vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Fair Credit Act says that positive / negative accounts should be removed after 7 yrs. if they've been paid off. I have several accounts that show as paid that are now past 7 yrs. I would like these accounts removed from my credit report. They're neither helping or hurting my credit, so pointless for them to be showing any longer. Please remove the below accounts : 1. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3500.00} 2. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$6400.00} 3. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$530.00} 4. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2200.00} 5. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$1700.00} 6. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$4500.00} 7. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$8400.00} 8. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$16000.00} 9. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$500.00} 10. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$1700.00} 11. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3400.00} 12. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3600.00} 13. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2700.00} 14. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3300.00} An old inquiry that should've been removed with XXXX done on XX/XX/XXXX. 

There is simply no logical reason for these items to be left on my report creating pages and pages of nonsense to have to sift through. I like my reports up to date. Please remove all 14 of those paid off student loans and the outdated inquiry. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: CORELOGIC INC
State: PA

Complaint narrative:
The following Child Support accounts are inaccurate and are fraudulent accounts. These negative accounts are having a negative impact on my life. Youre failing to keep up reasonable methods to assure the most extensiveness and accuracy on my report which is directly impacting my quality of life. I sent multiple dispute letters with the inaccuracy and inconsistency being shown on my account.

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 2021-10-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I called Freedom Mortgage on XXXX XXXX in order to exit the covid 19 forbearance program. I was told that I would get a decision within 30 days. We were approved for the cap and extend motification. However they only offered to drop the interest rate and extend the loan only one month past the original loan date. Our mortgage would be more than what it was pre-pandemic. 

We have called aleast 7 times in the past month and each we get someone different and different information each time about our options for repayment and about what is needed in reference to our request to extend the loan out to 360 months and to get a lower interest rate. 

Each time we are told that our request was going back to the underwritter for correction and that we would receive the updated documents They keep assuring us that it will be fixed and we have nothing to worry about .Still over a month later we are dealing with the same issues and with no resolutions. Each person are telling us someting different and are promising to fix it only to call back again just to go through the same thing again after spending hours on the phone. We need help with resolving this.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
It's always a struggle to get the bureaus to remove outdated / inaccurate info. Well I'm requesting the items be removed/ corrected as follows. They don't add any value so there is no point in keeping it on my report past it's time, to create pages and pages of confusion for lenders to go through and figure out. 

1. Remove XXXX XXXX XXXX as my employer, I do not work here and the info is outdated. 
2. XXXX # XXXX - remove the dispute language showing, I never disputed this account & had no reason to ever do so. I requested the removal of old XXXX XXXX & XXXX loans that were more than a decade old, you chose to consider that a dispute & disputed an item I never complained about. Remove that language immediately as it's inaccurate & never requested by me. 
3. XXXX # XXXX - paid off XX/XX/XXXX - {$5400.00} limit account is outdated, remove. 
4. XXXX XXXX XXXX inquiry from XX/XX/XXXX should be removed immediately as it is outdated. This does hurt my scores.

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 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am being sued by a XXXX XXXX XXXX in court of XXXX XXXX, NJ through XXXX, XXXX XXXX XXXX, XXXX XXXX firm for the debt that they did not validate. I have filed my answer with court on time. I have received in the mail interrogatories from XXXX, XXXX XXXX XXXX, XXXX that I responded to. I have mailed them my interrogatories asking to validate the debt and about the Statue of Limitations several times and did not get any answers. They mail me harassment letters wanting me to admit the debt without any validation. I have attached the documents that I have received from the court, XXXX, XXXX XXXX XXXX, XXXX, and my responses to them. I can not obtain any account statements from the original creditor Citibank N.A. in order to verify the debt and the last date of payment for Statues of Limitations. This account has been charged off as per Citibank , N.A . and I don't remember any details and don't have any records left.

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 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: CO

Complaint narrative:
Closed loan/ paid in full XX/XX/2021, still have not received check of escrow overpayment refund. Over 20 calls with Ameris bank since, run around every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: GA

Complaint narrative:
On XX/XX/21 while reviewing my consumer report furnished by EXPERIAN, I noticed an unauthorized inquiry initiated by XXXX XXXX XXXX XXXX in which I did not authorize or consent to. 

On XX/XX/21 I sent XXXX XXXX XXXX XXXX a letter in which they received on XX/XX/21 notifying them of the unauthorized credit inquiry in which they initiated that is furnished on my consumer report. In that letter, I notified XXXX XXXX XXXX XXXX that I did not authorize anyone employed by their company to view my personal information, They violated the FCRA 15 USC 1681b ( 2 ), and that XXXX XXXX XXXX XXXX isn't entitled to make the inquiry which is a serious breach of my consumer rights. I also requested that XXXX XXXX XXXX XXXX provide a signed copy of the authorization form that gave them the right to initiate a consumer credit transaction on my behalf. 

