vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
As of approximately XX/XX/XXXX, I entered into a VA forbearance option with M & T bank due to financial difficulties caused by the XXXX pandemic. The Loan Servicer M & T bank accepted my request and outlined the process for the forbearance to include maximum duration of up to 1 year. The forbearance process also identified multiple paths to exit forbearance which were available to me as a home owner, one of which was called deferment. From M & T banks process definition, I would simply communicate my intentions to keep the property and resume regular payments before the 1 year period. Once I communicated my intentions, M & T would send new loan addendum paperwork requiring my signature. Once the new loan paperwork was received by M & T, loan payments would resume as normal and the balance of payments paused during the forbearance period would be allocated to the end of the loan period extending the length of the loan equal to the loan forbearance. 
On XXXX, XXXX I communicated to M & T to start the exit process for the forbearance and enter into regular payments which 1. ) allocated all payments paused during the deferment period to the end of the loan period and 2. ) allowed me to resume regular payments for the duration of loan period as normal. ( My forbearance period was from XX/XX/XXXX through XX/XX/XXXX where XX/XX/XXXX was the date I started making payments per direction from M & T bank ) On XX/XX/XXXX, M & T bank sent me multiple documents identifying the new terms of the loan according to the forbearance plan to sign and send back for recording. From XXXX, XXXX through XXXX, XXXX M & T bank sent multiple copies of identical loan documents which I identified and communicated as redundant in nature. Nonetheless, I signed and mailed said document ( s ) back to M & T with a final copy sent on XXXX, XXXX time frame. 
During the entire forbearance exit process starting XXXX, XXXX, M & T bank has verbally communicated they have a back log of loans transitioning out of forbearance into regular payment status and can not process my exit request. Ive resumed payments on-time in the full amount starting XXXX, XXXX to present ( XXXX, XXXX ) and are still unable to obtain regular account status with M & T bank. From XXXX, XXXX to present ( XXXX, XXXX ), M & T bank has kept me in a forbearance status equal to 8 months in duration. In total, my mortgage account has been in a forbearance or default state for almost 2 years. All payments paid to M & T bank from XXXX, XXXX to present have been deemed unallocated per M & T banks billing statements.

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 2022-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Coinbase refuses to allow me to close my account. They want me to upload my state issued ID in order to close it, and I do not trust them with my personal info, as I received an email indicating my account may have been compromised. Instead of closing the account for me, they are holding it XXXX. They would not even let me donate the XXXX CENTS left in my account without uploading personal info. It's a way of keeping my account XXXX, and after speaking with their customer service, they refused to provide any further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wrote a letter complaining about inaccurate and incomplete credit information in XX/XX/XXXX, and I have not received any response until XX/XX/XXXX. I have attached the letters that I have sent and the letter that I received from them together with the screenshots of the inaccuracies and errors on the report Here are the accounts in dispute for Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX BANK XXXX account # XXXX ( XXXX XXXX XXXX XXXX account # XXXX ( Transunion, XXXX XXXX XXXX XXXX AUTO account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX account # XXXX ( XXXX, XXXX ) have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX ( XXXX XXXX XXXX XXXX account # XXXX ( XXXX, XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX account # XXXX ( XXXX, Equifax ) have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX wont delete fraudulent inquiries on my credit report police report was sent and affidavit, inquiries are XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am going through divorce, upon asking for bank accounts for my ex, I Found an application that he opened an account and added me to it and forged my signature, that was in 2013, just around the same time that wells Fargo had the big problem of opening accounts without consumer consent. 
I went to the branch, I verified that the box checked on the application means that I was not there. 
I brought it up to the bank, identity theft, fraud department, I was sent a notice that they dont consider it identity theft although it ruined my credit at that time.

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Accounts being reported from hospital that are over 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 2022-04-15 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: PA

Complaint narrative:
I was notified on XX/XX/2022 by Experian that a hard inquiry against my credit reports was made on XX/XX/2022 by XXXX XXXX  XXXX. This is a case of stolen identity. I never personally called or applied for a credit card to this institution. I called XXXX XXXX  XXXX that same day to alert them. Fortunately, this was caught before any accounts were actually opened. However, my credit score dropped 4 points and I was told to report this to FTC. That same day, I froze all credit reporting by Experian, XXXX XXXX, and XXXX. Any help reversing this negative effect on my credit score would be appreciated. 
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 non-monetary relief
Consumer complaint received 2022-04-15 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX AZ ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX Account # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a
account without my written instructions

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: FL

Complaint narrative:
This has been an ongoing issue with Amerifinancial for acct # XXXX {$1100.00} acct # XXXX also {$1100.00} I have repeatedly advised you this account doesnt belong to me yet your still reporting it. I even took the time out of my schedule to mail you my affidavit and your still reporting this account. For purposes for record Ive attached a copy of a return receipt indicating that this letter was received and signed for on XX/XX/22 please remove this account from my profile immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My first problem is bank of America. I was late or did not pay correct amount with my recent payment and the bank decreased my credit line down from {$10000.00} to the current balance causing me a problem with paying a repair bill. This is the first time being late or what excuse they want to say. what ever happened to grace periods for payments? 
This happened on Monday XX/XX/22 when I tried to pay for a car repair and was declined. I then checked my account and found that the bank had lowered my credit with no warning and did not get advised until XX/XX/22. This should not happen the first a mistake is made it should when payments are behind more then 3 or more times people are fallen on hard times these days.

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 2022-04-15 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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-15 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: The Receivable Management Services LLC
State: NC

Complaint narrative:
On XXXX XXXX Receivable Management added a derogatory mark on my XXXX credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verity this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Receivable Management has violated my rights as a consumer and I'm requesting legal action to remove 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 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was notified on XX/XX/2022 by XXXX that a hard inquiry against my credit reports was made on XX/XX/2022 by XXXX XXXXXXXX XXXX. This is a case of stolen identity. I never personally called or applied for a credit card to this institution. I called XXXX XXXX XXXXXXXX that same day to alert them. Fortunately, this was caught before any accounts were actually opened. However, my credit score dropped 4 points and I was told to report this to FTC. That same day, I froze all credit reporting by XXXX, Trans Union, and XXXX. Any help reversing this negative effect on my credit score would be appreciated. 
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 2022-04-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was notified on XX/XX/2022 by XXXX that a hard inquiry against my credit reports was made on XX/XX/2022 by XXXX XXXX  XXXX. This is a case of stolen identity. I never personally called or applied for a credit card to this institution. I called XXXX XXXX  XXXX that same day to alert them. Fortunately, this was caught before any accounts were actually opened. However, my credit score dropped XXXX points and I was told to report this to FTC. That same day, I froze all credit reporting by XXXX, XXXX XXXX, and Equifax. Any help reversing this negative effect on my credit score would be appreciated. 
thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX and XXXX XXXX XXXXXXXX, have violated my rights. 
15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX and XXXX XXXX  XXXX, have violated my rights. 
15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I.C. Systems is CONSTANTLY contacting me claiming that " XXXX XXXX '' owes {$300.00} XXXX ( XXXX ). They have the wrong person as my name is not " XXXX ''. They repeatedly call and send letters after I've asked them to stop.

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