vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-08 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

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 2020-07-08 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

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 2020-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a copy of my XXXX  credit report. Information is incorrect on the report. I tried 3 different numbers to reach them to dispute this information. All 3 numbers I can't get to dispute this incorrect information. XXXX XXXX XXXX. I also tried to go online and dispute these wrong accounts which is affecting my credit score. Again the system will not allow me online. There is an account XXXX XXXX XXXX XXXX that is reporting wrong. Account was paid in full plus the account was open and paid in full over 8 years ago. It's showing as negative. Which is completely wrong. Another account is XXXX XX/XX/XXXX which is showing late in XXXX and XXXX. I had lost work due to layoff and contacted XXXX  XXXX  immediately to see if I can set up for lower montly payments. I was told I can pay XXXX for the next 3 months and nothing will be reported as late. Well it was reported late.This is affecting my credit score. I explained due to corona virus I was laid off work temporarily. The other one is XXXX  XXXX XXXX that was opened back in XXXX this information is outdated and should be removed off my report. I am aggravated that I can't speak to XXXX  to have them correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: WA

Complaint narrative:
Equifax and XXXX  should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: CITIBANK, N.A.
State: DE

Complaint narrative:
This was a credit card which was opened and used fraudulently and when I reported this to Macys they investigated and agreed to close the account and all charges were considered fraud. Now I see this account as a debt and charged off which is totally misrepresentation of facts. I was categorically advised that final determination of the investigation was that these were fraudulent charges. I will be filing a legal remedy in this matter as well if this si not corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: WA

Complaint narrative:
XXXX  and XXXX  should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-08 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: AFNI INC.
State: TX

Complaint narrative:
The below listed account has been removed from XXXX  and XXXX. However, it has not been removed from XXXX. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameAFNI, INC.

Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1400.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$1400.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1400.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX I have disputed this account on-going as the account is not my account. I have requested the creditors to investigate the source of the payments that were made to the account as I have NOT ever made payment to such account. My banking statements can prove this. I have been with the same banking institute for over a decade. 

From XXXX and XXXX I was in the XXXX XXXX, XXXX, XXXX, and XXXX. I have two expired passport booklets that will reflect my travels as well as time-stamped photographs. Moreover, I have one domicile, in which I have resided since XXXX. There was no need for any of the amenities listed in the below accounts as all were in my spouses name and furthermore, being abroad, the below amenities were null ; there was no need for these. I am more than willing to provide the above documentation of my whereabouts. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of XXXX XXXX cut my XXXX XXXX with the company and asked I return the company charge card to Human Resources. The card was sent to XXXX XXXX per her request. 
In XX/XX/XXXX I received notice from Bank of America for an amount due of {$80.00}. I contacted Bank of America explaining the card was sent to XXXX XXXX at XXXX in XXXX of XXXX and I could not have used the card. Since then Bank of America has contacted me to pay this amount and late charges. I replied back to them explaining what was said after the first notice. 
Yesterday I received a notice dated XX/XX/XXXX from Bank of America attempting to collect a debt.. 
Bank of America continues to pursue me for a charge on a company charge card that was surrendered over a year ago, rather than pursue the company that has the card.

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 2020-07-08 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 — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Thought I was creating a general account to login to TransUnion. TransUnion requested a CC during identity Validation process. Became suspious as neither of the other two Credit Reporting agencies requested a CC for identification. Took some effort but found TU had charged me {$26.00} to for the account. 

Called TransUnion and their customer service rep was prepared for my issue. Rep immediately went into a discertation about how creating an account was consent for them to charge me for my credit report. I tried to explain how I had not requested Credit report and just wanted a refund. The rep cut me off everytime I tried to politely question or explain anything and kept telling me I had failed to read some instructions somewhere. Nowhere can I remember anywhere a statement that was openly presented that stated I was opening an account for paid services. the fact that I had not received any services yet did not matter ( THAT I KNOW OF, BUT MAYBE CREATED SOME FOR ME THAT I HAVE NO CURRENT KNOWLEDGE OF OR UNDERSTAND? ) Under TU Terms Agreement : Billing and Cancellation Memberships. We offer both free and paid subscription products. 


They had several account types listed as XXXX XXXX, XXXX etc.. and thought those where the charging accounts with no other basis for information as the basic account appeared to be the free.

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 monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
I purchased a treadmill from XXXX using their financing. By the time I received the payment instructions for the first payment, it was already late, but I sent it in. I tried to call and explain after they charged me a late fee, but customer service did not answer. It was COVID by this time. I kept, and continue to make, the monthly required amounts. But they keep racking up late fees on the late fees and I refuse to pay them because it was their fault. I have filed an online complaint with XXXX, but got no telephone call or response. TD Bank - their financial institutions they use for this apparently, calls and harasses me constantly. When I explain the problem, TD Bank say they can't do anything and puts me through to XXXX XXXX customer service. I waited 2 hours on hold and had to give up. I just tried again and it was a totally automated system with no operator to handle unique problems. This is completely ridiculous. I have an excellent credit score and always pay my bills. I have never filed a complaint with the CFPB before but feel this is the exact type of situation that needs to be addressed by the CFPB because I'm sure they just get other people to pay these fees and rack them up as additional, unearned compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I tried to link my banking account. PNC denied that option. That's my personal right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
Mr. Cooper/Nationstar Attn : Customer Relations XXXX. XXXX XXXX XXXX, TX XXXX XXXX : Error in processing my mortgage payment resulting in a false credit report I am writing in response to your letter disputing the errors made in my mortgage account. I hope that this letter is clear and helps address the errors in my account otherwise I will have no other choice that to pursue legal remedies to address the discrepancies. 

Your response failed to provide detailed documentation to explain how the errors were corrected and you failed to provide supporting documentation to prove your answers with sufficient clarity. Here is what I am seeking to resolve this matter before engaging legal counsel. The following are details related to my mortgage payments. What I am seeking is a documented set of examples of how these matters were processed and resolved with supporting details. Failure to provide this level of detail will result in further actions. 

On XX/XX/2019 a check for {$3300.00}. was sent received by Nationstar Mortgage ( DBA : Mr. Cooper ). Please provide a policy or statement that was shared with me in advance that states that a partial payment that is received prior to the due date will be deposited into a suspense account and will result in a late payment and reported to credit reporting agencies. 
Please provide supporting documentation that shows how the {$3300.00} payment was attributed to my account inclusive of allocations to interest, escrow and principle payments if any. The attached documentation does not show the allocation nor does it provide a documented accounting of this payment. 
On XX/XX/2019, two checks were sent on the same date in the amount of {$3500.00} for a total of {$7000.00}. According to the statement provided by Nationstar both payments were treated was one payment. Please explain why one payment was not treated as a reduction in principle only? Why and how does two identical payments get processed for interests, escrow and principle when received on the same date of the month? No notice or correction has been made to my knowledge. Please provide documentation, policy and procedures for why both payments were treated the same. 
Provide documentation for how my principle account, my escrow account and my interest account was adjusted for this duplicate payment and whether an offset to these accounts were processed in accordance to your own policies and procedures. Supporting documentation is formally requested. 
Please demonstrate how Nationstar calculated my payoff to XXXX XXXX. Supporting documentation is formally requested. 

I would like to receive an answer in 30 days. If this documentation is not received in a timely manner I will request this information through legal counsel and corrective action as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: GA

Complaint narrative:
EXPERIAN continues to report this account and claims to have verified the account as accurate!! XXXX  deleted the account because it was found to be fraudulent ... XXXX  is reporting the account as current and paid in full yet EXPERIAN is reporting it as late and a charge off!! I demand complete validation of this account ... I demand the contract bearing my wet ink signature ... .I demand a complete transaction record in regards to this account!! 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] DATE OF BIRTH XX/XX/XXXX SSN : XXXX EXPERIAN XXXX. XXXX  XXXX XXXX, TEXAS XXXX RE : Investigation Request to Delete Incorrect Account Information and Unauthorized Inquiries Dear Sir or Madam : In accordance with the Fair Credit Reporting Act Section 611 ( U.S.C. & 1681 ) I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Also any contract bearing my wet ink signature and verify the educational institution in which I supposedly attended! 
INCORRECT ACCOUNT INFROMATION, The accounts below are reporting incorrectly please investigate these : Account Numbers : US DEPT OF ED/XXXX # XXXX {$3300.00} US DEPT OF ED/XXXX # XXXX {$16000.00} US DEPT OF ED/XXXX # XXXX {$5100.00} Incorrect Credit Inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX REMOVE INCORRECT PERSONAL INFORMATION AND UPDATE PERSONAL INFORMATION WITH CORRECT INFORMATION LISTED BELOW. 
[ Please remove all credit inquiries older than 10 days, I have not applied for credit with any company ]

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 2020-07-08 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This account is an old account started in XX/XX/XXXXbut closed in XX/XX/XXXXbalance {$5300.00}. This account is more than 9 years old from XXXX XXXX. At this time the 3 credit bureaus are showing that this account is active as of XX/XX/XXXXwith Portfolio Recovery on my XXXX  credit report. In actuality, on the other credit reports there is proof that this the amount of this debt was lowered and closed as of XX/XX/XXXXby XXXX XXXX. XXXX XXXX stop credit reporting this account as of XX/XX/XXXX and passed it to Portfolio Recovery. I have not heard from Portfolio Recovery or XXXX XXXX please remove this debt from all bureaus and add the points FICO points back to my credit score accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I currently have a PNC checking account that went into the negative yesterday so I decided to try the instant XXXX dollar sites. " XXXX, XXXX, and XXXX are the sizes I tried. I make it all the way to where you link your account and it repeately says PNC has prevented your account from being linked to any 3rd party apps. I called PNC and was told the 3rd party apps that I'm using use the same security company which is doing updates but I'd be able to manually enter my account info and it would work. This is not the case. I don't have that option so now my account was hit with an additional XXXX dollars when I could of had this fixed last night if I was able to link my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This was a credit card which was opened and used fraudulently and when I reported this to XXXX they investigated and agreed to close the account and all charges were considered fraud. Now I see this account as a debt and charged off which is totally misrepresentation of facts. I was categorically advised that final determination of the investigation was that these were fraudulent charges. I will be filing a legal remedy in this matter as well if this si not corrected on my credit report.

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