vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 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 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. 

DPT ED/XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1700.00} XXXX  XXXX {$23000.00} DPT ED/XXXX XXXX {$45000.00} XXXX  XXXX {$520.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX {$180.00} XXXX  XXXX {$3200.00} XXXX XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: CA

Complaint narrative:
XXXX XXXX is incorrectly reporting a closed account in order to keep the item on my credit report. The credit bureaus have not done their due diligence in obtaining supporting account information to verify that what is being reported is correct and accurate. I have disputed this information with the credit bureaus numerous times, however they continue to report the account as opened in 2019. 

According to law, the information reported by collection agencies must coincide with information from the original creditor. XXXX XXXX is ignoring these requirements, in addition to harassing me by calling me numerous times per day and often several times per hour despite my requests for them to cease. The credit bureaus, Experian and XXXX, are continuing to report this incorrect information and after a dispute, I have been asked to provide documentation. Reporting agencies are required to provide information validating what they are reporting so they are required to provide accurate information and verify the information they are reporting. I would like a copy of the information including the actual date the account was opened and the actual date the account was closed with the original creditor. 

I would like this incorrect information removed from my credit report and I would like XXXX XXXX to cease the harassment.

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 2020-05-14 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. 

DPT ED/XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX {$1700.00} XXXX  XXXX {$23000.00} DPT ED/XXXX XXXX {$45000.00} XXXX  XXXX {$520.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX {$180.00} XXXX  XXXX {$3200.00} XXXX XXXX {$980.00}

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 2020-05-14 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. 

DPT ED/XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX {$1700.00} XXXX  XXXX {$23000.00} DPT ED/XXXX XXXX {$45000.00} XXXX  XXXX {$520.00} XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$130.00} XXXX  XXXX {$180.00} XXXX  XXXX {$3200.00} XXXX XXXX {$980.00}

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 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I loss my card and it was an unauthorized purchase on my card and my bank refused to reimburse me my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC is offering forbearance programs for mortgages, like most banks and lenders. However, the repayment options are not clearly outlined. I feel this is on purpose. PNC is luring customers in under the guise of " financial assistance '', and once they are in the program, they are told that a PNC rep will contact them to review options. These options range from paying the amount in full at the end of the term ( essentially 4 months of payments at once ) ... refinancing your mortgage to a higher amount ( even though customers are seeking help because they already cant afford the payments since the economy is shut down ) ... possibly moving the payments to the END of the mortgage ( which seems to be the industry standard ) although PNC refers to them as " delinquencies '' which makes me think it will adversely affect my credit ... or the last option, which is the most absurd " options that allow you to leave your home while avoiding foreclosure '' ( basically a short sale ). These options will not be discussed with customers until they are behind by 3 months of mortgage payments. This program is unclear and arbitrary. There will be thousands of families displaced by this. I was able to call and cancel my forbearance before it started ... although I know many who didn't. NO ONE at PNC that I have spoken with knows what is going on ... even though the first group of forbearance customers are at the end of their term now. PNC doesn't want any potential plan members to know the outcome of the group signed up in XXXX ... I'm sure it is bad for business. PNC should be ashamed of themselves. NOT offering forbearance would be better than the entrapment they are doing now. This will not end well for anyone other than PNC. Please stop them from signing people up. One rep told me that the customers she signed up were " willing to take their chances '' .... I sincerely hope it works in their favor and PNC doesn't end up with blood on their hands. The idea that you will be notified AT THE END OF A LOAN how you will be expected to pay it back, is simply unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
I spoke to Penny Mac loan services today regarding the CARES act. We are currently in forbearace due a covid19 hardship. We would like to place our forbearace amount into a balloon payment at the end of our loan as stated in the CARES act. Penny Mac is  denying us this option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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 first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$330.00} XXXX XXXX  XXXX {$1700.00} XXXX  XXXX {$19000.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used Chase Travel to book a flight for 4 persons XX/XX/XXXX XXXX, the airline cancelled the flights. I requested that chase refund me the $ or points I used to purchase the flight through Chase TraveXXXX. Per XXXX regulations airlines are required to offer refunds when a flight is cancelled. Chase refused to refund the money/points spent to purchase this flight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I co-signed a school loan for my niece. My niece consolidated her debts on XX/XX/2020. I received a call from Firstmark Services on XX/XX/2020 at XXXX, notifying me the loan was past due in the amount of {$210.00}. I notified the Firstmark representative that my niece had just consolidated her loans and they should be receiving a correspondence or payment soon from the company. I informed the representative that there was no need to make further calls with the information I provided. 

XX/XX/2020 at XXXX, I received another call from a Firstmark Services representative notifying me my niece loan was past due in the amount of {$210.00}. I informed her that I had already received a call and notified the previous caller that the loan payment was being taken care of by a debt consolidation company. I further informed her that I would consider any further phone calls to be harassment. The representative told me they were not harassing me and had the right to call me until the past due amount was paid. 

