vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
Hi there, I just checked my credit score on XXXX. My credit score was XXXX points and my new updated score is fall by 55 points as XXXX points now. I am good with pay off my credit card on time. I never miss any payment. When I checked details of credit report.And, I got to know that someone pulled my credit report without knowing me. The company name is TD auto finance. Please help me to get my credit score back. It is supposed to go higher this period. But it falls below 55 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the MODPED partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named XXXX XXXX. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with XXXX   but I was not sure if I should do the same with the other credit bureaus. I was told by XXXX that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. * There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.

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 2020-08-25 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: COAST PROFESSIONAL, INC.
State: CT

Complaint narrative:
I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named Coast Professionals. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with  XXXX   but I was not sure if I should do the same with the other credit bureaus. I was told by Coast that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. * There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I submitted an application to refinance my condo in XX/XX/2020 with US Bank. I have not closed on this loan yet. They ordered the wrong appraisal and had to do another appraisal which took many weeks. I still have not received a copy of the appraisal. I have not received a conditional approval. I had to order a condo questionnaire and they gave no guidance as to the type questionnaire to order. No form was sent to me. I ordered the approved US bank condo questionnaire and it cost {$300.00} and now they are asking for a different form. Again with no guidance. I am at a loss as to my next step. I have asked for the supervisor to call me on several occasions and no calls.

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 2020-08-25 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: TX

Complaint narrative:
On XX/XX/2020, my Experian score dropped 22 point for no reason, I made no new inquiries, my spending habits are the same and nothing has changed in my report only my score. This is unacceptable and builds a sense of distrust for this system, is it designed for individuals to fail no matter how hard they try to have a decent and meaningful life? Please help me understand what is going on. Thank you.

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 2020-08-25 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:
Equifax should not be reporting me as an authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Recently, I applied for a Lands ' end Visa Signature credit card. I received a letter dated XX/XX/2020, that stated that the applicant is deceased. I am very much alive and I do not know where XXXX XXXX XXXX obtained that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, the below credit inquires on my credit report were not authorized by myself. I have communicated with the companies personally and have all stated that there is no record of an inquiry in their system. I am asking that Experian honor my word that the below are fraudulent inquires and remove them as requested through their dispute services on several occasions and the credit agency have not responded correctly. 

Inquires that are fraudulent : XXXX/XXXX : XX/XX/2018 XXXX XXXX Auto Finance : XX/XX/2018 XXXX XXXX XXXX : XX/XX/2018 XXXX XXXX : XX/XX/2018 Thank You for your support.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
2. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020 I applied to refinance my current mortgage with Chase. At this time I was told I would need {$500.00} for upfront fees and that nothing would be due at closing and I would not be required to provide anymore funds. My refinance was approved. I did not hear from Chase for 14 days at which time they informed me that I would be required to have a minimum balance in my Chase checking account of {$6600.00}. I was not informed of this upfront. I called the Lender and asked why. They told me that due to Covid-19 there is a new law requiring all lenders verify that all borrowers have {$6600.00} in their checking accounts. I have since discovered that was not true. I am currently working with another finance company and they do not require me to have {$6600.00} in my account. Therefore, Chase deceived me twice and they have not refunded my {$500.00}. It has been 14 days since my original request for a refund. I have attached emails from them stating it would take 7 to 10 business days for my refund yet I still do not have it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I contact Portfolio RC ( Collection Agency ) I noticed I had a XXXX XXXX account in collection from XXXX which has a balance of {$230.00}, that I never had, I had a XXXX XXXX card which was paid off and closed on XX/XX/XXXX and the balance was {$0.00} and the account was closed, Which seemed odd. I contacted XXXX XXXX regarding the item in collections and they couldn't pull up any accounts regarding the account number I provided which instantly I knew something was off. I contact Portfolio RC via mail, I stated I need a copy of my contract, id and my ssn to prove that the debt was truly mine, they only provided me with an invoice which isn't Validation by any means. I decided to contact them again regarding that matter and they refused to Validate the debt by providing me with proper documentation, I stated I only had 1 XXXX XXXX credit card which was paid off and closed besides that I NEVER! had any other account and even the original creditor assured me I only had 1 account and had a XXXX balance. I need this collection item removed from my credit report ASAP, I'm trying to purchase a home and its causing my character to be jeopardized due to this inaccurate item on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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:
I have a XXXX account on my credit report from XXXX, reported delinquent in XXXX, XXXX. I have never opened this account.I have disputed this account with XXXX, Equifax, and XXXX   and it comes back verified. I have tried reaching out to XXXX and they tell me the account is too old to do anything about, and unless I have the account number they refuse to discuss it with me. The account had a balance of XXXX. After I disputed the account numerous times it now shows {$0.00} balance, but updates {$0.00} dollars with a derogratory statement on XXXX and Equifax monthly. XXXX has a XXXX balance but havent updated since XXXX. I am so frustrated with this situation. XXXX is the worst, everytime I disputed the DOFD was updated until it now shows, XX/XX/XXXX. The other CRAs have the DOFD at XX/XX/XXXX. This is wrong and illegal. Please help me get this fraudulent account off all three CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a XXXX account on my credit report from XXXX, reported delinquent in XXXX, XXXX. I have never opened this account.I have disputed this account with XXXX, XXXX, and XXXX   and it comes back verified. I have tried reaching out to XXXX and they tell me the account is too old to do anything about, and unless I have the account number they refuse to discuss it with me. The account had a balance of XXXX. After I disputed the account numerous times it now shows {$0.00} balance, but updates {$0.00} dollars with a derogratory statement on XXXX and XXXX   monthly. XXXX has a XXXX balance but havent updated since XXXX. I am so frustrated with this situation. XXXX is the worst, everytime I disputed the DOFD was updated until it now shows, XX/XX/XXXX. The other CRAs have the DOFD at XX/XX/XXXX. This is wrong and illegal. Please help me get this fraudulent account off all three CRAs.

