vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Funding, LLC is reporting a collection account on my credit report that does not belong to me. I don't recognize the reported account. This is a request for the collection to be deleted from XXXX, XXXX, & XXXX. 

I asked the company to validate with a contract and proof of signature. This document doesn't exist, they never provided it because the account isn't mine. I have never had a card with XXXX nor a mastercard with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
I was sick in the Winter of XXXX and then got XXXX at the beginning of this year. Due to those hospitalizations, I did not receive a lot of mail on time. One of those mailings was from XXXX who turned it over to be collected by Southwest Credit Systems a.k.a. Southwest Credit Group. When I got well, I tried to call XXXX and they informed me they had already turned it over. I then immediately called SWC Group and paid the bill. I then asked politely for it to be removed from my credit so that I didn't have to suffer a bad ding on my credit for the next 7 years ( SWC Group had only put it on my credit in the middle of XX/XX/XXXX ) and I was told that they don't remove but would mark it paid. This is not acceptable. It was only on my credit for 2 months and I didn't have a chance to dispute it, validate it, or pay it prior to it being put on my credit, because I didn't get the notice in the mail. 

I then wrote a nice and professional letter to the CEO of SWC Group, XXXX XXXX, asking him in good faith to please remove this from my account, but I never got a response. 

I am a Veteran, who served this country in the XXXX XXXX and can not even get my VA loan to purchase a home due to this issue and I do not believe it is right. I can understand if I let it sit on my credit for years and ignored it, but I took care of it right away and expect them to be understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TN

Complaint narrative:
they contacted me XX/XX/2020 through email saying i owed my previous landlord an unpaid amount of XXXX it went on to say that i owed unpaid rent of XXXX or so as well as a late fee pf XXXX or so and a clean up fee for my wife smoking in the apartment of XXXX dollars. I then told them that I did not owe him anything, they replied by saying that they asked him for verification of the debt they then sent me an encrypted message containing my old lease agreement. I thanked them for the information but asked why do you think that I owe my landlord money there response was to report it as a debt 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 2020-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/2020 I tired to attach my banking account ( PNC ) to my XXXX XXXX trading account. Apparently PNC has made changes that have prevented me from using them to fund my XXXX XXXX account. I do not fully understand why PNC bank would do this, but i think it is wrong. I should be able to put my money wherever I want. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX, XXXX is reporting a collection account on my credit report that does not belong to me. I don't recognize the reported account. This is a request for the collection to be deleted from XXXX, XXXX, & XXXX. 

I asked the company to validate with a contract and proof of signature. This document doesn't exist, they never provided it because the account isn't mine. I have never had a card with Citibank nor a mastercard with Sears.

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 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2020 I checked my XXXX credit report and noticed a collection from Jefferson Capitol Systems was placed on my credit profile for a XXXX debt of {$400.00}. I proceeded to call the company but no answer due to the weekend. I did use the automated system that then told me the alleged debt was transferred to another company XXXX XXXX XXXX. If the supposed debt was with XXXX XXXX, then why does their automated system tell me it was transferred. How can XXXX XXXX report on my credit profile something they dont own? I also did not receive any notification of the alleged debt from either company giving me 30 days to dispute the information and request verification of alleged debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: CA

Complaint narrative:
It has been over 60 days since I've sent out my complaint to the credit bureau and have not received any response. From what I have read this is completely against FCRA guidelines and I hope you guys can assist in finally getting this resolved.

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 2020-06-13 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: NV

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
Consumer complaint received 2020-06-13 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: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Please see attached letter from Comenity Bank dated XX/XX/2020, the letter advised that finance charges are postponed on the disputed amount during the investigation. Therefore, please credit the {$10.00} in finance charges assessed on XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
In late XXXX, I became unemployed as a direct result of COVID-19 travel restrictions, and several of my credit accounts entered deferral status. I am now employed again and applied for an Apple Card, which is issued by Goldman Sachs Bank. My application was denied, because the issuers of my credit accounts, in violation of their own terms for COVID-19 deferrals, reported my accounts as past due and over limit, and Goldman Sachs knowingly relied on a credit score improperly skewed by negative information resulting from COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
My loan with Freedom Mortgage has been on a Covid forbearance since XX/XX/2020. Since then they have increased balance a few times and have reported these increases to all three credit bureaus. As per the Covid bill this shouldnt be happening. 

To explain, my mortgage balance before forbearance was {$460000.00} and on XX/XX/XXXX they reported a balance of {$460000.00}. I called them that same day and they said someone would call me back to discuss. No one did. On XX/XX/2020 I wrote them an email and asked them to correct my balance on my credit reports. I received an email receipt confirmation stating that someone would be in contact. To date no one has. As of XX/XX/XXXX theyve reported another increase in my balance, which is now {$470000.00}. Ive written them another email asking them to respond. At this point theyve made no effort to resolve this with 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 2020-06-13 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: CA

Complaint narrative:
It has been over 60 days since I've sent out my complaint to the credit bureau and have not received any response. From what I have read this is completely against FCRA guidelines and I hope you guys can assist in finally getting this resolved.

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 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I checked my XXXX credit report and noticed a collection from XXXX XXXX XXXX was placed on my credit profile for a XXXX debt of {$400.00}. I proceeded to call the company but no answer due to the weekend. I did use the automated system that then told me the alleged debt was transferred to another company Dynamic Recovery Solution. If the supposed debt was with XXXX XXXX, then why does their automated system tell me it was transferred. How can XXXX XXXX report on my credit profile something they dont own? I also did not receive any notification of the alleged debt from either company giving me 30 days to dispute the information and request verification of alleged debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Two hard inquiries by XXXX from XX/XX/XXXX must be removed. I have two investigation letters from XXXX ( one dated XX/XX/XXXX and another dated XX/XX/XXXX ) requesting TransUnion ( and the other 3 reporting agencies ) REMOVE the duplicate hard inquiries on XXXX XXXX. TransUnion has yet to REMOVE them, and it is XX/XX/XXXX and my credit rating suffers : I am in the midst of refinancing and will pay a HIGHER interest rate if these TWO hard inquiries are not removed. 

