vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: GA

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA 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 2020-09-29 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: IL

Complaint narrative:
Experian and XXXX  are fraudulent on my following accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has damaged my first time home buyers experience. My loan originator was awesome, very courteous and answered as many questions as he could. However, my loan processor was very unprofessional. She lacked communication throughout my home buying process. I submitted 59 total documents to my portal and that was not good enough. I called her 9 times in 7 days, with no response and no returned email. I was one week away from my closing and she would not answer or return my calls or emails. I reached out to two of her direct managers on XX/XX/11 with a very detailed complaint via email. I have yet to hear from either. I spoke with someone on Friday, XX/XX/XXXX and he informed me that my application was declined due to " decreased assets ''. I told him that's impossible, my accounts tripled since the time we applied for our mortgage. He informed me he would reach out to underwriting to make sure the information was correct and call me back. I have not heard from him since then. I informed him, that the denial reason is incorrect and it leads me to believe that my husband and I have been discriminated against. I have no received a denied '' letter yet to see the reason for denial. However, I can only go off of what he told me. In addition, I told him to look up my statements from XXXX and XXXX to prove my assets increased with in that time frame. It is completely unacceptable to lie and say I was denied for something and I can prove you wrong. There was no sense in urgency working with Wells Fargo. They don't care about whats important to the customer, deadlines and obviously closing dates. This has been the worst experience of my life, the worst customer service I ever received. I did not feel valued. I felt discriminated against. I felt like they asked for more documents from me than they would of someone who's a different race. I have asked someone who just mortgaged through wells Fargo whose credit score and assets are the same as mine and she only had to submit 19 documents. However, I had to submit 59, and I was still denied. I will never recommend Wells Fargo to anyone for a mortgage. They will make your experience the worst ever. At this rate, they are asking for another lawsuit! This proves why they're consistently in court for multiple settlements. They do not know how to do right by their customers. On the other hand, I went through another lender and was approved in two days with a mortgage to commitment letter on the 9th day. Someone please explain the racism and discrimination from this company. Its absurd and illogical. If Wells Fargo can not prove to me that my assets declined, and that was the reason for my denial, I will be looking to pursuit legal action for discrimination. This is in violation of the HMDA ACT, Fair Credit Reporting and ECOA.

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 2020-09-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian refuses to conduct any investigations or simply ignores them. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' To date Experian has violated this law at least 4 times with 4 different creditors. I have submitted several complaints on this website and their response is to tell me to resubmit my dispute letters, which results in them doing no investigation. I have contacted the FTC and my State Attorney General. I have also sent one more letter to them in regards to providing proof of investigation. At this point, this is my last resort before taking them to court for violating the law. The following are all of the past CFPB complaints that have not been addressed or investigated to date. Each complaint includes copies of the letters sent and proof ( certified return receipt ) that the letter was received by Experian : XXXX - submitted XX/XX/2020 - refuse to send proof of investigation ; CREDITOR # 1 : XXXX XXXX XXXX - ACCOUNT # XXXX ALLEGED : XXXX CREDITOR # 2 : XXXX XXXX XXXX - ACCOUNT # 2 ALLEGED : XXXX XXXX - submitted XX/XX/2020 - refuse to investigate XXXX XXXX XXXX XXXX, Account # XXXX Pay Status is inaccurate XXXX -submitted XX/XX/2020 - refuse to send proof of investigation XXXX  XXXX XXXX For each CFPB complaint above, I have uploaded all letters and proof of certified return receipt. Experian has willfully not investigated disputes or sent proof of investigation. They are well past 30 days at this point ( a clear violation of the law ) and they refuse to submit a response in regards to investigating. Every letter I send includes a picture of my passport, social security card, a utility bill, and a drivers license. Even with this information, they refuse to investigate and/or send proof of their investigation. 
If this is not resolved, I will contact their attorney 's office to inform them of the lawsuit documenting all of my ignored correspondences.

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 2020-09-29 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: FL

Complaint narrative:
Purchased a XXXX  at XXXX XXXX XXXX, for internal commute purposes, and had it financed with XXXX XXXX XXXX XXXX as this was set up by the team at XXXX XXXX. 
After a few months reviewing my credit scorXXXX, and various calls and claims to the credit agencies I found out that the vehicle loan I obtained from XXXX XXXX XXXX via XXXX XXXX XXXX is in the form of a credit card, not a vehicle loan. 
It is incredible and outright fraudulent to not warn, disclaim and thoroughly explain a client and costumer on the terms of a loan agreement, I would not have purchased the vehicle knowing these terms and conditions. To say the least, negligent on behalf on XXXX and XXXX, but more to an action not to be considerer as good faith in business, and truly deceitful and misleading. 
On a call with XXXX XXXX XXXX XXXX, the person that responded my call and questions was very rude, and intended to disregard the situation, and further try to convince me that the XXXX  i purchased was not a vehicle. 
I can not comprehend the audacity of this person to say such, as this vehicle is registered in the Florida XXXX and carries a license plate, and is my sole vehicle in Florida. 
Right now, instead of a newly agreed vehicle or even personal loan, that just started to amortize, credit agencies treat such as a maxed-out credit card. 
This has impacted my credit score for the past few months, and I was in plans to purchase property early next year.

