vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc.
State: FL

Complaint narrative:
I am reaching back out as I have been unsuccessful with reaching the company. I have have called the number listed on my credit report and have been repeatedly told they do not have an account for me. My daughter 's attorney was able to send me a print out of her bill from XXXX Fire and Rescue and I am awaiting my print out from my attorney from my accident. I am not sure which ride this case is referencing but I am very upset and confused as to how I am being billed for a service that has previously been included in my accident as well as my two insurance companies. Also, the phone number needs to be corrected on my credit report so I can properly reach out. 

Previous Complaint I received notification that I am being changed for an ambulance ride while in an accident. I have reached out to the original creditor XXXX Fire & Rescue department as this balance is an error. I have not received any update to my request. I then received notice from Security Collection Agency ( SCA ) advising I owe for this debt. At the time of the accident, my family and I was ensured with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as secondary. However, due to this being an accident the charges were included in the accident settlement. I am asking that XXXX & SCA delete this account immediately from my credit report and their records as I am not liable for this debt. I am also following up with my attorney who represented me during this accident to see my next legal course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The {$100.00} transaction all 3 was denied on XX/XX/2020 by chase atm at XXXX XXXX XXXX XXXX ny. But my bank debit my account. I have receipts transaction denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: HI

Complaint narrative:
First I call TransUnion to dispute my Bk on my credit report. I call the courthouse and they tell told me they didnt verify with TransUnion ... Im requesting Method of their Verification.

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 2020-03-23 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have PNC Bank. Since XX/XX/2019, I have been compromised a multitude of times. I even opened up a brand new account with them. I still CONTINUE to be compromised. Their security is faulty and lacking, and I've lost THOUSANDS of dollars with PNC. They haven't done anything to better secure my account, they just keep doing the same thing over and over again, with the same result -- my account by compromised. Someone has been using the " card free ATM access '' to withdraw money, has been using XXXX and XXXX to transfer funds, and using it at various retail locations, including XXXX XXXX. I've been compromised so many times, I lost track. I can't even list every time I've been compromised because it's been THAT excessive. Recently, there's been over {$100.00} taken out of my account by XXXX " XXXX '' or whatever her XXXX   name is. I can provide records of the transactions I did not make starting with the new account back to XX/XX/2019 upon request. I would have to go through with my bank and go through which transactions I disputed ( there's too many to count!!! ). They haven't given me any credit to my account, resulting in me not being able to pay bills. Now with my fiance out of work due to COVID-19, it's even more critical I get this resolved. I want my hard-earned money back NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: CT

Complaint narrative:
I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Experian. Experian recently responded that the inquiries would have been removed ( The ones that was disputed ) As I stated before these were unauthorized. 

EXPERIAN BUSINESS CRED Inquiry Date : XX/XX/2020 This was removed and recently popped back up on my credit 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 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Received calls from this number on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. At which point after checking, confirmed it was Capital One. On XX/XX/XXXX at XXXX I asked them to please discontinue communications, also expressed to them It was Sunday they shouldn't be calling me on a Sunday. I acknowledged with them that I do have a payment to make however it's only been a few days, They state XX/XX/XXXX was the due date. I expressed to them that this is not the time to be calling people to pay when there is a pandemic and hours are being cut at work. I asked if I was in grace and asked to confirm when they report to the credit bureaus. I was told yes and that they report in 30 days, at which point I told them my priority at the moment is food and shelter and once I know what my situation with work is due world events, I can start paying again. Account is past due but not the point I should be harassed ( 7 days ). Agent was then told this is not business as usual and hope they can understand me requesting to cease communication and that I would try to pay what I can and hope it goes in as good faith payments. 

I received another call again on Monday XX/XX/20 at XXXX, I did not answer. 

CFPB should also do something about collection practices in general due to COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: LEXISNEXIS
State: MI

Complaint narrative:
My Complaint is Against All the Companies Listed Lexis Nexis,  XXXX, XXXX and XXXX  are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent LexisNexis, XXXX, XXXX  and XXXX  copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: CT

Complaint narrative:
The inquiries have been on my report for quite some time. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Equifax. 

XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Us Department Of Edu Inquiry from XX/XX/XXXX State

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Called USAA earlier today, XX/XX/XXXX, to explain that I had been laid off work due to COVID-19. I have an automated draft of {$350.00} that should post in two days and wanted to know what financial options were offered, because the funds are NOT currently available in my account. I was told that I do not qualify for anything because they need at least four days notice to stop automated drafts. I was also informed that if I do not pay amount due in 15days a late fee will be charged and if after 30 days that I would be reported to the credit bureau. The representative placed me on hold to consult with a higher official. Unfortunately, the results were the same. No postponement or waiver of late fees after the standard fifteen day grace period, EVEN WITH COVID-19 situation!!

