vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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:
not mine : fcra not mine : XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX J XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
I am begging for help with TransUnion they have placed a fraud account on my credit report for US DEPT OF EDUCATION. I have explained a million times that I have never been to college or taken a loan in my name for education for my self or anyone else. I previously submitted a police report and an identity theft report. I called to follow up they told me they never got it but some of the accounts that was included on that report they deleted. I called back to follow up again the Rep said he could not look back in the files at old information even if this account was included. They have made this an entire nightmare. I have been trying to get this account that someone else opened off my credit but it seems as a punishment someone will not " READ & UNDERSTAND '' THIS A FRAD ACCOUNT OPENED IN MY NAME. Each time I contact CFPB Transunion responds that this matter must be investigated which they never do please look at all the complaint and have them delete this account IMMEDIATELY.

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 2021-06-15 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: NC

Complaint narrative:
The purpose of this complaint is to inform you that these companies I am complaining about ignored my requests. I sent a letter requesting them to validate accounts on my report that does not belong to me. Within that request there was a debt validation form that they needed to fill out. Until this date I have not received any correspondence from these companies. At this point these companies are in violation of the Fair Credit Reporting Act Section 611 ( a ). Based off of the aforementioned act and section, they must remove the provided accounts if they do not complete a thorough investigation and respond to me within 30 days. Again I would like you to know that it has been over 50 days and still no response from these companies. This situation is stressing me out and I am looking to start litigation against these companies if they continue to ignore me. If it helps, my information was affected by the XXXX  data breach.

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 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On the night of, XX/XX/XXXX my phone and card were used to make unauthorized charges to people whom I've never sent money to before, or after. Cashapp has simply said the " refund failed '' after initiating a chargeback with my bank immediately upon the matter had coming to my attention. This money is rent money, I've been borrowing from future checks to get by while cashapp just sits around and says oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NY

Complaint narrative:
To all parties involved I am submitting this complaint because the companies listed have failed to respond to my requests to address the inaccurate accounts on my report. The letter I sent them requested that they either validate these alleged accounts or remove them from my report. I sent this request out on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) states that these items must be removed if they fail to investigate and respond to me within 30 days. I requested these companies to validate the information on the report and they have failed to respond to my requests. Unfortunately were at 44 days with this dilemma and no response has been received from these companies. This information on my reports are invalid and is a form of defamation of character I can not acquire credit and this has caused significant hardship in my life. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While I was getting a loan, the bank had mentioned that my credit and payment history is excellent but of one negative on my report for delinquent payments. I said I pay all of my loans. They mentioned XXXX and I have no idea who they are. I called XXXX. They wouldnt give me any information because none of the questions they asked me matched. I asked to speak to a supervisor or manager. Again none of our info matched. I asked them if they have my ss # so I could say my last 4, and they said they dont have my ss #. I asked if they could email me what I could do. They dont even have my email address. I asked them what this was for and they said they can give me that information. I have disputed this with Experian. They cant even give me info what is it that I supposedly bought. I dont know what else to do but just know that anyone can put something negative on my credit report without having my personal information. I do whatever I can to keep my credit good and something like this is so frustrating and irritating that theres nothing I can do to maintain this. I feel helpless and I dont understand why I'm getting stuck paying someone else 's stuff. If I'm going to get stuck with this payment can I atleast get whatever it is?? Thank You! 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 2021-06-16 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: CA

Complaint narrative:
The credit bureaus have furnished and reported an inaccurate account on my credit report by XXXX. I have sent multiple letters regarding the violations on my report keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation misleading false reporting the last payment date, the balance, the reporting date, last active and date opened are all incorrect and not the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/XXXX, my checking account in XXXX  XXXX XXXX received a wire in transfer ( {$6200.00} ) from US Bank. 

On XX/XX/XXXX, XXXX XXXX XXXX put a fraud hold on my checking account and I can not get access to all the money I have on my checking account ( over {$80000.00} XXXX. 

After constant and torturing communication with XXXX  XXXX XXXX, the staff in the wire fraud department from XXXX XXXXXXXX XXXX told me that it is US Bank that put a hold on my checking account and there is nothing they can do. 

The investigation conducted by US Bank could last from 10 business days and 90 business days, during which time no money in my account can be moved. That is absurd because my checking account has over {$80000.00} and the money in that wire-in is only & XXXX. All my money is in that frozen checking account and I can not even buy groceries or XXXX. 

My request is that USBank withdraw the fraudulent hold on my checking account so that I can get access to the rest of my money or part of my money aside from {$6200.00}.

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 2021-06-16 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was treated with XXXX during XXXX and XXXX and couple of payments were delayed for 2 months while I was on bed / on treatment. 

