vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom this may concern I been trying to resolve this issue with the department of educationXXXX with all 5 accounts for years and they refuse to fix and knowingly they are wrong. They been reported late payments on my account when it should have been current with no past due like the rest of my payments. 
XXXX of XXXX XXXX XXXX and XXXX has negative remarks. And I did everything I was supposed to do as far as sending in my Papers to renew my forbearance status. These accounts been open since XXXX which is too old to be on my account anyways.

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 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
This is my second complaint as to what has been going on. In the last correspondence here with Fay, they responded by stating my mortgage was short {$540.00} due to escrow - this bing after I was told {$660.00} and {$650.00}, on 2 different occasions was due. This shortage started in XXXX, XXXX when I was not even aware I was short due to multiple representatives at Fay telling me I was current. I spoke with a rep this past Friday to make my payment to get XXXX caught up and was told XXXX was paid, I need to make a {$2300.00} dollar payment for XXXX. So for XXXX, {$1500.00} of my payment went towards interest. That is ridiculous. 
We are waiting to hear about a modification that I would like to be permanent but are also waiting to hear on our refinance request. My husband reached out to XXXX this past Friday also who is handling our refinance and she told him that the refinance will be dead in the water if we do not pay {$2300.00} on Sunday, which was yesterday. 
We are late but not in default and everything I have researched states that a refinance is still a viable option if one is late, but not in default. I am scratching my head because if the payment was due for the refinance to continue, why did no one reach out? 
Every time we call, we get a different answer. It is odd because when calling Fay, there are quite a few prompts with verifying numbers and giving them permission to contact you. I always answer yes. This seems to be the only way to communicate. 
Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NY

Complaint narrative:
To whom this may concern target store credit card / TD BANK USA/TARGETCRED been on my report for some time now since I found out about the account I been trying to dispute this with them and all three credit bureaus and no help has been giving the information such as address and phone numbers and email has all been incorrect information that doesnt belong to me. The last rep I spoke to try to convince to me keep the account open even thought I didnt open it. And I had no knowledge of this account and I asked her to closed it she kept me on the phone for a very long time to convince me to stay with them. I want this account removed off my credit report I told them that a family member open this account behind my back and they are in jail now. This is frustrating that I have to go threw this this is fraudulent and wrong and I know my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX  XX/XX/2021 I submitted a Paycheck Protection Loan ( PPP loan ) Application $ XXXX {$25000.00} and Loan Forgiveness via Suntrust Bank Business Portal . The subject PPP loan application due date was May XX/XX/2021. Please find attached SBA XXXX PPP loan application. On XXXX  XX/XX/2021 Suntrust Bank notified me regarding PPP loan funds depletion. I have contacted Small Business Administration ( SBA ) in writing on XXXX XX/XX/2021 regarding three XXXX pandemic economic damages and losses applications : PPP loan & Forgiveness $ XXXX {$25000.00} ; XXXX XXXX XXXXXXXX {$15000.00} and XXXX regular loan {$260000.00} ( approved by SBA ) as well as 7j XXXX XXXX XXXX  Grants. Based on the programs criteria, I qualify the subject four programs. I hereby demand both Suntrust Bank and Small Business Administration to pay the above referenced amount. If you need additional supporting documents, please contact me via email.

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 2021-09-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted XXXX and requested a debt validation pursuant to 15 USC 1692g. In order to validate a debt, an alleged creditor has to submit 5 criterias, this is not optional and no part can be missing. Pursuant to 15 USC 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Attached is the correspondence I received from XXXX proving they were unable to validate this alleged debt. I have disputed this debt several times with Equifax and you repeatedly concluded your investigation as this debt was validated and it remains on my consumer report. I need to see what they are sending you that is different from what they are sending me. I demand Equifax provide me with the method you used to investigate this an valid and ALL documentary evidence pertaining to this account and why you feel you have enough evidence to keep furnishing this information on my consumer report. If you can not provide me with this evidence, I demand you delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
in XXXX of 2021, I received a copy of my credit report and ARS was reporting a collection on it. I reached out to ARS in an attempt to dispute the matter and asked them to verify the account they believed belonged to me. The company in turn send me an internal bill with none of the method of validation I asked for. No signed contract, no itemized bill for goods or services they claimed to have provided to me. I don't know who this company is and don't remember doing any business with them.

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 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
One Saturday XX/XX/2021 I send XXXX us for my XXXX grandma to my aunt using the system where the money would be available on her debit card to get supplies for my grandma, day past she I was told the money didnt get delivered, waited to see if would get an email stating an issue or call nothing today is XXXX the XXXX called money gram days up and days all Im being told is being held and they dont know why, putting me out of XXXX dollars more because my grandma needed supplies shes on her death bed, money gram couldnt even tell me when the money would be delivered the most info I got it could take up to 90 days no email confirmation on the fact my money is stolen by money gram

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27 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: LA

Complaint narrative:
On XX/XX/2021, XX/XX/2021 XX/XX/2021 and again on XX/XX/2021 I sent a certified letter to Experian about some unauthorized credit inquiries which are listed below, they have not responded to my request. These inquiries were not authorized by me and are fraudulent. 

XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021

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 2021-09-27 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: AL

Complaint narrative:
I have written and called TransUnion several times about the account at XXXX 'XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is reporting to TransUnion as a charge off but is showing a balance. Not only are they showing a balance, this account has been sent to a collection agency. They are also reporting C/O each month on my TransUnion report to reset the last date of activity. I have explained this to TransUnion several times via phone and letter. They have yet to remove this account for inaccurate reporting.

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 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
Unpaid XXXX XXXX collection of {$270.00} from 2020 and I never received notice of the debt prior to applying it to my credit which is a violation of the FCRA. 
The account should not have gone to collections as I provided notice to vacate the 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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX has not reported any payments to my loan account from XX/XX/XXXX til XX/XX/XXXX. I have never received or got any notifications that credit reporting from this company had been disabled due to COVID-19. As of XXXX XXXX, I have yet to receive notification of any law or regulations stating any delays in reporting loan payments to any credit bureaus. On XX/XX/XXXX, I logged into my Experian credit report to find that XXXX XXXX marked me 30 days late for XX/XX/XXXX, when they had not reported to any credit bureaus since XX/XX/XXXX, before then XX/XX/XXXX. On XX/XX/XXXX, I made a web payment of {$880.00}. On XX/XX/XXXX I made another payment of {$1300.00}, which pushed my next auto loan payment to XX/XX/XXXX. But yet, they have marked me 30 days late for XXXX, when clearly XXXX was paid during the month of XXXX. I spoke with a customer service rep on XX/XX/XXXX at XXXX XXXX that stated XXXX payment should not have been reported late and advised me to dispute the issue. Per checking my payment history with XXXX XXXX there is a principal receipt of {$120.00} that has never been reported to my payment history or to the credit bureaus. Can you please correct this. Principal and interest is already added into the loan upon being approved for the loan. So why is more principal added in the middle of a loan agreement. It was also reported to The credit bureaus as a charge that increased my loan. Sounds like a scam to me. As of today XXXX, Experian and XXXX has wrong information on this loan. They have not been updated in months. The only reason Experian got updated is because I made a payment and it triggered a response from them, but its still incorrect. Before this, they had not been reporting correctly or even at all. My balances are incorrect on every credit report, but the XXXX XXXX app is showing correct payments on time and a decreased balance per the payment I made in XXXX. I have never had a late payment on my credit from XXXX XXXX. There was no indication to me, that any of this type reporting was legal.

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 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I called Ally and spoke with a XXXX for 10 minutes that could not do anything. See picture from Ally web site for a contact I made under XXXX. WHY is this email suspended?

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Hi, I am writing about a issue with US Bank. My issue is with XXXX XXXX XXXX, she is a XXXX XXXX. My issue is this loan process is taking too long, there has been too many mistakes, the information that was sent to escrow was incorrect. I have to correct XXXX a number of different things. On my initial visit I spoke with XXXX at the XXXX branch, XXXX was writing down my information and I disclosed to him that I was part owner of my business. XXXX already knew that information before our meeting. Now after I sent all of my personal information in your portal XXXX is just now discovered about the XXXX and she is asking all this information. I feel like I am starting all over from scratch. I had to wait almost a month to get the appraisal on the land after I was rushed to put in my personal information in your portal. I was told by XXXX she discovered me being a XXXX XXXX from a side bar conversion with XXXX XXXX. It is my opinion that if XXXX was doing her due diligence and I was receiving professionalism this would have never taken place. It is also my opinion that I am being profiled because of my ethnicity. My issue is time sensitive due to the lot I am trying to purchase. The XXXX housing market is still hot and I don't want to lose this lot due to the poor service I am getting. I have been trying to close this loan for close to 2 months. I hope to get a phone or email about this issue soon. 

Regards XXXX XXXX XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 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: DISCOVER BANK
State: NY

Complaint narrative:
Discover knowingly closed this account because they know it was fraudulent this is not my account and I contacted them numerous times about this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The information that is providing on my credit report is inaccurate and goes against the Fair Credit Reporting Act. Inaccurate information in date opened, high credit, credit limit, date last reported, comments, date of active, lastly date of last payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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:
I recently reached out to Transunion numerous times about unauthorized inquiries as well as reach out to the companies in regards to these unauthorized inquiries. Transunion has not provided a resolution to the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation