vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I have tried to reach out to this company on several occasions. It is hard to first of all get someone on the phone, but hen someone did they just said '' hello '' I had to ask to make sure I was calling the right place. Then they were asking for all of my personal info. I told them if you have enough information to place it on my credit you should be able to pull it up by my phone number and address. So then they claimed that they had found it but gave me all different totals of the so called accounts, and when I told them that those were not the totals that I had, they told me that it was my problem an go XXXX yourself then hung up. That mad me furious so I called back and requested to speak with management, that is not how you talk to someone that you claim has an account with you. They told me that I could not speak with management and I had to talk to them or no one. So I told them I would try to call another branch and they told me if I didn't pay them on that day that they were going to place my account in processing to be sued. I asked for what and they responded with " we ask the questions here not you '' Again I requested management and they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I made a payment arrangement with GM Financial on XX/XX/2020 for my XXXX payment which was due on XX/XX/2020 and for my XXXX payment due XX/XX/2020, both to be paid on XX/XX/2020. I expressed during the XX/XX/XXXX arrangement that my payment tardiness was due to Covid-19 related issues. I gave them my checking account and routing information to secure payment arrangement. On XX/XX/XXXX and XXXX I received notices that my credit report had been updated and my credit score dropped 41 points because I'd been marked with a 30 day late on my credit reports. I called GM Financial to discuss the matter and asked them to remove the late payment because I believe I'm protected under the cares act that states : If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement. 
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends. 

GM Financial stated during the XX/XX/2020 phone conversation I initiated that it was up to their discretion as to how they report late to the credit reporting companies and that their specialists will not reverse the 30 late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2020-08-17 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: AR

Complaint narrative:
I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX XXXXXXXX {$850.00} XXXX  XXXX {$440.00} XXXX  XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX XXXXXXXX {$360.00} XXXX XXXXXXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXXXXXX {$510.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}

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 2020-08-17 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: AR

Complaint narrative:
I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX  XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX XXXX {$850.00} XXXX  XXXX {$440.00} XXXX XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX  XXXX {$360.00} XXXX XXXXXXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}

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 2020-08-17 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I've had my house/mortgage for a year via my FHA loan. I haven't been late on a payment once. In XXXX, I was offered the benefit of the Forebearance feature of the CARES Act and was made to understand that essentially this would put a " PAUSE '' on my need to make mortgage payments for a period of time, and that those payments would simply be added to the end of my loan period. 

I keep a close eye on my credit report, and use the XXXX XXXX and XXXX apps regularly. I've noticed over the past 3 months that I've been on Forebearance, that I'm getting notifications that the balance on my mortgage has been increasing!!! 

In XXXX, when I agreed to the Forebearance, my loan balance was XXXX ... .. now my balance is XXXX!!! 

I called my mortgage company to clear up the situation, I can understand if the original interest is still accruing on my loan, however, when you add it up, XXXX over 3 months comes out to about XXXX per month .... that's my usual monthly mortgage .... that means that they're charging me 100 % interest on the missed payments!!! How is that supposed to be " helping '' me??? 

Putting the payments on " PAUSE '' is not the same thing as DOUBLING THE AMOUNT THAT I OWE .... that doesn't help me, and I was not informed that this would be the circumstances. As a matter of fact, I don't think that the representatives at the time of the offer even had a clue that this would be the case. THIS IS NOT RIGHT. 

I believe that my balance should have remained the same, XXXX and that missed payments should be added to the end of the term of my mortgage. If there is some slight amount of interest, 3.5 % is my rate, then that is fine ... .. but my rate is certainly NOT 100 %. 

Please help to resolve and correct this situation. Thank you for your 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 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Over 20 times in the month of XXXX, and over 10 times in the month of XXXX, American Express keeps contacting me. They will either call ( my phone blocks it but I still see the message ) OR they will put this Collection Message up on my computer. I've asked them why is the message about " We need to speak with you immediately regarding your Account. '' My account is always paid, paid way in advance, through multiple payments. I'm attaching the screen shot now. I also have all my chat messages copied to validate that I have asked the representatives to please put a note on my account, that I don't need to be bothered while my account is current. It has been current for months, yet I still get harassed, almost daily by then. I put a phone block on my cell phone, and when I log into AmEx I always respond to the " we need to speak to you urgently. '' and they want to harass me about the balance on my account. They choose to selectively harass me. They never did this with my husband 's account. They are willfully harassing me. Each time I tell them very clearly to not harass me online or via phone. Online is the same thing. Harassment is harassment. Today, I took screen shots of this interaction, so that you can see for yourself, how they badger me. I can't imagine what  those who are late have to go through. As a reminder, you can see clearly that I am not late and in fact, had no payment due. This is because I pay my bill the moment it posts online, and then I make several additional payments during the month. This repeated harassment is causing me great stress and anxiety. 

I have attached images from XXXX and XXXX - to validate that 3 different times this has happened ( more than that, this is what I included today ) and that they make me speak to them, and then they harass me about the balance on my account, and I ask them to please stop contacting me, and they continue to do so. 

The dates are on the bottom right corner, where I take a screenshot showing the date/time on my computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank is the servicer of my current XXXX XXXX home mortgage. PNC was assigned as my servicer when my loan was sold on XX/XX/2020 after my most recent refinancing. I submitted a request in writing ( via email per PNC policy ) to terminate my escrow account on XX/XX/2020. After multiple inquires via telephone, I received a letter date XX/XX/2020 approving the removal of my escrow account. Unfortunately, this letter also stated that PNC will be charging a " escrow account closure fee '' of {$670.00}. After multiple phone conversations, including the highest ranking supervisor with which I was allowed to speak, I was informed that there is no way to remove this fee and that it is all legal per my loan conditions. In the previous three refis, I have never run into this sort of issue. I've closed multiple escrow accounts over the years on several properties without ever being charged a " closure fee. '' I've never been late on a payment, never asked/received any bank assistance, and have more than any required equity in this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: PA

Complaint narrative:
THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. Lastly please remove the following inquiries as I did not give permissable purpose to have my credit report check. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
almost every year someone from this company calls me to pay a traffic ticket and even they send me a letter to pay the ticket on their website. They act as if they are part of the police or high way patrol and or affiliated to them. Their collection letter looks the same. Perhaps they have those affiliations. But if a company uses their affiliation and call every year for a bogus claim that means they are using their power for fraud. It not possible that every year they have computer problem. or forget to close the file in the system and it was someone else fault. They are for sure doing fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have spoken repeatedly with various representatives of EXPERIAN regarding old, outdated, or incorrect inquiries into my EXPERIAN credit file. Specifically, XXXXXXXX XXXX on XX/XX/2018, XXXX ON XX/XX/2018 and XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2018 made inquiries which ALL need to be deleted ASAP.

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 2020-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
Request investigation into why Nordstrom is not waiving late fees due to hardship on account of covid 19.  The company is also not removing the charge off on the credit score. I have paid two installments of {$120.00} and {$130.00} with considerable difficulty of which only {$160.00} is the amount for purchases made in 2018. The company had the wrong address - they had XXXX XXXXXXXX XXXX on their files instead of XXXX XXXXXXXX XXXX. Any mail never reached the address. The company never called to initiate a payment plan. 

Secondly, a credit card application was never processed and I have not received any mail again from the company as to its status. 



Due to Covid, my financial situation is extremely precarious and the interest that has been added on account of an error on part of the company can not be allowed during covid when even banks have been given regulatory orders to remove payments that increase burdens on consumers. I would also like my card application to be processed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: GA

Complaint narrative:
Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from XXXX and transunion

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : Bankruptcy Ref. No. XXXX Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. To whom this may concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. In XX/XX/2020 and months preceding from XX/XX/2020 onward I received a response from Transunion stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. I have sent several letters to Transunion, which have been repeatedly denied for removal this public information from my credit file. I have contacted both the U.S. Bankruptcy Court of Texas and the PACER system and they have both confirmed that they do not and will not verify such personal information. Per FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. Please be advised that a copy of this letter has also been sent out certified mail and to the U.S. Bankruptcy Court of ( Texas ). 

Regards, 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 2020-08-17 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:
I have a auto loan with XXXXXXXX XXXX and the bank report a miss payment and it's not correct. I have my payment on day and the current balance are wrong. On XXXX and XXXX I send a letter to bank and I don't have any answer. This situation is affecting me because I need request a credit and I can't because this situation with XXXXXXXX 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