vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Issue is with Equifax Information Services, since XX/XX/XXXX. I have not had access to an Equifax score of any kind. Every lender that has tried to pull my credit has not been able to access an Equifax score of any kind. I called Equifax on XX/XX/XXXX when i was denied for a loan, when a prospective lender said i had no credit history, so i reached out to Equifax and i was told to answer some questions to prove my identity and mail in my Drivers License and Social Security Card. I was told to that in two weeks everything would be fine. Well in early XXXX, i ordered my Equifax Credit Report, when it arrived it showed my 12 accounts ( open and closed accounts ), I was doing this to prepare for refinancing my home. 

In Mid XXXX, i applied to a lender, my XXXX and XXXX   Credit Scores showed, but no Equifax Score, so i reached out again to the XXXX XXXX and i went to the same process, answer some questions send in my Drivers License and Social Security Card and  give us 2 weeks. No Equifax Score. 

In Mid XXXX, i applied same experience, visible XXXX and XXXX Credit Scores, but no Equifax Score, so i reached out again to the XXXX XXXX and i was transferred to the Global Consumer Dept, I went to the same process, answer the identity questions, this time the said FAX in my Drivers License and Social Security Card and call back in 72 hours, No Equifax Score. 

On XX/XX/XXXX, i applied to a Mortgage lender and i had the same experience, my XXXX and XXXX Credit Scores showed, but no Equifax Score, I am attaching the Letter from the Lender.

I need Equifax to stop this process from happening. I have called enough, i have sent in enough documentation. XXXX and XXXX are not giving me this headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
My husband & I have a Trust and decided to re-finance for a lower rate. There was to be 2 closings ( one for Trustee to take property in and out of the trust, and the other on XX/XX/XXXX for my husband & I to close the refinance contract in the amount of {$230000.00}. ) With the closing, we requested {$29000.00} cash to close. The disbursement date was to be XX/XX/2020. On XX/XX/2020 I sent an email to the title company, providing the Trustee 's contact information. On XX/XX/XXXX I specifically requested 2 separate closings ( with us and the Trustee ). It took the Mortgage/Title company from XX/XX/XXXX to XX/XX/XXXX to determine that Trustee paperwork had not been completed. Finally Trust paperwork was signed and notarized XX/XX/XXXX, so again we expected our {$29000.00} to be disbursed. Today is XX/XX/XXXX and apparently more Trust paperwork was missed or has to be re-signed. On XXXX XXXX another confused notary called us to schedule yet another set of Trust closing documents. AS OF XX/XX/XXXX our OLD MORTGAGE HAS NOT BEEN PAID OFF ( making our mortgage payment {$190000.00} PLUS interest late. ) Expecting our $ XXXX to be wired to our bank, we scheduled payments to our credit card companies. SO we were not able to pay those bills - making them late/missed payments. It is WRONG that our new Mortgage has been set up in the system, and we now owe the 1st mortgage payment on XX/XX/XXXX. How could our Mortgage debt be set up, yet the Mortgage/Title Company still won't release our cash back funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: OH

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. USDOEXXXX XXXX {$81000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: OH

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$81000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My mortgage acount with Chase is not being reported to XXXX due to an " internal credit agency policy ''. According to Chase, the data is accurately reported to XXXX. According to XXXX, the data is not being accurately sent by Chase. 

This same account shows up accurately on all other credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Tried to open my account with XXXX XXXX with my back will not let me link it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: NY

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXXXXXX XXXXXXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My complaint is against Bank of America. 

Bank of America was making monthly automatic payments to XXXX   XXXX XXXX from my BOA checking account. In late XXXX, the XXXX XXXX XXXX was paid in full and the account closed. Inadvertently, Bank of America made one extra payment to XXXX   XXXX for {$2600.00} on XX/XX/2020, after the XXXX XXXX XXXX   account was closed. I contacted both XXXX XXXXXXXX and Bank of America as soon as I discovered the debit from my Bank of America account. Both institutions assured me that the overpayment would by credited back to my Bank of America account. 

After several weeks of not seeing the refund post, I initiated a case with Bank of America, first trying their telephone support and later through their messaging center. 

XXXX XXXXXXXX sent a letter to Bank of America on XX/XX/XXXX, stating, " Enclosed please find check number XXXX dated XX/XX/2020 in the amount of {$2600.00} ... '' I am attaching the complete letter below. 

On XX/XX/2020, I received a message from Bank of America stating, " This credit will post to your account within 5 to 7 business days ... '' I am attaching the complete message below. 

After seven business days the credit still had not posted. 

On XX/XX/2020, I received another message from Bank of America stating, " This credit will post to your account within 5 to 7 business days ... '' I am attaching the complete message below. 

I am attaching all written correspondence I have had with XXXX XXXXXXXX and Bank of America. 

On XX/XX/2020, I went to the Bank of America XXXX office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I spoke at great length with the branch manager, XXXX XXXX. He assured me that the matter would be rectified by XX/XX/2020. Mr. XXXX is not taking or returning my telephone calls at this time. 

In addition, today I discovered that every message concerning this case in my Bank of America account online web page has been mysteriously deleted. Fortunately, I made copies before these disappeared.

