vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Bank # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
There were 5 inquiries made on my account on XX/XX/XXXX. I did not authorize all of these inquiries and they subsequently lowered my score. There were 3 more made on XX/XX/XXXX. I did not authorize all of these. I had to file bankruptcy a couple of years ago and I am trying to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There were multiple inquiries made on my credit about an auto loan. I did not authorize all of these inquiries.

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 2020-02-04 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX XXXX XXXXXXXX {$310.00} XXXX XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: UT

Complaint narrative:
XXXX XXXX XXXX  # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good 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 non-monetary relief
Consumer complaint received 2020-02-04 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good 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 2020-02-04 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:
The accounts and inquires I did not do.

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 2020-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
There are fraudulent things on my credit report from this company I've reached out to them and has gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
A title loan was taken out in my name in the amount of XXXX I did not open this account. The loan number is XXXX. Monthly payments have been made on this account but I did not open this. My vehicle was broken into my identifying information was stolen and some one reopened a loan. I need this resolved and I need my title back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Through a clerical error which led an insurance agent to believe that Caliber Home Loans was an escrow agent for said loan, renewal documentation and invoice for a home insurance renewal policy was sent to Caliber instead of borrower.

Caliber was aware that they were in possession of the renewal invoice, but withheld that information from the borrower. Caliber failed to notify borrower that Caliber had received the renewal invoice, and Caliber failed to notify the insurance agent that they were not an escrow agent for the account. 

As a result, the insurance expired on XX/XX/XXXX. 

The borrower received no notices from Caliber until XX/XX/XXXX. 

Caliber failed to provide the legally required notices under 12 CFR 1024.37 The borrower immediately arranged for new insurance but due to a lapse in coverage greater than 30 days, borrower was unable to continue uninterrupted coverage and a new policy was initiated on XX/XX/XXXX. 

Caliber was sent proof of insurance no less than 5 separate times, but in each case, Caliber failed to cancel the FPI policy within 15 days as required by 12 CFR 1024.37. Further, Caliber continued to make a false statement of fact that no proof of insurance had been received, despite the fact that it had been provided multiple times, including by certified mail return receipt. 

Additionally, Caliber claims that because they purchased the FPI policy, it automatically triggered the creation of an escrow account, which now can not be removed because the mortgage is securing an FHA loan.

Caliber claims that all legal notices were mailed, but can provide no proof of mailing, such as a postal receipt, certified receipt, or return receipt. Therefore, the forced-place insurance policy was purchased illegally, and the corresponding escrow account is invalid and should be removed from the loan.

Borrower continued to make timely Principal and Interest payments on the loan. On XX/XX/XXXX borrower received a Notice of Default from Caliber, sent by certified return receipt for non-payment of the disputed escrow charges.

It is the borrowers belief that Caliber willfully and intentionally withheld information from borrower which would have allowed the existing insurance to be renewed without any lapse of coverage. Further, it is the borrowers belief that Caliber did this so that they could purchase a higher-cost forced-placed policy in order to force the borrower to escrow insurance for the remaining duration of the loan, require additional payments each month, to be kept in an interest bearing account for which Caliber retains said interest.

Borrower has had numerous discussions with Caliber over the past six months, but has received no satisfaction, and will be initiating legal action if the matter is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2020 I received a phone call from US Bank Mortgage. The auto phone call stated that an amount of {$1700.00} was due, then the representative told me the amount due was {$1800.00} was due. I told them that I paid the bill via XXXX e-pay, which I always do. The mortgage was due on XX/XX/XXXX, a Saturday. I sent the payment XX/XX/XXXX and it has been delivered to US Bank today and is funded. This should be posted as soon as its received, which is a violation of Section 6 of RESPA, and Section 36 of TILA. This is the 3rd time this has happened with US Bank. This is harassment and I should not have to be subject to this type of predatory collection. US Bank should be ashamed of themselves.

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 2020-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
There is debt on my credit report from this company that does not belong to me

Company response to consumer: Untimely response
Consumer complaint received 2020-02-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I attempted to fix this ongoing issue with Experian for months. I've sent multiple letters asking that they fix the issues. It is severely hurting my ability to obtain property and live my life in peace. There are unverified accounts listed on my credit report. I've asked for proper verification and the METHOD of verification for months now and each attempt has been ignored. XXXX  and XXXX  were unable to verify those account listed and deleted them. But experian refuse to update my account to what's accurate and tell me who verified the accounts and what method was use to verify the accounts. 
They also reinserted several accounts after deleting them without given me a notice or proper validation of accounts that the claimed are verified, which is a violation of the FCRA. 

The unverified accounts are as listed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, and 2 accounts from XXXX XXXX XXXX 

I've sent my last letter via certified mail. This is my last plea before taking legal action.

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 2020-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: American Payment Holdco, Inc.
State: IL

Complaint narrative:
Received a letter dated XX/XX/XXXX, referencing case ID XXXX stating " your Popmoney service has been suspended '' ... 
It shows a number to contact : XXXX ... '' to avoid cancellation of your Popmoney service account ''. 

