vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 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: NJ

Complaint narrative:
I have attached copies of my file from XX/XX/XXXX and XX/XX/XXXX of this year. XXXX XXXX had reported the account as being 30 days late one time in XXXX of XXXX ( on the XX/XX/XXXX report ). But as you can see on the XX/XX/XXXX report, the account now shows a series of delinquency from XXXX through present with the existing status of 120 days delinquent. The report date of the item in question is XX/XX/XXXX and XX/XX/XXXX respectively. 

I disputed this with the bureaus who sent it to XXXX XXXX. XXXX XXXX   provided the attached letter indicating that indeed the account was only late in XXXX and that is how they reported it to the bureaus. 

I spoke to a credit bureau representative who provided the standard : " We are not arbitrators. If XXXX XXXX sends us the data, we report it ''. 

I am stuck in a loop on this. The error ( either at XXXX XXXX 's reporting or on the bureau level ) is costing me thousands of dollars in financing fees.

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 2020-09-04 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Issue : My mortgage with TD Bank was under COVID forbearance from XX/XX/XXXX, to XX/XX/XXXX, but charged late fees and reported to credit bureaus as late payments during the forbearance months. 

Facts : -Approved on XX/XX/XXXX to enter Forbearance for 3 months ( XX/XX/XXXX to XX/XX/XXXX ) -Called XX/XX/XXXX to get taken off forbearance as I was setting up a payment to settle deferred amounts from XXXX - XXXX -Made payment for the deferred amounts under forbearance on XX/XX/XXXX -Late fees charged for the 3 months in forbearance in early XX/XX/XXXX and reported to credit agencies as late even though under the CARES ACT, deferred payments made under the forbearance agreement can not be reported as late and affect credit Remediation taken with TD Bank : -Called Loss Mitigation Department ( XXXX XXXX ) on XXXXand spoke to XXXX and requested her to remove late fees and update credit information that the mortgage was not late -On XX/XX/XXXX received notice that credit score was impacted - TD bank reported to credit bureaus XXXX was late -On XX/XX/XXXX : 1 )  Called Loss Mitigation Department again ( XXXX ) to request removal of late payment remarks and removal of fees, but directed to the loan servicing department ( XXXX ) to remove fees and to submit this form to address credit report mistakes. 
2 ) Sent by USPS certified mail to TD Bank to address late fees and remove late payment remarks to credit agencies. 
3 ) Called loan servicing department ( XXXX ) and she submitted to payment research team to remove late fees and rescind negative late payment marks on credit bureaus -As of XX/XX/XXXX, TD bank removed late fees, but credit agencies have not been updated to remove late payment remarks on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received statement XXXX with a charge made XXXX XX/XX/2020, {$110.00}, @ XXXX XXXX  XXXX XXXX  XXXX GA, I have made no such charge, ( I haven't been 30 miles from home since XXXX, COVID ) I called, they " investigated '' said the charge was valid, it is NOT. I again attempted a resolution ( with assistance from local branch manager ) but ran into " circular logic '', can't rebut because the " investigation result '', which is the very thing I rebut. CASE # 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
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United We Collect, Inc.
State: CA

Complaint narrative:
UNITED WE COLLECT INC Account number XXXX Recent balance {$2300.00} as of XX/XX/2020 is reporting a collecting that is erroneous, I don't recognize. I contacted United we collect on several occasion to request validation of this account and to request removal of this account because I do not recognize it and original creditor XXXX XXXX XXXX  was already paid by my insurance company. Instead of complying or responding to my letters United We collect is not aggressivly attempting to collect debt for the balance I don't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I deposited my stimulus check with mobile deposit with PNC XXXX XXXX social XXXX and someone stole my check out my car and cashed it at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: SC

Complaint narrative:
On XXXX I challenged an account shown on credit for 3-4 months through link provided by XXXX XXXX site. The account was XXXX XXXX ( XXXX XXXX XXXX ) in amount of {$290.00}. My reason for dispute was account not known. I checked my scores with XXXX  on XXXX and was delighted to see this account dropped off my report. XXXX  provided me with a link to see how my credit changed as DIRECT result of removal. I was horrified to see Transunion dropped a huge 22 points from score ; while XXXX  increased score by 15 points. I contacted Transunion again today for explanation and the rep told me you dont have enough credit cards and loans. I have been paying on 2 XXXX XXXX XXXX ( early ) since closing them, and a loan from XXXX XXXX ( early ) for 9 months ; just refinanced because of perfect payment history. XXXX XXXX shows stellar payment history from all closed and open accounts. 

The last XXXX XXXX XXXX  was closed XX/XX/2020 after XXXX XXXX dropped my limit from {$1500.00} to {$600.00} though I had perfect payment history ( Covid-19 related ). Why didnt Transunion drop 22 points then instead of waiting until XX/XX/2020 if that was an issue. 

This is crucial to me, as my landlord for 11 years is selling my home after XX/XX/2020. I am senior citizen and in process of obtaining a mortgage loan from USDA. 
If that doesnt happen because of Transunions error I will be homeless. 

