vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have filed online a request for annual credit report. I went thru all the steps and at the end I did not get the report. Their system hang and that was it. I did not get my report. 
Now, this company make impossible to contact them. 
I did call and they never pick up the phone. Automated system ask endless question and it is impossible to get a person on the phone. 
In the end I don't have my credit report. This was about XXXX to XXXX days ago, which would make a XX/XX/XXXX, 2021 The company hides behind their automated system and it is not possible to get in touch with them.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
OnXX/XX/XXXX - I received an alert that a medical debt collections was added to my credit file ( Experian ). This debt was paid with the original creditor and a letter was provided that states all debt information and the entire reporting will be removed from ALL of my credit files ( XXXX, Experian and XXXX ). I am showing that it was removed from XXXX, but now it shows on on the others. This debt should have never been on my credit file as I never received any letters or calls and was told they had an old address that I have not lived at for several years. So, how was this even added to my credit file with no knowledge or no contact being made?

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XX/XX/2021, XXXX gave an offer of signing up for XXXX 's XXXX that they would pay {$45.00} for. I don't use my XXXX card much since they changed purchase protection. So buying XXXX XXXX XXXX was the only thing on my card. I paid the {$3.00} in taxes but instead of taking care of the {$45.00} as they promis3d, they said it would take XXXX billing cycles. The amount remained on my card since I purchased nothing else with my card. Instead of wiping out the debt they promised to pay, they charged exorbitant late fees and interest charges, which I then I had them removed. This went on for a couple of months until I just canceled the XXXX 's XXXX membership as it did not look like they would ever honor their promise and they were reporting me late to the credit reporting agencies for money I did not in fact owe. I tried to get them to remove the late reports and they refused. I disputed it with the XXXX agencies but Experian also refused to remove it. This has significantly hurt my Experian score and my ability to get a new credit card which affects me greatly. XXXX 's practices were greatly deceptive. ( XXXX had like offers and immediately removed the charge. I had no expectation that XXXX would not due so. It was after the fact that I learned they wouldn't. ) I think both XXXX and Experian should be forced to immediately remove these late reports and adjust my score accordingly.

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 2021-12-01 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: NY

Complaint narrative:
These account do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

CAPITAL ONE BANK USA N Account Number : XXXX Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OR

Complaint narrative:
I recently was reached out to by an Amerisave representative advising that they could provide me a better program than what I had. I was hesitant because it was a new home purchase and I just went through all this. I was told by countless people that this was a good move, I would be saving money and interest. I would argue that they did not evaluate the " net benefit to borrower. '' And that this seems to be " predatory lending ". It is going to take me XXXX years to break even and I only saved XXXX per mo. I was completely lied to! I can send supporting emails, CDs and previous statements to support this claim. I was taken advantage of and I'm extremely upset that a company would do this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX - I received an alert that a medical debt collections was added to my credit file ( XXXX ). This debt was paid with the original creditor and a letter was provided that states all debt information and the entire reporting will be removed from ALL of my credit files ( XXXX, XXXX and Equifax ). I am showing that it was removed from XXXX, but now it shows on on the others. This debt should have never been on my credit file as I never received any letters or calls and was told they had an old address that I have not lived at for several years. So, how was this even added to my credit file with no knowledge or no contact being made?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ATG Credit, LLC
State: GA

Complaint narrative:
On XX/XX/2021 - I received an alert that a medical debt collections was added to my credit file ( XXXX ). This debt was paid with the original creditor and a letter was provided that states all debt information and the entire reporting will be removed from ALL of my credit files ( XXXX, XXXX and XXXX ). I am showing that it was removed from XXXX, but now it shows on on the others. This debt should have never been on my credit file as I never received any letters or calls and was told they had an old address that I have not lived at for several years. So, how was this even added to my credit file with no knowledge or no contact being made?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate in the name XXXX XXXX. Whereas I believe them to be a debt buyer, WATERFALL REVENUE GROUP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, correspondence, and financial and corporate records that pertain to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my credit report and I noticed there were inquiries listed that I did not recognize. Dates XX/XX/XXXX to XX/XX/XXXX. I contacted these creditors SYNCB/PAYPAL ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

who placed the mltiple inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your help and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my credit report and I noticed there were inquiries listed that I did not recognize. Dates XX/XX/XXXX to XX/XX/XXXX. I contacted these creditors SYNCB/PAYPAL ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX SYNCHRONY FINANCIAL ( Finance ) XX/XX/XXXX SYNCHRONY FINANCIAL ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

who placed the mltiple inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your help and assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 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: MS

