vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX today I tried to login to Experian 's website to verify my address which was time sensitive. I could login to their phone app but that did not help. I tried to login to the website with the same information but was told my login information was incorrect. I tried to have my password reset but was told by the site that no account could be found with my email address. Tried to create a new account but the site said I already had an account with that address. You can see the loop I was stuck in. 

I called Experian 's customer support number and in the process of trying to get a person on the phone the system dismissed me and hung up. Never had a rude IVR before. Called back and went through the password reset process which sent an email to the address the website could not locate to reset my password and verify my username which was my email address. Reset the password but still could not login. The IVR then gave me the option to speak to an agent. I spent 45 minutes on the phone total and was told multiple times that my account might be locked out but the agent could not verify this nor could she unlock it. I finally after being placed on hold and told I had to wait 24 hours for my account to unlock itself at least five times I was transferred to her supervisor. She told me she could help but had to ask me a series of questions to verify my identity. This was the third time I had to verify my identity and the least secure thing I needed to do ( unlock my account ) required the highest level of verification. After going through the process I was told I would receive new emails to reset my password again. I said wait, I have already done this an it did not unlock my account, are you sure this is going to work. I was told it would and I would have to wait 10 minutes for the emails. I wish I would have demanded she stayed on the line because of course after resetting my password a 2nd time I am still getting the same error that my username and password which I just changed are incorrect.

This is a complete failure of a customer support center. I also do not like the fact that the XXXX is or is allowing Experian to outsource financial support call centers to a foreign country. No I am stuck either calling back and going through that entire process again or waiting 24 hours to see if that is really the issue with my account. Its XXXX and customer service for government services has to be better.

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 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
They debt is for a unpaid XXXX phone bill. This is the result of identity fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX XXXX I paid off an auto loan for a XXXX XXXX XXXXXXXX in the amount of {$17000.00}. I called Truist the next day on XX/XX/XXXX, and a formal complaint was issued to request a paid in full letter. I have since talked to the company twice via phone on XX/XX/XXXX & XX/XX/XXXX and twice via the online question center requesting a digital emailed copy of the paid in full letter. I have also been experiencing problems logging into my online portal. I frequently get automatically timed out when I submit my login information. If ... I am able to login, all of the payment receipts, statements, and even account information have been removed. The customer service representatives have submitted formal complaints requesting the paid in full letter, but blame the " back office '' for neglecting their job and tell me to call back in a few days to see if it has been posted to my account. In the meantime, the {$17000.00} was approve and cleared by my bank XXXX XXXX on XX/XX/XXXX. I was told by the customer service rep that I should have received a emailed & mailed receipt after the payment to which I received neither. The last form of communication i received from Truist was on XXXX XX/XX/XXXX in the form of a digital statement. As with the for mentioned example, I have not received in information on the title transfer from Truist to myself. My personal property is being held by the Truist Company with no representative having a clue of how to competently handle the situation or to which steps should be taken to get both the " paid in full letter '' or the " Title Transfer ''.

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 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CIBC BANCORP USA INC.

Complaint narrative:
I open an account with XXXX XXXX and after my first transfer, my account was frozen due to investigation with my ID and since then, I have been unable to get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I need to update my personal address and remove the other addresses from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I took out a private student loan with Wells Fargo XXXX. I stopped payment on it in XX/XX/XXXX, and they have reset the last payment date multiple times, with the last being in XXXX of XXXX. I never made those payments. Doing this is making it stay on my report for 2+ years more then is legally allowed ( 7 years ).

