vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been a victim of identity theft and there are a XXXX account, XXXX XXXX  account that is not open and not overdue or never been late. Please remove these old accounts in my account. There is a XXXX XXXX  bill that I have never opened. There is accounts that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: CA

Complaint narrative:
the account I listed are fraud I check my credit and I found the accounts I never open this is a fraud accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: CA

Complaint narrative:
the account I listed are fraud I check my credit and I found the accounts I never open this is a fraud accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
XX/XX/2020, I attempted to fund my XXXX  wallet using my financial institution 's online banking credentials ( PNC ) only to receive a message stating that, " PNC has made a change that prevents you from being able to link your accounts. '' I contacted PNC customer service and spoke with a customer service representative that " looked into '' my account to see what could be causing the error. At this moment, XXXX EST, I still am unable to fund my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2020-06-01 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: LEXISNEXIS
State: OH

Complaint narrative:
There are inquiries on my account that I did not I intitate. Someone have stolen my identity. These inquiries needs to be removed immediately. The FCRA requires all inquiries to be removed if the creditors and credit bureaus doesnt have proof. Not only the creditors, the bureaus as well. Please remove all inquiries that have no proof or I will sue you all for assisting in fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: ID Analytics, Inc.
State: OH

Complaint narrative:
There are inquiries on my account that I did not I intitate. Someone have stolen my identity. These inquiries needs to be removed immediately. The FCRA requires all inquiries to be removed if the creditors and credit bureaus doesnt have proof. Not only the creditors, the bureaus as well. Please remove all inquiries that have no proof or I will sue you all for assisting in fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, i wrote Transunion, in part : " To Whom It May Concern : This letter is in response to your recent claim file # XXXX that the following furnishers have verified that the accounts reporting under my name is accurate. 
Accounts : 1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX XXXX XXXX # XXXX 6. XXXX XXXX XXXX XXXX # XXXX Be advised that the description of the procedures used to determine the accuracy and completeness of the information is hereby requested, to be proved within fifteen days of the completion of your investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. '' I received a correspondence dated XXXX from Transunion stating that they completed an investigation for the accounts above and they verified them previously. On file number XXXX, the accounts they alleged were verified weren't updated as they would be if they were investigated correctly. 

1. XXXX XXXX # XXXX Updated on file number XXXX, XX/XX/XXXX 2. XXXX XXXX # XXXX Updated on file number XXXX, XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX # XXXX Updated on file number XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX XXXX # XXXX Updated on file number XXXX, XX/XX/XXXX It is my belief that an investigation was not completed for the following acoounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NC

Complaint narrative:
Due to COVID-19, I was laid-off from my job on XX/XX/2020. On XX/XX/2020, I called our VA loan servicer, Midland Mortgage, and requested a mortgage deferment under the COVID-19 CARES Act. The representative that I spoke with said I was approved for a mortgage deferment for XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/2020 mortgage payments. The Midland agent explained that our deferred payments would be placed on the back end of our loan. The Midland agent further said that if we chose to catch up the late payments before XX/XX/2020 our account would be back to a zero balance. Because of previous experiences with Midland Mortgage, I asked the representative to repeat what we were being approved of and I recorded it. 

Later, after not receiving the email that I was told I would receive, nor any written confirmation from Midland Mortgage of our deferment, we logged into our Midland Mortgage online account. In the account summary page, it stated that over {$6000.00} would be due on XX/XX/2020. We called Midland Mortgage on XX/XX/2020 ( at XXXX, XXXX, XXXX, XXXX ), XX/XX/2020 at XXXX and XX/XX/2020 at XXXX to request that they send us something in writing stating the facts and agreement I was told on XX/XX/2020. On all three instances, Midland reps stated that Midland does not offer deferments to move those payments to the end of the loan and we would have a lump sum payment due XX/XX/2020. They stated that they would consider extending for another 6 months or other options after XX/XX/2020. All three reps stated that deferment to the end of the loan can not be done at this time. I recorded these conversations with Midland Mortgage as well. 

Also, on XX/XX/2020, I received a letter for their short-term mortgage assistance program that will allow us to delay payments for 6 months. It did not reference the deferment that we requested to place these payments to the end of the loan that was initially approved and verified on XX/XX/2020. Instead the letter stated a lump sum payment of over {$6000.00} would be due at the end of XXXX. 

I have spoken to several representatives of the VA Regional loan center who has verified by phone and in writing that it is our choice to request a lump sum payment or put those payments to the end of the loan right now, not evaluate in 6 months. Please help us with getting the Deferment for our mortgage with our loan servicer, Midland Mortgage as illustrated in the rights of the CARES Act. We have attached several documents to support our complaint. Those previously referenced recordings are available upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I received a letter from a financial institution on XX/XX/2020, stating I was denied for an auto loan based on a credit inquiry to Experian on XX/XX/2020 due to the following reasons : 1. Credit bureau frozen 2. Lack of trades reported recently I have not placed a freeze on my credit report with any credit bureau and would like to know who froze my credit report without my authorization. If Experian froze my credit report, why was I not notified? If this is from someone else being associated with my report after I have already requested to have inaccuracies corrected, why are these inaccuracies still present? 
I have attempted to obtain my credit report from XXXX and directly from Experian. Each time I am told my Experian credit report can not be accessed, yet I was able to pull my credit report from the other two major credit bureaus without incident. I have attempted numerous times to contact Experian during stated business hours on their website at the following numbers listed on the website. ( XXXX, XXXX, XXXX ). I am trying to reach an actual person to discuss this matter and have been disconnected each time after following all automated prompts. 

