vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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: IL

Complaint narrative:
Transunion should not be reporting that I am ( 60-120 ) days late on the XXXX XXXX XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late 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 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Can not link my PNC Bank account to numerous XXXX platforms such as XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: GA

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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have two credit cards with Chase Bank ( JPCMB ) which were closed on XX/XX/XXXX. I contacted Chase and I was told because I have a derogatory account with them from XXXX, in addition, I was told because I add authorized users and at some point remove them. They transferred me to the collections department who couldn't find any account-based off the account number they gave me as the derogatory account. I explained to them that I have never had an account with Chase prior to XXXX and that I was a victim of Identity Theft a long time ago. I also have a police report that documents this. I have been calling them since XX/XX/XXXX only to get conflicting information about why they closed my two accounts that are in good standing. I was told a supervisor would call me which someone did but during their investigation, the call dropped and he never called back. I tried calling back only to get a different person from the fraud department who also was investigating and could not find anything that lined up with what I was previously told. Shortly into that call it also dropped due to the reps bad connection, and again she did not call me back. I am very upset at my accounts being closed after 6 years and the other two years. They wrongfully closed my accounts stating I have derogatory marks on my credit from an account that is delinquent with them that no one can seem to find. In addition, if there was a delinquent account on record why did they. and how could they approve me for a card without knowing this or seeing this in their records 6 years ago? Lastly nowhere in my cardmember agreement states that I can not remove the authorized users that I add. I feel that I am being targeted and discriminated against because of the authorized users so they are insinuating that I have derogatory accounts with them. I am asking for assistance with this matter to get my accounts reopened in the same reporting status they have been, and with the same history. I have never missed a payment on my accounts, I have never abused or misused my accounts, and I am on autopay to ensure my cards stay paid on time and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX  XXXX {$3800.00} XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$350.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX  XXXX {$140.00} XXXX XXXX {$340.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$32000.00} CHAPTER XXXX BANKRUPTCY DISCHARGVED 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 2020-07-31 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. DEPTEDXXXX  XXXX {$3800.00} XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$350.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX  XXXX {$140.00} XXXX XXXX {$340.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$32000.00} CHAPTER XXXX BANKRUPTCY DISCHARGVED 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 2020-07-31 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: NC

Complaint narrative:
XXXX ACCOUNT BEING REPORTED TO THE CREDIT BUREAUS SHOWING AS OPEN, WITH BALANCE AND LATE PAYMENT WHEN IT SHOULD BE CLOSED. ATTEMPTED TO RECTFIY ISSUE WITH BUREAUS BUT THEY ALL SENT INFORMATION REFUSING TO REMOVE THE ACCOUNT. I EVEN SENT THEM EVIDENCE FROM XXXX  THAT STATES THAT THE ACCOUNT IS CLOSED WITH A {$0.00} BALANCE. 

THIS IS HAVING A DETRIMENTAL IMPACT ON MY CREDIT SCORE AND REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: NC

Complaint narrative:
XXXX ACCOUNT BEING REPORTED TO THE CREDIT BUREAUS SHOWING AS OPEN, WITH BALANCE AND LATE PAYMENT WHEN IT SHOULD BE CLOSED. ATTEMPTED TO RECTFIY ISSUE WITH BUREAUS BUT THEY ALL SENT INFORMATION REFUSING TO REMOVE THE ACCOUNT. I EVEN SENT THEM EVIDENCE FROM XXXX  THAT STATES THAT THE ACCOUNT IS CLOSED WITH A {$0.00} BALANCE. 

THIS IS HAVING A DETRIMENTAL IMPACT ON MY CREDIT SCORE AND 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 non-monetary relief
Consumer complaint received 2020-07-31 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: IL

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My mortgage is owned by Citizens One HomeLoans. Im currently in forbearance under a temporary loss mitigation program due to Covid-19 financial hardship. I have been unable to recieve any information about how to facilitate being considered for options provided through the CARES act upon completion of my forbearance period. On XX/XX/2020 I called my lender once again to attempt to recieve information related to my mortgage forbearance. When I made contact with my lender, two different customer service reps told me that all defferred payments would be due immediately upon expiration of my forbearance period. One told me that my forbearance program ended in XXXX and another told me it ended in XXXX. Neither could provide me with any information on their processes to comply with CARES act options, including the partial stand alone credit claim. When I referenced these options they had no knowledge of what i was referring too.Further the reps could provide no guidance on any steps that may be needed on my behalf to facilitate this process.Three agents i spoke to could not be understood due to quick speech and an extremely heavy accent, when i politely asked to speak to a manager one of them fought with me, another just transferred me to the collections department. I have spent hours on the phone with this company since the beginning of this process in late XXXX and have consistently be given inaccurate and inconsistent information from everyone I've spoken to. The only thing that they have been consistent on is the fact that I will owe them all the defferred payments, paid in full, upon completion of the forbearance period. I have reached out to HUD several times, since I have a FHA backed mortgage, and I have filed a complaint. I will be requesting action in writing by the lender, to provide specific guidance on my options at the end of my forbearance period and clear guidance on any action required on my part. Im requesting that you please provide any assistance or direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$22000.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The vehicle had numerous issues from the day I purchased it. I tried working with the dealership to replace the vehicle and they refused to help me. It continued with various noises that none of the mechanics could identify within the transmission. I new transmission was put into the vehicle because I had the extended warranty however, even after doing this the vehicle continued to have problems. The dealership wanted to put another transmission into the vehicle. They were not confident that even doing this, would fix the problem. I called the bank and explained the issues I was running into and told them to come and get the vehicle because I was not going to make another payment on a vehicle that spent more time in the service department continually trying to be fixed. This would end up costing me more than what I was going to spend on the vehicle. ( I have attached documentation and service records of the numerous repairs from XXXX XXXX XXXX and XXXX XXXX XXXX which is the last dealership that was working on the vehicle with the extended warranty. ) This account needs to report a {$0.00} balance. There is no outstanding balance due. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: IL

Complaint narrative:
XXXX ; XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late 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 2020-07-31 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:
XXXX ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late 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 2020-07-31 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: MoneyLion Inc.
State: MA

Complaint narrative:
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My mom passed away on XX/XX/2020. She was receiving social security. My sister 's and I understood that the night possibly reverse the payment. However, they are not because the payment that social security deposed into my moms checking account was for the month of XXXX. After several phone calls to Chase bank a woman in the decedent department told me if I got a letter from the Social Security office the hip that Chase bank out I the checking account would be removed so the account could be closed. Either the woman from the bank lied to me or the ACH department at Chase doesn't understand the letter from Social Security stating that are not taking money from my mom 's account. I was also told that there would be no fees come out of the account. They mailed statement out saying they took a service charge out of a bank account that has a hold on it. I feel l as if though I was lied to all the way around. 
Please see attached letter from the Social Security office stating they will not be taking any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
Opening this complaint in response to National Credit Systems not doing anything with previous complaint XXXX. NCS response to previous complaint is that it thinks it is correct to list the date of 1st delinquency as the date a tenant presumably moved out of an apartment. This is grossly incorrect. The date of 1st delinquency should be the date the tenant was delinquent with the client NCS is collecting for. Clearly XXXX XXXX XXXX filed an Eviction in 2017 and received a Writ Of Resitution in 2017 ( XX/XX/2017 ). National Credit Systems can contact the XXXX County Courthouse and pull registry of action # XXXX to verify this information or contact XXXX XXXX XXXX. Listing an incorrect date of 1st delinquency is a clear FCRA violation.

Company response to consumer: Closed with explanation