vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
This is regarding the loan for the work done by XXXX XXXX XXXX XXXX. I did not sign a work completion order and they are ignoring my attempts at this point for commutation. They called me 3 times in one day and finally told me they were no longer going to do business with me. They did not complete the work to satisfactory, I did not authorize the work to be done like this. This loan is in dispute XXXX is the loan number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One closed my account on XX/XX/year> per a " business decision ''. I had over XXXX points accrued from putting spend on my cards during my time with them. 

They went ahead, without notice, and redeemed them for half a cent per point statement credit, which is significantly below fair value. They did not give me an opportunity to transfer the points out to a partner or to at the very least redeem for XXXX cent per point against travel related charges. 

This is unethical and dishonest practice. Capital One can decide to close an account on a whim ( which I guess per Cardmember Agreement this exploitive practice is allowed ) but then they can also not give you chance to redeem any of your points earned for putting spend on their credit cards as advertised. Bait and switch SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX received letter regarding zombie 2nd mortgage loan from Realtime Resolution which original loan was a XXXX XXXXXXXX XXXX HELOC loan that was originated in XXXX that was {$65000.00} at 8 % interest. Which I utilized a XX/XX/XXXX loan to purchase home. Payments were made on account. Realtime resolution is requesting {$140000.00} at 12 % interest rate for same loan for the remaining time frame of original loan. Realtime resolution is foreclosing on my home. I sent a qualified mortgage resolution letter to real time resolution to validate account in XX/XX/XXXX. Did not received correspondence within the 30 days of QMR letter sent to Realtime Resolution and received Notice of Default was sent on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank 's branded store credit cards have experienced repeated, persistent issues with their login process on the web. When I have tried to login to my XXXX account, my XXXX account, and my XXXX XXXX XXXX account, I receive repeated errors that " we are experiencing technical difficulties, try again later. '' I have tracked this problem since XXXX XXXX. 

However, I can login using my CLOSED XXXX XXXX account and access all of my Synchrony Bank accounts. In fact, it has been my only means by which to pay bills and participate in payment protection programs. I can understand techncial difficulties, but I've nearly missed payments due to this technical issue. I have to question what level of effort they are trying to pursue in order to fix the issue, or if there is some potential gain through late fees if the problem remains unfixed. At 30 % interest, I would hope they would at least maintain functional web portal logins.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. I have denied a new bank account on XXXX because of an account at BMO Bank having been reported to XXXX. I never opened an account at BMO Bank and this account is fraud. I have called many times to BMO Bank but they are not able to help me. This is very frustrating because I am just a college student and have no access to a bank account. I ask that you please look into this so that I can have a bank account. I have put my personal info below so that you can quickly locate my account. When I called BMO Bank they refused to provide me a bank account number. 

My personal info ; XXXX XXXX XXXX XXXX : XX/XX/year> SSN # : 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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I looked back at my Credit report back on XXXX, XXXX XXXX, and noticed somethings are incomplete or are inaccurate. According to fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This Account XXXX XXXX I do not recognize at all. 

[ XXXX XXXX XXXX ] is inaccurate information and I do not recognize this charge off. Date last active, date of last payment isnt correct. Account isnt correct.

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 2024-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Somewhere XX/XX/year>2024, I applied for Everbank Savings account, after successfully submitting application online, there was a notice for a 3 days review on the application page. 

I had no response from Everbank whatsoever, no email to even confirm that I submitted application, no mail notice whatsoever and no communication from Everbank. 

This Month XXXX, 2024. I applied for the same Savings account and got the same notice for 3 days review on the application page online. 

This time I decided to call in immediately to get an update on the application. I spoke to one customer support and she suggested waiting out the 3 days review without even checking on the application. She also went ahead and said that I could check application status by setting up online account which seemed odd because I'm only used to setting up online account that is after applications are approved. 

I tried setting up the online account anyways and received an error ( attached ). 

Today XX/XX/year>2024, I called in to get the status of the application only to be told both applications on XXXX and XXXX were denied immediately after application was submitted. I asked her why I didn't receive any notice via email or mail regarding the application denial, even my application from XX/XX/year>2024 because I have not received any mail from Everbank. 

She's said she will give me a number to call to get more information on the application. I took the number only for her to mention that the number provided is to reach XXXX ( XXXX XXXX XXXX ). To point were she claim mail was sent by XXXX because I havent received any. 

How absurd! I need a notice from Everbank stating why both applications were denied and the inadequate service Everbank is providing to me be accounted for. As far as I'm concerned, my XXXX disclosure report is up to date. 

What is not up to date is XXXX communications from Everbank regarding my application and also, I didn't apply for an account with XXXX. The job of XXXX is to provide Everbank with my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
We had a issue where the mortgage company raised our mortgage payment without notification this was due to the home coverage going up that was not communicated with us as well. We were informed that we were short we reached out to PennyMac and sent in what we short. We made adjustments to our monthly payment to the new payment, a month later we received a call from a automated system from PennyMac stating we were short the same amount as the prior much, this caused much confusion. 
I called the XXXX and was transferred to call center in the XXXX where I spoke to a woman who refused to transfer me to an account XXXX. I explained my situation and the woman began to raise her voice at me asking me why I want to talk to a XXXX which I explained a second time why I was calling, I requested to speak to her XXXX and she continued to refuse to transfer me as requested, she then raised her voice to me again so I disconnected the call. I attempted to call another PennyMac line where I again was sent to the call center in XXXX a operator came on who spoke very broken XXXX which I think was done on purpose because as we continued with the call I could hear the woman who raised her voice at me previously. He then explained some of the money was sent to the principal which wasn't suppose to occur-I again asked for a XXXX and replied Why? After XXXX minutes of talking he refused to transfer me. I stayed on the line after our conversation concluded to take part in the after call survey however the rep hung up on me and I was not able to complete the survey that was advertised prior to rep answering. I have searched the web trying to lodge a complaint but all roads lead to the XXXX call center- I was told that when you request a XXXX they are required to transfer you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting 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:
MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-06-17 00:00:00
Product: Credit reporting 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:
MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian had a data breech and cross referenced with a woman of XXXX XXXX similar date of birth and social security number. 
I became aware on XX/XX/XXXX when I received a notification of a changed address to XXXX XXXX XXXX XXXX RI. I have never lived out of the state of Massachusetts in my 43 years. All my credit history is in Massachusetts. I then contacted unknown companies on my credit file. With the police as my witness, I provided my Social security number the companies stated they did not have a match in their system. Police report # XXXX Experian filed disputes with all the information stated above and the police report and refuse to remove the incorrect information. 

My information was leaked and now misused > I am now going through horrible loopholes to try fix it. No one is helping me. Experian should be overly eager since it was their mistakes that caused the headache!

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report.. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Conn's, Inc.
State: TX

Complaint narrative:
As a result of ID theft/data breaches in recent years, I have the following inquiries from XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, that need to be removed from all three CRA 's. I have tried to dispute this date directly with the creditor and got no response after 90 days. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation