vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX

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

Complaint narrative:
Recently applied for credit with XXXX XXXX for credit with XXXX but I was told by the above bank that a code come back to the bank from TRANSUNION CREDIT SERVICES : : The code is : : " XXXX '' after the bank " Decodes it the statement comes up by the bank XXXX XXXX and it lists the following Statement : '' Credit History Indicative Of Potential Invalid Identity '' Ive been reaching out by phone to Transition Credit Services since last year every time the Tranunion customer agent try to access my credit file its saying by the agent that a specialized agent with their fraud dept is handling my credit file, and that dept is always unavailable ( since last XXXX  ) Im able to leave my phone number so they can return my call, but as of Today : XXXX no one has contacted me back and my issues remain unresolved by Transition Credit Services ! !!

im hoping this complaint may receive some action to get to the bottom of this situation..

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 2020-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have the TransUnion app that allows consumers to place freezes on their credit file when the are not needing to apply for credit. I recently applied for credit and it says that transunion can't determine if there is a freeze on my account or not. It provides a toll free to call. I have called the number several times and when trying to use the toll free line to remove the freeze it says there is no freeze on my credit file. When I speak to a representative they a telling me that my account is being handled by a specialized fraud prevention team or department and they are the only ones that can access my file. This department they're telling me is not operational at the time. This is putting an undue hardship on my the consumer. The company I am applying for credit with using Transunion services and will not extend me credit or allow me to open an account until they receive my report from Transunion. I have never contacted by transunion giving me any indication that there is suspected fraud on my file. Furthermore, I have recently pulled my report and they have my name address, email address and phone number and all is corrected. If they suspected fraud on my account why has no one contacted me. I have also pulled my report and the information is correct with the exception of a few late payments which I plan to dispute. I need this resolved 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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: MA

Complaint narrative:
This showed up on my credit report. It is not my debt and the company took no responsibility for it when I called them. They would not help me and suggested that I file a complaint. A screen shot of their entry on my credit report is attached : COLLECTION : Highest Balance : {$530.00} Amount Due : {$320.00} Company name : CBHB XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have attempted to correct the problem with Chase finance but they are telling me that the report is correct. I leased my vehicle with Chase last year. On XX/XX/XXXX a payment should of been auto drafted out of my account. I was under the assumption that I was set up on auto pay with Chase. Well apparently not because my lease went past 30 days as unpaid. I received a call from Chase and disputed about the issue. I made the payment and continued to dispute the issue about the auto pay. I've made multiple attempts to try and fix it with Chase but there cusgomer service has not been helpful. Also, I've contacted all three creditors to get the problem resolved.

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

Complaint narrative:
Experian did not fix the inquiry errors on my credit report, instead they accused me of being a credit company.

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 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
I am being contacted by Gurstel Law who is a debt collector. They are saying that I owe a certain debt. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Gurstel Law is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: MN

Complaint narrative:
i was unable to view my account for my card online there was a prompt saying that unauthorized purchases needed to be reviewed for some kind of fraud issue. i called in and i was told that i needed to use docu sign to authorize to have my tax papers reviewed to confirm my identity. I was misled and there was no fraud. I was also told with the current pandemic this could take weeks and my card may or may not allow for purchases. I advised this is not the best time to do this as the world is experiencing a pandemic and stopping a card at this time could hurt a customer financially. I am not sure what other customers are going through this, but this shouldn't be allowed during a time like this. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
We originally received a statement from Shellpoint Mortgage Servicing stating we owed over {$6000.00} after taking over our mortgage from XXXX. After filing a complaint, we are in receipt of a new letter stating we now " only '' owe {$2600.00} for " Bankruptcy Legal Fees ''. We have not filed for bankruptcy. We believe something is amiss here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: PA

Complaint narrative:
I have repeatedly disputed this account asking for validation from the company, and I have not received anything from them. I paid on the account a long time ago because an agent from the company told me I had to to make my credit better. As i was making payments I saw my score dropping. I called and the agent told me that paying them was helping me, but I don't know who they are or why paying them would help me. I have since been advised that agents are not allowed to give credit advice. I feel that between the " advice '' I was given, and the lack of validation when requested makes this a very interesting FCRA case. Please help me sort this mess out!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
During the process of a mortgage application I strongly disagree with the method the underwriters calculate my monthly debt. Its fabrication. 

To calculate my debt, I disclosed my loans and credit card payments made every month. They divided my actual MONTHLY credit card payments by 67 months and used that number as my actual monthly credit card debt. This was despite showing them proof of over 12 months of regular monthly payments. Thereby decreasing my real credit card debt to approve a mortgage with a fabricated debt to income ratio. If they used my factual data my expenses exceed my new reduced income ( due to Covid-19 ).  Thats over a 100 % debt to income ratio. 

I was told that this process of calculating debt is a rule from the Dodd-Frank act and they can not consider my actual monthly payables! However, I feel this goes against the grain of the act! By this rule, lenders actually encouraging people to take a 3-5 % mortgage and pile up 18-25 % credit card debt, if they cant afford to pay it all!!! Because in my case I can not pay mortgage if I pay my credit card bills. I have to choose. I only realized this, as my husbands salary got cut to half due to Covid-19 but the loan officer insisted that I was going to be approved despite my home math didnt add up to cover monthly expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I disputed Portfolio Recovery with the credit bureaus and sent them the verification that they sent me, which was not a signed contract. The bureaus keep saying the collection meets FCRA requirements but how is that when I have NO CONTACT WITH THIS COMPANY. The sent me a billing statement but no contract.

