vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have notified the three bureaus that I have been a victim of identity theft but they continue to report this account from XXXX XXXX XXXX and inquiries from companies that I have never applied to or received anything from. I don't understand how they can report this and this was all done " Fraudulently. ''

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 2021-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
these acoounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: BANK OF THE WEST
State: FL

Complaint narrative:
these acoounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK WEST Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CHASE BANK REFUSING LIGIT ACH authorized payments causing impacting financial hardship. Vendors being told at clearing house customer does not authorized the transaction. Totally false. Chase at every level unanle to respond with a reason they just keep rejecting. Unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
In early XXXX of XXXX my husband filled out an application for a VA loan refinance mortgage at the local TD Bank branch where he does business. I am at XXXX veteran. I served in the XXXX XXXX XXXX XXXX  from XXXX - XXXX. After complying with all of TD Bank 's document requests, they had given us a tentative closing date of XX/XX/XXXX. As the date approached, I was in contact with the lender the week before because I was planning a trip to California on XX/XX/XXXX and would not be back until XX/XX/XXXX. I wanted to make sure that we would be closing on the XXXX. The lending officer assured me that things were going along and that I shouldn't worry because our rate was locked until XX/XX/XXXX. Here we are XX/XX/XXXX and we still have not closed on the loan. I have complained several times to the loan officer that this process was taking an exceptionally long time. She requested more information about my job history TODAY, the day our rate lock expired. She said she extended the rate lock for an additional 15 days. I asked her why she didn't ask for clarification on my work history last month. She said the underwriter just requested it. I told her I did not okay a rate lock and would not Okay one without a firm closing date. She said it can take hours for the underwriter to review the loan information, which they now have had for 4 months. 
During this process, sometime in XXXX my husband received an email asking him to explain about the property he owns in NJ. He does not own property in NJ. The bank mistakenly uploaded another clients information into our portal. My husband was able to see the man 's name and the property he owned. TD Bank pushed it off as if it wasn't an issue. 
I told her I would be filing a complaint about the handling of this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
XXXX XXXX notified me of an inquiry on my XXXX  credit report. When I contacted XXXX  on XX/XX/2021 dispute this error, they closed the dispute within twelve hours, responding that it was a factual record of file access. 

I had informed XXXX that I never authorized a credit report " pull '' to Curo XXXX XXXX, ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) nor have I authorized Any company to pull my credit in the last 180 days. They chose to ignore my pleas that this access is fraudulent and my concerns that it will be used to commit fraud that may cause monetary damage to me. 

XXXX  has offered to sell me a product that notifies my by text message for $ XXXX/month as a remedy to this dispute. I need the CFPB 's assistance to remedy this issue and prevent this from happening to other consumers. 

I have also contacted Curo XXXX XXXX  but there is no way to get a hold of a human being so I left a message. 

Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am over XXXX years old and have been receiving unwanted calls from different numbers. I have been suffering from XXXX XXXX XXXX and these unwanted calls affect me very much. On XX/XX/XXXX at XXXX XXXX, ( XXXX XXXX XXXX - said this agency wants me to enroll on Forgiveness Program. I never loaned to go to any school in my life. The agent asked me to call a toll free number XXXX to complete my " file ''. On XXXX XXXX  of XX/XX/XXXX, another number XXXX XXXX XXXX XXXX left a message on XX/XX/XXXX saying that I should reach their office so they can take a necessary action about a proceeding case and the deployment # XXXX. A robocall ( XXXX XXXX XXXX left a message on XX/XX/XXXX at XXXX XXXX  only saying " Hello, this is XXXX with the finance '', and kept repeating. On XX/XX/XXXX at XXXX XXXX, this phone numbers ( XXXX XXXX XXXX left a message about student loan that I never borrowed, left a toll free numbers ( XXXX XXXX XXXX. Prior, the same person called and left a message on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX, agent with direct phone number XXXX XXXX XXXX XXXX left a message about " federal student loan repayment ''. Again, I did not borrow or file for a student loan. There were occasions that I looked for online classes because of " work source '' website but I did not apply for a student loan and I didn't pursue any online class at all. Thank you for the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have made a just a legal attempt to get American Express to remove a credit report. I sent them Certified return receipt correspondence and after 30 days they failed to provide me with any information. After the failure and giving the due time I sent another letter giving them 10 days to show proof of the debts or delete the file. My letters were carefully written under guidance from a credit counselor and the only response is that they can not comply because they have a wrong address associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient is repeatedly calling my employer, past employers, extended family, friends, acquaintances, and friends of extended family revealing the status of my loan and my private information to numerous parties each day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: American First Finance, Inc.
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had a repossession from Wells Fargo dealer services occur. They not only didn't give me the letter to buy the vehicle back. They were reporting late when I wasn't. Refused to give me an itemized statement to cross reference with my receipts. They added on to my loan. Sold the vehicle at auction but didn't put that amount on the loan and then ruined my credit when the loan was paid after the auction. I have tried numerous times with no luck. 

I have already reported to XXXX and XXXX and they removed the debt and made it so wells fargo can not report anymore. I am asking Wells Fargo to remove from XXXX and stop stealing from people with deceitful practices.

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 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Interstate Credit & Collection, Inc.
State: GA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I opened three business credit cards with Chase. The credit card that is the subject of this complaint had a minimum spend requirement, which I satisfied, in exchange for XXXX Chase Ultimate Rewards Points. The credit card referenced ends in the four digits of XXXX. 

On or around XX/XX/2021, I logged into my Chase account and discovered that the account had been terminated, and that the XXXX bonus points attributable to the account had been forfeited. I never received any phone call, written correspondence or email about the account cancellation or forfeiture of bonus points. 

I work a busy full-time job, but set aside time to attempt to resolve the issue with Chase. On each call, I was referred by a Chase employee to a supervisor to request that the points be reinstated given that I had received no notice of the account closure or points forfeiture. The supervisor said that Chase had sent a notice by mail that was not returned, and therefore I had been deemed to have received notice of the account closure and points forfeiture. Apparently, if I had transferred my points to another of my two accounts within a certain period following the closure date, I could have retained my points. I would have absolutely done so had I received adequate notice from Chase, but I did not. 

On the first call, the supervisor told me there was nothing she could do. One the second call, the supervisor told me that she would initiate a " formal complaint '' to see if I could have the points reinstated, and that I would receive a written response from Chase within 5 to 7 business days. 

I then learned about my right to file a complaint with the CFPB, and called Chase once final time to see if they could reinstate the points without a CFPB complaint filed. On this third call, I was again connected to a supervisor who told me that the supervisor from my second call had NOT filed a formal complaint despite her telling me that she had done so, and that there was nothing they could do. 

I believe that my points were unfairly forfeited given Chase 's failure to provide adequate notice. I regularly receive notices about my credit cards via email, text and mail. Apparently only one piece of mail was sent to me about this matter of real value, and I never received it. Please see my request for relief below - I am simply asking for a reinstatement of the points that I earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
On XX/XX/2021 my wife and I looked on XXXX to search for the best rate on a jumbo loan refi. We both have excellent credit scores and the XXXX on our proposed loan is about 50 %. 

As per the attachments, Ally Bank CorpXXXX listed a jumbo loan offering on XXXX with an APR of 2.577 % for our loan and a monthly P & I payment of {$2300.00} per month, assuming a credit score above XXXX. Based on this information, we spent over an hour filling out Ally 's application. 

We then received a Loan Estimate with an APR of 4.147 % and a monthly payment of {$2800.00}. Page 5 of the LE cites " New Information unknown at time of original LE '' as the reason for the change. This is false as our credit scores and loan values are even higher than listed. 

This is a blatant example of " bait and switch '' by the lender and they should be sanctioned for it. I am certain that I am not the only borrower who has wasted their time filling out a loan application with Ally, only to have a dramatic increase in the APR at the end of the process.

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 2021-06-22 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: MN

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc.
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Hello, My complaint is in regards to my Apple/Goldman Sachs general credit card. I opened the account in XXXX XXXX XXXX  and have used it consistently, have never missed a payment nor have I ever been late on a payment. 

I keep my balances very low as I take my credit score very seriously and keep overall balances at approximately XXXX %. 

This particular account consistently fails to report updated, accurate information which has negatively impacted my credit score and at one point prevented me from attaining another line of credit due to inaccurate information on my credit report on my Apple/Goldman Sachs card. 

Right now, today for instance, according to my XXXX  credit report, I have a balance of {$160.00} and have a 10 % usage percentage. In reality, I have a XXXX  balance. The balance of {$160.00} was from back in XXXX. I have used my card every month and have paid off my balances three times since XXXX. 

All three credit bureaus are reporting outdated information for this credit card because Goldman Sachs has not reported correct information. XXXX  says I have a {$250.00} balance on this card! It's all wrong and it's unfairly hurting my creditworthiness in the eyes of lenders. 

All three credit reports show Apple/Goldman Sachs has not updated my account since XX/XX/2021 ( and even then, the balance was not correct. ) Not only does it incorrectly show a 10 % credit usage on XXXX and XXXX but it shows a whopping 17 % usage on my XXXX report!! Absolutely wrong and UNACCEPTABLE. 
Then to add insult to injury - XXXX  is now threatening to remove the account altogether due to *lack of reporting* which will negatively impact my score even further. 

I have spoken to three different people at Goldman Sachs at length. No one can explain why this is happening and each opens a " ticket '' that promises to look into it and I am told I must wait ( yet another ) 30 days for their investigation to be complete as to why they are not reporting correct payment and balance information. Nothing ever updates and I have never once received any confirmation that their investigation was completed. I've worked so incredibly hard to build my credit up and rely on my score for business as well as personal projects. I have a pristine payment history across all lines of credit including this card but Goldman Sachs continues to incorrectly report balances and payment history. 

Also, when I have tried to dispute the balance / payment history with XXXX they tell me I can not dispute it and that I have to just wait for Goldman Saks to update my account. Then they threaten to remove it altogether due to " lack of reporting. '' ( Insert scream here. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
According to 15 U.S. Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates

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 2021-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called Citibank 5 times to close an account and got hung up on 4 times. The only time that I got to talk to someone in the department responsible for closing my account turned around and gave me a phone number to call. To add insult to injury, the phone number he gave me doesn't even work! 

There are no branches in my area anymore and I have no way to physically go to a branch and close it. 

Every time I called the customer service line, every person who answered is from other part of the world. I had a woman put me on hold ( before it was disconnected ) and I could hear a rooster in the background! 

This is a pathetic joke.

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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