vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
A hard inquiry credit check was performed through Experian as requested by XXXX XXXX XXXX on XX/XX/2021. This was not authorized by me. My identity monitoring service notified me of this activity, therefore I believe I may be the victim of identity fraud. 
I tried contacting XXXX XXXX XXXX directly, but this is not possible without having an account with them. I have alerted all 3 credit bureaus and am currently completing remediation steps.

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 2021-07-23 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: NC

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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 2021-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Unauthorized use of Consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: RateGenius Loan Services Inc
State: NC

Complaint narrative:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Coastal Credit, LLC
State: NC

Complaint narrative:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-23 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was notified by my bank XXXX XXXX that an account was opened with my information at Bank of America on XX/XX/21. I did not open this account.

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 2021-07-23 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

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 2021-07-23 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: Regional Management Corporation
State: NC

Complaint narrative:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: CA

Complaint narrative:
In XXXX I used my Capital One credit card to pay for a travel trip through XXXX XXXX XXXX XXXX XXXX. I paid for the trip in full on XX/XX/XXXX and it was {$3000.00}. The company filed bankruptcy shortly thereafter and I was notified on XX/XX/XXXX that my trip would not be rescheduled. I took steps to get reimbursed through Capital One but they have told me now, twice, that the time limit has expired. I have already sent in a letter with all the requested documents requesting my case be reopened and I be reimbursed, but they are still telling me that I am out of time and they will not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
AmeriHome Mortgage Company began servicing my loan XX/XX/XXXX, and for the most part have handled it OK. All of that changed starting XX/XX/XXXX as I sought to refinance my loan with a company called Total Quality Lending ( TQL ) XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX XXXX CA XXXX 

Although I did sign a disclosure that allowed TQL to order documents for the express purpose of managing my refi loan, I expected they would act diligently, with proper judgement at no cost to me, unless permitted otherwise. Low and behold, I was shocked to learn that AmeriHome had issued payoff statements to TQL 9 times over a 5 month period -- yes, I said 9! I later learned that AmeriHome charged me {$60.00} for each payoff statement, the maximum they are apparently allowed under Nevada law. At no time did AmeriHome consider that their customer -- me, would be highly concerned about these charges. Further, they never contacted me to let me know what was going on. I could have tolerated XXXX or XXXX charges, but XXXX is an egregious abuse of the fiduciary relationship that I entrusted them with. Sure, TQL could also have informed me of the continued charges racking up on my account, but their agent woefully didn't know any better, or was outright negligent! Never did he mention any fees for Payoff statements. Despite my efforts, TQL would not accept any responsibility for the charges totalling {$540.00} ( {$60.00} x 9 ), stating that AmeriHome was the entity that assessed me for each payoff statement and I would have to work with them for restitution. I wrote several letters to AmeriHome which I've uploaded to your site, requesting that at least 7 of the charges be waived and was promptly denied. Please safeguard account numbers and other personal info contained in them, as you've indicated in your directions. I also spoke to at least 10 different Customer Service reps and got the same response. Bottomline -- AmeriHome 's reckless actions, while complicit with TQL, caused me financial harm and emotional stress through this ordeal. I am asking CFPB to intercede on my behalf. Thank you in advance for your support! 
-- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: AR

Complaint narrative:
On XXXX XXXX Complaint XXXX I submitted the information below. 
Some has used my personal identification information to open an account and applied for others that I was not aware of until recently. I have never heard of this company and have not completed any application to purchase anything from them or received anything from them. I am a victim of identity theft. There is no third party or reason to request any type of authorization. 
The company responded on XX/XX/XXXX that they need authorization to review my dispute which is obviously a computer generated response. SO I am sending this back again today to have you remove this FRAUD information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
New car purchased at XXXX XXXX of XXXX ( Maryland ) on XX/XX/2021 with a combination of trade-in and new auto loan. 

Loan was granted ( also by Capital One ) on XX/XX/2021 but dealer or bank will not process payoff of loan linked to trade-in. 

Trade-in value for the car was over {$14000.00} while balance of loan for this trade-in was less then {$2000.00}. 

XXXX has caused additional interest charges and also need to make an extra car payment, and unnecessary and customer-unfriendly confusion to keep track of refunding of this excess payment ( I am not sure whether from Capital One or the dealer, or if dealer will keep the excess. ) Only after repeated calls did I get a call back from the finance manager, who then gave me condescending answers without answering why they would have received a 10-day payoff yet the loan was not paid off in 10 days. ( Today is XX/XX/2021 - 14 days after trade-in ). 

Dealer prominently advertises they offer auto loan through your bank. Please engage with dealer directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
National credit systems threatened me with legal action, placing eviction on my credit report, repeatedly call my cell phone without my consent, misrepresentation, have not shown documentation etc. have effected my personal life and finances misrepresenting false claims on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: CA

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To whom it may concern : Subject : Credit Card Decline Letter XXXX XXXX XXXX XXXX ) I am writing to dispute the following information that XXXX  supplied to Comenity Capital Bank. 

I XXXX XXXX applied for XXXX XXXX XXXX/Comenity Capital Bank on XX/XX/2021, as you view the attached letter dated XX/XX/2021 Comenity Capital Bank was unable to continue processing my application until I contact them directly to verify information. 

Upon receiving the letter, I contacted Comenity Capital Bank on XX/XX/2021, to the best of my recollection, I was asked the following question : full name, date of birth date, social security number, home address which I provided via phone. 

On that note I received a second letter from Comenity Capital Bank dated XX/XX/2021, which states Comenity Capital Bank was unable to approve application for XXXX XXXX XXXX reason : Comenity Capital Bank was unable to verify my identity using ( XXXX  XXXX. 

On XX/XX/2021, I filed a dispute with XXXX online asking for removal of the hard inquiry XXXX XXXX XXXX Comenity Capital Bank due to inaccurate information being reported via XXXX  to Comenity Capital Bank XXXX 

Completed dispute ( XXXX  XXXX Confirmation Number : ( XXXX ). According to XXXX  I would have to contact Comenity Capital Bank to remove the hard inquiry. 

After contacting Comenity Capital Bank on XX/XX/2021, to remove the hard inquiry representative stated I failed the security question ( s ) on XX/XX/2021, to the best of my recollection I provided my full name, date of birth, social security number, and home address. 

Apparently, XXXX  has inaccurate information on my credit report which serves as the basis for obtaining credit card decision, so it is conceivable that inaccurate data led to me being mistakenly declined and I truly believe human error occurred on behalf of Comenity Capital Bank while verifying my identifying via phone on XX/XX/2021. 


Sincerely XXXX XXXX Attached : *Verify Identity Letter XXXX Comenity Capital Bank ) *Verify Information Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I called the company directly and the calls were recorded requesting a deferment extension. Originally the extension was to end XX/XX/XXXX. I contacted the company prior to that time and the extension was sent to extend until XX/XX/XXXX. 

The representative was recorded on my end as well and never processed the extension in time even though they sent me a letter confirming this was done. This resulted in a late payment being reported by Bank of America, my score dropping and then they closed the card because now they claim I am no longer eligible due to the score drop. 

This is highly unethical and bad business. I've called and told it would be resolved yet it hasn't. I just to get my credit report corrected and showing properly without the late payment showing so I can move on with my home buying 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 2021-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I pulled my credit report on annual credit report.com I sent Disputing letter in to I c systems, XXXX and XXXX stating that this information reporting is inaccurate ( dollar amount and dates ) and must be removed from my credit report which is a violation of FCRA. The Account number on XXXX XXXX dollar amount XXXX and XXXX XXXX dollar amount 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 2021-07-23 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/XXXX - Purchased a XXXX XXXX XXXX Autograph Authentic Star # XXXX Card from merchant for {$17000.00} using a XXXX credit card via XXXX. XX/XX/XXXX - Card was received and I had suspicions that the item was fake. I attempted to contact the merchant many times and he was non-responsive via email, phone, XXXX and XXXX XX/XX/XXXX - Started a dispute with XXXX. I called PayPal as well and they said I had to work through my dispute with XXXX. Paypal flat ourt refused to assist with any buyer protection and there was no option on there website to do so. XXXX to XX/XX/XXXX - Spoke to over a dozen XXXX reps, spent over 6 hours on the phone, made 30+ phone calls and uploaded 20 + documents. XXXX has provided conflicting advice many times, including whether I should return the card or not. Ultimately, they told me not to return the card and I still have the fake item in my possession. They told me to get an independent authenticator to verify the item was fake and send it with my dispute. I paid over {$100.00} to get this done in XX/XX/XXXX and the authenticator confirmed 100 % the item was fake. I did every single thing that XXXX told me to do and was denied at every turn. XX/XX/XXXX, I filed a Police Report with the XXXX, Florida Police Department. On XX/XX/XXXX, XXXX from XXXX called for the third time to again tell me my dispute was declined. They misstated that the item was purchased on XXXX. This was a direct purchase from a merchant, not purchased on XXXX. After this entire XXXX month experience, I can only conclude XXXX is the most fraudulent, dishonest and incompetent credit card provided in the United States. PayPal provided no help at all and denied me every single time I called. PayPal wouldn't even let me file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Conn's, Inc.
State: TX

Complaint narrative:
XXXX  received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove Conns Appliances ( account opened fraudulent in my credentials ), XXXX XXXX XXXX, XXXX XXXX XXXX all FRAUD accounts. I have been battling with the creditor as well as XXXX  and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX  keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I bought a vehicle in late XX/XX/2017. At that time it was with XXXX XXXX. XXXX XXXX sold my account to Regional Acceptance in XX/XX/2017. The balance transferred was more than what I owed at time it was transferred. On top of that Regional Acceptance s not calculating my loan correctly. 
I have begged Regional Acceptance for copies of my past statements since the transfer and they either say they will send them ( they never arrive ) or when I call to ask again they hang up on me. I only owe approximately XXXX left on my loan and between these two companies miscalculations they are trying to charge me {$3600.00}. I need help.l please.

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