vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I received a notice from XXXX that there had been a change to my credit score. Upon reviewing the details, the alert noted an inquiry was completed on XXXX, XXXX and XXXX by Quicken Loans. This unauthorized inquiry decreased my credit score by a total of 9 points and moving me down from an excellent credit standing to good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I received a special promotional offer last year on XX/XX/2020 promising double cash back on my credit card account up to {$45.00} cash back ( attached ) - 4 % : 2 % standard + 2 % promo. I activated the offer as requested and spent $ 2000+ on that billing cycle, which is beyond the needed spending to maximize this offer ( 4 % of {$1100.00} = {$45.00} ). To this day, I have not received the {$45.00} rewards credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XX/XX/20 called Victoria secret to see why my account was closed. Balance was XXXX and I had paid last payment in XXXX! They closed my account for inactivity and some other reason! They stated even though I was in good standing when they closed it they could do nothing! I had a period of no job and moved across the country! They stated they do not determine this! They could do nothing! I feel as if they waited for my balance to zero out and closed it! My score has dropped due to no income! But it actually has risen this month so why would they close my account this month! I am so dumbfounded! I feel as if they are mistreating consumers! Comenity bank and Victoria secret have left me with a dropped score now due to them closing my account unjustly! They gave me no number to contact comenity told me to write a PO Box ! I have another account will they close this as well behind my back! I got account assure you aid in having anymore financial trouble! Im very hurt! How can we build credit if you close accounts behind our backs unjustly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$550.00}

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 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$550.00}

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 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase is reporting a debt on my credit file that is not mine. I am no longer an authorized user on this card and It needs to be removed off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 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: MD

Complaint narrative:
The mortgage lender XXXX went bankrupt effective XXXX/XXXX/20. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XXXX 2020, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with XXXX, Experian, and XXXX. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.

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 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several inquiries that are being made under my name. I believe someone has been trying to purchase something using my name for over a year now because there is several inquiries that do not belong to me. I have taken action to prevent anyone from opening anything under my name. Please remove all these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX is reporting a debt on my credit file that is not mine. I am no longer an authorized user on this card and It needs to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX is reporting a debt on my credit file that is not mine. I am no longer an authorized user on this card and It needs to be removed off my credit file.

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 2020-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
Loan Depot agreed to refund my {$490.00} down payment to expedite this loan. This was on XXXX XXXX. I filed with the XXXX this was their response. However the interest I lost while my money was held. An investigation needs to uncover how many others have lost money under these pretenses. Shortly after receiving my down payment my loan was denied. I missed a mortgage payment from which I borrowed the money thinking my approval was imminent. I was turned down because of that late payment. Tried reaching out with a recommendation, to OK my application or reimburse my down payment plus interest compounded daily. After all they've made money on my money compounded daily from XX/XX/XXXX. As yet there has been no funds replaced on my card. Contact ; Loan Depot LLC ; XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX. Concerning Loan : XXXX # XXXX or Loan Depot LLC, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
this ( phoenix financial services llc ) company recently added a collections to my credit report for a hospital debt from 2013 ( 7 years ago ) and showed it as a new debt. this dropped my credit score 20 points. I disputed this debt with the credit bureaus and it was removed. they then re added this debt this same debt to my credit report dropping it another 20 points. they are constantly calling me and harassing me stating they'll keep re reporting it to all major credit bureaus until I make some kind of payment. they are rude and relentless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I tried transferring a prepaid coupon gift card issued to me by Amazon.com to my Amazon Prime.com Card Store Card Account. amazon states they they can not do that and I would have to deal directly with the bank that services their Amazon Prime Store card accounts.

Amazon Prime Store card account is serviced by SYNCHRONY BANK.

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 2020-02-21 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: AFNI INC.
State: TN

Complaint narrative:
I filed a report with XXXX  over 30 days regarding fraudulent accounts. The account were not removed. I provided a police report and FTC report and nothing was done. I called back to XXXX  and spoke with XXXX at XXXX XXXX  on XXXXand he stated he would not file a dispute for the following accounts below : US DEPT OF EDUCATION US DEPT OF EDUCATION US DEPT OF EDUCATION XXXX  XXXX  XXXX XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: WY

