vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I have written to TrasUnion on several occasions disputing the fact that the items listed below are incorrect. The credit bureau has either refused to respond, sent a " frivolous '' letter, sent a " working with a credit repair company '' letter, or continues to state that they have verified the debt. Let this be a formal complaint against TransUnion. 

The following accounts are the items the credit bureau has refused to investigate : XXXX XXXX # XXXX XXXX XXXX # XXXX Please note, I have enclosed copies of letters sent to XXXX via certified mail and confirmation of receipt by the credit bureau . Remove these erroneous items immediately. 

Sincerely, XXXX 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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I paid off two student loans and paid off two credit card completely. Equifax dropped my credit score over XXXX points, before it reported the XXXX balance on the accounts. My credit is reporting addresses that dont belong to me. Every other credit bureau increased my score but Equifax will not increase it at all. I strongly believe Equifax is discriminating against minorities, by dropping scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
My mortgage company keeps redirecting my monthly statements to other addresses. 

Ive corrected them several times over past 8 months. 

Recently, i requested a loan modification or forebearance due to 2 missed payments and corvid19. 
They refused forebearance since i had included 2 other missed payments in a bankruptcy. 

My bankruptcy attorney had to send them 2 letters because my mortgage company refused to work with me directly. He did this. Now the mortgage company is sending my mail coorespondences to a different attorney in another State ( Florida ). I requested help with this multiple times over the past 4 months. I recently requested to speak to a supervisor. The representative ( employee # XXXX XXXX said no supervisor was available. She said someone would call me. I received no call back. I wrote them multiple times regarding not receiving any correspondences regarding my loan modification process. I still have not received any correspondences about my loan modification. The reps told me multiple times my mail was going to an unknown attorney in Florida. 
I started this loan modification process XX/XX/XXXX. I followed up twice only to find out they wanted additional information. I responded to bith request. I called again to find the status because i never received any coorespondences with this matter. The rep said they approved a loan modification, but i have no idea what it is. I spoke to employee # 'a XXXX, XXXX, XXXX and 2 others at least It is now XX/XX/XXXX and i am nit getting my monthly statements or any coorespondences regarding this lian modification. They will not send me my mail. They received a cease and desist order from the misdirected mail sent to the wrong attorney in another state. This address change isdue in my mortgage has been constant since my mortgage was sold to them in XX/XX/XXXX. 
I need assistance with matter since its an ongoing issue with my address constantly being change and not getting my mortgage statements. Additionally, my personal mortgage information is being exposed to many different addresses and the wrong attorney or consumers. Can you please help with this mortgage company wrongly exposing my personal information ti unknown individuals and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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:
Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. After getting out of the XXXX from a XXXX  XXXX scare then seeing all these fraudulent accounts on my credit has increased my XXXX level tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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:
THE ACCOUNT FROM SANTANDER AUTO DOES NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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:
THE ACCOUNT FROM SANTANDER AUTO DOES NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX, IL, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION # Name : XXXX XXXX My Name is not correct. Please update. 
Other Names : XXXX XXXX XXXX This is not my former name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I contacted Wells Fargo on XX/XX/XXXX through my online Message Center regarding my student loan with the below concern. On XX/XX/XXXX I received a confirmation my message was received & forwarded to the Executive Office team, but have never received a response by email, mail, or phone & I'm extremely disappointed in the lack of follow-through in their complaint department. 

I need a thorough review and explanation of my Wells Fargo Student Loan 's  repayment period with corrections made to the balance & payment application. This is supposedly a 120 month ( 10 year ) repayment student loan with an originating lending amount of {$10000.00}. However, after making monthly payments for over five years I've only paid {$2700.00} of principal. The current balance of {$12000.00} is still more than the original loan amount so I can not understand how the 120 month loan I was sold in XXXX is still not halfway paid off halfway through the payment timeline. I have reviewed all of my recent statements and can not find a disclosure, that I believe is required by Regulation Z, with a payoff timeline based on the minimum payment. There's no way this loan will be paid off during the 120 month period if my monthly payment is only applying approx. {$40.00} towards the principal. I've paid a total of {$12000.00} on this loan in five years ( {$9300.00} was interest ) which seems severely unethical and inaccurate based on the loan sold to me over the phone. Wells Fargo needs to reassess how my payments are being applied & correct this discrepancy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX, IL, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX XXXX Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

XXXX XXXX # Name : XXXX XXXX My Name is not correct. Please update. 
Other Names : XXXX XXXX XXXX This is not my former name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX, IL, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX XXXX Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION # Name : XXXX XXXX My Name is not correct. Please update. 
Other Names : XXXX XXXX XXXX This is not my former name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, 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. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I have written to XXXX  on several occasions disputing the fact that the item listed below is incorrect. The credit bureau has either refused to respond, sent a " frivolous '' letter, sent a " working with a credit repair company '' letter, or continues to state that they have verified the debt. 