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 2023-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
We have been filling out loss mitigation for 3 years since XXXX and My divorce caused us to be out of work. We never heard anything and listed the house spring  of XXXX. Had a full price offer and wound up pulling out after we received a foreclosure notice and reached out that we would like to keep the home and the only reason it was listed was because we didnt hear back. We were shortly later advised to call freedom mortgage because we would qualify for a COVID modification. We were assured this multiple times so we pulled the house off the market. When we completed the COVID modification for basically reinstating payments- i it required all the information the loss mitigation packet required despite being advised it wouldnt. I called to check the status she couldnt see it then I was told the system glitches but they would get it to XXXX. We were advised no additional paperwork would be needed. We were then advised a few weeks later that we did in fact NOT QUALIFY for one of the plans under the COVID options but would be offered a similar option but didnt need to resubmit because they had everything they needed. We received a notice requesting it a few weeks later so I called I was told no I didnt need to since we had recently submitted it all. Called the night before it was due to re verify it didnt and was told just paystubs and bank statements. I demanded to speak with a supervisor for clarification. I was then placed in direct contact with someone named XXXX XXXX who is a liaison for these kinds of issues. She advised complete the entire thing. We both had to call in last minute the day of but we got it submitted online. A bit later she advised that was not sufficient and complete the hard packet. She advised I could send directly to her. I completed and put everything in one file labeling each document. Was advised she would reach out and let us know if additional documents were needed. Heard nothing and received another packet in the mail to complete. I emailed asking why they needed again and for a phone call. Never got an answer and that phone call turned into what seemed like an intentional game of phone tag that ended with an email advise if she RESENT THE APPLICATION. I went to XXXX where the incompetence continued. They asked how I would like to be contacted by phone or email and I provided TWO EMAIL addresses. Didnt hear anything for a few days and reached back out and was advised THEY CALLED but got no answer- like it was my fault yet I NEVER PROVIDED A NUMBER. WE ARE AT A LOSS. 
We pulled our house off the market which may have been our only chance to secure housing for our family of XXXX. One of them being my daughter who is XXXX and XXXX XXXX. PLEASE HELP US.

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 2023-04-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I pulled my credit report and seen that I had inaccurate information reporting on my credit.In accordance with the Fair Credit Reporting Act. The account listed below has violated my protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
-Account Name ( XXXX XXXX XXXX IL XXXX XXXX reference number XXXX I reached out several times with certified mail. The second time I got a response and they told me the information was verified. I also sent over a letter from the XXXX XXXX XXXX IL ( # XXXX ) verifying that they do not report to the credit bureaus. So, the investigation was not done properly.

15 U.S.C. 1681 Section 602 A. I have the rights to privacy.

15 U.S.C. 1681 Section 604A Section 2. It 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 explanation
Consumer complaint received 2023-04-01 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: UT

Complaint narrative:
I have disputed the dismissed bankruptcies on my credit three or four times now and all I get is the same old response that everyone gets and nothing happens. If the CFPD is just going to except the companies response and close the case then what's the point of this? Those bankruptcies were scams done to me by online companies promising to stop XXXX XXXX  from foreclosing on my home of 23 years in XXXX  when I became disabled from work injuries. They scammed me for nearly {$3000.00} and I lost the house anyway along with {$40000.00} over the amount I owed on the Mortgae that was kept by XXXX a.k.a. XXXX XXXX XXXX. So thanks a lot CFPD and I hope everyone who reads this understands that this is all XXXX and nothing will be done you are wasting your time because whatever response these companies throw out there the CFPD will accept it and close your complaint. Here 's my number if anyone needs me to repeat what I just said XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have disputed the dismissed bankruptcies on my credit three or four times now and all I get is the same old response that everyone gets and nothing happens. If the CFPD is just going to except the companies response and close the case then what's the point of this? Those bankruptcies were scams done to me by online companies promising to stop XXXX XXXX from foreclosing on my home of 23 years in XXXX  when I became XXXX from work injuries. They scammed me for nearly {$3000.00} and I lost the house anyway along with {$40000.00} over the amount I owed on the Mortgae that was kept by XXXX a.k.a. XXXX XXXX XXXX. So thanks a lot CFPD and I hope everyone who reads this understands that this is all XXXX and nothing will be done you are wasting your time because whatever response these companies throw out there the CFPD will accept it and close your complaint. Here 's my number if anyone needs me to repeat what I just said 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 2023-04-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX  # XXXX, Account name XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX. XXXX XXXX XXXX  # XXXX has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report my more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a fraud alert on XXXX by XXXX asking me to contact Bank of America. I contacted Bank of America, and they said there was nothing on record. Days later I received a 'welcome to the neighborhood '' email from Bank of America XXXX Someone had opened a credit card with my old name and address. I immediately contacted Bank of America, who proceeded to give me the runaround for almost 3 months. They eventually closed the card, but took months to report it back as fraud to the credit bureau and have since sent forms and letters to all of my wrong addresses with wrong names. I put a freeze on my credit, but the way that Bank of America has handled this has been dreadful. I have had XXXX managers involved and they still couldn't get my name and address correct on their records. 
They assure me it has now been rectified, but I still have no confirmation. 
Bank of America should be ashamed of themselves.

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 2023-04-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a XXXX XXXX. Under my FHA home loan and insurance I was protected from these late payments and filed all paperwork and was approved. I have been to court and these collections were dismissed by the judge. 
The credit reporting agencies still refuse to remove them and update my accounts This debt that was dismissed also keeps going back on my report and bill collectors call me back to back every day. Please help me

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 2023-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, my car was broken into and my wallet stolen. I received a fraudulent text from Truist bank and replied NO to NOT authorize the transaction. Yet there were nearly XXXX $ of transactions that were attempted between my business and personal cards. Some transactions were denied on my personal account, but my business account was heavily used. There was a gas station amount for XXXX and a XXXX transaction for XXXX that were allowed to go through. After filing a claim with the bank ( XXXX hrs after the crime was done ) I then contacted the XXXX XXXX ( XXXX XXXX police department and filed a report with them. The police have the suspect and WILL be pressing charges. Yet Truist bank sent me a letter saying my claim was denied and I authorized the transactions. I did no such thing, and they found the person who broke into my car and took my wallet. I am dumbfounded how the police has the perpetrator yet the bank is denying the charge. How is that even possible? I was at home sleeping and have ring camera footage that I was home during the transaction period and the police have footage of the suspect in the merchants using my card UNAUTHORIZED.

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 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I called the company which has reported it to all 3 credit bureaus, I was hung up on twice after they repeatedly said they couldnt even locate the account through my social security number or account number listed on the Experian website. Finally my husband called back because I was in tears and he got the same answer they could not locate the account on their end. I told them I would screenshot shot and email what I was looking at and they refused. I told them I was a victim of identity theft that was so severe that I legally had to change my name and now I will be having file for a new social security number but they didnt care they still refused to remove the debt. It is not mine obviously and the fact they couldnt even find it in their system and refused to remove it then hung up on us a third time Im at a loss. My credit has been ruined due to this person stealing my identity. Ive lost everything from my house, my job, XXXX XXXX XXXX  and I was insured through Experian who has not compensated me a dime even though their logo is that we will take care of you and your insured for a XXXX dollars. I have police reports, bank statements, XXXX accounts, XXXX accounts, the list is never ending. Now 2 cell phone bills in collections that were opened by 2 different companies 2 months apart in states Ive never lived in. Im begging for help. My credit is already ruined and continues to be ruined. This person opened docial media accounts with my maiden name, and my married name. Has previous address dated back when I was in sixth grade. She has my birthday listed as hers, my parents and children listed as hers. The police have done nothing Ive filed with the FTC already yet Ive received no help at all. XXXX is the insurance company who is supposed to pay out claims for identity theft victims for Experian yet they just ignore me even though they after a thorough investigation they found my identity to in fact to be stolen. The amount of damage and damage that is still going on is priceless. I cant even get a credit card. She dropped my credit from a XXXX to a XXXX. Please Im begging for someone to help me, Ive been XXXXXXXX XXXX XXXX XXXX XXXX XXXX  because of ongoing damage. Just today she hacked my XXXX account, shes hacked two of my email accounts Ive never been able to recover.

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