On XX/XX/XXXX either Trans Union of XXXX XXXX XXXX ( XXXX ) entered TWO identical hard inquiries onto my credit report. Neither admits fault. I contacted both Trans Union and XXXX. XXXX investigated and asked via letter that all four agencies remove the inquiries on XX/XX/XXXX. TransUnion has not. They shift blame to XXXX. I contacted XXXX again & they offered to send another letter which I received last week. I have tried on TransUnion 's web site and contacted them via phone but neither has been successful. I can not dispute a hard inquiry on their web site & tried to do so by explaining it using an 'account ' dispute but they simply disregarded my explanation & closed my request. Please help. 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 non-monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I received a title loan from Title Max in XXXX, GA. I set up reoccurring payments and was never contacted about my loan being a problem. I came out late on a Saturday afternoon to find my car towed with no notice. While I was home. With all my belongings. I immediately called and they were closed long before the time of the tow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NV

Complaint narrative:
These are not my accounts nor did I authorize these companies from pulling my credit. 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
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I received a letter in my mailbox that apparently this AFNI company or whatever, telling ME that I have to pay {$610.00} out of a supposed {$940.00} to settle a XXXX debt I have never heard of within a month or else they'll treat it as " legitimate ''. I am cautious about whether to contact them in any form as I fear they'll purposefully waste time. I received the letter in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NV

Complaint narrative:
These are not my accounts nor did I authorize these companies from pulling my credit. 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
Consumer complaint received 2020-06-13 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-06-13 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-06-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
The CARES Act allows borrowers with government backed mortgages ( e.g. XXXX XXXX and XXXX XXXX ) to defer payments up to 6 months, with a simple claim they have encountered financial hardship because of Covid 19 pandemic. The mortgage holder / loan servicer is to defer payments for up to six months without documentation of hardship. At the end of the six months, the borrower can choose to take an additional 6 months deferrement, pay the amount deferred, modify the monthly payment amount, or extend the maturity date for the months of deferrment. It is understood that the normal interest accrual will continue during the deferrment period. 

Numerous source documents, including the CFPB website, reflects this information. 

PNC Mortgage requires an application, proof of hardship, and allows only 3 months forebearance, after which the loan must be brought current with a lump sum payment ( 4 months payments ). PNC Mortgage reserves the right to offer loan modification ( e.g., increased monthly payments ) as an alternative to the lump sum payment. However, going into the 3 month forebearance period, the borrower has no certainty of what PNC Mortgage will require. 

I spoke with, and emailed with, XXXX XXXX, XXXX. She claimed that PNC Bank was awaiting clarification from the federal government about the policies, and claimed that the CARES Act was not clear. 

After I emailed her that I intended to take the option of deferring payments for 6 months on my government backed loans ( one XXXX XXXX, one XXXX XXXX ), and having the maturity date extended by 6 months, I received documents informing me of a 3 month forebearance, after which I must make a 4 month lump sum payment to bring the loans current. This contradicts the CARES Act, and the CFPB guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I've reached out to customer service on numerous occasions trying to rectify the problem which didn't work apparently there was an issue on moneylion end where they didn't process payments for part of the month of XXXX of XXXX and caught their mistake to which they initiated the payments on back to back days nearing the end of the month fast forward to the month of XXXX of XXXX they made an error again where as they stated I missed payments which I contend I did not which my bank statements are supporting documents because of their mistakes/errors I had to agree to a new term which extended the loan and not only that they've reported my loan as delinquent to the credit bureaus twice even after I agreed to new terms upon looking over my bank statement Moneylion failed to initiate the payment of {$9.00} but did debit the membership fee of {$4.00} which is an error on their part as both the loan payment and membership fee are supposed to be debited on the same day my account always has sufficient funds to cover any bills that I have to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for XXXX cc accounts ( XXXX consumer and XXXX for my company ) back in XXXX of last year. I had built my credit up over a period of a few years to the high XXXX 's and hadn't had any cc 's for a number of years so decided to apply for a few to take advantage of some of the perks and benefits ( travel miles, cash back, etc ) that many of of the CC companies offer these days. I was approved for the XXXX mentioned above with Chase ( plus a couple others from other institutions ). At the end of XXXX my work took me to XXXX XXXX and in XXXX, the whole Covid crisis hit and my business was dramatically impacted ( not for the better ). 

Luckily ( or so I thought ) I had the credit cards available as a back up to keep things going. While I did wind up having to max them out, I never once missed a payment ( nor was I ever in any danger of doing so as things were beginning to pick back up ). Imagine my surprise then when not XXXX, but all XXXX of my cc 's with Chase were closed all at once in XXXX. This ultimately wound up putting extra strain on my business as I was unable to access any funds I had paid down as things were still not consistent even though business was picking back up. 

I have been with Chase for 10 years and have tried getting in touch with them regarding this matter. So far, I've only been able to speak with someone from an outsourced country who clearly has zero power to address any of my concerns. On XXXX occasions, they merely took my information down then said I would be getting a letter in the mail indicating their decision and that someone from their XXXX offices would be calling me. While I did receive a letter, I never heard from anyone to give me an opportunity to present my case. I have been treated as a number and not a person. My middle FICO score is still in the XXXX 's and to this day haven't been late on any financial obligations in over a decade.

Company response to consumer: Closed with explanation