Please help me resolve this matter. Many many thanks.

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 2020-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Lakeview Loan Servicing out of XXXX XXXX Florida is the mortgage holder on my home. They have not paid the property taxes to this date. I became aware of this when I began getting delinquent tax notices from the City, School and County. I called Lakeview and sent them copies of these notices in XXXX. Since that time I have received notices from the tax attorneys for each taxing entity and every time I call Lakeview Loan Servicing, they tell me it is under review. I have been put on hold for up to 1 hour on occasion with each person telling me the same thing, it is under review. Finally, I was told a check would be overnighted to the taxing entities on XX/XX/XXXX. After checking with them today, they have received a check. I called again today, XX/XX/2020. and have been on hold for one hour and was told the same thing, its under review. 

I am not sure what remedy you can do other than hold them accountable for paying the taxing entities as they should. 

Thanks

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 2020-09-04 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: NY

Complaint narrative:
TRANSUNIONThese 3 accounts are not mine. They are fraud and were possibly opened under my identity but I am not aware of how they got started. Under rule 609 they must produce the documents used to open the account or remove. I have written letters, called and no one helps. This is not right. The XXXX Accounts and the balance are : 1 XXXX. {$7300.00} 2. XXXX XXXX XXXX. {$400.00} 3. XXXX XXXX XXXX XXXX {$220.00}

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 2020-09-04 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I paid Macy 's in full and they are reporting it as a charge off. I paid it in full once I was notified of the debt. I was making auto payments and was not aware that Macy 's was considering it not being paid. I never stopped making payments and finally received notification that I had to pay the balance in full. Once I received that notification, I paid it in full. They set up this 0 interest and XXXX  payment until such date and it lured me sign up. In hindsight, I should have paid it in full at time of purchase. Now this negative report of " charge off '' is preventing me from getting a loan. I have paid this debt and it should show as paid as full. 
Attached is the final payment. Again, I was making monthly payments the whole time.

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 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear CFPB Complaints, I am greatly disappointed with the " XXXX XXXX XXXX XXXX   '' and Experian/XXXX  for failing to provide me with my free annual credit reports and their unhelpful service. 

I first requested my free annual credit report electronically on XX/XX/2020. But I was only able to obtain the XXXX  report. XXXX  and Experian failed to provide my report even though I answered their questions correctly. 

I requested my credit reports for XXXX  and Experian by mail on XX/XX/2020 though the Annual Credit Report service and supplied all the supporting documentation. They sent back unhelpful responses stating the criteria for obtaining the credit reports but without mentioning anything specific that was wrong in my application. 

I sent a new request by mail on XX/XX/2020. This time I included even more information than necessary and even went so far as to take a photo of myself holding my driver 's license, but they sent back the same unhelpful response. Frankly, I feel this response was both unhelpful and unprofessional. I feel this way because I spent a couple of hours to write out a thoughtful detailed cover letter addressing all their possible concerns, but they dismissed my efforts completely by sending the same generic and unhelpful response! 

My questions for Annual Credit Report/Experian/XXXX  : 1. Did you receive the copy of the front of my driver 's license ( Yes/No )? 
2. Did you receive the copy of the back of my driver 's license ( Yes/No )?

3. Did you receive the copy of the photo of me holding my driver 's license ( Yes/No )? 
4. Did you receive the copy of my social security card ( Yes/No )?

5. Did you receive the gas bill with my name on it indicating my new registered address in XXXX, Arizona ( Yes/No )? 

Lastly, my purpose for seeking this report is to confirm that no one is using my identity. I have indicated to both Experian and XXXX  that my credit should be dormant. The report should be showing no loans or credit of any kind. No balances at all. 

If there are any issues, I feel that we need to work together to resolve them, but frustrating this process with unhelpful responses is helping no 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 2020-09-04 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:
Found the following fraudulent accounts on my credit profile : XXXX XXXX act # XXXX {$6900.00} XXXX XXXX act # XXXX {$7000.00} XXXX   XXXX {$3900.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$960.00} I've contacted the credit bureaus and the companies numerous times but the erroneous information remains. 
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 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am very concerned the serious possibility that you have not followed permissible purpose provision ofa the Federal fcra. A credit account for you Capital One was place on my credit report XXXX, XXXX  and XXXX. The Act specify that you must document the reason for requesting my credit report and when in error remove acconts as well including inquiries. I am depending on Capital One to follow the statue : either provided documents that the law was followed by researching the matter at once or remove this offending accounts and inquiries as soon as possible yours truly XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 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: AL

Complaint narrative:
At this point I feel like I've been getting taken advantage of by the credit bureaus. On XX/XX/XXXX I noticed additional addresses on my credit report so I sent in a letter requesting all inaccurate names and addresses be removed. Now four whole months later the names and addresses are still there. Now fast forward it to XX/XX/XXXX, I sent a letter regarding more inaccurate and unknown things on my credit report but to this day over 60 days later I haven't seen a response. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They did not do this so I had to send in a complaint to CFPB and it was only after that complaint that I even got a response at all, but they responded with some type of response saying they don't think it was me and they need a copy of my drivers license. This is ridiculous because as I previously stated I sent a letter in XXXX asking for them to remove all names and addresses that weren't included on my drivers license, so clearly they've had my drivers license ( and I sent a copy of my social security card also ) since XXXX. I demand that these accounts be deleted immediately or I will have to file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach so my information was probably put in the wrong hands. Hopefully it won't take another 120 days that they'll take advantage of me again.

