vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 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:
The following inquiry is unknown to me : XXXX XXXX XXXX - XX/XX/2019. Please investigate and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I began a refinance on XX/XX/21. I was set to close at a prolonged date of XX/XX/21. No one came to my closing. I was told a streamlined package was incomplete on the end of CitiBank. Apparently this has to do with the escrow. It has been over 40 days since then with no new closing date. This refinance loan has been in process for 142 days with the same company I have been with for 12 years. All I am getting is an escalation to prioritize with no completion. I resubmit paystubs, bank statements and my appraisal has expired for over 120 days. All I get is a run around.

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 2021-07-16 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: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX  Nelnet, Dept of Education continue to report and include INTEREST on my federal student loans. I have continuously tried to file disputes but XXXX  keeps accepting this information as accurate. Since COVID, until XX/XX/2021 they are not supposed to charge interest on student loans but they have and they have added it to my credit report, which I have disputed with no resolve. From the federal student aid website : Coronavirus and Forbearance Info for Students, Borrowers, and Parents At the U.S. Department of Education ( ED ) office of Federal Student Aid, we are actively monitoring the coronavirus/COVID-19 emergency. 

COVID-19 Emergency Relief Flexibilities Extended Through at Least XXXX XXXX, 2021 The COVID-19 emergency relief flexibilities include but arent limited to the following relief measures for ED-owned federal student loans : a suspension of loan payments a 0 % interest rate stopped collections on defaulted loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TX

Complaint narrative:
U S DEPT OF EDXXXX {$5500.00} Closed 22 potentially negative months DEPT OF ED/XXXX  {$0.00} Closed 10 late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type - Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status At least 120 days or more than four payments past due Status date XX/XX/XXXX Past due amount - Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - - XXXX XXXX 120 120 120 XXXX 90 120 120 120 120 120 120 XXXX - On Time 120+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS Your statements - Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX  XXXX, XXXX, GA, XXXX US DEPARTMENT OF EDU {$5500.00} Closed 44 potentially negative months DEPTEDXXXX {$0.00} Closed 9 late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status 120 days past due Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 120 120 - - - - - - - - - - XXXX 90 120 120 120 120 120 120 XXXX - - - - - On Time 120+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments Account closed due to transfer Your statements - Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your TransUnion Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to TransUnion. Dispute with TransUnion Online or by Mail at XXXX. XX/XX/XXXXXXXX, XXXX, PA XXXX US DEPT ED {$5500.00} Closed Unknown payment 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 explanation
Consumer complaint received 2021-07-17 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:
U S DEPT OF ED/XXXX {$5500.00} Closed 22 potentially negative months DEPT OF ED/XXXX  {$0.00} Closed XXXX late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type - Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status At least 120 days or more than four payments past due Status date XX/XX/XXXX Past due amount - Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - - XXXX XXXX 120 120 120 XXXX 90 120 120 120 120 120 120 XXXX - On Time 120+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CONSUMER DISPUTES - REINVESTIGATION IN XXXX XXXX statements - Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Is everything correct? 
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX US DEPARTMENT OF EDU {$5500.00} Closed 44 potentially negative months DEPTEDXXXX {$0.00} Closed 9 late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status 120 days past due Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 120 120 - - - - - - - - - - XXXX 90 120 120 120 120 120 120 XXXX - - - - - On Time XXXX20+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments Account closed due to transfer Your statements - Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX XXXX, XXXX, PA XXXX US DEPT ED {$5500.00} Closed Unknown payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: MA

Complaint narrative:
Please see the attached documents as it includes my complaint and identification.

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 2021-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX, Dept of Education continue to report and include INTEREST on my federal student loans. I have continuously tried to file disputes but XXXX  keeps accepting this information as accurate. Since COVID, until XX/XX/2021 they are not supposed to charge interest on student loans but they have and they have added it to my credit report, which I have disputed with no resolve. From the federal student aid website : Coronavirus and Forbearance Info for Students, Borrowers, and Parents At the U.S. Department of Education ( ED ) office of Federal Student Aid, we are actively monitoring the coronavirus/COVID-19 emergency.

