vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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: NY

Complaint narrative:
I disputed a Bankruptcy account that's inaccurate. Equifax came back claiming it was verified with XXXX. The furnisher of this account is XXXX court house where I sent a letter to. There response is enclosed. I will also send the verification letter from equifax as to how they verified. Even after a ton of proof I sent to them they continue to violate my rights. I want this account removed for deformation of character and for lieing about have it verified by the furnisher. Thank you. Evidence is enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a phone call XX/XX/2022 from ( XXXX ) XXXX stating that they had been trying to reach me and that I was being sued. I was told to call ( XXXX ) XXXX to find out what I was being sued for. They stated that they had been trying to mail me a court summons from Wells Fargo to some address I was not familiar with and that I owed Wells Fargo {$3400.00}. The man stated that my wages would be garnished if I didn't pay the full amount or go on some payment plan. I stated that I had already settled with Wells Fargo 10+ years ago and that I did not owe anything. He continued to threaten me and then hung up on me. He had my social security number. I contacted XXXX XXXX XXXX and they stated the telephone numbers I provided were not legitimate and was told to file a complaint.

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 2022-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
this was my husband of 54 years XXXX XXXX XXXX and he is deceased since 2019 so this debt needs removed because its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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:
I am XXXX XXXX on XX/XX/2022 I disputed an account reported by DPT EDXXXX in the file you maintain under my Social Security number. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on 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 non-monetary relief
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX on XX/XX/2022 I disputed an account reported by XXXX XXXX  in the file you maintain under my Social Security number. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on 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 2022-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: KS

Complaint narrative:
Within the realms of the Public Service Loan Forgiveness program, it was expanded to include different options to help people in Public Service have loans forgiven. Once a loan has received XXXX payments then that loan is forgiven. One of new options of the program, is the ability to consolidate new ( er ) loans with older loans. Once these loans are consolidated, the new loans will have the same payment counts as the old loans. 

I am currently in school and am scheduled to graduate in XXXX ( 2022 ). I have student loans that go back to XXXX obviously have a high payment count. My plan was to consolidate my loans upon graduation with my older loans to take advantage of the new rules in place. This would bring up my new loan payment counts current with my old loan payment counts. 

I called FedLoan on XXXX XXXX to discuss this matter as well as others. I expressed my concern about the older loans being forgiven and how I didn't want that to occur. They noted my concern. 

I called FedLoan on XXXX XXXX to express this concern specifically and to ensure that the forgiveness didn't happen to my older loans. Further, I asked what could be done to prevent this. A " case file '' was going to be opened and I was told that I would be contacted within 24-48 business hours. 

XX/XX/XXXX, those older loans, the ones that I specifically asked not to be forgiven and what steps I need to take to prevent them being forgiven were .... Forgiven. 
I called FedLoan Ombudsman immediately upon finding this out to complain and see what my options were. He ( the guy I talked to was named XXXX XXXX stated that he would send his supervisor an email to see what my options were. XXXX stated that he would return my call ASAP and I never heard back from him. 
XX/XX/XXXX - XXXX called back immediately, and ironically talked to XXXX again. He stated that he sent the complaint up to his supervisor, and read me the response. The response indicated that the loans probably couldn't be reinstated, but they still have a balance on them. He said I could continue to escalate the issue if I wanted. I did, and he was going to transfer me to his superiors. He was unable to transfer me because no one was answering when he tried to transfer me over. He then gave me an extension and told me to call the main line, which I tried- but is notorious for long waits. In the past I've waited 3 hours on hold and never got through. I hung up after 40 minutes this AM. 

Side note - I also asked for a copy of the email that was sent from XXXX to his supervisor and the response that was sent back to XXXX. I was told that I couldn't have a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: FL

Complaint narrative:
I started disputing an account that is on my credit report that is not accurate. There were mechanical problems with the car and when I took it back to the dealership to get it fixed, I went back a few days later and the dealership was closed up and gone! It's now another company and no idea where the car went that I had taken for repair. I should not be penalized for a dealership going out of business and taking my car with them!

