vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-26 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: FL

Complaint narrative:
Trans Union is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Credit report are to be updated to reflect a forbearance status for the months indicated below. XXXX XXXX XXXX/XXXX ( 8 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.
Place in forbearance on XX/XX/XXXX and  retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - 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 explanation
Consumer complaint received 2017-06-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX. I have tried to fix my name as I showed it appears as XXXX XXXX XXXX and XXXX XXXX XXXX my birth name is XXXX XXXX XXXX but I got married 3 yrs. ago never used the name previously mention. I am trying to purchase a house and that 's how I notice I have different inquires from different companies I have never inquire an account and also different dealerships I have never applied for. Please help me as I mention before I am trying to get a house. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX / ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ID XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NM XXXX / ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2017-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I had a checking account with Suntrust specifically to pay my mortgage. Roughly 4-5 months ago the local branch closed. I paid it online for a month or so then became locked out of my account. The closest branch is an hour and a half away. I was told I could pay via a XXXX number, so I did that. I recently received notice that I owed Suntrust {$68.00} and was shocked. I have never been late on my mortgage. When I called they explained because I did not use my account in two months they withdrew the {$30.00} and change I had in there for a maintenance fee which I knew nothing about. Then when it became negative due to the maintenance fee I was charged an NSF fee. This is unreal. They refuse to withdraw the charges and are threatening to send my account to collections. Suntrust Bank Account number 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 monetary relief
Consumer complaint received 2017-06-26 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: FL

Complaint narrative:
XXXX is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. My credit report is to be updated to reflect a forbearance status for the months indicated below. Dept of EdXXXX ( XXXX XXXX ) : Placed in forbearance on XXXX XXXX and retroactively backdated to cover the past due month of XXXX XXXX. Placed in forbearance on XXXX XXXX and retroactively backdated to cover past due periods of XXXX XXXX - XXXX XXXX. Place in forbearance on XXXX XXXX and retroactively backdated to cover past due periods of XXXX XXXX - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) : Placed in forbearance on XXXX XXXX and retroactively backdated to cover the past due month of XXXX XXXX. Placed in forbearance on XXXX XXXX and retroactively backdated to cover past due months of XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one 360 is not updating my account to active hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX XXXX XXXX I successfully completed the Federal Loan Rehabilitation program and all negative payment history should have been removed from the XXXX XXXX XXXX XXXX ( XXXX ), reported by Experian, however entire trade line has been removed. Repeated attempts have been made by phone ( by myself and XXXX ) to correct issue as well as by XXXX submitting numerous updates to have issue correct. Experian was stating that XXXX has been submitting data in wrong format but this format is recognized by XXXX  as correct. The other two main bureaus are showing and reporting accurate information from this account. Experian has been most difficult in correcting this. They stated to XXXX that I have a right to dispute inaccurate information however I can not because the information is not being reported.

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 2017-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Debt Management Solutions, LLC
State: CA

Complaint narrative:
I sold a car ( XXXX XXXX XXXX ) back in 2015 for parts and got signed release of reliability form signed and turned into the DMV. The car was supposedly towed last year and the towing yard handed the debt that was owed onto an agency ( Nationwide Debt Management Solutions , LLC ) and said agency has been repeatedly calling and harassing my family. I do not answer phone numbers I do not recognize, so I do n't have a first account on the actions these people have done but they have been calling my family repeatedly after telling them to stop. They have threatened to call police, take me to court, and also threatened my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I started receiving phone calls. Then I searched the phone numbers and this collection company turned up as the owner. I have sent a request for their surety bond agreement, and collection licence that I may report them to the state regulator. This is in breach of HIPAA laws. I have sent three letters asking to cease and desist with the phone calls, letters, and all communications. They are continuing to report it on my credit and that too must stop. It is a violation of the FCRA, the FDCPA, and my legal rights.

