vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX XXXX  ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
FedLoan Servicing reported me being 90 days late in XXXX of XXXX. In XX/XX/XXXX and again in XX/XX/XXXX I called and told them that I had lost my job and they said that I would be placed in forbearance. I went to apply for a home loan and noticed that on all three reports that I was marked as 90 days delinquent on all 9 accounts. I contacted FedLoan Servicing and the agent told me that he saw where I called in both times and that I should have been in forbearance during that period. He said he would make a not on the account saying such. I checked a few months later and noticed it still said the same thing. I called again and this time the representative instructed me to do a Credit Dispute form. I did so and within a week it was denied. I did this 2 more times, each time a different representative telling me to do and submit different information. I was told by a representative tat if I wasnt very specific that they may not even look at my information and just deny it because no one wants to look through and figure all this out. I submitted the proof from my credit reports circled and highlighted the information. I was still denied. I havent had a late payment on my credit report in years because I knew I wanted to purchase a home this year. I am becoming very frustrating and not confident in our institutions. I have been doing what they tell and submitting documents and keep getting denials without response other that its valid. I do not understand how if they can see my phone calls that they wouldnt know that I requested a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: FL

Complaint narrative:
To whom it may Concern My Name is XXXX XXXX my identity have been used without my consent I've had issues in the pass with identity Theft someone used my personal Information without my Authorizations. this account is fraud and i need this Account to be documented as Fraud and Removed from my Credit. 
thank you

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 2021-02-09 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:
To whom it may Concern My Name is XXXX XXXX my identity have been used without my consent I've had issues in the pass with identity Theft someone used my personal Information without my Authorizations. this account is fraud and i need this Account to be documented as Fraud and Removed from my Credit.

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TX

Complaint narrative:
On XX/XX/ 2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
XXXX I had a mortgage with XXXX  XXXX XXXX. In XXXX XXXX  XXXX XXXX  went bankrupt. XXXX FDIC assigned, my mortgage to XXXX XXXX as the servicer and XXXX as the trustee or receiver of the funds. This was noted in the record of deed in XXXX County. Then XXXX, XXXX XXXX  sold the servicing rights to SPS servicing who also told me they wrote off the note at that time when they gave it to SPS servicing. After they sold it off I called since then and they said they had written it off and were no longer doing anything with my account. I have been paying SPS Mortgage payment even after I filed bankruptcy in XXXX. Then recently in XX/XX/XXXX I requested a short payoff and was told by SPS that I have to get that from the note holder. I then re contacted XXXX and they told me that they had written off the note and their was nothing that I owe them. I then went back to SPS and they told me to write a letter to XXXX, SPS first insisted they were note holder. I then went 3 way on XX/XX/XXXX and talked to XXXX and asked them how can I get a short pay off. Again they stressed that I owe nothing. Then SPS said I can send a letter. I sent a letter. XXXX gave me a fax number to fax it too, which was XXXX XXXX XXXX XXXX requesting a XXXX XXXX. When I checked the records of deeds office, It shows XXXX was still receiver, and XXXX XXXX. was Trustee. I then contacted XXXX again, they said again the wrote it off and said they had nothing else to do with my loan to contact SPS. Then SPS sent me a payoff letter which includes interest but XXXX wrote it off in XXXX so I wanted to know why I was still accruing interest. I was still under the impression that the lien holder was XXXX XXXX. When I contacted XXXX XXXX, they keep sending me back to XXXX. I'm still stuck trying to get my lien released. Then XX/XX/XXXX select portfolio servicing sent me this letter saying it was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Although your response wasn't satisfying but thanks for taking the time to do so! I just got off the phone with your agent who won't transfer me to a supervisor! She did request to see where the ticket was for {$200.00} ( I will be attaching that info to this email )! Not only you sent the ticket to the old address because database error in your system but you also didn't pay it on time and waited for the ticket to accumulate late charges making the amount {$400.00}! Why is it so hard for you to admit you sent the ticket to the wrong address and waited for late charges to accumulate instead of waisting my time trying to confines an unprofessional department that it's your fault and you should take responsibility for you lake of communication!! I need to talk to someone who can make decisions and stop asking me to call your XXXX number and speak to random agents who can't make decisions/wo n't transfer the call to a supervisor nor acknowledge your mistake and apologize for the inconvenience this issue had cost me " My number : XXXX ''! This department shouldn't be called customer service but rather money hungry department that can't see beyond the computer 's screen monitor! " One piece of advise if you can understand it : we make machines to help us not control are decisions ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: IA

Complaint narrative:
Experian response. 
" We had previously placed the item under reinvestigation per your request, on XXXX XXXX, 2021. The data furnisher responded and verified that the disputed information was accurate as reported. The results summary was sent to you for review on XXXX XXXX, 2021. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry '' I SENT YOU EVERY PAPER ON THE XXXX ACCOUNT THAT PROVES OVER 50 % OF THE PAYMENT HISTORY IS INCORRECT AND YOU COME BACK SAYING EVERYTHING IS ACCURATE, I'M DONE I WILL BE FILING A LAWSUIT IMMEDIATELY.

