vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: CT

Complaint narrative:
This is my second complaint with CFPB regarding a company called ECMC ( Education Credit Management Council ). My first complaint was sent on XX/XX/XXXX, reference complaint ID # XXXX. This company fraudently opened up two student loans in my name claiming I went to a college called XXXX XXXX which I never attended. The promissory note their using belongs to a college called XXXX XXXX, ECMC is presenting 2 pages of that promissory note trying to say it is from XXXX XXXX and on purpose not providing the full promissory note that shows the college name ( which I have a copy of that I can send to you ). I have contacted XXXX XXXX and proved that promissory note their using is from XXXX NOT XXXX XXXX. They are now reporting these fraudenlent loans to both credit bureaus. This company has many lawsuits against them and under investigation in Minnesota. THIS IS A VERY FRAUDELENT COLLECTION AGENCY. THEY ARE STEALING PEOPLES PERSONAL INFORMATION AND OPENING UP STUDENT LOANS OR TAKING OLD PAID OFF STUDENT LOANS AND TRYING TO COLLECT ON THEM. CFPB NEEDS TO HELP ME AND NOT IGNORE THIS PROBLEM. I CAN NOT OBTAIN A JOB BECAUSE THEY WILL TRY TO DO A WAGE GARNISHMENT AGAINST ME. I have attached one document that ECMC generated with a signature and name " XXXX XXXX '' they dated it XX/XX/XXXX and you can clearly see my signature is not on there at all.

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 2021-05-11 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: CA

Complaint narrative:
Equifax continues to show XXXX XXXX, an authorized user account that was already paid in full and closed by my husband 2 months ago, affecting my credit score. XXXX is not showing this account anymore after I made a complaint, Equifax refused to do so and still reporting this account as an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NV

Complaint narrative:
In 2017 I had endured a unavoidable eviction. The apartment complex at that time was called XXXX XXXX XXXX in XXXX Texas. I was only making {$1100.00} dollars per month income and the rent was $ XXXX/mth. They rented to me anyways. On my last 2 months of my lease I became behind on my rent and unavoidable eviction. The courts issued a notice and my final balance was {$1700.00}. This is documented in the XXXX Texas municipal eviction court and through the apartment complex. I delayed in immediate repayment due to unavoidable circumstances ( homelessness ) and was sent to collections through a company called IQDATA. I called them and made payment arrangements and was able to pay {$500.00} of the {$1700.00} amount due by the courts but was cut short of completion because I found additional housing and my rent was {$900.00} per month. I tried for 5 years to start payment to IQData until I noticed that my balance went from {$1400.00} dollars to {$4000.00} because they said I owed them back pay. I tried to repay apartment complex directly but needed the adjustment of the {$400.00} applied to the balance due and IQDATA refused to release the correct payment information to the apartment complex until I paid the full {$4000.00}. I tried legal aid and they said they couldn't help. I have suffered long enough. I need your help. IQData won't work with me at all until the full {$4000.00} is paid. The XXXX XXXX XXXX won't help me either and have hung up in my face about 7 times now because they say I am annoying them and they don't care. My actual amount due is {$1300.00} and XXXX XXXX XXXX still wants the full {$1700.00} and I've already paid {$400.00} of it to IQData and IQData refuses to pay XXXX XXXX the money I paid into my debt and won't call XXXX XXXX XXXX back to confirm until I pay them {$4000.00} in full. I have been abused enough. How can you help me. I have been homeless for 6 years now and I'm seriously considering suicide. Please help me. If you can't help me resolve this situation or have it completely deleted from my file for pain and suffering, don't bother to contact me or call with anymore I'm sorrys or there's nothing you can do. Just don't call and throw out this file. I can't take another NO IM SORRY WE CANT. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I have lived overseas ( XXXX ) for 15 years. I am trying to access my credit report online, but none of the companies are capable of understanding foreign addresses. XXXX XXXX XXXX needs US addresses. Hard to provide when I haven't set foot in the country since 2018. XXXX needs zip codes - don't have them here. XXXX doesn't want to even deal with foreign IP addresses. Transunion just sends you to XXXX, so more of the same. 

If you try to tell me that I can just request my report by mail, please understand I am not interested in mailing personal financial information at a significant cost to myself, ipso-facto, the free annual credit report is not free.

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 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Re : Wells Fargo Claims # XXXX Booking my XXXX year old son and I on XXXX XXXX XXXX trip flights, a perpetrator pretending to be XXXX XXXX resulted in the following five Wells Fargo claim disputes : ( 1 ) {$510.00} The subject line to the XX/XX/XXXX email confirmation receipt of the booking reads, " XXXX XXXX Booking Confirmation # XXXX. '' Immediately following the email, within the thread were additional flight details, described as follows : XX/XX/XXXX XXXX Flight # XXXX XXXX - XXXX XXXX XXXX, XXXX Flight # XXXX XXXX XXXX XXXX - XXXX ( 2 ) {$380.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX - XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX XXXX - XXXX ( 3 ) {$380.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX - XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX XXXX - XXXX * Additionally, a {$770.00} pending charge reflected on the account, naming XXXX XXXX the merchant. Divided in half, the charge accounted for the two {$380.00} charges, totaling {$770.00}. 

( 4 ) {$340.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX ( 5 ) {$340.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX The disputes resulting from Wells Fargo charges, totaling {$1900.00} for the two XXXX XXXX trips to XXXX, Hawaii and back to XXXX, Texas appeared to be authentic on the surface, being that we did arrive on the island. Following the arrival, XXXX XXXX advised me that my return trip was never arranged and that I had been misinformed of travel rules, resulting in our turn around trip to avoid the hotel costs of a 14-day quarantine. Related to Covid-19, these rules were not provided by the XXXX XXXX perpetrator and required that I leave the island. Stranded with child, without an authentic return trip, I was forced to purchase two tickets at $ XXXX ea., totaling {$690.00} on XX/XX/XXXX. 

