vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I recently notified XXXX that I am a victim of identity theft. XXXX responded that they verified fraudulent information. I would like an explanation as to how FRAUDULENT information can be verified as accurate. Once again I state that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ability Recovery Services reported to XXXX XXXX ( " CK '' ) on XX/XX/2021, I realized the info from an email alert from XXXX. Ability also reports that I opened an account on XX/XX/2021. This info is false. I never opened an account with this company. There is no contact info on XXXX XXXX  website to request validation. This inquiry was not on my credit report last month.

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 2021-07-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
RAN CREDIT WITHOUT MY PERMISSION VICITIM OF IDENTY THEFT

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 2021-07-10 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
RAN CREDIT WITHOUT MY PERMISSION VICITIM OF IDENTY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Landed Home Loans LLC
State: CA

Complaint narrative:
I have been investigating purchasing a new place in XXXX XXXX ( having moved here in the last year ). A friend suggested working with Landed.com. They say they want to help essential workers such as teachers, medical professionals, and first responders to buy houses in higher end neighborhoods. When I started talking with them red flags started going up for me. The regular mortgage seems straightforward but the down payment assistance seems to be the idea that is TERRIBLE for the home owner. They said they will provide up to 10 % of the down payment up to {$80000.00}. Once you purchase your new house there are no payments needed until you refinance or sell ( red flag # 1 ). When you do refinance or sell you owe them the original loan amount PLUS 25 % of any increase ( or decrease - red flag # 2 & # 3 ) in value of the property. Red flag # 2 on this one was the decrease idea. They have to approve of the area in which you buy therefore they can make sure that you buy in an area where property values are almost guaranteed to go up quickly. Red flag # XXXX was the percentage. I have already purchased a property in XXXX and seen the results of simply living my condo and making sure the property is maintained. I purchased it at {$150000.00}. 20 years later I'm looking to sell it at somewhere around {$440000.00}. If I had used them to provide 10 % of a down payment at that time they would have provided {$15000.00}. The increase in value would have been about {$300000.00} and 25 % of {$300000.00}. So I would have had to pay them {$75000.00} on a {$15000.00} loan. 

When I queried Landed.com about how this is a good deal they responded by emphasizing what the home owner keeps rather than how much money they walk away with. Here is a excerpt from an email they sent me : " For example, if a homebuyer bought an {$800000.00} home, and Landed contributed {$80000.00}, the home 's value at the time of ending the partnership would need to be {>= $1,000,000}. In that case, the homebuyer would buy out the investment by paying the XXXX fund {$400000.00} ( the original {$80000.00} + 25 % of the {>= $1,000,000} change in value ), but the homebuyer would keep their original {$80000.00} + the other 75 % of the {>= $1,000,000} change in value, so in this case, the homebuyer would walk away with {>= $1,000,000}, plus the equity built up by paying down the mortgage over time. '' This struck me as that classic grocery store receipt that says " You saved {$5.00}. '' When the reality is you spent {$55.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
RAN MY CREDIT WITHOUT MY PERMISSION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
RAN MY CREDIT WITHOUT MY PERMISSION

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 2021-07-10 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
RAN CREDIT WITHOUT PERMISSION

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 2021-07-10 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: TX

Complaint narrative:
My car was broken into and the thief took all of my wallet with all my identification information. Now trying to open accounts in my name. I did not request anything from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC
State: IN

Complaint narrative:
I first received a call from another number associated with " capital link management '' on XX/XX/2021 it was XXXX XXXX XXXX. No message was left and i only found out who it supposedly belonged to via an intensive internet search. A compliant was filed with the XXXX regarding this and this company agreed to only contact me via mail as i requested on XX/XX/2021. However, this same company called at XXXX using a different number XXXX XXXX XXXX. This time an actual message was left with no identifying information as to who they were nor that they were collecting a debt. However, they did give an ultimatum that if i didnt call back by close of business that day, i would be marked as non compliant. Not only was this second call a direct violation of the agreement with the XXXX. The tactic is in direct violation of many fdcpa laws.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: NJ

Complaint narrative:
I am a victim of identity theft .There are inquires showing on my credit report that I did not authorize. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX 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 2021-07-10 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:
RAN CREDIT WITHOUT PERMISSION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
RAN CREDIT WITHOUT PERMISSION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: TX

Complaint narrative:
RAN CREDIT WITHOUT PERMISSION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My car was broken into and the thief took all of my wallet with all my identification information. Now trying to open accounts in my name. I did not request anything from these companies.

