vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.

Complaint narrative:
Me. XXXX contacted me on XXXX2021 to let me know that my loan was cleared to close. After my ongoing issues with PNC, I was very happy to hear this. While XXXX was pleasant and caring, when I checked the closing cost, I noticed that it was incorrect. XXXX informed me that I qualified for a {$1500.00} grant and my realtor submitted an addendum stating that the seller would credit me {$2000.00} toward the closing cost. None of this was properly reflected in the closing cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Account Name : BK OF AMER Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$110.00} Reason : Identity theft Please remove it from 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 2021-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE " 7 '' HARD INQUIRIES ON MY EXPERIAN CREDIT REPORT. I AM REQUESTING THEM ALL TO BE REMOVED

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 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened my regions account on XX/XX/XXXX. 
I dont have another bank account there. They only report account openings when a bank account is in your name. My credit report shows 2 bank accounts when I only have 1 bank account and debit card. Temporary cards are not reported to your credit so they must have opened an account fraudulently when they gave me a XXXX debit card. On XX/XX/XXXX a new bank account was reported.

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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
REQUESTING EQUIFAX TO REMOVE " 4 '' HARD INQUIRIES FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
REQUESTING TRANSUNION TO REMOVE " 2 '' HARD INQUIRIES FROM 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 2021-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Money was stolen from bank account from an unknown merchant in Texas. I called to dispute the claim on the phone, got done with it and they said they would contact me. They denied it saying I did make the purchase but I live in California so that's impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: NC

Complaint narrative:
Equifax is reporting information on my credit file from a third party vendor and not the original creditor. By law a credit bureau can not report a third party vendor on anyone 's credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: CL Holdings LLC
State: AZ

Complaint narrative:
I found several addressed several misspellings and several things on my credit that r not mine and they remain I called the company and told them to prove that I did it and call me back which they never did my phone number is different now its XXXX Also I had a fraud alert from XX/XX/2020 bcuz I knew someones been using my identity and their r many hard inquiries and things after the fraud alert was placed that shouldnt b there bcuz no one called me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
Credit acceptance Corp reported on XX/XX/2021 {$10000.00}. This account was already paid in full. I spoke With them when I was Buying my house a few months ago and they verified the account was paid in full. The original amount was {$19000.00} and a payment of {$8500.00} was a settlement amount they agreed on and then after the settlement they added it back to my credit as delinquent in the amount of {$10000.00}. This is false reporting and I want them to be held accountable. I almost Wasnt able to buy my house because of this and my interest rate is higher now.

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 2021-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Credit acceptance took my card back in XXXX Its been over 7 years on my credit it was a volunteer repo and I spoke to then back in XXXX about them removing it off my credit report and credit acceptance refuse to take it off I not made any payments at all when they repo the car they had a person by it in full but they have still tried billing me for over XXXX XXXX  and I will not pay because they car at the time was not wroth it at all btw this loan was for a XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Refinance my XXXX loan with XXXX XXXX in XX/XX/2021 USAA is reporting false XX/XX/2021 Filed a dispute with XXXX  XX/XX/2021 USAA provided wrong information to XXXX  in XX/XX/2021 Based on the process on refinance with XXXX XXXX, and filing a dispute with XXXX  I am not confident USAA will continue to provide the correct information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was in a COVID mortgage deferment with Chase. After it ended in XXXX I was going to start paying my mortgage, which I can now. After it went through the modification Chase mortgage is asking for the Lump sum of XXXX dollars to bring my mortgage up to current because I was not qualified for repayment plan. I told them I am able to pay for the pAst due amounts and willing to pay more for the mortgage but Chase mortgage is only giving me the options yo sell, foreclose or to pay the lump sum of XXXX. All these are not an option for me because I am able to pay, even if its more then my regular mortgage amount. I do not want to lose my home. More importantly they NEVER told me when I requested for mortgage assistance that because I was two months behind that this was a possibility.if that critical information was told to me I would NOT have done the deferment and at least have caught up the past due of two mortgage payment. Please help me, I DO NOT WANT TO LOSE MY HOME. Especially now Im able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to supply proof no verifications are being one when accounts are being disputed because of incorrect information. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. According to FCRA 611 ( a ) ( 7 ), they are suppose to supply me with the proof. On XX/XX/23 I sent in a dispute which I have attached. I just received an email update that the dispute was resolved. First off, where are the documents, second off, the results are still wrong. I know this because the account was included in my bankruptcy file # XXXX. They updated my report and the account now says delinquent instead of included in bankruptcy. If this was verified they would have know it was in my bankruptcy. The account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: IL

Complaint narrative:
I am writing to supply proof no verifications are being one when accounts are being disputed because of incorrect information. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. According to FCRA 611 ( a ) ( 7 ), they are suppose to supply me with the proof. On XX/XX/23 I sent in a dispute which I have attached. I just received an email update that the dispute was resolved. First off, where are the documents, second off, the results are still wrong. I know this because the account was included in my bankruptcy file # XXXX. They updated my report and the account now says delinquent instead of included in bankruptcy. If this was verified they would have know it was in my bankruptcy. The account is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
In XX/XX/2021, I changed my checking account. I thought I had set up automatic payments to this account. However, in XX/XX/2021, Synchrony Bank contacted me to inform me that my payment did not go through. To ensure that the correct bank account was set up for automatic payment, I went online to their portal to ensure I made a payment manually and to double-check that I had the correct account on the autopay. A few weeks later, I was charged two late fees. I had made my payment on the due date as Synchrony Bank had requested. So I know I was not late nor should I have been charged twice. I am attaching a letter showing the accounting error. Because I requested the second late fee be removed as well, they ran an automatic review of my account, which pulled the wrong information as my credit was at XXXX for the last two months as I check it weekly on XXXX XXXX. They lowered my credit line using incorrect information. I have attached a credit report as proof of this and a letter showing they used the wrong 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 2021-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to supply proof no verifications are being one when accounts are being disputed because of incorrect information. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. According to FCRA 611 ( a ) ( 7 ), they are suppose to supply me with the proof. On XX/XX/23 I sent in a dispute which I have attached. I just received an email update that the dispute was resolved. First off, where are the documents, second off, the results are still wrong. I know this because the account was included in my bankruptcy file # XXXX. They updated my report and the account now says delinquent instead of included in bankruptcy. If this was verified they would have know it was in my bankruptcy. The account is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: NC

Complaint narrative:
I was checking my credit reports and noticed an unauthorized account furnished on my credit report. XXXX XXXX  account opened XX/XX/2013 ending in XXXX should be removed from my credit report. I did not consent to, authorize nor benefit from this account. Block and remove it. I have filed a FTC Identity Theft report which is attached. If I received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc.
State: CO

Complaint narrative:
The financial technologies company named Revolut partnered with XXXX XXXX Bank recently blocked my account as I could not provide screenshots for my recent add-money transaction from XXXX XXXX  since the card from XXXX I used was removed from XXXX XXXX  and thus the device recognition number has since changed. I attempted to let them verify the transaction by providing my bank statements of the card I used. But they insisted the screenshot of the original device recognition number in XXXX XXXX be presented to them and blocked my account without further explanation. The chat function in their app is no longer usable as they only told me that they will look into this issue within an unspecified time frame. The funds in my account are no longer accessible and the annual service fee I paid to them ( around XXXX dollars ) can not be refunded. This is arbitrary action has caused a significant financial stress and their non-transparent way of treating customers is most unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MD

Complaint narrative:
Account Name : DISCOVER FIN SVCS LLC Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER BANK IS REPORTING LATE PAYMENTS ON MY XXXX  AND XXXX  XXXX REPORTS AND I DONT HAVE AN ACCOUNT WITH THEM.THIS SHOULD NOT BE REPORTING ON MY REPORTS. IT IS NEGATIVELY EFFECTING MY CREDIT SCORES AND IT NEEDS TO BE REMOVED IMMEDIATELY. THE ACCOUNT NUMBER IS # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After multiple attempts of writing letters to the credit bureaus, they continue to report inaccurate information on my credit which hurts my ability to obtain credit. There are several accounts reporting activity date incorrect, accounts that do not belong to me are reporting, late payments are reporting on my student loan accounts. Accounts that were deleted have reappeared 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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX did not authorize the use of my credit card by Equifax. I received no benefit from the inquiries that are on my consumer report. 15 usc 1602 ( p ) unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
After multiple attempts of writing letters to the credit bureaus, they continue to report inaccurate information on my credit which hurts my ability to obtain credit. There are several accounts reporting activity date incorrect, accounts that do not belong to me are reporting, late payments are reporting on my student loan accounts. Accounts that were deleted have reappeared 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