On XX/XX/21, I received correspondence from XXXX XXXX XXXX XXXX alleging that they are unable to research the issue. 

On XX/XX/21, I sent XXXX XXXX XXXX XXXX a cease and desist whereas I demanded the following : provide an audit trail, deletion from all consumer reports, validation, provide name, address, and phone number of the original creditor, provide name, address, and phone number of all parties that benefitted from this illegal transaction, cease and rescind the use of my intellectual property, my signature, and return all requested documentation so that I can properly assess the validity of this transaction pursuant 15 USC 1692g. 

XXXX XXXX XXXX XXXX has been non compliant to my demands. XXXX XXXX XXXX XXXX has failed to respond or send the requested documents. XXXX XXXX XXXX XXXX is violating my consumer right to validate the debt pursuant 15 USC 1692g.

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 2021-10-05 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: LEXISNEXIS
State: PA

Complaint narrative:
The following Child Support accounts are inaccurate and are fraudulent accounts. These negative accounts are having a negative impact on my life. Youre failing to keep up reasonable methods to assure the most extensiveness and accuracy on my report which is directly impacting my quality of life. I sent multiple dispute letters with the inaccuracy and inconsistency being shown on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
In XX/XX/2016, after moving to my current address I requested XXXX to install internet and TV services at my new residence. XXXX installed services, but was not able to fully make them operational. They were unable to port my existing phone number and I had intermittent internet service outages. After two weeks of attempted repairs without success, I terminated the service with XXXX and returned their equipment. I initiated services with XXXX and continue to have them today. A month later, XXXX billed me for a full month of services despite not having a single day where my contracted services were operational. I disputed the bill with XXXX. We failed to reach a resolution, and XXXX submitted the debt to collections. Recently, they sold this debt to a new debt collector ( EOS-CCA ) and they have called me on my cell phone harassing me. Moreover, they resubmitted a derogatory remark to XXXX XXXX damaging my credit rating. 

Respectfully, I am requesting this debt collection for {$180.00} be terminated as the original bill was incorrect and EOS-CCA has no right to re-instate a new derogatory remark for an issue that arose in 2016 ( almost 6 years later ) as a brand new issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
For some reason this bureau keeps making changes to my address that weren't requested but can't seem to remove outdated info from my report timely. The following needs to be updated/removed as follows : 1. Some how my home address is now an address that is a prior address? How is that possible? I never gave permission to switch my addresses. The address you show as my current is not the current address & hasn't been for months. The other bureaus have it correct but this one just keeps messing up my address! Fix it! 
2. XXXX is NOT my employer! I haven't worked there in going on 4 yrs. Remove it immediately! 
3. XXXX # XXXX - remove the dispute comments from this record. I never disputed it, never asked you to do so, only to remove XXXX XXXX & XXXX outdated paid off student loans. Some how you translated this into a dispute with XXXX XXXX. I want that language completely removed from the record as I never authorized you to dispute it. I had no legitimate reason to dispute an accurate, current record. Correct it now. 
4. XXXX # XXXX - this account is outdated. The info is incorrect anyway & the record does not add any value to my score. Remove it. 
5. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3500.00} 6. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$6400.00} 7. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$530.00} 8. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2200.00} 9. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$4500.00} 10. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3600.00} 11. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3300.00}

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 2021-10-05 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: OR

Complaint narrative:
On XX/XX/2021 fraudulent purchases and withdrawals were made using my debit card number in XXXX, FL at various ATMs and business '. I was at work at Oregon Dept. of Fish and Wildlife in XXXX, OR at this time and did not make or authorize these transactions. There were 7 transactions in rapid succession. Two withdrawals for {$300.00} and one for {$400.00}. Two purchases were made for {$400.00} and two for {$410.00} and {$410.00}. When the fraudulent charges began happening, I received a call from a person pretending to be the Wells Fargo stating they were calling about the said charges. They attempted to ask for personal information, which I did not give them as I was suspicious having not placed the call myself. When I saw further charges being made, I turned the debit card off using the Wells Fargo mobile app and they ceased happening. I immediately called Wells Fargo and reported the fraudulent charges to open a fraud claim and Wells Fargo stated they would give me a decision in 5 to 10 business days. I then filed a police report with the XXXX Police Bureau and submitted the case number to the Wells Fargo fraud department. The officer who took the report to state the card was most likely skimmed at a gas station or other business recently to obtain the card number and PIN. On XX/XX/2021 I received and email from Wells Fargo stating they had closed my claim on XX/XX/XXXX and mailed a letter with their decision. On XX/XX/2021 I received the letter from Wells Fargo stating their investigation found that the charges were made by me or someone with my permission as the reason they were closing my claim. This was obviously fraud and my card information and PIN were obtained fraudulently and used without my permission to make these transactions and purchases. The speed, location and way in which these transactions happened are clear evidence of this.