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had XXXX days and XXXX dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I had fraud on my account in excess of {$5000.00} that was done when I lost my debit card. I even filed a police report with the XXXX police and submitted the police report number with my fraud claim. Only today I get an e-mail telling me my claim was denied for " Other '' reasons they determined the transactions were legitimate, without an explanation of how they came to this conclusion so because of that I was unable to tell them why they were wrong and was simply stone walled when I tried to talk to somebody after my claim got denied.

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 2021-12-01 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SI Mortgage Comapny Co.
State: FL

Complaint narrative:
Dear sir Madam, I XXXX XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, Florida XXXX, got in touch with a loan officer ( NMLS ID XXXX ) at Sitar Mortgage a national wide lender ( NMLS ID XXXX ) to process my home refinance sometime back in XX/XX/2021. The authorized loan officer promised an APR of 2.875 for a 30 year loan period and have locked my rate immediately on the same day. However there was no paper confirmation given to me, though i have repeatedly requested. Along with this, i have been also promised about lender credits which will cover most of my closing costs to which i have agreed with. Have attached email confirmation on the same. The lender did not provide any paper confirmation even after repeated requests and made me wait till XX/XX/XXXX for closing. During this time between XXXX and XXXX, I have provided all my documents and consent to the closing disclosures shared which i have attached. 

On the day of closing, the closing was rescheduled with no notice to me. From that day XX/XX/XXXX, i'm unable to contact the lender through phones/email. Meanwhile have reached out to CEO of Sistar mortgage XXXX XXXX, explaining my issue, to which I got a call from the Lender that they can not match the APR of 2.875 which they promised me from the beginning along with the lender credit. On XX/XX/XXXX, the new APR was changed to 3 %, to which I agreed to move forward with lender credits to cover my closing costs. Post that conversation, All of a sudden the lender has abandoned me with no proper responses to my questions since last one month. Have attached all the related emails on the same. 

Also, there is no paper confirmation on any of the Loan estimates, which is concerning and not a fair business practice for the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP
State: TX

Complaint narrative:
I moved from XXXX XXXX to XXXX XXXX XXXX on XX/XX/2021. Before I left XXXX I went into the XXXX XXXX to let them know I was moving to XXXX and opening a local bank account. I informed them that the account would remain open until I could get mine and my wife 's direct deposit changed along with my auto pays for many accounts. Once everything had been changed and cleared I transferred the remaining balance to my new bank in XXXX. I was never contacted by anyone at Key Bank after that until now I received a collection notice from XXXX XXXX XXXX stating I owe {$150.00}, {$50.00} per month for the last XXXX months. I spoke to Key bank home office today. They spoke to the collection agency who said they would have to contact the branch. When they contacted the branch, they said they could not refund the {$150.00} fees because there is no account to credit them to. They really don't need an account they just need to write them off because I did everything I needed to do to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
In XXXX, 2020, I purchased a computer at PC Richard using my PC Richard XXXX card. I had nothing but problems with the computer. I was frequently in touch with PC Richard and its agents about the trouble I was having. I tried to return the product to PC Richard and they refused to accept it or issue any credit/refund, etc. I ultimately took the computer to my own repair person who said it was irreparable and belonged in a trash heap. 

I contacted Synchrony Bank, the issuer of the PC Richard Credit card and filed a written dispute. They claim they never received the dispute. I filed another dispute and was told to wait for a response from the merchant. I never received a response from the merchant and was ultimately informed the dispute was NOT resolved in my favor. 


This is an unfair trade practice between a store and the bank who issues their credit cards. They are acting together to sell cheap products and defraud consumers. My dispute was not acted on in good faith.

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 2021-12-01 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: PA

Complaint narrative:
i have contacted the XXXX credit bureaus as well as XXXX XXXX XXXX challenging the factual, accurate, and compliant reporting of this account XXXX times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies

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 2021-12-01 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: PA

Complaint narrative:
i have contacted the XXXX credit bureaus as well as XXXX XXXX XXXX challenging the factual, accurate, and compliant reporting of this account XXXX times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies

Company response to consumer: Closed with explanation