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 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
We mail our check to BBVA for our mortgage. We made the mistake of writing the correct amount of our payment in the numeric box but accidentally did not write in long form the correct amount. We were contacted my bbva and we immediately send a check for the difference. We were then contacted later saying the account is past due. The rep checked i to the payment and saw it was applied to principle. The rep stated they would fix it and we also gave them a check by phone for the difference since it had not been received. About a week later we were called saying the account is past due. We explained the concern and the rep said they see everything and to disregard the call And that they would send a letter saying it is taken care of. Now today I received a call saying my account is 34 days past due and again they ate trying to collect from me. I asked to speak with a supervisor and none were available. This company obviously is mishandling money and hurting my credit bu doing so. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
XXXX  These 4 accounts are not mine. They are fraud and were possibly opened under my identity but I am not aware of how they got started. Under rule 609 they must produce the documents used to open the account or remove. I have written letters, called and no one helps. This is not right. The 4 Accounts and the balance are : 1 XXXX. {$7300.00} 2. XXXX XXXX XXXX. {$400.00} 3. XXXX XXXX {$220.00} 4.  XXXX. {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC
State: KS

Complaint narrative:
VA referral for XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX   while in service and some XXXX XXXX  recently with XXXX XXXX XXXX ). XXXX  at VA appointment said he would refer it out. At XXXX XXXX, XXXX XXXX  were taken ( the basic type ), they said they 'bill a credit card ' at the VA and the VA would be referring more care out ( my XXXX  and service records are at the VA ). VA said they would not be referring more care out after the visit like something went wrong. I've received a bill for {$5000.00} from REVCO Solutions in less than 1.5 weeks with XXXX XXXX XXXX ( the bank I use ) for {$5000.00} and they would settle for {$2700.00} if paid immediately. 

This type of scamming on homes in XXXX KY ( good faith deposit, but unable to get flood insurance for loan ), loss of my home to pay taxes, blocking from real legal ( they only collect information, they say they can't help ), cellular svc dropped calls in XXXX  VT ( where home was near XXXX  station and was previously stationed at the XXXX station in XXXX ), blocked messages, car hit and claimed in XXXX RI after tow operator unreachable and 'dropped ' insurance again ( this happens continuously with 'dropped ' insurance that's paid or Police dont/wont accept proof of insurance ). 

Blocking from XXXX XXXX after filling FAFSA and admission pkg for XXXX XXXX to XXXX  of VT and XXXX XXXX XXXX Not able to get any confirmation while visiting the schools. *I have not applied to any other XXXX XXXX   since then. 

Financial skimming from XXXX XXXX XXXX. Cancelled XXXX cards and had to travel to XXXX VA, XXXX miles to pick up a new one at XXXX XXXX XXXX XXXX, XXXX ( Aunt and Uncles home after reordering XXXX ). 

Harassment with car ( reported to FTC, XXXX  ) by XXXX XXXX XXXX. Multiple disappearances ( theft ) of title ; break in of car, removal of DD214 Mil svc paperwork, neighbors locking the car ( believe that this is a scam with the neighbors and the dealer and multiple keys floating around. I have tried to get it replaced at reasonable price but can not afford it ). 

Military service credit on DD214 manipulated and messed with ( I have 22 years and almost 7 years sea time ) ; to show 1/2 the creditable time and 0yrs sea time. 

Lack of real representation by courts in VT and KS for being assaulted/battery with weapons and deadly force. The people that do this never show for court and unable to ever reach lawyer prior to court. Then when paying fees they are hiked up {$200.00} after 2 years of seeking help/representation between plead no contest to get things working for total of {$700.00} and then referred to another cascading issue of a ticket from XXXX, KS that was a result of 'improper plate mounting ' ( it was mounted properly ) and refusal to accept proof of insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 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: GA

Complaint narrative:
i have tried to fix this issues, it still has not been fixed by Equifax there is still XXXX inquiries on my credit report, this issues has not been. resolved i check my credit every day, i have a XXXX XXXX XXXX XXXX XXXX on my report the date of that inquiry is XXXX/XXXX/2020 i dont recognize, please remove all XXXX inquiries they still show on my report, this problem needs to resolved i found these inquiries today d still showing, so pleasse update my report after taking these inquiries off my report, DO NOT PUT NO FRAUD ALERT ON MY REPORT WITH OUT MY EXPRESS permission, I WILL continue FILE COMPLAINTS UNTIL THIS ISSUE IS RESOLVED AND FIXED BY EQUIFAX, i will attach the screen shots to show there still on my credit report.

Company response to consumer: Closed with explanation