I did not answer the following calls. XX/XX/2020, at XXXX, XX/XX/2020, at XXXX and XX/XX/2020, at XXXX. I answered a call on XX/XX/2020, at XXXX, a Firstmark Services representative named XXXX. I asked XXXX if they would know if their company had received any correspondence from the consolidation company notifying XXXX that they would be making payments. XXXX stated they would most likely just make the payments. I asked XXXX if he could see the notes from the previous calls, that I requested the phone calls to stop or I would take legal action for harassment. XXXX said it was in the notes but as long a the account was past due they would continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I am in the process of purchasing a home and the lender pulled a mortgage report and unannounced to me was a XXXX XXXX XXXX collecting for Exeter finance. It seems like my entire life i have been having issues with my fathers info reporting on my credit report I called XXXX XXXX  who gave me the number to XXXXXXXX XXXX and they dont answer the phone. I then called Exeter who can locate an account of mine but i cant answer any verification questions including address because i never had an account with them i am stuck and dont know if this is id theft or a mistake. I do know it is keeping me from being able to purchase a home and am unsure if its even legal for them to report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX I deposited my bill money in netspend. They have blocked my card for third time this month. And now is refusing to unblock. All I am told is call this number and not once have I been called. I have called net spend over 15 times left 4 emails and over 10 voicemails to number they gave me. It's been over 2 days and now they just hang up on me. Netspend is not giving me my money back and isn't unblocking card. It's my money I deposited on there for my Bill 's. I have giving up and will just borrow some money till next oay day because my money is now gone

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 2020-05-14 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: CA

Complaint narrative:
I AM EXTREMELY UPSET ON THE RESPONSE I AM KEEP GETING FROM AN XXXX  AGENT. I HAVE SUBMITTED MY IDENTITY THEFT REORT, ON THE FEDERAL TRADE COMMISSION WEBSITE, AND THE AGENTS TELLS ME THE FORM IS NOT VALID. HOW COULD IT BE NOT VALID WHEN I ACTUALLY WENT ON THEIR AUTHORIZED WEBSITE AND COMPLETED MY IDENTITY THEFT REPORT. AS A CONSUMER MY COMPLAINT IS AGAINST THE FEDERAL TRADE COMMISSION REPORT PLEASE UPDATE YOUR WEBSITE AND PLEASE LET THE BUREAUS KNOW THAT YOUR FORM IS VALID SO WHEN I SUBMIT MY COMPLAINT IT WILL BE VALIDATED, AS IT IS I AM ALREADY FRUSTRATED ON THE FACT THAT I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ON MY CREDIT REORT ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT. THE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.

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 2020-05-14 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: CA

Complaint narrative:
I AM EXTREMELY UPSET ON THE RESPONSE I AM KEEP GETING FROM AN EXPERIAN AGENT. I HAVE SUBMITTED MY IDENTITY THEFT REORT, ON THE FEDERAL TRADE COMMISSION WEBSITE, AND THE AGENTS TELLS ME THE FORM IS NOT VALID. HOW COULD IT BE NOT VALID WHEN I ACTUALLY WENT ON THEIR AUTHORIZED WEBSITE AND COMPLETED MY IDENTITY THEFT REPORT. AS A CONSUMER MY COMPLAINT IS AGAINST THE FEDERAL TRADE COMMISSION REPORT PLEASE UPDATE YOUR WEBSITE AND PLEASE LET THE BUREAUS KNOW THAT YOUR FORM IS VALID SO WHEN I SUBMIT MY COMPLAINT IT WILL BE VALIDATED, AS IT IS I AM ALREADY FRUSTRATED ON THE FACT THAT I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ON MY CREDIT REORT ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT. THE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.

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 2020-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-05-14 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: SC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-05-14 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 first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$330.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$340.00}

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 2020-05-14 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 first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$330.00} XXXX XXXX XXXX {$1700.00} XXXX   XXXX {$19000.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX {$340.00}

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 2020-05-14 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 first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXXXXXX {$1500.00} BANKRUPTCY CHAPTER  XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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 first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-14 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 first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
In XXXX of 2020, I requested a forbearance on my home loan with FreedomMortgage under the CARES Act. After an initial delay in action on the part of FreedomMortgage,  which compelled me to file a complaint with the CFPB, a 180-day forbearance was granted and my XXXX mortgage payment was agreed deferred under the CARES Act.  In early XXXX 2020, I phoned FreedomMortgage to cancel the forbearance and issued full payment by bank ACH on the deferred XXXX payment. On XXXX XXXX 2020, I received notice from the XXXX  credit bureau that FreedomMortgage had reported my XXXX payment past due ( in violation of the CARES Act ) and this resulted in a reduction of 93 points on my FICO score and difficulties refinancing my loan through another lender on the same terms and conditions as originally quoted.

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