vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 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:
I applied for a loan today XX/XX/2020 because I need help catching up on some bills but I was not approved because apparently there are accounts reflecting badly on my credit report. There are more than ten accounts in negative standing on my report that do not belong to me. I did not open any of those accounts and I did not allow anyone to open those accounts in my name. I do not have any written or verbal contract with any of those companies nor did I benefit anything from any of these accounts such as money, goods, services or any other benefit. I never made any payments towards those accounts and I have already filed a police report and a complaint with the consumer financial protection bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Requested deferral of my FHA home mortgage due to being placed on greatly reduced hours by my employer. Caliber Home Loans services my FHA mortgage. Their only proposal for a deferral was to defer three months payments but then the entire amount deferred becomes due and payable in the fourth month. Under the CARES Act, I thought the deferral could be longer and the total amount deferred would be added to the end of your mortgage. Many friends are getting this result. XXXX XXXX   proposal amounts to a very short term loan which does not help. I will not have that money in three months. I am a XXXX XXXX at a XXXX XXXX that had to basically shut down and have filed for unemployment. My husband is a XXXX XXXX. Our income has been cut significantly with the greatly reduced hours and we need mortgage assistance. We are first time home buyers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting debts on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only are they past the statute they are really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file. Account # 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 2020-04-07 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:
I applied for a loan today XX/XX/2020 because I need help catching up on some bills but I was not approved because apparently there are accounts reflecting badly on my credit report. There are more than ten accounts in negative standing on my report that do not belong to me. I did not open any of those accounts and I did not allow anyone to open those accounts in my name. I do not have any written or verbal contract with any of those companies nor did I benefit anything from any of these accounts such as money, goods, services or any other benefit. I never made any payments towards those accounts and I have already filed a police report and a complaint with the consumer financial protection bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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:
I applied for a loan today XX/XX/2020 because I need help catching up on some bills but I was not approved because apparently there are accounts reflecting badly on my credit report. There are more than ten accounts in negative standing on my report that do not belong to me. I did not open any of those accounts and I did not allow anyone to open those accounts in my name. I do not have any written or verbal contract with any of those companies nor did I benefit anything from any of these accounts such as money, goods, services or any other benefit. I never made any payments towards those accounts and I have already filed a police report and a complaint with the consumer financial protection bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: Maury Cobb, Attorney at Law, LLC
State: AL

Complaint narrative:
XXXX XXXX is incorrectly report a derogatory mark to all three of the credit bureaus. Account was taken care of with the original creditor XXXX  XXXX. XXXX  was charging us for equipment that was not returned after the account was closed. Contact XXXX  on XXXX XXXX, 2020 and they email us the three ( 3 ) separate labels to return 3 different pieces of equipment. The equipment was mailed back via XXXX to XXXX  AND accepted at XXXX  XXXX  loading dock on XX/XX/2020 @ XXXX XXXX. I contact XXXX   network directly and they credited the account for the equipment, waive the early termination fee because the contract was cancelled because a truck stuck the home rendering it to be unlivable and eventually the home was torn down. After they credited the account the remainder of the balance {$150.00} was paid in full directly to the original creditor XXXX XXXX. XXXX refused to remove the incorrect negative information citing the account is no longer with them it is now with MAURY COBB Attoney @ Law. I have contact Maury Cobb the advised they no longer see a balance and to contact XXXX to have the incorrect balance removed. We disputed the information with the credit bureau and XXXX continues to report incorrect balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: COMMERCE BANK
State: CA

Complaint narrative:
On XXXX, XXXX, and XX/XX/XXXX of 2015. On each month I tried to submit my payment of {$250.00} each month which was on Auto-Bill pay and did not go through. I have reached out to Commerce Bank and they have said for years that they saw that they saw the payment tried to come out when I was banking with them but it was rejected. They never notified me of the rejection and they gave me these 3-30 day late payment marks. I now can not get a mortgage because of these marks on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: NY

Complaint narrative:
I noticed that XXXX XXXX XXXX is on my Credit Report. i never open this account. i send letters to XXXX but without any respond from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX  I a re XXXX XXXX XXXX XXXX XXXX  demanding {$150.00} or Settlement of {$95.00}. This is an attempted Shake down for a debt discharged In chapter 7 bankruptcy as of XX/XX/2017. I have not attempted to contact this entity So as not to validate this Matter unwillingly because it is invalid due To the discharge afforded by the XXXX XXXX XXXX This Company is trying to perpetrate A fraud during this tax season, As is in common by Collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WESBANCO BANK, INC.
State: PA

Complaint narrative:
XXXX XXXX signed the back of XXXX XXXX XXXX XXXX dollar check from his life insurance and I XXXX XXXX took it to the atm machine and it was deposited on XXXX XXXX on XXXX XXXX the check was returned and XXXX XXXX the owner of the account was told that she or XXXX XXXX couldn't cash the check that she XXXX XXXX either needed to bring XXXX XXXX to the bank or come and pick the check up, I even offered to pay off his dept. to XXXX XXXX and XXXX XXXX XXXX said No he couldn't have an account with Wes banco for 5 years, its ok she stole the XXXX XXXX in question by giving us a check that XXXX XXXX processed and gave us a check that caused us to bounce checks like crazy, have all documents if need can send via mail thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: MD

Complaint narrative:
On XX/XX/2020, I mailed ( certified mail ) a letter to Transunion credit bureau inquiring about negative information reported by " US BKPT CT PA XXXX '' in the file that they maintain under my Social Security number. I challenged the inaccuracy of this information and requested that within 30 days that they provide me with copies of any documentation associated with this supposed account, bearing my signature as well as information about their method of verification. They received and signed for the letter on XX/XX/2020. They did not indicate on my credit report that this item was in dispute, still, as of XX/XX/2020. They mailed me a response stating that they " verified '' the information via US BANKRUPTCY COURT, but did not say exactly who verified it for them or their contact information. I mailed them another letter in turn on XX/XX/2020 to dispute this information. I included with the letter also a copy of a statement from the clerk of courts stating that they do not verify public records to credit bureaus. This letter was received and signed for on XX/XX/2020. I received a reply from them dated XX/XX/2020, which was simply another copy of the credit report stating that the information is " verified as accurate by US Bankruptcy Court. '' Again, I mailed them a copy of the statement from the Clerk of Courts verifying that the court does NOT verify public records, so how can they possibly verify this supposed bankruptcy via the court? This is an inaccuracy in reporting and per FCRA, this information must be removed from my report immediately. In addition, they broke the law by not indicating on my consumer credit report that I am actively disputing this item. I have attached several documents for review and proof. I have attached two letters that I drafted to Transunion, as well as their responses. I have attached the letter I received from XXXX XXXX and the US Bankruptcy Court. I have also attached a copy of my credit report dated XX/XX/2020 which clearly shows that they have not noted that I am disputing this item on my report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Mariner Finance is calling me during the COVID 19 National Emergency and threatening to file a lawsuit against me if I don't make a payment. 

I haven't been able to work in 3 weeks and let them know that. 

Mariner is hard pressing me to get the money from family, friends and even go out and get a job somewhere else during a time when nobody is hiring. 

They are causing me immediate and ongoing stress. They call all the time and threaten me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays bankBARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX DE XXXX has registered my name under a credit card that opened an account on XX/XX/XXXX. That same account was on record as reported on XX/XX/XXXX and was cancelled by Barclays. During this time the credit card account was not activated nor was it confirmed by me. When I called Barclays at ( XXXX ) they verbally confirmed that they had to wrong contact information, and inaccurate email and personal information. This has damaged my credit score and they wrongfully opened an account under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: IL

Complaint narrative:
I opened my account with US Bank on XX/XX/2019 at a physical branch location. When I opened the account, there was an offer XXXX Fall Checking Offer ' in which I should receive {$400.00} as bonus from bank is I get XXXX XXXX as direct deposit within the first 60 days.I received {$4800.00} as direct deposit in the first 60 days. Banker confirmed the offer has been applied and gave me a flier for that. I waited for 2 months to receive bonus from bank account. But even after 2 months, I didn't receive the bonus so I called the bank. Banker said that while opening the account, banker forgot to put the bonus code and due to this bonus has not been received in my account. He will forward the request to manager and they will add the bonus code retroactively. If my account meet the terms and conditions, then I will be given the bonus in a week. It has been 10 days and I have not heard back from US Bank. I tried calling bank again today to check the status, but no one picked the call. 