As on date, I had already paid / settled the outstanding amounts but still apprearing on my credit report which is impacting my credit. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
I initiated a refinance effort in late XXXX, 2019. I expected the loan to close in early XXXX. I believed payoff on this loan was made timely by my new lender XXXX XXXX XXXX. Despite contacting Flagstar repeatedly asking for an update via chat, email, and phone, the Flagstar team could never confirm receipt of payment from my new lender. My new lender insisted that the payoff was sent, which was my reply as time wore on and Flagstar repeatedly called for a payment on XXXX mortgage. I informed every caller my new lender says the payment was sent and do you see anything on your side? Each time, the response I got was no payment received and once, It can take up to a month for payoffs to show. Having heard that, I was not particularly concerned that this was anything other than payments crossing in the mail. 
For 2 weeks, I showed an open balance on both the new lending institution ( XXXX ) and Flagstars respective online portals. I provided Flagstar the payoff wire code details from XXXX without prompting from Flagstar to get some movement on this. I never received any response from Flagstar regarding the payoff wire neither yes, we saw it, but or we dont have that transaction code in our system. NOTHING. 
I later learned that both Flagstar & XXXX paid the same homeowner insurance premium. On Flagstars side, that changed the escrow balance, and therefore changing the payoff amount. For that reason, when the payoff wire came in, it was inadequate to satisfy the loan in full, and was accordingly rejected the next day. Still no acknowledgment for the receipt or notification of the rejection from Flagstar. All the action and pursuit to resolve this was initiated by me and my lender reaching out to Flagstar. I never got any substantive information from Flagstar other than, your mortgage payment is late. Based on what Flagstar reps told me it could take up to a month, and both mortgage lenders showing a balanceI had every reason to expect this to get resolved with a little patience. 
When XXXX contacted Flagstar, they learned of the error. To address this, the updated payoff was recalculated by Flagstar, paid off by XXXX, and the subsequent loan closure was resolved quickly. 

I have called, written and emailed Flagstar to appeal their decision to file negative credit information about me. My argument is simple, what should I have done differently? What was my mistake? I have yet to receive an answer. I had two active loans should i have paid both? Does Flagstar have a responsibility to alert the borrower or the new lender about the rejected payment? They gave me incorrect information repeatedly when I proactively tried to fix this. Now, appealing this for my 5th time, Flagstar has rejected me again. This is totally unacceptable. They are penalizing my credit for THEIR mistake ( s )!

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 2021-06-15 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: FL

Complaint narrative:
I have a very big mistake in my reporting someone just put items that do not belong to me or to my business activity. I am shocked this is absolutely not legal I am begging you to remove them. Please figure put who did it to me and I will file a 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 2021-06-15 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: FL

Complaint narrative:
I have a very big mistake in my reporting someone just put items that do not belong to me or to my business activity. I am shocked this is absolutely not legal I am begging you to remove them. Please figure put who did it to me and I will file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cfsi Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX FL XXXX  Cfsi Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX  IN Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these

disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A
) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Cfsi Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Cfsi Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have reached out to experian a number of times to get my information on my credit report corrected. I am tired of going back and forth to have correct information updated and removed that is inaccurately reporting. 

There is a bankruptcy that is inaccurately reporting that needs to be removed. I have attempted several times to have the information removed and have yet to have it corrected. I know the information is not reporting with XXXX XXXX like Experian advises time after time in letters sent. XXXX XXXX does not have any record of a bankruptcy an this information needs to be removed from my public record sections. 

I also have inaccurate inquiries reporting that need to be removed I did not apply for credit these are inaccurate. I am not going to the creditors to ask for removal since I never applied Experian is reporting and experian needs to remove the following inquires XXXX-XX/XX/21 IXXXX XXXX Comp XX/XX/XXXX Factual Data/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : I have disputed the following inquires with XXXX  and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX  Mortgage XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have disputed the following inquires with XXXX and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX  XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Informative XX/XX/XXXX XXXX XX/XX/XXXX Datafacts XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Factual Data XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Since 2009 I have been trying to work with countrywide for a fixed affordable mortgage. During negotiations, countrywide sold to Bank of America without fixing or modifying my mortgage. I proceeded with Bank of America to get a fixed affordable rate. 
The same employee I spoke to for my modification is from countrywide, now a XXXX  representative. Things are worse for me because the pandemic and The employee made it clear because of the pandemic its impossible to refinance and they will not help/negotiate anything and so now were in forbearance. Meanwhile adding more money to the end of the mortgage so they can add more interest on forbearance. The mortgage started at {$180000.00} and will now be {$270000.00} and climbing so all they have done to help us raise my principal {$90000.00}. I am looking for any help I can get or a referral. 
NOTE : The original mortgage terms was {$50000.00} at 12 % plus {$180000.00} with fluctuating mortgage rate. I was able to pay off the {$50000.00} while struggling with the other. 
As a first time home buyer I didnt know what I was getting into. All Im hoping is to have a fixed mortgage at a fair interest that is affordable.

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 2021-06-15 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.

Complaint narrative:
To whom it may concern, I wish to make a complaint against Equifax XXXX as they are charging me for the score and credit report and never I can go the website due to their internal technical issues and I wish to have my 3-month money deduction from my credit card refunded as I can not use their service, all the time their website has an error. 

I am tired of keep calling them and they say sorry, It is not right to charge the people but they are not able to provide a reliable website. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation