vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute XXXX Account number : XXXX where I am only reporting as an Authorized User. This should not be reported in my credit report. This derogatory account is affecting my credit score. I am not responsible for the debt owed by the account holder. I have been disputing this account but XXXX  continues to report it. The account closed, I no longer wanted to be associated with this account. I just want to remove me from this account. I am continuously reviewing my credit report. I need to be reported as TERMINATED in Bureau Code next time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Consumer Real Estate Finance Co.
State: GA

Complaint narrative:
This company has been a nightmare to work with. After 6+ weeks working on our mortgage and being told " everything is good to go '' we find out at the last minute ( 2 days to go ) that everything is delayed. We are well qualified, have a substantial down payment ( around 40 % downpayment ), have provided everything they asked for, and have been assured that there are no problems. Then they dropped out of contact for about a week on XX/XX/XXXX ... We have sold our current home and the buyers are to take possession this weekend. We are scheduled to close the purchase of our new home today ( Thursday ) - the seller of that house needs the closing proceeds to purchase her new home on Friday. We have contracted with a moving company ( a 2-3 truck across state line move ) for tomorrow, Friday. The penalty for delay with them is $ XX/XX/XXXX/truck/day. I have repeatedly asked XXXX to speak with someone else at XXXX - someone who has authority and answers. I did speak with XXXX, who said he would have his boss XXXX contact us, but it hasn't happened. Although promised repeatedly, we have yet to be provided with an interest rate or closing disclosure. The processor keeps asking for one little document ( often one we've previously provided ) at a time. Then apparently everything goes back to the underwriters and the whole cycle of " we just need one more thing '' starts all over. Every day we are promised the closing disclosure and it hasn't happened. We still have no real confidence that this loan, that was supposed to close on the XXXX, will close anytime soon. We have a buyer wanting to move in our ( now sold to them ) house. We have movers scheduled for tomorrow ( XXXX ) who will charge us $ XXXXday/truck if the move is delayed or they end up with our stuff on their truck and unable to deliver because we haven't closed on the new house. We have a seller in SC waiting for us to close so she can buy her new home and move in as she's contracted to do. I am obligated to have a professional top to bottom cleaning of the house we've sold and it's stacked with boxes and furniture that we can not move. The cleaning company has to try and reschedule their other work to be available to clean here if/when we can close on our new house. We applied for this loan on XX/XX/2020 with a closing date of XX/XX/2020. I wish I had documents to attach to this, but other than emails promising we will get something soon we haven't received anything. I hope this will get their attention, and also will give a heads up to those thinking of doing business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have the phone app of XX/XX/XXXX on my phone which give 3 of the creditor businesses appearance.Equifax and Transunion have it down on the app that i am delinquent with XXXX XXXX even though the account has been closed, i have tried to go into those 2 and correct it with the dispute but conveniently they have it where you can not do so. I have never been delinquent with XXXX XXXX and do not even want them on my reports, period! I am fed up with these businesses deliberately posting lies and statements for people XXXXXX/XX/XXXX XXXX like XXXX XXXX who throw a temper tantrum over a customer who has had enough of they're acting out behavior of preschool. Photos attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission or acknowledgment.

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 2020-10-29 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: BROKER SOLUTIONS, INC.
State: CT

Complaint narrative:
I recently checked my credit report and have seen multiple hard inquiries that have severely impacted my credit score. I shopped for a mortgage back in XXXX or 2019. I do not believe the multiple hard inquiries should affect my score because they were all for the same reason and should be grouped together. Recently, I traded in my vehicle and purchased a second vehicle. I authorized the dealers to run my credit report to find me a good rate to finance those new vehicles. I was surprised to so my credit score decreased drastically since XXXX of 2019. 
I also saw that a mortgage company recently made an unauthorized inquiry on my report. I am no longer in the market for a mortgage and would have no reason for a company to do so. 
My complaint is that these hard inquiries have so negatively affected my credit score. Some were authorized for specific purchases but those should be grouped together. And, I have some unauthorized inquiries that certainly should not affect my credit score. 
Looking at my credit history you can see that I have not missed a payment in over 150 months and my credit was very good until these events. 
I hope someone can research my credit history and correct any and all negative events on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Local utility company XXXX XXXX XXXX entered incorrect address and banking information when I opened my account. I paid the account when I closed it, but the phone agent did not get the account information correct. Months later, the utility sent the account to collections. I never received any correspondence to pay from the utility. I never received any correspondence from the collection agency. I received notice from the XXXX XXXX XXXX XXXX credit monitoring service. The collection agency put three items on the credit report. Two were for the debt, plus one skip tracing item. I called the collection agency and paid the amount they wanted. I called the utility to inquire. They verified that they did not enter my address and banking information correctly. I ended up with three lines on my credit report plus had to pay several fees for an error that was on the part of the utility company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have the phone app of XX/XX/XXXX on my phone which give 3 of the creditor businesses appearance.XX/XX/XXXX and Transunion have it down on the app that i am delinquent with XXXX XXXX even though the account has been closed, i have tried to go into those 2 and correct it with the dispute but conveniently they have it where you can not do so. I have never been delinquent with XXXX XXXX and do not even want them on my reports, period! I am fed up with these businesses deliberately posting lies and statements for people XXXX XX/XX/XXXX XXXX like XXXX XXXX who throw a temper tantrum over a customer who has had enough of they're acting out behavior of preschool. Photos attached

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 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I had a mortgage with Bayview Loan Servicing loan number was XXXX. I requested information from them in reguards to the payment history that is reporting on my credit file. The bureaus are not reporting the full history and I believe it to be past the statute of limitations. I requested the full payment history from Bayview since the bureaus are not reporting it and what they sent was only an acknowledgement letter. I never received any type of payment history to match with what they are sending the the bureaus. I have attached a copy of the letter where they indicated that the proposed resoultion would be by XX/XX/2020 or if additional time was needed they would send me notice of that as well. I did not receive anything other than what was attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX Santander Consumer USA settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and Santander Consumer USA and its associated companies Chrysler Capital and XXXX XXXX agreed to the following conditions : Santander will pay {$65.00} million to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, Santander is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} million in loan forgiveness, and Santander will also pay up to {$2.00} million for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} million to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} million in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact Santander Consumer USA. in regards to the settlement. After contact Santander, XXXX XXXX, and Chrysler Capital they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues Santander and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have filed two disputes with SunTrust Bank regarding two separate debits through my debit card. The first dispute filed on XX/XX/2020 ( dispute ID XXXX ) and the second dispute was filed on XX/XX/2020 ( dispute ID XXXX ). SunTrust 's stated policy ( and possibly federal law ) requires them to fully resolve each issue within sixty days. Far more than that has elapsed and, although I did receive provisional credits for each charge, they have not yet finalized either dispute. Numerous telephone messages that I've left for their representatives have gone unanswered and numerous written inquiries mailed and e-mailed to them have gone unresponded to. I now seek the CFPB 's assistance in getting SunTrust to formally respond to and resolve these disputes.

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 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In attached Capital One response to several of my Consumer Financial Protection Bureau complaints, Capital One states they no longer have access to payment information. They processed payments in accordance to terms Cardmember Agreement. They also state they found no signs of fraud. Capital One concluded by politely stating they needed additional information and I had not called. 
Capital One can not do a proper fraud investigation without the payment information. Large consecutive payments that continually bounced should be a clue. Processing fraudulent payments is not referenced in Cardmembers agreement. Capital One simply states they found no signs of fraud. I request the details of the fraud investigation. Capital One allowed fraudulent use of card by means of fraudulent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently checked my credit report and have seen multiple hard inquiries that have severely impacted my credit score. I shopped for a mortgage back in XXXX or 2019. I do not believe the multiple hard inquiries should affect my score because they were all for the same reason and should be grouped together. Recently, I traded in my vehicle and purchased a second vehicle. I authorized the dealers to run my credit report to find me a good rate to finance those new vehicles. I was surprised to so my credit score decreased drastically since XXXX of 2019. 
I also saw that a mortgage company recently made an unauthorized inquiry on my report. I am no longer in the market for a mortgage and would have no reason for a company to do so. 
My complaint is that these hard inquiries have so negatively affected my credit score. Some were authorized for specific purchases but those should be grouped together. And, I have some unauthorized inquiries that certainly should not affect my credit score. 
Looking at my credit history you can see that I have not missed a payment in over 150 months and my credit was very good until these events. 
I hope someone can research my credit history and correct any and all negative events on 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 2020-10-29 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: CT

Complaint narrative:
I recently checked my credit report and have seen multiple hard inquiries that have severely impacted my credit score. I shopped for a mortgage back in XXXX or 2019. I do not believe the multiple hard inquiries should affect my score because they were all for the same reason and should be grouped together. Recently, I traded in my vehicle and purchased a second vehicle. I authorized the dealers to run my credit report to find me a good rate to finance those new vehicles. I was surprised to so my credit score decreased drastically since XXXX of 2019. 
I also saw that a mortgage company recently made an unauthorized inquiry on my report. I am no longer in the market for a mortgage and would have no reason for a company to do so. 
My complaint is that these hard inquiries have so negatively affected my credit score. Some were authorized for specific purchases but those should be grouped together. And, I have some unauthorized inquiries that certainly should not affect my credit score. 
Looking at my credit history you can see that I have not missed a payment in over 150 months and my credit was very good until these events. 
I hope someone can research my credit history and correct any and all negative events on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CT

Complaint narrative:
I recently checked my credit report and have seen multiple hard inquiries that have severely impacted my credit score. I shopped for a mortgage back in XXXX or 2019. I do not believe the multiple hard inquiries should affect my score because they were all for the same reason and should be grouped together. Recently, I traded in my vehicle and purchased a second vehicle. I authorized the dealers to run my credit report to find me a good rate to finance those new vehicles. I was surprised to so my credit score decreased drastically since XXXX of 2019. 
I also saw that a mortgage company recently made an unauthorized inquiry on my report. I am no longer in the market for a mortgage and would have no reason for a company to do so. 
My complaint is that these hard inquiries have so negatively affected my credit score. Some were authorized for specific purchases but those should be grouped together. And, I have some unauthorized inquiries that certainly should not affect my credit score. 
Looking at my credit history you can see that I have not missed a payment in over 150 months and my credit was very good until these events. 
I hope someone can research my credit history and correct any and all negative events on 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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Back in XX/XX/2020 I received a phone call from regions bank. They asked me to come in and verify my identity. I explain to them that I wont be able to verify my identity until I get my drivers license which was a month away. Fast forward to XX/XX/2020 I went inside the branch located in XXXX XXXX. The financial banker XXXX XXXX told me they just needed to verify identity. Keep in mind that I have an existing account with Regions Bank already. The banker told me that everything was gon na be fine and that my account was it going to be on hold. A few hours later they froze my account saying that they needed to investigate it. Because I have two accounts which I am allowed to have two accounts. They are saying that one account had the wrong social on it. Keep in mind that I have two businesses and 2 I EIN numbers along with my social so I mustve been one number off. Regardless of that Regions still open the account so that wasnt my fault. The banker try to associate me with criminal intentions by making statements like the FBI was going to get involved and things like that. It didnt make any sense to me because I came in there and provided a lease and drivers license regardless of one number being off I still am the person that opened the account. I believe that I was discriminated against because as soon as I came in and they saw someone other than thats when they froze my account. I will be filing discrimination charges against this bank. The bank itself told me that they were going to have my account on hold for months while they investigate they caused me to miss an important XXXX date that I had because I dont have access to my funds

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