I will never again sign for automated drafts with this institution!!! It turns into a curse!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is committing multiple violations under the Fair Credit Reporting Act. 

I am writing to request your help. They are reporting false and erroneous information to the credit bureaus. Please see some of the violations bellow : - Failing to investigate account - Failing to send late notice by mail as requires the California Credit Reporting Act.

- Negligence - Breach of contract Their wrong report is affecting me in a huge way. Its affecting not only my credit score, but also my psychological health. 

Please send the attached documents to US Bank. 

Thank you so much!

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 2020-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP
State: GA

Complaint narrative:
On XX/XX/XXXX, I was laid off from my XXXX XXXX position. While trying to look for work and applying for XXXX XXXX related positions, President Trump issued a government shutdown. I immediately contacted my mortgage company, now BOK Financial. I informed them of the impending issue and signed up for their payment plan. They informed me that they would not publish the payments as late and this was a matter that was not of my own doing.I was able to obtain new employment XX/XX/XXXX. Once my first check arrived in XXXX, I began paying as requested in my payment plan. My last outstanding payment was completed in XX/XX/XXXX. So why do I bring this to your attention now? I worked hard to fight and raised my credit score so that I could be in a better standing. Now, I am being told that I had to have maintained 12 months positive payment history without a single late notice to apply for a new VA home loan for my growing family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: CT

Complaint narrative:
I reviewed a recent copy of my credit report and noted several unauthorized inquiries. 

I have contacted the creditors noted below, and they stated that they have no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 61

1 ( 5 ) ( A ) ( i ), and that you promptly delete the following items from my credit report.

Inquiry details : XXXX/XXXXXXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX XXXX    XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance Dept Of Ed Inquiry from XX/XX/XXXX Government XXXX  XXXX  Inquiry from XX/XX/XXXX Misc. 

XXXX/XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX-sales  Inquiry from XX/XX/XXXX Oil Companies XXXX-sales  Inquiry from XX/XX/XXXX Oil Companies Universal Cr Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX XXXX Inquiry from XX/XX/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 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: One Source Technology
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WAS THE EMPLOYER REQUESTED BACKGROUND CHECK FROM ASURINT FOR JOB EMPLOYMENT XX/XX/XXXX BEFORE THEY A DECSION WAS MADE XXXX XXXX WAS THE PERSON THAT WAS ON THE PAPERWORK THAT ASK FOR MY BACKGROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 divorced my ex wife XX/XX/XXXX an in the divorce papers it says she needs to refinance the house loan and or modify it and I will be held financially harmless from the debt on the house. she modified the loan and the bank crossed out my name off the loan and she took more money out and extended the loan without my knowledge and without my signature. she assumed all the debt on the house with the loan holder XXXX. I have contacted XXXX about this and they wont give me any information and they are still reporting it on my credit when they shouldn't be. I filed a dispute with Equifax and XXXX reported to them its correct however they can not submit anything after the date when my name was crossed off because I have not signed ANY paperwork with them. the last paperwork done with XXXX is a modification and the modifications were taking my name off the loan and getting XXXX new money. and that money was given to my ex wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
This is a new card with Comenity bank. It is a card that is used at " XXXX  XXXX XXXX '' furniture store. The charged me a {$26.00} late fee on this account. My payment check was mailed on XX/XX/XXXX from XXXX, Indiana to XXXX XXXX, Texas. I used their envelope and payment stub. The due date was XX/XX/XXXX. I received statement today showing a late fee and I called their customer service. They were unwilling to help and would not refund the late fee. They claim they received my payment on XX/XX/2020. I asked to speak a manager. I spoke to someone new but I do not believe they were a manager. I was told it would not do any good to speak to anyone else. They would not refund the fee. This was my first payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit 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 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debtsy Holdings, Inc.
State: TX

Complaint narrative:
VARIOUS COMPANIES SENT NOTICE DEMAND FOR PAYMENT ON FRAUD ACCOUNTS/ NOT MY ACCOUNTS : " DEBTSY, XXXX , XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX XXXX , XXXX ''

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 non-monetary relief
Consumer complaint received 2020-03-23 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
To Whom it ma concern, i'am writing to file a formal complaint on a company called SN SERVICING CORP . They service my mortgage loan, i live in California and the governor order the closure of all non essential businesses so I had to shut my doors for the time being through these crisis and times of hardship. 

I called my asset manager to express what is going on and tell her and sent her proof of the documents from the county and state requiring my closure she stated she doesn't have any say it is up to the investor. I asked who is the investor she gave me a name of XXXX XXXX XXXX XXXX XXXX XXXX, WHAT CAN I DO I NEED HELP OR DIRECTION. 

In addition there is no sympathy to our situation from anyone in that company to work with us or explain anything to us all they say is its up to the investor and we do not know who that is. CAN SOMEONE HELP ... ... ..

Company response to consumer: Closed with explanation