vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 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: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
In XXXX of XXXX, the MEFA student loans associated with my wifes XX/XX/XXXX education of which I am a consigner were purchased by XXXX XXXX XXXX. We immediately had issues with receiving the correct balance or amount due, nor could they XX/XX/XXXX ) explain why I was receiving late payments for loans not associated to my account number. This situation continued for the better part of 6 months when I finally was able to set up autopayments associated to the multiple accounts. Unfortunately, and what turned out to be unlawfully XXXX reported to the credit bureaus that I was late on payments an excessive number of times. I was never provided an answer as to why and was met with silence when asked for an explanation. 
Fast forward to XXXX of XXXX, the Covid crisis hits and my wife ( now a practicing XXXX XXXX is eligible for temporary deferment for the above-mentioned loans. We followed the proper procedure to defer and were assured by XXXX our account would remain in good standing. In XXXX, I receive yet another notification of XXXX plus days non-payment for a second account number. Countless hours on the phone with XXXX determined that when the data was migrated to their system in XXXX of XXXX my social security number had been miss keyed by one digit on several of the loans, thus creating another me with a different social security number and a second loan number. XXXX representatives openly acknowledged their error and agreed that this was why I was inconsistent information each time I called. 
Following countless apologies and open admission of their error the issue was escalated to the XXXX collection team who were instructed to reverse the false entries in my credit report. They did not and refused to do so with no coherent explanation. Attached are detailed extemporaneous notes to capture in detail my years long interactions with XXXX. These notes clearly capture a level of incompetence and wanting negligence by XXXX that should be considered criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax has wiped all of my accounts from my credit report and reinserted accounts that was previously taken off when I disputed them. Equifax has taken off accounts I did not dispute ruining my credit and credit score. I have several accounts that was on my Equifax that is now no longer showing. There is a XXXX XXXX on my account that do not belong to me that I disputed and it was taken off of my Equifax report and now Equifax has reinserted the erroneous account even after I sent in proof of my address and a copy of my XXXX XXXX report. XXXX XXXX is where equifax states they verify information. I sent equifax a copy of my frozen XXXX XXXX file my self. No one can pull XXXX XXXX because it is frozen due to fraud. The XXXX account is attached to an address that i disputed is not mine and is deleted from my XXXX XXXX report as well. The accounts that DO BELONG on my equifax is : XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX  XXXX/XXXX, XXXX XXXX, and XXXX. Put these accounts back on my freaking credit. I never disputed them so they should have NEVER been taken off in the beginning. I see a lawsuit coming!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: IL

Complaint narrative:
On XX/XX/20 I 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 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I was on pandemic mortgage forbearance and my forbearance was originally ending at end of XX/XX/2020. Their app asked me to respond as to my status/ability to begin my mortgage payments again after forbearance ends. I said yes but then the app automatically and immediately took me off forbearance, asking me to begin repayment on XXXX XXXX, 2020. I asked Mr Cooper to fix this so I can begin repayment in XX/XX/XXXX and told them I wanted to move the payments I missed during forbearance to the end of the loan term. THREE TIMES they botched the request and then finally told me I was denied for no reason at all other than they couldnt do it. So then I tried to apply for loan modification where we move the payments I missed during forbearance to be due at the end of loan term. 

Again, without notifying me, mr cooper cancelled my application. Ive spoken with escalations numerous times and they have XXXX sensible explanation for these haphazard rejections. This time theyre telling me my application was cancelled because they provided me with a better refinance type of offer. How is this legal? During start of pandemic their app clearly stated that we had three options - pay the missed payments immediately at end of forbearance - move missed forbearance payments to end of loan term so it extends the long term - make all forbearance payments due at the end of existing loan term. 

How am I going to resolve this if they continue to randomly cancel and reject terms????? Ive been sent in circles and now harassed by Mr Cooper debt collections 6-7 times per day via endless phone calls and texts. I WANT to pay my mortgage but they wont let me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: TN

Complaint narrative:
A BILL WAS LISTED ON MY CREDIT REPORT THAT I HAVE APPLIED OR USED

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 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The IRS submitted stimulus payments to be deposited in my bank account but Wells Fargo is holding those funds until XX/XX/XXXX. If the government has released the funds to be deposited why is Wells Fargo holding on to the money and are they earning interest on it, if so we should get that interest.

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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I reviewed my XXXX report and there is a fraudulent account appearing on my report, reporting discrepancy & i would like this to be removed.

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 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
Sorry, Im bothering the committee to help investigate the issue of my identity theft. Today, I received the issue of XXXX and Jefferson debt collection company for no reason. I have complained to the committee before. I dont know why XXXX hasnt been in two or three years. Take care of my identity theft issue! It caused me a lot of trouble. I troubled the committee to deal with it again. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XXXX after reporting to unemployment a change of address, I called US Bank relia card to request a replacement card and change of address. I was told, I needed to provide proof of identity, and was given the following address to send my proof. Verifiedusb.com/id, where I was to upload a selife. I did. On XXXX, I followed up and was advised to send my ID, proof of address, along with a letter from my landlord. I fax all the requested documents this # XXXX. I received a confirmation #. After this I began to call relia card, first weekly, then daily. Each time I call, I am either told the card is in the fraud department and must be cleared, or there's no information they can give, or they will make sure the card gets out. To date USrelia bank, has a total of {$1400.00} of my unemployment and my rent is 2 months backed up. The staff at relia with names to include XXXX ( supervisor ), XXXX XXXX, and others are amongst the names I spoke with. At this point with the current covid I am overwhelmed, having XXXX and lack of sleep. I was told I am a fraud, hangup on. I have other information if requested.. Thank you in advance for your assistance

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 2020-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I set up auto pay with capital one they fail to use it and had me late for 60 days, when I realized that I called them up they told me they dont see the auto pay. I asked them to close the account and I will pay the balance. Two months ago I paid the balance off but they refuse to remove their negative report off my credit report. On XX/XX/2020 I filled a dispute with XXXX  but capital one did not remove the pay off closed account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX, since XXXX bank of america closed my debit card, they keeping telling me is frozen, i was figthing w/o income im paying renting, phone bill, buy food, i have my daugther to feed, until now edd told me again my acount and verification identinty is gualified funds is ready to use or withdraw and active my card, i call bank of america i got 6pcs a costomer service i spoked to 1 get fix my problem, they get me all info everytime i call edd they asking me everytime identity need to sumbit, of course i sent to them but still until XXXX i reopen me edd acount is alredys fix thank gad!!! But bank america they dont wann active my edd debit please help me im so scarde mybe they used my information why i dont get my money? Happy holiday!!

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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$430.00}, {$1600.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$2400.00}, {$470.00}, {$440.00}, {$1800.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.

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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian credit freeze/unfreeze is completely broken. I was able to freeze my credit and received a pin for lifting the freeze. However, during a recent mortgage refinancing application, I could not lift the freeze. I verified my information in multiple ways, but nothing worked. I could not contact a representative online. I could not reach a representative on the phone. I could not get a credit report for myself. Attempts to request an annual credit report failed. The only avenue for lifting the freeze or getting any kind of action is to copy sensitive personal records ( driver 's license, social security card, and utility bill or other proof of address ) and physically mail in a request. This takes multiple days at best, and there is no way to track progress or get updates on credit reporting status. The delays have already cost us $ XXXX because we missed a loan offer window, and further delays may incur additional costs. If Experian is allowed to profit by gathering and controlling my information, it must be far more responsive.

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 2020-12-31 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: NJ

Complaint narrative:
I have contacted experian numerious times via mail and over the phone in regards to fraudulent accounts that have been established in my name they have failed to remove these fraudulent accounts from my report even after sending them a police report and Identity theft report that lists these accounts as fraud. There claim is that they have gotten a response from the creditor indicating that the accounts are valid in which they have also failed to provide documentation to support this claim. I believe that my rights under the FCRA are being violated. I am asking that Experian be contacted and that a resolution be made in regards to these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NJ

Complaint narrative:
I have been notifying Transunion of an issue with my credit report now over the last few months. However, there are still several inaccurate accounts on my credit report. This has gone too far and I havent seen any justice with the investigations.

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 2020-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I contacted regional acceptance on XXXX/XXXX/2020 and I told them I will hire an attorney to take over my case ... and now they want communicate with me ... they said since Im going to hire a attorney the cant no longer talk to me. The rep ask me so you hiring an attorney and I said yes! I am XXXX because Im accused of a debt that I didnt do how could they give a person a auto loan that was making 15 hours a week Logged on my work history I have never made over 40 hrs with XXXX  in XXXX XXXX nc this is fraud!!!!!

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 2020-12-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

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