If I can not obtain a report or get into contact with Experian, how am I supposed to fix this issue?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This inquire isn't recognized dates : XX/XX/2020, and XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX received letter from Chase regarding the need for an XXXX form to be returned to them XXXX signed and mailed XXXX form XXXX one of two Chase credit cards were declined Checked email and web and app and no indication of any issue. Multiple offers for opening new accounts and upgrading my card. 100 % on time payment history with no balance carry over for many years. Excellent credit rating XXXX Contacted customer service and advised both credit card accounts were closed and I would be notified by mail in 7 business days as to the reason why. No letter received. 

XXXX Transferred multiple times to finally reach someone who stated that Chase required an SSA-89 for my daughter who is an authorized user. I received no notification that this was needed and certainly no notification that my accounts would be closed. 

XXXX Went to Chase Bank Branch in XXXX XXXX, FL and provided my forms. Photocopies of my credit cards were also taken and faxed in on my behalf. 

XXXX Experian Credit report shows CHASE reported a debt settlement was filed against my account which is not true. It also shows that my credit line was closed by the credit grantor. This negatively affects my credit. 

Was informed on Thursday by phone that my accounts CAN be reinstated as soon as the SSA-89 is received. Contacted Chase Compliance Dept at XXXX and they confirmed the forms had been received but the accounts were closed due to bank policy but no additional details provided. 

XXXX 2 hrs on phone with compliance, credit customer service, lending, credit bureau depts. Accounts have been closed for the reason of bank policy and can not be reopened. 

XXXX called XXXX XXXX, FL Chase Bank Branch and spoke with XXXX XXXX who will file a complaint on my behalf XXXX received a call from Chase Complaints to discuss the case. No additional information offered as to the reason for account closures. Representative confirms forms are in receipt by Chase. Representative confirms 100 % payment history throughout entire life of both credit cards. Representative confirms mortgage with Chase is still in good standing and has no issues. Unable to provide any other information and acknowledges that closing the accounts without any notice or reason seems unusual but there is no recourse My credit is negatively affected and Chase is offering no assistance. Of note, Chase continues to offer me multiple credit card offers by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This inquiry on my credit isn't valid- inquiry is was made XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
sent police and FTC identity theft report to all three credit bureaus detailing identity theft and accounts resulting from identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/2020 I received an invitation by mail to apply for Bank of America Cashback credit card. Prior card application, I contacted the application center with questions about card eligibility, since over two years ago I filed for bankruptcy and in the past, less than 2 years since than was the application rejection criteria. My efforts to confirm the basic applicability/rejection criteria prior to the credit card application was not successful the application agent neither had this information, neither able to transfer my call to the credit specialist. The hard credit inquiry [ for nothing ] could be prevented if Bank of America would be clear and transparent about the application approval requirements. 
Since the fact of my bankruptcy was known to Bank of America, I am questioning how it is legit to send me an invitation, if it is clear reject?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
On Friday XX/XX/2020 I deposited XXXX dollars into the US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX. I left the branch with my receipt showing the deposit and my current balance at the time. On Monday XX/XX/2020 I went to the same branch I had gone to on Friday to make a rent payment. I was told then that the rent payment of XXXX I was trying to make would overdraw my account. Knowing this wasn't right I checked my account and the branch had failed to credit my account with the deposit. They had no record of the transaction whatsoever. I produced the receipt showing that they had indeed taken the deposit. They admitted their mistake but didn't credit my account and still haven't. They are claiming it will take 5 business days for this to be cleared up. My account is still overdrawn and it catching penalties daily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Ive been working on improving my credit for months now, and I responded to an opportunity by a credit bureau to get a new card. It said that it would NOT have any effect on my credit, but it DROPPED XXXX points immediately and Im furious. Just yesterday, I was notified that it climbed by XXXX points. After this today, it dropped XXXX and I want to know why. If it can be reversed, Ill take it. Ive done without cards for 9 years, I can continue. I want good credit. I feel like Ive been screwed. Call me or e-mail me with explanations. 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 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Hi, I did contact this company to remove they pulled my report 3 times on the same day. This was also done after the initial report was pulled. I did contact them and they removed several of the other mistaken errors they caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Hi, I did contact this company to remove they pulled my report 3 times on the same day. This was also done after the initial report was pulled. I did contact them and they removed several of the other mistaken errors they caused.

Company response to consumer: Closed with explanation