vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW INQUIRIES SHOWING ON MY CREDIT FILE. THESE ARE NOT MY INQUIRIES, SO PLEASE DELETE THOSE INQUIRIES UNDER, INQUIRIES TO DELETE. 

I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNTS UNDER ACCOUNTS TO AMEND, TO BE AMENDED IMMEDIATELY TO SHOW NEVER LATE. 

ON XXXX, XXXX, XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW INQUIRIES TO BE DELETED AND SOME ACCOUNTS TO BE AMENDED. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS, AND NOW YOUR COMPANY IS IN VIOLATION OF THE FCRA GUIDELINES FOR THE 3RD TIME REGARDING INVESTIGATIVE RESULTS REPORTS RESPONSE DEADLINES

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 2020-04-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW INQUIRIES SHOWING ON MY CREDIT FILE. THESE ARE NOT MY INQUIRIES, SO PLEASE DELETE THOSE INQUIRIES UNDER, INQUIRIES TO DELETE. 

I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNTS UNDER ACCOUNTS TO AMEND, TO BE AMENDED IMMEDIATELY TO SHOW NEVER LATE. 

ON XXXX, XXXX, XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW INQUIRIES TO BE DELETED AND SOME ACCOUNTS TO BE AMENDED. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS, AND NOW YOUR COMPANY IS IN VIOLATION OF THE FCRA GUIDELINES FOR THE 3RD TIME REGARDING INVESTIGATIVE RESULTS REPORTS RESPONSE DEADLINES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
They are saying my score is XXXX. My XXXX XXXX and XXXX  are more than 200 pts more than that my XXXX  score is way higher than that. They are saying I have had to many address changes I have lived 3 places the last 20 years of my life. Last time I changed address was 2014 when I moved 5 miles  away to a new house same city. Been at my current address for 6 years. They are owned by ID Analytics '' - owned by " XXXX '' provider of Identity theft products - owned by " XXXX XXXX '' which also operates " XXXX '' provider of computer security softwares. I used to be a member of XXXX and their information they had about me was inaccurate and ridiculous. They obviously provided that information to ID Analytics which supplied it to SageStream and that's what they are using to compiled their version of my " Credit Score. '' I stopped paying XXXX and had many issues with them feel as though this is some kind of illegal retaliatory measures on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
Date : XX/XX/2020 Amount : {$1600.00} I contacted the The Money Source to discuss my mortgage payment options due to being furloughed because of Covid 19. The only option that they have is to give a three month forbearance and at the end of the three months I'm expected to come up with a lumpsum payment for all three months plus the current month. How is this going to help the American people?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: SC

Complaint narrative:
Around XX/XX/XXXX, I made my monthly payment for my XXXX  card. I believe I made the monthly payment with a representative. 

On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that XXXX  had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered. 

On XX/XX/XXXX, I contacted XXXX  about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " XXXX  had a computer glitch when my payment was made and the payment did not get posted ''. I asked XXXX  to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations. 

On XX/XX/XXXX, I viewed my credit report to see if XXXX  had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered. 

XX/XX/XXXX, I contacted XXXX  again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " XXXX was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report. 

We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted XXXX  on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If XXXX  had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the XXXX  account in XXXX which I was in good standing with my XXXX  account as well as with my other credit card holder. 

XXXX  ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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:
Around XX/XX/XXXX, I made my monthly payment for my XXXX  card. I believe I made the monthly payment with a representative. 

On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that XXXX  had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered. 

On XX/XX/XXXX, I contacted XXXX  about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " XXXX  had a computer glitch when my payment was made and the payment did not get posted ''. I asked XXXX  to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations. 

On XX/XX/XXXX, I viewed my credit report to see if XXXX had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered. 

XX/XX/XXXX, I contacted XXXX again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " XXXX  was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report.

We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted XXXX  on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If XXXX had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the XXXX account in XXXX which I was in good standing with my XXXX  account as well as with my other credit card holder. 

XXXX ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.

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 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX XXXX XXXX I made a substantial payment to pay off the balance on my Citi thank you preferred card. Once this payment cleared I was sent a letter by e-mail advising my credit limit had been cut from {$8500.00} to {$500.00}. This account had been opened since XXXX and had a perfect payment history. 

I immediately contacted customer service and my account was subsequently closed. 

I have reason to believe Citibank is in the practice of reducing credit limits due to the coronavirus on low risk consumers who do not have any problems with payment history or debt load. 

I received a follow up letter in the mail stating that I have high debts with other creditors which is simply not true. I have very little credit card debt, and all accounts are in perfect standing. I have other accounts with CitiBank that are paid in full. 

In the period between XXXX and XXXX I understand Citi Bank was found to have committed mortgage lending violations and other unethical business practices that resulted in a large mortgage settlement. I was a party to this and received a payout. I would like to ask the CFPB to heavily look in to the practices of CitiBank in relation to how they cut credit limits after payments have been made in an effort to maximize negative impacts on the customers credit score. I am happy to provide a recent copy of my credit report to the CFPB to document and years of account statements to document that Citi had no reason to take any negative action against my acccount.

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 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.

Complaint narrative:
On XX/XX/XXXX, PNC Bank informed me that my Standard Checking account was being marked Inactive and will likely be closed. 

This is despite the fact that _every_ month for over 10 years I have deposits and withdraws into and out of this account. That includes every month leading up to this notice. 

I called customer service and they informed me that the type of deposit and withdraws I was making werent considered activity even though their values vary, the deposits are manually executed and vary by day, etc. While they agreed to temporary mark my account active again, their said their automated checks will simply mark it inactive again until he future unless I start transacting in different ways, e.g. making ATM withdraws. 