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 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
This bank is rude to me Lied to me Their lending dept I applied for a credit card and it was delayed and today I get a notice denying me Saying Im A risk what type of declination is this Its not even a credit reason why are they doing this to me I feel discriminated against they can not treat me like this and get away with it its wrong Completely and give me no recourse of action they arent the law they are regulated by 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 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My personal checking account has been restricted, because of a ppp loan from XX/XX/2021 I am an independent contractor and was question by the Chase Fraud Investigator why this ppp loan went into my personal account and not my business account. On XX/XX/2021 spoke with Chase Fraud Investigator she told me to bring in my paperwork supporting my ppp funds. On XX/XX/2021 I took the requested documents to Chase to be email to the Fraud investigator. XX/XX/2021 I called her and she said she received my paperwork but then said she has up to 60 days to do her investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, my coinbase wallet was hacked and drained of {$10000.00} worth of Saitama coin and {$60.00} worth of ETH. This hack happened 4 hours after I connected my wallet to coinbase.com. I had all security measures set up in the wallet, ( seed phrases copied manually, 2FA enabled, and a pin code on the wallet ) the hacker was able to bypass all these security features, and I was never alerted of the transfer, even though I had 2FA setup.

I believe the breach was done through coinbase.com after I connected the wallet, and none of the security worked. I trusted them to keep my money safe, and I used all security measures available to me, yet I was still hacked. My phone and my computer are clean and unmolested, which proves the hack came through the website. 
My case numbers with Coinbase are # XXXX and # XXXX. 

They have offered no resolution, and they're policy specifically states they will issue a refund if : " your account transaction is not authorized or allowed. '' Or " The account transaction is incorrect '' Both of these apply to my situation. This was my life savings, that I trusted them with to invest and protect. None of the security measures worked, yet they are taking no responsibility, and this exact situation has happened to many others in the past few months. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: LA

Complaint narrative:
Hi my name is XXXX XXXX and I recently reached out to TransUnion and XXXX to remove some Unauthorized inquiries. I hadn't checked my credit report in months and was shocked to see so many unauthorized inquiries. I suspect a family member may be behind this. 

Attached below are copies of my identification documents and identity theft reports.

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 2021-10-05 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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. The following items were cause by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Please see also my complaint XXXX Today I received a letter from MyLoancare, accusing me that I missed my XX/XX/2021 mortgage payment and was threatened that Myloancare would report missed Payments to the major credit bureaus.

I a phone call with the Loss Mitigation Team from MyLoancare on XX/XX/2021 at XXXX XXXX  I was assured that I am on a approved Forbearance plan and that my next payment would be due on XX/XX/2021. I am very worried, that I loose my house and that their reporting ruins my credit score.

I called several times and sent around 20 emails. I always get a standardized answer that my email was forwarded to their " Specialists '' and I would get an answer soon. I never - ever - received and answer. I don't know what to do anymore, this company never answers. 
On XX/XX/2021 I checked my account on their website and i could see my Forbearance plan and that the next payment would be due on XX/XX/2021. After receiving this threatening, intimidating letter today, I checked again and it was gone.

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 2021-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JTM Capital Management, LLC
State: FL

Complaint narrative:
On Monday XX/XX/XXXX around XXXX EST someone called me and began asking me questions about my personal information. I didn't know what company he was from and when I asked why he was asking these questions he stated this is about a debt to XXXX XXXX XXXX, they are going to sue me and garnish my wages and that his job was to collect {$700.00} from me. I asked what company as I didn't remember dealing with XXXX XXXX XXXX he said it was for a loan in 2017. I asked for a phone number of the company and he said to XXXX their number because he couldn't give it to me. He then said if I don't contact him in 48 hours they will file a lawsuit and then garnish my wages, told me that XXXX XXXX XXXX knows my employer and said they will contact my employer for the wage garnishment. I told him again I don't remember this company, I've never gotten a written notice as I don't live in the state of California and I've never gotten an email or anything stating this. I hung up after as I wanted to try and validate the debt. Searched online and found no working numbers. Called the company back talked to someone else who never gave me his name and the guy gave me the phone number. Called XXXX XXXX XXXX and they said I owed a debt for {$250.00} not {$700.00} from 2017 and I asked if I could verify the loan but XXXX XXXX XXXX stated that I'd have to call jtm cap mgmt at XXXX. I XXXX  that company and filed a XXXX  complaint. I would like a validation letter with my original signature along with the amount I owe nothing was offered when. I questioned the debt and the first guy I spoke with just kept threatening me so I do not feel comfortable calling them again.

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