vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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**** and XXXX  XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XXXX 2019 we entered into a legally binding agreement with XXXX to begin a Trial Period plan which was required before completing formal loan modification. XXXX provided us with very specific instructions to make three trial payments on specific dates. We were advised we were not to deviate from the plan or the loan modification would be denied. 

The trial period began on XX/XX/2019 where we paid {$4100.00}, with subsequent payments of the same amount on XX/XX/XXXX and XX/XX/XXXX for a total paid of {$12000.00}. We followed their directions exactly as outlined to us and completed the Loan Modification in XXXX  2019. 

After applying for a new mortgage recently we were denied because XXXX reported that we were 120 days late for five consecutive months ( XXXX XX/XX/2019 ). We feel that this is a violation of the Fair Credit Reporting act as we were under a formal agreement with XXXX during those months and were following detailed instructions which included making trial payments. In addition XXXX reported different information to XXXX  than they did to XXXX & TransUnion. They reported that payments were made to XXXX  for XXXX & XX/XX/2019 and reported NR or no report to XXXX  and Transunion. 

I have attached a copy of the trial payment agreement as well as a copy of a court case ruling. 

After doing research on our situation it became clear that many others had the same scenario happen to them. I foun

d one case where a judge with the US Court of Appeals ruled in favor of the borrower that the lender violated the Fair Credit Reporting Act. The 6th Circ
uit rejected the servicers argument that the Home Affordable Modification Program guidelines encouraged, but did not require that they report a TPP. The court acknowledged this distinction but noted that [ r ] eporting that [ a borrower ] was delinquent on his loan payments without reporting the TPP implies a much greater degree of financial irresponsibility than was present here. 

https : 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 2020-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
In XXXX on XX/XX/2019, I opened an HSBC XXXX account with a {$10000.00} deposit. I was encouraged to do this by a promotion sent to my mailbox. The promotion said that would receive a Welcome Deposit of {$350.00} if the balance stayed at {$10000.00} for 3 months. The banker, XXXX XXXX XXXX, assured me I qualified and showed me the approval on his screen. He assured me several times in the following months that the bonus was on the way. 
More than 4 months la
ter, HSBC is refusing to pay the Welcome Deposit and my banker has been less inclined to explain or return my calls. In my research on the bank, I discovered that this XXXX branch of HSBC has a history of non-payment of bonuses. The XXXX reviews include 10 1-star reviews of this branch, putting the reviews at a 1.5-star average. Many of these customers warn people that the branch doesn't honor it's bonuses and hides behind bureaucracy to keep from fulfilling its responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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 applied for a loan at XXXX XXXX XXXX today XX/XX/20 and I was not approved because there is an account reflecting badly on my credit history. The account is from XXXX XXXX. I am not affiliated with this company and I have never opened an account with them. I have never signed any contract with this company and I did not allow them to run or access my credit information. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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 applied for a loan at XXXX XXXX XXXX today XX/XX/20 and I was not approved because there is an account reflecting badly on my credit history. The account is from XXXX XXXX. I am not affiliated with this company and I have never opened an account with them. I have never signed any contract with this company and I did not allow them to run or access my credit information. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report regarding this unauthorized account.

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 2020-02-26 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: CA

Complaint narrative:
I applied for a loan at XXXX XXXX XXXX today XX/XX/20 and I was not approved because there is an account reflecting badly on my credit history. The account is from XXXX XXXX. I am not affiliated with this company and I have never opened an account with them. I have never signed any contract with this company and I did not allow them to run or access my credit information. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report regarding this unauthorized account.

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 2020-02-26 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:
XXXX, XXXX  and equifax has accounts on my credit report thats inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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 just sent a letter to XXXX ( their address is on their website. ) I couldn't even get into my XXXX  OR XXXX   because whoever is using my information ( and apparently working under my SSN! ), has been doing this for awhile. Therefore, I can't answer the security questions. It has been a very long time since I checked my credit reports, and I can see there are several accounts on the Transunion credit report ( that are NOT mine. ) I am on XXXX, so I drove down to the Social Security Office and alerted them, as well. I recently found out, also, from the manager at my section 8 building, that someone has been WORKING under my SSN. Apparently, this person is somewhere in California. I am in Florida. This is when I reported it to the local SS office here in XXXX XXXX XXXX, Florida. My next move is to file a police report and alert the IRS. I couldn't get into my XXXX and XXXX  reports, which is why I'm submitting this information for help, in hopes they get alerted as to what has happened. Thank you so much for your help and time, in advance. 
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 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I already reached out to CARRINGTON MORTGAGE SERVICES and to the 3 BUREAUS ( XXXX, XXXX and XXXX ) and notify them of their error posting of information on my report. I was never late on these accounts. On XXXX, I received their acknowledgement of the QWR and said the investigation would be complete on XX/XX/19. But they never sent a response. They are required by law under the RESPA/ Dodd Frank Wall Street amendment to provide the acknowledgement in 5 days ( research this to double check ) which they did, and then investigation results in 30 days. Which they did not. They are now in violation and must remove the 4 late pays reported. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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:
transunion, XXXX  and XXXX  has accounts on my credit report thats inaccurate

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 2020-02-26 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:
XXXX, experian and XXXX  has accounts on my credit report thats inaccurate

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 2020-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I disputed a transaction in them amount of {$54.00}. I mailed the product back to the seller in XXXX. I provided BOA with the tracking number, which states the XXXX post office received my item XX/XX/XXXX. I dont know how the postal system works in XXXX. 
But I did my part by mailing the product back and getting a tracking #. Bank of America has refused to refund my monies despite me providing a tracking number. 
Im not sure if they receive a percentage of sales from XXXX or why I have to fight to get my funds back.

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 monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: WA

Complaint narrative:
Experian is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b ). I have sent the required documents as described in the aforementioned law, Experian has no evidence to refuse a block under said law, and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Experian is now in willful noncompliance with the FCRA and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. XXXX  must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit

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 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: DISCOVER BANK
State: FL

Complaint narrative:
2017 I opened my account with Discover Card service and my account after six months the paid in full trade line was mysteriously deleted from all credit reporting agencies without just case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: FL

Complaint narrative:
2017 I opened my account with XXXX XXXX service and my account after six months the paid in full trade line was mysteriously deleted from all credit reporting agencies without just case.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
2017 I opened my account with XXXX XXXX service and my account after six months the paid in full trade line was mysteriously deleted from all credit reporting agencies without just case.

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 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have a PNC Cash Rewards and I want to pay my bill via their online banking. 

One of the Alert options that I chose was " Payment Due '' thinking that this option is one where I get an email alert about making payment on an upcoming bill. 

However, I never received any alert on my upcoming bills. When I called them about it on XX/XX/2020, I was told that this Pa ) yment Due alert is an alert that I have missed a payment and that PNC does not have any alert of an upcoming bill! THIS IS INANE -- - WHAT IS THE POINT OF ALERTING A CUSTOMER IF THE PAYMENT WAS ALREADY DUE AND HE HAS MISSED THE PAYMENT AND PNC HAS SLAPPED A HEFTY FEE? 

I did not want a paper bill because this is not environment-friendly but because they can't alert me of an upcoming payment, I requested to be sent a paper bill so I am reminded that a bill is upcoming. This is an unforrtunate consequence of their nonsensical alert system. 

XXXX  XXXX XXXX has an alert for an upcoming payment so I don't see why PNC can not do the same. 

IT SHOULD BE A REQUIREMENT FOR BANKS THAT IF THE CUSTOMER OPTS FOR ONLINE BANKING, THEN THEY SHOULD ALERT THE CUSTOMER OF AN UPCOMIING PAYMENT, NOT A ( STUPID ) ALERT THAT THEY WERE LATE AND THAT THEY NEED TO MAKE A PAYMENT AND PAY T HEIR HEFTY FEES.. 
.

Company response to consumer: Closed with explanation