vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 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: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019 Ford Motor Credit Corp add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX., XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX SINGLE FAMILY 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 2020-12-09 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NJ

Complaint narrative:
I initially disputed a few errors on my Experian report on XX/XX/2020. On XX/XX/2020 they received my dispute and never investigated my dispute. I contacted them a second time via certified mail asking them to remove the inaccuracies due to them not completing the investigation within 30 days and they still have not responded to my request. They received my 2nd request on XX/XX/2020.

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 2020-12-09 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: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per Equifax. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per Equifax. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX I add a hard inquiry on my credit report per Equifax. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FORD MOTOR CREDIT ( I add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent by mail to unfreeze my Transunion report. Forgot my pin. I sent my info by mail unfreeze having hard time getting actual help. Im in Mortage process this holding me up.

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX XXXX  via email with a Goodwill letter to see if they could adjust the late payments reporting on my student loan accounts with them. The alleged late payments came from periods that my forbearance supposedly covered. The rep said no because the information was accurate. XXXX is not complying with their policy that states any backdated, granted forbearance covers late payments if any shall be a result of it. They brought my account to current but failed to address and remove the late payments that occurred from XXXX XXXX XX/XX/2019 on the student loan accounts. XXXX  is reporting inaccurate information ( late payments ) on my consumer reports with XXXX, XXXX, and TransUnion.

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXX  ( XXXX  ) via email with a Goodwill letter to see if they could adjust the late payments reporting on my student loan accounts with them. The alleged late payments came from periods that my forbearance supposedly covered. The rep said no because the information was accurate. XXXX is not complying with their policy that states any backdated, granted forbearance covers late payments if any shall be a result of it. They brought my account to current but failed to address and remove the late payments that occurred from XXXX XXXX XX/XX/ on the student loan accounts. XXXX is reporting inaccurate information ( late payments ) on my consumer reports with XXXX, Experian, and 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 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My purse was stolen on XX/XX/2020 in XXXX, PA. I called TD Bank ( FDIC very number XXXX ) and alerted them to the theft and that my debit card and license were stolen. They Closed my debit card and instructed me to come into the branch to get a replacement. I went into the XXXX, PA branch the following day, XX/XX/XXXX, and again inform the teller that my bank card and my ID and my entire wallet have been stolen, that no checks were included in my purse, and I was looking to make sure that my account was safe. She processed a new debit card for me. On Tuesday, XX/XX/XXXX, I received a phone call from a TD Bank branch in XXXX Pennsylvania. They inquired as to whether or not I was in their drive-through, and when I answered that I was not, we determine the fraud was being perpetrated. Upon arriving at the branch they determined that it withdrawal slip had been forged and my drivers license, which had been stolen, was being used to attempt to withdraw {$4000.00}. Unfortunately, they also informed me that earlier that morning, in XXXX XXXX New Jersey, a withdrawal had already been made using the same drivers license and a forged withdrawal slip for {$4000.00}. Police reports have been filed both in XXXX Pennsylvania and in XXXX Pennsylvania. Im disappointed that despite the fact that TD XXXX was informed twice that my purse was stolen, that no holes were placed on my checking account or alerts placed on my checking account to ensure adequate protection. Ive subsequently, closed my checking account and placed additional protections in place. Unfortunately that does not get me back the {$4000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX and I am contacting you with regard to an ongoing issue I have been having with TransUnion. That credit bureau is reporting inaccurate information ( 2 recent payments ) on my credit report. This inaccurate reporting and overall failure to update, has resulted in my having been denied a credit limit increase with one of my creditors recently. I also anticipate starting the home buying process in the near future and can not have this inaccurate reporting be an issue. 

In XX/XX/2020, I submitted a request to the U.S. Department of Education, requesting that my student loans be consolidated ( thus bringing them out of default status ). That application was ultimately approved. In XX/XX/2020, I received the enclosed notification from XXXX, one of the holders of two of my previously defaulted loans. In that letter, ECMC acknowledged having received the payment required to bring the two student loans out of default status. XXXX has also updated those two accounts with the credit bureaus to reflect closed/paid. 

While I do not dispute those accounts as having been in collections, I am again disputing the inaccuracy of the reporting. TransUnion is currently reporting that in XX/XX/2020, I missed a payment on each of the loans that they were holding ( for a total of 2 ). 

This is incorrect. Per XXXX, TransUnion is reporting a late payment within the past 6 months. I also have a premier subscription with XXXX  that provides 3 bureau monitoring. My TransUnion data under that monitoring service ALSO lists a recent missed payment. That missed payment is XXXX. There were no missed payments and even when the account was in a default status, I had been making monthly payments for over a year.I have disputed this via phone ( XX/XX/2020 ), as well as online, but the information has not been accurately updated. 

On XX/XX/XXXX, I sent a letter to TransUnion ( via certified mail ), asking that they make the necessary corrections and/or updates on their end. On XX/XX/2020, I contacted them via phone to request an update. I was informed that they do NOT see any recent missed payments on my credit report. I again explained the information that is listed on XXXX and XXXX. TransUnion instructed me to contact the credit monitoring providers. 

I contacted XXXX  Customer Care and they explained to me that they could only update Information as it is provided to them by the credit bureaus ( in this case, TransUnion ). I am stuck in the middle and can not seem to get this information corrected.

