vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On my credit report, I have 11 Open credit account along with 10 Hard Inquiries. I am unsure as to what these inquiries are regarding. Specifically the following XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX/XXXX  XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX These are all a direct result of identity theft, I had my identity stolen in XXXX and have had numerous issues many of which are listed above. Please let me know how to proceed. 

-XXXX 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 2020-08-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I did an online application. I received 3 phone calls from loan depot saying to call them. They received my application. I called them back. The loan assistant verified some info and put me thru to the licensed loan officer. He said that he could not do a loan for me. " The system wont even give me pricing '' there is nothing for you '' cant get pricing. He said i have 78 % loan to value. I asked he how he got 78 % its much lower then that ( loan amount $ XXXX value $ XXXX. ) He said oh! Oh! Lets see, at a 59 ltv. On 30 year fixed would not lower your rate. I said well what would it be.. he said im thinking it would not make sense. I said, what would the rate be? He said 4.250 % ( im currently at 5 % ). On a 30 year ( my lender has put mine to 43 years ) AND he says at the 4.25 % it will cost you 2.25 points. So its going to cost you {$7500.00} to do a loan. ( He was discouraging me so much that it was clear he did not care about XXXX. And was denying me the same financial assistance of a person that has a XXXX, XXXX, XXXX credit score. Certainly appeared that way. So i said, ok lets do it! He says, what? I said again lets do it! He was silent. I said to him after the moment of silence, i said : you dont want to do this loan, do you? Ahhhh ... and we ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Have made numerous request and complaints to have a specific purchase corrected. Several months later the issue has fallen on deaf ears and is still outstanding. Purchase for {$1300.00} made on XX/XX/2020 is supposed to be on the 24 months no interest plan! I have been complaining ever since this purchase was processed incorrectly by Comenity Bank and Wayfair! This purchase was placed on a 24 months LOW APR plan, this is not what I selected! 

Immediately, enter a billing dispute for the above and place this purchase on the correct finance plan which is 24 months no interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian credit services are manipulating my score incorrectly and do not have a correct scoring method. I opened a card through them, that there website recommended to build credit and it they took off over 70 points just for that. Over the coarse of 5 or 6 months of good standing i got my score up half of what it dropped. They just dropped another 16 pts today saying that my credit usage went to high which its not because i paid the entire card balance the same day i used it. I pay all my cards before there due and they recently rejected my successful payment for no explainable reason which gave me a late payment, They have mishandled my account and my score is now worse then what it was before i started using them. They do not have a number i can call to talk to an actual human and lead you on over the voice service to just hang up. They keep my score down so they can charge higher interest rates and make more money off me. This needs to stop!

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
45 days ago i file disputes with the credit bureaus. I have yet to received anything regrading my results. I feel 45 days is enough time to submit what i asking for.

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
45 days ago i file disputes with the credit bureaus. I have yet to received anything regrading my results. I feel 45 days is enough time to submit what i asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I requested assistance under their COVID-19 guidelines posted on their bill payment website. I was allowed to defer 2 monthly payments under the CARES Act. Citibank then turned around and reduced by credit limit my more than one half the original limit. By doing this it now reflects on my credit report I'm at 98 % usage on the credit card. Citibank purposefully adversely affected my credit report without telling me they would do this. Their excuse was my payments were lower than expected. However, I made every minimum monthly payment on time the last several years and 100 % of the time made more than the minimum payment required.

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 2020-08-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquiry is being reported inaccurately on my Experian credit report. 

XXXX appears on my Experian credit report inaccurately and can not be validated. A violation of federal law. 

XXXX is being reported without any permissible cause, no credit or loan was awarded but is still being reported as accurate. This is a violation of FCRA rules section 1681.

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 2020-08-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are two issues I am concerned about. First, the credit report I received by mail includes the following : " Personal statements you've asked us to include : You've given us the following statement to include every time a company asks us for your credit report : 'FILE FROZEN DUE TO FEDERAL LEGISLATION. ' '' This is untrue. In fact, I requested that the credit freeze I initiated be lifted. Experian agreed to do that. 
Second, I can not log into my account because Experian has no record of my name and social security number.

