vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Multiple bank and credit card accounts were opened on my name by someone. I was able to get hold of three credit reports and 'XXXX ' report to dispute the inquiries and then lock/freeze the report to prevent further damage. 

One of the bank account ( XXXX ) was not reported on credit reports + XXXX XXXX report. XXXX customer support person informed me that bank uses " earlywarning.com '', this is surprise as 'identitytheft.gov ' or any other website did not mention about this company anywhere. 

1. earlywarning.com is not having proper online method to request my consumer report. 
2. consumerservices.earlywarning.com is failing with XXXX error not able to register email for sending documents. Customer support was not helping to resolve the issue. 
3. I have called customer support and provided all PII, identity questions over the phone to request a report. Report will be sent in 15 days, I will have to wait 15 days to know at which other banks new accounts were opened. By the time I get report it will be outdated, new accounts may be opened in 15 days. 
4. Important : There is no way to set fraud alert or freeze/lock my data at 'earlywarning.com '. Customer support person is saying that I will have to keep checking data and dispute the incorrect entries, it is not stopping fraud. It is lot of unnecessary work for me for next several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TX

Complaint narrative:
I have filed a dispute in regards to the the incorrect items on my credit report with XXXX, TransUnion, and XXXX  on XXXX XXXX. It has been well over 30 days. I received results from XXXX  on XX/XX/2021. I have not yet received any investigation results from TransUnion or 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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed a dispute in regards to the the incorrect items on my credit report with XXXX, XXXX, and Equifax on XXXX XXXX. It has been well over 30 days. I received results from XXXX  on XX/XX/2021. I have not yet received any investigation results from XXXX  or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERLA AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-20 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: MD

Complaint narrative:
company has not follow protocol as to remove items from my file that is not mines

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 2021-01-20 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: MD

Complaint narrative:
company has not follow protocol as to remove items from my file that is not mines

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 2021-01-20 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: CT

Complaint narrative:
Transunion took more than 30 days to respond to my dispute letter for fraudulent inquiries on my credit report. 

I sent my first dispute letter via certified mail on XX/XX/XXXX. Did not receive a response, although the return receipt was signed by Transunion on XX/XX/XXXX. 

I sent my second dispute letter via certified mail on XX/XX/XXXX. The disputes that need to be deleted from my Transunion Report as soon as possible : 1. XXXX, Inquire Date : XX/XX/XXXX 2. TransUnion, Inquire Date : XX/XX/XXXX 3. XXXX XXXX, Inquire Date : XX/XX/XXXX Please see the attachment.

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 2021-01-20 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: IL

Complaint narrative:
On XX/XX/2020 my bill for account CAPITAL ONE did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I tried emailing Holloway Credit Solutions on XX/XX/XXXX to resolve this complaint. They do not except email. I am not contacting them on the phone due to how rude the employees are. 

In XXXX I received a letter from Holloway Credit Solutions saying I had till XX/XX/XXXX to submit a financial aid application to XXXX XXXX XXXX or pay this debt for {$3300.00}. XX/XX/XXXX i mailed a financial aid application to XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent a letter saying they reviewed my Financial Aid application and I qualify for 100 % charity discount through XX/XX/XXXX. On XX/XX/XXXX Holloway Credit Solutions added this debt to my credit report. No where in the letter did it state that I needed to contact Holloway Credit Solutions and notify them I was sending the application or what response I received for the application from XXXX XXXX XXXX. So Holloway Credit Solutions should be responsible for double checking someone account before adding a collection account on someone's credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Items where illegally ran on my credit. Not giving consent to do so by me.! 

american credit accept XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is in serious violation. They received my Notarized ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. 

They are in receipt of that information since XX/XX/2021 and have not done what i demanded as a Federally protected consumer. Not following Federal Law makes Equifax Criminally liable. 

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave Equifax written permission/ consent to report anything on my consumer report. No consent means Identity theft which Equifax can be held criminally liable Equifax is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2021 I submitted an international wire in the amount of {$5000.00} from my personal checking account at BBVA USA. All security information was previously verified by their Wire Department ; however, to this date funds have not been received by the recipient account nor returned to the checking account despite multiple pleas via phone calls. This bank operates like an outlaw organization in total disregard of customer relations. Whenever I attempted to find out about the wire using my calmer demeanor, they either put me on hold or simply hung up the phone in what appears to be an inconsequential behavior for those staff members involved. 

