vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UMB FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been attempting to close my checking and savings account with UMB for several weeks since XXXX  out the balance. I have called, sent emails, and sent regular mail. When calling, after an excessive wait, I inevitably get disconnected. Emails get replies that " closing your account can not be done by email. '' No response or action from the regular mail. Now that enough time has past due to their stalling, they have begun charging fees due to " insufficient funds. : '' I attempted five times using three different methods to close this account before any fees were applied. Now that fees have been applied, UMB is stating that the account can not be closed if it has a negative balance. It only has a negative balance due to their not closing it when I first asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Following up in regards to : PRIMARY CONSUMER PRODUCT AND ISSUE XXXX I did not have the opportunity for a rebuttle. I was hoping that case number can be re-opened so I can submit the documents I sent them over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2020 I filed disputes with all 3 credit bureaus that there are some collections that way pass 7 years and need to come off. I do not understand why it is taking so long for this happen? Are they not doing their jobs? Why should I have to spend my time writing this complaint when I already filed disputes with 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 explanation
Consumer complaint received 2021-02-05 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:
I sent a request to Equifax Information Services, LLC and XXXX  XXXX XXXX XXXX  XXXX to have various discrepancies on my credit reports properly investigated and to have my information updated on XX/XX/2021 and never received any notice of such investigation from either company. I went online to their websites on XX/XX/2021 and attempted to dispute the information that way and they both are claiming to still be investigating. My credit reports are still very inaccurate and it is preventing me from getting decent credit offers and opportunities as I am currently in the process of purchasing a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my personal credit profile and unknown inquiry was made from this company multiple requests to remove said inquiries or provide documentation of it's accuracy has all been ignore by company. The fraudulent inquiry remains on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I reviewed my personal credit profile and unknown inquiry was made from this company multiple requests to remove said inquiries or provide documentation of it's accuracy has all been ignore by company. The fraudulent inquiry remains on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
I reviewed my personal credit profile and unknown inquiry was made from this company multiple requests to remove said inquiries or provide documentation of it's accuracy has all been ignore by company. The fraudulent inquiry remains on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
My identity was used fraudulently to open a personal loan on XX/XX/XXXX with XXXX XXXX XXXX XXXX account # XXXX balance {$11000.00} This account is fraud .MY identity was used fraudulently on XX/XX/XXXX to open this fraudulent account with XXXX  XXXX XXXX account # XXXX {$3600.00} this account is fraud.My identity was used fraudulently ON XX/XX/XXXX to open this fraudulent account with SEQUIUM ASSET SOLUTIONSaccount # XXXX balance XXXX this account is fraud i never had any of these accounts they are all fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: KY

Complaint narrative:
I gotten back my background check for XXXX XXXX. There is a XXXX  charge from Iowa in XXXX or XXXX but I've never lived no where but Kentucky and haven't been XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have been dealing with the defamation of my consumer credit report and the cruel abuse of my reputation. Credit Control Corporation has violated my privacy and has continuously done so sense XXXX/2018. This has taken a major effect on me and my family because I could not extend myself credit pursuant to my open ended consumer credit plan. This alleged debt is not owed by me and is in fact medical information that should be excluded from a consumer credit report 15 USC 1681a ( 3 ) ( A ). This advertisement of a sale of debt is fact coercing payment of debt 15 USC 1692d ( 4 ). Which leads into the violation of 15 USC 1692e ( 10 ) - Deceptive means to collect or attempt to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To XXXX  my credit file number is XXXX im a victim of identity theft please remove and block the fraudulent accounts from my credit report I sent proof of identity theft and police report they told me that if i send proof of the original police report stating the fraudulent accounts that they will remove and block these accounts and now that i sent proof over XXXX times they are refusing to remove and block the fraudulent accounts from my credit report by bank of America, XXXX XXXX and XXXX XXXX XXXX  these accounts are fraud why is XXXX giving me a hard time to remove these fraudulent accounts when I sent all the proof to them and they keep refusing to help me I sent them what they ask for with proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2020 I filed disputes with all 3 credit bureaus that there are some collections that way pass 7 years and need to come off. I do not understand why it is taking so long for this happen? Are they not doing their jobs? Why should I have to spend my time writing this complaint when I already filed disputes with 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 explanation
Consumer complaint received 2021-02-05 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: CA

Complaint narrative:
In XX/XX/2020 I filed disputes with all 3 credit bureaus that there are some collections that way pass 7 years and need to come off. I do not understand why it is taking so long for this happen? Are they not doing their jobs? Why should I have to spend my time writing this complaint when I already filed disputes with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: STERLING JEWELERS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TX

Complaint narrative:
I sent a request to Equifax Information Services, LLC and XXXX  XXXX XXXX XXXX  XXXX to have various discrepancies on my credit reports properly investigated and to have my information updated on XX/XX/2021 and never received any notice of such investigation from either company. I went online to their websites on XX/XX/2021 and attempted to dispute the information that way and they both are claiming to still be investigating. My credit reports are still very inaccurate and it is preventing me from getting decent credit offers and opportunities as I am currently in the process of refinancing my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Direct Account Management
State: CA

