vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: NC

Complaint narrative:
Good Morning. My name is XXXX XXXX. My account number is XXXX. I just spoke to a XXXX representative. I was also informed XXXX only reports at the end of the month. I am currently in a deferment and my loan is in good standings and has been in good standing for the last few years. There is no balance due on my account. XXXX has reported incorrect information to the credit bureau twice this month. Once on XX/XX/2021 and XX/XX/2021. My credit score has dropped 42 points. This has caused me great pain and suffering. I have been working on my credit I have paid over several items recently. XXXX has done this in XXXX of this year and they fixed the problem now this is happening again. This is unacceptable. I have called, emailed, mailed, and faxed numerous letters to XXXX and no response. XXXX has only reported this to 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 2021-05-18 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: MECHANICS BANK
State: AZ

Complaint narrative:
Mechanics Bank Auto Finance has ruined my reputation by reporting credit inquiries to the XXXX. I did not consent to Mechanic Bank Auto Finance reporting these inquiries. XXXX has allowed Mechanic Bank Auto Finance to report a late payment. 
how is it possible to report a late payment in a consumer credit transaction that involved a finance charge. 15 USC 1605, the finance charge is the sum of all charges In a consumer credit transaction. what is a late payment defines by law?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ERC
State: CA

Complaint narrative:
I checked my credit and found a collections account with the original creditors name as XXXX XXXX, ENHANCED RECOVERY COMPANY is the debt collection company who took over the debt. I for one never opened a XXXX account on XX/XX/2020, or ever for that matter. I have paid all my bills all my life yet this collection agency resided to provide actual signatures or proof of use since this looks very much like ID theft. I have asked them several times to discontinue threatening me at work with legal XXXX and to provide an actual account number and date of service. When I mentioned the ID theft CPFB they said I was " on XXXX  and should learn to pay my bills. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC
State: TN

Complaint narrative:
Applied for PPP loan thru XXXX, SBA approved and funded, XXXX XXXX sent deposit on XX/XX/XXXX to my bank, and on XX/XX/XXXX initiated a reversal of funds from my bank account with no explantion. Contacted XXXX XXXX XX/XX/XXXX, spoke XXXX ( operator ) who in turn sent an email to the appropriate dept about my concerns ( XXXX XXXX ). XXXX XXXX has no working phones and do not respond to emails. XXXX XXXX sent email on my behalf to XXXX XXXXl on XX/XX/XXXX and someone called me only to be told " they have so many applications it would be impossibel to trace mine ''. I am going to file a police report for theft of funds if this is not resolved amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TX

Complaint narrative:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On Friday XX/XX/XXXX, we closed on a refinance with Freedom Mortgage. On Saturday XX/XX/XXXX, we received a check in the mail in the amount of {$3500.00}. I thought this was weird since there was no mention of this check in the closing of our refinance. I immediately called the closing department on XX/XX/XXXX at XXXX XXXX. I asked about the check amount and this check was explained to me per the letter attached, that it was a surplus, and it needed to be issued to me for payment. I was assured that I could cash this check and move forward with whatever I wanted to do with it. I cashed the check via mobile deposit with XXXX XXXX on XX/XX/XXXX. I did spend some of the money. On XX/XX/XXXX, I received a notification from my bank that the check was not honored. I called Freedom Mortgage immediately and explained the situation, I was put on hold for 3 hours! I hung up then I called back and was put on hold for another hour. I was told that this was a miss communication and that the money was needed to close the refinance and that the check was REVERSED without my knowledge or any from of communication. This left my account in a negative balance. I have a family of 5 and I have been asking my mother to borrow money for food, gas and bills. I have been without money because of this ridiculous mistake that I should not be punished for! I have been speaking to the escalation department to have at least {$1600.00} money returned to my account to bring it back to a positive balance. I have not received no answer as of today. I spoke to XXXX XXXX on XX/XX/2021 and was told that I would get a call back by XXXX, no call was returned. I called back today ( XX/XX/2021 ) I spoke to XXXX XXXX again and he has no answer for me as he has not heard from his upper management. He placed me on hold for 20 minutes before being transferred back to customer service. As we speak I'm still on hold to be transferred back to XXXX. This has been a grate frustration and this mistake is clearly theirs and they should be liable for this mistake.

