vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
In XXXX of XXXX I sent a message to M & T Bank to request if it was possible to change the due date of my camper loan. About 2 weeks later I received paperwork in the mail to change the due date. As the camper loan is in both my name and my husband 's name we both signed the paper, I took a copy for my records, and placed it in the mail on XX/XX/XXXX. When no changes were made to the account in XXXX I thought perhaps they require a full billing cycle to make the change. When the change still was not reflected in XXXX I attempted to call the bank with no success. Every time I have attempted to call, which has been over a dozen times, I am looped through their menu and regardless of what options I choose it always ends with a message stating they are experiencing a higher than usual call volume and can not take my call so I should try at another time. After I was unable to reach anyone by phone I sent a message on XX/XX/XXXX through their secure message system on the bank website asking why my account still did not reflect the due date changes. I did not receive a response until XX/XX/XXXX informing me that they never received the mailed paperwork. I was told I could mail a copy again or fax it to a number they gave me and the changes would only take 2 business days to be reflected on my account once they received the paperwork. I chose fax so that I could be sure it was received this time. I faxed the paperwork to M & T Bank on XX/XX/XXXX and received confirmation that the fax was successfully transmitted. It is now XX/XX/XXXX and my account still does not reflect the changes and I have attempted to call 6 different times on XX/XX/XXXX with every call ending with the message indicating they were experiencing a high call volume and to call again later. I sent a message through their secure message system on the website on that same day, XX/XX/XXXX and still have received no response. Our camper dealer secured this loan and we had no idea there are no physical locations anywhere outside of the eastern United States. We live in Colorado and since their phone system is either unmanned or grossly inadequately manned we are literally at their mercy. I have no recourse and I can not reach anyone at this bank to find out why we have been actively working for 4 months to make a simple 10 day change to our loan due date and can not seem to accomplish this. It causes me great concern as to the reliability of this bank and as a loan holder through them I feel incredibly helpless to do anything but continue paying my loan for the next 12 years.

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 2021-02-09 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: NY

Complaint narrative:
I can't believe this. I never thought I could be a victim of identity theft. I try my absolute best to keep my information safe and I am mind blown. These accounts have negatively impacted my score and I am trying to purchase a home for myself and my family. I consulted with a lawyer and he stated that according to the Fair credit reporting act section 605b, these accounts must be removed within 4 business days because they are fraudulent. Please help me with this, I am so scared that my information was compromised.

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 2021-02-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$19000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: AL

Complaint narrative:
An account with AmeriFinancial Solutions showed up on my credit report for an account with XXXX XXXX XXXX XXXX XXXX. I sent a letter via certified mail to AmeriFinancial Solutions which the company received XX/XX/2020. The tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between the collection company and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect in my state. I have not received anything. This account is still reporting on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: LA

Complaint narrative:
FCRA violations remove good accounts please put it back on XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 Suntrust debited my account for XXXX and transferred the funds to my parents account after my parents was already in contact with the bank regarding their account that was overdrawn due to fraudulent activity and the bank advised not to pay fees while it was under investigation. This left my account at a XXXX balance, my entire paycheck had been deposited. At this time that was the only money I had to pay my bills for weeks, I was diagnosed with XXXX and was out of work for the next two weeks without pay. I contacted the bank and they told me at first that I made the transfer myself then said it was internal but could not explain why at that time someone else explained it went to my parents account giving me all the details of their account and what happened which they should not have done. I explained that I had XXXX  and the person was very rude and not understanding. My credit card payments were returned and now this is affecting my credit score I am just XXXX. My mother was able to get the return charges taken off my account however I still have a negative balance due to this.

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 2021-02-09 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX credit acceptance reported the account I had with them as dismissed under bankruptcy when I paid settlement to delete and its still showing on 3 bureau 's and Im requesting that the information be removed per our agreement I have disputed this several times and credit acceptance have reported inaccurate information now on my credit report Ive called and sent letters to the main office

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See attached XXXX XXXX XXXX XXXX application. The application was incomplete on XXXX and credit report was pulled on XX/XX/2017. The application was incomplete and wasn't to be processed as stated at top of application. I talked with a lady at XXXX XXXX XXXX President office today. She was adamant that application was complete even if undated. Unbelievable! I also filed a XXXX XXXX XXXX complaint. XXXX  XXXX is impossible to contact. XXXX XXXX will, as usual, label this complaint as a duplicate. I am relying upon Experian and XXXX to answer this 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 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: OR

Complaint narrative:
Hello, My name is XXXX XXXX and I am writing to XXXX and SIMM Associates , Inc. regarding a debt claimed to be owed by me. It is claimed I owe {$200.00} when this is not true. XXXX attempted to send funds using a card that I had suspended due to theft and fraud. When they found out that this card was not functioning, they sent {$200.00} anyways and claimed that I owed them this money. XXXX did not consult me on sending funds on my behalf and did so without my permission. 