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 2022-02-16 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: FL

Complaint narrative:
I started disputing an account that is on my credit report that is not accurate. There were mechanical problems with the car and when I took it back to the dealership to get it fixed, I went back a few days later and the dealership was closed up and gone! It's now another company and no idea where the car went that I had taken for repair. I should not be penalized for a dealership going out of business and taking my car with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I filed For bankruptcy. My loan was with XXXX ( a loan I had since XXXX ). The loan was not reaffirmed, but all my payments have always been made on time. The loan stopped reporting to my credit bureau, as it should based on the bankruptcy, but the tradeline still showed. 

In XX/XX/XXXX XXXX took over as the loan service company for XXXX. They started reporting my payments. All payments showed current- because they were. In XX/XX/XXXX XXXX misreported mt payment as 30 days late in error. After many many phone calls, and complaints, their way to correct it was to completely delete the trade line. 

My complaint is this. This was a OPEN trade line. It had an original balance of {$400000.00}. XXXX took this over in XXXX. I did not file BK until XXXX. Although they should not have been reporting by payments, the trade line is still valid. What they should have done is simply correct their reporting. XXXX deleting the tradeline that I paid for many many years adversely effects me trying to purchase another home and refinancing my house. This is a clear violation of the Fair Credit Reporting Act. 

They sent me a letter stating that credit reporting is " terminated '' after a BK. They are not allowed however to DELETE the trade line from prior to the BK. Only stop reporting. They can only no longer report the debt for which I am not liable. It doesn't erase that I EVER had a loan.

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 2022-02-16 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On my XXXX credit report, under my Wells Fargo Mortgage account. Incorrect remarks were added with a false statement that was not reported by me. It seems that Wells Fargo Mortgage placed these inaccurate remarks, which caused my credit score to be severally affected. I did not open a dispute regarding my Wells Fargo Mortgage account balance being Paid In Full in XX/XX/2022 with XXXX. I did not have any problems with the fixed rate. This seems unfair and severe to deduct some many points for an incorrect Remark.

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 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
First, my mortage was sold to Freedom Mortgage XX/XX/2021 without my knowledge. I want my mortgage moved somewhere else. The Interest rates are extremly high and customer service is a JOKE! It took 3 weeks for a escrow analysis. I was given 3 different dates to have this completed and each time, the representative told me that the documents were not uploaded and that it would be taken care of today. I decided to refinance for a lower interest rate and cash out option. Loan Officer XXXX XXXX and discussed refinancing from XXXX to XXXX with cashout $ 20k for home repairs and load goes from {$690.00} to {$590.00} and changed from FHA to Conventional Loan. XXXX did a soft and hard credit check, completed application and never receive a call back within the 20-30 minutes I was told. 2 days later, I called and was told it was denied but of my credit card being XXXX points under their threshold for the loan... what a crock. He was rude and said application denied and there is nothing we can do about it. I do believe race is a factor in this given I had to give them my information. If I was a different race ( privelaged ), XXXX points would have not been a factor! After speaking to at least 7 reps, I get the run around. I was told the loan was pending. I was told the application for in escalation status and would be given a call from a manger. Well, I have heard that 3 times already and never received a call back. I am tired of hearing that things will be taking care of today! It's never today, it's never tomorrow, it's never the next day... Freedom is a NEVER mortgage company! I would give - 10 stars if allowed. Freedom Mortgage doesn't care about it's customers. They are not a fair company. I am currently looking for another lender. I highly recommend choosing another company that cares about you and your home.

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 2022-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
We applied to PNC Bank in XX/XX/2021 for a HELOC in our condo in XXXX. At the time of the application, we were told that the entire process would take 6-8 weeks to finish. We were constantly in touch with them and provided them will all the documents they asked for. We got conditionally approved on XX/XX/XXXX and were told that the reason it was taking this long was because of the amount of applications PNC had and not enough people to process it. We understood that and waited patiently for the final decision. 

