vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are accounts that are showing up as collections that have been disputed multiple times to no avail. The credit reporting agencies continue to allow these false creditors to continue reporting inaccurate account information, erroneous dates, etc. 

As stated before, any accounts that are not listed in my name ( XXXX XXXX ) are to be removed per the drivers license and social security card provided for you during a previous complaint. This is simple. If it is NOT the name Ive provided and proven to you, then it should be removed, as I was a victim of identity theft in XX/XX/XXXX these accounts arent not being validated correctly and in some cases the credit reporting agency is giving creditors my name so that they change the name on their file. 

Remove it, the next step here is prosecution for fraud. If the ORIGINAL contract doesnt match then it is to be REMOVED. 

I know you are tired of receiving these complaints, because I am tired of writing 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 explanation
Consumer complaint received 2020-12-04 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: VA

Complaint narrative:
There are accounts that are showing up as collections that have been disputed multiple times to no avail. The credit reporting agencies continue to allow these false creditors to continue reporting inaccurate account information, erroneous dates, etc. 

As stated before, any accounts that are not listed in my name ( XXXX XXXX ) are to be removed per the drivers license and social security card provided for you during a previous complaint. This is simple. If it is NOT the name Ive provided and proven to you, then it should be removed, as I was a victim of identity theft in XXXX these accounts arent not being validated correctly and in some cases the credit reporting agency is giving creditors my name so that they change the name on their file. 

Remove it, the next step here is prosecution for fraud. If the ORIGINAL contract doesnt match then it is to be REMOVED. 

I know you are tired of receiving these complaints, because I am tired of writing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I opened a XXXX  XXXX  IRA account with Bank of America, N.A. I was assured that I would receive my disbursement on the first of every month unless that day fell on a holiday or on a weekend. 

XX/XX/2020 fell on a weekday, I did not receive my disbursement as was promised by the financial institution. When I called the IRA division of the bank, the B of A agent told me their manager informed THEM that disbursements had not been processed. However, I received no notification of any sort, and suspect that no other depositors with the same type of account ( at minimum - there may have been others with other types of accounts ) were told. 

No explanation was provided by the agent nor any assurance that this would not occur again in future. 

I received disbursement the next day but I don't know if that was true for the others effected by this very questionable, likely illegal, lapse on the part of the bank.

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 monetary relief
Consumer complaint received 2020-12-04 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: TX

Complaint narrative:
There are several inquiries that are on my report that i have NOT applied for. I have asked them to be removed but they have not submitted any proof back to me. Here they are : XXXX XX/XX/20 US SM Bus Admin XX/XX/20 XXXX Auto Finance XX/XX/20 XXXX XXXX XX/XX/20 & XX/XX/20 XXXX XXXX XX/XX/20 Also i Have accounts that are not showing on my XXXX that i wish to have on there. 
I have 1 Accounts with XXXX XXXX XXXX 1 account with XXXX XXXX XXXX XXXX 1 Account with 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 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a XXXX  XXXX card that has XXXX on it i believe is the limit for some reason it is not showing up on my XXXX XXXX. it always did before. I just want my age of credit and my age to not be effected. unsure as to why it is not showing maybe XXXX XXXX is fixing something. I did speak to XXXX XXXX they said everything was good. So what I am asking for is that my information on this card be resent to all credit company reporting agencies. This is as of XX/XX/2020

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 2020-12-04 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:
I have a capital one card that has XXXX on it i believe is the limit for some reason it is not showing up on my XXXX XXXX. it always did before. I just want my age of credit and my age to not be effected. unsure as to why it is not showing maybe XXXX XXXX is fixing something. I did speak to capital one they said everything was good. So what I am asking for is that my information on this card be resent to all credit company reporting agencies. This is as of XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-12-04 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
This is a complaint against or with Comenity Bank and their XXXX Visa Card. 
on XX/XX/XXXX I used my XXXX Visa Card ( Comenity Bank ) to pre-order the XXXX XXXX XXXX through the XXXX website. 

Subsequently, there continued to put near weekly pre-authorization charges on my card until the item was finally charged to my card/account on XX/XX/XXXX. 

The item was then delivered and received on XX/XX/XXXX. 
With this, one would expect that any remaining pre-authorization charges would be removed from the account. However, 8 weeks later, my credit card continues to show 4 pending pre-authorizations amounting to over {$2100.00}. 

During the timeframe of XX/XX/XXXX through XXXX ( today ) I have reached out to both Comenity bank multiple times ( both Tier 1 and Tier 2 customer service reps ) ; then I also reached out to XXXX customer service who did a technical ticket that verified this was an issue with Comenity Bank 's oversight of the account pre-authorizations. 

Thus, on XXXX I wrote a desperate email to the CEO of XXXX requesting help. Then on XXXX XXXX executive offices contacted me and we spent several hours on the phone with Comenity Bank customer service reps, ultimately ending up with Account Supervisor on XXXX. The account supervisor was unable to provide any assistance other than to submit a technical IT Ticket to review the account and order. 

This supervisor stated that they have issues or a new policy that pre-authorizations are being held for an additional 120 days after delivery for XXXX pre-order purchases -- except this purchase was for an XXXX XXXX XXXX. 

The account supervisor says we can not dispute the pre-authorizations because they are not " posted '' transactions. However, since the money is being held, it's as though I am being charged for the pre-authorizations, but I already received my purchase and item. 

Ultimately, the issue is that {$2100.00} of my available credit is being withheld by Comenity for an item and purchase that has already posted to the account and the item was successfully delivered from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
On XX/XX/XXXX, I applied to refinance my mortgage with Ally Home Loans. The statement on their website is " If you already have an Ally account, we will pay {$500.00} towards your closing ''. I have an account with Ally and wanted to take advantage of the lower interest rates in the market. I applied and the offer at the time was 2.9 % for a 30 year loan. Wanting to lower my payment further, I applied to purchase points to get a 2.375 % rate for the 30 year loan. In the initial disclosures, the point cost was roughly {$5800.00} with a {$500.00} discount ( the {$500.00} towards closing promised ). During the remainder of the month, we completed all of the paperwork for closing. After all of the information was settled, the loan amount was estimated to be {$390000.00}. Part of the closing costs was {$8200.00} fee for 2.103 points being purchased. I did research and came to an understanding that : 1 point = .25 % discount ( standard among lending institutions ) Purchasing of 1 point cost = 1 % of the loan ( standard among lending institutions ) According to our loan, the following would then apply : 2.9 % ( rate w/o points ) - 2.375 % ( rate with points ) = .525 % discount .525 % discount / .25 % ( discount per point ) = 2.1 points 2.1 points = 2.1 % of the {$390000.00} loan value = {$8200.00} points fee ( small difference due to rounding from 2.103 % ) I asked about the {$500.00} discount, which was supposed to be taken out of the points fee, and they responded that it was already included. They further responsed that they would have charged me {$8700.00} ( {$500.00} more than the standard among lending institutions ), but discounted that fee by {$500.00}. Basically, they are overcharging me {$500.00} for points and then discounting that overcharge to bring me back to the standard among lending institutions. I verified that XXXX  XXXX XXXX would have charged {$8200.00} ( 1 % of the loan per point OR {$390000.00} x 2.1 % = {$8200.00} ) per their website : XXXX  : XXXXXXXX Ally should only be charging me {$7700.00} ( {$8200.00} standard - {$500.00} discount ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I am XXXX   years of age and retired I chose to sell my home in XXXX Pa and move to the XXXX area, specifically XXXX Pa The condo in the complex that I was interested in purchasing only permitted a select few underwriters to sell mortgages. One was US Bank After weeks of deep dive questions, I was approved for a mortgage loan at 2.75 % for 30 years. 
I sold my house in XXXX and loaded the truck with all my possessions on XX/XX/XXXX I arrive in XXXX Pa on XX/XX/XXXX scheduled to settle on XX/XX/XXXX at XXXX XXXX  At XXXX on XX/XX/XXXX I received a call from US Bank that the mortgage was not approved because they had not received information form the condominium association in a timely manner. 
My truck with all my belongings was parked in front of the condo to be, I was homeless My realtor prevailed upon the seller to let me move in and rent and the rep from US Bank said the she would cover the cost of the first month 's rent, which remains in question I have just today received notice from XXXX XXXX  that they will underwrite the mortgage but at a lesser time of 15 years and a higher rate of 3.25 % then an ARM kicks in This will cost me an extra {$200.00} per month over the original note This was clearly bait and switch banking and it should not be allowed to occur

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 monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MN

Complaint narrative:
Spoke with representative at XXXX County XXXX XXXX in XX/XX/2020. Was told that when my back XXXX XXXXt ( including arrears ) is paid in full it will be removed from all three bureaus ( in approximately 30 days ). 

I've completed what was requested of me and I am completely up to date yet the account is STILL reporting negatively on my account after I WAS TOLD that it would be removed within approximately 30 days. 

The current reports are completely incorrect and must be corrected.

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 2020-12-04 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: MN

Complaint narrative:
Spoke with representative at XXXX County XXXX XXXX in XX/XX/2020. Was told that when my back XXXX XXXX ( including arrears ) is paid in full it will be removed from all three bureaus ( in approximately 30 days ). 

I've completed what was requested of me and I am completely up to date yet the account is STILL reporting negatively on my account after I WAS TOLD that it would be removed within approximately 30 days. 

The current reports are completely incorrect and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent disputes to the credit bureaus regarding inaccurate accounts reporting on my credit reports. It is XXXX and I have not received any results from the investigation. Legally the credit bureaus have 30 days to complete an investigation. It has been over 90 days and nothing has been done. These accounts need to be deleted from my credit reports immediately or I will file litigation due to the stress this has caused me. My infomation was impacted by the XXXX data breach and could have gotten in the hands of the wrong person. XX/XX/2020 I Sent an additional letter to the credit bureaus and they have ignored that one as well.

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 2020-12-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Theres an account reported by XXXX XXXX XXXX. I have been going back and forth with this agency. But I wont even get into that right now. I went through the automated system and answered a series of questions verifying my info. The automated system Then give me information about dispute. I wanted to speak to a live person. So I selected an option to speak to a live rep. I was once again asked a series of question which I answered and was locked out of my account. I looked online and saw that other consumers have had a hard time reach anyone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
A company called, NAVIENT, calls our residence 3-to-5 times everyday. Twice it has been explained to them that there is no one in our household who took out ANY student loans, but the calls just keep coming in, and the call log on our phone is filled with their calls, but no message is ever left by them. Here is just a small list of the recent calls we have received from them over a period of a few days : From Number XXXX Date : Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: TX

Complaint narrative:
On XX/XX/2020 I sent disputes to the credit bureaus regarding inaccurate accounts reporting on my credit reports. It is XXXX and I have not received any results from the investigation. Legally the credit bureaus have 30 days to complete an investigation. It has been over 90 days and nothing has been done. These accounts need to be deleted from my credit reports immediately or I will file litigation due to the stress this has caused me. My infomation was impacted by the XXXX data breach and could have gotten in the hands of the wrong person. XX/XX/2020 I Sent an additional letter to the credit bureaus and they have ignored that one as well.

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 2020-12-04 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: TX

Complaint narrative:
On XX/XX/2020 I sent disputes to the credit bureaus regarding inaccurate accounts reporting on my credit reports. It is XXXX and I have not received any results from the investigation. Legally the credit bureaus have 30 days to complete an investigation. It has been over 90 days and nothing has been done. These accounts need to be deleted from my credit reports immediately or I will file litigation due to the stress this has caused me. My infomation was impacted by the Equifax data breach and could have gotten in the hands of the wrong person. XX/XX/2020 I Sent an additional letter to the credit bureaus and they have ignored that one as well.

Company response to consumer: Closed with explanation