I disputed this transaction with them then and I am disputing it now. Through their own internal review of this transaction they still have been calling me and emailing me incessantly to pay an amount they sent without my permission. I do not owe these funds and I want this debt collection case dismissed. 

There are multitude of class action lawsuits against XXXX at this present moment regarding these issues. This is not okay to do this to consumers and users.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of the XXXX data breach that occurred with Equifax. My mother is as well. I believe that this is the reason why we both had fraudulent unemployment claims filed in Ohio in XXXX. There has also been a credit inquiry on my mom from the unemployment agency for Colorado. 
The reason for this complaint is that I am stunned that there is almost no accountability for Equifax. A class action lawsuit where you might get {$120.00} if youre lucky and a few years of free monitoring. As a financial services professional, I have seen how difficult it is to lift freezes and alerts from your credit after one is placed, making applications for services close to impossible for the consumer. Because of this, I now pay significantly more than {$120.00} every year for XXXX to avoid the hassle. I am furious that Equifax is off the hook with their settlement and offering of free monitoring for a few years. I now have a lifetime ahead of paying a lot of money for monitoring by a third party. My social security number never changes, so why is there an expiration on how long they have to help us out of their mess? 
I dont understand why this is ok with anyone and more isnt being done to help the victims. On top of that, Equifax does not have a customer service area to lodge complaints with. Why is that acceptable? I was helping my mom obtain her three in one reports and Equifaxs questions didnt line up with any of my moms recent activity. They are forcing us to request it in writing now and to show proof shes her. For all we know, all of their credit questions could be tied to fraudulent activity thats occurred thanks to this breach. We had no issues with obtaining the reports from XXXX  or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I have tried to work with my lender and they continue to advise they don't receive documents. These people don't care that you are having a hardship and don't even look at the documents. I even have my counselor helping which he keeps getting ignorant reps who just say they don't get the documents. He spoke to XXXX today, who didnt even take the time to look for the last modification packet that was submitted on XX/XX/2021. Her customer ID was : 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 2021-02-09 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: LA

Complaint narrative:
US BKPT CT XXXX XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains US BKPT CT XXXX XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$30000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$3500.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains US BKPT CT XXXX  XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains US BKPT CT XXXX  XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remove this address : see evidence attachments

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 2021-02-09 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: FL

Complaint narrative:
There are numerous accounts that are NOT related to any transactions done by me showing up on my report. This was a result of malpractice or an error.

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 2021-02-09 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: FL

Complaint narrative:
There are numerous accounts that are NOT related to any transactions done by me showing up on my report. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT.

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 2021-02-09 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: MI

Complaint narrative:
A {$15000.00} transfer was sent to Revolut on XX/XX/21 from my XXXX brokerage account. They asked for a statement from XXXX which I sent within 1 hour. They later asked for another statement from my source of income. I sent them my XXXX statement showing my income. They then threatened to close my account and stole all my money. Revolut claims the {$15000.00} was " reverted '' but it was never returned to XXXX. This company is a total fraud and should be shut down and the people responsible should be put in prison for life.

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 2021-02-09 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: LA

Complaint narrative:
FCRA violations remove good accounts please put it back on XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details XXXX View your Report XXXX View your credit score

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 2021-02-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XXXX XXXX credit acceptance reported the account I had with them as dismissed under bankruptcy when I paid settlement to delete and its still showing on 3 bureau 's and Im requesting that the information be removed per our agreement I have disputed this several times and credit acceptance have reported inaccurate information now on my credit report Ive called and sent letters to the main office

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 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX REPORTING 30 DAY LATE ON ACCOUNT THAT ONLY CHANGED STATUS, FROM DEFERMENT TO FOREBEARANCE, INACCURATE ACCOUNT STATUS. LOAN WAS NOT 30DAYS LATE. ACCOUNT STATUS CHANGED. I FILLED OUT MULTIPLE FORMS, MADE SEVERAL PHONE CALLS, INFORMATION IS STILL REPORTING INCORRECTLY.

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