vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I found out incorrect information has been reported to my XXXX  credit bureau from creditor name Barclay credit card. I'm an authorized user on my husband 's credit card account. First of all, I called Barclay company to report my husband 's death about a month ago. They told me that I didn't reliable for his debt for this account and account will be closed immediately. Today, I got a message from one of my credit monitor company show that I have delinquent 30+days past due for this account. I tried to call them this morning to get resolved for this issue. They told me to call their collection company and also said they will help me to solve this issue. After I finished talking to their collection company, they told me that they didn't have anything to do with dispute incorrect information on my credit report. I have to call Barclay company back, explaining everything from the beginning again. He put me on hold and told me that one of their department that handle the dispute will call me back, but I told him that I need to update my contact information because my phone # on their file is no longer valid anymore. He tried to update, but it was unsuccessful. Now, he told me that I have to write the letter to them because they can't update my phone #. I also filed a dispute with XXXX  credit bureau about this issue.

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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am currently trying to connect/link my personal checking account to a third party payment company known as XXXX to be able to set up payments for rent to my landlord. Im unable to do that for some reason and would like to know why. Its a trust worthy and secured website. Could you fix this problem please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: DE

Complaint narrative:
TransUnion is not investigating my dispute because they are not picking up the certified mail I sent them on XX/XX/2020 and I only receive error messages when trying to file a dispute online.

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 2020-07-10 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
In XX/XX/2019 I was injured on the job with the USPS XXXX Ohio branch. I was sent to university hospitals XXXX XXXX XXXX in XXXX for evaluation by said employer. I have a debt On my credit report for {$230.00} that i have disputed 4 times with equifax. Each time I dispute the response is that first federal credit control has verified the debt is mine. All bills for this injury are the responsibility of the USPS. I called first federal credit control today to request verification or a copy of the debt and was told to contact the hospital because their company has a large file and doesn't have that information orthe information to contact the original creditor. Acct # XXXX with university hospitals and the file number with first federal credit control is XXXX. CONTACT INFO for first federal credit control is : First federal credit control XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Original creditor University hospitals urgent care Acct # XXXX Billing dept Attn : XXXX Pob XXXX XXXX ME XXXX My social security # is XXXX XXXX XXXX however my birthdate is incorrect in the file as XXXX and my birthdate is XXXX. 

I called university hospitals and they would not change the billing I, information for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  XXXX XXXX repeatedly refuses to remove this fraudulent claim via Experian. Its not on XXXX  or XXXX. Here is the information : General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$500.00} Highest Balance {$540.00} Terms NA On Record Until XX/XX/XXXX Contact Info Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

XX/XX/XXXX Experian says XXXX says its correct again! 

Many years ago, I had a XXXX  credit card that payment was never late and was paid in full when, for medical reasons, I had to file for bankruptcy. XXXX  still refuses to remove this from Experian, and Experian refuses to correct it.

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 2020-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, Wells Fargo is yet again doing illegal activity. I made a principal payment of $ XXXX on XXXX and at that time my current balance was {$88.00} ( rounding up ) Since then I have made several payments as well as additional principal payments and the balance is now at $ XXXX. It appears that Wells Fargo did creative accounting so that they could continue to charge me interest on a high balance as opposed to correctly crediting my account on XX/XX/19. When the $ XXXX payment was made, the balance should have been $ XXXX, yet the balance id $ XXXX and I have made an additional $ XXXX towards the principal along with my monthly payment so the most my balance should be at right now is $ XXXX, not XXXX! 

Wells Fargo should not be allowed to get away with this and be fined a penalty. This is not the first time they have done this to me. The first time I bought their creative accounting explanation, this time I realized, it makes no sense! I should be given a credit for my overcharged interest as well! Wells Fargo keeps trying to make contact with me to try to convince me that their accounting is correct when it is absolutely wrong and they are still benefiting on interest charges off my incorrect balance! 

Wells Fargo has had a history of questionable activities and I can not be the only one that they are pulling this mortgage interest rate scam on!!!! I have various statements and they have questionable accounting and balances and are different on each statement???????

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
XXXX XXXX I filed a dispute with XXXX  in regards to a debt with The loan servicer, Navient. In my dispute I argued I've never taken a loan out with Navient, I don't know them and never signed a contract with them for a student loan. 

To this day, the debt still remains on my credit report as deferred because Navient supposedly reported certified information to XXXX   as accurate. Therefore the information was not changed. I'm not sure what certified information they could have used to show the information reported as accurate however I have yet to see any such information. It is clearly false information since I have never heard of, seen or signed any legal documents with Navient. 