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

Complaint narrative:
EQUIFAX continues to report this one fraudulent account on my credit report and refuses to report the other 6 accounts that do belong to me ... ... they are not giving me a score because of that ... .and I have repeatedly tried to get this corrected with no progress. 

Capital One does not belong to me!! Acct # XXXX I have 6 other accounts that are not reporting and definitely should be : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/CREDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal is holding my money without giving me any reason. I have tried multiple times to make a withdrawal and each time it fails without giving me a reason, saying to try again later. Paypal agents told me that it would be fixed if I tried again 24 hours later. It has been over a week and still not fixed.

The total currently being held is {$7200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
CFPB, this is my third complaint to you regarding Citi 's unfair practice towards its customer. The reasons I keep writing these complaints are : ( 1 ) I have not received a satisfactory answer and resolution from Citi, and ( 2 ) I strongly believe that this is an unfair and deceptive practice/policy of Citi that others might be victims of ( I have read similar complaints in XXXX  and CFPB ). 

Please try to put yourself in my shoes and tell me if this happens to you, it does not cause frustration and anger because you know it's a policy that victimizes the customer. 

Please read my previous complaints for details, but in a nutshell my family savings was locked on XX/XX/2020 under the excuse of " being reviewed for fraud '' and " being reviewed for closure ''. No one in the Fraud Department or Executive Response Unit ( ERU ) was able to confirm why because it is being reviewed by the " back office '' of which no one even at Citi is able to contact. They told me to wait 30-60 days for an explanation, then another 30-60 days for the account to be closed. So under this ridiculous policy, a customer can be locked out of their own money for a total of 120 days. 

It was only after multiple complaints to CFPB and XXXX  they finally released the funds. That is 63 days after many frustrating calls, emails, and complaints. Hours have been lost. Money have been lost ( I had to take a loan with transaction fee because I could not access my money ). Time have been lost. 

And the explanation Citi provided on why they close my account? Tell me if this is a satisfactory explanation : " Citibank maintains the right to close an account " ... at any time with or wihtout cause. '' We may try to notify you in advance should this be necessary, but we are not  obliged to do so. '' So it's a non-explanation explanation. So they threw their customer on the curbside because of what exactly? So Citi is saying to me : " We don't want you as a customer for reasons that we will not share with you, but we have no issue keeping your money during the long process, because we can make more money out of it for ourselves! '' Did they address the loan that I had to take? No. Did they address the lost time and potential interest? No. Not even an apology, just a cold letter with unsatisfactory explanation. 

Do they really expect me to accept this unfair treatment just because it is part of their " policy '' and " customer manual ''?

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 2020-05-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Equifax, with my membership, provides me with pre-approved credit card offers to consider applying to. In XXXX of XXXX, they sent me a " pre approved '' offer for a XXXX card through XXXX XXXX XXXX. I applied, was approved for the credit card pending providing my bank account information. My e-mail message for this announcement was inadvertently deleted and a few months later, XXXX sent me another reminder to provide them with this information with a message that said " reach out to us again to re-apply '' as I had passed the 30 day timeframe to respond. Per advertising messages sent to me, from Experian, regarding this pre-approved offer, I applied a second time. The response from that application was " can not verify your identify '' I submitted the same information, my info had not changed yet they could not confirm my identify. A few months later, Experian again sent me another XXXX card advertisement saying this card was a match for me. I applied a third time and again, got the " can't verify your identity '' message. 

This resulted in XXXX XXXX XXXX XXXX hard inquiries on my credit report. The first in XX/XX/XXXX, second in XX/XX/XXXX, and the third in XX/XX/XXXX. 

Experian says " not our problem '' however, based upon Experian 's algorithm and advertising to me specifically for my XXXX XXXX, that is why I applied in the first place. They told me I was pre-approved, continued to push out information to me as a consumer indicating I should " try again '' and the result was three, hard inquiries on my credit report and no approved application due to " can't verify your identity '' Experian sends misleading promotional advertising to consumers leading them to believe they are " pre-approved '' when they may not be. They continue to encourage " trying again '' when based upon what XXXX XXXX said was " too many attempts '' a denial of their card. 

I want these three hard hits to my credit report removed immediately.

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 2020-05-08 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: FL

Complaint narrative:
On or about mid XXXX I contacted XXXX who handles XXXX of my XXXX XXXX. 
I told them that I was being impacted by Covid 19 and asked if I could make a lesser payment than what was due. 
They said yes, and I paid {$100.00} on each card. 
When I called back in to do the same thing in XXXX, I was told that they had sent my file to collections, and then they reported me as 30 days late on both cards to the credit bureaus. 
The Supervisor I spoke to XXXX at XXXX said he could not help me as I was 30 days late, even though they had agreed to a partial payment. He said it was a technicality which I find astounding in the face of Covid and me voluntarily reaching out to them to make payments.

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

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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