vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: CITIBANK, N.A.
State: MA

Complaint narrative:
A Balance on the credit card which I paid off before the due date had accumilated interest fees on the account without my knowledge. I didnt use the card for months or log in online, then XXXX  notified me the bank had reported a late payment on my credit report. I then called costumer service and they removed the interest fee but told me Id have to contact Excutive about the late payment report. Ive wrote them over a month now and theyve never respond. I paid the balance off before the due date so there shouldnt be any interest or payments 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 monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN Credit Monitoring offered 3 different credit monitoring services ; I chose a Premium. Premium is {$24.00} a month. However, I have called 3 times last year 2019, in reference to multiple charges. I was told, it was resolved. They also advised that because of my Security Freeze on my credit, I had to request services via phone only. Now XX/XX/XXXX 2020 I have another charge of {$24.00} from Experian monthly plan. However, I was charged for this monthly plain 7 days ago on XX/XX/XXXX2020 ( XXXX ). I tried calling them, their website indicate their hours are from XXXX to XXXX. However, when you call a machine states the business hours dont start until XXXX. I have also emailed their support team & decided to leave my credit vulnerable, by cancelling the membership via website. My bank is currently on investigating this issue. However, because it agreed to a monthly fee with Experian, I was told by my bank that this gives them access to perform multiple charges as much as they want ; even though it is not agreed upon nor authorized. This is unfair. I cant be protected by them from suspicious activity because they are the ones committing the suspicious activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent TransUnion my written dispute letter on XX/XX/2020. The letter was sent certified with tracking in which it shows that they received it on XX/XX/2020 ( Tracking # : XXXX ). Today XX/XX/2020, it has been a total of 45 days without a response from them. I sent TransUnion another letter on XX/XX/2020, for the nonresponse. I don't know why it's taking them this long when XXXX  and XXXX  both responded back to me within the 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
Convergent Outsourcing is a debt collector reporting to the bureaus illegally. I requested proof of their claim for the alleged debt XX/XX/2020 via certified mail. They failed to provide proper validation. I also informed them they are illegally reporting under their own name on a Massachusetts consumer credit report in violation of 209 CMR 18.17 ( 11 ). They failed to remove their listing. 
I sent them a second notice XX/XX/2020 via certified mail. They again, failed to provide any proof of ownership of the account or any record of a contract showing my signature in accordance with the alleged debt. 
I sent them a third notice XX/XX/2020 via certified mail informing them I would report to the CFPB on their illegal activities. They ignored my notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  is AGAIN, following it's XXXX status quo history of continuing it's negligent business practice of systemic institutional racism. They have AGAIn for the 2nd time this year erroneously inaccurately report my account number XXXX 60 days late.I have NEVER paid my mortgage account 30, or more days late!!! 

In addition, all this despite the attached documented legal forbearance agreement that I was extended, and agreed too from the date of XX/XX/XXXX2020 to XX/XX/XXXX 2020 3 months still in existence, and XXXX XXXX   having sold the loan per the attached XX/XX/XXXX20 letter notification documentation to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX20, per Also, per the legal forbearance agreement it was/is CLEARLY stated that NO late payments, or late payment charges would be reported to the credit reporting agencies. Which is again, is evident of XXXX 's status quo systemic institutional XXXX business practice wrongly attempting to damage, and suppress my credit worthiness, and employment viability with the erroneous inaccurate late payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  is AGAIN, following it's XXXX status quo history of continuing it's negligent business practice of systemic institutional racism. They have AGAIn for the 2nd time this year erroneously inaccurately report my account number XXXX 60 days late.I have NEVER paid my mortgage account 30, or more days late!!! 

In addition, all this despite the attached documented legal forbearance agreement that I was extended, and agreed too from the date of XX/XX/XXXX2020 to XX/XX/XXXX2020 3 months still in existence, and XXXX XXXX   having sold the loan per the attached XX/XX/XXXX/20 letter notification documentation to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX20, per Also, per the legal forbearance agreement it was/is CLEARLY stated that NO late payments, or late payment charges would be reported to the credit reporting agencies. Which is again, is evident of XXXX 's status quo systemic institutional XXXX business practice wrongly attempting to damage, and suppress my credit worthiness, and employment viability with the erroneous inaccurate late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  is AGAIN, following it's racist status quo history of continuing it's negligent business practice of systemic institutional racism. They have AGAIn for the 2nd time this year erroneously inaccurately report my account number XXXX 60 days late.I have NEVER paid my mortgage account 30, or more days late!!! 

