vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 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:
Upon receipt of my recent credit reports from Transunion, XXXX, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at XXXX XXXX ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at XXXX XXXX of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, Transunion, and XXXX 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 2020-07-27 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:
Upon receipt of my recent credit reports from XXXX, Equifax, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at XXXX XXXX ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at XXXXXXXX XXXX of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, XXXX, and Equifax Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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:
Upon receipt of my recent credit reports from XXXX XXXX, and Experian, Its apparent there still exist a Fraudulent account I discovered that was opened at XXXX XXXX ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at XXXXXXXX XXXX  of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my Experian, XXXX and XXXX  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 2020-07-27 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I'm attempting to make a payment to a service provider, and PNC does not permit XXXX to link my account. I do not know how to pay the provider now, and may lose a vital service that will be essential for my family. Frankly, it is unfathomable that a banking institution as large as PNC does not participate with XXXX, or what I assume is it's sister company XXXX, as my internet browser linked to instructions on paying this provider through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XX/XX/2020, WellsFargo bank approved my request to suspend mortgage payment for 3 months due to COVID-19 hardship at no interest and no credit missing payment report. My principal balance then was {$290000.00} and continued to the same until XX/XX/2020. 

On XX/XX/2020, I submitted a request to continue payment starting XX/XX/2020, and defer the missed 3 payment until the end of the mortgage period, again no interest. I had no reply to that request. 

On XX/XX/2020, I paid {$2100.00} for the XXXX payment on time. 

On XX/XX/2020, and after I continued to pay, I found an amount of {$5400.00} added under a category named " Unpaid Secondary Principal Balance '', and my total mortgage principal balance has gone up to {$300000.00} from {$290000.00} at payment suspension. 

I called the bank on XX/XX/2020, to ask why my principal balance increased. They said it was to compensate for the missed payments! I told them that didn't make any sense, they insisted that the amount was added to compensate for the missed payments. I asked to file a complaint and escalate the issue, they told me I will get a reply within 24 hours and I haven't got any reply yet. 

On XX/XX/2020, I called again and no one answered. 

I am attaching the loan statement sent to me by the bank on XX/XX/2020, highlighting the added amount. 

Now not only I have to pay my missed payments, but I have to pay {$5400.00} on top of 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 2020-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/20 I received results on my dispute being proven accurate, I think it is incorrect. My credit score dropped 38 points because of my student loan which shouldnt have happened because of the covid-19 pandemic, no loans are required to be paid until XXXX due to the CARES ACT, so my credit score should not have been negatively affected.

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 2020-07-27 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: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/20 I received results on my dispute being proven accurate, I think it is incorrect. My credit score dropped 38 points because of my student loan which shouldnt have happened because of the covid-19 pandemic, no loans are required to be paid until XXXX due to the CARES ACT, so my credit score should not have been negatively affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2020 I made wire transfer to XXXX XXXX XXXX XXXX to XXXX XXXX in the amount of {$5000.00}. When I called XXXX to confirm transfer was received only to find out money was not received, I called Wells Fargo spoke to rep who told it will probably take a couple of days for my transfer to be completed. On XX/XX/2020 I called XXXX rep and was told they had not yet received the money, I then called Wells Fargo and was told the same thing I was told the first time I called. I was so upset since the money was nowhere to be found. I had to XXXX XXXX another {$5000.00} for the merchandise I needed to purchase. I am now negative {$5000.00} in my account because of this issue. I've been calling 3 times per day to find out about my money. As time passed by I became very frustrated and called Wells Fargo to ask to speak to their manager spoke to someone by the name of XXXX who said she would open a claim to investigate the whereabouts of the money. She also told me the account number which the money was sent to had an extra " XXXX '' in it and were not sure where it was at, they have requested XXXXXXXX XXXX  to refund me my money but have not yet heard back from them due to Covid-19 they are experiencing delays. Wells Fargo has taken to long to resolve this issue.

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 2020-07-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a HELOC with JP Morgan Chase that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called JP Morgan to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, & XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. JP Morgan Chase also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from 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 2020-07-27 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from 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 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen Financial Corporation agreed to put my mortgage in forbearance under the CARES Act until XX/XX/2020. 

Recently I noticed that my credit score had decreased dramatically and I see that my mortgage company has reported my forbearance as delinquent! I have approached them twice on the phone to sort this out but my credit rating is still lower than it should be. 

I am wondering if this is actually a 'mistake ' as they suggest or a more widespread pattern of embarrassment? 

I was just about to be able to refinance for a lower rate thanks to the recent changes in the rules but this has set me back from a good credit rating to only fair. 

I would really appreciate any help you can give me in expediting the process of removing the delinquent category from my credit rating, it is simply not true!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month  they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is either the third or fourth year that I have not been able to obtain my free Credit Report from Equifax. At first I thought the issue was because of the data breach and that their system was not working. However, in reviewing your website, there is no mention that consumers can not obtain a Credit Report from Equifax, free or otherwise. 

XXXX XXXX XXXX XXXX XXXX website take me through to the 4 security questions asked by Equifax and then, it keeps telling me that I must submit my request in writing. I've submitted my request via the Form, in writing in the past and it seems like once they receive the mailed in Form and my letters with the requested information, it goes through some loop where Equifax just keeps asking for the same information over and over. -- BUT, I don't ever receive the Credit Report. And now I'm going on either three or four years without a Report from Equifax. 

Therefore, 1 ) I'm being denied my Free Credit Report and 2 ) I have no idea what is being reported or 3 ) I have no idea if the information being reported is even correct. 

Please note, I have zero problems obtaining my Free Credit Reports from XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY, THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX  ACCT # XXXX THIS ACCOUNT WAS PREV IOUSLY INVETSIGATED AND REMOVED THEY SOLD IT TO ANOTHER COLLECTION AGENCY. 

CREDITORS OR COLLECTION AGENCIES IF THEY TRY TO RE AGE YOUR ACCOUNT BY UPDATIND THE DATE OF YOUR LAST ACTIVITY ON YOUR CREDIT REPORT WITH THE HOPES OF KEEPING NEGATINE INFORMATION ON YOUR ACOUNT LONGER.

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 2020-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Medical bills from XXXX XXXX stop coming in for XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, I assume bill was paid by insurance company due to no statements was received of balance owed.I was checking my credit report in XX/XX/XXXX and found collection company on my report, I have no never hear of this company nor have they reached out to me via phone call or mail my phone number my address have not changed. I call the hospital made agreement to make monthly payments over the phone I have been making monthly payments on line each month to the hospital and not the collection company, payments was made in XXXX, XXXX, XXXX, XXXX and XXXX. The collection company is showing no payment for XXXX, XXXX, XXXX, XXXX & XXXX, My account was turned over to collection, but XXXX XXXX stop sending monthly statements and the collection agency never contact me. Wow what a way to mess up a person credit. no contact with customer they just added a claim to my credit report faulty. I have wrote several letters to the credit report companies trying to stop the collection nothing has happen I need your help please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-07-27 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I recently tried to sign up for XXXX and attach my bank account to the app so that I might be able to build an investment portfolio. However, after going through some authentication, I received an error message saying my bank will not allow that. I'm just curious as to why such an action would not be allowed to go through. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: UT

Complaint narrative:
On XX/XX/XXXX I obtained the payment mailing address ( Discover XXXX XXXX XXXX XXXX XXXX CA XXXX ) through their automated telephone system. I was working with a Loan Specialist at XXXX XXXX XXXX XXXX to send a cashiers check for {$7800.00}, which was also provided through the phone. It was mailed out on XX/XX/XXXX with an expected delivery date of XX/XX/XXXX. ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). I spoke with an agent at Discover after it had arrived, and they stated the address is incorrect and hasn't been used since XXXX! They advised any mail sent to that address would be returned to the sender. My credit union was unable to cancel the check, and recommended I follow up with Discover. This meant I now had a payment due with my credit union AND Discover. 

The check was not returned until XX/XX/XXXX, and canceled by the credit union on XX/XX/XXXX. Discover stated they will honor the original pay off estimate if I send a new payment by XX/XX/XXXX, which could not happen until I first received the check.

Company response to consumer: Closed with monetary relief