vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a loan with Fifth Third bank beginning XX/XX/XXXX and I bought the home for {$89000.00}. The home was worth more than that so I had instant equity in the home but I still had to pay PMI. I was told that after I pay it down that I could get my PMI taken off and could just call in, but then I was told that I had to write a letter and I did while in the office with a loan officer at the XXXX XXXX location in XXXX, NC. I later got a letter that is need to pay it down to 70 % LTV or I could get it appraised but I stated that it was appraised by XXXX County and when I first moved in. I also faxed another letter when I paid down more but still got the same response. I no longer live there and have and sold the townhome in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found inaccurate items that did not belong to me. Creditor : XXXX XXXX, Account # : XXXX, Creditor : XXXX XXXX Account # XXXX. Creditor : XXXX XXXX Acct # : XXXX. I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debts and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested, then I would like to have these items permanently taken off of my credit report immediately ( per my Rights under the Fair Reporting Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a credit card in the mail on XX/XX/2021 but I did not apply for a credit card. The mail was addressed under my maiden name. The credit card is through US Bank reliacard. I believe my identity has been stolen. I tried to call the 800 number on the card but you can not get a live person to help. It's an automated system. Please help as I do not know what to do next.

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 2021-01-11 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: The Bureaus, Inc.
State: IL

Complaint narrative:
On XX/XX/2019, The Bureaus added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, The Bureaus has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello Back in XX/XX/XXXX Synchrony bank charged my ASHLEY Furniture account {$2000.00} in interest and fees after I calling customer service to report financial difficulties and being out of work due to Covid. In XXXX I spoke to a customer service rep who insured me that no interest would be applied to the account and that Synchrony bank will extend the promotional plan that Im on until XXXX. That never happened, XXXX XXXX interest charges in the amount of {$2000.00} was applied to my 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 2021-01-11 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: CORELOGIC INC
State: KY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019 CREDCO add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
In XXXX of 2020 my Bank of America account was closed due to someone trying to commit fraud in my bank account. Due to that I can no longer do anything with my credit or open another bank account which I find unfair due to me XXXX XXXX not knowing someone was trying to hack my 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 2021-01-11 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: NJ

Complaint narrative:
Equifax refuses to consider hard inquiries by 4 mortgage companies in a 24 hour period as one hard inquiry and my rating with them is poor for hard inquiries despite the fact that I read them : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy one home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: AL

Complaint narrative:
Six months ago I began disputing a XXXX XXXX XXXX  credit card that appears inaccurately on my Experian credit report. I sent 2 disputes months apart asking for the inaccurate account to be removed and it is still on my credit file. Im not getting any feedback from Experian and have been monitoring my file closely.

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 2021-01-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an auto loan opened under my brother 's name that is appearing on my report. Despite numerous attempts to amend this, XXXX  XXXX XXXX has not fixed the issue and continues to report it to my 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 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I've sent out a certified letter disputing items in which I felt I was a victim of identity theft. I've listed all items that were not mined. As of XX/XX/XXXX, I have not received any correspondence regarding my request. I haven't gotten anything stating they were opening an investigation. I believe the credit reporting agencies have violated my FCRA and I need some help.

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 2021-01-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I've sent out a certified letter disputing items in which I felt I was a victim of identity theft. I've listed all items that were not mined. As of XX/XX/XXXX, I have not received any correspondence regarding my request. I haven't gotten anything stating they were opening an investigation. I believe the credit reporting agencies have violated my FCRA and I need some help.

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 2021-01-11 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, WF CRD SVC add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-11 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank Gap is reporting someone else 's account on my credit. 
This is a fraudulent account that I am not affiliated with, and I am requesting that it be removed from my credit ASAP

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 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
I spoke to NCBI management on XX/XX/2021. Representative named XXXX transferred me to a gentlemen named XXXX. They stated " We are not required to provide proof of Debt ''. " There is no such thing as pay to delete or settle to delete '' " We are not required to notify you '' I have paid them {$550.00}, but after being educated I asked to validate the Debt. They refused and said it is my job to verify the debt, not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found inaccurate items that did not belong to me. Creditor : XXXX XXXX, Account # : XXXX, Creditor : XXXX XXXX Account # :XXXXXXXX. Creditor : XXXX XXXX Acct # : XXXX. I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debts and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested, then I would like to have these items permanently taken off of my credit report immediately ( per my Rights under the Fair Reporting Act ).