I strongly feel that the bank has failed to throughly investigate the {$1900.00} charges without any prejudice and discrimination based on race, ethnicity, power, social class, and prestige. On XX/XX/XXXX a claims representative, known as " XXXX '' advised that I did not qualify for a reconsideration and could not explain why, leading me to believe other factors were wrongfully considered in the denial of claim # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX XXXX am who I say I am, a third party is not acting on my behalf. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. The items listed are also inaccurate and continue to be reported on my credit report as late, after the accounts were payed according to 15 USC 1692j and the agreement this is a violation of my consumer rights. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you delete these items as soon as possible as it is hindering me. I am trying to advance in my life by getting a home, obtain necessary goods for my livelihood and stabilize my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: GA

Complaint narrative:
XX/XX/XXXX,XX/XX/XXXX several times have disputed this item. This account is over 7years old. Each time disputed it just has been updated with same info {$7000.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: EOS Holdings, Inc.
State: NJ

Complaint narrative:
EOS CCA is reporting wrong information on my credit report This company is Re-aging my account Version # XXXX which is reporting date XXXX which is wrong well as payment History, they reporting {$1100.00} which is wrong my account is {$890.00} my Delinquent was XX/XX/XXXX as you will see in my copy of the Document which XXXX sent me they are reporting wrong information I sent them letters after letters even called them about this wrong information they reporting on me they told me Its accurate as you see its not here is my Original bill Account Summary

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Cascade Capital, LLC
State: GA

Complaint narrative:
XXXX several times have disputed this item. This account is over 7years old. Each time disputed it just has been updated with same info {$7000.00} XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XXXX several times have disputed this item. This account is over 7years old. Each time disputed it just has been updated with same info {$7000.00} Santander

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: MD

Complaint narrative:
TRANSUNION, unauthorized inquiries made without permissible purpose or consent. 


Date Name 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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed unverifiable information reporting to my credit file on XX/XX/2021. I have never received a response from either XXXX WHICH is a direct violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear CFPB, My complaint is against SunTrust Bank regarding refusal to properly apply mortgage payments and charging late fees for payments that were not late. I feel like I was forced into asking for a partial claim through Suntrust 's XXXX XXXX when I wasn't behind on my payments. I also feel like SunTrust failed to properly process my home preservation application and my eligibility for their programs to remain in my home. 

SunTrust Bank stated they never received payments from me for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX although I have repeatedly sent proof of payments of checks cashed by SunTrust for these months from XXXX XXXX  and copies of money orders. 

I received notice from SunTrust stating my loan payments stated above were not paid and I was referred to XXXX XXXX because I was behind in the payments listed above which was not. So, I completed the Home Preservation documents and submitted them to XXXX XXXX of SunTrust XXXX XXXX to hold onto my home until the matter of the payments could be cleared up. 

SunTrust put me on a forbearance through XXXX, XXXX with a promise of a partial claim at the end of the forbearance period. Since sending the cancelled checks to SunTrust and speaking to several representatives trying to clear up this matter, I have never heard back from anyone including XXXX XXXX, XXXX XXXX, XXXX XXXX and others. I have sent several emails and I have had several phones regarding this matter with SunTrust representatives. The payments were made as follows : Listed below are the checks and money orders SunTrust cashed through XXXX XXXX but refused to acknowledge the payments were received from me. I sent you photo copies from the bank via email to SunTrust representatives.. 

XXXX XXXX, XXXX and XX/XX/XXXX payments were made with attached XXXX XXXX  XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX XXXX in the amounts of XXXX and XXXX totaling XXXX. 

My complaint is against SunTrust bank and I am making the complaint on behalf of myself. Thank you for your help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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.

Complaint narrative:
I have lived overseas XXXX XXXX XXXX for 15 years. I am trying to access my credit report online, but none of the companies are capable of understanding XXXX  addresses. Annual Credit Report needs XXXX addresses. Hard to provide when I haven't set foot in the XXXX since 2018. Equifax needs zip codes - don't have them here. XXXX doesn't want to even deal with XXXX  XXXX addresses. XXXX  just sends you to AnnualCreditReport.com, so more of the same. 

If you try to tell me that I can just request my report by mail, please understand I am not interested in mailing personal financial information at a significant cost to myself, XXXX, the free annual credit report is not free.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A letter was sent to the credit reporting agencies regarding inaccuracies on my credit file. I sent a letter on XX/XX/2021. The XXXX has not contacted me regarding my case which is a direct violation of my 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 non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed unverifiable information reporting to my credit file on XX/XX/2021. I have never received a response from either XXXX. WHICH is a direct violation of my 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 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: CA

Complaint narrative:
I have a 'Homestyle ' renovation loan with Movement mortgage. I've been trying to access my loan funds since XX/XX/XXXX. That's when my contractor submitted a draw request for {$28000.00}. We've been waiting for an appraiser to come out and validate the work done on our kitchen ever since but that still hasn't happened. After multiple requests. 

In a recent email they said " Evidently we are having a difficult time getting an appraiser out to your property. The original appraiser declined our request for the re-inspection and we are now searching for another appraiser. '' I understand that might be the case for a week or two but it has been MONTHS of waiting to get our loan funds. This is unacceptable. 

thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I never took out this loan my identity was compromised via the dark web in 2015 I had no idea about this until I started a XXXX XXXX account

Company response to consumer: Closed with explanation