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 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Hello. Unable to repay current loan due to financial hardship directly impacted via COVID-19. Was able to sell vehicle. I have made every single payments on time or even more money. Company will not issue a deferment payment.

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 2020-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
I purchased a vehicle that was totaled in an accident. The original lien holder was paid by XXXX and Gap insurance. This left a balance of roughly 2000. I received a letter from Jefferson capital a debt collection agency advising they own the debt and offered a settlement on the account. I received a call from Jefferson capital today and was advised the balance is now over 4k and they offered a settlement of XXXX. They are using deceptive practices in an attempt to collect on the deficiency balance which is not legal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
Began making Bi-weekly mortgage payments and paying extra each time. Specialized Loan service was not applying my payments to my mortgage. In addition, began charging me a late fee because my early payments were put into a suspense account.

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 2020-08-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX Macy 's Credit but a late payment of my credit for a {$5.00} payment. 

It is now XX/XX/XXXX why is the late payment still reporting. 

I have begged Macy 's to remove this insane 7 year sentence over {$5.00} and they have refused. 

I have never been late prior to the incident or after. 

I have 100 % payment history until XXXX with Macy 's. 

Macy 's should be ashamed of its practices and its also my life 's mission to change the laws concerning how credit matters are reported. 

I am requesting to REMOVE THE LATE PAYMENT IT IS LONG PAST THE 7 YEAR SCARLET LETTER MARK.

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 2020-08-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had noticed I had a fraudulent charge a total of {$3900.00}. The date the transaction happened was XX/XX/2020. I had reported it and they put a fraudulent claim in. But after a month they declined it saying it was me. I believe they did not do any investigation. I had called back and they said I need to get a police report to file a new one. So I went to the police station and try to get a police report. The police station said I need a affidavit from the bank to file a report so I went to the bank to get one. When I went to chase bank on XXXX XXXX and XXXX XXXX and ask they said that they dont have an affidavit for credit card and it look like they werent trying to help me and tried to turn me away saying they cant do anything and saying that the manager is in a meeting. I tried to explain to them that I needed it for a police report that they asked for but they seem like they didnt care. Make me think is the bank even safe if they dont even want to do anything to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Tate and Kirlin Assoc
State: TX

Complaint narrative:
this is a debt thats over 20 years old that the company XXXX XXXX removed from my credit report and forgave a long time ago, they keep harassing my parents and this needs to stop, I have already called them and told them to stop and to removed my parents phone number from their list, this is abuse and harassment and have no basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am a victim of Identity Theft. I never applied for this account. A hacker stole my personal information from the dark net from the XXXX Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Financial Services Solutions, Inc.
State: VA

Complaint narrative:
I received a letter in the mail stating that I have outstanding credit card debt and that I need to set up a monthly payment plan. They claim to be a collection agency. I currently have no debt that is outstanding. This is the companies information : Department of Settlements XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation