vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 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: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
( USAA MASTER PLAN TO COLLECT CANCELLATIONS OF DEBT ) USAA OPENS ( 2 ) Two DELIQUENT ACCOUNTS** This MUST be in Violation of Fair Credit. See attatched Mastercard statement XX/XX/XXXX *bal {$100.00} & Visa end XXXX. XXXX {$470.00} ) attatched were opened by USAA I DID NOT AUTHORIZE OR APPLY BOTH OPENED XX/XX/XXXX. See attatched USAA 1099-C. Visa/MSTR DEBT Account XXXX CANCELLATION DEBT {$9.00}, XXXX Box 5 Borrower ( * WAS ) personally liable Box 1 Date of Event XX/XX/XXXX. USAA COLLECTS USING FRAUDULENT DELIQUENT ACCOUNTS THEY CREATED. SEE ATTATCHED XX/XX/XXXX USAA ( DID NOT SETTLE UNTIL XX/XX/XXXX ** claiming to be deliquent selling account for collection. AND THE NEXT MONTH TWO CARDS XX/XX/XXXX USAA OPENED ) They opened 2 creditcards of member they claimed HAD A PAST DELIQUENT ACCOUNT??? See attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM claim date XX/XX/XXXX {$470.00} ( UNAUTHORIZED TRANSACTIONS DID OCCURRED. ) see attatched XX/XX/XXXX CFPB RESPONSE. XXXX XXXX of USAA staff CONFIRMED USAA *HELD ME LIABLE FOR THESE UNAUTHORIZED TRANSACTIONS {$470.00}. See attatched USAA REVIEW OF CLAIM. XX/XX/XXXX. USAA DETERMINED *NO FRADULENT ACTIVITY TO GET THE {$9.00}, XXXX BACK BY OPENING TWO FRAUDULENT ACCOUNTS Using my private ID data from MC XXXX USSA DID NOT CLOSE ... .AND then MADE A PAYMENT FOR ID THEFT I DID NOT AUTHORIZE STEALING SOCIAL SECURITY XX/XX/XXXX TO COLLECT THIS IDENINITY THEFT case XXXX. USAA ARE THE CRIMINALS IN MY HUMBLE OPINION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to open a new bank account. 
The bank said I placed a freeze on my Experian account and all I needed to do was contact them to have it lifted. 
I called Experian. Their initial contact recording kept saying my s/s number is incorrect. I could proceed no further. 
I went to their website. It said I was not using the correct format for my address. To solve the problem I could delete my pin number to bypass the problem. I took out the pin entry, but still could not get past my address. 

This company needs to have real people answer the phone, or real people answer a chat to solve simple problems like this that should not have happened in the first place. They even control whether I open a bank account or not!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: GA

Complaint narrative:
There are multiple accounts that were discharged in my bankruptcy on XX/XX/2020 that are still reporting as late and charged off that need to be immediately and completely deleted from my credit file per applicable bankruptcy laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
During the XXXX financial crisis, I was unemployed for 6 months and this put me in debt. After getting a full time job, I applied for a loan modification with Navy Federal Credit Union ( NFCU ) and I was told by the rep that NFCU could not approve me because of my credit card debt. I told them I was working out payments with the creditors too, but the response was clear, if I didnt have those Credit card payments I will be approved the modification, so I told NFCU my house was more important and I stopped paying my credit cards and my temporarily loan modification was approved. Later, I got suit by my creditors and this pushed me into bankruptcy in XXXX. NFCU told my bankruptcy attorney that they will not do a reaffirmation agreement, but I continued to pay this loan for 2 more years, even though my debt to Navy Federal Credit Union ( NFCU ) was discharged in bankruptcy in XXXX. Because my property was underwater at the time of the bankruptcy, this junior lien should have been stripped from my property. This was the practice at that time, but for some reason the lien is still attached to my property. Because of this lien, I have not been able to take advantage of the low rates, like many Americans, and I have been forced to pay a high mortgage rate for my first mortgage. Now with Covid-19, Im facing financial hardship. My first mortgage has a high rate, but I can not refinance because of this junior lien from NFCU. I sent NFCU a letter this week asking them again to release the lien, so I can avoid the risk of loosing my home. I need your help to get them to release this lien. NFCU has charged off this debt already and I even paid them interest only on that loan for 2 years after the discharged but enough is enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX and XXXX multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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:
This is the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. 
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 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I have used the XXXX XXXX to help me get extra cash while I have been caring for my XXXX father, as well as having XXXX XXXX issues that have made me miss work. 

PNC Bank will not let me connect my account to the XXXX app, making it impossible for me to withdraw funds that I need to stay afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX from XXXX XXXX XXXX sent me an email on XX/XX/2020 at XXXX with a pdf file attached, which said my XX/XX/2020 payment was late. I responded the same day on XX/XX/2020 at XXXX to XXXX XXXX XXXX  and informed them I had already paid my mortgage to them in sum of XXXX via my XXXX XXXX . I have attached a copy of this correspondence. I also spoke to the assistant branch manager at the XXXX, MD XXXX for XXXX XXXX XXXX  on XX/XX/2020 regarding XXXX mortgage dept. not getting back to me regarding them reporting negatively on my credit, after I was told previously by the telephone representatives with XXXX XXXX XXXX  in XX/XX/2020 that they would allow me to send them information showing that my bank ( XXXX XXXX ) paid the wrong mortgage company. Attached is the correspondence from me to XXXX at XXXX XXXX XXXX. I was told by XXXX XXXX XXXX  that the mortgage dept wanted my cancelled check from my bank ( XXXX ) showing that I had paid my second mortgage company and XXXX XXXX XXXX  in XX/XX/2020, but that XXXX XXXX  sent both checks to XXXX  XXXX ( my second mortgage company ). XXXX XXXX  made both checks payable to XXXX  XXXX ( my 2nd mortgage company ), although I wrote in the memo of the check the loan-account number for XXXX XXXX XXXX. I found out later it was an error with their ( XXXX ) system which is why one check had a loan number for XXXX and one check had the loan number for my second mortgage company in the memo. On XX/XX/2020, XXXX XXXX XXXX  responded to my emails and said that the mortgage company for XXXX agreed to remove the negative reporting that my mortgage was late XXXX XXXX  since I could show that I paid them. I had filed a compliant with XXXX  on XX/XX/2020 because XXXX mortgage dept was taking too long to respond to me. However, the letter XXXX sent in response to my better business bureau and a previous CFPB complaint, said they were giving me back a late fee, but it did not say they were ALSO removing the information from my credit report as they previously agreed. XXXX XXXX XXXX   mortgage dept had previously said they would do so once I showed them I had in fact issued a check from my bank to them with the loan number to XXXX in the memo of the check and not to my second mortgage company. I am requesting that they remove the negative information from my credit report, as they previously agreed on XX/XX/2020. It was not my fault, I initially thought I did something wrong with XXXX but I did not, I did input the right information and loan number but my bank sent it to wrong company. I also attached the cancelled checks from XXXX XXXX  which supports the loan number in the memo was for XXXX in XX/XX/2020 and not my second mortgage company. I need XXXX to do what they said they would do, remove the negative report from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Hi, I am writing this complaint on ( XXXX  XXXX XXXX ). First they keep saying they didn't get my dispute letters in mail. Which is impossible cause i have tracking number and it says it was delivered. 

So National Credit System put a account on on XXXX XXXX report i found out about it in XXXX. Then In XXXX they put it on all the Credit Bureaus. I informed XXXX, XXXX  and XXXX  this was a fraudulent account. All three credit bureaus deleted the National Credit System off my report within 4 business. 

XXXX XXXX XXXX told me they have to contact National Credit System to delete this account and it will take 30 days. 

I am making this formal complaint because the FCRA 605B clearly states that the credit buraues has four business days to block this information my report. 

How can XXXX delete this off my report but the XXXX XXXX section wont delete this off my account. 

XXXX XXXX still falls under the FCRA and should follow the rules. 

FCRA clearly states : Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 


Attached is a police report and dispute letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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:
This is the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. 
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 2020-06-24 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:
This is the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Elite Recovery, LLC
State: TN

Complaint narrative:
I just received an email from a company I have no idea what they are talking about. 

FINAL NOTICE OF DEMAND Creditor : XXXX XXXX XXXX. 
Account Balance : {$1200.00} Docket File : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ( Unpaid Loan ) Payment Plan : {$30.00} ( Every Two Weeks ) Payment Mode : XXXX XXXX XXXX XXXX We refer to our above Invoice and previous requests for payment. We note that despite our requests our Invoice remains outstanding. Please note that you are now in defaulters list. 

Unless you now attend to payment in full or in payments strictly today, it is our policy to refer the matter to our XXXX XXXX XXXX XXXX & XXXX XXXX, for recovery without further notice. 

Please note that if such action is necessary you will also be liable for collection costs and interest pursuant to our Terms & Conditions of Trade in addition to the total outstanding balance. 

We understand that Invoices can sometimes be inadvertently overlooked or not prioritized. 

We trust that you will now give this matter appropriate attention and attend to set up payment arrangement today so that no further action will be necessary on our part to recover payment. 

We look forward to payment today. 

Please don't disregard this letter. This is our final attempt to reach you before we forward this matter to the Law Enforcement Department. 
Send us email at mailto : XXXX Settlement Amount : {$1200.00} Payment Plan : {$30.00} ( Twice A Month ) Payment Mode : Online Click here to send us email for Settlement Attorney XXXX XXXX ( Recovery Department ) Account Settlement | FDCPA | Elite Recovery XXXX   2020 CONFIDENTIAL : ATTORNEY-CLIENT PRIVILEGED ; ATTORNEY WORK PRODUCT : Emails and attachments received from us may be protected by the attorney-client privilege, as attorney work-product or based on other privileges or provisions of law. If you are not an intended recipient of this email, do not read, copy, use, forward or disclose the email or any of its attachments to others. Instead, immediately notify the sender by replying to this email and then delete it from your system. We strictly prohibit any unauthorized disclosure, copying, distribution or use of emails or attachments sent by us.,

Company response to consumer: Untimely response
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
Hi, We asked for a forbearance plan with Dovenmuele mortgage. We were given a letter to sign ( agreement ) with conditions. I had called to clarify as it seems they are discouraging forbearance in the conditions.I have other loans and the process was fairly simple and the interest was added on to the end of the loan. In the CASE OF DOVENMUELE in the agreement there are three options after the3 month forbearance : " after the plan expires the mortgagor ( s ) will need to either : 1 ) Bring the loan current 2 ) work with the lender to obtain another workout plan, or 3 ) pay the loan in full '' It is not stated as an option to the mortgagor but a requirement. Obviously we need forbearance so I think one is not bring the loan current or paying it off entirely at the end of the 3 month period. That leaves the option of working with a lender on a plan. What if their idea of plan doesn't work at all and my option per the agreement is to only prepay or come up wit the 3 payments? I called and asked to clarify the payment after the three months but they can not discuss that until after the 3 months. Why would any mortgager go into tht potential signed agreement blind. Are mortgage companies required to give forbearance. If so this is a way to discourage it. The terms of the forbearance have to be clear before anyone signs anything. Hence we are very uncomfortable that we could be putting ourselves in an even tighter position, depending on the blank agreement the mortgage company has provided itself. And we just plain are in a tight position having to make the payments at this time. Help? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX   XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX   XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}

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