I travel a lot and am currently stuck abroad due to the COVID-19 pandemic. I dont have a debit card and have no desire or ability to make ATM withdraws. This is a bizarre definition of inactive and I will likely see my account closed despite regular activity, meeting of the minimum balance requirements, and being a reliable customer since I was a student.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
INQUIRY FROM THIS COMPANY ON MY CREDIT REPORT, THAT WAS NOT AUTHORIZED! 

THD/CBNA Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, SD XXXX By Mail Only

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 2020-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
On XX/XX/2020 XXXX XXXX I applied for lot 7 property at XXXX XXXX new construction site located at XXXX XXXX XXXX, CA XXXX. I was told by the on site agent XXXX  I could not apply for the property at that time due to the builder didn't give the agents a price for lot number 7.  Finally after 5 days my agent XXXX called me and said they had a price from the builder, and me too call XXXX XXXX at XXXX XXXX I called XXXX XXXX, and informed him I had a VA approved loan ready for pay out. XXXX informed me I could not use the XXXX loan I had to apply at XXXX XXXX XXXXnd be approved by him. Below is a copy of the email XXXX sent me after I applied at XXXX XXXX Mr. XXXX asked for documentation for one year of payments auto ins, life ins, XXXX, XXXX XXXX XXXX, Cell phone, internet and Cable. I feel this was harassment because I submitted a year of bank statements with all of those payments reflected on my bank statements. The loan officers at XXXX were smarter, they didn't have any problem interpreting my bank statements for a year. 

COPY OF EMAIL XX/XX/2020 Thanks for downloading the XXXX XXXX app. Now you have the mortgage process in your hands! 
Be sure to check out everything that will make your loan easier. You dont have to get stuck waiting to figure out what you can afford, just use the mortgage calculator to check out your loan options. Your loan process wont be stuck in the stone age either. When were ready to start working on documents, you have an easy-to-use scanner tool in the app so you dont have to scramble for a fax machine or printer, or driving documents across town. Ive also added links and other tools to make your part easy. 
If youre the type of person that would rather do all this stuff on your computer, just go to, https : XXXX and remember to use XXXX to sign in. 
Were here for you! Reach out anytime. 
XXXX XXXX XXXX XXXX ) XXXX XXXX American Pacific Mortgage Corporation On XX/XX/2020 I received a credit denial with one check mark in the credit section for delinquent credit obligations. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
earlier this week I heard our California Governor say on live tv that all mortgage companies will defer your monthly mortgage payments up to 3 months without any penalty. he said that the way it would work is we can defer 3 monthly payments and our mortgage company can just add those 3 payments to the back side of our loan without any extra cost or penalty to us. 
So I called our mortgage company to ask them if we can defer our payments like XXXX XXXX said, because myself and my wife are both temperarly out of work for a few months because of this corona virus. its not our fault that we can not work right now because of this virus. The governor ordered a state wide lockdown. so we are not allowed to leave our house unless we need to get food or essential groceries. We both had to file for unemployeement insurance to help us get by until its safe for us to go back to work. And to my surprise the mortgage company said they will not cooperate with what XXXX XXXX said about defering our mortgage. This is why I want to report this company. This demonstrates bad faith and a bad business ethic on there part. The name of this company is Lakeview Loan Services LLC I will gladly give you my personal account info if you need it later. I can be contacted by phone or email just about anytime.

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 2020-04-02 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 received a credit monitoring alert on my phone this morning letting me know that there was a collection account added to my credit report. This made my credit score go  down and I'm trying to maintain a high school. I noticed it was an account, XXXX via XXXX, which I've already filed a dispute in the past to have removed. My information is being sold to new companies who are reporting this fraudulent account on my report. This is not my account. I've already disputed this and I've already asked it to be removed and blocked from my account. This is my second time. Please remove this account and block from my credit report as it does not belong to me. 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 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is what they are telling me to do after having the card for 3 years no missed payment or anything. 

Discover Financial Services requires your consent to receive tax information from the Internal Revenue Service ( IRS ) to verify information on your account. Within 5 days, please click the 'Review Documents ' link below to provide consent via IRS Form 4506-T. Until this verification is complete, a temporary hold has been placed on your Discover card account. Your account will be closed in 14 days if you are unable to provide the requested consent. 

Please follow the steps below : Upon clicking the link, you will be prompted to enter an Access Code. The Access Code is the 5-digit zip code on file with your Discover card account, followed by the last 4 digits of your Social Security Number ( SSN ). If you use an  Employer Identification number ( EIN ) for your Discover card account, the Access Code is the entity 's 5-digit zip code on file with your Discover card account, followed by the last 4 digits of the EIN.

To complete the form, you must provide your e-signature.

If applicable, complete line item 4.

Please allow 5-7 days for Discover to receive and process the IRS documentation. Discover will contact you in writing to advise of completion of review of your account. 

For questions or if any information on your 4506-T is incorrect, please contact Discover Customer Protection Services directly at XXXX, or call the phone number on the back of your card. The team is available Monday through Friday, from XXXX-XXXX Eastern Time, and Saturday XXXX-XXXX Eastern Time.

We appreciate your prompt attention and cooperation. 


Sincerely, Discover Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
60 days ago on XX/XX/XXXX disputed a XXXX account reporting on my Experian report that is not mines I have still yet to get any response from Experian. the FCRA States all credit agency have 30 days to respond to a dispute if not the account must be DELETED. I also sent a 30 day fail to comply letter 30 days ago and didn't get a response to that letter. At this point Experian has breaking all the rules and regulations set by the FCRA failing to respond.I DEMAND THAT THE XXXX ACCOUNT THATS NOT MINE BE REMOVED FROM MY CREDIT REPORT WITH IN 48 HOURS OR ILL BE FORCED TO TAKE LEGAL ACTIONS AGAINST EXPERIAN

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 2020-04-02 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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