vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 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: IL

Complaint narrative:
reporting fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: IL

Complaint narrative:
reporting fraudulent information

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 2020-06-17 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: PA

Complaint narrative:
I received a text stating that this a debt collector trying to collect a debt. Asked to call, go to website or stop the text. I did not send the message STOP because this may show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, XX/XX/2020 and XX/XX/2020 inquires were made on my credit by companies that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
I check my credit report every week. I noticed my score dropped and this company is on my credit report stating that I owe over {$1200.00} to XXXX XXXX  XXXX XXXX. I have never received a letter or phone call from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
I check my credit every week and noticed that my credit score dropped. I see that this debt collection company on my credit. Prior to this showing up on my credit, I did not receive a call and notification from this company. I also fault the credit reporting agencies for allowing these debt collection agencies to pop on consumers ' credit without verifying if they attempted to contact the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: NC

Complaint narrative:
On XX/XX/2020 @ XXXX est. I spoke with a representative form William rush about an inflated debt. I asked this debt collector to produce all documents of payment history, fees and how their company is saying that I owed the XXXX. I informed the representative that I was by law entitled to all documents. I also informed the representative that I have proof that I didnt owe as much as William rush is claiming I owe.The representative stated that she would email me all documents that I was asking for. I never received any documents.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: TN

Complaint narrative:
Open Date XX/XX/2018 XXXX {$89.00} XXXX XXXX  XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.

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 2020-06-17 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: TN

Complaint narrative:
Open Date XX/XX/2018 XXXX {$89.00} XXXX XXXX  XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: TN

Complaint narrative:
Open Date XX/XX/2018 XXXX {$89.00} XXXX XXXX  XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.

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 2020-06-17 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: TN

Complaint narrative:
I have called Equifax Several Tines about a Hard Inquiry on my credit Report, the Company XXXX XXXX XXXX  have called Equifax several times to remove this Hard inquiry XXXX XXXX XXXX  XX/XX/2019, Equifax Still after 3 months still Refuse to remove this hard inquiry after the company told Equifax to remove this Hard inquiry asap/immediately as of today its still on my credit report this is wrong and illegal the company told them to remove the hard inquiry why haven't Equifax removed it yet I don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Pnc won't link to site for saving, credit reporting etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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.

Complaint narrative:
I refinance in XXXX with XXXX XXXX XXXX XXXX and was told I didn't need to make a Payment till XXXX and than they reported me late for XXXX and XX/XX/XXXX I started my journey with XXXX XXXX in XX/XX/XXXX finished paying the down payment in XX/XX/XXXX. In XXXX I called to make my payment and was told that if I paid the refinance application processing fee and any back overage fees they could move my payments to the end and I wouldn't have to make a payment till XXXX. I did this and the next day my credit report popped with 30 day late payment for XXXX and then in XXXX it popped a 60 day. I called XXXX XXXX  and was told I wasn't late and that the supervisor would send me a letter stating this. If I had known I would have been hit with late payments I would have insisted on making a payment as well. It's now XXXX I've called atleast 3 times between XXXX and now and was told the same thing. In XX/XX/XXXX I disputed the late payments but it came back as verified. I received the file below stating the account was in good standing.

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020, XX/XX/2020 and XX/XX/2020 inquires were made on my credit by companies that I do not recognize.

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020, XX/XX/2020 and XX/XX/2020 inquires were made on my credit by companies that I do not recognize.

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 2020-06-17 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: FL

Complaint narrative:
XX/XX/2020 Good will interventions. 

Account is not mine. 

{$6000.00} Monthly payment. 

{$7800.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This involves both the bill pay feature of a checking account and a VISA account with Bank of America. Bank of America puts bill pay requests " in process '' before the " pay by '' date, making the money unavailable to the customer. At the same time, it has begun making electronic transfers to vendors after normal business hours on the " pay by '' date. Also at the same time, it has stopped crediting electronic payments to its VISA accounts on the day those payments are received, but instead credits them on the next business day. Through this process, it has increased its float on both the bill pay feature of checking accounts and its credit card business and has charged interest on the period between when the VISA account payments is received and when it is credited. These amounts may be de minimis for any single customer ( I was charged {$1.00} interest which was refunded without even being asked for an explanation ), but given the number of transactions involved, this amounts to a considerable transfer from customers as a group to Bank of America.

