vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Whenever I review my credit score on Transunion, I see interesting information. Example : An increase of my XXXX card by {$120.00} resulted in a 12 point drop in my credit score. That does not make sense at all. 
In addition, a current property loan is not showing. The original mortgage company sold my loan to XXXX. XXXX still has not reported credit activity. 
I am just lost on this credit thing. Why is the score always dropping in spite of the fact I have an excellent payment history on my credit reports?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
BB & T acquired our condo mortgage from XXXX XXXX this year. The condo association purchases flood insurance. BB & T has been provided with evidence that the flood insurance coverage is current and adequate. The BB & T web site actually shows active flood insurance for our account. HOWEVER, BB & T HAS SENT TWO LETTERS STATING THEY HAVE NO EVIDENCE OF FLOOD INSURANCE AND THEY WILL PURCHASE FLOOD INSURANCE AT OUR EXPENSE. The first letter was dated XX/XX/20. I have made several attempts to resolve this issue with BB & T. It is apparently not possible to discuss the problem with a human being by calling the phone number provided in the BB & T letters. Although BB & T does not provide an email address for customer service issues, I did locate an email address for XXXX XXXX XXXX of BB & T. Mr. XXXX did not respond to my email. Apparently, Mr. XXXX and BB & T do not prioritize customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: Selene Holdings LLC
State: NY

Complaint narrative:
My loan has been in the modification status since XX/XX/2020. My payments have been made on time up until this month. The mortgage company reported on time payment every month except XXXX/XXXX even when they were paid the first of every month. I tried for two months to contact someone and to no avail you can not speak to anyone. I sent emails and called the company and nothing has changed. The company corrected one month and then posted late the following two month. With this reporting my credit score has dropped 50 points and this will prohibit me from refinancing in the future. I take full responsibility of all late payments prior to the loan modification due to being laid off from XXXX XXXX after 27 years. I am looking for your assistance in any way you can. Hopefully i can get this resolved quickly Thank you 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 2020-11-01 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: NY

Complaint narrative:
To whom it may concern, My name is XXXX XXXX. There was fraud of some sort back on XX/XX/2020 someone tried to apply for a credit card using my name of some sort with XXXX XXXXXXXX I called XXXX XXXX and they understood I didn't authorize any new cards with them and was already a member. They had said since it was fraud and not me they would remove the hard pull from my file. It was on all my files that. They removed it on XXXX report but on Equifax report it is still there. I have attached pictures to show it was removed from transunion. Equifax it never came off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/20 I was reviewing my monthly transactions ( via XXXX XXXX and noticed a high charge that I did not recognize on a Bank of America credit card that I reserve for emergencies only. The charge was on XX/XX/20 for {$520.00} at a XXXX XXXX in New York ( which is where I reside ). Upon seeing this charge I immediately called Bank of America and reported that this was fraudulent and they began a claim, sent me a new credit card and advised me to cut up the old card. 

I received a response from Bank of America today, XX/XX/20, that they were denying my claim saying " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' First, there is no pin number for this credit card, so no pin was used. Second, I did not make this charge therefore my signature could not have been used and I have yet to see proof of a signature. Thirdly, no one knew I even had this card and I absolutely did not give anyone access to it and there are no authorized users. 

I am trying to appeal the denial of the claim, but was advised to also submit a claim to the 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 2020-11-01 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: NY

Complaint narrative:
To whom it may concern, My name is XXXX XXXX. There was fraud of some sort back on XX/XX/2020 someone tried to apply for a credit card using my name of some sort with XXXX XXXX. I called XXXX  XXXX and they understood I didn't authorize any new cards with them and was already a member. They had said since it was fraud and not me they would remove the hard pull from my file. It was on all my files that. They removed it on XXXX  report but on XXXX  report it is still there. I have attached pictures to show it was removed from XXXX. XXXX it never came off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I contacted One Main Financial on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let One Main Financial know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
FREE MSG FRM : CHASE BANK This is a secure message FRM Chase, We detected unusual activities on your online banking, someone may be attempting to access your Chase account. For security reasons, we have temporarily LOCKED your account. 
Note : Please state correct information of your Chase account to allow us confirm and protect your account, kindly visit the link below to Recover your account straightaway https : //drrosinaparker.com/Chase.com-Support-MyAccount-Recovery/ Thank you for choosing Chase. Do Not Reply To This Message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan motor acceptance Corp is Reporting to the credit agencies that my lease is not paid off and I have an open balance of XXXX. They are doing this because I didnt pay for car damages when the lease is returned. 

I am kindly demanding that Nissan stops reporting my open lease balance and closes the account in reporting to the agencies. After that I will pay the damage fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX XXXX merged to become Schools First. Customers were told to activate their debit cards on XX/XX/XXXX and that their old debit cards would no longer be usable. I have been trying to call the activation phone number and log on to the website, but both say that the services are not available. I, along with other customers, are being prevented from using our accounts or having access to our money. Because consumers can not contact the bank by phone or on line, there is no way for us to resolve the problem with Schools First.I am writing this complaint to document the unfair and possible fraudulent behavior on the part of Schools First.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I make my equity loan payments on time every month. I learned in XXXX, 2020, Pentagon Federal Credit Union performed a system upgrade for the Mortgage Servicing System and it is erroneously reporting that my XXXX payment was not made. I have contacted them by phone and XXXX multiple times in the past month to rectify the situation, but they have done nothing. I am concerned that because their system thinks I am delinquent, they will be reporting this to the credit bureaus. They are unable to provide to me a date for when this issue will be resolved. 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 non-monetary relief
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I have no idea why this charge is being reported to XXXX. This is an outstanding collection that was reported in XX/XX/XXXX. I saw Dr. XXXX XXXX XXXX XXXX. in XXXX. I have no idea why I would have this charge as I purchased a home in XXXX and my credit was cleared of any outstanding charges. I have had no recent collection letter or calls from this company. I have no idea why it would have been reported in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: GA

Complaint narrative:
I contacted XXXX XXXX XXXX on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let XXXX XXXX XXXX know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: GA

Complaint narrative:
I contacted XXXX XXXX XXXX on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let XXXX XXXX XXXX know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: GA

Complaint narrative:
I contacted XXXX XXXX XXXX on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let XXXX XXXX XXXX know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: GA

Complaint narrative:
I was victim of identity theft and I contacted the collection agency and provided information informing them that my identity was stolen and advised them I contacted the original creditor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I dont own a PNC account. I have a prepaid card only with no account that I applied for last year. I went to upload funds to the card and never shared my SSN number. The bank customer service rep only saw my drivers license. I was notified by the credit bureau that they opened a fraudulent account in my name when I walked out. I attached what the credit bureau has shown me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a savings account and Bank of America refuses to let me withdraw my 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 explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Received checks and a banking card PIN number in the mail for a checking and savings account for Citibank opened in my name using precious address information. Contacted Citibank who confirmed that someone had opened both accounts online. I did not make request these accounts and requested Citibank to close immediately and reported as fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: GA

Complaint narrative:
I was victim of identity theft and I contacted the collection agency and provided information informing them that my identity was stolen and advised them I contacted the original creditor Lending Club.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: TN

Complaint narrative:
A loan was opened under my name with XXXX. I have contacted XXXX as well as the credit bureau Experian to make them aware of the issue and the account has not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: OPORTUN FINANCIAL CORPORATION
State: TN

Complaint narrative:
A loan was opened under my name with Oportun. I have contacted Oportun as well as the credit bureau XXXX  to make them aware of the issue and the account has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: Conn's, Inc.
State: CA

Complaint narrative:
I account was opened under my name without my permission. I was a victim of identity theft. I contacted Conns to let them know and the account has not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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 account was opened under my name without my permission. I was a victim of identity theft. I contacted XXXX to let them know and the account has not be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Associates
State: VA

Complaint narrative:
The debt was one of several medical debts I had. In 2017 I had begun paying off first the smaller amounts owed. The debt in question was {$410.00}. The Collection agency was XXXX XXXX XXXX. This bill was paid in full by personal check written XX/XX/2017. BUT it keeps re-occurring on my credit report under the credit collection agency of Piedmont Credit & Collection Service. I have reported this to both XXXX  and XXXX  but it keeps coming back when I check my credit report/file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank checking acct with XXXX  balance keeps charging XXXX monthly fee,. Wrote 2 letters to them to close acct with XXXX bal. They do not. Last month I sent a check for 2 months fees and again said to close acct. Now I get a 3rd notice for 3 months of fees for XXXX. They never even deposited the check to my XXXX checking acct. Company has worst cust service. No chat/call wait times horrible and do not respond to my letters. Should be closed down for cheating customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-01 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
On XX/XX/2017 XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to Caine Weiner and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, XXXX XXXX  has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: CA

Complaint narrative:
Equifax is NOT DELETING two items in the credit report about an obligation to XXXX formerly XXXX XXXX for solar energy installation. 
I have informed Equifax that the XXXX XXXX XXXX XXXX is to pay for power generation NOT instalment to purchase and own the two installations. 

I have also informed Equifax that the XXXX Agreement states this : 9. Ownership of the System ; Tax Credits and Rebates.

You agree that the System is XXXX personal property under the Uniform Commercial Code. You understand and agree that this PPA is not a contract to sell or lease the System to you. 
XXXX owns the System for all purposes, including any data generated from the System.

This has affected my credit score.

I am attaching the two docs re Equifax resolution Ironically two others XXXX and XXXX does NOT have this in their report. 

THIS IS THE TWO ITEMS IN DISPUTE WITH EQUIFAX I CAN NOT GET DELETED. 

Installment Accounts Report Date : XX/XX/2020 Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. 

Open Accounts XXXX| xxxxxxxxxxx XXXX {$16000.00} Remaining Balance {$130.00} Last Payment Amount 0 Late Payments 5YRS 5MOS Age of Account XXXX| xxxxxxxxxxx XXXX {$24000.00} Remaining Balance {$220.00} Last Payment Amount 0 Late Payments 6YRS 7MOS Age of Account THE DISPUTE COMPLETION IS ATTACHED. 


I also have a case where their XXXX solar installation does NOT appear in their credit report as an installment account!

Company response to consumer: Closed with explanation