In addition, all this despite the attached documented legal forbearance agreement that I was extended, and agreed too from the date of XX/XX/XXXX to XX/XX/XXXX 3 months still in existence, and XXXX XXXX   having sold the loan per the attached XX/XX/XXXX letter notification documentation to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX, per Also, per the legal forbearance agreement it was/is CLEARLY stated that NO late payments, or late payment charges would be reported to the credit reporting agencies. Which is again, is evident of XXXX XXXX status quo systemic institutional racist business practice wrongly attempting to damage, and suppress my credit worthiness, and employment viability with the erroneous inaccurate late payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX saying I owe a bill of XXXX thats not even mine its at an address in XXXX Florida I live in XXXX Florida and have not had XXXX cable.i disputed this matter with XXXX and got no where I would like to get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In late XXXX/early XXXX I reached out to PNC regarding this issue. I explained that any application that requires me to link my PNC account would not work ( example : XXXX, XXXX, XXXX, XXXX XXXX, XXXX ). I obviously do not use all of these applications but tested it on all of them and they failed. Now if I hadnt already been able to link my account and start using them this would not be an issue BUT I am using XXXX and possible. These applications can affect my credit score. Every time I reach out to PNC they refuse to acknowledge the issue is on their end offering little to no help. No other bank has this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been trying to protect myself by accessing my credit report and Transunion keeps blocking this from happening. They block my credit monitoring from getting a new report and they block my every attempt through XXXX.All I wanted is to get this fixed. I wanted to know anything about my credit score and Transunion making it hard for me to get access to my credit report or credit score. 
Transunion has the wrong information on file and if this is not fixed then I will seek help from an attorney within 30 days. I attached the screenshot of the errors I encounter whenever I am trying to access my credit report. This has been going on for 3 months and I am frustrated. I want a new credit report mailed to me and I want this problem resolved right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: NC

Complaint narrative:
Dated attached is a letter from Loan care regarding the incorrect reporting to the credit agency 's stating an error on their part in reporting my mortgage late on all three credit reports. Technically they are stating that they should only have reported it late for the month of XX/XX/2019 BUT when I went online to pay the full payment the only payment I was allowed to make was the {$130.00} forbearance payment and NOT the full amount. So Loan Care has said that they would correct this with the credit reporting agency 's but as you will see it is NOT corrected on my XXXX  report and it is still be reported that I am 180 days late on this even though I have paid all forbearance payments correctly and on time. With COVID - this should NOT be reported and it has severely effected my credit. I am unable to even obtain different car and homeowners insurance because of it. My XXXX account went from being a XXXX limit to now {$250.00} because of it along with many of my other accounts all credit has been reduced. I am currently in a situation where they have put me in a trial period for a loan modification and that I have to make three payments in the trial to be approved for the loan modification. I went into the forebearance due to losing my job and having my social security stopped as well so I had not enough money to pay the mortgage. I really thought this was my only option as I searched for work which I know have secured. Please help in getting this corrected on my credit reports so that I can actually get car and homeowners insurance at a better deal then I am currently paying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: NY

Complaint narrative:
I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter but there was still no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I open this account 2 1/5 years ago. ACCOUNT # XXXX They request that I set up automatic payments as there terms, I agreed and provided then a blank voided check. This account was never late but according to there report it shows account was late because automatic payments was never set up properly. I called one main was told it would be corrected. I was told to write a letter to there credit department which I did and again was told it was going to be correct. It has been two years an they still have not corrected the error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I cant link outside account to my bank account. My account, my decision, not yours!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
AFTER CHECKING MY CREDIT REPORTS I DISCOEVERED THAT XXXX HAD REPORTED DEBTS OF SERVICE IN ANOTHER STATE WHERE I PREVIOUSLY LIVED. I CONTACTED THE SERVICE PROVIDER AND THEY INDICATED THAT THEY WERE COLLECTING A DEBT FROM FIVE YEARS AGO. DURING THE DISCUSSION THE XXXX REPRESENTATIVE STATED THAT THE COMPANY HAD NO OBLIGATION TO PROVIDE ME A FINAL BILL OR ANY INDICATION OF THE EXISTENCE OF THE DEBT PRIOR TO THE COLLECTION. THE COMPANY WAS INFORMED THAT SINCE XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT AND REQUIRED SUCH INFORMATION TO BE PROVIDED IN TIMELY MANNER TO AVOID THESES SITUATIONS. THE REPRESENTATIVE STATED IT WAS A " COURTESY '' FOR EVERSOURE TO PROVIDE NOTICES OF ALLEGED DEBTS AND WAS NOT OBLIGATED. 

EVERSOURCE VIOLATED FAIR CREDIT LAW INCLUDING THE FOLLOWING : Debt collector communications concerning identity theft. If a person acting as a debt collector ( as that term is defined in title VIII ) on behalf of a third party that is a creditor or other user of a consumer report is notified that any information relating to a debt that the person is attempting to collect may be fraudulent or may be  the result of identity theft, that person shall ( 1 )  notify the third party that the information may be fraudulent or may be the result of identity theft ; and ( 2 ) upon request of the consumer to whom the debt purportedly relates, provide to the consumer all information to which the consumer would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
in XXXX of XXXX i realized a fraud alert was placed on my consumer credit report. i have sent in a copy of my drivers license, social security card, and lease along with a copy of my birth certificate to the mailing address of equifax. i have sent these documents at least twice a month since and the alert is still on my report. i need this alert removed from my report so i can further repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: NY

Complaint narrative:
I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter but there was still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: OLD NATIONAL BANCORP
State: FL

Complaint narrative:
I have been a checking customer of this bank since the mid XXXX  '' s. I opened a savings account 2 or 3 years ago. when i opened this account i had asked that they ensure i would be able to make withdrawals via my atm card and that they send me deposit tickets. Last month when i was traveling I tried to make an ATM withdrawal and could not. Today when i tried to transfer {$500.00} from my checking account to may savings account there system kept tell me i had an invalid account number. You should note i was using the account number that they printed on my statement. please order them to correct both of these issues today and to also send me deposit tickets. when i call them they refuse to assist because i refuse to give my entire social security number out via an unsecured telephone line nor am i able to give my drivers lic out while i am driving.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 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: NY

Complaint narrative:
I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter but there was still no response.

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