vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: FL

Complaint narrative:
BY NATURE OF PREVIOUS CFPB REPORT XXXX, XXXX XXXX Fl AND OTHER VENDORS INQUIRED ON MY CREDIT WITHOUT AUTHORIZATION. YOU HAVE COMPLAINTS TO THIS EFFECT. YOU SENT MY COMPLAINT TO THE FTC. By nature of their own admission and statement not even with a lockout can this Credit Reporting agency stop these inquiries yet they continue to lower my score! I consider this intentional fraud since they inhibit my ability to secure funding due to lower credit scores. Also their third party they feed information to are also even more incorrect then they! PS I never use XXXX XXXX as a XXXX Creditor! Attempts to remove from on line and dispute incapable! They do not allow.

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 2020-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: SC

Complaint narrative:
My house was damaged by a tornado on XX/XX/2020. The insurance check includes our mortgage company, Midland Mortgage, on it. We have provided contractor estimate for roof repairs as well as photos of the temporary repairs and debris we removed personally. Midlands still refuses to provide any of the funds even though the cost estimates exceed the {$5300.00} check. We can not begin repairs until we have the funds. It is hurricane season and I fear for the safety of my family with a damaged roof. Im beginning to think they just intend to steal the money.

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 2020-06-10 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: CA

Complaint narrative:
I applied at XXXX apartments today XX/XX/20 and when they ran my credit I was told that I did not qualify to rent without a co-signer because there were accounts in negative standing on my credit history. I was confused to hear this because I don't have any accounts with negative payment history or at least that's what I thought because when I checked my credit report I saw two accounts that I never opened. The accounts are from these companies " XXXX XXXX '' & " XXXX XXXX XXXX ''. I never opened any account with these companies nor do I have any written/verbal contract with them and I did not give anyone else permission to open any account with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not take part in any payments that might have been made towards these accounts. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CO

Complaint narrative:
Before COVID-19 hit CO too hard, my husband and I called our mortgage lender ( US Bank ) to find out if they had any programs in case we ended up needing one. We just wanted to know what our options were and said we would call back if we wanted to pursue one. A few days later we received a letter from US Bank ( dated XX/XX/2020 ) informing us our mortgage had been placed on a forbearance until XXXX and they would be reporting to the Credit Bureaus. We did not consent to this forbearance and did not want it. We immediately called US Bank and asked to be removed. They required that we write them a letter and send it to them ( via email ), which we did ( sent XX/XX/2020 ). They received and processed the letter, yet failed to remove us from the forbearance. We continued to pay our mortgage on time as originally agreed, and had to do so manually as they disabled our auto-pay due to the forbearance status. Thereafter, my credit score dropped 100 points due to a remark on my credit report from US Bank because of this forbearance. After a great deal of hassle, US Bank claims they have removed us from the forbearance and submitted credit corrections. XXXX updated my score ( increased 102 points overnight ), but XXXX did not. ( I do not have quick access to XXXX score ). I have checked again today, XX/XX/XXXX, and my credit score on  XXXX has once again dropped 102 points due to a US Bank Mortgage remark. My husband 's credit has been negatively affected as well. As a result of my credit plummeting due to their carelessness, we have been unable to even consider a refinance ( currently very low rates and wanting to get away from US Bank ),  purchase a new vehicle, or seek any new credit. I am waiting for a comprehensive list of documents and call records from US Bank, which I highly doubt I will receive without your help, or without a subpoena if it comes to that. My husband and I pay very close attention to our accounts and to our credit so we were able to catch this early ( still been going on for months ), but I fear for how many people this has happened to who haven't been paying as close attention and what damage this could do to someone's credit, especially with autopay being disabled and the bank making decisions on behalf of people without their knowledge or consent. Even more upsetting, this is happening at a time when we are all financially vulnerable due to COVID-19. We have no recourse but to hope the bank follows the rules ( which they have already failed to do ), and to seek help from our AG ( complaint filed ) and CFPB.

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 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
In 2017 I was with XXXX. XXXX  told me that if I switch from XXXX to their service they would pay my balance at XXXX. So they ported my number from XXXX and gave me the account. When I called about the balance they said to send them an email I sent them over an email with the XXXX bill and they never handled it. Now I am having financial hardship because there is an outstanding debt with 11 XXXX Enhanced recovery company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
In 2019 I was having medical issues and needed to be taken to the hospital by ambulance with the city of XXXX. At the time I was and still am insured with XXXX XXXX XXXX. I gave them insurance companies information. I have since called the city of XXXX and provided them my insurance information from XXXX XXXX XXXX. They were suppose to charge my insurance company. To this day they are still trying to collect the debt from me using a 3rd party collection agency Penn Credit Corpeven though I was fully ensured at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I paid my XX/XX/XXXX mortgage on XX/XX/XXXX before the 30 day late cutoff. 
Fifth Third Bank didn't process the payment for 3 days and reported me 30+ days late to my credit report. 
I was NOT 30 days late and have the receipt to prove it. 
I contested this with Fifth Third twice and they refused to rectify this for me. 
I was told, verbally, by XXXX XXXX that they would not admit this error and would not change this reporting. 
He also told me that I could go to the reporting agencies and use my proof to get this changed. 
I filed disputes with all three of the agencies and received a finalization notice from XXXX  today ( XX/XX/XXXX ) stating that Fifth Third would yet again NOT accept this even though I submitted my proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 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: NY

Complaint narrative:
Experian has once again added an account onto to my credit report without providing notice 5 business days prior to reinserting item. Section 1681 violation of FCRA rules. 

Account name ; portfolio recovery and associates. Original creditor XXXX XXXX. 

Neither Experian or portfolio recovery and associates can either validate or verify this account. A violation of fcra rules section 1681

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 2020-06-10 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: CA

Complaint narrative:
I applied at XXXX XXXX  today XX/XX/20 and when they ran my credit I was told that I did not qualify to rent without a co-signer because there were accounts in negative standing on my credit history. I was confused to hear this because I don't have any accounts with negative payment history or at least that's what I thought because when I checked my credit report I saw two accounts that I never opened. The accounts are from these companies " XXXX  XXXX '' & " XXXX XXXX XXXX ''. I never opened any account with these companies nor do I have any written/verbal contract with them and I did not give anyone else permission to open any account with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not take part in any payments that might have been made towards these accounts. I have filed this report to the best of my knowledge.

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 2020-06-10 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: CA

Complaint narrative:
I applied at XXXX XXXX  today XX/XX/20 and when they ran my credit I was told that I did not qualify to rent without a co-signer because there were accounts in negative standing on my credit history. I was confused to hear this because I don't have any accounts with negative payment history or at least that's what I thought because when I checked my credit report I saw two accounts that I never opened. The accounts are from these companies " XXXX  XXXX '' & " XXXX XXXX XXXX ''. I never opened any account with these companies nor do I have any written/verbal contract with them and I did not give anyone else permission to open any account with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not take part in any payments that might have been made towards these accounts. I have filed this report to the best of my knowledge.

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 2020-06-10 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: IL

Complaint narrative:
I have contacted bank of america and XXXX  in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to XXXX  and have received the same response as the accounts have been updated or remains.

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 2020-06-10 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:
On XX/XX/2020 I tried to unfreeze my credit report at Equifax. I could not log into my myEquifax account. They displayed a number to call. I called the number and gave the automated system my ssn, birthdate, and current address and phone number. They required further information from my Equifax credit report. I can not get to my credit report for that information without logging in! This is a catch-22 that has me seething with anger. I am trying to refinance my home and can't continue until the report is unfrozen. This is MY INFORMATION and I want it available to my lender. Equifax 's process is unconscionable. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: MIDFIRST BANK
State: CA

Complaint narrative:
My mortgage are showing late payments which is not correct and this is causing me problems trying to Refinance my home.

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 2020-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management asking me to pay {$610.00} XXXX XXXX XXXX  Account I never have credit with. They affect my credit report rating. They want me to pay them in order for them to clear a balance due that is not even mine and didnt exist since the very beginning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NV

Complaint narrative:
On or about XXXX XXXX, I applied for a loan to refinance my mortgage through Cardinal Financial, XXXX XXXX is the contact : Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone/Fax : XXXX XXXX Here are the issues and problems with this company : 1. During the last two months ( XXXX and XXXX ), Cardinal Financial raised my APR, even after having a loan rate locking agreement with them. 

