vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 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: NY

Complaint narrative:
It appears that XXXX, my student loan provider has reported my current loan status to credit bureaus. I noticed my credit score dropped for no reason. The only thing I believe could have impacted my score is utilizing the CARES Act and going into an emergency forbearance. However, based on Cares Act sect. 3513 loan servicers are supposed to report suspended payments to credit bureaus as if the payments have been made and NOT use any type of forbearance or deferment code. I believe some of the servicers are not reporting correctly. On XX/XX/13 my Experian score dropped by XX/XX/XXXX points even though my balance for my student loan had dropped. After filing an investigation with Experian it appears that XXXX is reporting to the credit bureau that my repayment status shows no payment with the remark paused due to natural disaster. This goes against Cares Act sect. 3513 : ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or and ( d ) REPORTING TO CONSUMER REPORTING AGENCIES.During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. Forbearance is typically a derogatory mark on ones credit report but since this is a special forbearance it shouldn't be counted as such per the above section of the CARES Act. According to the Cares Act sect. 3513 loan servicers are supposed to report suspended payments to credit bureaus as if the payments have been made and NOT use any type of forbearance or deferment code. I believe Cornerstone is not reporting correctly. I will be filing disputes with all three credit bureaus as this has had a negative impact on my score when per legislation this should not be the case. I have filed a complaint against XXXX and have yet to hear back - over a month has lapsed.

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 2020-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Opened a checking account with Citibank 's branch in XXXX in XXXX in mid XXXX, where I was promised free checks to be made available as a part of the account opening. No checks were sent to me for 5 weeks. I tried weekly to get a hold of the customer representative who opened the account, to no avail. I assume the branch has been closed due to COVID-19 but have no way of finding out as I don't live in XXXX. 

I tried tried contacting customer service representative twice and was put on hold indefinitely without any response. Being without checks for almost 2 months I went on the company 's website and found there was an order checks option. I chose it and it gave an option for 1 or 4 boxes. I chose 1 and proceeded to submit. No dollar cost was given, so I assumed it was handled without a cost. Following 1 more week without any checks, I again went on their website and chose to print again, this time for 4 boxes. Again, it did not mention any costs. I submitted for printing to be done. 

This week I was sent 4 check boxes, and my account my charged {$100.00} without any prior indication of the costs. I contacted customer support, and was finally able to speak to a representative who said he could not reverse the costs, but I should go to my closest branch with the checks and get reimbursed. I went in today and explained the story and was told they can not reimburse as they are not the branch with the account. 

I expect the charge to be reimbursed as it was promised for free and after 2 months, no checks were ever given and the printing costs were never disclosed by Citibank. 

I have emails from the customer representative until the opening of the account and promise to provide free checks, made by 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 monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Sent Certified Letters dated XX/XX/2019, XX/XX/2019 and XX/XX/2019 disputing a claim I have an {$1600.00} charge-off. Requested Midland Credit Management , Inc. ( a.k.a. Midland Funding LLC ) provide " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Midland. Additionally, provide the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they " verified '' without any proof, bearing my signature. Requested, in each certified letter, a copy of any documents, bearing my signature, showing that I have a legally binding contract to pay Midland the  alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: OH

Complaint narrative:
XXXX XXXX are reporting I was on LATE XX/XX/2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.

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 2020-05-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX are reporting I was on LATE XXXX of 2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: OH

Complaint narrative:
XXXX XXXX are reporting I was on LATE XXXX of 2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.

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 2020-05-14 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: PA

Complaint narrative:
I am writing to exercise my right to question the validity of the debt your agency claims I owe, according to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer required to remove inaccurate derogatory information from a consumers file that can not be verified. I would like to see a complete list of all documents and correspondence in regards to the below accounts. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX  XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. 

Thank you for your prompt attention to this matter.

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 2020-05-14 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$1900.00} XXXX   XXXX {$450.00} XXXX XXXX {$3100.00} XXXX XXXX {$3800.00} XXXX   XXXX  XXXX {$760.00} XXXX   XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
When interest rates dropped in XXXX, my mortgage company reached out to me about refinancing. I locked in at 3.5 % with no points. Two weeks prior to that my boss informed me that we were going to have to shut down our XXXX XXXX  due to COVID-19 and she wasnt sure how many hours she could guarantee me. So I called my mortgage company to inquire about having a month deferred just in case. I was told they do not defer but they offer a forbearance and explained that it would waive any late fees and would not hurt my credit or if I wanted to refinance. I didnt want to do that because I didnt want to pay two months worth the following month. Well they put me on forbearance anyway which I did not want to and which I ended up not needing Because I was able to keep working and did not use. I have never been late with a payment or missed any payments and my mortgage is paid up to date. 
After a month of sending in documentation and trying to keep from using credit cards, I was called and told they were stopping the refinance because I went into forbearance. So for the last three weeks I have been getting nothing but the run around from them and they say there is a way to make it work and will call me. But now for over a week I have heard nothing. 
I still want to refinance but they have dinged my credit report and I have paid {$540.00} for an appraisal. My credit score is around 754 and should be higher soon since I just sold a car and paid off that loan. 
I reached out to another broker and was told that I can not refinance if there is any record of forbearance on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX  credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX  XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 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 recently pulled my credit to try to qualify for a mortgage and I noticed there was an account that does not pertain to me. The account is from XXXX XXXX and it was opened in 2014 with an address that does not belong to me. I did not open this account and I am not responsible for it in any way. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services, or any other benefit. I never made any payment towards this account. I don't know who is responsible for this account but I have already filed a police report. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for CHASE credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called CHASE XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicers LLC The company bought a loan from XXXX  XXXX XXXX and immediately started harassing me and trying to change the terms on the loan documents and agreements made with XXXX  XXXX XXXX. I have written letters and spoken to " agents '' who are rude trying to explain to them that I have a HELOC and do not have an escrow account. I have not had an escrow account in 20 years. I paid my taxes, late sometimes but I always paid them. XXXX  XXXX XXXX paid two years of taxes for me and told me they would add the amount on the back end to my balloon payment, trying to help me out. I was fine with that. As soon as Specialized Loan Servicers LLC took over they started pressuring me for the amount and sent a statement with monthly payment @ {$16000.00}. Then they took it off and I guess put it on the back end after I confronted them. Next they started saying I didn't have insurance and they did forced place insurance without giving me enough time to find insurance. They force placed insurance for @ {$8500.00} a year and set up an escrow. I found insurance 45 days later for {$2300.00} and I am paying payments. They sent a letter saying they would remove escrow but they didn't and upped my payments to include escrow for the 45 days and escrow for the {$2300.00} which I am paying directly. I continued to pay my monthly payments but they put them in a suspense account and refused to credit them as monthly payment and again put the {$16000.00} on the monthly payment which was now {$19000.00} for a deficiency in escrow. I have repeatedly told them I do not have an escrow account - never have and I am paying the insurance and will pay the taxes, even if late. They are now trying to foreclose in the middle of caronavirus pandemic. They have been trying everything to foreclose on my property since they got the loan. They think it's worth a million dollars which it is not because it needs lots of renovation bathrooms are from 70s and everything is old and run down. I see that you recently won a class action lawsuit against them. In forty years I have a XXXX  and deal with many banks and loan companies and this company is the worst I have ever experienced. They operate like criminals.

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 2020-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
I got a call today on XXXX XXXX and the collector from Robert sugar law offices in XXXX Ohio called me in regards to a debt I/O for a student loan she wasnt very rude in tone but she did threaten legal action against me because I was unable to tell her a amount and date on which I was able to pay due to begin quarantined from my job from the COVID-19. yes I was getting paid at the time but had to spend most of my resources and some of my 401k  trying to get everything clean in my home and trying to make sure me nor my elderly grandfather in the home caught the virus. I am in a very stressful position since working at home due to the extra bills didnt have before. I am Im very behind and I am unable to pay that bill at this time and with the legal action getting thrown against me during this hard time it definitely set me off and I really dont wan na work with a company again due to my ignorance of the law. I dont want anything to be brought up against me in court in regards to this matter because I didnt go to law school so I dont really know the legal terms in the legal fall through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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 recently pulled my credit to try to qualify for a mortgage and I noticed there was an account that does not pertain to me. The account is from XXXX XXXX and it was opened in 2014 with an address that does not belong to me. I did not open this account and I am not responsible for it in any way. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services, or any other benefit. I never made any payment towards this account. I don't know who is responsible for this account but I have already filed a police report. I have filed this report to the best of my knowledge.

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 2020-05-14 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 recently pulled my credit to try to qualify for a mortgage and I noticed there was an account that does not pertain to me. The account is from XXXX XXXX and it was opened in 2014 with an address that does not belong to me. I did not open this account and I am not responsible for it in any way. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services, or any other benefit. I never made any payment towards this account. I don't know who is responsible for this account but I have already filed a police report. I have filed this report to the best of my knowledge.

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 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: PA

Complaint narrative:
This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation