vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 approximately XXXXXX/XX/XXXX EST. I transferred money from my 5/3 express checking account to my 5/3 mortgage account. A week or two later my XXXX payment was reported to my credit as 30 days past due. I called 5/3rd bank who verified my payment was transferred on XX/XX/XXXX from my 5/3rd express checking to my 5/3rd mortgage via the 5/3rd online banking. However they stated since it was after XXXXXX/XX/XXXX EST it would not be reported as being transferred on the XXXX because the banks were closed it would be reported the next business day which was XX/XX/XXXX. 5/3rd will not reverse the 30 day late with the credit reporting agency even though they confirmed the electronic payment from my 5/3rd express to my 5/3rd mortgage was made and received on XX/XX/XXXX. The fact that 5/3rd clearly received funds prior to the 30 days and has record of it, but is unwilling to do the right thing and reverse the 30 day late is preventing us from getting refinanced. In addition to this, it shows on 5/3rd rules and regulations that internet banking cutoff time is XXXX : XX/XX/XXXX I made the payment via electronic transfer from my 5/3rd account to my 5/3 mortgage prior to 30 days. All I'm asking is for 5/3rd to do the right thing by supporting their customer and reverse the 30 days late for XX/XX/2021, so we can get refinancing. What happened to making my day a 5/3rd better? 
Please help me by doing the right thing. its clear the payment was made prior to 30 days. 
Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: SC

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORTS AND I HAVE A FEW FRAUDULENT ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME LOTS OF EMOTIONAL DISTRESS FOR MY FAMILY AND MYSELF. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILD WHEN THE BUREAUS ALLOW THESE ACCOUNTS ON MY CREDIT PROFILES? I RECENTLY APPLIED FOR CREDIT AND THESE ACCOUNTS SHOWED UP WHEN THE CREDIT CARD RAN MY CREDIT PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am trying to send money between my Capital One Account and my XXXX account. 

Capital one app says that my phone number is " Unable to Verify '' so I called the bank and they couldn't do ANYTHING about it. 

I called XXXX and they couldn't do ANYTHING about it. 


Just fix my XXXX account so I can transfer money!!!!!!!!!!!!! This is insane that you all partner with a company that is meant to make life " easier '' and I have been on the phone with XXXX, CAP ONE, & XXXX for the past 90 minutes trying to figure out how to access my funds because one of your XX/XX/XXXXcall center employees reshipped my debit card which was slated to be delivered tomorrow and NOW i have to wait til XX/XX/XXXX instead. Utter XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have called Experian twice on XX/XX/21 and XX/XX/21 as well as disputed online on XX/XX/21 to request to have invalid/incorrect addresses removed from my credit report. I told them which address is my current and only address and yet All they keep doing is updating the incorrect addresses never deleting the incorrect addresses.They have failed ultimately to provide a solution to my dispute and I do not want to be held as a victim of identity theft because someone was able to use the multiple incorrect address thats 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 non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Fraud-Unauthorized checking and savings Money mule scheme/identity theft Please contact PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. Experian is reporting a fraudulent XXXX account on my credit report. I submitted the police report to Experian and it was not honored. I recently resent the police report and I am hoping that this resolves the issue with Experian.

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 2021-04-08 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: CA

Complaint narrative:
I viewed my credit report and saw there was an individual inquiry ran XX/XX/XXXX. From XX/XX/XXXXtravel/entertainment C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. This is an inquiry I do not recognize and would like removed because it is affecting my credit score. I will also mention that I never had a line of credit prior to XXXX so I do not understand how I am linked to this inquiry. I need this 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 2021-04-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I viewed my credit report and saw there was an individual inquiry ran XX/XX/XXXX. From SYNCB travel/entertainment C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. This is an inquiry I do not recognize and would like removed because it is affecting my credit score. I will also mention that I never had a line of credit prior to XXXX so I do not understand how I am linked to this inquiry. I need this 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 non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
I submitted an application to FedLoan Servicing for the Temporary Expanded Public Service Loan Forgiveness program ( TEPSLF ) on XX/XX/XXXX, after making my 120th qualifying payment. On XX/XX/XXXX, I received a letter telling me that my loans were in the process of being forgiven under the TEPSLF program since I had met all criteria for forgiveness. 

