vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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: NH

Complaint narrative:
This complaint is Against Experian for not following the fair credit reporting act and not reporting XXXX XXXX XXXX to the proper federal jurisdiction for breaking the law. 

Currently experian is wrongly allowing XXXX XXXX XXXX  to break the fair credit reporting act as creditors are required to update accounts/reports on a monthly basis. As of today XX/XX/2020 My report shows the XXXX  XXXX XXXX personal loan account, that I borrowed against myself, that it has not been updated since XX/XX/2020 and it still shows the account balance of {$9000.00}, when the account balance should be zero and reflect as all payments were made on time. This was paid off on or about XX/XX/2020. 

Experian knows this hasnt been updated and for the failure of Experian to not provide accurate reports suggests Experian knows theres problems with my social security number and accounts should automatically be updated through the computer credit data basis. All of this Evidence is pointing that my Experian credit are reports and or accounts are not tied with my social security number. 

Which means Experian is manually updating my reports when it should be an automatic computer interface within all banks and creditors. If this doesnt get resolved immediately then Experian is admitting to breaking the law with XXXX XXXX XXXX and other creditors in the past. Iv had to file atleast a dozen if not more complaints with just Experian in  the last two years, which proves there s a computer Interface problem with my social security number and credit information. 

My report is being manually updated and its identity theft. Should be automatic. Im not accepting the law being broken and the abuse from experian. I shouldnt have to file a dispute or complaint every month for basic reporting and to get a correctly updated report. And your stealing money for not giving me automatic accurate credit reporting.

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 2020-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I applied for a loan modification and was denied. I have never had a modification.Filled out all paperwork and wrote up statements about my financial situation. Im a XXXX XXXX vet I served in the XXXX XXXX and the XXXX XXXX. I have XXXX XXXX discharges.Very sad to treat someone this way.

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
Receivables Performance Management is reporting a collection account to XXXX & XXXX. I have disputed the information with these companies over 30 days ago and I have not received any correspondence from them. The account in question is below : Creditor : RECEIVABLES PERFORMANCE ( Original Creditor : XXXX ) Balance : XXXX Account : 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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  XXXX XXXX is reporting a collection account to Experian & XXXX. I have disputed the information with these companies over 30 days ago and I have not received any correspondence from them. The account in question is below : Creditor : XXXX XXXX  ( Original Creditor : XXXX ) Balance : XXXX Account : 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 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: KY

Complaint narrative:
As of XXXX. 2020, I am being asked to pay {$100.00} for a debt that I was completely unaware of, by companies that I did not know existed. The collector is named as AMSHER COLLECTION SERV and the original creditor is named as XXXX XXXX XXXX. I do not know of either companies and I don't know why they're asking me for money. I tried to reach them over the phone and could not get an answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am signed up for a XXXX XXXX saving app that I am unable to connect my PNC account to. In order for me to automatically save small increments of money daily I need to be able to link the two accounts and PNC has made it so that can not happen. I am thoroughly upset and I hope that they can resolve this problem so that I can re link my card and go back to saving my money the way I like to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: GA

Complaint narrative:
On equifax.com, there are 2 collections on my credit report, {$89.00} and {$200.00}. they are not showing on my other credit report from XXXX   and XXXX these 2 accounts were paid off and closed at least 60 days ago. I filed dispute online with Equifax many times, and I also called this 2 collection companies, the collection companies said they sent over my closed account statements to equifax at lease 3 times. but now these 2 collection still showing my reports, and equifax customer service phone couldn't answer my call and I can not dispute these 2 collection online with them. 
Please delete these 2 collections from my credit report. 
thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
Not sure who this company ( CONTRACT CALLERS ) that is trying to collect a Debt in the amount of {$960.00} that is not owed.

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 2020-08-11 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Good afternoon, I had a chance to review my credit report and noticed one missed/late payment for NISSAN MOTOR ACCEPTANCE in XX/XX/2017. I advised the company that this missed payment is an error due to an auto-bill issue. It is stated on my credit report that the bill was late, later than 30 days which is incorrect. Every payment before and after XX/XX/2017 has been paid on time. All payments on my credit report states 100 % on time payments. Nissan also didn't provide proof of the missed payment. The missed payment on my credit report is hindering me from obtaining credit and has to be resolved as soon as possible. I have had a great experience with the company and plan to acquire a loan again in the future, just wish this was handled better. 

Warmly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I've been disputing this debt with this company for over the past year and they keep verifying a debt that they haven't sent me proper proof of.A printout of a bill is not proper validation and until the company can provide proof of debt that I asked for they need to cease all collections and remove negative information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello There : My Credit card, was charged with two big electronic purchases on this pandemic era, purchases that I did not do. 
On my statement of XXXX appeared 2 transactions. One was on XXXX XX/XX/20 for {$4300.00} and other of {$3800.00} on Best Buy ; I called Citi XXXX Card to report the scam and they immediately cancelled my credit card and sent another one. Credit card issuer told me that they were going to make an investigation and put a dispute for these transactions and that I should wait until they find out what really happened and they reversed the charges. After XXXX weeks, they sent a letter stated that they found the transactions were made by me and they also sent a report generated by Best Buy with the record of both delivery transactions. One package was delivered to a XXXX XXXX XXXX Office and the other package was delivered by XXXX to my house, I called the bank and I told them that I never ordered neither received these merchandise and I never called XXXX neither XXXX to make any arrangement. 
According to Best Buy report, the thief used an email address and telephone numbers very similar to the ones I use. I asked to the credit card how is possible that the merchant do not request a signature delivery for this kind of purchases? They said that I -me- picked up one package in XXXX Office and the other was delivered to my house. I never did that nor received that. 
After XXXX weeks of back and forth calls, I contacted again to the Credit Card to see what happened with the investigation, they said that they are going to charge again the transactions to my monthly statement and I must pay for them ; they give me the option to open a new dispute, but after that dispute is closed, they never going to do anything else and they keep this amount on statement. Yesterday, XX/XX/XXXX I received my XXXX statement and they charged {$8100.00} again

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 2020-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I contacted Navient in regards to information that was reported to the credit bureaus regarding a series of late payments in XXXX. I advised the company that the accounts were made current and that I was placed into forbearance at that time and requested the errors be completed. They refused this request as they claimed that they believed the information to be accurate ( without a proper investigation ). This contact was made on XX/XX/XXXX. I then sent a formal letter of dispute via certified mail to the Navient Credit Department the following day on XX/XX/XXXX as per the conversation on the phone they would not let me speak directly to a representative and claimed they only took snail mail. 

To date I have not received return correspondence to this dispute letter. Today is XX/XX/XXXX. I have also sent dispute letters to the credit bureaus dates XX/XX/XXXX and am awaiting a response. This information has not been verified and is inaccurate and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
In trying to link my PNC bank accounts with XXXX  through XXXX, I get the message that PNC has made a change that prevents my accounts from being linked. This is preventing me from being able to invest through this account. I'd like the cfpb to work to fix this issue with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XX/XX/2020, I filed a dispute with Experian, XXXX  and XXXX   credit bureaus about the inaccurate reporting from XXXX and XXXX for reporting late payments inaccurately on my credit report and these items should be removed according to the FCRA act. in This time I have not yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these XXXX unverified accounts as of today. 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 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: IL

Complaint narrative:
Not sue when this company posted this account, but it is not mine and was posted by WORLD FINANCE CORPORATE IN THE AMOUNT OF {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid off my mortgage with Suntrust Bank. They were supposed to sent me the remaining Escrow amount of {$14000.00} via regular US postal mail. They told me that the check was sent in the email on XX/XX/2020, but no check was received by me. 

I requested to stop payment and reissue the check but they refused to do it before 30-day after the first mailing of the check. They didn't even want to put a stop payment to avoid possible fraud. They insist on sending the replacement check by same method i.e. regular US postal mail and can't guarantee the delivery or any fraudulent use of  the mailed check. They refused to direct deposit it in an account with Suntrust from which they were taking mortgage payments automatically and the payoff funds were wired to them.

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 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC.
State: NJ

Complaint narrative:
My husband has been unemployed since XXXX due to COVID-19. Our lender, Kondaur Capital Corp, gave us a 3 month forbearance. They are refusing to extend our forbearance even though my  husband is out of work due to the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Risecredit, LLC
State: GA

Complaint narrative:
During the past year, I have made repeated attempts to XXXX and the other reporting agencies, to report inaccurate balance reporting by Rise CREDIT LLC, where I have shown, that my account was up to {$3500.00} lower than you were reporting. However, you persisted to fraudulently report inaccurate balances, even when you were advised by the reporting agencies, that my balance was much less. Your actions were/are an on-going criminal-enterprise, with reckless disregard '' for my personal finances, happiness and peace of mind, where you continue to violate my rights, with malice aforethought, causing me hardship, stress, and financial cost, and legal hardships, with reckless disregard for my well-being and enjoyment of life. Please be aware, that I intend to pursue all legal remedied available to me, for this continued pain, distress, suffering, and mental anguish, caused by all parties, including, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: NY

Complaint narrative:
I have one account with XXXX in good standing and for some reason they have two more accounts under my name

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 2020-08-11 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I made a purchase of a hotel stay in XXXX for XXXX a total of {$10000.00} ( {$4800.00} on XXXX and {$6000.00} on XX/XX/20 ). I cancelled the reservation with them on XX/XX/XXXX agreeing to a {$2000.00}, cancellation fee. Subsequently, I got a notice from the vendor that they were not returning anyone 's money so i disputed the charges. The vendor acknowledged that I was owed $ {$2800.00} ( {$4800.00} payment less the cancellation fee ) for the other charge. 

However, the vendor initially denied my claim on the {$6000.00} saying it was cancelled due to XXXX government shutdown. Chase closed the claim without asking me on XX/XX/XXXX so i immediately appealed and sent them on XX/XX/XXXX the email showing the vendor agreed to cancel before the shutdown and as such, I am due my money. I have followed up with Chase many times since then each time being told I had a valid claim that they would fix and to call back in a few weeks if I didn't see the correction. On a few occasions, the supervisors indicated that they didn't know why the claim was incorrectly handled. 

On XX/XX/XXXX, they sent a request for additional information. I submitted it online on XX/XX/XXXX. On XX/XX/XXXX, they denied the claim and when I called they said it was because the charge was to old. I have tried everything in my power to get them to fix the situation but Chase has delayed and now wants me to suffer because of their mistakes. Please help me get my {$6000.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Allied Servicing Corporation
State: CT

Complaint narrative:
I am currently under a modification with Allied Servicing Co. I have attached a copy of the modification agreement, which I clearly signed under desperation in order to avoid being homeless. It is important to note that this agreement was only reach through forced foreclosure court proceedings as Allied Servicing refused to work with me initially.

Part of the agreement was for me to be able to refinance my 1st and 2nd mortgage prior to XX/XX/2020, which I was unable to do within the year due to my credit score. Then, Covid happened. The agreement states that unless I refinance before XX/XX/2020, I will have to pay the full amount owed ( approximately $ XXXXXXXX  ). I obviously do not have $ XXXX to pay out in a lump sum. 

I did not have any issues with my first mortgage company ( XXXX XXXX ) granting me a deferment for my mortgage payments nor with any of my other creditor. Once again, Allied Servicing is refusing to work with me and are demanding that I show proof of denial for refinance from three different lenders. As we all know, not all applications with mortgage lenders are subject to soft inquires, so I have had hits on my credit as a result of applying. 

This is not the first time Allied Servicing Co. has refused to work with me without forcing me into legal proceedings. Such legal proceedings have clearly added to my debt as they have unreasonably tagged on legal fees as well as other fees. I don't understand how forcing anyone into additional legal proceedings which lead to unreasonable fees is helpful to someone struggling with finances. 

I clearly do not have $ XXXX to pay off this second mortgage with Allied Servicing Co. by next month. I do not have any other means of income other than my employment. I am not asking for a deferment. I am simply asking for an extension of my modification for at least 6 more months so that I can refinance accordingly. My payments have been on time as per the agreement. 

I find the request of Allied Servicing Co. to be unreasonable and discriminatory, especially during this difficult time. Looking at my history with Allied Servicing Co., I believe their actions are due to the fact that I am am a woman of XX/XX/XXXX. 

I have attached relevant documentation for your review. Thank you for your attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation