vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
I fell behind on my mortgage because my mother was living with me and contributing {$2500.00} into the household income and she passed away. I then applied for a loan modification and was denied. My income between my pension and social security income is {$4300.00} monthly and my unpaid balance on my home is {$240000.00}. With the low interest rates I did not understand how they sent me a denial stating that my income was insufficient. I was also denied due to my hardship not qualifying. I called my lender and asked for more information including the value used and how the value was derived. I was told to contact my lenders counsel. I did and was unable to get a copy of the valuation, I began requesting this information in XXXX and it is now XXXX. I also asked for the net present value used in the modification underwriting. I was told that it would be sent to me and never was, they just continue to send the denial missing the information I am requesting. It has been 6 months and they will not share the documents. Also, I am in a XXXX and over community and had to leave for almost a month when the quarantine began, I also had to pause my home based business. Homebridge Financial is refusing to  give me the forbearance under the CARES act stating the firms procedure, however I was under the impression that everyone who had a hardship qualified. I thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I use PNC for my personal finances and XXXX for my business banking. Unfortunately PNC will not allow the linking of my two accounts, so anytime I need to pay myself I am unable to do so electronically. This is a huge inconvenience and appears to be unnecessary considering the security protocols in place to enable account connection between the two banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an account with XXXX/XXXX XXXX XXXX  that the date of first delinquency was in XXXX of XXXX. No payment was made on the account from the date of charge-off until XX/XX/XXXX when the account was settled after the charge-off. Paying off the account should not have affected my date of first delinquency. When the account hadn't fallen off after the 7 year reporting period, I submitted an online dispute ( in XXXX of XXXX ) to have the account removed from all three credit bureaus. XXXX   and XXXX both removed the account from my credit report, but Experian updated the account with new information changing the date of first delinquency to XX/XX/XXXX when the account was paid off, resulting in the negative account staying on my credit report until XXXX, meaning that this negative account will be on my credit reports for 10 years.

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a card info in my credit report XXXX XXXX, which I don't recognize as mine. Appears a balance in my credit report shown as closed as a bad debt. There is no history of transactions reported and when i tried to contact the company to find out what was that they simple don't have an answer. I requested proof of purchase of something in the name of that card and received nothing.

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a card info in my credit report XXXX XXXX, which I don't recognize as mine. Appears a balance in my credit report shown as closed as a bad debt. There is no history of transactions reported and when i tried to contact the company to find out what was that they simple don't have an answer. I requested proof of purchase of something in the name of that card and received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had an account with American Express cards since XXXX of last year. Then i had some purchases that i tried to dispute with the company as I do not recognize as mine. I spent months trying to receive dispute and asked proof of purchase from charges I did not recognize as mine, but never got the requested info so especially after the Pandemic and all the financial hardship I have been facing i decided to stop paying for something i do not recognize as mine. Instead of sending me the requested proof of purchase they simple referred my account for a debt collection agency which started to bother me even during weekends, early morning and late afternoon with no respect for my privacy and regular hours and reasonable ways of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Hello, My mortgage loan is with Flagstar Bank. In XX/XX/2020 they offered payment relief due to Covid-19. I was out of a job because of the pandemic so I applied for it and was approved for 6 months forbearance, my next mortgage payment would be due on XX/XX/2020. I few days ago on XX/XX/2020 I received a letter from flagstaff saying that I am in delinquent status and owe over {$8000.00}. I also was notified that my credit score had gone down due to this. When I originally applied for forbearance flagstar told me that not only is my payment not due until XXXX, this wont be reported to credit bureaus. Everything they told me was a lie.

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 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Called on XX/XX/2020 to see why my XXXX deposit was placed on a 5 business day hold. This was money from my in-laws that have plenty of it. Why am I being treated like a criminal and not given access to my money on XX/XX/2020. Dispite telling them this i can't get approved to use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
They are reporting a collection account on my Equifax credit report for XXXX XXXX XXXX in the amount of {$220.00}. This is not my account and is id theft. This collection account was already removed from my XXXX credit report. I have disputed this item several times with the credit bureau and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On several occasions I have submitted documentation including FTC identity theft form, police report and written dispute in reference to a fraudulent XXXX XXXX account reporting on my credit file. Every dispute has resulted in XXXX and Equifax responding the account was verified. However, on XX/XX/2020, I submitted a complaint to XXXX XXXX in reference to the fraudulent account and attached the same documents I have previously submitted to both bureaus above. XXXX responded that my dispute was the first time they were notified this was a fraudulent account. How could this be????? I have submitted the same documents to the bureaus above and they claim, the account was verified?! This is ridiculous that XXXX  and Equifax and blatantly not investigating fraudulent accounts and further intensifying the effects of identity theft on consumers! Now, I have to wait another 90 days for XXXX to investigate before they will be able to dismiss this debt as fraudulent. As of now, this fraudulent account is continuing to cause undue damage my credit profile as a result of the above credit bureaus not verifying, validating and accurately disputing this debt with the creditor! I am in the process of filing formal complaints with the XXXX XXXX XXXX, CEO 's of both bureaus and Attorney General as well until this erroneous deed is rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX/XXXX is reporting an erroneous late on my credit file for XX/XX/2020. I made this payment on time, and I should not be reporting any lates. I am requesting that XXXX fixes this issue as it is affecting my credit file.

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 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent TransUnion a total of ( 5 ) written requests over the past year and a half to validate a Chapter XXXX Bankruptcy displaying under my credit file. The credit bureau responds to my requests with the same messages repeatedly by stating that the investigation was verified and reports accurately as to how it reflects with the US Federal Bankruptcy Court. Transunion does not send supporting documentation ( method of validation used - who validated and their contact information ). A general statement as a response to my inquiry does not validate such request. How was this vallidated? The US Bankruptcy Court does not validate with 3rd parties. 

1 ) TransUnion responded that the completed investigation was verified by the data furnisher 'USBK Court XXXX Florida ' and that they will NOT continue to re-investigate such requests from me. 2 ) I took it upon myself to send a letter to the USBK Court XXXX Florida and asked how such procedure information is validated with Credit Bureaus. The USBK Court House sent me a returned letter explaining that they DO NOT validate information with 3rd parties and have no jurisdiction over reporting agencies. TransUnion sends me the same automated / generic letter in response to my request to validate a Chapter XXXX BK. They continuously claim they will not re-investigate. How could they have claimed to validate such information with the USBK Court House when intern the USBK Court House does not validate such requests with reporting agencies. 

In reality, TransUnion never investigated such and completely ignored my repeated requests by sending out a generic letter saying it was verified by the Court House. I am attaching the letter sent to me from the USBK explaining how they do not validate information with 3rd parties such as Credit Reporting agencies. I am also including the letter sent to me from TransUnion.

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 2020-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/29 in the amount {$200.00}, I made a final settlement payment on a charge off capital one account acct # XXXX to XXXX XXXX XXXX XXXX. Since that time Capital One has continued to report me negatively to all 3 credit bureaus resulting in a fico score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the XXXX XXXX & Capital One receipt to the 3 bureaus to update the correct balance owed or marking as settled i was updated with 2 more months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting collect a debt not owed after the account was cancelled. Credit bureaus failed to verify and provide proof debt was valid. Sent letters to credit bureaus in 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 non-monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc.
State: MN

Complaint narrative:
Opened - XXXX XXXX Creditor Name - University XXXX XXXX   Remarks- Placed for collection Amount - {$240.00} I received a derogatory remark on my credit which is when i realized i have debt collection from 2 years back. I was not aware of the debt ( since it was not communicated, there was an address change and i did not receive any information ). I am willing it pay it off in full right now but wondering if i ca negotiate the settlement by removing my impact on credit score since i was unaware and it was not my mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have talked to XXXX, XXXX, and Experian and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. 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 2020-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: TN

Complaint narrative:
Collection company ANFI is trying to collect a debt of {$630.00}. XXXX is the alleged original creditor. XXXX was PAID IN FULL ... .. somehow ANFI is trying to collect a debt that is not owed. I sent ANFI a letter and did not get a response and this item is reporting on my credit report. Please remove/ delete this item from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon filed ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was impacted severely by the current pandemic, suffering severe medical issues and unable to make payments until now. I called in, requesting a payment plan to make the loan current and catch it up and even pay it off. I requested this under the CARES ACT which should have spared my credit report from being negatively impacted as well. USAA refused to allow me to bring the loan current and correct the negative reporting on my credit reports, refused to make any accommodations and requested I go online to file a credit dispute. However, my USAA online account was restricted by USAA previously and I've been unable to log on to make payents, see my account number, amount due or really do anything with the loan. I've always been required to call in to make payments during their business hours, which due to my health issues I've been unable to do. Now they are telling me, there's nothing they can do the loan is charged off and there's nothing I can do to protect my credit and make it current in accordance with the CARES ACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX/XXXX is reporting an erroneous late on my credit file for XX/XX/2020. I made this payment on time, and I should not be reporting any lates. I am requesting that XXXX fixes this issue as it is affecting my credit file.

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Syncb/Lowes is reporting an erroneous late on my credit file for XX/XX/2020. I made this payment on time, and I should not be reporting any lates. I am requesting that Lowes fixes this issue as it is affecting my credit file.

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