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 2020-12-09 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: U.S. BANCORP
State: AL

Complaint narrative:
I received a notification in XX/XX/2020 that I had a late payment reported on my credit. US Bank holds my mortgage and I set up my account for autopay months before that. They had an internal error and did not pull my mortgage payment in XXXX  and failed to notify me of the mistake. They reported a late payment on my credit even though it was their fault. I called them and two customer service agents told me that it would be removed. It's still being reported on my credit file and they haven't taken it off yet. It is killing my score and needs to be removed.

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 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Two complaints outstanding. First  XXXX XXXX over-charge on credit card and second new. Neither have been responsive. XXXX XXXX  over-charge by {$21.00} on pair of men 's jeans believe CFPB case number is XXXX and second is XXXX XXXX aka XXXX XXXX at XXXX also over-of-charge of {$30.00} on debit to credit card of {$61.00} for XXXX  XXXX XXXX XXXX  advertised as 50 % off or {$30.00} with regular price of {$59.00}. 

CFPB has debit and formal complaint case number above XXXX for XXXX XXXX. 
New complaint is against XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UTXXXX 

Have attempted to contact both companies but no response from either complaint at XX/XX/2020. Both amounts of {$61.00} charged to our Chase VISA card ending XXXX. 
XXXX XXXX charged {$61.00} when item in their catalog {$45.00} and XXXX XXXX owes us {$30.00}. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AR XXXX Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: ID

Complaint narrative:
This is in regards to a mortgage serviced by Cardinal Financial Corporation, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. 

On XX/XX/XXXX my loan was paid in full. An escrow refund of {$2600.00} was due to be paid to me at this time. On XX/XX/XXXX, Cardinal Financial sent a check to the property address, where I no longer reside. USPS failed to forward the check, despite having a change of address filed with USPS. 

I called Cardinal Financial on XX/XX/XXXX and waited on hold for over an hour before the call was dropped by Cardinal 's phone system. I called back and spoke with a representative on XX/XX/XXXX, who told me I had to wait 30 days after the original check was issued to request a new check be sent out. 

On XX/XX/XXXX, I called back and spoke with a representative and requested that a new check be sent out to my current mailing address. On XX/XX/XXXX I sent a request through Cardinal 's secure messaging service on their website asking for the escrow refund to be sent again. As of XX/XX/XXXX, I have not received an escrow refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We have been paying monthly payments on the XX/XX/XXXX of the month for the past several years. I recently called to set up our automatic payment plan to have our payments come out every week. Wells Fargo screwed up on their end. They consistently took out the payments but had some kind of issue on their end resulting in us having to pay over {$2000.00} in payments to become current. This resulted in us having to come up with this money out of nowhere in order to keep our home.

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 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX ordered a quilt from XXXX for {$47.00}. I did not receive the quilt, instead they sent a drapery panel. They will not credit me checking account until I send back the drape I did not oder. I advised I am high risk and do not leave the house. They are holding my money hostage. I opened a billing dispute with Chase Bank and they will not credit my account because I received a drapes. I made a transaction in good faith. I did not receive my merchandise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
On XX/XX/2020 We contacted Cardinal Financial Company to start the process of refinancing our mortgage. The terms of the loan were acceptable and we agreed to proceed. We were given a rate of 2.875 % and points of 0.194 % with a no-fee rate lock until XX/XX/2020. We used the company 's webservice " XXXX '' to submit and respond to all request for documentation, always within 48 hours. The process was extremely slow and inefficient due to various departments working remotely from home. The title company being used also had major delays due to two hurricanes hitting the Gulf Coast where they were based. As a result, through no part of our own, the loan did not close before the rate-lock ended. Cardinal Financial began extending the lock week by week and charging us a fee. After several conversations with our loan originator, we were told not to worry, that the added fees would be adjusted upon closing. Unfortunately, by the time closing was ready, XX/XX/2020, the points were adjusted from {$670.00} up to {$2400.00} and a lock-extension fee of {$190.00} was added. We were exhausted with the process and needed to close, so we signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: CITIBANK, N.A.
State: GA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, Citibank Na., Best Buy add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
About 3 weeks ago, I found out that people have been living off our bank account for at least 2 years, maybe 3. We have been dealing with hackers and the Man in the Middle attack. They are reusing check numbers, taking money left and right using the names of places I frequent like XXXX, XXXX  or XXXX. I discovered over {$3000.00} stolen in the last 60 days. 

My bank is Golden1. They know about this but will do NOTHING to get to the bottom of this. We've been with them for over 20 years. I've begged for an investigation and they won't do it. I've had about 10 different credit cards given to me by them this year because they keep getting compromised. I firmly believe there are people at 2 of the banks I go to that are behind this. We even changed bank account numbers and that failed. 

I've written the FBI, gone to law enforcement and nothing. Law enforcement tells me they don't do hacking or fraud. 

I don't feel safe and am scared everyday. I don't know where to turn. Please help us!

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 2020-12-09 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: FL

Complaint narrative:
I have a mistaken bankruptcy on my credit report and an account I was never late on. Enclosed is a letter of explanation

Company response to consumer: Closed with explanation