Complaint narrative:
Company Direct Account Management claimed to be a student loan forgiveness program who was working on helping me with my student loan. They said they would be working on my behalf to get my total loan amount down. They withdrew {$430.00} from my bank account on 3 separate occasions, in XXXX, XXXX and then lastly in XXXX of 2020. I received a letter from my student loan provider and noticed no payments or progress had been made on my account. Said company Direct Account Management took money from me and did not provide any service to me nor have they done anything with my student loan to help me, but instead just took my money and have disappeared. They have not returned any of my calls and their main contact number is no longer in service.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: FIRST HORIZON BANK
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST HORIZON BANK
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am hoping you can help me with a problem I'm having with the Credit Bureaus. I filed disputes with all 3 of them and have yet to received any reply from them. I did this back in XXXX how long does it take? I was told it was only 30 days its over 30 days. How do I get them to reply to me and fix 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 2021-02-05 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: CA

Complaint narrative:
I am hoping you can help me with a problem I'm having with the Credit Bureaus. I filed disputes with all 3 of them and have yet to received any reply from them. I did this back in XXXX how long does it take? I was told it was only 30 days its over 30 days. How do I get them to reply to me and fix my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My home was illegally foreclosed on by NationStar Mortgage. Prior to the foreclosure NationStar made numerous errors. These errors were brought to light by the memorandum of understanding dated XX/XX/XXXX by the DOJ and the United States Trustee. Our loan was transferred to NationStar in XXXX by XXXX XXXX XXXX. Prior to the transfer to NationStar my Wife and I applied for save your home California.The monies we disbursed to save our home and they collected the funds and still foreclosed on our home. 

There is definitely fraud going on here! 

Please Help Us! 






Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
On XXXX a monthly mortgage payment in the amount of {$490.00} was received, but instead of being applied to a monthly payment it was applied to principle payment. I had to call to have the payment moved to a monthly payment, which now shows held in suspense, they state the payment was applied to a monthly payment, no where on my portal does it show that it was ever applied to a monthly payment. Again on XXXX the same thing occurred, my monthly payment was applied as a principle payment. I spoke with a supervisor on XXXX at XXXX and he had asked how I pay. I stated by check and on the check I specifically state monthly payment only, I also included a letter the 2nd time around stating that this is not to be applied to the principle. The supervisor stated well they just bundle to the checks, they don't even look at the checks. They stated that they will have the payment moved. When asking if I have to call and deal with this every month, they refused to answer. So far nothing has been resolved. This has to do with Freedom Mortgage Corp.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
XX/XX/2021 Payment sent for XX/XX/XXXX payment. Select Portfolio Servicing will NOT apply to XXXX payment and posting to my past due amount that was covered in forbearance. They never said the XXXX payment had to be sent or received after XXXX of XXXX. With the delay in postal services, I sent immediately after I was told. I want to be able to modify the mortgage after coming out of forbearance. SPS will not apply the payment and forcing me into a bad credit situation. They applied my payment to past due. Every person you speak with will tell you a different story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In early XXXX I tried to lift my security freeze with Equifax to pay the power bill at a new house. The online system locked me out for no apparent reason ( despite the fact that I entered the 10 digit pin Equifax gave me when I initiated the freeze. ) I called, but the company declared that they could not be sure I was me. I needed to mail or fax my proof of identification. In late XXXX I mailed them a letter attesting that I was who I said I was and asked them to lift the freeze. In mid XXXX I received a form letter which did not address the issues raised in my letter and demanding that I mail them a my name and social security card. Despite calling multiple times to protest that this was insecure, they insisted. So in XXXX I mailed them another letter with a photocopy of my drivers license and social security card, in black and white, front and back as they requested. I called after two weeks and again after four weeks. Equifax assured me that such letters were processed within 5-10 business days, but they had no record of receiving my identification. Now I am to fax them a copy another letter, another copy of my drivers license and social security card. They tell me it will take up to 10 days to process even a fax. After four months I still can not log into the online system or get my credit freeze lifted. I have been unable to pay the power bill at my home or refinance my mortgage because Equifax won't deal with me to lift the security freeze. After 3 letters and more than a dozen extremely frustrating phone calls, I can not do business. 

Equifax is not a company with which I have chosen to do business. It is not a government office which would have some accountability. It is a private company with unreasonable power and leaves Americans with zero recourse to, " I'm sorry ma'am. We can not help you at this time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report from transunion only shows satisfactory information but is reporting a collections account to creditors. Info doesn't match the report they show me. In addition I am not able to log the dispute online because while they can see the collections on the back end, it is not available for me to see and dispute. I also have letter from original creditor stating balance was paid ( it was sent to collections in error see letter attached collection agency is XXXX XXXX XXXX ) I was repeatedly transferred between their offline, online, and special handling department speaking with multiple supervisors and no resolution provided just more transfers. I am actively seeking a mortgage and funding and this is negatively impacting me in a serious way. I have followed all steps they have asked me to try and there is still no resolve to remove this inaccurate matter. I have also attached a copy of the Transunion report which shows no collections history.

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