I have been transferred multiple times to different alleged supervision levels but none are even willing to file a dispute report, which filing is also restricted online. 
BBVA have been illegally holding funds meant for a time sensitive business transaction which I already missed, but I just need my monies back as soon as possible. 
Amount of wire : {$5000.00} Date sent : XX/XX/2021 Destination : XXXX XXXX BBVA confirmation code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERLA AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have disputed information on my XXXX credit report multiple times and it continues to stay. Old Navy/Synchrony Bank account is reporting 120 days late. Synchrony bank provided me an affidavit that they would correct their reporting and remove the 120 day late inXX/XX/XXXX. As of XX/XX/XXXX the account was still reporting 120 days late. I disputed with XXXX while providing the affidavit and twice now they are continuing to report inaccurate information.

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 2021-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Hello, I have been trying to get my credit cleared up with Capital one. I have late payments on my credit from XX/XX/XXXX and prior. When I spoke to a representative about my account at the time of my job loss they had told me that if I was able to get my account in good standing for a year that they would remove the late payments as a goodwill. I have tried for the last 3 years to have them removed and they still will not remove them. I have 3 credit cards with them all have been onetime for the last 5 years. I don't know what more I can do to prove my good faith to them. is there anything that can be done? I feel that they lied about what was needed from me to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I opened an account with 53rd bank in XXXX Kentucky. This was an IRA direct transfer from another bank. I put it into a CD which was to mature in 2.5 years. I signed paperwork and got a receipt saying I had opened a CD/IRA. When the CD matured at 53rd I went to roll the CD/IRA over to another bank and to my horror discovered that 53rd bank had not coded my IRA correctly when they received it as a direct transfer from the first bank 2.5 years ago. My money had been sitting in a regular savings account for the last 2.5 years unbeknownst to me. I didn't know what to do so I took the money and deposited it at another bank in a regular savings account since I know you only have 60 days to roll over an IRA and it had been 2.5 years thanks to 53rd bank. 

Now I am looking at a big tax bill and penalties due to 53rd bank 's mistake. I asked them to help me write a letter to the IRS to explain their error but they refused to help me even though they admitted it was their mistake. Instead, they wanted me to sign something saying that I wouldn't sue them. 

I called them a few times but they do not ever call me back. 

I am going to take a big financial hit due to their mistake ( admitted to me by them ) but they refused to take any responsibility. 

I don't know what to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I applied for a mortgage with Amerisave Mortgage Corporation in XXXX GA in XX/XX/2020. Before my loan application could be processed, they said they needed to collect a processing fee. I asked what it was for and if it would be credited at closing. I was promised it would at received a verbal pre-approval so I agreed and paid the fee. After submitting all required documentation, and repeated emails and calls, which were never returned, I finally received a document via automated email for pre-approval. WhenI found a home and submitted a contract, no one from Amerisave could be contacted to proceed with the closing process. I made several calls and sent emails and did not receive answers to my questions about closing costs. I decided on XX/XX/XXXX to file a complaint. I received a call the day after submitting a complaint to XXXX and was promised a refund. I have yet to receive a refund and when I called today, no one answers the phone. I feel like this was all a scam.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Genesis Lending
State: NJ

Complaint narrative:
I am writing today in regards to my account with XXXX XXXX XXXX # XXXX. 
The reason for writing today is in regards to the late payments showing on my report in XXXX 2020 and XXXX 2020, due to Covid I was unable to make the payments in XXXX and XXXX 2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
In XX/XX/XXXX I received a letter from XXXX XXXX  credit card company demanding that I send them XXXX XXXX financial information by XX/XX/XXXX. No specific reason was given other than provisions in the Patriot Act. It is my understanding that this portion of the Patriot Act expired in XX/XX/XXXX. I am also a XXXX XXXX XXXX and don't have the corporate documents demanded. Seeking clarification I called the phone number provided. I called that phone number 24 times across the next month and was consistently placed on hold for between 30 and 60 minutes and unable to speak with anyone. Without additional information I am not able to comply with the demand. Today, on XX/XX/XXXX XXXX XXXX  credit card was declined to a XXXX vendor. Credit card customer service indicated that my account was being held hostage for non-compliance and her only solution was to give me the same phone number I had unsuccessfully called, adding that " this is a very busy number ''. As I write this I have been on hold to the aforementioned phone number for 45 minutes. I am outraged that the credit card company wields this much power and uses it during the pandemic when running a XXXX XXXX is precarious. Please help soon.

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