vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 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: MA

Complaint narrative:
I am a victim of identity fraud. Someone opened accounts under my name without my knowledge XXXX date opened XX/XX/XXXX Collection date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being Furloughed from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was furloughed in XX/XX/2020.

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 2022-01-07 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being Furloughed from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was furloughed in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being XXXX from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was XXXX in XX/XX/2020.

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 2022-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
Payment Date Status Amount Principal Interest Fees XX/XX/XXXX Returned {$210.00} {$0.00} {$210.00} {$0.00} XX/XX/XXXX Paid {$200.00} {$0.00} {$200.00} {$0.00} XX/XX/XXXX Returned {$210.00} {$0.00} {$210.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$0.00} {$210.00} {$0.00} XX/XX/XXXX Returned {$210.00} {$26.00} {$190.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$21.00} {$190.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$18.00} {$190.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$14.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$12.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$10.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$8.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$6.00} {$210.00} {$0.00} I have tried to call them to settle the debt. the first lady said i could settle the debt for the amount I had gotten for the loan which is XXXX. I have already paid this company nearly double XXXX $ has already gone to them. I currently not working and am looking for a job. This also did not show up on my credit report of them checking my credit or even reporting it to the bureaus. I would like this to be taken care of but I do not know what to do. They told me i still owe them another XXXX XXXX that is double of what I borrowed.

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 2022-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I made a written agreement with NCBI credit management and they furnished me a letter stating they would delete the collection account and verbally told me so over the telephone in XX/XX/2021. They re-nigged on the agreement and now it is still showing up on my credit. I call them and I get nothing when I call 10 times a day several days in a row. This company is run by scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX MORTGAGE SER  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Madam/Sir, Thank you! 

I have a mortgage in FIFTH THIRD BANK ( www.53.com ), the mortgage loan account is XXXX. 
I already paid the full mortgage on XX/XX/XXXX, but the FIFTH THIRD BANK don't report the title company. So I get a lien on my house title, I cant trade normally, its very urgent. 

On XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website, just ask for a paid in full letter mail and fax to me. The agent of the FIFTH THIRD BANK said they will mail and fax me two busniess days, but they did not.

After two busniess days, on XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website again, they also said they will mail and fax me two busniess days, but they still did not. 

On XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website, The agent of the FIFTH THIRD BANK said they will mail and fax me one busniess day, but they still did not.

How can I get my paid in full letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I have had several issues with this company. When my mortgage was transferred to this company there was suddenly a discrepancy in the escrow and tax that was never an issue with the previous 3 companies. My payment went up significantly and I was given the option to refinance. I did that process 3 times and each time I was told there was nothing to close only for it to change multiple time every single time. There has been a reoccurring issue with communication between the departments. On one occasion i was told 5 diffrent things in a single day and thought the appt was set up to close. On the day of i find out that it was noted on the account but never entered in the system. At this point after trying to fix it i asked to file a complaint and was told to call in to the legal department only to be told there is no legal department and they refused to give me the information for corporate. I found it on my on and called and was hung up on several times. No can answer for all the issues with the escrow or for the issues for closing.

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 2022-01-07 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:
I've reached out to Equifax for the last several weeks and was unable to reach anyone that can help me. Equifax has continued to restrict my ability to dispute inaccurate information online. When I call in I get transferred around and have gotten no service and only offered a call back which never happens. Then the agent says I can only speak to XXXX in XXXX only which is never available and never returns calls. Im so fed up with Equifax 's discrimination of my credit file and how I'm continually being mishandled by Equifax and its employees. I was trying to reach out about a fraudulent account and inquiries listed on my credit file. The following account is a result of my Identity being stolen from and having my information included in data breaches : 1. XXXX  XXXX XXXX account ending in XXXX ) Fraudulent Inquiries : 1 XXXX XXXX  XX/XX/2020 XXXX / XXXX XXXX XX/XX/2020 XXXX. XXXX XXXX XXXX XX/XX/2020 Ive asked for a manager call back from the XXXX and I'm always told I can't speak to manager and that Ive reached the highest point of escalation. So even if I have a complaint from the Rep over the phone Equifax won't allow me to speak to any manger to voice any of my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: GA

Complaint narrative:
Good Morning I have been monitoring my credit recently and I have noticed two accounts reporting to all three of my credit bureaus information that is not mine. Please send this to the appropriate department and get them taken off please.

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 2022-01-07 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: GA

Complaint narrative:
Good Morning I have been monitoring my credit recently and I have noticed two accounts reporting to all three of my credit bureaus information that is not mine. Please send this to the appropriate department and get them taken off please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have $ 10k in a savings account at Affirm. 
On XX/XX/2021 I saw a " confirm this is you '' email that was generated at XXXX. Since I didn't ask to be confirmed, I told Affirm about it the morning of XX/XX/XXXX. 
They responded at XXXX, " Hello XXXX XXXX Thank you for taking the time to speak with me regarding your claim. I apologize there may have been an unauthorized activity made in your name with Affirm. We take this very seriously and rest assured, I have already sent your information to the appropriate department to review your claim. I appreciate your patience and ask that you please allow 3-5 business days for the team to follow up on the email address you provided regarding the outcome of their investigation. If you need anything in the meantime, please do not hesitate to reach out. 