When we initially applied, we specifically asked them if they financed condominiums and they said yes and thats why we proceeded with them. We also discontinued our process with another bank once we were conditionally approved because we were told that all our credit reports and documents were in order and that its just a matter of time for final approval. 

Then in late XXXX, the appraisal report confirmed the value of our property and we were told that the loan was undergoing final underwriting since all the requirements were met. On XX/XX/XXXX, we were then told that our building can not be financed because the commercial space in our building does not meet PNCs internal criteria ( greater than 25 % ). The hotel that is part of our building has nothing to do with our condo except that it was built by the same developer. They rejected our application after 15 weeks of going back and forth. 

In our view, this was shocking as there are several other lenders that have lent to residents in our building and the majority of our building owners apartments are financed. So, we failed to understand why PNC is unique here and more importantly why this was not told to us when we started the process. Every bank lets you know upfront during the documentation process whether the customer meets their requirements. We were told all throughout that everything looked good. We not only lost out on our HELOC, but also discontinued our other application and after 15 weeks were rejected. 

This is as bad an experience any customer can expect. PNC bank should respect their customers time and appreciate the effort it takes to provide all the documents. Had they told us upfront, we would have continued the process with the other lender that had already provided loans in our building. In our mind, there was complete disregard to basic courtesy and we will certainly not be recommending PNC bank to anyone we know. This cost us financially as well because the financing was to be used for home improvements and given the significant demand for developers, our project has now been delayed by 8 months. 

PNC bank should learn to respect their customers time and effort and have a process in place to first examine whether the building can be financed and then ask the customers for the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: PA

Complaint narrative:
I am a victim of identity theft and did not make these fraudulent charges. Please review these charges an remove them from 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 non-monetary relief
Consumer complaint received 2022-02-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXate of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I tried to pay my American Express bill by phone ( as is my usual practice ). For some reason, the phone commands would not work and I was re-routed to an individual. I paid my bill, but the individual stated that I had an issue with a prior gold-card that was terminated because it was unpaid. I said I didn't know anything about it I have not had a gold card, let alone one that wasn't paid. My credit rating varies between XXXXand XXXX. She said she needed to verify my information, which I gave her. She then stated that she was sending me over to someone in " Recovery '' stating that if I am not the person responsible for the debt, then it will be dismissed but they will expect me to sign a " Fraud Statement. '' This woman 's name was " XXXX or XXXX ( XXXX? ) and she had somewhat of an XXXX accent. I was then transferred to a male by the name of XXXX. The very first thing he asked me was if I filed for Bankruptcy in XXXX. I told him yes, but it was over 33 years ago when I was going through a divorce. My name at the time was XXXX XXXX XXXX. If so, it would have been included in the bankruptcy. I also stated that I did not recall an American Express card, but it was possible. He then stated that I had an unpaid balance with American Express. I was in a state of shock that American Express was going after me for a debt, beyond the Statute of Limitation that was discharged in Bankruptcy. I told him I thought was American Express was doing was illegal. I was extremely upset about this incident and believe this should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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 a victim of identity theft and did not authorize any of these hard inquiries. I am extremely upset because to my understanding I know TransUnion is supposed to report correct and accurate information to a consumer 's credit report but yet allowed these companies to have reported fraudulent and unauthorized hard inquiries to my report without acknowledgment and did not even bring it to my attention. I have been treated unfairly and this has financially hurt me. 
Fraudulent Inquiries : XXXX OF XXXX ( XXXX ) - XX/XX/2022 XXXX XXXX XXXX ( Finance ) - XX/XX/2022 XXXX  XXXX ( Bank ) - XX/XX/2022 XXXX ( Finance ) - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  Finance ) - XX/XX/2022 XXXX XXXX XXXX ( Bank ) - XX/XX/2022 XXXX XXXX XXXX ( Finance ) - XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

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 2022-02-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be updated from my credit reports. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me correct the concerned items for they were found erroneous and inaccurate. 
XXXX XXXX XXXX Balance {$6500.00} XXXX XXXX  XXXX XXXX Balance {$700.00}

Company response to consumer: Closed with explanation