2. They have repeatedly asked for the same documents that I had uploaded to their web page weeks prior, and they already have. 

3. They are trying to give me tax advice ; they told me that my XXXX tax return can not use the same account for dividend and interest income. The account that they are referring to did not even exist until the XXXX tax period. They are using XXXX tax data to give me advice about my XXXX tax return. 

4. They keep requesting tax transcripts for XXXX tax return, but I was unable to obtain them online and the IRS has shut down processing because of COVID issues. 

5. They keep requesting a loan payoff for the current mortgage. I sent them numerous replies that the loan was interest only and the balance that I sent to them via email was correct. I believe this to be another delay tactic, so that I withdraw my application. ( see # 6 below ). 

6. Based on the continuous delays, and requesting documents that they already possess or documents that they know that I can not produce ( tax transcripts ), I strongly sense that they are discriminating against me because of my age ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can not link my PNC account with the App XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF MEDICAL SERVICES 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " MEDICAL DATA SYSTEMS, INC

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 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I applied for American Express XXXX Amex XXXX Credit Card product during the first week of XXXX. Upon receiving online approval, I noticed two discrepancies with my expectations : 1. A promotional 0 % APR and zero fee balance transfer offer were not present in the cardholder agreement mailed to me. I saw *zero* indication of this throughout the online process. If I had seen that this would be the case, I would not have applied. It may have been buried somewhere, but it was very much a bait and switch with the promotional offer. 
2. I also noted that the credit limit was quite low compared to other cards. The setting of the credit limit is, of course, the company 's prerogative. But, I was given zero insight into what that would be before I was deemed to have automatically accepted the agreement. Given this was one of the principal deciding factors on applying for a card, I no longer have a use for this card given the credit limit provided. 

I have contacted American Express twice over these issues. They have told me that they can do nothing. They note that they have a record of the disclosure they received, but they will not furnish that to me either. Given I am in the process of applying for mortgages, my credit score will be damaged by the hard credit pull that American Express erroneously made given that I submitted my application under false and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: CA

Complaint narrative:
The accounts listed bellow are fraudulent accounts I run my credit history and I found many fraudulent accounts this is a IDENTITY THEFT

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 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
My car was purchased the week of XX/XX/XXXX from my daughter. I don't have dates but there are so many, at least 2-3 times per week starting in XXXX that I have call Ally Financial asking about the lien release and my refund coming to me. They would transfer me and I'd end up in the same department. Finally on XX/XX/XXXX I sent a complaint to the XXXX. At which time I did receive a phone call a few days later. The rep commented ... well this is cut and dry. All you need is the lien release and your refund. I said correct. She said she waiting to hear back from the departments that handle these and I should see both very soon. It's been a month later. I did file another complaint with the XXXX  but they are considering it a duplicate. It's been 3 mo. We want to transfer the title to my daughter 's name ... the bank is waiting for it ... but can't without the lien release. I refuse to call AGAIN. I just want my refund and lien release. I don't understand the issue. COVID?? Yes at the beginning but not this is a little bit beyond that.

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 2020-06-10 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: FL

Complaint narrative:
BY NATURE OF PREVIOUS CFPB REPORT XXXX, VW XXXX Fl AND OTHER VENDORS INQUIRED ON MY CREDIT WITHOUT AUTHORIZATION. YOU HAVE COMPLAINTS TO THIS EFFECT. YOU SENT MY COMPLAINT TO THE FTC. By nature of their own admission and statement not even with a lockout can this Credit Reporting agency stop these inquiries yet they continue to lower my score! I consider this intentional fraud since they inhibit my ability to secure funding due to lower credit scores. Also their third party they feed information to are also even more incorrect then they! PS I never use XXXX XXXX as a XXXX Creditor! Attempts to remove from on line and dispute incapable! They do not allow.

Company response to consumer: Closed with explanation