vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-06 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: PA

Complaint narrative:
I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: COMMERCE BANK
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's XXXX Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$1900.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX/XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX  XXXX/XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX/XXXX  XXXX  Account Number : XXXX AMOUNT : {$770.00} Reason : Account is fraudulent Account Name : NAVIENT Account Number : XXXX AMOUNT : {$41000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX BANK ) Account Number : XXXX AMOUNT : {$930.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$640.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$1200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  ) Account Number : XXXX AMOUNT : {$690.00} Reason : Account is fraudulent Inquiries : XXXX  XXXX NA XX/XX/XXXX XXXX  XXXX AUTO FIN XXXX XXXX/XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  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 2021-07-06 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's XXXX Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$1900.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX  XXXX/XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX/XXXX  XXXX  Account Number : XXXX AMOUNT : {$770.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$41000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX BANK ) Account Number : XXXX AMOUNT : {$930.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$640.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$1200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  ) Account Number : XXXX AMOUNT : {$690.00} Reason : Account is fraudulent Inquiries : XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
Applied for Mariner Finance Loan on XX/XX/21 did not hear anything until today XX/XX/21 saying it was denied but was a soft inquiry so it would not affect my credit. Sure enough this company lied and they did a hard inquiry on my credit on XX/XX/21. Not only are they lying to customers, but this company is also not responding to my questions and refuse to tell me why I was denied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I deposited a company check on XX/XX/2021 at a local Bank of Amercia branch. This check is from the same business account from where my checks are deposited directly every 2 weeks. After making my deposit, the check was placed on hold till XX/XX/2021. That is a 10 business day hold on a company check?? I need the funds to pay for the repair of my car, which i've been without for 3 weeks. After 9 phone calls, 3 with a supervisor and 2 visits to a branch, no one can help me or give me an answer as why it takes 10 business days for a check to clear. I'm a single Father of XXXX. If I don't have a car I can't work. I understand a 2 or even 3 day hold. But to hold a {$3500.00} company check for 10 business days is absurd. It seems Bank of America is simply drawing interest on my funds, what other plausible explanation is there for a 10 day hold of funds.

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 2021-07-06 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:
Equifax Information Service are knowingly reporting wrong information under my social security < they have been provided numerous documents to help them to correct their file but have done nothing, still as of today XX/XX/2021 are still reporting inaccurately and should be held liable for my damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
On or about XX/XX/XXXX, my aunt, XXXX XXXX XXXX ( deceased ), entered into a loan agreement with XXXX XXXX XXXX XXXX XXXXXXXX, for what she believed to be a 15 year mortgage in the amount of {$56000.00}. In fact it was a 15 year amortization with a massive balloon payment of {$42000.00}! I moved into the house with my aunt in XXXX of XXXX due to her declining health. I began to take over all of her affairs at this time, including the mortgage payments with a Special Durable POA. Aunt died on XX/XX/XXXX. I continued to make the payments to SPS until XX/XX/XXXX when XXXX took over and they began refusing my payments. I hired an attorney ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX to handle this for me because XXXX threatened foreclosure. When the probate was opened no-one presented a claim on the property and I was informed that they needed to do this even if there was a note. XXXX XXXX XXXX XXXX XXXXXXXX has different attorneys handling cases and I spoke with several of them through out this time. I am not sure what happened exactly but the point is that the house was foreclosed upon and sold within their own company ( XXXX ) claiming that the loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX as a trustee for XXXXXXXX XXXX XXXXXXXX XXXX. This is how they continuously gave us all the run around about who to speak to. In XX/XX/XXXX I attempted to purchase the home outright before my aunt passed so that we wouldn't have the need to go to probate, but I was unable to secure financing and close on such loans because we were never able to get any documentation from the lender in the form of payoffs etc. This went on until my last attempt in XXXX of XXXX. I have been going to court and have been trying to resolve this but have gotten nowhere. I am being evicted because the house was " sold '' due to foreclosure and I don't feel that I owe them the amounts that they say I do and I feel it is unfair since the opportunity to pay them happened on many occasions and they refused to cooperate to make the transfer happen and thus just took my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
this bank apparently is trying to block from refinancing my loan, i received the opportunity to cut my loan term from 30 years to 15 years and interest rate from4.75 % to 1.99 % and since XXXX XXXX i been trying to get the correct paperwork and payoff from Santander consumer USA XXXX spending several hour and frustration with different departments. when i received the first payoff it came showing a second lien with a balance of {$4700.00}, being the only stipulation to close on the new refinance, to provide a payoff showing balance {$0.00} on that " second Loan '', Santander bank gave me instrunction on how to pay the blance and i did on XXXX XX/XX/2021, ever since i been transferred and bounced from departments and departments and several supervisors with the promise of resolving the issue and i will receive the payoff in a couple of hours, im here on XX/XX/XXXX, almost 2 months after still trying to get a payoff and forbearance documentation explaining when my loan went into forbearance and when came out plus the payoff showing the second balance paid in {$0.00}. I'm about o lose the opportunity.

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