vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX  XXXX  and Chex System are reporting some fraudulent account on my credit file/report. Here are the list of fraudulent accounts : XXXX XXXX  : XXXX XXXX XXXX OH-WV : XXXX XXXX  XXXX  XXXX 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 explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: TX

Complaint narrative:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Possible Financial Inc
State: TX

Complaint narrative:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Hello, In late XX/XX/2021 our credit card ( joint account with my husband ) was closed in error. Please see the attached letter we received from BECU. We were told via telephone by a BECU representative this was due to an unknown error on their part. We were assured that this error would not cause any damage to our credit and would be resolved immediately. Unfortunately, this is not the case. Our credit scores dropped significantly by this costly mistake and even though we have disputed this account closure with the credit reporting agencies it has not helped. We'd like to know what BECU can do to rectify this situation. I appreciate your assistance in this matter and look forward to hearing from you soon. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Essential Lending Inc
State: TX

Complaint narrative:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I was given these fraudulent accounts by my cryptocurrency exchange app to deposit my transfers. Once all these transactions completed, I try to withdraw from my account it was frozen. Now the app is disable. I have contacted XXXX XXXX international police to file a report against these fraudster 's account. They are using these account for money luring. Please advise HSBC regarding these incidents and demand for retrieve or re-call on my behalf that I have made several attempt through XXXX. 
1. XX/XX/2021 XXXX XXXX and XXXX XXXX  XXXX limited {$1000.00} UDS 2. XX/XX/2021 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX $ XXXX 3. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) {$100000.00} UDS 4. XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX {$60000.00} UDS 5. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$20000.00} UDS 6. XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX {$50000.00} UDS 7. XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX {$20000.00} UDS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal is fraudulently locking me out of my own account. When I tried to log in, the bogus phone verification page pops up and it does not work at all. Seems to me, they do this in order to lock people out of their account so hopefully they can keep the money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
You have included information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX has agreed to a settlement worth {>= $1,000,000} benefiting consumers who received notices from XXXX that failed to comply with state requirements. 

Two Classes have been established : Nationwide Class : Anyone who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 
Missouri Class : Anyone who obtained a Missouri Certificate of Title from a motor vehicle identifying XXXX XXXX  as the lienholder as a result of entering into a Covered Contract, or who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner with a Missouri address in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 

XXXX also has agreed to no longer seek collection on a portion of any deficiency balance reflected as outstanding in XXXX records after XXXX repossessed and sold the property. 

The value of this benefit, called the Gross Deficiency Waiver Amount, will be at least {$700.00} XXXX. The amount of the waiver will vary for each Class Member, but it will be the amount of their deficiency balance or {$1300.00}, whichever is lower. 


ALERRRRRTTTTTTTTT!!!!!!! 
In addition, XXXX XXXX has agreed to stop occurring finance and late charges on Class Members deficiency balances as of the settlements effective date, and will request that XXXX, XXXX, and TransUnion delete trade-line information on Class Members credit reports that is related to their XXXX  account that is subject to this settlement. 

FOR MORE INFORMATION VISIT THE WEBSITES : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-09-24 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial Inc. has agreed to a settlement worth {>= $1,000,000} benefiting consumers who received notices from Ally that failed to comply with state requirements. 

Two Classes have been established : Nationwide Class : Anyone who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 
Missouri Class : Anyone who obtained a Missouri Certificate of Title from a motor vehicle identifying Ally Financial as the lienholder as a result of entering into a Covered Contract, or who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner with a Missouri address in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 

Ally also has agreed to no longer seek collection on a portion of any deficiency balance reflected as outstanding in Allys records after Ally repossessed and sold the property. 

The value of this benefit, called the Gross Deficiency Waiver Amount, will be at least {$700.00} XXXX. The amount of the waiver will vary for each Class Member, but it will be the amount of their deficiency balance or {$1300.00}, whichever is lower. 


ALERRRRRTTTTTTTTT!!!!!!! 
In addition, Ally Financial has agreed to stop occurring finance and late charges on Class Members deficiency balances as of the settlements effective date, and will request that XXXX, XXXX, and XXXX delete trade-line information on Class Members credit reports that is related to their Ally account that is subject to this settlement. 

FOR MORE INFORMATION VISIT THE WEBSITES : http : //www.allynoticeclass.com and XXXX XXXX XXXXXXXX

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 2021-09-24 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: HI

Complaint narrative:
I am using Experian On Line and have been having great difficulty in getting my complaints to Experian. There is no email address to contact Experian directly. They have continued to be unresponsive to my issues. 1 ) They have listed a delinquent account ( XXXX ) as a Collections account by court order but that is not the fact. This account was done as a negotiated settlement with XXXX XXXX XXXX before any court order was made. It should be list as a settlement in process. 2 ) Their so-called " Boost '' program lists only one self-reported account but I have consistently paid for XXXX XXXX XXXX and for XXXX XXXX that qualify as a Boost account. 3 ) Two accounts were list as delinquent for just thirty days but I have said that I mailed in my payment but mail from XXXX and XXXX, Hawaii, have gone missing/lost on many occasions. No response or correction was ever made. I am so frustrated with Experian irresponsible assemblage of my credit history. I am a unique customer that deserves to be listened too and assisted in a fair and objective way. Thank you for your assistance.

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 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir/Madame it may concern : I have had Cash Call Mortgage is my currently mortgage on my primary home. My credits and all documents disclosed my assets in detail had been approved in excellent status that I qualify for the refinance at the lower rate and cash out. 