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 2020-09-29 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: FL

Complaint narrative:
Purchased a XXXX  at XXXX XXXX XXXX, for internal commute purposes, and had it financed with XXXX XXXX XXXX XXXX as this was set up by the team at XXXX XXXX. 
After a few months reviewing my credit score, and various calls and claims to the credit agencies I found out that the vehicle loan I obtained from XXXX XXXX XXXX via XXXX XXXX XXXX is in the form of a credit card, not a vehicle loan. 
It is incredible and outright fraudulent to not warn, disclaim and thoroughly explain a client and costumer on the terms of a loan agreement, I would not have purchased the vehicle knowing these terms and conditions. To say the least, negligent on behalf on XXXX and XXXX, but more to an action not to be considerer as good faith in business, and truly deceitful and misleading. 
On a call with XXXX XXXX XXXX XXXX, the person that responded my call and questions was very rude, and intended to disregard the situation, and further try to convince me that the XXXX  i purchased was not a vehicle. 
I can not comprehend the audacity of this person to say such, as this vehicle is registered in the Florida XXXX and carries a license plate, and is my sole vehicle in Florida. 
Right now, instead of a newly agreed vehicle or even personal loan, that just started to amortize, credit agencies treat such as a maxed-out credit card. 
This has impacted my credit score for the past few months, and I was in plans to purchase property early next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: IL

Complaint narrative:
XXXX  and TransUnion are fraudulent on my following accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: IL

Complaint narrative:
XXXX  and Experian are fraudulent on my following accounts : XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
debt was paid company didnt take it 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 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SRA Associates, Inc.
State: DC

Complaint narrative:
XXXX XXXX  informed me I needed to settle a credit card payment. I was able to successfully settle this with SRA associates and Im requesting that my credit report be returned to its previous status and that the delinquency notice be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: IL

Complaint narrative:
TransUnion and XXXX  are fraudulent on my following accounts : XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC Bank informed me I needed to settle a credit card payment. I was able to successfully settle this with XXXX XXXX and Im requesting that my credit report be returned to its previous status and that the delinquency notice be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
XXXX is reporting a chargeoff on my credit reports. 
this is false and unauthorized. 
i have paid all my accounts please remove this chargeoff.

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 2020-09-29 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: NY

Complaint narrative:
XXXX is reporting a chargeoff on my credit reports. 
this is false and unauthorized. 
i have paid all my accounts please remove this chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
XXXX is reporting a chargeoff on my credit reports. 
this is false and unauthorized. 
i have paid all my accounts please remove this chargeoff.

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 2020-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Revolut Technologies Inc.
State: IA

Complaint narrative:
This complaint is regarding my personal account with email XXXX and my phone number is XXXX. My account was locked by an automated system without warning and I have been unable to access nearly all my money for two days. I made a mistake in trusting Revolut and moved almost all of my money to your platform right away. Because of this block, I have faced late and bounced payments fees, the inability to purchase necessities, and immense stress. I immediately sent in all the requested information via chat to the compliance officer and I did not get a reply or confirmation. I have not been able to contact anyone in more than 24 hours - the single point of contact you provide, in-app chat, is not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
hackers HAS STOLEN MY IDENITY.

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 2020-09-29 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: CA

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: MA

Complaint narrative:
Good Afternoon, I'm not sure why this is taken so long, but this can not continue to report in error. This is been over 90 days that i disputed this negative account and it's still reporting on my credit report. I was told upon paying this account that it would be removed completely from all the 3 major credit bureaus. And yet, only one of them removed it from my credit report and i'm still waiting for the other 2. I don't owe the debt but it continues to report incomplete and incorrect, and unverifiable information. I'd rather no waste anyone 's time going back and forth and would like that this is deleted from all the major credit reporting agencies effective immediately, please. This is in violation of both fcra and fdcpa on the way it's reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX  DETERMINED I WAS LATE ON STUDENT LOANS IN XX/XX/2020. I'VE PAID XXXX  FOR OVER 10 YEARS ON TIME WITH AUTO MATIC DRAFT FROM MY ACCOUNT WHICH HOLDS OVER $ 30K. I DID NOT RECIEVE ANY NOTIFICATIONS ABOUT DELIQUENCY FROM XXXX  PRIOR TO HITTING MY CREDIT.

HAPPY TO PROVIDE PROOF. 

XXXX Summary as of XXXX Beginning balance Deposits and other additions Checks and other deductions Ending balance XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
XXXX XXXX I was hospitalized for a XXXX  incident. During that time XXXX XXXX mailed a letter stating my mortgage was transferred to XXXX in c/o Loan Care. Automatic payments from my bank account ( XXXX XXXX ) continued thru XXXX was contacted by Loan regarding no payment received. I check my bank account and the payments were missing. Soon after I was locked out being able to make payments because of being 3 months behind. A legal representative from Loan Care contacted me regarding a loan modification. I did contact a company to assist. However during this time I had 2-3 medical setbacks and could not respond as timely as usual. Loan Care 's Legal representative proceeded toward foreclosure. With the assist of XXXX XXXX XXXX XXXX XXXX XXXX. I successfully filed bankruptcy XX/XX/XXXX to keep my home. XX/XX/XXXX Loan Care sold my account to XXXX. My payments were up to date. Due to their system of processing, I was unable to make a payment until XX/XX/XXXX and the payment was for one month. Recently I received a letter regarding a motion to lift automatic stay because my mortgage is two months behind. It is not. Possible one month due to their delay with processing during the  XXXX transfer. This is an urgent matter because the hearing for lifting Automatic Stay is dated for XX/XX/XXXX, XXXX. I have documents to fax only.

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