was mail me a copy of my credit report. THAT IS NOT WHAT I NEEDED!!! I need my ONLINE ACCESS TO THE DISPUTE SYSTEM FIXED!!!!! You people are infringing upon my consumer rights to have full access to view my online credit report as well as dispute items on it. I finally got fed up and MAILED my dispute to Equifax 2 months ago ( XXXX of XXXX ). It is now XXXX and have NOT had a SINGLE RESPONSE to this dispute, not even so much as acknowledgement of receipt of my mailed dispute!!!! Upon doing some online research and reading some posts credit forums from other consumers, I have quickly discovered that almost EVERYONE has these types of problems with Equifax. If my online access to my credit report as well as the online dispute is not corrected by XX/XX/2020, I will be getting my attorney involved and will be taking legal action as well as potentially starting up a class action lawsuit against Equifax, because I KNOW that I am FAR from the only who is having problems with this bureau. What you people are doing by denying me assess to my credit report and online dispute on your web site is ILLEGAL, UNETHICAL, and is a VIOLATION OF MY RIGHTS AS A CONSUMER and I WILL NOT stand for it any longer. I have been dealing with this Equifax nonsense for YEARS. I have NONE of these problems with the other 2 credit bureaus and have been able to successfully raise my scores a great deal by utilizing their online disputes and having inaccurate and old negative items removed, which Equifax is NOT affording me the same opportunity to do, and that is WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received a letter dated XX/XX/2020 notifying me that Wells Fargo is closing my account. No explanation was provided for their decision. I have been a Wells Fargo customer in good standing for many years. My account has sufficient funds, it has never been overdrawn and there has never been suspicious activity of any kind on my account. Wells Fargo Customer Service is unable to provide a reason for the closure and tells me that nothing can be done to reverse the decision. I receive direct deposits from my employer to this account and have autopayments set up for all of my bills. I'll now be forced to spend endless hours transferring my deposits and bill payments to another bank. I'm extremely frustrated that I can't get an explanation, and am quite perturbed by this situation.

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 2020-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I received an escrow analysis from my lender, Freedom Mortgage. 

Although my analysis predicted a surplus amount and a refund check was sent to me, Freedom mortgage raised my monthly payment amount. 

Freedom mortgage did not provide me with a shortage amount, nor did they provide me with the opportunity to pay any shortages so that my monthly house note would not increase. 

Freedom Mortgage just raised my house note, without any opportunity to pay the shortage. I attempted to resolve the matter by alerting them, but they have ignored or insufficiently responded to my inquiries. 

They have not answered the question of how they determined that I have a surplus which resulted in a refund and have my monthly house note go up at the same time because of a shortage. I received notice that I have an overage and shortage in the same escrow analysis letter. 

I know this sounds confusing, but that is why I require your intervention so that Freedom Mortgage can provide an accurate escrow analysis that shows what the shortage is, so I can pay it in full and reduce my monthly mortgage payment.

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 2020-07-10 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: Army and Air Force Exchange Service
State: AZ

Complaint narrative:
Issue 1- Mil star is reporting the same negative account to XXXX twice but, will two different sets of data. 

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years. 

Issue 3- XXXX is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- XXXX is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity

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 2020-07-10 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I have filed a dispute with credit bureaus in regards to incorrect items on my credit report. It has been over 30 days since my dispute and I have not received any feedback or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Credit Plus Inc
State: OH

Complaint narrative:
I have filed a dispute with credit bureaus in regards to incorrect items on my credit report. It has been over 30 days since my dispute and I have not received any feedback or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AL

Complaint narrative:
I filed a settlement claim with Equifax on XX/XX/2020. I have not gotten my claim and it has been under review for over 6 months. I have contacted the administrator directly 9 times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to inaccurate reporting in a collection account that does not have any information in the creditor there for impossible for me to verified the validity of this account, this inaccuracy reporting should be removed immediately, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please XXXX XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Collection account ( {$460.00} ) XXXX Unverified Account XXXX XXXX XXXX XXXX Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT 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 2020-07-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT 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 2020-07-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Issue 1- Mil star is reporting the same negative account to Equifax twice but, will two different sets of data.

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years.

Issue 3- Equifax is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- XXXX  is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AZ

Complaint narrative:
Issue 1- XXXX XXXX is reporting the same negative account to XXXX twice but, will two different sets of data. 

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years. 

Issue 3- XXXX is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- Experian is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity

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