vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
UNABLE TO REGAIN ACCESS TO MYEQUIFAX.COM UNLESS I SEND A COPY OF MY SOCIAL SECURITY CARD TO EQUIFAX. 
I have been unable to logon to myequifax.com due to the company awaiting specific documentation to identify myself. To fix this, i faxed my drivers license along with my social security number, birthdate, name and address with a request to correct my access the site, myequifax.com. they had me successfully change my password but still could still not get in online. The next day i was advised that even though i've been identified ( i finally was able to get thru to someone on the phone and they were able to identify me, unfreeze my account and request a copy of my credit report be sent to me ) they could not fix my online access unless i again submitted all my previous sent information BUT in addition I HAD TO ADD/SEND A COPY OF MY SOCIAL SECURITY CARD. I was told that if if didn't send in a copy of my social security card then i would not be able to get access to myequifax.com. I asked if any other document would suffice in addition to my driver 's license and was told, no, i had to specifically send in a copy of my social security card. 
I feel it is unreasonalbe ( not to mention a personal security exposure XXXX to be forced to send them a copy of my social security card to gain online access to Equifax. Especially, since thisis the primary means the public has to maintain and view their Equifax information. 
I am hoping your department can do something to have Equifax improve its methods of confirming idenitication ; they ask plenty of questions ( repeatedly ) and have this information on file already.

Equifax is VERY difficult to work with and nees to improve their processes. Their staff is process bound and simply follow scripts with no interest or desire to understand and fix situations beyond what the script calls for. 
Their response to this will probably be telling me their process is to require the social security card and i have to send it in along with sending the drivers license again, with no attempt to resolve what i consider an unreasonable and unfair requirement.they need to fix their process/procedures. 
I am hoping there is someone there that can help me re-gain my access to myequifax.com site. 
Thank you in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: MO

Complaint narrative:
Every since my identity been stolen i been noticing activity that's been done inwhich I have no knowledge of. Some of which was even left in good standings but still and all either rightfully belongs to me therefore I'm demanding that the following accounts be removed and blocked from my credit files. 

1. Dept of ED/XXXX  {$11000.00} 2. Dept of ED/ XXXX {$6800.00} 3. Dept of ED/XXXX {$10000.00} 4. Dept of ED/ XXXX {$5800.00} 5. Dept of ED/ XXXX {$10000.00} 6. Dept of ED/ XXXX {$4500.00} 7. XXXX 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 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: DC

Complaint narrative:
XX/XX/20 To whom it may concern : I am behind on mortgage payments. The mortgage company has blocked my online access to my account. I am trying to file taxes, and can't access relevant tax documents. 
I've written and called the company at least eight times in the last week without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
Bank refuses to disburse incoming wire and will NOT provide a valid reason for the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Stolen funds from a provided card. Tried filing a dispute but was not permitted to. Tried soeaking to a supervisor but have yet to speak to one regarding my account. Had to close the account so no further transactions could take place but now they refuse to even start the dispute process for the stolen funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: PA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXX XXXX XXXXXXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX since my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for you.

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 2020-10-27 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: PA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXXXXXX  XXXX XXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX since my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX XXXX my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for you.

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 2020-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My car loan was on deferment due to Covid. Bank of America mishandled the re-payment process, very poorly. They failed to inform customers, they failed to connect the customer to the people to get additional help, they failed to even know where to connect the customer, they failed to care, they failed to do everything right, but did a great job at doing everything wrong. I requested a call from Corporate 27 times via physical mail, XXXX, emails and phone calls. They failed to respond to the XXXX XXXX XXXX complaint report. Now the bank is harassing me with phone calls even though they RECEIVED their payment in XX/XX/2020, trace number XXXX / XXXX ID XXXX. The staff is extremely rude, dismissive, condescending and make things up. I am an outstanding customer for many years, I will never do business with them again. I want results asap.

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 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I signed a contract with a XXXX / XXXX XXXX for credit card processing services. I was told that using this company would save me money in processing fees. I later discovered that this was not true and they have a lot of hidden fees. So I gave them a call and they told me I enrolled with XXXX for a three-year contract. I started the service in XX/XX/XXXX and I called in XXXX to try and cancel. I was told by a customer support agent that I would receive thousands of dollars in penalties if I tried to break the contract. I decided to wait until the contract was over in XX/XX/XXXX only to learn that when it expired, it was automatically renewed for a year. I decided to go through my bank to cancel these charges. During COVID 19, I can not afford to pay for services that I am no longer using. They said the penalty to cancel approx {$500.00} for failure to notify of the intent of nonrenewal, plus late fees and monthly fees for a contract they renewed without my authorization. They have a lot of hidden fees and they are the worst company that I have ever dealt with. Now they have sent me to " collections '' with some weird collections agency in XXXX XXXX that keeps sending letters, email and threatening phone calls. They are only out to get people whichever way they can. I am worried that they will give me a bad credit review which will further affect me and my family. I honored the contract and I continued to pay, despite the fact that I was no longer using their services. I searched online and multiple people are in my same position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
RE : XXXX Synchrony Bank/ Ashley Homestore is reporting a late on my credit file for the month of XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.