The loan amount balances : 1. {$54000.00} 2. {$4000.00} 3. {$2200.00} 4. {$4400.00} 5. XXXX XXXX 6. {$670.00} I have no idea why these loans exist on my credit report, however I would like to resolve this issue as quickly as possible. This is a case of stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Revolving XXXX credit account in good standing was terminated by Experian in error in XX/XX/2020. At that time I filed a dispute against the existing balance, as I had paid it off completely and it had not been reported. Instead Experian deleted it and I discovered the error about 2 weeks later when my credit dropped 24 points and pointed out the mistake. However, Experian refuses to correct the error or contact XXXXXXXX. XXXX says they are reporting the account as active but refuses to contact Experian to clear it up.

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 2020-07-10 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: United PanAm Financial Corp.
State: NJ

Complaint narrative:
This account belong to my ex i didnt knew she didnt pay it off and when i went to see my credit the account was charged off im trying to take it out and they dont want to i made a payment arrangement but they still dont want to remove i didnt know that account was negative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: DE

Complaint narrative:
All information Loancare ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) is reporting to the credit bureaus is inaccurate for the following reasons. ( Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with Loancare ( a subsidiary of XXXX XXXX XXXX also called XXXX ) prior to XX/XX/XXXX. Loancare/XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with Loancare/XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX Mortgage. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with Loancare/XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying LOANCARE until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.

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 2020-07-10 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: TN

Complaint narrative:
I sent a Second Letter to Experian via USPS Express Mail which they Received on XX/XX/2020 after Receiving the Initial 30 Day Dispute Results.. 

Experian File Number XXXX It was a Method of Verification Letter under F.C.R.A Section 611 ( a ) ( 7 ) which requires them to provide me with the Description of all the Methods of Investigation..complete list of Correspondence and Original Documentation ... Name of Employee ( s ) who did the Investigation and how they came up with their Conclusions..

They were also supposed to give me their Response in 15 Days according to my F.C.R.A Section 611 Consumer Rights ...

Experian has Failed to Fulfill their Obligation on this Matter ...

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 2020-07-10 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:
Good morning, I recently checked my credit report and noticed a couple of accounts that I do not recognize. I believe my identity has been compromised. I am not sure what to do but please help us in this matter in getting this issue resolved in a timely manner. I thank you in advance. The accounts are reporting as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. None of these accounts have I ever been in business with or ever even heard of. This is really stressful for me because I can not use my credit for anything with these accounts that were obtained fraudulently and now I am getting penalized for it. Please help 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 2020-07-10 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: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX, XXXX  and XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in America. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX   would delete a certain account on my file but transunion will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On or about XX/XX/20 I contacted XXXX XXXX to enroll in their program to transition my balance to an installment loan. The Covid 19 pandemic made it impossible to pay the entire balance off, due to my business being temporarily closed. The agreement that was made stated that the balance would be paid over 3 years at {$440.00} per  month. This amount includes an agreed upon interest rate that is according to the fair market conditions. I specifically asked if this would be reflected in my credit report and was told that the payments and balance would reflect on my report ( s ). 
On XX/XX/20 I applied for a rental lease agreement and was denied specifically for a large collection account from XXXX XXXX. Unbeknownst to me XXXX XXXX had turned my account into a collection and not applied the two payments I had made according to the new agreement. 
XXXX XXXX is charging off my account and then accepting payments on the balance with interest, and NOT reporting this to my reports. This is fraud in my opinion. Please investigate this, I am in dire need of help. I can not rent with this on my report and my be homeless in 6 weeks. PLEASE HELP.

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 2020-07-10 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: NJ

Complaint narrative:
This account belong to my ex i didnt knew she didnt pay it off and when i went to see my credit the account was charged off im trying to take it out and they dont want to i made a payment arrangement but they still dont want to remove i didnt know that account was negative

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 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
{$3.00} charge every month of XXXX ( monthly fee )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: FL

Complaint narrative:
Good morning, I recently checked my credit report and noticed a couple of accounts that I do not recognize. I believe my identity has been compromised. I am not sure what to do but please help us in this matter in getting this issue resolved in a timely manner. I thank you in advance. The accounts are reporting as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. None of these accounts have I ever been in business with or ever even heard of. This is really stressful for me because I can not use my credit for anything with these accounts that were obtained fraudulently and now I am getting penalized for it. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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:
Good morning, I recently checked my credit report and noticed a couple of accounts that I do not recognize. I believe my identity has been compromised. I am not sure what to do but please help us in this matter in getting this issue resolved in a timely manner. I thank you in advance. The accounts are reporting as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. None of these accounts have I ever been in business with or ever even heard of. This is really stressful for me because I can not use my credit for anything with these accounts that were obtained fraudulently and now I am getting penalized for it. Please help 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 2020-07-10 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: NY

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from 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