On XX/XX/XXXX, I told the loan officer to lock the rate at 1.75 %, Point Fee is 1.112 %, with NO Closing Cost ( It meant lender credit and no charge me for 3rd party ). He told me he locked the rate and transferred my document to the underwriter approve. 
I supposed that we will close the loan in XXXX. However, in XXXX the loan processing told me that she waited for the loan officer locks my rate. I called loan officer and he told me he forgot to lock the rate and he would wait for the rate goes lower like the date XX/XX/XXXX, he would lock it for me. However, I did not hear he called me. 
On XXXX XXXX, I called him and said the Cash Call mortgage was lower the rate and APR rate is the same as on XX/XX/XXXX. He should lock the rate for me. 
However, he sent me the rate lock estimate the same but it charges me FOR CLOSING COST AND THE DATE LOCK RATE IS XX/XX/2021 which I had not been informed until I called him to lock the rate on XX/XX/2021. 

I complained about the closing cost, the loan officer asked me to call his supervisor XXXX. I called Mr. XXXX on XX/XX/XXXX. He agreed with me that my loan will be close at the end of XXXX and will be No Closing Cost like the rate I wanted to lock on XX/XX/XXXX. 

On XX/XX/XXXX However, when the loan processing asked me to sign e-document dated XX/XX/2021, the Closing Cost is still there, it has not been corrected as Mr. XXXX told me. 

On XX/XX/XXXX, I have tried to call and Fax what is wrong to Mr. XXXX, however, Mr. XXXX and loan officer do not respond to me by my phone call, email or fax. They ignored me and even do not correct the closing cost on my Closing Disclosure. 

Closing Disclosure the Disbursement Date XX/XX/2021. 

Cash Call Mortgage should credit to me the closing cost of {$1.00}, XXXX as the lender credit to me such agreement on the Loan Estimate dated XX/XX/2021. And it had been confirm with Mr. XXXXsupervisor to me on XX/XX/2021. 

I appreciate your help me this matter as soon as possible before the loan expires. 
Very respectfully. 

PS : The closing cost is XXXX should be the lender credit to me as the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
They told me they had a judgement right out of the height of the pandemic. Then some guy stalked me and followed me down the street in a vehicle and threw the papers through my vehicle window saying are you so and so? Acted like he was a cop. Before serving me papers they hit my bank account and I told them to return the money they took. They returned all of it except XXXX dollars of it to either apply it to an account to renew statue of limitations of the doctors bill. Now they wiped out my bank account 2 days ago. I asked for an itemized bill to see what the debt was for but they failed to provide me with one. I went to the courthouse to get more information of the bills collecting. They only show me date of bill which is the bill that Im questioning for XXXX XXXX XXXX for amount XXXX from XXXX XXXX, XXXX? Another from XXXX XXXX XXXX for XXXX from XX/XX/XXXX. Both bills out of statue of limitations. I did not provide them permission to apply any amount of money towards either one of those accounts to renew statue of limitations and plus still dont know what they are for because they cant provide me with an itemized bill of what it was for. I sent them a letter in response to papers being served basically saying they could not provide me with enough information so Im not paying the bills. I have proof of all documents and when I sent them a check to dispute the bill they sent me a letter back saying that I was supposed to send it to the courts. When I asked them what the address of the courts was they said, I dont know its online XXXX it or whatever and hung up the phone. Check CBS collections recorded audio. I did XXXX it and still couldnt find the address so they hit my account. Because of Covid-19 the courthouse has been closed and I also cant seem to get a hold of a lawyer or public defender to respond so yeah this is malicious as absolute XXXX. Ive kept all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: NY

Complaint narrative:
Hello, I am desperate for help as I have XXXX XXXX. I work for XXXX XXXX and was on their resources HR page, looking at random benefits. One mentioned was XXXX XXXX, which is some site that offers a lot of random things like insurance, etc. I went to make an account, which required my employee ID to verify myself, as well as a driver 's license and my SSN. 
At no point during the account setup did it even hint at a credit pull. I've included screenshots of the account setup page for people from XXXX XXXX, and it does not mention anything about applying for -credit-. 
I wasn't applying for anything. I was simply making an account. The account setup had a " what we do with this information '' tab and it makes no mention of a credit pull. There was no warning! 
I just checked Experian and I indeed just got a hard inquiry. I've been working my XXXX off to keep my credit score high, as I want to mortgage shop in a few months. I haven't had a hard inquiry since XXXX. 
I am begging you to help me! There was no warning and I gave no consent to have this happen!

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 2021-09-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing with transunion about a dismissed bankruptcy chapter XXXX that is showing up on my credit report i never filed this bk it doesnt belong to me someone else filed under my name as Ive been a victim of identity theft. I contacted XXXX XXXX and no bankruptcy is showing on their system I also contacted the Federal Bankruptcy and they stated they Never report any bankruptcy case to any credit reporting agency. I sent all documents to Transunion and said they have verified the bankruptcy with the courthouse which that is not true cause the Bankruptcy courthouse doesnt report to any credit reporting. Transunion is lying and is in violation of 15 USC 1611 and 16 CFR.

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 2021-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AP

Complaint narrative:
My student loans state that I received a loan amount in the month that I graduated college XX/XX/2012 from XXXX  XXXX  XXXX. I did not get a check for that month as I was already participating in my graduation process. I have talked with the lender/and or school about the issues and was told that I did receive the check. I feel like there is fraud happening somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have XXXX ally financial accounts XXXX of which are supposed to be paid in full they fixed XXXX and put paid in settlements the other XXXX still says we owe {$250.00} which was paid almost a year ago when we traded the car in for another vehicle the other one is {$2000.00} and something and that has been through XXXX different collection agencies which was also paid in a settlement and still being reported on my credit report I have sent in multiple paperwork proving that they've been paid in full I have called ally financial multiple times multiple departments and I can not get anywhere on this

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 2021-09-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation