vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX XXXX   ), ( Original Creditor : XXXX XXXX XXXX ), ( Original Creditor : XXXX XXXX  ), ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
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 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 2020-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I have contacted the collection agency to verify the debt and also the credit bureaus. It was deleted off one of my report for inaccuracy. I have not received a response from the collection agency and no verification from the bureaus. I had medical insurance at the projected time of the incident.

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 2020-06-04 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: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
This complaint is related to Ford Motor Credit. On XX/XX/2020, we contacted Ford Motor Credit as received a notification that our lease had expired. Please note that Ford Motor Credit automatically pulls our payments from our banking account. We had been in the process of working with a local dealership to transition to a newer vehicle just prior to the shutdown. The representative we spoke with offered an extension of the lease until XX/XX/2020 and we accepted. We then submitted the scheduled monthly payment by mail. We had assumed all other payments would be automatically pulled as we were not notified otherwise. After being unable to come to a lease agreement with Ford and opting for a different vehicle, we turned in our truck. Ford Motor Credit immediately reported our account as delinquent, a notice we received on XX/XX/2020. We contacted Ford on XX/XX/2020 and were told that we " should have been asked to provide verbal notification to continue to pull our payments automatically. '' However, we were not asked to provide that acknowledgement or consent. Further, the representative from Ford told us that because we have automatic payments and have always paid on time, we are " at the bottom of the list for notification. '' So, they acknowledged that they did not notify us when a payment should have been made. Had they notified us of the needed payment, we would have made it. Instead, they let two months lapse and only provided us notice of the late payment when we turned in the vehicle. Had we not turned in the vehicle, we may not have been provided notice for another 30 days. Our credit report has been impacted by their failure to notify us. While the rep communicated that the late fees would be waived, we do not believe this to be sufficient action. We would like Ford to correct the information reported to the credit bureau and, if possible, to waive the payments that were not truly late. The fact that they acknowledged their system and notification process was broken, but continued to report our information to the credit bureau is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Pnc will not let me connect to a third party lending app ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
XXXX {$32.00} XXXX {$420.00} XXXX {$57.00} XXXX {$180.00} XXXX {$1100.00} XXXX {$850.00} XXXX {$850.00} XXXX {$420.00} XXXX {$600.00} XXXX {$1400.00} USDEPTED4100XXXX {$50.00} XXXX {$160000.00} XXXX {$160000.00} DEPTEDXXXX  {$50.00} XXXX {$1800.00}

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 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Dear XXXX officers, I have a property originally financed by HSBC bank in XX/XX/XXXX and this loan was also modified in XX/XX/XXXX by the same bank. Recently, I refinanced my loan with XXXX XXXX  XXXX in XX/XX/XXXX. There were two wrong charges posted to my account by HSBC. One for {$4000.00} and one for {$3700.00}. I was able to catch the first unjustified charge since it was stated in my monthly mortgage statement prior to my refinance in XX/XX/XXXX. However, the second charge of {$3700.00} was not revealed to me till exactly few days prior to my refinance closing date with XXXX XXXXXXXX XXXX in XX/XX/XXXX, under Recoverable Balance ( attachedXXXX   XXXX XXXX XXXX XXXX Borrower Estimated Settlement Statement ). I must have closed the refinance, otherwise, I would lose the favorable refinance rate as well as advanced paid appraisal. HSBC stated that both charges are incurred due to my loan modification in XX/XX/XXXX! 

I explained and disclosed HSBC loan modification agreement as it clearly stated all unpaid amounts up to loan modification had been summed and included in my final modified loan amount ( attached- Loan Modification Agreement, No.1 highlighted in yellow. Based on my explanation evidenced by the modification agreement, HSBC removed its first duplicate charge of {$4000.00} ( attached- HSBC letter XX/XX/XXXX ). 

However, as soon as my loan was refinanced in XX/XX/XXXX, HSBC is not responding nor refunding its second unjustified charge of {$3700.00}. Since XX/XX/XXXX, I have actively pursued to resolve this issue amicably and directly with HSBC.  However, it is inferred that not being their customer longer, I am not able to defend my rights further. 

Therefore, I kindly seek your assistance to investigate this unwarranted charge committed by HSBC as soon as practically possible for you. 

Thank you very much in advance and please let me know if any additional documents needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have Been a victim of Identity Theft, every since my Personal Information was Stolen from the Bureaus Data Breech my life has not been the same.. this is very ruff for me at this time. I Never had open any of these Accounts nor did I give anyone Authorization to open Accounts using my personal Information. all of these Accounts is related to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: NJ

Complaint narrative:
****Hello, My name is " XXXX XXXX XXXX, I have been trying to correct my credit report over the past year but it seems no success. According to my recent credit report request from XXXX   there are several inaccurate accounts on my report. I notice that all of the name, addresses, employment information and all the hard inquiries are incorrect. There are also some derogatory accounts that are not belong to me or our association that I demand removal as they are in violation of the following applicable credit reporting laws : *** 15 USC 1681623 ( a ) of FCRA/FACTA ****I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are all of name, addresses and employment information that need to be removed : **************************************************** _NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _EMPLOYMENT INFO XXXX XXXX XXXX % % % % % % % % % % % % % % % % % % % % % % % _ADDRESSES REPORTED XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ************************************* _HARD INQUIRIES *XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX **XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Home/Office Furnishings ( XXXX ) XXXX _COLLECTIONS OF DEBT : XXXX XXXX XXXX Reported : XX/XX/XXXX {$400.00} XXXX XXXX Reported XXXX XX/XX/XXXX {$640.00} ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

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 2020-06-04 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
XXXX {$32.00} XXXX {$420.00} XXXX {$57.00} XXXX {$180.00} XXXX {$1100.00} XXXX {$850.00} XXXX {$850.00} XXXX {$420.00} XXXX {$600.00} XXXX {$1400.00} USDEPTEDXXXX {$50.00} XXXX {$160000.00} XXXX {$160000.00} DEPTEDXXXX {$50.00} XXXX {$1800.00}

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 2020-06-04 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
XXXX {$32.00} XXXX {$420.00} XXXX {$57.00} XXXX {$180.00} XXXX {$1100.00} XXXX {$850.00} XXXX {$850.00} XXXX {$420.00} XXXX {$600.00} XXXX {$1400.00} USDEPTEDXXXX {$50.00} XXXX {$160000.00} XXXX {$160000.00} DEPTEDXXXX {$50.00} XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 
XXXX {$120.00} XXXX {$600.00} XXXX {$160000.00} XXXX {$160000.00} XXXX {$450.00} XXXX {$9500.00} XXXX {$15000.00}

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have Been a victim of Identity Theft, every since my Personal Information was Stolen from the Bureaus Data Breech my life has not been the same.. this is very ruff for me at this time. I Never had open any of these Accounts nor did I give anyone Authorization to open Accounts using my personal Information. all of these Accounts is related to fraud

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have Been a victim of Identity Theft, every since my Personal Information was Stolen from the Bureaus Data Breech my life has not been the same.. this is very ruff for me at this time. I Never had open any of these Accounts nor did I give anyone Authorization to open Accounts using my personal Information. all of these Accounts is related to fraud

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 2020-06-04 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: PA

Complaint narrative:
This complaint is related to XXXX XXXX XXXX. On XX/XX/2020, we contacted XXXX XXXX XXXX as received a notification that our lease had expired. Please note that XXXX XXXX XXXX automatically pulls our payments from our banking account. We had been in the process of working with a local dealership to transition to a newer vehicle just prior to the shutdown. The representative we spoke with offered an extension of the lease until XX/XX/2020 and we accepted. We then submitted the scheduled monthly payment by mail. We had assumed all other payments would be automatically pulled as we were not notified otherwise. After being unable to come to a lease agreement with XXXX and opting for a different vehicle, we turned in our truck. XXXX XXXX XXXX immediately reported our account as delinquent, a notice we received on XX/XX/2020. We contacted XXXX on XX/XX/2020 and were told that we " should have been asked to provide verbal notification to continue to pull our payments automatically. '' However, we were not asked to provide that acknowledgement or consent. Further, the representative from XXXX told us that because we have automatic payments and have always paid on time, we are " at the bottom of the list for notification. '' So, they acknowledged that they did not notify us when a payment should have been made. Had they notified us of the needed payment, we would have made it. Instead, they let two months lapse and only provided us notice of the late payment when we turned in the vehicle. Had we not turned in the vehicle, we may not have been provided notice for another 30 days. Our credit report has been impacted by their failure to notify us. While the rep communicated that the late fees would be waived, we do not believe this to be sufficient action. We would like XXXX to correct the information reported to the credit bureau and, if possible, to waive the payments that were not truly late. The fact that they acknowledged their system and notification process was broken, but continued to report our information to the credit bureau is unacceptable.

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 2020-06-04 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: LA

Complaint narrative:
A bankruptcy is inaccurately reporting on my credit report. It was removed from XXXX on XX/XX/2019. I reached out to Transunion and XXXX to remove the information as it is reporting inaccurately also. According to them it was verified through XXXX XXXX and Bankruptcy court. Upon receiving documentation from the XXXX   Bankruptcy court that is inaccurate and they do not verify that information.

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 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We were approached by Chase Bank to refinance our existing mortgage to a lower-rate 15 year mortgage. We filled out the application and were sent a Loan Estimate. 
The process was fine until we received the appraisal - Our house ( 25 years old, 3150 sqft ) was appraised at $ 105/sqft.  The three " comps '' ( 2 in our own neighborhood ) that they used appraised at {$160.00}, {$110.00}, & $ 112/sqft. 
We notified Chase that this appraisal was inaccurate, and that we wanted a new appraisal done because of the large discrepancy. Chase refused. They then tacked on a new {$1000.00} " origination fee '' because of the low appraisal in a Revised Loan Estimate. 
They stated that if I wanted the appraisal reviewed, I had to provide them three " comps '' different from the ones they used. My subdivision only has 15 houses, and the 2 most recent sales were the $ 160/sqft & $ 113/sqft. I had no other " comps '' to show, nor should I - the best and most recent comps are already there. 
Because of this, we asked them to cancel our application, and return our {$500.00} submission fee, which they have refused to do. 
These are the people we dealt with at Chase : XXXX XXXX XXXX | Sr. Home Lending Advisor XXXX XXXX XXXX ID XXXX | XXXX XXXX XXXX Lending Manager | NMLS ID XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: TX

Complaint narrative:
XXXX card told my son that I owed a debt. You- referes to XXXX  card. You violated 15 U.S. Code1692 specify section b. When you told my son that I owed a debt. 
Our agreement is now void. Please remove from credit bureaus and eliminate the balance. 
Per 15 U.S. Code1692 the civil liability plus legal fees will exceed total amount owed. To save time and money, I recomend we settle, in the method listed above. Are you willing to work with me, or against me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX card told my son that I owed a debt. You- referes to XXXX card. You violated 15 U.S. Code1692 specify section b. When you told my son that I owed a debt. 
Our agreement is now void. Please remove from credit bureaus and eliminate the balance. 
Per 15 U.S. Code1692 the civil liability plus legal fees will exceed total amount owed. To save time and money, I recomend we settle, in the method listed above. Are you willing to work with me, or against 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 2020-06-04 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:
My identity has been compromised. I found out because XXXX   XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 
XXXX {$120.00} XXXX {$600.00} XXXX {$160000.00} XXXX {$160000.00} XXXX {$450.00} XXXX {$9500.00} XXXX {$15000.00}

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