I do NOT have a pop money account. I used pop money in around XXXX or XXXX once or twice but never after that. When I used pop money it was to receive money from a person who was subleasing my apartment at the time. 

Letter states I will be " unable to use your Popmoney account until you contact us ''. 

Letter states that for prompt reactivation I can contact the number I mentioned above or I can submit a certified check or money order payable to " Payment Processing Center '' at XXXX XXXX XXXX XXXX TX XXXX. 

At the bottom of the letter : " POPMONEY RETURNED TRANSACTIONS ... 
Recipient XXXX XXXX Amount {$99.00} Payment date {$99.00} Reason returned : Account Frozen '' I do not know a XXXX XXXX, have not attempted to pay this person, and I do not have an active pop money account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: OH

Complaint narrative:
Today XX/XX/20 Equifax took it upon themselves to add an extended fraud alert to my credit report when I never asked for one. I do not want a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These inquires and accounts I did not do.

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 2020-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
There was a XXXX  posted for someone else and someone used my information as a co-signer on the XXXX. I was XXXX during the time of this XXXX. It was not me who signed any documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received 32 telephone calls from an " unknown '' number leaving this number as a call back XXXX, I attempted to call them back and spoke with a female named XXXX at ext XXXX, who refused to listen and hung up on me. The tactics used by Comenity Capital Bank are unacceptable and harassing, not to mention the threats and abuse of power here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been a victim of Identity-theft as my personal data has been compromised by someone and used for some time now for them to open or attempt to obtain benefits from various sources over some years now. I have filed several reports previously to the FTC, CFPB and local Authorities to obtain some resolve to this ongoing illegal and unauthorized activity. I can not obtain the credit I personally deserve because of the credit others have illegally obtain under the guise of my personal identity. They have obtain Student Loans, Auto Loans, Medical Services, Housing and others financial benefits without any authority from myself and I need it to stop immediately and my good name restored.I will be seeking relief from the Attorney General Office of Michigan if this is not cleared up immediately pursuant to FCRA 605 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been a victim of Identity-theft as my personal data has been compromised by someone and used for some time now for them to open or attempt to obtain benefits from various sources over some years now. I have filed several reports previously to the FTC, CFPB and local Authorities to obtain some resolve to this ongoing illegal and unauthorized activity. I can not obtain the credit I personally deserve because of the credit others have illegally obtain under the guise of my personal identity. They have obtain Student Loans, Auto Loans, Medical Services, Housing and others financial benefits without any authority from myself and I need it to stop immediately and my good name restored.I will be seeking relief from the Attorney General Office of Michigan if this is not cleared up immediately pursuant to FCRA 605 ( b ).

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 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX of XXXX, I applied for an American Express gold card through XXXX XXXX and was approved instantly for {$8000.00} dollars credit limit plus cash advance of {$1600.00} by American Express. I have never missed a payment all my payment are on time and never late, than On XX/XX/XXXX I received a letter from American Express stating they were lower my credit limited to {$2800.00} which was my current balance at the time of their decision they stated it was because of derogatory public record, reported delinquency is to recent or unknown, too few accounts paid as agreed and too many credit inquiries on my report in the last 12 month none of which was true after I sent for my updated credit report nothing was found to stand up to their decision. American Express ask me to make a lump sum payment of {$1300.00} by XX/XX/XXXX ; which I've never hear of after that payment was made they said they would review my account again and they also ask me to send in a finance report of my income when that was never a factor in them giving me a {$8000.00} credit limit. They have affect my credit score negatively by putting me into 98 % utilization on this card which has impacted my good credit score by dropping it down 122 points. They refuse to rectify this situation and I have tried several times to get them to reverse this decision. I'am current with and all my creditors including American Express .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: AR

Complaint narrative:
I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$1900.00}

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 2020-02-04 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$1900.00}

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 2020-02-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquires and accounts I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have repeatedly tried to obtain my credit report since XXXX of 2019 from Experian, Experian refuses to allow me access online, i have repeatedly tried to upload this information and repeatedly lost connection, i have repetedly mailed the info they have requested numerous times and they dont respond, Further there is no published phone number for this company that has a live person or a prompt to get to a live person ... However there appears to be a way to obtain it for {$20.00}! This is not right..being billed and made to jump through hoops for something that by law i should be able to easily obtain..

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 2020-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I, XXXX XXXX, opened a savings account with Citibank. I was supposed to receive a {$400.00} bonus for opening the account and meeting certain terms ( XXXX in new money within 30 days and held for 60 days ). I was also supposed to receive a {$100.00} bonus for two direct deposits in consecutive months to my checking account within 60 days. I met all the requirements and did not receive the bonus within 90 days as stated in their terms. I have attached a screenshot of the terms that I took when I opened the account, just in case Citi decided not to honor the promotion.

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