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 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I opened a Hilton Honors credit card XX/XX/2021 with the promotional offer of 80,000 bonus points with {$1000.00} spent within 3 months. When I logged into their website a few hours later after having been approved for the card they advertised to me the same card with a promotional offer of 100,000 bonus points with {$1000.00} spent within 3 months. ( This is a difference of {$80.00}. ) I inquired why there would be such a glaring difference and if I could have have the promotion being offered to me today. They said it could not be done. I suspect this is a form of digital redlining and would like this sales practice to be investigated. ( I would also like the more favorable promotion valued at a difference of {$80.00}. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
The transition from my Simple account to their partner bank BBVA USA has left me unable to access my account, my funds, or even to close it. There has been no outgoing communication from the bank, password resets are non functional, and the call center is completely unreachable after weeks of attempts. I no longer even care to transition, simply to close my account and move on, but it has proved impossible, several weeks later, to even do this. The most communication I have received on their impromptu seizure of the balance of my account was from finding them on XXXX, of all places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I check my credit report a few months ago around XX/XX/XXXX and notice a fraudalent account that being falsely misrepresented on my credit report. I contacted this company via phone and also wrote letters.I sent numerous letter, one dated XX/XX/XXXX. Another on XX/XX/XXXX and most recently I sent a letter dated XX/XX/XXXX certified mail. The company reporting this is XXXX XXXX XXXX  and they are using XXXX  and TRANSUNION. There is also a unknown fraudalent hard inquiry on my XXXX report, please remove this XXXX  This inaccuracte and false reporting has caused me great harm in my life, it has prevented me from getting apartments and access to credit. This fraudalent account is still being reported on my XXXX and my Transunion credit reports. Please help me resolve this manner I dont know what else to do. 
Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I check my credit report a few months ago around XX/XX/XXXX and notice a fraudalent account that being falsely misrepresented on my credit report. I contacted this company via phone and also wrote letters.I sent numerous letter, one dated XX/XX/XXXX. Another on XX/XX/XXXX and most recently I sent a letter dated XX/XX/XXXX certified mail. The company reporting this is XXXX XXXX XXXX and they are using EQUIFAX and XXXX. There is also a unknown fraudalent hard inquiry on my Equifax report, please remove this XXXX. This inaccuracte and false reporting has caused me great harm in my life, it has prevented me from getting apartments and access to credit. This fraudalent account is still being reported on my Equifax and my XXXX credit reports. Please help me resolve this manner I dont know what else to do. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 ar

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Over the past 90 days I have sent Information furnisher XXXX XXXX XXXX XXXX two separate invoices, requesting payment for multiple consumer rights violations and fraud according to 15 US code 1692. The company has failed to respond to both my affidavit of truth as well as any response denying any claim.

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 2021-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit agency is reporting medical debts from a third party creditor. Its unlawful for a credit reporting agency to report a third party creditor on my credit file, only the original creditor.. I would like these accounts deleted off my file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX. XXXX I was attempting to set up an account on Cash app for my new phone. As I was typing in the information an account with my married name popped up with a username very similar to an account that I already have. However, the account that I found was under my maiden name XXXX XXXX and my account that has been active since XX/XX/XXXX is under my married name, XXXX XXXX. I sent the fraudulent account {$1.00} so that I could prove it existed and not authorized and immediately made a police report with XXXX Police Department XXXX report # XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has inaccurate data on my report partially from their own mistakes and the other from XXXX XXXX for reporting a payment late that was not. 

Transunion 's Dispute System is broken and twice charged be {$27.00} without warning for a dispute system that failed to generate a dispute. Telephone calls to Transunion were fruitless with significant language barriers. Customer service represents verbally said they would file the dispute but none ever was filed and I never received feedback. 

Dispute attempts were made on XX/XX/2021 and XX/XX/2021 but no results yet I was charged both times. 

Transunion also has telephone security inadequacies and would not put a password on my account as I requested. Authentication is minimal to telephone access my information. 

XXXX reported inaccurate information 5 years ago and Transunion does not recognize all the inconsistencies in the report. This is the ONLY detrimental report ever on my long credit 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 monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions
State: CO

Complaint narrative:
XXXX called XXXX university  to have XXXX transcripts sent. Was told by the university that my debt has been settled and sold to Halloway Collections. Called Halloway and they changed the fees and impersonated a school official stating I wasn't able to get transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies XXXX XXXX  Equifax, XXXX XXXX and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: CA

Complaint narrative:
A home equity loan came due in XX/XX/XXXX. Tried to settle with the bank which purchased the orginal loan from XXXX XXXX XXXX XXXX XXXX went under ). When into the bank in XXXX, Ca. talked to two sells rep and one manager to try and settle it with another loan, denied. Then the calls started apx XX/XX/XXXX to my office XXXX XXXX XXXX. I asked not to call me at this number due to it being a work number, failed. They kept calling 3-4 times a day then added a rebo call to the person calling. Went on for several months XXXX XXXX XXXX. during the last month or so I received a letter asking to settle for have of the amount. I was thinking it over and checking my finances. Then I got another robo call and then a person call XXXX XXXX XXXX. That told me that the left hand was not talking to the right. Now served with a court date I'm trying to get a loan to pay the amount. But found out that they put a Charge Off on the credit which makes it hard. But they are showing two amounts which one is the full amount owed and the other for a couple hundred more. A charge off is stated for amount settled for which is lower than what is owed. I tried to contact the company ( us bank ) one by u.s.mail and the other by fax. To this date no response.

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 2021-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MO

Complaint narrative:
I was interested in being pre approved with AmeriSave mortgage. My loan officer XXXX XXXX stated I had to pay an " appraisal fee '' in order to lock in my current rate. I paid {$540.00} on XX/XX/XXXX. There was no disclosure stating this was a non-refundable fee. Due to the current state of the housing market, we decided to not purchase at this time and I requested a refund of the appraisal fee. XXXX stated he would request my refund on XX/XX/XXXX. I noticed my refund had not been processed so I reached out to XXXX again. He stated he was not able to process the refund due to " reasoning '' and that I should reach out to customer service. I reached out to customer service and they stated they would reach out to his manager with the request. It should be noted, we never even put an offer in on a home and had no services rendered by AmeriSave Mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Bank Of America absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, 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 2021-05-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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