vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The motorcycle was stolen shortly after it was purchased. I had full coverage and the insurance covered all costs associated with the theft of the motorcycle. There is no outstanding balance to report and consequently there is nothing to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The motorcycle was stolen shortly after it was purchased. I had full coverage and the insurance covered all costs associated with the theft of the motorcycle. There is no outstanding balance to report and consequently there is nothing to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
TO WHOM IT MAY CONCERN, A FEW WEEKS AGO I CAME TO CFPB THERE WAS AN INQUIRY I NOTICED WAS NOT MINE FOR A NEW TRADELINE MADE ON XX/XX/XXXX. I DID NOT AUTHORIZE OR APPROVE OF ANY NEW TRADELINE. THEY HAVE BEEN CALLING MEEVERY MORNING XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ABOUT FRAUD ON ACCOUNT. FROM SPEAKING THEM I THINK THEY ARE CONFUSED ABOUT SITUATION WITH PASSED ACCOUNTS THAT I HAVE HAD WITH THEM OR CURRENTLY HAVE. I LIKE CITI THEY ARE GOOD PEOPLE. I JUST FEEL THERE NOT UNDERSTANDING. THE ONLY THING I AM DISPUTING IS A HARD INQUIRY PULL FOR A NEW TRADELINE MADE ON XX/XX/XXXX. I DID " NOT '' APPLY FOR ANY NEW CITI CREDIT CARD, BANKING CARD, CHECKING ACCOUNT, SAVINGS ACCOUNT OR ANY OTHER TYPE OF ACCOUNTS CITI MIGHT OFFER ON THAT DATE WHICH WOULD RESULT IN ANY HARD PULL. ALL I AM ASKING IS FOR THIS HARD PULL ON XX/XX/XXXX TO BE REMOVED FROM MY FILE. AS OF XX/XX/XXXX WHEN I SPOKE TO THE REP THEY DISCUSSED PAST CARDS AND OTHER CARDS I HAVE WITH THEM BUT HAD AGREED TO REMOVE THE HARD PULL ON XX/XX/XXXX. AS OF TODAY AFTER SPEAKING TO THERE FRAUD DEPARTMENT THEY TOLD ME TO CALL XXXX WHICH TOLD ME TO CONTACT CFPC. I HAD CAME TO CFPC WHEN ALL THIS STARTED ON MY CREDIT REPORT WHEN I LOOKED AT MY XXXX   XXXX. SO I FEEL THIS WENT AROUND IN A FULL CIRCLE. ALL I AM ASKING FOR IS THIS HARD INQUIRY WHICH NOBODY HAS ANY IDEA WHAT IT IS AND CAN NOT BE VERIFIED. I WOULD JUST LIKE OFF MY HARD HARD INQUIRES LIST.I WILL ATTACH A PHOTO OF WHAT THE CREDIT COMPANIES ARE SAYING. ANY HELP WITH THIS GREATLY APPRECIATED

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis
State: LA

Complaint narrative:
After requesting my credit report from Innovis in XXXX, I was shocked to find two files that were not mine. I immediately disputed with them. They said that the accounts were verified and so I contacted the creditor 's in question who both said they were reported in error and should be removed. However to date Innovis has maintained the erroneous reporting of these accounts. The two accounts in question are a XXXX account and a XXXX account. Please see the attached certified copies of the letters I received from the companies and my most recent Innovis credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
on the XX/XX/XXXX l pull my credit report and realized Midland Funding has report an amount of {$3900.00} in collection which l have not had any notice of, and also the credit report states original Creditor : Not Available. As result filed for dispute to all three credit Bureaus on the XX/XX/XXXX to investigate it and requested for validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws, also requested for " validation '' that is competent evidence bearing my signature, showing that l have ( or ever had ) some contractual obligation to pay them ( Midland Funding ) .l also wrote requesting Validation from Midland Fund which is dated XX/XX/XXXX since the tree Bureaus couldn't provide me with e validation with my original signature. Midland funding on the XX/XX/XXXX sent me Writ of Summons for trial dated XX/XX/XXXX. As at the time and date filing this complaint either the three bureaus or Midland Funding have provided the Validation with my signature or any contractual obligation to Pay Midland Funding and still have not deleted it from my credit report. The court has reschedule the trail date to XX/XX/XXXX at XXXX XXXX XXXX, XXXX, MD XXXX. l have received a letter from Midland Funding dated XX/XX/XXXX saying they now waiting for additional documents from the Original creditor to conclude their investigation and it may take up to 90 days from the day they received my dispute, meanwhile Midland Funding has issue me with WRIT OF SUMMONS and the trail is XX/XX/XXXX. THE CASE # XXXX Date filed:XX/XX/XXXX Issue Date:XX/XX/XXXXserved Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days past due on the MODPED partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 2 accounts on my Equifax that show balances one with XXXX XXXX XXXX and XXXX XXXX XXXX aka XXXX. When they should be showing XXXX balance discharged though bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have one XXXX XXXX Credit Card that I use for everyday purchases and intentionally keep a low credit limit and pay it off regularly. All previous payments I've made get posted to my account the next day after making a payment and the funds are available at that time. I once again paid off my card on XX/XX/2020 and it pulled the payment from my bank account on XX/XX/2020 ( does not show pending on my bank account, the money was taken out ). I tried using my card yesterday XX/XX/2020 and it got declined, so I called and asked why and they told me that the payment is on hold and should go through any time. I checked again this morning XX/XX/2020 and it still hasn't posted to my credit card account, so I called again and got transferred to the payment specialists and got told that it is still on hold and won't be released until XX/XX/2020 ... to me it seams like this should be illegal, they literally have my money that they took out of my bank account as of XX/XX/2020 and I won't have access to it until almost a week after they took it ( hopefully )!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$2100.00}

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX   XXXX {$2100.00}

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 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Hello, I was interested in a refinance so I contacted my mortgage company, Mr cooper formerlyn Nationstar. I spoke with XXXX XXXX, she asked for my information and checked my credit agave me a quote. I asked if she thought the rates would go lower and she said probably not. After a few week I emailed her and said we were ready. This is where the issue started. She stated in two different emails she would call me. I waited several days and and left her a voice mail and still no reply or answer. I then emailed her manager XXXX XXXX. He said he would have some XXXX call me. Someone called and basically told me it would cost {$5000.00} to refinance and said I should just pay more per month on my current mortgage. I I asked for a follow up email with what we discussed and and my options. She never emailed, so I asked XXXX in an email to have her email me. He said she will call. The level of professionalism is the worst. 
Mr. Cooper XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XXXX XXXX, I mailed 4 checks, two of which went to credit card companies [ PNC and XXXX XXXX  ]. The non-credit card payments arrive and cleared. Unbeknownst to me, the credit card payments did not. When I finally realized the checks had not cleared, I called both places. I am making arrangements for payment. I am also asking for late fees and negative credit report info to be removed. 

What do I need from you? PLEASE monitor if this is happening to others. Are banks " not receiving '' payment so they can boost the bottom line with late fees and higher interest rates? One bank is understandable. Two banks is absolutely fishy. 

Please keep an ear out and maybe alert media outlets about a possible problem. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I opened a checking account and savings account with First Citizens Bank in XX/XX/2020. I funded both accounts with a credit card. I funded each account with {$1000.00} ( {$2000.00} total ). I set up a direct deposit with my employer to deposit some of my paycheck into the checking account. A direct deposit was made. Additionally, I make multiple debit card transactions with the provided debit card linked to the checking account. I have not been able to log into my account since last week. I called the bank, they said my account had been closed. I asked why, I was given a run around and then spoke to a lady that said if I wanted to know why it was closed, that I should contact XXXX XXXX. Two days ago, XX/XX/2020, I received a statement from the bank in the mail. It did not say anything about my account being closed. I have not received any other correspondence from the bank regarding the closure of my account or why it was closed. 

I checked the statement of the credit card that I used to fund the account with. First Citizens refunded the card for the amount that I opened the account with even though, i paid the card off. 

I have not received any reason why my account was closed. Furthermore, I was not told by the bank that they were going to close my account or that they actually did close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: V and H Portfolio
State: DC

Complaint narrative:
Vance and Huffman is a creditor who purchased a debt from XXXX. I have filed a police report around the same time that my personal belongings where tooking. Including bank information, id, work id, ssc. I have uploaded police report to disputing agency and still there was no investigation or correction to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
XXXX bought our XXXX mortgage on XX/XX/XXXX of 2019. We refinanced our mortgage on XX/XX/XXXX of 2019. We have tried for 6 months to get our remaining escrow balance from both companies. I have complaint # XXXX open with CFPB against XXXX that details our attempt to recover our remaining escrow balance of {$1900.00}. At this point XXXX contact information is no longer valid and XXXX says they can't access our XXXX account. XXXX also has our current mortgage so they are confused about our current loan account # XXXX from XX/XX/XXXX of 2019 and the loan they purchased in bankruptcy from XXXX account # XXXX on XX/XX/XXXX of 2019. So we are getting the runaround. XXXX appears to be reverting us to a now dismantled company ( XXXX ) with full knowledge that they are no longer operating and that XXXX owned our XXXX mortgage on XX/XX/XXXX when we refinanced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ID theft victim Another account on my report XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} This is not my account/Fraud i have added my Id theft reporrt as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ID theft victim Another account on my report XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} This is not my account/Fraud i have added my Id theft reporrt as well

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 2020-04-23 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: IL

Complaint narrative:
Experian has not investigated the accounts below. Instead, Experian has altered my account histories causing my score to sink lower. Why would Experian knowingly do this? Fortunately, the report they sent demonstrates these malicious actions. If I can not get Experian to act I will subpoena the records for a lawsuit. 

ACCOUNTS XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX  XXXX never late DEPT OF EDXXXX  XXXX never late XXXX XXXX XXXX XXXX  XXXX never late XXXX XXXX  XXXX not mine XXXX  XXXX never late XXXX  XXXX not mine XXXX XXXX XXXX  XXXX XXXX not mine PUBLIC RECORDS US BANKRUPTCY XXXX CHPT - 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