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 2017-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I use coinbase as my cryptocurrency exchange and wallet. I enabled 2 factor authentication on my account as they prompted when signing in. I ended up losing my phone and got a replacement. 2 factor authentication is associated with the lost phone. I can not transfer it to my new phone without first verifying on the phone that is lost. I do not have the seeding information to restore. This leads to bigger issues. I have a limit on the amount of transactions unless verified with 2 factor authentication. I can not log in once the code expires due to the inability to verify a new code because I no longer have the original phone. I contacted support on XXXX XXXX 2017 and I have not received a reply. I contacted support via XXXX @ coinbase support and have not received a response. They do not offer phone support and all support online is automated. There is no number you can call. They literally have been ignoring other member for months without them hearing from support. At this point I feel as though they have a significant portion of my life savings locked into their platform. I literally can not get the courtesy and assurance of a response from coinbase support. I also can not access the helpdesk ticket or request page due to XXXX. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: OR

Complaint narrative:
My mother became ill with XXXX, and was living with me during her treatment. I believed her mortgage was on an autopay system through her bank because all of her other bills were arranged that way. She XXXX on XXXX XXXX, 2017, without a will. Shortly after her XXXX, she received notices in the mail that she had missed a payment. In XX/XX/XXXX and XX/XX/XXXX, I tried to contact the mortgage company in order to keep the mortgage current until we can sell the property. The company will not provide me with any information at all on how to keep the mortgage current, where to pay, how much to pay, etc. I have sent several payments to the company, with what I think are the right amounts and to the right spot, but foreclosure notices keep coming in the mail. It is like they are intentionally trying to foreclose on this property without even giving me the chance to make payments until I can sell the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and  correct information submitted to the CRA. My credit report is to be updated to reflect a forbearance status for the months indicated below. XXXX XXXX XXXX/XXXX ( 8 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.
Place in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - 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 explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
In XXXX XXXX, I received a letter about a debt stemming from a XXXX XXXX bill. The account was reported shortly after to the credit bureaus. When I called up to discuss a settlement offer, the rep told me that if I settled the debt it would be removed from my credit report. This seemed legit as this was noticed following a XXXX XXXX XXXX collect account. After debt was paid, company is unwilling to stop reporting as the rep indicated it would be the case. The rep used false promises to get me to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I keep getting negative collections on my equifax report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I tried to order my free credit report from XXXX. I tried about a month ago and was unable to complete the online application because when I get to the captcha screen, it tells me that I incorrectly entered the information three times, then tells me that I ca n't try again.The words were very clear and I know that I entered them correctly. This program does not work correctly. I read online that many people have this problem. It violates people 's right to get a free annual credit report if the only website available to get it does not work. I was eventually able to find a phone number on the FTC 's website, but I think that the company that runs XXXX needs to either fix their website, or provide a number themselves, since it is quite difficult to find that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26 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: Credit Protection Association, L.P.
State: VA

Complaint narrative:
I keep getting negative collections on my XXXX report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.

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 2017-06-26 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: I.C. System, Inc.
State: VA

Complaint narrative:
I keep getting negative collections on my XXXX report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.

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 2017-06-26 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Just got off the phone with Equifax after several failed attempts to get them to correct information on one account and remove another because of the date of the first major delinquency. Account Issue Number 1 -XXXX ( Loan Paid/close but reported as open ) I paid off XXXX on XXXX XXXX, XXXX. When a mont later Equifax was still reporting the loan open with a balance due of approximately {$14000.00} i I filed a dispute. On XXXX XXXX, XXXX they sent me a report saying they " verified '' the debt. In fact the report they sent # XXXX states the creditor reported {$13000.00} due XXXX XXXX, XXXX and thereafter reported " no data '' in XXXX and XXXX. So there was NO VERIFICATION. XXXX reports the loan as paid. Account Issue # 2 XXXX XXXX ( First Delinquency over 7 years ago ) I have asked Equifax to remove this old account several times. XXXX XXXX confirms that the loan is " old '' under FCRA rules but says its up the Equifax to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: VA

Complaint narrative:
I am a XXXX woman I previously just got fruaduatly inquirys taken off my credit and soon after more appeared some of the same ones, I have a XXXX XXXX XXXX who stole my identity and she have just been taken into custody as of X/XX/17 ... I ca n't even get out bed please help and remove these this is ruining me and I am so stressed behind this please help and remove these

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 2017-06-26 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: VA

Complaint narrative:
I am a XXXX woman I previously just got fruaduatly inquirys taken off my credit and soon after more appeared some of the same ones, I have a XXXX XXXX XXXX who stole my identity and she have just been taken into custody as of X/XX/17 ... I ca n't even get out bed please help and remove these this is ruining me and I am so stressed behind this please help and remove these

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 2017-06-26 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: VA

Complaint narrative:
I am a XXXX woman who ca n't even XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stole my identity, I cant even XXXX XXXX XXXX XXXX and I views my credit report and seen things I never applied for please help this has got me so stressed, she has been arrested as of X/XX/2017  please remove these inquirys from my credit report I did not do

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