vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am writing to respond to M & Ts reply to my XX/XX/XXXX complaint # XXXX as well as to CORRECT my complaint. I did not correctly explain the situation in that complaint and I attest that the following is what I meant to express in my initial complaint : I just learned in XXXX, XXXX, that back in XXXX, XXXX, when I was XXXX years old, my parents had my signature forged onto a mortgage note so they could buy a home. 

I did not sign that note or any documents related to the purchase of the home. I was only XXXX and I was out of state at college at the time. I had no idea my parents were using my personal information and my income ( as an employee of their company ) to qualify for the mortgage. 

The loan information never appeared on my credit reports, nor was my name printed on any monthly mortgage statements. I only learned that my name was on the account when the account started reporting to the credit bureaus in XXXX, XXXX. As soon as I learned I could make a complaint to the CFPB for assistance I filed my complaint. I did not accurately describe the problem in my XX/XX/XXXX complaint. I also alleged predatory lending practices but I didnt mean that M & T had engaged in anything predatory ; I meant I felt something was wrong if parents can forge their teen-aged childs signature and buy a house. If there was any wrongdoing, it was likely on the part of my parents, their lawyers and their mortgage broker.

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 2020-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI

Complaint narrative:
I sent a medical collection debt validation letter requesting information about this alleged debt that is on my credit report. The letter was received by a representative of the company who's signed the return receipt on XX/XX/2020. I have not received a response but I have proof that my letter was received. By law on the Fair Credit Reporting Act, a collection agency must respond within 30 days. The collection agency has failed to respond but yet still is reporting the alleged debt on my credit report. The law states that the Collector must cease all collection activity when in violation of this law. It also states that they must remove the alleged debt for failure to validate it within the allotted Time by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Simply want to remove EQUIFAX credit freeze. It was a piece of cake to remove a credit freeze I set up with XXXX XXXX and Experian but I'm caught up in " Computer XXXX ' with trying to do the same with EQUIFAX. They ask for my cell phone number ( which I never gave them XXXX but when I give them the number it comes back as not in their system. So I give them my land line and then they say THAT number is incorrect. Then they feeze my account for XXXX minutes then wash, rinse, repeat. 

I simply want to remove a voluntary credit freeze for 30 days so I can refinance my house. 

EQUIFAX seems unable to accomplish that simple task.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: MD

Complaint narrative:
I previously disputed several times XXXX and XXXX XXXX account in XX/XX/2020, its been longer 3 months. The dispute still states under investigation. I have not been validated. The accounts XXXX - XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My wife and I are trying to get a mortgage for a primary residence and the credit bureaus are reporting a bankruptcy on my credit report. I disputed this matter with all 3 agencies. XXXX investigated the matter and removed the item. Transunion states they investigated the same matter, stated it was accurate and will not remove it. I contacted them via phone, and they instructed me to contact the bankruptcy court. The clerk indicated that their investigation would involve matching signatures. However, that filing has an electronic signature that can not be verified to be valid. 
I then called Transunion again to explain my findings and again dispute this matter. I asked for the details of their investigation, a copy of the bankruptcy document which includes my signature according to Section 609, Fair Credit Reporting Act. They refused stating that they have no documents within their company. This was reported to them by a 3rd party and they would not reveal their identity or furnish proof. I explained that in 2017 in lived in NJ ( 2800 miles from Nevada ), I had NO debt that would justify a bankruptcy, nothing with my signature to prove the validity and this is the year in which XXXX  had a data breach. I also attached a report of 21 people found in one search name XXXX XXXX here in the US. I also offered the confirmation from XXXX who also investigated and found this to be incorrect and removed the item immediately. 
The supervisor was determined not to furnish me with proof, the 3rd partys name or consider the facts I supplied even after quoting my rights under Section 609, FCRA. It is a statistic that 1 of 5 people have an error on their report. I have the opportunity the purchase this home for my family but may lose it due to credit bureau red tape and intolerance. Please Help!

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 2020-11-19 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: OR

Complaint narrative:
I sent a letter to Equifax, XXXX and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried to solve my credit problems with the credit bureaus, because they are reporting inaccurate information that is affecting my credit score. I have Inquiries that I didn't authorized, and negative accounts that should not be there.