It is now four months since I applied for forgiveness and three months since I received confirmation that my loans were being forgiven under the TEPSLF program and I have not heard a single word. I check my FedLoan account regularly, waiting for some sort of movement. I have called to inquire as to the status of forgiveness and am told they have no information for me, and perhaps I should wait for 5-6 months to go by for forgiveness on my loans to be granted before I follow up with them again. 

This delay is unacceptable, especially when a term of the forgiveness program is that one must remain in qualifying employment up to the day that loan forgiveness is granted, and when the TEPSLF funds are finite. I have done everything asked of me to achieve forgiveness, I qualify for forgiveness, yet I remain at the mercy of FedLoan and the Department of Education to process my application. This should not take months and months to accomplish given all the hoops one must jump through to qualify for forgiveness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our mortgage company apparently processes and takes payments from anyone. We were notified on XX/XX/XXXX by our mortgage company that we had been delinquent on two payments. This was shocking to us and we immediately got on the phone with them to understand the issue, as we have our account set-up for autopayment. 

When we contacted them, we were notified that the wrong person had paid our mortgage in XXXX, so there was a double payment made in the month of XXXX. Without any notice to us, they rescinded the XXXX payment from the other person, and applied the payment we had made for the monthly XXXX payment to XXXX, leaving us with XXXX unpaid. We learned none of this until XX/XX/XXXX when we received a letter. The company never contacted us for the mis payment, nor explained to us how someone else could make a payment on our account. 

They then proceeded to send us another letter on XX/XX/XXXX letting us know of our options to avoid foreclosure. This was additionally horrifying as we had just made a payment for 2 months, without any of this being brought to our attention in the first place. 

The intimidation and scare tactics that are used by this company are horrifying, and even more ghastly is the fact that they can not answer how this mixup could happen in the first place ( audit much?? )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second time writing equifax about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), The credit bureaus may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. They received my second as proof on this XX/XX/XXXX, which means they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify. 

1. The following personal information is incorrect Account Number : NAME : XXXX XX/XX/XXXXXXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The inquiry was not authorized ELANFINANC Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

4. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 


The following accounts listed above was disputed twice and the ( credit bureau ) have failed to respond the first time which is a violation of the FCRA. I have attached below proof of stamped certified timing that the letters was received this time by ( credit bureau ) and they must complete this investigation with 30 days or they must remove these accounts they can not verify. Also attached is notarized letter, original dispute letter, and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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:
On XX/XX/2021 approximately XXXXXX/XX/XXXX EST. I transferred money from my XXXX express checking account to my XXXX mortgage account. A week or XXXX later my XXXX payment was reported to my credit as 30 days past due. I called XXXX bank who verified my payment was transferred on XX/XX/XXXX from my XXXX express checking to my XXXX mortgage via the XXXX online banking. However they stated since it was after XXXXXX/XX/XXXX EST it would not be reported as being transferred on the XXXX because the banks were closed it would be reported the next business day which was XX/XX/XXXX. XXXX will not reverse the 30 day late with the credit reporting agency even though they confirmed the electronic payment from my XXXX express to my XXXX mortgage was made and received on XX/XX/XXXX. The fact that XXXX clearly received funds prior to the 30 days and has record of it, but is unwilling to do the right thing and reverse the 30 day late is preventing us from getting refinanced. In addition to this, it shows on XXXX rules and regulations that internet banking cutoff time is XXXX : XX/XX/XXXX. I made the payment via electronic transfer from my XXXX account to my XXXX mortgage prior to 30 days. All I'm asking is for XXXX to do the right thing by supporting their customer and reverse the 30 days late for XX/XX/2021, so we can get refinancing. What happened to making my day a XXXX better? 
Please help me by doing the right thing. its clear the payment was made prior to 30 days. 
Sincerely 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 2021-04-08 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
After viewing my credit report, I found Medical Collection accounts which should not be in there. According to the HIPAA 1996 law section 1681b ( g ) ( 4 ) They are not allowed to disclose such information to any other person, this is clearly a violation to my privacy. My consumer rights has been violated under the HIPAA laws. I did not give permission to release any of my medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of Estoppel by Silence, Engelhardt v. Garavans ( Mo281 SW715, 719 ), I presume that no proof of the alleged debt, therefore any such debt, in fact exists. 


I never authorized this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX XXXX, New Jersey XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following personal information is incorrect Address ( es ) : 2 XXXX XX/XX/XXXXXXXX, NJ XXXX The following personal information is incorrect Address ( es ) : XXXX XXXXXX/XX/XXXXXXXX, NJ XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XX/XX/XXXXXXXX, NJ XXXX XX/XX/XXXX The following personal information is incorrect Employers : XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

I have enclosed a copy of my driver 's license and utility bill as proof of identity. 
Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: AR

Complaint narrative:
My account with XXXXXX/XX/XXXX was charged off in XX/XX/XXXX. Beginning in XX/XX/XXXX I began receiving email dunning from True Accord for the debt which had been sold to XXXX XXXX. A certified letter was sent to TrueAccord in XX/XX/XXXX disputing the debt and requesting verification of such debt. After having received the return receipt the collection attempts continued by email. On XX/XX/XXXX I sent notification about the dispute via reply email which is how their communications advised to contact them. That email is attached. Again on XX/XX/XXXX, and XX/XX/XXXX I received emails dunning for payment. Verification was never received and in accordance with the FDCPA further collection attempts can not be made until verification is complete. Ultimately TrueAccord never verified the debt and further transferred it to XX/XX/XXXX, XXXX, and XXXX in XX/XX/XXXXXXXX OK to legal action and a law suit was filed against me for the balance plus attorney fees, and court costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NH

Complaint narrative:
I already informed cash apps that im a victim of Identity theft and I want to close my account to them. Ftc /fbi /police department informed me to close all my savings and checking and anything that involved with the love scammed I had. I got 1099B from Irs sales that im not involved. Up to now since XX/XX/2021, Cash apps is giving me hard time closing my accounts with them. I already give then ftc info but still now my account still open and the 1099B sales dont know what to do, I informed Irs for fraud transactions with this from cash apps.even XXXX charging me which i disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tried to correct inaccurate information on my credit report. However, Transunion & XXXX XXXX doesn't allow me to dispute it on their website. There's always a technical error for the past 6 months.. This is what the apps says. 
Something went wrong. 

We encountered an error while trying to process your request and your dispute was not successfully submitted. We apologize for the inconvenience. 

You can go directly to TransUnion to file this dispute Return back to 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 non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Although the latest statement on that loan indicates that payment towards principal were made in the amount of {$1000.00} on XX/XX/XXXX and XX/XX/XXXX and the balance at the end of XXXX was {$26000.00} interest was charged on the amount of principal of {$28000.00} for the month of XXXX in the amount of {$57.00} although interest amounts for the following months were consistently decreasing except for the month of XXXX : XXXX, XXXX - {$74.00} XXXX, XXXX - {$69.00} XXXX, XXXX - {$68.00} XXXX, XXXX - {$62.00} XXXX, XXXX - {$63.00} XXXX, XXXX - {$60.00} XXXX, XXXX - {$53.00} XXXX, XXXX - {$56.00} Taking into consideration that the interest rates is still the same all that time at 2.5 % increases in interest in XXXX and XXXX are questionable in view of the fact that the principal was smaller in those months than in previous months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of Estoppel by Silence, Engelhardt v. Garavans ( Mo281 SW715, 719 ), I presume that no proof of the alleged debt, therefore any such debt, in fact exists. 


I never authorized this account.

Company response to consumer: Closed with explanation