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 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: ME

Complaint narrative:
Select Portolio servicing trying to payoff and sell my home. Company not providing correct POA to title company. I have called and been given run around. This issue has been going since XX/XX/2020. I need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED COMMUNITY BANK
State: FL

Complaint narrative:
On XX/XX/XXXX I obtained a construction-to-permanent loan from United Community Bank. It was discovered after closing that an error was made on the part of XXXX XXXX, the loan originator, whereby the loan amount shorted by {$10000.00}. It happened, I suspect, when she referenced an out-of-date contract prior to closing. This was despite having the correct document in hand, supported and evidenced by multiple emails. 

I brought the error to XXXX attention on XX/XX/XXXX and later had to reach out to XXXX XXXX, UCBI 's Regional Mortgage Sales Leader, ( after being shut out by XXXX denying any mistake ) to see how the deficiency could be remedied. The three of us convened a call on XX/XX/XXXX to discuss what happened. And by XX/XX/XXXX, I was assured by XXXX a clear path had been found to move forward. 

I completed construction on XX/XX/XXXX and provided all requested documentation to UCBI at that time. It is now XX/XX/XXXX and I'm being forced into a second extension at higher interest rate with no clear end in sight. I've consistently provided all requested information in a timely manner, but the bank can not or refuses to give me any sort of update regarding the loan 's status. They have left me paying interest only at 4.5 % when the loan should have already been converted to permanent financing at 3.125 %.

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 2020-10-27 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: MO

Complaint narrative:
Every since my identity been stolen i been noticing activity that's been done inwhich I have no knowledge of. Some of which was even left in good standings but still and all either rightfully belongs to me therefore I'm demanding that the following accounts be removed and blocked from my credit files. 

1. Dept of ED/XXXX  {$11000.00} 2. Dept of ED/ XXXX  {$6800.00} 3. Dept of ED/XXXX  {$10000.00} 4. Dept of ED/ XXXX  {$5800.00} 5. Dept of ED/ XXXX  {$10000.00} 6. Dept of ED/ XXXX  {$4500.00} 7. XXXX 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 2020-10-27 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: MO

Complaint narrative:
Every since my identity been stolen i been noticing activity that's been done inwhich I have no knowledge of. Some of which was even left in good standings but still and all either rightfully belongs to me therefore I'm demanding that the following accounts be removed and blocked from my credit files. 

1. Dept of ED/XXXX  {$11000.00} 2. Dept of ED/ XXXX  {$6800.00} 3. Dept of ED/XXXX {$10000.00} 4. Dept of ED/ XXXX  {$5800.00} 5. Dept of ED/ XXXX {$10000.00} 6. Dept of ED/ XXXX  {$4500.00} 7. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: NH

Complaint narrative:
Please refer to closed complaint XXXX I wrote the three credit bureaus the same date and only one has remedied the error on my credit report - XXXX  - likely because I filed a cfpb complaint against them. I expected the other two to follow suit but they have not. The other two are taking too long and this is adversely affecting my credit/score and ability to obtain credit. I am told by my local bank, with whom I am attempting a mortgage refi, that the scores with XXXX  and Equifax are good, but both still have a delinquency flag notation. I want that fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: CO

Complaint narrative:
A collection account for {$1300.00} appeared on my Transunion and XXXX credit reports in XXXX. I attempted to resolve this issue with the agency that reported the collection, XXXX. The collection agency has failed to validate the debt, including the date of first delinquency. I filed a dispute with Transunion and XXXX who both ruled the collection account was valid. I have received no information from Transunion, XXXX or XXXX as to the validity of the debt. According to my credit reports, the account appears to be from a hospital in Arizona. I have not lived or set foot in Arizona for over 14 years, so even if the debt was at one point valid, it has been illegally re-aged on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I have sent several dispute letters to Consumer Adjustment and I also sent a certified letter which I have attached the proof they got it and signed for it. I have no knowledge of this account, company, and never had any contract with this company. I also have attached the 1692G Letter based on the FDPCA. They have violated the law by reporting this unverifiable and incorrect information on my XXXX  credit report. This account needs to be deleted immediately for law violations of the FDPCA. I've tried to resolve this with the company, but clearly, compliance and accuracy are not important to them. Delete this information from my XXXX Credit Report.

Company response to consumer: Closed with explanation