vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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:
Reached out to XXXX, Transunion and XXXX  via mail twice concerning inaccuracies that were on my credit report. however, still were unable to get items remove and accuracy reporting properly on my credit report. 
First Date was on the XX/XX/2021 and second date was on XX/XX/2021.

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 2021-05-17 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: LA

Complaint narrative:
SOMEONE IS PUTTING ACCOUNTS IN MY NAME AND I DO NOT KNOW IT IS. I HAD MY BOOKBAG STOLEN AT THE LOCAL AT THE LOCAL MALL A FEW YEARS BACK 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 explanation
Consumer complaint received 2021-05-17 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: CA

Complaint narrative:
I called Equifax and let them know that my credit report is showing the wrong person 's information on it and needed help fixing my credit report information. The gentlemen on the line told me that I was wrong and everything matched on my credit report. Not only am I looking at it in the computer but my refinancing company is questioning and requesting proof on accounts that are not mine, I called one of the credit cards on file and they verified that it was the wrong XXXX. My date of birth, addresses, social security number, jobs, loans everything is mixed with someone who has the same first name but different everything else. He refused to help me so I had to file 9 different requests there were too many for me to file all on line. I sent a copy of my ID, SSN to show them they have the wrong information. They sent me a letter with the other person 's information telling me the problem is fixed. Yet, all the information remains mixed up. I need assistance in fixing my credit report it's messing up my credit and delaying my refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: IL

Complaint narrative:
Back in XXXX i sent letters to the bureaus regarding inaccurate information and they still have not responded. Later only to find out they lied on their website as to what address to send dispute items. I gotten no response from the bureaus yet.

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 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had entered into a payment plan with Citi ( Costco card ) last XX/XX/2020. The monthly payment I needed to make on the XXXX of each month was {$350.00} starting with the month of XX/XX/2020. 
However, after auditing my payments history recently since XXXX I noticed Citi has tricked me into making double payments each of the last 5 months. 
For example, in XXXX I was supposed to pay {$350.00} but Citi withdrew {$770.00} from my bank. In XXXX, City withdrew {$710.00} instead of {$350.00}, same as in XXXX, XXXX, and XXXX. Therefore for the past 5 months I was supposed to pay {$350.00} x 5 = {$1700.00} However, during the same five months period Citi withdrew from my bank : {$3600.00}, which is {$1800.00} extra. 
I contacted Citi ( Client Resolution Team ) in early XXXX to rectify this payment issue, but I haven't gotten 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 2021-05-17 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I haven't received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. section 611 ( a ), it is plainly stated that failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-05-17 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
XXXX I initiated a wire transfer from my bank to Binance.US using their wire transfer instructions and reference code XXXX - I received a confirmation of my wire transfer of {$10000.00} from my bank to Binance.US XXXX - I received an email from Binance.US confirming that they would process my wire transfer within XXXX business day : Wires Deposits submitted after this time will be processed on the next available business day. 
XXXX - I received an email from Binance.US claiming that they have forwarded my reference code to their payments partner, who would email me once payment is confirmed : " XXXX ( Binance.US ) XX/XX/2021, XXXX XXXX Thanks for your message. I forwarded your XXXX code to our payments partner. 

You will receive an email once they credit this wire to your account. Thanks again! 
Best regards, XXXX Binance.US support '' XXXX - I have still not received my {$10000.00} in funds to my Binance.US account, nor have I received any email from Binance.US or its payments partner, XXXX XXXX XXXX. 

After repeated emails to Binance.US  support team, I have still not received my funds nor resolution of my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I Make payment 's from the same bank account XXXX bank ) every month in full on my Wellsfargo Credit Card. Now a days it taking them 5 or 6 days to credit my credit card. On XXXX XXXX I made a payment in full it was taken out of my XXXX checking account. But it XX/XX/2021 and it's still not credited to my visa credit card. 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 non-monetary relief
Consumer complaint received 2021-05-17 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: GA

Complaint narrative:
MY PERSONAL INFORMATION WAS EXPOSED IN EQUIFAX BREACH. I SENT MULTIPLE LETTERS TO EQUIFAX IN REGRADS TO THE FOLLOWING ACCOUNTS AND EQUIFAX HAS YET TO REMOVE THESE ACCOUNTS. THIS IS MY LAST ATTEMPT TO RESLOVE THIS MATTER BEFORE I PURSUE LITIGATION AGAINST EQUIFAX. 
1. Deficient of Physically Verified Validation XXXX  Account Number : XXXX Account under litigation. Please remove it from my credit report. 

2. I have no Knowledge of this Account XXXXXXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

3. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

4. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

5. I have no Knowledge of this Account Account Number : XXXX Account under litigation. Please remove it from my credit report. 

6. I have no Knowledge of this Account Account Number : XXXX Account under litigation. Please remove it from my credit report. 

7. I have no Knowledge of this Account Account Number : XXXX Account under litigation. Please remove it from my credit report. 

8. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I started my CARES COVID Forbearance XX/XX/XXXX. XX/XX/XXXX I reached out to Freedom Mortgage to advise I was ready to move forward with my COVID Streamline FHA Solution based on the CARES Act and was advised I was eligible for a COVID Partial Claim with a loan modification to reach an affordable payment due to my income being impacted by COVID. On XX/XX/XXXX I reached out to Freedom mortgage for an update and was advised I was approved on XX/XX/XXXX for an FHA standalone modification which didn't include a partial claim. I advised the proposed payment of {$1100.00} from the offer dated XX/XX/XXXX was not affordable and was not given a valid reason as to why I was not approved for the Combination partial claim with a loan modification, but agent id XXXX would send an internal email to escalate the matter and agreed that I was eligible for a Combination partial claim/mod option. I was advised the offer letter sent were not the final terms and to sign and send it back anyway and I was assured I would be approved for the Combination partial claim /mod. I have been waiting for the final Modification/Partial Claim documents since XX/XX/XXXX and have yet to receive them. The Combination partial claim with a loan modification would reach a more affordable payment which is the solution I requested since XX/XX/XXXX and was told I was eligible for which is accurate based on the CARES Act and they type of loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: United PanAm Financial Corp.
State: NY

Complaint narrative:
United auto credit account is adding interest onto a charged off account. The account was charged off. The rep told me at court that a judge can agree to make me pay more interest but i have no judgments about court ever. They are reporting two different amounts owed to XXXX and XXXX XXXX  is also reporting that the loan is on time in 2021. The amount not the same on my credit reports, thus making reporting information incorrect and should be removed from my credit report for inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
SOMEONE IS PUTTING ACCOUNTS IN MY NAME AND I DO NOT KNOW IT IS. I HAD MY BOOKBAG STOLEN AT THE LOCAL AT THE LOCAL MALL A FEW YEARS BACK 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 explanation
Consumer complaint received 2021-05-17 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: LA

Complaint narrative:
SOMEONE IS PUTTING ACCOUNTS IN MY NAME AND I DO NOT KNOW IT IS. I HAD MY BOOKBAG STOLEN AT THE LOCAL AT THE LOCAL MALL A FEW YEARS BACK PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Back in XXXX i sent letters to the bureaus regarding inaccurate information and they still have not responded. Later only to find out they lied on their website as to what address to send dispute items. I gotten no response from the bureaus yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: GA

Complaint narrative:
MY PERSONAL INFORMATION WAS EXPOSED IN EQUIFAX BREACH. I SENT MULTIPLE LETTERS TO EQUIFAX IN REGRADS TO THE FOLLOWING ACCOUNTS AND EQUIFAX HAS YET TO REMOVE THESE ACCOUNTS. THIS IS MY LAST ATTEMPT TO RESLOVE THIS MATTER BEFORE I PURSUE LITIGATION AGAINST EQUIFAX. 
1. Deficient of Physically Verified Validation XXXX  Account Number : XXXX Account under litigation. Please remove it from my credit report. 

2. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

3. I have no Knowledge of this Account XXXX XXXX XXXX  Account Number : XXXX Account under litigation. Please remove it from my credit report. 

4. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

5. I have no Knowledge of this Account Account XXXX : XXXX Account under litigation. Please remove it from my credit report. 

6. I have no Knowledge of this Account Account XXXX : XXXX Account under litigation. Please remove it from my credit report. 

7. I have no Knowledge of this Account Account XXXX : XXXX Account under litigation. Please remove it from my credit report. 

8. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Our home loan was transferred last XXXX from another servicer to Mr Cooper. This spring XXXX effective XX/XX/2021 XXXX our loan was transferred to another servicer, but we have not received any information concerning the new servicer or how to pay our mortgage. When I couldnt pay my mortgage on XX/XX/XXXX, I started by checking the web site ( using my log in account ) and app for Mr Cooper, but I could not find any information about the transfer ( other than that is was transferred ). I have called Mr Cooper to get the necessary documents ( around XX/XX/XXXX ), I spoke with a customer representative and was told I would be sent the files. I found a compressed document was made available online and from the online portal I emailed it to myself. Upon trying to open the mortgage transferred informational document, I found that it was corrupted and could not be read. The automated phone service is useless and getting ahold of a representative has been painstaking, time-consuming, and ( as seen from the previous attempt above ) completely useless. I have no idea if the new servicer plans to fine me for late payments or attempt to apply some other unsavory consequences as a result of my lack of information, but I found the result, even as it stands at the moment to be completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: GA

Complaint narrative:
A inaccurate 30 days past due with a XXXX dollar balance has been posted to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX is reporting the allegedly he didnt receive the money transferred to him via zelle. XXXX $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: LA

Complaint narrative:
On XX/XX/2021 I started my dispute with XXXX Transunion and XXXX  because I found several errors : fraudulent inquiries and late payments that are definitely an error on my credit reports .There are also several listings of personal information that does not belong to me such as incorrect birth date, a job I have never worked at and incorrect addresses and names which make me suspect fraud or erros. I sent each of these companies a notarized affidavit with a letter explaining the specific accounts the needed to be investigated, I never received a response until I sent a 2nd letter on XX/XX/2021 which was a total of 3 months, according to the FCRA they have a total of 30 days to respond. I am very upset that my dispute has been ignored for several months and when they finally decided to reply I received a computer generated response and I feel the dispute was not actually investigated. I demand a fair investigation and details that explain the steps of the investigation because I deserve to know why these errors are on my report because its very damaging to my score and credit worthiness. If these companies continue to break the laws and not do a fair investigation my life will be ruined and I will not be able to take care of my family.

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 2021-05-17 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: TX

Complaint narrative:
please remove my fraud alert XXXX doesnt even have it correctly its costing me loans do not I I repeat do not put it one

Company response to consumer: Closed with explanation