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 2021-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BOK FINANCIAL CORP
State: IA

Complaint narrative:
THIS MORTGAGE COMPANY STOPPED MY AUTOMATIC PAYMENTS. NOW IM SHOWING AS DELIQUENT AND MY CREDIT SCORED DROPPED XXXX POINTS. WHAT THE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
RAN CREDIT WITHOUT PERMISSION

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 2021-07-10 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
RAN CREDIT WITHOUT PERMISSION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/2021 SPS ( Select Portfolio Servicing ) reneged on XX/XX/2021 letter acknowledging having received a completed application asking if single family house xyz had rental income. I had already emailed and stated inside application itself dated XX/XX/2021 Currently, income from xyz rooms is {$0.00}. 

On XX/XX/2021 I angrily repeated to SPS no change in income in a 45 min phone call where SPS relationship manager xyz asks if I wanted to pay XXXX mortgage payment at no fee and tells me decision moved from XX/XX/2021 to XX/XX/2021. 

On XX/XX/2021 SPS acknowledges application complete but resets date from XX/XX/XXXX to XX/XX/2021 delaying SPS decision by over 2 weeks. Processing time is 30 days. 
This results in decision delayed from XX/XX/2021 to XX/XX/2021 hoping the xyz family will in the future be able to pay past mortgage payments and SPS refuses to help. 
SPS commits fraud employing tactics to confuse, delay and not help by stalling decision to help or not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was charged on my credit card as a fraudulent charge. I have submitted documents to CapitalOne and they refuse to reverse the charge and will not charge the merchant back. I refuse to pay the charge although I have submitted proper documentation to them and they are threatening to pursue collections and put this against my impeccable credit if I dont pay the charge. I have supporting documentation on hard copy which if needed I can mail to you upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect balance owed and date paid for this account ( XXXX XXXX ). In fact, per their correspondence, my debt is not owed by XXXX  XXXX XXXX and was satisfied internally. The information is being reported by your company and the bureaus are different, this means the account has not been properly verified. Most recently, this company reported that my last payment activity was in XX/XX/2021 which is incorrect. They are now continually re-aging my account which is against the FCRA.

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 2021-07-10 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: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named Banco Santander Puerto Rico. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments.

Banco Santander Puerto Rico was acquired by Firstbank Puerto Rico on XX/XX/XXXX. During and after the acquisition I still having problems that Firstbank Puerto Rico continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month FirstBank Puerto Rico reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.

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 2021-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
My mother passed away XX/XX/2021. My mom had three accounts one of which I was the beneficiary on. The branch manager stated I was not on any of the accounts and denied access even when a death certificate was provided as we still needed to insure my moms bills were paid. I had gone in, called and still told the accounts were locked. For 5 weeks this continued until I reached a person in a higher position and had the fund released immediately. The way I was treated was unprofessional. We were lied to and Denied Access to the account I was beneficiary of. The branch manage deliberately and malicious in manner withheld access to an account that was mine and lied and stated the accounts were locked and were denied access. It is a form of theft in my opinion. Our family has been in a great amount of distress and grief over the unexpected death of my mother. This action taken by the branch manager To deny and to blatantly lie to my husband and I is beyond lie our understanding. Our family attorney is aware of the concern. We will be considering options from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: FL

Complaint narrative:
I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named XXXX XXXX XXXX XXXX. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments. 
XXXX XXXX XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. During and after the acquisition I still having problems that XXXX XXXX XXXX continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month XXXX XXXX XXXX reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: FL

Complaint narrative:
I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named XXXX XXXX XXXX XXXX. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments. 
XXXX XXXX XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. During and after the acquisition I still having problems that XXXX XXXX XXXX continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month XXXX XXXX XXXX reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.

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 2021-07-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named XXXX XXXX XXXX XXXX. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments. 
XXXX XXXX XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. During and after the acquisition I still having problems that XXXX XXXX XXXX continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month XXXX XXXX XXXX reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.

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