Let this be a formal complaint against Experian. The following account is an item the credit bureau has refused to investigate : XXXX XXXX # XXXX Please note, I have enclosed copies of letters sent to XXXX via certified mail and confirmation of receipt by the credit bureau . 

Sincerely, XXXX 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 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2020 I wired {$5000.00} from Bank of America in NJ to XXXX XXXX XXXX XXXX. 
Today is XX/XX/2020 and the funds never got to the account i wired the money to. 
I asked the Bank of America to return the funds and credit my account but they say the XXXX XXXX XXXX XXXX  is not returning the funds and they are not even answering us. 
the PDF of the beneficiary 's account is in attach that they never received the funds. 
As result my {$5000.00} is lost and no one seems to take responsibility and do something about 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 monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The credit card company comenity bank issued a card for a store called XXXX. XXXX went bankrupt, I can no longer use the card, I seem to be no longer issued credit, so when I make a payment it isnt helping my pay down balance. How can a store close with a bankruptcy and still hold us responsible for the bill? And even if we still are why is the balance on my card going down, but available credit is still zero? Its messing up my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Before anything, I would like to thank the representatives at the credit bureaus that someone has helped in a way. I understand today 's difficulties.I am in the process of closing on my house, and the bank discovered some inaccurate accounts that needed to be addressed. On XX/XX/XXXX, I sent a series of dispute letters to the credit reporting agencies, I hoped to have an answer pertaining to these issues. After not receiving any notifications from them, I decided to contact them by phone. After speaking to someone with a very. broken XXXX, I was told that, they didn't believe, I was the person that typed the dispute letter. Frankly, I found it terribly disappointing, and offensive coming from someone without proper knowledge of the XXXX language. After verifying the fact that I HAD DISPUTED the accounts, the call went silent. It has become a terrible hassle to have some accounts properly invested. I have spent so much time, trying to review, and study federal law to be able have a good chance at winning this unjust situation. Furthermore, I would like to mention the fact that, according to section 611 of the FCRA, the bureaus must investigate and respond within 30 days. Failure to do so, will result in a lawsuit. I have also notified my attorney about this issue. Failure to close will result in losing my deposit. It will create actual damages for me and my family. In my actual dispute letters, I request investigation on XXXX XXXX act # XXXX, and a XXXX XXXX XXXX XXXX. act # XXXX. I SUBMITTED proper proof of address, my state ID, and a well written letter highlighting all of the issues located, and found a link to these 2 accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Before anything, I would like to thank the representatives at the credit bureaus that someone has helped in a way. I understand today 's difficulties.I am in the process of closing on my house, and the bank discovered some inaccurate accounts that needed to be addressed. On XX/XX/XXXX, I sent a series of dispute letters to the credit reporting agencies, I hoped to have an answer pertaining to these issues. After not receiving any notifications from them, I decided to contact them by phone. After speaking to someone with a very. broken XXXX, I was told that, they didn't believe, I was the person that typed the dispute letter. Frankly, I found it terribly disappointing, and offensive coming from someone without proper knowledge of the XXXX language. After verifying the fact that I HAD DISPUTED the accounts, the call went silent. It has become a terrible hassle to have some accounts properly invested. I have spent so much time, trying to review, and study federal law to be able have a good chance at winning this unjust situation. Furthermore, I would like to mention the fact that, according to section 611 of the FCRA, the bureaus must investigate and respond within 30 days. Failure to do so, will result in a lawsuit. I have also notified my attorney about this issue. Failure to close will result in losing my deposit. It will create actual damages for me and my family. In my actual dispute letters, I request investigation on XXXX XXXX act # XXXX, and a XXXX XXXX XXXX XXXX. act # XXXX. I SUBMITTED proper proof of address, my state ID, and a well written letter highlighting all of the issues located, and found a link to these 2 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have submitted a complete financial documents to my lender Specialized loan servicing and they claim they do not accept XX/XX/XXXX/XX/XX/XXXX Tax transcripts that are directly sent from the IRS they claim there is no schedule C on XX/XX/XXXXtaxes however I think they do not know how to actually read the transcripts. If they look on page 4 of XX/XX/XXXX transcripts Schedule C is at the end which they claim it was not submitted

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