vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 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've written XXXX  and Experian about the following collection accounts in XX/XX/2020 ( XXXX {$2500.00} and XXXX XXXX {$1200.00} ) that's on my credit report and to no avail a response has not been received and it has been well over 30 days. These accounts should be DELETED from my credit reports immediately! It is the sole responsibility of the credit bureau to make sure all information is verified. According to the FCRA you are required to go beyond the original creditor to verify all information reporting because you are getting paid to do so. you are required to obtain original copy of the application or contract when this account was open, or applied for. I need the proof. How was this verified? Congress states : that the Credit Report Agency shall within a responsible period of time reinvestigate and promptly delete inaccurate unverifiable info. This needs to be deleted immediately. How can these accounts be placed on credit report without a proper investigation going the full length of making sure the information is verified thoroughly thorough the original said creditors.

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 2020-06-26 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: CarMax, Inc.
State: MS

Complaint narrative:
Erroneous information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
Erroneous information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MoneyLion Inc.
State: MS

Complaint narrative:
Erroneous information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$32000.00}, {$20000.00}, {$400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-06-26 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$32000.00}, {$20000.00}, {$400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I have on multiple occasions tried to borrow money from cash lending apps such as XXXX. In the past with other banks, I have not has an issue. While trying to access my financial data, there is an error on the banks side. I would like it to be easier to use these services and be able to access my data through these services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I paid off {$410.00} to Bank Of America in XX/XX/2020 and it say I didnt on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I disputed an account that Midland Credit Management placed on my XXXX, XXXX, and XXXX  credit reports. This account is a duplicate of a XXXX XXXX/ XXXX  account that is also on my credit report. I received a letter by USPS in the mail dated XX/XX/2020 from Midland stating that I had already paid them {$150.00} ( 6 payments displaying for 2020 ) and that I should continue to pay this debt. I have never had any contact with Midland and this letter represents 1st contact. I'm sure the impetus for this letter was my current credit dispute. 

To be clear : I HAVE NEVER PAID ANY MONEY TO MIDLAND as they are reporting by mail and wire. I have continued to pay XXXX and will provide the ACH/ Wire information regarding these payments. I have no familiarity with Midland and their involvement in this account and the XX/XX/XXXX statement represents first contact. This is clearly an FCRA violation and possibly fraud by mail and wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Have tried to connect the XXXX XXXX  app to my PNC account and there is an error that says that the bank won't allow the connection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: UPGRADE, INC.
State: WY

Complaint narrative:
hello XXXX  is showing that the account UPGRADE INC XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, AZ XXXX has a missed or late payment, this is false, i will provide bank documents that will show i never have missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I recently applied for forbearance with my mortgage company which is MR COOPER and the options given to me was only 3 months. I was not given the option of my initial request of 6 months as my right under the CARES act. The wording of their guidelines also does make it appear that I have to pay the missed payments in full and not specify that by law my mortgage payments that is under forbearance should be applied at the end of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: FL

Complaint narrative:
There is an account on my credit that DOES NOT belong to me.I have never had XXXX XXXX. This is NOT my acount. It does not belong me. I also have some inquiries on my credit for things I've never inquired about. Please remove these items from my credit. Also I need a new copy of 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 2020-06-26 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: TN

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 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 Company Inquiries : XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2020-06-26 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: TN

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 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 Company Inquiries : XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am trying to link my account between PNC Bank and the XXXX app using the service called XXXX. And it is saying that the bank has stopped allowing people to link their checking accounts through the service.and I don't believe that is fair ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a credit card account number XXXX with XXXX XXXX XXXX through Comenity Capital Bank that currently reflects three 30-59 day late payments during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am a government employee that was furloughed during the month of XX/XX/XXXX resulting from a government shutdown, during which time I did not receive a paycheck until mid XX/XX/XXXX. I contacted Comenity Capital Bank and setup payment arrangements due to the financial hardship I was experiencing as a result of being furloughed and temporarily unable to pay. It was my understanding that my monthly payments would be reduced for a period of 12 months. I made the new lower agreed upon payments but I was not aware that for the first month was delayed due to processing which triggered a late payment on my credit history with all three credit bureaus ( XXXX, XXXX  and XXXX  ). I was not aware that these late payments were on my credit reports until I tried to refinance my mortgage in XX/XX/XXXX. I sent a letter to Comenity Bank in XX/XX/XXXX requesting that these late payments be removed from my credit report. I received a letter in XX/XX/XXXX from Comenity Bank rejecting my request. I would like this situation revisited. I have since paid off my XXXX XXXX XXXX account and have always maintained a good payment history with this account. I would also note that this is the only creditor that I had this problem with as all other creditors did not report late payments during this time while I was furloughed and setup payment arrangements with. Please have this creditor remove these three 30-59 late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
As per Navient and Exhibit Smoking Gun 1, I partially paid ahead for XXXX. 