Reference link : 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 monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
On XX/XX/2020 the district manager " XXXX " contacted me and I was explaining that I was at work and why I haven't made a payment this month when for no reason got loud with me over the phone in wich I hung up. He repeatedly called my phone over and over from several numbers even found some type of way to make it seem like my employer with the # XXXX witch would never do because of a no phone policy at work. Then someone proceeded to run my credit from the company the same day without my approval. I have all the documents to take legal action if necessary!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/2020 I reached to PNC Bank to attempt to reset my online banking PIN to gain access to my online banking. I contacted Online Banking and Customer Service. I was told to reach out to a Branch on XX/XX/2020. I did reach out to a branch on XX/XX/2020 and was told my account was in a purgable status of being closed. NO ONE told me this on XX/XX/2020 Friday or I would have got the funds to bring the account current and requested the fees to be refunded from XX/XX/2020 due to being out of work due to COVID 19. On XX/XX/2020 I reached out to the account closing department and was told they could not help me with the fees or reopen my account. I needed to get the account reopened as sole proprietor I had applied for EIDL lending. The account is being closed for {$330.00} XX/XX/2020 I spoke with XXXX and she filed a complaint for me she also said that the employee in online banking and customer service may have not known the account was closing on XX/XX/2020 so if that was the case how am I supposed to know that as a consumer. I asked her that question and she said she didn't know. 
of this balance {$280.00} is made of {$36.00} of overdraft charges and {$7.00} in daily overdraft fees. For a total of {$290.00} if this was refunded I would have only owed PNC Bank a total of {$44.00} and the account would have not closed out. XX/XX/2020 XXXX from PNC Bank escalation department called me and stated it had already went to a collections department. They would not help me with the fees after I told her I had been out of work since XX/XX/2020 due to the COVID 19 virus and my line of work. I have banked with them for 15 years and she did not seem to care and there was nothing she could do. Due to these unprecedented times I would think they would be willing to work with me and not close my account over {$44.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
Good evening, I was transferred to " Fed Loan Servicing '' in XXXX of XXXX. Previous I was with " XXXX XXXX ''. I have reached out 3 times over 18 months, the latest time on XX/XX/XXXX, regarding an error in the number of " qualified payments '' I have made towards my PSLF loans, with no response other than " we'll be in touch ''. My PSLF number of payments are incorrect. As of XX/XX/XXXX, " Fed Loan '' shows i have made 38 qualifying payments. However, as of that date, my records show I have made 55 qualifying payments. I have been on an IDR since XX/XX/XXXX and have been a government employee since XX/XX/XXXX. I have submitted two ECFs in this time frame. I am thinking the problem arose when i was transferred to " Fed Loan '' as my servicer. I have my records from " XXXX XXXX '' which I also sent to " My Fed Loan ''. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I received a credit card from state employees credit union when i was a college student. At that time when i was in college i was poor and had a poor knowledge of how credit worked. I grew up in a family where financial literacy was not taught and they affected my knowledge and ability of how to utilize credit and pay it back. So while i struggled to pay the interest payments back i got behind and couldnt keep up. Once i got behind on the payments they closed my credit card. I fell on hard times and lost my job so i couldnt make the payments they wanted me to make so they closed and charged off my debt. I called to initiate a settlement and or a cheaper payment but they would not accept it. And after they wouldnt accept it they placed a negative remark on my credit profile and that negative remark has effected me for years to get an apartment in nicer places and from getting a decent interest on a car. I feel i have suffered long enough especially since I have tried to settle with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: NY

Complaint narrative:
Last application was sent to TransUnion on XX/XX/2020 and that was received on XX/XX/2020. This was second attempt to get unauthorized hard inquiries from my credit report. I have not received any reply for over 30 days. I have both copy of letter sent and proof of delivery through certified mail. 

I request your help in resolving this issue as there is clearly violation of Fair Credit Reporting Act.

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