If you have any questions or concerns, contact us through the Affirm Help Center at affirm.com/help or call us at XXXX between the hours of XXXX XXXX XXXX XXXX XXXX CST seven days a week. 

Sincerely, XXXX XXXX. 
Affirm Help Center helpcenter.affirm.com ref : XXXX : ref '' Then I received an email on XX/XX/XXXX at XXXX, " Hello XXXX, Thank you for reaching out to Affirm. 

I see you were in contact with us regarding an unauthorized activity. I understand how concerning it would be to discover an unauthorized account may have been created with Affirm. I am more than happy to provide you with further assistance. 

Thank you for your patience as we investigated this matter on your behalf. We have placed restrictions on the Affirm account from obtaining any future loans. Rest assured, there were no existing loans on the account and there will be no impact to your credit. 

We apologize for any inconvenience this may have caused you. If you have any additional questions or concerns, please contact us through the Affirm Help Center at https : //affirm.com/help or call us at XXXX between the hours oXXXX XXXX XXXX XXXX XXXX XXXX CT, seven days a week. Thank you and have a wonderful day! 

Sincerely, XXXX XXXX. 
Affirm Help Center helpcenter.affirm.com ref : XXXX : ref '' I didn't hear from them again. On XX/XX/XXXX at XXXX I tried to sign in to my account and retrieve some of MY cash. 
I was denied entry and asked to call to confirm it is me. It said the account is frozen. 
I did call immediately. I verified with them that this is really me. I was told that they would get back to me in 3-5 business days. 
Meanwhile, I can not access my money. And I don't believe that I will hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: MO

Complaint narrative:
I have been disputing and sending letters to the credit bureaus about the inaccurate information they are reporting on my credit file The credit bureaus automative verification has damaged my credit everytime i dispute and show proof the or ask them to show proof of there method because i have consumer rights but they violate 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 2022-01-07 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: MO

Complaint narrative:
I have been disputing and sending letters to the credit bureaus about the inaccurate information they are reporting on my credit file The credit bureaus automative verification has damaged my credit everytime i dispute and show proof the or ask them to show proof of there method because i have consumer rights but they violate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
Has no knowledge of this account and belief it to have been opened fraudulently He has contacted your company on multiple occasions demanding a request for deletion of the account be sent to the credit reporting agencies for which your company is reporting Again, my client has no knowledge of this person or address and therefore did not give consent to open an account with your company nor is he aware of this individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of Identity theft and I would like to have my documents looked at and deleted.

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 2022-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was a victim of fraud. I had someone get all my personal information through my phone somehow and someone hacked and stole money from my banking account. On this day I did make a ATM deposit and move money from one account to the other. After researching ... Im not sure exactly how these people did this but they set up an account on a platform with XXXX using all of my information. When bank had call me to confirm a code that was sent to my phone and I did so not knowing what it actually was. I was thinking it was regarding my recent deposit and money moving I made earlier. So I read back the numbers. Unknowingly authorizing the transactions. I was not aware as to what I was doing in this situation as this has never happened to me in this way. Usually the card would be shut off and put on hold and Id get text message that were detailed and I would confirm. There were 10 transactions ( {$16000.00} ) and 3 went through ( {$4400.00} ). Every rep at BOA I have spoken with can clearly see this was fraud, these people are from a different country and tried multiple times on my account and ultimately did end up with some of my money. I did notice the pending charges late that evening when I logged onto my app. The banks were closed this day for XXXX XXXX, I couldnt get them to stop the pending charges. I called them as soon as they opened and told them that this was not me and to stop all these transactions. They couldnt do anything to stop them they told me. I reached out to XXXX ( only through email ) and they tell me that all their transactions are final. I have pleaded with the bank and open a claim and it was denied 3 times. I dont know what else to do, I need some help.

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 2022-01-07 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: PA

Complaint narrative:
Experian.com has been sending me emails that have in the subject the total of my debt. These emails also show up as notifications on my phone and because they are in the subject line, anyone can see them if my phone is present. This is an egregious privacy problem, especially because it's in the subject line and can be seen when I open an email account without opening the email. I never have received emails from any business that had exact figure personal financial information in the subject line.This started shortly after asking for credit report XXXX and I receive these and similar emails with credit limit info in the subject line. I have contacted them XXXX about the problem and received a message of a reply in 2 days. I never received a reply.

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 2022-01-07 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: LEXISNEXIS
State: MO

Complaint narrative:
Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: MO

Complaint narrative:
Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.

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