COVID-19 Emergency Relief Flexibilities Extended Through at Least XXXX XXXX, 2021 The COVID-19 emergency relief flexibilities include but arent limited to the following relief measures for ED-owned federal student loans : a suspension of loan payments a 0 % interest rate stopped collections on defaulted loans

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 2021-07-16 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: Westlake Services, LLC
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

8. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

9. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

10. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

12. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

13. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

14. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

15. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

16. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

17. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

18. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

19. Identity Theft WESTLAKE PM Account Number : 1135**** This is not mine.

20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

21. Identity Theft Account Number : XXXX  This is not mine.

22. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

23. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

24. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

25. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

26. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

27. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

28. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

29. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

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 2021-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells Fargo took My home and Shop in an unlawful short sale. The shop was for my LLC company.It was taken from me while I was XXXX and given to someone who couldn't get a loan. 
Rather than help me save my home and shop..

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 2021-07-16 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: TX

Complaint narrative:
After a comprehensive analysis of my credit report. I have 4 accounts with late payments that are negatively affecting my credit worthiness and are also in violation of the FCRA. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Pursuant to 15 USC 1692k- Civil liability I demand XXXX dollars for each violation as you have caused severe damage to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: AZ

Complaint narrative:
I am very stressed out. I can not believe that I became a victim of Identity theft. I have some inquires that are not mine. I do not know why I have them in my credit report. Its crazy I can not live like this because these items are killing my report. These inquires violates my rights. Please promise me that you will deal with this situation and finally remove from my profile. 

Please check these fraud inquires : XXXX XXXX - XX/XX/2020 XXXX XXXX - XX/XX/2020 XXXX  - XX/XX/2020 XXXX XXXX XXXX  - XX/XX/2020 I am attaching my ID

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 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a dispute, and regards to the incorrect item on my credit report, its been well over 30 days & I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint it's a city bank company that keeps harassing me about different amounts of money sometimes its one month sometimes it's two or sometimes it's all about escrow but they never know what it's really happening i complaint about this problem few times before it's been almost 3 years im dealing with them and keep asking about the origin of the amounts owed but they don't know they keep sending me the paperwork and they say you look where the money owed is but and its nonsense i said I will pay them with any problems if they provide the proved where is the shortest in XXXX i got a loan modification and I haven't missed a payment they claimed its an escrow but every year they adjusted it I was supposed to pay only {$1400.00} and since XXXX I been paying more {$1500.00} and more and since XXXX {$1600.00} but always overpaid them and they keep saying i owed them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: IN

Complaint narrative:
I'm only XXXX years old and I've never applied for a credit card. I figured that it's time to start building my credit so I applied to the Discover it secured credit card on XX/XX/XXXX. When I got the I got the letter in the mail a week later, it stated that I wasn't approved with a credit score of XXXX. I've never had, nor used credit card before, so I was worried. I didn't know who to talk to as far as this issue until my mom and dad told me, which is why I'm filling out this complaint a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: AZ

Complaint narrative:
I am very stressed out. I can not believe that I became a victim of Identity theft. I have some inquires that are not mine. I do not know why I have them in my credit report. Its crazy I can not live like this because these items are killing my report. These inquires violates my rights. Please promise me that you will deal with this situation and finally remove from my profile. 

Please check these fraud inquires : XXXX XXXX  - XX/XX/2020 XXXX XXXX - XX/XX/2020 XXXX  - XX/XX/2020 XXXX XXXX XXXX - XX/XX/2020 I am attaching my ID

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 2021-07-17 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: AZ

Complaint narrative:
I am very stressed out. I can not believe that I became a victim of Identity theft. I have some inquires that are not mine. I do not know why I have them in my credit report. Its crazy I can not live like this because these items are killing my report. These inquires violates my rights. Please promise me that you will deal with this situation and finally remove from my profile. 

Please check these fraud inquires : XXXX XXXX  - XX/XX/2020 XXXX XXXX  - XX/XX/2020 XXXX  - XX/XX/2020 XXXX XXXX XXXX - XX/XX/2020 I am attaching my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TX

Complaint narrative:
After a comprehensive analysis of my credit report. I have 4 accounts with late payments that are negatively affecting my credit worthiness and are also in violation of the FCRA. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Pursuant to 15 USC 1692k- Civil liability I demand XXXX dollars for each violation as you have caused severe damage to my character.

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