vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-09 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: AES/PHEAA
State: PA

Complaint narrative:
It has come to my attention this organization has been reporting inaccurate information for over 2 years on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
I granted the right to extend credit today, XX/XX/2021 to XXXX OF XXXX! XXXX of XXXX financial and XXXX XXXX XXXX both received payment off of my transaction! I continuously told the representative repeatedly that I was completing a consumer credit transaction and that my signature and social security card is sufficient enough to secure the car! Federal law states The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit pursuant 15 usc 1602 ( l ). I told the representative I was giving an oral consumer report and assuming a vital role over my life. 15 usc 1681 ( a ) ( 3 ). I am the consumer, natural person and original creditor. I am not the fictional entity. 15 usc 1602 ( f ) Credit is my XXXX given right granted, not a privilege and no organization can tell me what I am worthy of! They used my credit card ( ssc ) and placed an hard inquiry on a consumer report, but denied me. Its aggravated identity theft! 18 usc 1028a I am well aware of the process of a consumer credit transaction & the banks are borrowers, I am a lender! A Security Exchange was supposed to take place, but it did not! They took my security and gave me nothing for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 Experian received my documentation from US bankruptcy court stating they do not report to credit bureaus and a copy of my XXXX XXXX showing the bankruptcy was removed. On XX/XX/2021 Experian stated via email and telephone that they verified my bankruptcy through XXXX XXXX. This information is inaccurate and needs to be deleted

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 2021-12-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
It has come to my attention this organization has been reporting inaccurate information for over 2 years on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OPEN MORTGAGE LLC
State: OK

Complaint narrative:
Started to buy a house in XX/XX/2021 I was leasing home when owner offered it to me to buy it. Well I said yes I wanted to. Went to XXXX XXXX to get my loan. I got stuff turned in they kept saying I needed this or that. Well it took to long to get the loan so owner backed out. They allow him to and give him everything back. I had to move and so they ask me to look for another house I did found one and now Im going through the same thing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was suppose to close on XXXX of XXXX then again on XX/XX/XXXX again. I told them my loan hasnt even gone through yet I cant wait any longer to buy. So now they are asking me to pay fees for the house I lost because of them and then fees now just random gear say stuff. Some things yes I agree to. The 2nd house they did nothing Ive only done application part but of course they are trying to XXXX me over even more. I need some help with this these people have ruined my life and my buying experience for a home. Thanks I can get more info if needed .... Company is XXXX XXXX XXXX. XXXX ok & open mortgage XXXX, tx

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 bXXXX I have been current so I don't want that to continue to affect my scores. 

CREDITACPT 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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: NIC, Inc.
State: AZ

Complaint narrative:
I am filing this grievence due to my frustration with a medical balance that was regretfully placed with Nemos Collection. I recently created an account to monitor my credit and was alerted to a collection still reporting to the bureaus that was paid with the understanding it was going to removed from my credit profile, which I now see it was not. I reached out to Nemos Collections for clarication and to request a deletion of the collection but was met with if I paid my bills I wouldnt be in this situation & that this is my fault, etc. which is highly unprofessional and unethical. In hindsight, had I have known I could have disputed the collection while I researched the validity of the balance to ensure it was in compliance of the Medical Debt Act & HIPAA guidelines I would have gone that route. This is not my area of expertise which is why I trusted, in good faith, the process. Due to erroneous collection tactics, I would like this collection removed from my credit profile with the bureaus. The debt was settled XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I sent letters on XX/XX/XXXX and XX/XX/XXXXand havent gotten a response or anything in writing from none of the XXXX credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX  has eveidence that this clearly does not belong to me. within timely definsition per federal standard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
I applied for a loan online thru their site to get help with my credit consolidation I sent over all my personal info and filled out the application. I never heard anything back from them. Have called SEVERAL times and no one answered. and emailed also!! No one will get back to me. I do not trust them and do not want the money at all anymore. Unsure what they did with my info and how I can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I sent letters to all three credit bureaus including creditors and havent gotten a response concerning results. These items should not be on my credit reports. I requested for them to show proof of compliance and verification and creditor havent been able to provide as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I would like to file a complaint against Bank of America. I left the United States in XXXX to go overseas to work with the military and before I left, I sent letters and call all those that I had some form of business relationship to cancel their services. When I came back to the United States of America in late XX/XX/XXXX I tried to apply for credit, and it was denied as they said that I have a charged off account on my credit report from Bank of America and I was shocked by this. I then called Bank of America and disputed this and asked the young lady to remove it from my account. She informed that it will not be removed until I pay the amount that I allegedly owed. I was going to fight this matter in court but my wife said that it would cost me more than what I would receive so we should just pay it and get along with our lives. I reluctantly agreed to what she said. 
I then called back and spoke with a Bank of America rep who informed me that she can not fully discuss my account with me but all that she knew was that once the funds were paid that I allegedly owed then the negative item would be deleted from my account. She called it ''A PAY FOR DELETION ''. To this date the item has not been deleted from my account as promised and I recently got a letter from Bank of America stating that they are unable to provide me with documents signed by me saying that I opened the account as the account they claim was opened online. I never applied for a Bank of America card online. 
So, they can not prove that I opened the account but yet they continue to report a negative item on my credit claiming that the account is mine and this makes no sense. If you can not prove that I opened the account, then how can you report it on my credit report. This is totally illegal. 
I am not interested in a long-drawn-out battle with Bank of America. I just want them to send a report to the credit bureaus requesting that Bank of America will be deleted from my account as promised by an agent of their company. I lost my wife and a child to XXXX, and I am trying to rebuild my life. I suffer XXXX and this situation is causing undue stress. Please show some compassion. These are terrible times we are living in I am enclosing a copy of the letter Bank of America sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: CarMax, Inc.
State: FL

Complaint narrative:
I sent letters on XX/XX/2021 andXX/XX/XXXXand havent gotten a response or anything in writing from none of the three credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX  has eveidence that this clearly does not belong to me. within timely definsition per federal standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I sent letters on XX/XX/2021 and XX/XX/XXXX, XXXXand havent gotten a response or anything in writing from none of the three credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX  has eveidence that this clearly does not belong to me. within timely definsition per federal standard.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was charged for a hotel room that I did not stay in. It was smelly and I asked for another room. They showed me one room. It was just as bad. The girl told me that they were all same after I asked her if she could put me a better room. We walked back and she told me she was not authorized to give me a refund. Only the General Manager could give me a refund. I was instructed to call the next day for a refund.. Long story short the name she gave me was not the managers name I called three times as instructed by them for a refund.When I was leaving.the desk clerk told me to go down to the XXXX down the street and try them. 

My credit card company Capital One sent me two letters that the hotel room charge was taken off, I just received another letter from Capital One that they put the charge back because the hotel did lie and said I was there .The Credit Card company is putting me through XXXX with taking the charge off, then putting it back on after I jumped through hoops to submit a bunch of paperwork and spoke on the phone a half dozen times explainting this to them.. I submitted my documents of staying XXXX miles down the road at a XXXX. Submitted a bunch of documents. 

I am cancelling my credit card that I took out in 1993. It is a XXXX XXXX Credit Card and the bank connected is Capital One. My XXXX XXXX is XXXX. I pay my bills. I will not pay for something I did not get. No room, just lies.. It was a scam. A total scam. I got no accommodations. I also filed a report to the XXXX  and they informed me they contacted XXXX XXXX XXXX XXXX XXXX SC twice and got no answer back from the XXXX XXXX XXXX My credit card company said it is end of story I owe {$73.00} and I got ZERO in return, no room, no accommodations and said they will send me the bill and I refuse to pay for something I did not receive. I never stayed in the room, never brought one piece of luggage in the room. If they put the charge on my card with my next bill I told them I refuse to pay it. I was scammed and Capital One is allowing this scam. I did not book ahead. I was there in person and if the room is not adequate they always refund me or find me a room. Not tell me go down the street and I will have to call for a refund.. The woman told me the rooms are all the same and I would be issued a refund from the General Manager. They lied and I refuse to pay it on my credit card period. Capital One refused to protect me from a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On these dates below the following inquiries were unauthorized : ( XX/XX/XXXX ) XXXX XXXX, ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a mortgage with Bank of America and they provided a letter showing the closing amount due as {$220000.00} good to XX/XX/XXXX. 
I closed on a refinance with XXXX XXXX on XX/XX/XXXX with XXXX, XXXX, and XXXX as the closing agent. 
The amount of {$220000.00} was wired to Bank of America. 
Today, XX/XX/XXXX, I receive a letter from Bank of America the balance for payoff as of XX/XX/XXXX is {$270000.00} and they have not closed my mortgage and have not sent a satisfaction of mortage letter. 
On XX/XX/XXXX, Bank of America took a full mortgage payment plus a principal curtailment in the amount of {$1900.00} without my consent. 
Not only did Bank of America change the payoff amount, they later increased it from {$220000.00} to {$220000.00} plus they took a full payment on XX/XX/XXXX without my consent. I am on the phone with XXXX from Bank of America today and have no resolution.

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 2021-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Received unsolicited XXXX credit card in mail. It is an actual store credit card from Comenity with activation information, but the information sheet that came with it states, Credit Card offers are subject to credit approval.

Company response to consumer: Closed with non-monetary relief