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 2021-01-11 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: CITIBANK, N.A.
State: KY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written a uthorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-11 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: NY

Complaint narrative:
I was reviewing my credit report and noticed a bunch of accounts and inquiries that do not belong to me and shouldn't be reporting. It is unfair that I have to deal with the consequences of these negative accounts even if I didn't open them our even tried to open them. I sent dispute letters to these credit companies over 45 days ago and still haven't gotten any results let alone a response. I need these hindering accounts removed. I need to apply fir a mortgage soon and I can't do that if these false accounts are still reporting on my credit.

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 2021-01-11 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: NY

Complaint narrative:
I was reviewing my credit report and noticed a bunch of accounts and inquiries that do not belong to me and shouldn't be reporting. It is unfair that I have to deal with the consequences of these negative accounts even if I didn't open them our even tried to open them. I sent dispute letters to these credit companies over 45 days ago and still haven't gotten any results let alone a response. I need these hindering accounts removed. I need to apply fir a mortgage soon and I can't do that if these false accounts are still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter requesting an investigation of inaccurate accounts found on my credit report. It has been almost two months and I still haven't received any results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
XXXX of 2020 I went to XXXX XXXX  and paid off a phone and cancelled service, however they were still charging my account, I did an online chat in XXXX or XXXX regarding still being charged for the account, they said they apologize and will cancel the line, XXXX i got another email stated that my account will be permantly terminated if i do not pay the balance however the account was suppose to be cancelled since XXXX. In the store in XXXX the representative stated that they cancelled the service and unlocked the phone! Yet months later they were still charging me for the service. XXXX when I called a rep told me all I had to do was go into the store and show my ID and they will cancel once they verify that there was inactivity on the account and I would be cleared of the full balance. It hasn't even been a month later and I was sent to collection all because this company made a stupid mistake and did not cancel my service like I asked them to!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have had trouble with address reporting and cant seem to get Equifax to update my address.This is the third major address issue I have had with addresses. I contacted Equifax several times by mail and phone!! Unless this is a fake report- I have not been able to get an accurate report!! Also my address I put in letter was not updated! Instead the old address is listed as current. People rarely move into the same unit and exact apartment they lived in a year ago ... I gave my physical address and my mailing address as my XXXX XXXX XXXX Just about all of the report dates are inaccurate meaning I wasnt at those addresses those years!!! Actually my new address is not even listed?? How did this happen?? Also over phone they told me XXXX had me at loans close to XXXX. I told them to dispute it!!! It says dept of Ed loans sold on report also something is not right ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I did not apply for a loan with Mariner Finance. They mailed a live check to me, that I did not ask for or solicit. This implies that they ran my credit report without my permission, and I had never heard or done business with this company. They claim that I agreed to the terms of their loan by signing the check, but I did not receive " Regulation Z, Truth and Lending Disclosures '', After depositing the check, I waited to hear from Mariner for two full months. Finally, I reached out to them myself to get payment details, the term, and to learn how I could make payments. I was told the term was 24 months, so I set up 24 months of payments from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX Mariner started collections on me claiming I was six months in default. I received no correspondence from them until this notice was sent. In violation of numerous collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TN

Complaint narrative:
On XX/XX/2020 I mailed a letter about inaccurate information on my credit report. It has been almost 2 months and I still haven't received any results of an investigation.

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 2021-01-11 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: MA

Complaint narrative:
BOTH EQUIFAX AND XXXX  DROPPED MY FICO  SCORE SIGNIFICANTLY WITH NO SUBSTANTIATED REASON. NOTHING ON MY REPORTS HAS CHANGED IN THE LAST MONTH OTHER THAN ME PAYING OFF MY XXXX  XXXX XXXX TO XX/XX/XXXX Balance. 

I HAVE 100 % payment history, No derrogatory remarks and my credit card utilization is 0 %. ARE THEY ABLE TO TELL ME WHAT DRASTIC CHANGE HAPPENED< THAT THEY ARE NOT REPORTING IN ORDER TO DROP MY FICO  SCORE SO SIGNIFICANTLY? 

TO ME, its a form of bullying and harassment. THEY JUST ADJUSTED IT in XXXX AFTER MY COMPLAINT HERE. WHY DO THEY KEEP DOING THIS KNOWING IM GOING TO COMPLAIN HERE?

Company response to consumer: Closed with explanation