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 2020-11-19 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: PA

Complaint narrative:
I tried to solve my credit problems with the credit bureaus, because they are reporting inaccurate information that is affecting my credit score. I have Inquiries that I didn't authorized, and negative accounts that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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 DO NOT BELONG TO ME SOMEONE USED AND STOLE MY IDENTITY THEY USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA & # 39 ; sXXXX 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 XXXX XXXX XXXX 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 2020-11-19 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: NH

Complaint narrative:
-On XX/XX/2020 I applied for a mortgage and my credit report was legitimately accessed by the mortgage company -It was discovered that my credit was significantly impaired due to a fraudulent delinquent item on my credit report -The charge in question for {$1700.00} was fraudulent, details as follows : -XXXX XXXX, Account # XXXX, opened on XX/XX/2020 -Sent to collection XX/XX/2020, collection company : -XXXX XXXX XXXX, phone # XXXX XXXX XXXX XXXX XXXX repeatedly, they answered but hung-up each time upon transfer or otherwise -Called XXXX XXXX XXXX XXXX repeatedly and they XXXX XXXX XXXX XXXX XXXX occasion -Fraud report # filed under XXXX  : XXXX -Police report filed on XX/XX/2020 with our local police dept.

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 2020-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: i3 Lending, Inc
State: MD

Complaint narrative:
ON XX/XX/2020 XXXX XXXX  OF I3LENDING INC ORDERED A VA APPRAISAL OF PROPERTY XXXX XXXX XXXX XXXX, MD XXXX. THAT APPRAISAL WAS ASSIGNED TO AND COMPLETED BY XXXX XXXX OF XXXX XXXX XXXX, XXXX THE FINISHED APPRAISAL REPORT WAS UPLOADED TO THE VA PORTAL  ON XX/XX/2020. THE AMOUNT OWED FOR THIS COMPLETED SERVICE IS {$570.00}. NUMEROUS ATTEMPTS OF COMMUNICATING THIS DEBT HAVE BEEN MADE TO XXXX XXXX XXXX  PHONE NUMBER AND EMAIL STARTING ON XX/XX/2020. TWO LATE FEES HAVE BEEN ADDED IN REGARDS TO THIS EGREGIOUS NONPAYMENT. 
ON XX/XX/2020 XXXX XXXX FINALLY COMMUNICATED THAT SHE WOULD NOT BE PAYING THE DEBT OWED BECAUSE OUR COMPANY DOES NOT ACCEPT CREDIT CARD PAYMENTS AND I3 LENDING INC DOES NOT PROVIDE HER CHECKS. I3 LENDING INC DID NOT STATE IN ANY WAY THAT PAYMENT COULD ONLY BE MADE THROUGH CREDIT CARD SERVICES BEFORE COMPLETING THE VA APPRAISAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: AR

Complaint narrative:
Ive spent over XXXX on credit services to get this account removed. I filed a XXXX report and I cant get it removed. There is a ally finical thats reporting to XXXX and Ive disputed it so many times. Spoke with XXXX and no change. This is not my account and I would like this blocked and removed.spoke with manager XXXX no change and XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Conn's, Inc.
State: TX

Complaint narrative:
ON XX/XX/2019 I SETTLED XXXX ACCOUNTS WITH CONNS. BOTH XXXX AND XXXX XXXX ARE REPORTING THE ACCOUNTS CORRECTLY XXXX HOWEVER IS STILL SHOWING XXXX OF THE ACCOUNTS OUTSTANDING AND DESPITE MULTIPLE DISPUTES REFUSE TO CORREBT THE INACCURAT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
After entering all my correct identifying information ( DOB, SS #, address, Experian PIN ), the Experian unfreeze credit files web-page refused to unfreeze my credit files. 
I tried calling XXXX different Experian customer service phone numbers, entered all the same information, and got the same refusal.

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 2020-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2019, BANK OF AMERICA add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had previously filed a complaint with CFPB regarding Citibank 's failure to protect my personal private information. In its response to my CFPB complaint on XX/XX/XXXX which is attached Citibank informed me that my credit card balance information, my credit limit and my minimum payment due on the account will no longer be sent via unsecured email message. However, on XX/XX/XXXX, more than 12 months since the original response of Citibank, I received a statement notification, which is also attached, that included my personal private information. Another notification containing sensitive data was sent on XX/XX/XXXX, which is also attached.

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 2020-11-19 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, 2020, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, 2020, BANK OF AMERICA add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per 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 2020-11-19 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: OR

Complaint narrative:
I sent a letter to XXXX  XXXX and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2020-11-19 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: OR

Complaint narrative:
I sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
During the Covid Pandemci, Synchrony Bank is the only lender to do this or even attempt. Every creditor I have besides them has reached out to see if I was ok or needed help. 

Synchrony Bank decided to " randomly '' check my credit score TWICE within a 5 month period ( once in XX/XX/2020 once in XX/XX/2020 ) Each time they lowered my limit claiming that because I don't have real estate and that my score dropped they had to. 

What they are refusing to understand is that their claims are incorrect. My score has actually increased, despite them lowering my limit and damaging my score! In fact I was just able to ADD {$1000.00} to my XXXX card. 

This is completely uncalled for and they are personally responsible for my credit not getting to where it should be! 

I also asked for a copy of their privacy policy and never received one

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 2020-11-19 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED AND STOLE MY IDENTITY THEY USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX 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 response to consumer: Closed with explanation