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 2021-02-09 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: CA

Complaint narrative:
please validate this information and remove from my credit report.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: MA

Complaint narrative:
I signed up for XXXX XXXX credit monitoring on XX/XX/XXXX. On XX/XX/XXXX, I cancelled my account and requested by email deletion of all stored personal and financial data. 

XXXX XXXX representatives are refusing to honor my request, stating XXXX XXXX has the right to retain possession of my personal financial data for two years. XXXX XXXX representatives are refusing to disclose the specific policy or regulatory entity that they claim gives them this power. 

I find it deeply concerning that XXXX XXXX XXXX emails to me contain no representative name, no links to the policy or entity that XXXX XXXX is alleging gives the company the power to keep, store, and otherwise use my personal financial data for two years following my initial request for account deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WorldRemit Corp.
State: MI

Complaint narrative:
On Monday XX/XX/2021, I initiated a transfer of {$350.00} to the XXXX XXXX with WorldRemit. Their website promised a hassle-free transfer process with low costs, and I took them at their word. 

Right after I initiated the transfer, WorldRemit withdrew funds from my account, without indicating that any additional requirements should be met before the transfer is completed. 

About two hours after WorldRemit  withdrew money from my account, I received an email asking to verify who I was, and the purpose of the transfer. I immediately responded with answers to their questions. 

Nothing else happened on Monday -- despite the company 's promise that transfers should happen on the same day. 

I called today Tuesday XX/XX/XXXX, to ask for a status update -- and after a long delay of several hours, was to told I have to provide a selfie photo via email. 

I called to express displeasure about the delay ... and the additional request for documentation which was NOT made clear on the website where I initiated a transfer. About XXXX EST today, WorldRemit sent another email asking for a photo-selfie, and my national passport. 

I feel that I was unduly targeted for additional review by WorldRemit and would want to know if others have reported such behavior. 

When I said as much and asked for the transfer to be canceled, I was told they can not return my money for another 7 days. 

This should be illegal. They can take my money within minutes without properly disclosing what is needed to complete a transfer, but they can not return the money for 7 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
To Whom It May Concern, This complaint is a formal complaint against the company Equifax. I recently pulled my credit report and noticed one inquiry on my report without permissible use. According to the FCRA, they should be removed. I have sent in many letters disputing the unauthorized inquiry that I am aware. Many attempts were made to over come this problem with the creditor and reporting company. The inquiry name and date is XXXX XXXX XXXX , Auto moblie Dealers, Old, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO THE FEDERAL AGENCY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I participated in an offer by Citibank to earn XXXX airline miles by having an account funded with {$50000.00} for a period of 3 months. They do not dispute that i complied with all elements of their offer as presented to me in their mailer. 

They opened a claim XXXX and sent my a copy of a provision they said was contained in their online terms and conditions ( which I have never seen before ) which stated that I needed to keep the account open ( not funded ) as to such a time that they got around to crediting the miles to my account. 

I operated in good faith and complied with the " fine print '' in the offer they sent me. 
Why didn't they add that simple bit of language to the original offer? I would have gladly left the account open a couple months as it had a XXXX balance and was of no consequence to 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 explanation
Consumer complaint received 2021-02-09 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: NY

Complaint narrative:
I have disputed a fraudulent XXXX XXXX open in my name. I have Disputed this multiple times as well as File a complaint with the police department and I also submitted a FTC to the credit bureaus Experian & XXXX. XXXX has removed the account but Experian & XXXX have not.

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 2021-02-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have Proven time and time again, and XXXX, Equifax, XXXX XXXX, all agreed account with XXXX XXXX was opened fraudulently!!!! Yet XXXX keeps it on my report lowering my scores due to the fact that if you look on my credit report. It shows deleted! Then put back on. I've disputed over 30 times due to XXXX false reporting. I've submitted written proof of this as well as paying {$170.00} debt the company keeps lieing about. Even though not mine. I only did on XXXX PROMISE THEY WOULD REMOVE ANT BOOST MY SCORE. I EVEN ADDED UTILITY BILL, RENT PAYMENT, NEW BANK ACCOUNT AND XXXX HAS STILL DONE NOTHING THEY PROMISED WOULD BE DONE, TO INCREASE MY SCORES. IF YOU WANT PROOF CALL ME SO WE CAN ARRANGE MY SENDING ALL DOCUMENTS CONFIRMING THIS IS TRUE AND CORRECT. XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I contacted capital one bank to try and get a lower interest rate or to see if I was able to refinance for a lower payment and they said no my loan does not qualify for anything other than payment deferments now I owe {$1100.00} at the end if my loan maturity date because I gave deffered two payments already I have lost my job in XXXX of XXXX and still waiting for pua benefits I can not find another job due to medical reasons my family is getting sick of helping me keep my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CA

Complaint narrative:
please validate this information and remove from my credit report.

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 2021-02-09 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: CA

Complaint narrative:
please validate this information and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation