vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NM

Complaint narrative:
For months we have had issues with 5th 3rd Bank for our mortgage. We refinanced and dropped our mortgage insurance payment. One occasion they under charged our account for our mortgage payment by {$12.00}. They did not notify us. They held the funds and counted us late. Until the next month until we called to pay our next payment. It was a true struggle for them to remove the late fee, fix our credit reporting, and find out why we weren't notified we were undercharged. The next month they took down the wrong account information and also charged a late fee. They called this time ; however, once they relized this was their error again, it was like pulling teeth to get them to remove the late charge and report correctly on our credit. They are impossible to get in contact with. Constantly being transferred to other departments. On 2 occurances there have been very rude and curt managers. One call never leads to resolution. They have made owning a home extremely stressful and unpleasent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
I file a dispute on XX/XX/XXXX and was informed that I was going to get a provisional credit for transfers that were pulled out of my account from current. And they send me emails about receiving dispute. Current even sent me email informing me that the dispute could ok say longer but a provisional credit will be return if they need more time. They told me that if the 10th day if they need more time. they will credit me. For a total of XXXX they sent me an email after I contact them about my provisional credit. Current closed my account. And I feel that they did that because they aren't following through with the dispute. I have emails and ticket conversation.im not happy with this scam through current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX, Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: GA

Complaint narrative:
On XX/XX/2021, I sent a certified letter to Experian requesting the method used to investigate an account on my credit profile from XXXX XXXX, as well as all persons contacted and verifiable information received. They have violated the law and have refused to provide any of the information that I requested to ensure that this negative item was disputed correctly and fairly

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 2021-08-19 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: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) as well as 15 US Code 1681 the former was reporting inquiries without my permission and the latter was accuracy and fairness of credit reporting. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter to TransUnion, XXXX  and XXXX. Enclosed was a copy of a letter, written directly to the Credit Union who holds the account in dispute requesting documentation as well as an affidavit to verify the legitimacy of the alleged account. 

I also explained to the bureaus that many of the transactions under the alleged account were commercial transactions and therefore, should not be reporting on my personal credit. 

Each bureau continues to report this account on my credit report without investigation. I also requested a full disclosure of my entire file and to provide me a copy of the written authorization or expressed consent given for them to report my intellectual property to their reports. 

See attached letter. 

All letters were sent certified mail also

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 2021-08-19 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter to XXXX, XXXX  and Experian. Enclosed was a copy of a letter, written directly to the Credit Union who holds the account in dispute requesting documentation as well as an affidavit to verify the legitimacy of the alleged account. 

I also explained to the bureaus that many of the transactions under the alleged account were commercial transactions and therefore, should not be reporting on my personal credit. 

Each bureau continues to report this account on my credit report without investigation. I also requested a full disclosure of my entire file and to provide me a copy of the written authorization or expressed consent given for them to report my intellectual property to their reports. 

See attached letter. 

All letters were sent certified mail also

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 2021-08-19 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 31 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive placed a fraud alert on my credit file. Equifax is still allowing my report to be pulled without my consent. Its been people fraudulently pulling my report. Please help me with this, this is a volation Per FCARA. I must look into getting legal help with this. The following inquiries are 1 XXXX XXXX XXXX 2. XXXX/XXXX  XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX XXXX 5 . XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: OneMain Finance Corporation
State: CO

Complaint narrative:
I submitted a dispute for a 30 day late payment that was inaccurate from Onemain and the 3 credit bureaus. This bank failed to send me billing statements from XX/XX/2021 to XX/XX/2021 even after I canceled the elections statement XXXX from the Branch mananger talked to me and assured me i would get my statements watch did not happen. I received a call saying my payment did not go through due to an error from on their website for XX/XX/2021, I was told because of their error i would not get a late payment or a late free. I have never had a late payment with this bank and had perfect history. Once again I did not receive a billing statement on XXXX or XXXX so I call in and paid off the whole balance because they keep having issues with sending me billing statement and issue with their website. I was applying for a Loan In XXXX and was information they put a late payment on me when it was their error they did not comply with FTCTA Act where they are required to notify me the insertion of a negative listing .They did no such thing. ( FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit addit
ional negative information to a consumer reporting agency described In section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( 1 ) ( I ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative Information to a consumer reporting agency described In section 603 ( p ).

( II ) Coordination with new account disclosures. If the notice Is provided to the customer prior to furn I sh Ing the negative Information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth In Lending Act. The Bank did no such thing. I also have not head back from dispute from Onemain and ignoring my dispute all documents enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: PA

Complaint narrative:
I have called the va they said I had to many repayments. But I fell down the steps at work and lost my job then corona hit and my husbands hours got cut. The va said the mortgage company can do a repay they refuse keep saying its on the va. Then the mortgage company never told me I could still just pay the back payment to get caught up then waited till I owed XXXX or more and said it was going to foreclosure they kee extended the loan and I am trying to catch up but XXXX is a lot to catch up to. My husbands hours are back to normal for now

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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

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 These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!

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 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise Credit Services, XXXX XXXX  XXXX XXXX, XXXX NY XXXX began calling me the end of XXXX or early XXXX claiming to be collecting a debt for XXXX XXXX XXXX XXXX. I informed them I did not have XXXX XXXX XXXX nor had I ever. 

On XXXX XX/XX/XXXX, after repeated phone calls I contacted my police department and filed a suspicious activity report. Soon after the fraudulent collections appeared on my credit report using an address in XXXX, Texas ( I have never lived in Texas ). 

On XXXX XX/XX/XXXX I called Sunrise Credit Services and explained again that is a fraudulent account. They said they would send a Fraud Report. They never did. 

On XXXX XX/XX/XXXX I mailed them certified return receipt notification downloaded from the Federal Trade Commission. A " XXXX XXXX '' signed for the letter. I never received any response. 

On XXXX XX/XX/XXXX I again mailed them certified return receipt notification downloaded from the Federal Trade Commission. A " XXXX XXXX '' signed for the letter. I never received a response. 

In each of the two mailings I have provided proof of my identity and proof of complaints filed with the police and with the Federal Trade Commission.

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 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Penfed Credit Union is claiming I have a balance of nearly {$8000.00} for credit cards I have never opened up with them. I do not have these credit cards and it is clearly fraud. I have reached out to them several times, including having an attorney write them and they are still trying to make me pay for it. This is not my debt.

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 2021-08-19 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 filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am contacting you regarding a 30 day derogatory marks that appear on my three credit bureaus reported by XXXX/XXXX XXXX XXXX XX/XX/2020. I dispute these and drequest a full expulsion of this 30 late imprint dependent on the instituted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illicit ) a particularly injurious imprint, subject to its terms. The reason for this letter is to ask that the slanderous imprint promptly be accounted for as current to the three significant credit detailing organizations, XXXX, XXXX  and Equifax, so this matter be settled genially and with no court intercession. Prior to the missed payment, I attempted to contact XXXX regarding my charge card payments, but ineffectively because of hold times a few hours in length. My income has been temporarily adversely affected by the COVID-19 outbreak, I have encountered serious monetary and a wellbeing difficulty because of the financial halt that our nation is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XXXX XXXX. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: MI

Complaint narrative:
I am contacting you regarding a 30 day derogatory marks that appear on my three credit bureaus reported by XXXX/XXXX XXXX  XXXX XX/XX/2020. I dispute these and drequest a full expulsion of this 30 late imprint dependent on the instituted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illicit ) a particularly injurious imprint, subject to its terms. The reason for this letter is to ask that the slanderous imprint promptly be accounted for as current to the three significant credit detailing organizations, Experian, XXXX  and XXXX, so this matter be settled genially and with no court intercession. Prior to the missed payment, I attempted to contact XXXX regarding my charge card payments, but ineffectively because of hold times a few hours in length. My income has been temporarily adversely affected by the COVID-19 outbreak, I have encountered serious monetary and a wellbeing difficulty because of the financial halt that our nation is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XXXX XXXX. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period

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 2021-08-19 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: NM

Complaint narrative:
I am getting daily phone calls on my cell phone, from " Midland Credit '', a company with which I have never done any business. They have said that they have the wrong last name and I have never had any other last name, so why are they calling me??? 

I owe a little bit on my mortgage, no payment has ever been late. I paid off my car early, I do not owe anything to anybody - outside of my mortgage which I could pay off in an instant. 

I do not own Midland Credit - or anybody else - a XXXX. I want these calls to stop. 

Get these guys off my back!!!

Company response to consumer: Closed with explanation