vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am currently in the process of trying to purchase a new home, but the incorrect coding for " Account Type '' on my Experian report is preventing me from being able to be approved. Even though it was an installment account and has been closed for months, Experian continues to report it as " REAL ESTATE '' in the Account Type and " Home Improvement Loan '' in the Account Type - Detail lines. 

It is impossible to speak with anyone as they do not answer the phone, so I have sent two letters to Experian over the past several months with a copy of the letter I received from Service Finance Company that states the account in question is NOT Real Estate or a Home Improvement Loan and should not be reported as such. To date, I have not received the courtesy of a reply from Experian, nor have they corrected this erroneous labeling of the account.

This situation has caused damage not only to my report and score, but also to myself financially. If this error is not corrected IMMEDIATELY, I will be forced to consider taking legal action. 

Thank you, 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 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Contacted by a man who said he was from XXXX Fraud & Theft division said my phone was hacked into & if I have mobile bank  apps to check the accounts. I checked everything at the time looked okay. I checked again later and a XXXX XXXX  transaction was made not by me to a person I dont know. I never ever made a XXXX transaction of any kind. I notified PNC bank, they told me to change my password & thell investigate. 2 days later I received a letter from PNC that an investigation was made and the transfer was valid therefore my dispute is declined. I looked up the person the money was XXXX to it was an XXXX American girl in XXXX, Florida. I do not know anyone in Florida and I did not make this transaction. I disputed the transaction again. Again i received the same response from PNC. Again I filed a disputed that I DO NOT know this person and did not make this transaction. Again PNC denied the dispute. They did not provide proof of the investigation that the transaction was valid. This is not acceptable so Im disputing again. I will not give up because {$990.00} was stolen from me which is a lot of money as Im SS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NH

Complaint narrative:
Every month since I have graduated I have been trying to pay these loans and every month they mess up how the payment gets processed and its only until I end up calling and verifying everything 3 times in one or two weeks that they finally figure out how to process my payment. As this has now gone on for five months its getting to the point of malpractice and Im genuinely concerned that they are trying to force late fees on my account and mess up my credit score to the point where I cant refinance at another institution that would actually know how to do basic addition and subtraction and process payments. The latest problem I ran into with them is that once again my payment, which I tried paying 4 days ahead of the due date, was rejected even though I had money in my account and the account had worked to process the payment the month before ( after calling 3 separate times in the previous month to finally get it to show up ). So yesterday I called them and asked them why it didnt go through and after an hour on the phone with an agent she said she was able to process the full amount for all 3 of my student loans and the money was taken out of my account so I thought it would be okay. Today I checked my app and after another half hour on the phone the guy found out she put all my payments into only one of my loans so I have to pay for the other two ( which are now past due and have fees because everything takes 3-5 business days to process ). This is just the latest example of how inefficient and almost maliciously incompetent this company is. To any body out there reading this DO NOT USE SALLIE MAE FOR YOUR STUDENT LOANS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The XXXX XXXX account showing up on my report for {$90.00} is incorrect. Ive never had service with this company. I disputed with both bureaus but it came back as verified. This account is negatively affecting my credit.

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 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Medical Hardship : I suffered complete XXXX  XXXX  and was placed on XXXX XXXX  XXXX at the same time my partner lost his job due to Covid. I contacted the bank regarding this hardship and informed them of change in income and uncertainty of claim processing dates. As result of the change in income my account was over drafted and subsequently closed.

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 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
In XX/XX/2020 I asked Dovenmuehle mortgage servicer for XXXX XXXX XXXX to remove PMI from my loan # XXXX. I sent a list of improvements to my home. They delayed responding and ultimately told me I need to send {$400.00} for a new appraisal. I sent the money. In XXXX the appraiser came out. The appraisal came back at $ XXXX against my $ XXXX balance. 
The appraisal also noted all of the improvements and remodeling done to my home. 

