vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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 bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$3800.00} XXXX {$1400.00} XXXX {$2300.00} XXXX XXXX {$960.00} XXXX {$45.00} XXXX {$48.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I'm having issues getting the fraud alerts removed from my credit reports. I've sent in all information requested and they still appear on my 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 non-monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
I was in the process of buying a house, so I had alerts set up on my credit karma. I get an alert saying new collections account. It was this one, I panicked and called them immediately. I went ahead and settled the payment but this still altered my approval to purchase my home. I would have at least liked to have notice before also it states the account was opened in XX/XX/XXXX when it was closed in XXXX. Seems very unfair to wait this long and then sneak attack me. The timing couldnt have been worse this has been a nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 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: AL

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$170.00} XXXX XXXX  XXXX {$360.00}

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 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
*****Hello, My name is " '' '' '' XXXX XXXX '' '' ''. I have tried to correct my credit report over the past 2 years but none of it works. I notice that all of the employment information and some of the addresses that are listed in my **credit report***. There are also several incorrect information that exist in my credit report that not belong to me or any of our business. I really demand to have all of these information clear off my credit account. Here are the addresses and employment information : & & & & & & & & & & & & & & & & & & & & & *XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ ***XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-06-02 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: FL

Complaint narrative:
*****Hello, My name is " '' '' '' XXXX XXXX '' '' ''. I have tried to correct my credit report over the past 2 years but none of it works. I notice that all of the employment information and some of the addresses that are listed in my **credit report***. There are also several incorrect information that exist in my credit report that not belong to me or any of our business. I really demand to have all of these information clear off my credit account. Here are the addresses and employment information : & & & & & & & & & & & & & & & & & & & & & *XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **************************

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Unable to link my funding source on XXXX, says PNC restricted the way I can link to my banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IA

Complaint narrative:
About 3Q XX/XX/XXXX PNC changed the mechanism and policies related to linking accounts with other banks and financial services such as XXXX XXXX, XXXX XXXX, and XXXX. The procedure for linking accounts requires a mobile phone number. Some mobile phone providers and virtual mobile phones such as XXXX XXXX do not support the SMS messages required by PNC. Other financial institutions with similar requirements appear to support XXXX XXXX numbers and 3rd party mobil phone providers. PNC 's limitations make it difficult for some people who do not use a phone network they support. Furthermore, ( though this is probably a separate issue ) today ( XX/XX/XXXX ) XXXX XXXX was unable to link accounts with PNC even after resolving the issue with mobile phone verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I'm having issues getting the fraud alerts removed from my credit reports. I've sent in all information requested and they still appear on my 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 2020-06-02 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: MS

Complaint narrative:
I'm having issues getting the fraud alerts removed from my credit reports. I've sent in all information requested and they still appear on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Rubin & Rothman filed a law suit case against me on behalf of XXXX XXXX. 
They were using a scarring technic and advise me not to go to court and signed some paperwork, forced me to make monthly payments to them, not to XXXX XXXXXXXX XXXX. 
After a while I tried to validate the debt. This company doesn't have nothing besides the copies of statements. they refused to establish an ownership of the debt and didn't provide me with a copy of the retainer between their company and XXXX XXXX XXXX. 
So they illegally filed a law suit on behalf of the bank when in reality they must act as a collection company and validate the debt first.

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 2020-06-02 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: AL

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$170.00} XXXX XXXX  XXXX {$360.00}

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 2020-06-02 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: AL

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$170.00} XXXX XXXX XXXX {$360.00}

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 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Got a call from XXXX, a 3rd party company called Rent Collect Global for around {$98.00} owed to an apartment complex called XXXX XXXX  XXXX XXXX owned by XXXX XXXX. The woman on the line got very aggressive with her tone and words as soon as I questioned the legitimacy of the call and company, and stated that I would contact the apartment complex directly to verify. She said she could give me my social security number over the phone to verify the legitimacy, which I told her that was something that could be obtained through hacking and it was not sufficient for me. To which she started rattling off my personal identifying information, like where I worked, and I said I would still contact the apartment complex directly. She told me they couldnt do anything and that if I didnt pay on the phone right then it was refusal to pay and would be on my credit. I then told her to have a good day and ended the call. I contacted my old apartment complex directly to which they did say the company was and did not give me information on how to pay. I never received a bill in the mail as I forgot to provide a forwarding address, but the apartment complex did have my email address and phone number on file and had they contacted me I would have paid or given them my new address to mail it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A claim I submitted to Bank of America for the non refunded portion of a XXXX tour package using my Bank of America Premium Rewards credit card was denied. The card has an annual cost of {$100.00} and offers travel protections. The tour was to begin in XX/XX/2020 with the main attraction attendance at the XXXX XXXX XXXX XX/XX/2020. Due to the Covid-19  pandemic, the passion play and tour were canceled. I, as an XXXX-year-old person, was required to quarantine in my home. I canceled my tour package and received a refund from XXXX XXXX for 80 % of the tour cost. The tour cost was {$5900.00} and I received a refund of {$4700.00}. I believed that the Premium Rewards card should cover the non refunded portion of the tour package ( {$1100.00} ) because the 10th item on the credit card agreement specifically states that " a covered person is insured under this policy ... Quarantine of covered person ... a physician or by a competent governmental authority ''. A claim I submitted was denied on XX/XX/2020, because the event I was to attend was canceled, but my cancellation was significantly due to the Covid-19 quarantine imposed in the state of Georgia.

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 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC

Complaint narrative:
Hello, I am a retired XXXX professional living on Social Security with a budget that handles us from payday to payday. My issue is with the cancellation of PMI on my mortgage. The mortgage was with XXXX beginning in XX/XX/XXXX. In XX/XX/XXXX an auto accident led to my getting a couple of months in arrears on the mortgage to pay for the next auto acquisition and related fees. In XX/XX/XXXX XXXX notified me that my mortgage had reached a point that my PMI would cancel once my payments were current. In XX/XX/XXXX XXXX transferred the servicing of my mortgage to Bayview Loan Servicing and they began foreclosure on the property. I managed to acquire a loan that I used to get my mortgage caught up in XX/XX/XXXX. Since then I have been in contact with Bayview several times regarding this issue. Each time the response states that I do not have a twelve month history of on time payments. 
Attached are several supporting documents. Thanks for being there to help us folks out. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have had my capital one account for two years. I have never been late on the account until XX/XX/2020. I had automatic payments set up for the second day of every month. For XX/XX/2020 the automatic payment was made XX/XX/XXXX and then another payment XX/XX/XXXX. Payment conformation for both payments. I then closed the bank account on file due to current pandemic. Payments were reversed and I was unaware until I received the XXXX monthly statement. I took care of the issue immediately paying over half of the balance as well as updating banking information on file. I contacted capital one directly via phone and email to the CEO of the company. During the first conversation I was told that they didnt see anything on their end of me being late on payment. No late fee, no Delinquent Mark etc. The representative suggested it was a error on the credit bureaus end. I then proceeded to email the CEO. I received a phone call about a week later stating again that there is no late error on their side. They are aware of the payment reversal but there was no late fee or any late marks on the account. I spoke to two different representatives. They both stated that they are unable to fix the 30 day late remark because they do not see it on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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:
I am filing this report because today XX/XX/2020 I tried to refinance my car and I was unable to do so because there were many accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit report because none of those accounts belong to me and I did not allow anyone to open those accounts in my name. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission buy I have already filed a police report. I do not have any written/verbal contract with any of these companies and I did not allow them to run or access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This private lender servicer ( Firstmark ) is not applying payment principal correctly. I've asked them twice to tell me why the amount applied to principal for every payment varies so widely. For example, the last two payments were made within a day of each other : 1. XX/XX/20 payment : {$120.00} principal, {$42.00} interest 2. XX/XX/20 payment : {$83.00} principal, {$86.00} interest They then sent me a standard response about how they calculate. Using their own computations, I can't get the distribution above. 

This is just two examples. 

My daughter borrowed {$8300.00} originally from XXXX XXXX XXXX. Then they " capitalized '' thousands of dollars in interest, and now my my daughter owes more than she initially borrowed. This is a travesty - she attempts to improve herself with a great education, and she ends up owing money to legal loan sharks. 

Please help her and me. I am a co-signer for her loan. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CT

Complaint narrative:
XXXX XXXX HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for XXXX XXXX HELOC. This account was also verified with XXXX XXXX XXXX and me on the phone and XXXX XXXX stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX XXXX XXXX added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late payment fee. I have been working with XXXX XXXX HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and XXXX XXXX is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. XXXX XXXX is one on the worst organizations I have dealt with.

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 2020-06-02 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for XXXX XXXX HELOC. This account was also verified with Equifax Mortgage Service and me on the phone and XXXX XXXX stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX XXXX XXXX added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late payment fee. I have been working with XXXX XXXX HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and XXXX XXXX is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. XXXX XXXX is one on the worst organizations I have dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CT

Complaint narrative:
XXXX XXXX HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for XXXX XXXX HELOC. This account was also verified with XXXX XXXX XXXX and me on the phone and XXXX XXXX stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX XXXX XXXX added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late payment fee. I have been working with XXXX XXXX HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and XXXX XXXX is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. XXXX XXXX is one on the worst organizations I have dealt with.

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