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 2020-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
The day that I went to look for a loan I tried everything I was in the middle of moving out of my house with my husband at the time we were separating only been married a year lost in the state of confusion just didn't really know what to do I was at my wit 's end I apply for a loan that's all I had was a car Well I got a title loan from XXXX at XXXX XXXX XXXX   over a year ago when I thought that I was at the end of paying the {$2500.00} back I had already paid I think close to XXXX back so I thought I was done so I gave them a call and they told me that only {$10.00} of the money that I had been paying went toward the principal but the {$390.00} a month that they told me to pay every month went towards the interest so that means that by the end of the loan I would have to pay them {$14000.00} for {$2500.00} loan for a car that's only worth {$800.00} in the XXXX XXXX value they are threatening to repossess the vehicle from me I don't understand how they could charge me over 300 % interest for the vehicle for the loan they won't give me any help they just want me to just keep paying them {$390.00} a month until {$14000.00} is paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I spoke to Rushmore several times since my mortgage was bought by them. Each month I called in to get my mortgage on auto pay and was told it was set up. Each month I learned the mortgage was debited late and after I called in for a manual draw. There were a couple months that I paid double payments since the prior month was not debited and each month the agent told me not to worry about the error since they were not reporting to the credit bureaus due to covid. I have a more than 12 year history of on time payments before they bought my loan and now that they have it, they have yet to resolve the autopay issue. I have given them my account information each month for billing and they still have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Three years ago the Lowe 's representative tricked me into getting a Lowe 's card to cover the cost of the project ( ductless AC installation ). I never signed a contract to have the work done. I received a Lowe 's XXXX XXXX with the limit of {$14000.00} three years ago that I've never activated or used. I've never received any disclosures or statements on this account, except for the actual card. Two months ago, my credit scored went down 20 points. XXXX XXXX showed that my Lowe 's card limit was changed to {$1500.00} as the cause for lowering my score. I wasn't provided an Adverse Action NOtice! I was in the process of applying for a refinancing on my primary home. This dip in my score caused that I was denied a loan!!!! Since I've never received any statements or notifications from Lowe 's card company - I don't have anybody to contact! I demand that the Lowe 's credit company 's actions are deemed illegal and my credit report 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 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Angel Oak Home Loans LLC
State: MI

Complaint narrative:
Respected Sir/Madam, I have started refinancing 2 loans that I had on commercial properties in XXXX in XXXX this year. I started the loan process with Angel Oak Home Loans. The agent involved was XXXX XXXX ( NMLS # XXXX # XXXX ). Offered an interest rate of 3.325 and quick closing. Each of the properties are currently valued at {$360000.00} each and are carrying a loan amount of {$280000.00} each. They initially offered to close the loan with costs around {$9000.00} each. They made me pay {$2100.00} in appraisal costs out of pocket. The appraisals ( through a company that angel oak recommended appraisaltek ) were never sent to me. In XXXX ( after much persuasion and reaching out to management ) I received new disclosures which increase closing costs to {$20000.00}. They had also changed the interest rate on the loans to 3.465 %. They stated the changes were because the appraisals had come in lower than they had anticipated. I know for a fact that my properties would not appraise lower as I had tried to sell them earlier this year and they were appraised between XXXX. By then I had sent them my bank statements, visa documents and personal information ( including an IRS tax statement ). They knew my account did not carry the amount required to close with the spike in the costs. There was no communication from the team unless I repeatedly called them. Finally they send me communication ( via text on XXXX third ) casually asking if I can still afford the loan. In XXXX as i was trying to file this complaint they removed all the paper work that was sent to me on the portal. 

This process was very stressful. Half the times I was not even sure if my loan was being processed. All I had asked for was to let me know if they could close it or not. But they delayed it by 3 months. I had spent {$2100.00}. I feel like I was discriminated and treated unfairly. If they had not intended to close them the least they could do was to let me know earlier, rather than lead me along. 
I want this company to be investigated. To make sure they are not doing this with other customers. I would in the least want my appraisal amount that i paid out of pocket to be compensated. 
Kindly look into the issues. 
Sincerely, XXXX, XXXX. 
( Email : XXXX ; Ph # : XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10 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: MS

Complaint narrative:
In XX/XX/2020, I filed a dispute with Experian, XXXX and XXXX   credit bureaus about the unverified account : US BKPT CT XXXX XXXX Reference Number XXXX. In over 45 days I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today XX/XX/2020. 
Thank you

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 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I worked things out with the company and wasn't suppose to receive a 30 day late. XX/XX/XXXX & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: MS

Complaint narrative:
In XX/XX/2020, I filed a dispute with XXXX XXXX and Transunion credit bureaus about the unverified account : XXXX XXXX CT XXXX XXXX Reference Number XXXX. In over 45 days I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today XX/XX/2020. 
Thank you

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 2020-08-10 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: MS

Complaint narrative:
In XX/XX/2020, I filed a dispute with XXXX, Equifax and XXXX   credit bureaus about the unverified account : XXXX XXXX CT XXXX XXXX Reference Number XXXX. In over 45 days I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today XX/XX/2020. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Denied Energy Efficiency MortgageXXXX told that is a cash out loan. Lakeview and XXXX stayed that it is a cash out loan and that is not authorized under VA IRRRL. Need to have done and rectified. They are lying about who denied me and who the underwriter is.

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i filed a dispute with equifax and XXXX 75 days ago, i feel that is plenty of time to respond to my request. please help me in the matter.

Company response to consumer: Closed with explanation