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMC CHASE, XXXX XXXX XXXX  has reported incorrect account on my credit report. XXXX XXXX Account was removed but XXXX   unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX   refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: MI

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have recently reviewed my credit report and I would like to inform you the inaccurate reporting on my credit file. I am requesting under the Fair Credit Reporting Act ( FCRA ) 15 USC section 1681i, that a investigation on this account from Common Wealth Finance for XXXX XXXX XXXX for XXXX this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Im trying to link my XXXX card to my checking account and they won't link. Please fix this thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: NJ

Complaint narrative:
In XX/XX/XXXX, a XXXX leased by my brother, of which I am a co-signer, was towed because it was parked on a public street with an expired registration. The car was unable to be retrieved from the impound lot because the XXXX Offices were closed due to COVID pandemic and a new registration could not be obtained. In XX/XX/XXXX, XXXX retrieved the vehicle and my brother paid approximately {$2300.00} to take possession of the vehicle. XXXX reported this actions as a repossession to all three credit bureaus. My credit score dropped from XXXX to XXXX. 

XXXX incorrectly reported that the account had an overdue balance of {$1900.00}, and was closed. I disputed the delinquency with all three bureaus. XXXX corrected the issue, and my credit score as of XX/XX/XXXX was back over XXXX. Experian corrected the information but did not adjust my credit score. XXXX is still processing the dispute. 

I am here to formally complain about Experian. It is impossible to speak with a representative of the company. I have ZERO late or delinquent payments in my 17 year credit history. The current credit score given by Experian is significantly impacting my life. Experian should correct my score to reflect that the XXXX retrieval was no due to missed or delinquent payments, is currently open, and in good standing. There is an exceptional payment history on that account. 

XXXX has me over XXXX, Experian below XXXX. Obviously this is an error on the part of Experian and must be addressed.

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 2020-08-05 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: NC

Complaint narrative:
I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There are 2 names and 5 addresses that are inaccurate. On XX/XX/20, I mailed a letter to Equifax asking to please make these changes. They did not respond and also did not make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My names is XXXX XXXX and I am a resident of the state of Georgia. My mortgage servicer PHH Mortgage Services and I have been having accounting and servicing issues with my mortgage loan. My payoff is wrong amongst other accounting issues. I sent a QWR to PHH Mortgage Services. PHH sent me a letter back stating that XXXX XXXX, XXXX. was the owner of my loan. In XXXX of XXXX I decided to call XXXX directly to discuss my payoff. When I called XXXX XXXX  they stated that they did not have my names, address or social security number in their data base. XXXX also stated that they do not own my loan or property. I called again in XXXX of XXXX to make sure the information that was given unto me was proper and valid. In XXXX I was told the same information. XXXX does not own my loan/property ; nor does XXXX have record of my personal information within their systems. 

In XXXX a XXXX party debt collector ( XXXX XXXX. ) sent me a letter stating that his firm was attempting to foreclose on my home on behalf of PHH Mortgage Services and XXXX XXXX. 

The Supreme Court of Georgia ( You vs. XXXX XXXX XXXX ) ruled about 6 years ago that only a secured creditor has the authority to foreclose. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX of Georgia ruling ) states that only the secured creditor has the authority to authorize/advertise a non-judicial foreclosure in Georgia. 

I have put PHH Mortgage Services and XXXX XXXX. on notice that XXXX does not own the loan. However, PHH Mortgage and XXXX XXXX. are still attempting to collect a debt on behalf of XXXX XXXX XXXX. These actions are illegal. This is theft. This is immoral and needs to be addressed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: DISCOVER BANK
State: UT

Complaint narrative:
In early XXXX I received a call to serve as a XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 2 years in the interior of XXXX XXXX XXXX. Because of the unique requirements and difficulties of missionary service, I knew that I would not have access to a computer, or the internet. At that time I decided to close my Discover Credit Card Account, knowing that I would not need it, and that I would not be able to see or access statements, or in anyway communicate with Discover.  I then called Discover, and informed them that I wanted to close my account for the reasons stated above. The customer service agent responded by encouraging me to freeze my account, instead of closing it, to avoid damage to my credit and giving me the option of unfreezing my card when I returned to the United States. I asked the Customer Service representative twice if my card could be charged in anyway, and he affirmed that having the card frozen would be essentially the same as having the card cancelled. I then decided to freeze my card because of the promise given to me by Discover before I started missionary service in XXXX of XXXX. 

In late XXXX my father, out of an abundance of caution accessed my credit card account with information that I had provided him to check on my credit card accounts. He found that discover had posted charged to my card well after the card had been frozen. We contacted Discover,  found that they were residual charges that had been posted months after I had no more access to a computer, and resolved the issue. In Early XXXX I became aware of credit card charges that had again been posted to my frozen card by seeing that they had significantly impacting my credit score, causing it to drop by around 100 points. We again contacted Discover to explain that these were not charges that I had agreed too, ( they probably resulted from some XXXX subscription activated by accident by my younger brother while I was in XXXX ) that my card had been frozen under the idea that this couldn't happen, and that my credit score had been damaged. 

Discover recommended that we enter into a dispute against the charges, saying that was the only way we could have them removed. We tried that, explained what had happened, but received no resolution. I had too instead pay the charges, and live with the damage to my credit score. The charges were small amounts, less that {$30.00}, and I was happy to pay them, even if they were only charged because of a predatory subscription system without my consent and because of bad information given to me by Discover employees, but I do wish the damage done to my credit score to be resolved, as this issue is still negatively effecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC bank will not allow linking with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: NC

Complaint narrative:
I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is 3 name, 3 addresses, and 2 previous employers that are inaccurate. On  XX/XX/20, I mailed a letter to Trans Union asking to please make these changes. They did not respond and also did not make any changes.

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