My typical IBR payment is {$320.00} but with overpayment my XXXX amount due was {$280.00}. 

As per Navient and Exhibit Smoking Gun 2, I paid {$500.00} on for the month of XXXX. Therefore, overpaying by {$210.00}. 

Since I overpaid by {$210.00} for the month of XXXX this amount should be applied to my XXXX amount due. 

Therefore, with the typical IBR payment due of {$320.00} ( Payment Due ) - {$210.00} ( Overpayment ) = {$100.00} should be due for XXXX. However, as Exhibit Smoking Gun 2 from Navient shows they show the incorrect amount due for XXXX as {$320.00}. 

Navient Must send a correct Payment Invoice for {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion page 10 of 11 File Number XXXX alternative credit inquries inlast 3 months 2 and last 6 months 2 I have not applied or requested credit for nothing.

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 2020-06-26 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: Choice Recovery, Inc.
State: FL

Complaint narrative:
My accounts with this company has been paid in full as of XX/XX/2020. These are accounts are still showing open on my credit report. I asked the company to remove these accounts. I was told the will at the earliest send them with their XXXX reports to the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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 — Problem with personal statement of dispute
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
Hi I applied for a Forbearance plan by my bank because they wrote on their website that they will not report delinquent and but when I say my report the upcoming month I find a remark on my report whit the letter 's PDE ( please be aware that I never used this plan I all monthly payments ) I contacted my bank right away to remove Forbearance plan because I thought that no NEGATIVE INFORMATION INCLUDING REMARKS WILL BE REPORTED and try to explain them that my whole application was a mistake ( please be aware that I never used this plan I all monthly payments ) and remove the remarks. They send back to me a letter. That, Please accept this letter as confirmation that no adverse info has been reported on my account. and never removed the remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: GA

Complaint narrative:
I have disputed the alleged bankruptcies amongst other items on my credit report with XXXX, XXXX  and Experian. XXXX  has removed alleged bankruptcies that were not mine as I have a victim of Identity theft, however XXXX  and Experian states after investigation that the information is " verified '' Upon further investigation, I have reached out to XXXX which the said credit bureaus stated XXXX XXXX XXXX XXXX has verified the information, however, XXXX stated that information has been removed and have provided me with a report to reflect that they DO NOT have the information in their files. Nonetheless, per the attachments the negative information is still being reported, which is causing me tremendous stress and harm. 

I have attached a copy of one of my police reports. As well as investigation results from Experian, XXXX  and XXXX. Additionally, I have attached, the results of the investigation of XXXX  with removals of inaccurate information, as well as XXXX investigation results.

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 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Weeks back I got a ding on my credit file stating that there is a new collection on my account. I first called XXXX XXXX, the company that claimed that I owed the money. After asking me several questions, they agreed it was not mine and it would be removed .... STILL NOT REMOVED. 

I then called this collection company that just randomly put it on my credit file. Nothing they asked matched. I never lived in XXXX, Texas. I have never shopped in XXXX, Texas. These people told me the same thing, they would remove it, BUT NOT DONE. 

How do you give someone a loan with my phone number, drivers license nothing close to mine and yet claim that this is mine. This is criminal and highly illegal, not only giving some random person, most likely XXXX, claiming to be someone named XXXX from XXXX?!?, getting a loan in XXXX. FOLLOW ME HERE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
These are not my accounts. Please remove them.

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