Doven replied to me they would not remove PMI because there were not enough improvements to the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have a line of credit from Td bank from XXXX XXXX. My credit limit was XXXX  and I owe {$900.00}. I currently not working do to Covid 19. I have been making payments. Them i made a payment for {$400.00} which left a balance of {$400.00}. After that payment was received they cut my balance to {$400.00} and they started charging fees late fees and over the limit fees. I called customer service and I waited for 3 hours and still didn't get to talk to anyone. I told a manager would call me back. Its been three weeks and still haven't spoken to one. They are aggressively reporting this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The XXXX XXXX  account showing up on my report for {$90.00} is incorrect. Ive never had service with this company. I disputed with both bureaus but it came back as verified. This account is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian, I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate
or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX   XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX   XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX Inquiry Date : XX/XX/2020 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been attempting to get access to my Equifax credit report online. This has been ongoing ISSUE for months. I submitted a complaint with the CFPB TWICE ALREADY, THIS IS MY THIRD COMPLAINT. I have been unsuccessful with Equifax themselves. They responded back that the issue had been resolved IN MY PREVIOUS COMPLIANTS. Which is incorrect the issue has not been resolved. I am still trying to access my credit report. I have disputed some items and I am still unable to view them because I do not have any access. THIS IS NOW MY THIRD ATTEMPT TO CORRECT THIS ISSUE. I CAN NOT ACCESS MY EQUAFAX ACCOUNT. PLEASE SEE ATTACHMENT BELOW. I AM ASKING THAT THE CFPB LOOK MORE INTO MY COMPLAIN EVERYTIME I TRY TO LOGIN INTO EQUAFIX IT DOES THE SAME THING. YOU CAN SEE THE ATTACHEMENT PLEASE ADVISE HOW TO MOVE FOWARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I paid off my vehcie on XXXX XX/XX/2020 ( as verifed on my online account information ). I never heard back or received my title. I called to inquire and was told that it was " released to a third party '' on XXXX XXXX As of XXXX XXXX, I have yet to recieve my title. I have called several times and each time I am : put on hold for over an hour, hung up on, shuffled around between departments, lied to, and was treated very rudely. I paid of my vehicle in good faith and now I have no recourse to get the title to which I am legaly entitled.

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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Cfpb / Credit Bureaus/XXXX, XXXX, and Transunion ; I was going through my credit again this morning and I'm still shocked and amazed that you guys failed to fix and remove those wrong personal information on my credit like the wrong variations of my name, unknown address, wrong name, wrong addresses, unknown accounts, etc. I've sent at least XXXX different request with supportive documents to show you that you continue to report wrong information but you failed to fix those issue. I'm not sure if you just simply neglecting my request or not getting them. 

Those are not my information and it continues to report wrong. Please correct my name to show the attachment. Delete any unknown addresses, other than the one that i gave you, remove the wrong name and the variations of the name, remove any those unknown accounts list. PLEASE FIX!

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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear Cfpb / Credit Bureaus/XXXX, Equifax, and XXXX  ; I was going through my credit again this morning and I'm still shocked and amazed that you guys failed to fix and remove those wrong personal information on my credit like the wrong variations of my name, unknown address, wrong name, wrong addresses, unknown accounts, etc. I've sent at least 6-7th different request with supportive documents to show you that you continue to report wrong information but you failed to fix those issue. I'm not sure if you just simply neglecting my request or not getting them.

Those are not my information and it continues to report wrong. Please correct my name to show the attachment. Delete any unknown addresses, other than the one that i gave you, remove the wrong name and the variations of the name, remove any those unknown accounts list. PLEASE FIX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Please Help, I have tried to reach Bank of America 's Escrow department for over 8 weeks ( starting in XXXX up to now XX/XX/XXXX ) and they hang up. I have also had 2 representatives from the bank hold with me for over an hour and the escrow department picks up and hangs up on them also.

They are reporting false information to the credit bureaus for the last four months, when my payments have been submitted on time in the right amount. I'm trying to qualify for a new loan and this has destroyed my credit. This could cost me an higher interest payment over the life of a 30 year mortgage. I have a substantial amount of documentation to back up my claims. I have over 50 hours in trying to get this resolved.

The representatives from BOA say to me, this just isn't right what they are doing to you. Our system is having major issues and the new system isn't working correctly. The system is all messed up! Everybody  is having to wait. On average, I have had to wait 1.5 hours before any one answers then they have to transfer me and wait another hour or two. One representative told me that there is only 5 people in her department and when she comes in there are 4000 people on hold and sometimes it have been up to 20,000. 

The people I have worked with in customer service say they are going to call me back and never do. This is a mess and the government should step in and force them to hire enough people to handle calls. Actually they should be required to open all of their banks. All of them are closed where I live, so I can't even go to the bank to resolve it.

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 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
XX/XX/2020 - A call at XXXX am was received from phone number XXXX -- was claiming to have my social security number and was attempting to get more information from me and I told him I don't owe any debts and I told them to stop calling me and hung up. The same person called using UNKNOWN and other out of state numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute letter to Transunion signed and post dated XXXX requesting that Transunion investigate and remove three ( 3 ) inaccurate items reporting negatively on my Transunion Credit report. Within this correspondence I cited the Fair Credit Reporting Act, Section 607, requesting that they ensure maximum accuracy of the information contained in my credit report. 
As of XXXX I had not received any acknowledgment or update on my dispute and the inaccurate negative items remain on my credit profile. On the aforementioned date I also sign and mailed an additional letter post dated XX/XX/2020, requesting the validation of the debt listed on my credit report Under the Fair Debt Collections Practices Act ( FDCPA ). In this correspondence I too noted that Transunion had not completed an investigation within the 30-day time frame as required by law and demanded that they delete all disputed items from 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 explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affiliated Management Services
State: MO

Complaint narrative:
Affiliated Management Services ( AMS ) posted two collection accounts to my XXXX credit report. One was for XXXX  XXXX {$61.00}, the other was for XXXX XXXX Specialists {$76.00}. First, the {$76.00} the reported was incorrect and under FCRA Section 607 I'm entititled to the maximum accuracy. I only found out about these by pulling my credit report. XXXX failed to issue me notice pursuant to 15 U.S. Code 1692g. On a RECORDED phone call, XXXX agreed to PAY FOR DELETE the {$61.00} with MAWD Pathology even though I had no idea what the debt was or even had it validated. I didn't accept this debt as mine but since it was a low amount I paid it anyway. For the {$76.00} charge with XXXX XXXX XXXX, I sent them a letter revoking any authorization which allowed them to contact a third-party regarding my personal health information ( PHI ). The lettter also stated that I demanded they instruct AMS to DELETE the collection and the check the cashed clearly stated in comments " by cashing you agree to terms of letter dated X '' This was followed up by a call from XXXX in their billing department confirming everything. I also do not have proof a XXXX is on file between XXXX and AMS or XXXX and AMS. I sent XXXX, management at XXXX an email on XX/XX/20 asking for details and he confirmed that they " tried to call me '' before sending to collections but no notice in compliance with 15 U.S. Code 1692g was sent. He did not confirm which number or address they were using. These medical practices and debt collection companies have caused me severe emotional and financial harm by reporting erroneous and inaccurate information and " verifying '' the status with the credit reporting bureaus. They have violated Federal and State statutes in my opinion, as well as XXXX, HIPAA, FACT, XXXX laws. These are predatory practices, as I never received any bills or notices for either of these and the original companies received reimbursement from my insurance for at least 80 % of services. While sending billing information to a third party is a permitted business purpose, it should follow the minmum necessary standard and unfortunately in these cases I don't believe this standard was followed. A XXXX  complaint has also been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
I have been the victim of identity theft and had multiple accounts opened under my name without my consent including Harvard Collections ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and these companies haves failed to comply with FCRA reporting guidelines for Fraud/ID Theft.

Company response to consumer: Closed with explanation