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 2020-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PACE Funding Group, LLC
State: CA

Complaint narrative:
I applied with PACE to finance my air conditioning/ heating system for my condo since my heater was deemed inoperable by XXXX XXXX XXXX and XXXX . PACE was recommended by my Contractor at XXXX. After applying PACE asked for various documents including loan documents for my second mortgage and also lien statements from my lender showing that the previous second had been paid off through refinancing. I had a previous loan through a similar home improvement lender for my windows which I had already paid off. My credit score was XXXX with XXXX- Good and PACE required 2 months of bank statements which equaled verifiable deposits of {$10000.00} each month. 
PACE requested more documentation focusing on my XXXX XXXX Mortgage. I was affected by COVID-19 and lost my position with XXXX which was XXXX XXXX XXXX. I called XXXX XXXX immediately after losing my job in XXXX and I was stuck at home with my kids since the school closed. I was offered a 3 month deferral on payments since I lost my job. I never spoke to an agent and was offered this option immediately when I signed on to my mortgage account online. The verbiage stated the deferred payments were due at the end of 3 months or could be added to the end of the loan. I took the option and planned on resume my loa. payments in XX/XX/2020. PACE informed me that since my loan was in a Foreberrance/Foreclosure status PACE was unable to offer any financing. I called XXXX XXXX XXXX  immediately and tried to discuss with them any options to have this damaging items removed off of my credit. XXXX XXXX assured me that I was protected under the " Cares Act '' and the credit bureaus were not reporting negatively against my credit or credit score. They assured me that I was protected against adverse action or discriminaction against creditors. I explained that PACE wanted documentation showing my deferment agreement but they reassured me that I was protected under the " Cares Act '' and it shouldn't be a problem. PACE refused to offer me credit based on my position at XXXX being terminated and I qualified under the " Cares Act ' for a deferment of a few mortgage payments. The mortgage had consecutive payments for 60months + prior to this deferral. Please investigate business practices and automatic denial of credit based on COVID 19 and protection of consumers under " Cares Act ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: LA

Complaint narrative:
My credit score dropped 24 points and the reason supplied was that my credit card usage increased. I filed a dispute on XX/XX/20 to dispute that my usage increased because every month the statement balance has been {$0.00}. My credit limit increased but not the usage which means my score should have increased. On XX/XX/20 I see that Transunion actually removed the account completely which made my score drop again.

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 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have spoken with many representatives in the escalated department regarding late reports on my credit report. I was told to send a " goodwill letter '' explaining what happened and request a one time deletion. I sent the letter in XXXX. I also spoke with a representative that appeared to suggest or led me to believe paying the account off in full in exchange for the one time deletion. I know this has been done for other U.S bank customers. Why am I any different.

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 2020-06-17 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: Ability Recovery Services, LLC
State: DE

Complaint narrative:
Hello, Back on XX/XX/XXXX I did a tenant screening with XXXX XXXX and found that a Company named Ability Recovery Services is claiming that I owe XXXX University. I was at XXXX University for one semester and Financial aid covered the cost and made my account balance for the school XXXX. The Financial aid loan is also through XXXX my student loan provider and since I am actively in school the loan is in deferment. Fast forward to three to four years later and this company is trying to capitalize on a student loan that is already with a provider. When I reached out to XXXX I was told my balance was XXXX and have the screenshots of the balance and proof showing financial aid did their disbursement and I was only there for one semester then left with a XXXX balance. I was never enrolled in any classes. I disputed this with credit bureaus and when tried to contact no one is answering and I am ready to take this as a legal matter because it shows this loan is clearly loan Letter I number 11 on my Department of education XXXX student loan. Someone needs to look into this company as well as XXXX University  for reporting false information.

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 2020-06-17 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: GA

Complaint narrative:
I only been with pnc bank for a little over month. And in that month they have susppend my debit card 3 times without giving any warning nor explaintion s to why. I just will up one day tried to use it and it came back wrong information I called almost everyday and everyone would tell me so many different things out put my in hold for 30 min to 11/2 hrs. Finally after going back and forth and staying on the phone I was told who to call to find out about the whole. I finally talked to MsXXXX XXXX she's the antiluis for pnc. She verified my info and told pnc to left hold all hold were lifted. I went on starting paying money to online service a couple times I used it at atm. To get cash for money orders and things. Well 3 days later it was cut off again but this time they say they closed my card completely. I still don't know why they did it nothing changed I shop mostly online I pretty much do everything online because I don't leave house. Me I don't really see where they had any reason to do this. Now I'm having problem getting them to link my other account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am unable to let my loan take a payment from my account automatically

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CA

Complaint narrative:
My car loan balance was reported wrong by XXXX XXXX XXXX  XXXX XXXX. Now, XXXX XXXX XXXX XXXX XXXX stopped reporting the correct car loan balance and deleted my account from TransUnion credit report - causing my credit score to drop by 20 points in TransUnion.

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