vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, Suntrust Bank purchased my mortgage from XXXX XXXX. 

On XX/XX/XXXX I received multiple alerts from my credit monitoring services that I had received a hard inquiry on my credit report. This was performed on XXXX  XXXX  XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, IA XXXX ; XXXX ) on behalf of Suntrust Bank ( XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). 

On XX/XX/XXXX or XXXX I called Suntrust Bank ( XXXX ) to report what I believed to be a fraudulent pull of my credit report. Suntrust Bank mailed a letter dated XX/XX/XXXX indicating that they were investigating the report ; Suntrust Bank mailed another letter dated XX/XX/XXXX indicating that they researched my account and found nothing wrong. I also received a letter in the mail dated XX/XX/XXXX " Notice to Home Loan Applicant '' with Suntrust and XXXX  's contact information and my credit scores. 

I called Suntrust two times on XX/XX/XXXX. On the first call, Suntrust 's mortgage department told me that I would need to take this up directly with the credit bureau. I called XXXX  who told me I needed to request a " letter of deletion '' from Suntrust or my local police station. I called Suntrust again on XX/XX/XXXX and the individual I spoke with indicated that they did not have a record of pulling my credit in conjunction with my existing mortgage, but that I should talk to their loan application department to see if there was a loan application there. 

I then proceeded to call XXXX XXXX XXXX directly, and they told me that I'd have to request the letter of deletion from Suntrust, but that they were requested to pull the credit in conjunction with my existing mortgage with the " loan number '' aka my existing mortgage with Suntrust, the same loan number that Suntrust denied that any credit pulls were associated with. 

At this point, Suntrust is still refusing to admit that they performed a hard-inquiry on my credit report, despite it being reported on all three credit reporting sites and confirmed by their servicer, 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 2020-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
ive call all 3 credit bureaus they have sent me the papers to dispute the inquires ive called ive been on hold for 15 every time ive called my identity was stolen i have proof where they ( theHackers ) got even into my XXXX  looking to buy a car ( XXXX ) they ran my credit more then 50 times it looks like i need these inquiries off my credit report please help and 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 2020-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I sent an email to my lender Mr Cooper Mortgages about relief for people affected by the coronavirus pandemic. No return email has even been sent. On XXXX XXXX I sent 4 seperate messages regarding the same topic through their message center on the website. Only automated massages saying " a customer service rep will contact you shortly '' was sent. No one has every contacted me. 

On about XX/XX/XXXX I called to discussed the same issue. Rather than wait on hold, I opted to recieve a call back. No call was ever sent. 

On XX/XX/XXXX I called and filed a comlaint via customer service. I also was transfered to their diaster relief line. Again after about 1 hr on hold I agreed to recieve a call back. No call was ever made. 

I am on hold right now and it's been XXXX so far. This time I will not ask for a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: FL

Complaint narrative:
I noticed that I had a repossession years ago that still remained on my credit. According to law the maximum amount of time this account can remain on my credit report is seven years. So I sent a dispute on Experians website requesting a removal. Upon reviewing results I was XXXX off because I noticed that experian said the account will still remain. They never looked into my concern Im requesting help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian continues to avoid providing me with the information that I've requested from them in regards to their " investigation ''. I want to know the person 's name at Experian who verified the accounts, the documents that he/she used to verify, and their business phone number and address. It's my right to see this information. There's no way for me to know if they really verified this information without this information.

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 2020-03-25 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Per FTC sec 609 credit agencies are not validating my credit account they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got hold of my XXXX credit card and used it, when I first noticed it I called the company right away and they canceled my account and sent me a new card. And they still wants me to pay for something I didnt use

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX   XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX Bankruptcy Chapter XXXX- discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Today XX/XX/2020 I recieve a phone call from a XXXX XXXX representative ( see attachtment ), regarding my previous complain true the CFPB and stating that what they send me was a contract between my person and XXXX XXXX. 

I repeat once again : I am requesting original and direct signed contract between my person and XXXX XXXX XXXX  and signed agreement or contract between XXXX XXXX XXXX  and XXXX XXXX XXXX that shows for how much this account and all my Confidential Personal Information has been sold.

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 2020-03-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX  purchased my mortgage from XXXX XXXX. 

On XX/XX/XXXX I received multiple alerts from my credit monitoring services that I had received a hard inquiry on my credit report. This was performed on Equifax Mortgage Services ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, IA XXXX ; XXXX ) on behalf of XXXX XXXX  ( XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). 

On XX/XX/XXXX or XXXX I called XXXX XXXX ( XXXX ) to report what I believed to be a fraudulent pull of my credit report. XXXX XXXX  mailed a letter dated XX/XX/XXXX indicating that they were investigating the report ; XXXX XXXX  mailed another letter dated XX/XX/XXXX indicating that they researched my account and found nothing wrong. I also received a letter in the mail dated XX/XX/XXXX " Notice to Home Loan Applicant '' with XXXX and Equifax 's contact information and my credit scores. 

I called XXXX two times on XXXX. On the first call, XXXX 's mortgage department told me that I would need to take this up directly with the credit bureau. I called XXXX  who told me I needed to request a " letter of deletion '' from XXXX or my local police station. I called XXXX again on XXXX, and the individual I spoke with indicated that they did not have a record of pulling my credit in conjunction with my existing mortgage, but that I should talk to their loan application department to see if there was a loan application there. 

I then proceeded to call Equifax Mortgage Services directly, and they told me that I'd have to request the letter of deletion from XXXX, but that they were requested to pull the credit in conjunction with my existing mortgage with the " loan number '' aka my existing mortgage with XXXX, the same loan number that XXXX denied that any credit pulls were associated with. 

At this point, XXXX is still refusing to admit that they performed a hard-inquiry on my credit report, despite it being reported on all three credit reporting sites and confirmed by their servicer, Equifax Mortgage Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX   XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX Bankruptcy Chapter XXXX- discharged 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 2020-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX   XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX Bankruptcy Chapter XXXX- discharged 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 2020-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I am contacting you to dispute a collection account recently placed on my credit report by National Credit Adjusters in the amount of {$1500.00}. This account should not have been placed on my report by National Credit Adjusters because the Circuit Court of XXXX XXXX, Missouri judged in my favor and NCA agreed that debts held by them were to be canceled and that they were to cease and desist with all further collection activities. They have violated a court order by attempting to collect this debt and I would like this account to be removed from my credit report. 

Also this collection account just " appeared '' on my credit reports without any notification from NCA or XXXX XXXX, and I was given no opportunity to dispute this account prior to it being put on my credit reports. Also this debt was reported to each credit bureau by NCA 3 different times in a 5 week period. I have included the court order/judgement with this  correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
I had a XXXX mobile cell account that I discontinued and so called breached NOW over 7 years in AGE in XXXX ... ... .XXXX  sold this account to Enhanced Recovery Company of XXXX Florida when I found a Negative report on my XXXX credit report ... .. 
this account is Over 7 years from discontinuation For CAUSE XXXX This debt collector Enhanced Recovery Company Wrongfully reports and dates account XX/XX/XXXX and NOT exceeding the 7 year limitation of XXXX I called ENHANCED RECOVERY who purchased this Factored account from XXXX Cell Phone Company and refused to delete this over 7 year reporting on my XXXX  Credit Report ... ... .My relief and remedy prior to contacting your Agency or going to Florida Court against XXXX and XXXX  was for Enhanced Recovery to attest and remove the reporting of collections against me OVER 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have an account with paypal credit which is serviced and run by Snchrony bank. One of the services they offer is a 6 month no interest on purchases as long as they are paid off before they expire. 

There is a purchase on my account that as of XX/XX/XXXX was around {$1500.00} with accrued interest of {$200.00}. I sent the following payments to clear this charge and avoid the interest. 

1. {$1300.00} on XX/XX/XXXX. 
2. {$150.00} on XX/XX/XXXX. 
3. {$170.00} on XX/XX/XXXX. 
Total {$1600.00} This purchase still shows a balance of {$490.00} as of today. I contacted them back in XXXX and they told me the payments were incorrectly applied to other purchases and they would fix this. As of XXXX it is still not corrected. There are numerous unexplained miscellaneous adjustments that do not add up to a correction of the issue. 

Synchrony / PayPal Credit is now conveniently reporting that their customer support is unavailable either by email or phone due to the corona virus. While I understand this time is hard on everyone they are somehow able to still charge interest and collect payment but do not have the personnel to address issues they intentionally created. How is email support unavailable? This makes no sense and has nothing to do with social distancing. 

There are entire websites and forums devoted to exposing these practices. Unfortunately I did not discover them until I was part of 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 explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland employees called me on personal cell phone which is required for work during business hours repeatedly despite having requested this stop. I was called in excess of once a day by different people working for plaintiff and more than 3 times per week on multiple occasions. While I was disputing debt with Plaintiff out of court, plaintiff contacted my spouse despite his name appearing nowhere on the alleged debt. Predatory scare tactics were used to make him pay on the spot money he didnt have and required a loan from another family member causing strain on family relationships. He was threatened with worsened credit score and heavily implied repossession of personal property and jail time. I was in the hospital unable to work the time and could more be reached and the only reason XXXX made a payment is because of being scared in paying under false threats. We are now being sued but the company during a time of global financial crisis. It is unjust and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
With the Coronavirus synchrony bank said they were offering help. With the virus and customers struggling I needed to defer this months payment with. No interest to be charged when I called phone hung up on me over and over. Except for making a Payment advised to go online waited an hour they said couldnt help to call. There was no help given to my family. With chase bank I received help. I dont feel in these terrible times that interest should be charged at all by the banks. Secondly there was no one to talk to. Other banks more supportive.

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