vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried numerous attempts trying to resolve this with an Equifax manager and two different representatives. What they ended up doing is removing my maiden name used for my credit file when I specifically asked them not to. I never gave consent for this and when I tried calling the manager he said that it can't be undone. Imagine that! A mistake they made It can't be undone.I had originally asked them to remove a name on my credit file that was never me XXXX XXXX they did that and removed everything beyond my current legal name.also XXXX  XXXX or my mortgage lender can not pull up my credit score from Equifax because they are getting an error code XXXX. When I brought this up to their attention they said there's no blocks and nothing preventing anyone from pulling my credit from Equifax.why is it then that neither XXXX  XXXX or my mortgage lender can not pull credit? This company is nothing but incompetent and a disappointment.I find it hard to believe that the government even allows this company to continue existing especially after all the breaches they've had.Never have I experienced such an incompetent group of people who have no solutions or no resolutions to even begin to look into what I'm requesting them to fix. I spoke to them last Friday XX/XX/XXXX and a couple of times before in the same week.I want my previous maiden name restored back on my records and I also want the ability to have creditors or mortgage lenders pool my credit score for confirmation as I'm trying to obtain the mortgage loan. Their lack of resolution and customer service is unacceptable. To top it off I can't even create an account because it says that I don't exist. Whatever it is they did to mess up my credit file they need to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
On XX/XX/20, I received a statement amount of {$130.00} from collection agency XXXX XXXX. This bill was generated from XXXX XXXX  which contains the {$40.00} amount for XXXX XXXX as well. I made the settlement payment of {$100.00} on XX/XX/2020 with XXXX  XXXX. I thought this matter was resolved until XXXX sent a " final bill '' of {$40.00} to a third party collection Agency entitled Sequim Asset Solutions in XX/XX/2020. I already paid this final bill and XXXX  XXXX can validate this payment. I am requesting that XXXX follow-up with the collection agency and cease attempting to retain this alleged {$40.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
I went to inquire about a car I have been renting and their buying options. I was informed that my credit score was below 500, which sounds odd because it was closer to 600 the last time I checked. I checked my credit to discover that the department of Education and Navient have been making reports to my credit which has taken my credit down by 100 points and more! One report from Navient took my credit score down 91 points in a single day! I have not had any communication with Navient to discuss repayment options even after the last disputes, which they were supposed to organize! I have no new loans with Navient yet they are continuously reporting missed payments to the credit bureaus almost weekly! In the duration of the covid-19 shut down and the CARES ACT ; the department of education has consistently made numerous reports to the credit bureaus, but when I contacted them to speak with someone who could help me set up a payment arrangement they continuously gather information, are condescending, not helpful, and try to get me to contact 3rd party collection agencies instead of dealing with me directly while Im on the phone. I do not wish to deal with 3rd party collection agencies when theyre the ones the original debt came from and theyre the ones who consistently make reports to the credit bureaus. This is unlawful practices! Theyre controlling my life and not giving me the opportunity to pay off debt. They make it impossible to set up arrangements and to re-establish my credit and it feels debilitating and hopeless. 
Navient keeps changing the dates of the supposed debt I have with them. I need to have all charges investigated and disputed from the department of education and from Navient, because something is not right and I HAVE to have good credit! Ive been working on my credit since last fall and I paid off some things. However, the level of student loan activity is absolutely absurd especially since I havent been in school for about 10 years. The debt from these 2 companies are mostly 8-10 years old and should not be bringing my credit score down so low! My credit score went from XXXX, which isnt that great to XXXX in less than 30 days and when I call these people Im SICK AND TIRED of dealing with their snarky nasty attitudes and their games! I would like to start an investigation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: OH

Complaint narrative:
XXXX  XXXX bank filed a late payment on my credit report due to missing a payment. I had paid every month and paid the amount due on the website where you need to pay. Then they told us we missed a month and hit my credit score for 75 points. This is the only late payment I've had. I called with them and they reported I still had a balance, which I then paid. But the website still showed as owing XXXX  dollars. I disputed the information due to their website not giving a correct total due, but was told that because they see a balance, I couldn't get anything done. So, I disputed it with all 3 major credit reporting agencies, and lost at experian with an additional late payment showing. Once again, checking the balance due at the only place to pay, shows only the normal amount due. Which I just now paid. I need these taken off my credit report ASAP because of an issue technically that has nothing to do with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
Hello I tried several times to clear up this debt. I called many times to the credit bureau and I keep getting a runaround, I reached the collection agency and they refused to remove this from my credit report, This should be illegal I am not responsible for this debt. The company sent a letter stating I'm not responsible. 
I have a court order that my ex is responsible for the debt. 

Please see the letter and court order. This collection agency is crook, they have several bad ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello. I currently bank pnc bank. I have issues constantly when I try to link my account to a third party such as cash app or XXXX who both use plaid. Every time I think I have it corrected pnc does something to interrupt the connection. I understand that the security aspect. But this is my bank account and I would like to use it how I want to use it. Its extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from 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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from 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 2020-07-10 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:
I have tried to connect my XXXX wallet to my PNC bank account so that i can fund that wallet and purchase various digital currency, but i am not able to do so. I contacted the bank, but they can not help me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
My problem is not with my current mortgage company ( XXXX  : NMLS # XXXX ). My issue is with the original loan company ( Loancare MLS # XXXX ). 

Apparently my loan was sold at the beginning of the year. This happened without my knowledge as the documentation sent to me made it sound as though the mortgage was being transferred to different departments withing the same company. As such I continued to submit my payments ; via bill pay, to the same organization. 

It was not until my new company ( XXXX  : NMLS # XXXX ) threatened me with foreclosure that I realized my payments were not going to the right place. I immediately contacted my original loan ( Loancare MLS # XXXX ) company and reported the missing {$7600.00}, and opened a case to have those funds either returned to me or forwarded to my new loan company. 

The original mortgage company ( Loancare MLS # XXXX ), refunded {$3700.00}, but then closed my case with a remaining missing amount of {$3900.00}. When contacted they tried to say the refunded everything. I provided them bank statements as well as statements from my current mortgage company ( XXXX  : NMLS # XXXX ) proving the original mortgage company ( Loancare MLS # XXXX ) had not forwarded the funds to the new mortgage company. 

To date they are refusing to account for the remaining XXXX, and continually close the case when I reopen it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Receiving tons of robo calls from IC Systems regarding a debt that does not belong to me. Please follow-up with police report # XXXX. 

When I asked these people to stop calling they refuse to do so and persist to call on a variety of different numbers throughout the day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
i was sent a us bank reliacard in the mail. i have no idea why, as i am not on any govt benefits or unemployment. i suspect it is fraud. i called us bank fraud dept, and was told that they could not help me and my call was forwarded to a number that tried to get me to put in my social security number to activate the card. there is nothing on their menu for fraud. after sitting on the call on hold for over an hour, it was disconnected for no reason. called back in, and same thing happened again. around an hour on hold and then disconnected for no reason. so not only has someone potentially committed fraud in my name, the horrible customer service of the bank has no willingness to look into the matter. i have lost now 3 hours of my work day trying to deal with this mess.

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 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I paid my own insurance on my home it was XXXX with an escrow account then they sold my account to shell point mortgage servicing. I paid twice for the same insurance policy. I talk to a man at shellpoint mortgage servicing in escrow account dept. I email a copy of my paid insurance policy of $ XXXX I send my house payments they take out for the escrow of {$36.00} & my policy is paid up. I didnt get nothing from XXXX  telling me they had sold my account to shellpoint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I was scammed by a person who offered to rent me a house in PA after my posting on FB, and after I transferred money on XXXX, the person disappeared. They sent me an invoice for my payment, but never provided me with the exact address for the place and ceased all the communications with me. I paid {$1000.00} and have a proof of the payment and that person never provided the location of the property. 
I contacted TD bank to get the money back since they have the transaction recorded, but they did not help. Trace number of the transaction is XXXX from TD bank to the XXXX XXXX. 
If TD bank has XXXX XXXX, there needs to be a consumer protection in place. I only did the transaction knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: OH

Complaint narrative:
First, I would like to complain that Equifax is hindering my ability to dispute XXXX XXXX XXXX account online because Equifax has continuously placed the account in " reinvestigation '' status when the account is not in investigation to hinder my ability to request an investigation online ( see attached ). Second, on XX/XX/2020, I sent Equifax a dispute letter ( attached ) to request them to remove a fraudulent account from my credit file in accordance to section 605B of the Fair Credit Reporting Act. On XX/XX/2020, I received Equifax 's dispute results and Equifax states the account was verified and the account belong to me ( attached ). In addition, Equifax reports that the account is open on my credit file when the account is closed to due fraud. XX/XX/2020, I received notification from XXXX XXXX that the account is closed and that they have not reported or furnished any information to Equifax since the account was closed. 

Equifax refused to report accurate information that the account is closed and also refused to block the fraudulent information and update my credit file within four business days of receipt of this letter according to the Fair Credit Reporting Act ( FCPA ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. This issue has affected my ability to obtain credit and I would like to attempt resolve this issue immediately before filing a lawsuit against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC will not allow you to connect with nearly any service such as XXXX or XXXX. By not having this accessibility, we are limited in using our accounts as we see fit. I am likely switching banks due to this because it has become more problematic over the years but the CFPB and customers should be aware of this issue since they do not tell you that your bank has limited accessibility at anytime. We've never even received warning about any of this.

Company response to consumer: Closed with explanation