Complaint narrative:
I am now requesting the method you used to verify certain item. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnishes of information contacted in connection with such information and the telephone number of such furnishes. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I had a loan with XXXX XXXX back in XX/XX/2006 and then got another loan in XX/XX/2006 and paid off the 1st loan from XXXX. XXXX XXXX then transferred that loan to XXXX and then Greentree, or Ditech took it over. The problem is when XXXX paid off XXXX they never filed a lien release with the county and now its on my title as someone who has lien against my house and I cant refinance. Now when I call Ditech they have no record of the loan and will not release the loan because they cant find it in there system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: AR

Complaint narrative:
I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several inquiries that are being made under my name. I believe someone has been trying to purchase something using my name for over a year now because there is several inquiries that do not belong to me. I have taken action to prevent anyone from opening anything under my name. Please remove all these inquiries from my credit report.

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 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several inquiries that are being made under my name. I believe someone has been trying to purchase something using my name for over a year now because there is several inquiries that do not belong to me. I have taken action to prevent anyone from opening anything under my name. Please remove all these inquiries from my credit report.

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 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I received a letter in the mail that I was sent to collections. I immediately took actions and got a copy of my credit report to see why this was reflecting on my credit and why in the world this collection bill was under my name. My identity has been compromised and I need these fraudulent items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I received a phone call from a company saying this was their second attempt to contact me to sign for documents regarding a debt that they were collecting. When I called the number given to me back ( XXXX ) and gave them my case number of XXXX XXXX XXXX let me know that someone would be coming to my house to deliver paperwork about a debt that was going to be pursued and I had to sign the paperwork and legal action was going to be taken. I was told the debt was {$720.00} originating from Fifth Third from XXXX. She then said if I paid this amount over the phone and settled the debt then they would stop all legal action which could include a lean on my property, wage and income tax refund garnishments as well as revoking my license. The information that I was given regarding the company is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. When I XXXX this it is a XXXX Store. The paperwork sent to me while on the phone with XXXX and her bullying was enough to make me fall for this scam and I stupidly gave her my debit card information over the phone. It wasn't until I got off the phone that I actually had a moment to think and process this whole thing and realized I was scammed. The company does not come up on any XXXX search, neither does the phone number. I have called my back to try and dispute the charges and cancelled my debit card to prevent further fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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:
XXXX  Back in 2009 XXXX 's already had to pay a {$4.00} XXXX settlement after it was involved in a Texas state lawsuit where it was accused of deceptive trade practices. In XX/XX/2009, Attorney General XXXX XXXX filed a litigation against the electronics retailer claiming it violated the Texas Deceptive Trade Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
acct with bank of america XXXX is showing a balance of XXXX owed with late payments past XX/XX/XXXX to present date. it is showing missed payments from XX/XX/XXXX and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from bank of america was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX-XXXX. the have also violated the consumer protection act by not replying to dispute letter dated XX/XX/XXXX to dispute this acct. they stated that they did not receive the letter at bank of america address. but the address sent to is the address on the credit report that they send to all agencies. the address on credit reports are bank of america XXXX XXXX XXXX XXXX florida XXXX. I will attach letter receipt to show they revived it. plus other information from prior case number. plus they are adding late payments on this acct every month after notice to cfpb of actions to be taken.with reciept of letter and constant late payments request XXXX per incident. no reply in 30 days. and no correction done on credit reports. I hav called XXXX XXXX and left vm multiple times with no reply on this issue.

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 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My checking account has been closed by Bank of America a month ago. I called them a lot of times to ask refund my funds. It happens on XX/XX/2020. The amount is {$180000.00}. But until now, no one know what happens and when I can have my funds back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX XXXX & XXXX XXXX Flagstar LN XXXX This short sale was started on XX/XX/XXXX with Flagstar. 

On XX/XX/XXXX Flagstar found there was a discrepancy with the VA-Assigned Case Number. Flagstar opened up a trouble ticket within their company to have this issue escalated through the VA for resolution. 

As of XX/XX/XXXX there were no updates at all. Flagstar ( supposedly ) again escalated the issue with the VA. 

As of XX/XX/XXXX Flagstar claims there are still no updates.

While we understand the VA does take some time to resolve issues as they come up, this is taking much too long even for the VA. At this point we do not believe Flagstar ever communicated with the VA and followed-up with them regarding a resolution to this issue with the Case Number.

I want proof that this was in fact sent to and escalated with the VA for a resolution to the discrepancy with the VA-Assigned Case Number. I want Flagstar to contact the VA to find out why there is such a delay.

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