vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone Home Lending Inc.
State: CA

Complaint narrative:
Cornerstone home lending is predatory and the mortgage broker XXXX XXXX repeatedly lied to me about estimates. All estimates were several XXXX dollars off ( always in XXXX favor ). Cornerstone had my original mortgage and the refinance but charged a late fee when XXXX was slow processing the loan. We were supposed to get a refund of impound but cornerstone itself paid our real estate taxes twice ( {$4000.00} ). XXXX XXXX says he will try to help figure out what went wrong and see if you can get your money back. He is not performing his fiduciary duty to us - and has behaved in a predatory manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. I had two unusual transactions from XXXX after I had deposited a check for {$1000.00}. Both transactions seem to be headed in the same direction, a number I have no clue where it's from and the name either. These transactions were made on the XXXX and XXXX of XXXX. Putting my family and me in a very stressful part, I had to pull strings to get out of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was planning to close my Capital One account and had accumulated {$130.00} in cash / rewards on the card over 11 years. I called on XX/XX/XXXX and was told by the automated system when my account was closed, I would forfeit my points. Prior to closing XXXX, I used my Capital One Rewards points to purchase an XXXX gift card for {$130.00}. It appeared as if my points went through. I then contacted Capital One to close my account. One month later, I received a bill for the {$130.00} that was supposed to come out of my rewards. I contacted Capital One and they said I was responsible to pay for the {$130.00}, even though it was supposed to be with my cash / rewards that I had accumulated over 11 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
hello i have tried multiple times to reach out to Bonton about this credit card that they say is charged off on my credit report and they have not fixed the issue ... .I did not owe anything on my card for a longgg time then they shut this store down and i get this on my credit report and it is inaccurate ... I did not have a balance at all ... .There must be a mix up in their transferring of files when they sold to the liquidator ... As a matter of fact they owe me money ... i had a {$250.00} gift card that i was unable to use once they sold to a liquidator out of the blue ... they said it wasnt possible so i lost that money ... .i will attach a file of the reporting and one of the letter i sent out in which i received nothing back ... how are the credit bureaus saying this is verified? i have disputed with all 3 bureaus and thhey have not even marked it in dispute ( see attachhed ) so how did they conduct a full investigation? this is all a mess and is killing my credit score i need this deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, we provided information to what we suspected was a fraudulent company. 

We successfully froze our accounts with both XXXX  and XXXX. We also cancelled our credit card and put a notification on our bank account. 

We attempted to put a freeze on our Equifax account. We were informed they were closed and they requested we try again Monday. On Monday, XXXX, we called Equifax and XXXX told us the request could not be handled by phone. He refused to transfer us to a supervisor and hung up on me. 

We mailed the request. On XXXX, we received a letter with a verification code and attempted to log into my.equifax.com. 

On XX/XX/XXXX, XXXX assisted me for 40 minutes to try to log into my.equifax.com. After multiple attempts, I was informed that the system was down and was told to try back later. 

On XX/XX/XXXX, XXXX XXXX Employee # XXXX ) kept us on the line for 90 minutes and we repeatedly asked to speak to a supervisor which she repeatedly refused to do. XXXX, the agent said she would not transfer us to a supervisor due to legal policy not due to tech issues. She verified that the documentation she needed to transfer us would not have been able to be provided on the call. 

She provided us with 4 phone numbers : XXXX XXXX XXXX XXXX  ; Automated line ; Hot-line ; Fraud assistance. 

She said verification of identity ( SS #, Drivers licence ) must be received by mail before we could talk to a supervisor. We reset the password many times before requesting to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: NC

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT BELONG TO ME. I DO NOT KNOW WHY OR HOW THESE ACCOUNTS ARE BEING REPORTED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THE ACCOUNTS. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: NC

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT BELONG TO ME. I DO NOT KNOW WHY OR HOW THESE ACCOUNTS ARE BEING REPORTED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THE ACCOUNTS. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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 am speechless after I saw my report recently and found there accounts that are not mine absolutely. I am requesting that you delete information off of my credit report that isnt mine. Actually I have no idea how these items ended upon my credit report, but I never signed for or agreed to these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I received an email telling me that my accounts with chime bank were blocked and I need to verify my funds. I tried to send them all the documents that they asked for. They asked for a w2 from my last job. I am an XXXX XXXX I am a XXXX XXXX I also do XXXX XXXX XXXX. While I do okay for myself I dont have a w2 or anything to prove how was I making money it was all cash and I was depositing it to my bank account. I only opened chime bank account because they have a higher interest rate. Now they XXXX me over because they close my bank account and sent me an email that my funds arent eligible for refund. That money is all I have I am late on my rent and cant even go buy food and all this happened a week before XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CA

Complaint narrative:
I FOUND A DEROGATORY ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE AND THIS ACCOUNT WAS NOT AUTHORIZED BY ME. I WOULD APPRECIATE IT IF THIS ACCOUNT CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Texas Guaranteed
State: NY

Complaint narrative:
Hello. I was a student at the XXXX XXXX XXXX at XXXX XXXX. My students loans were transferred to Trellis Company a few years ago. Under the Cares Act, current student loans are forgiven for the time being because of Coronavirus. I reached out to XXXX asking if I could lower my interest rate because I was paying throughout the pandemic. They informed me that I do not qualify for Cares Act AND they have been charging interest on my account DAILY. Is there anyway to take action against these charges? This is unethical especially with 6.9 % of the population is unemployed ( according to the Bureau of Labor Statistics ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: TX

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: FL

Complaint narrative:
I am speechless after I saw my report recently and found there accounts that are not mine absolutely. I am requesting that you delete information off of my credit report that isnt mine. Actually I have no idea how these items ended upon my credit report, but I never signed for or agreed to these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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 am speechless after I saw my report recently and found there accounts that are not mine absolutely. I am requesting that you delete information off of my credit report that isnt mine. Actually I have no idea how these items ended upon my credit report, but I never signed for or agreed to these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CA

Complaint narrative:
Experian has failed to report accurate information after several attempts to dispute an open account from XXXX XXXX XXXX in the amount of {$4.00}, XXXX. The company that sent my account into collections is XXXX  XXXX XXXX. I went to court prior to the date they sent my account into collections. The Judge dismissed the case that XXXX XXXX XXXX filed against me once I showed the judge proof the bldg had been burned down, mold, and rodents including rats. The manager at XXXX XXXX XXXX did not show up to the Court date which also led the judge to dismiss the case against me. Subsequently XXXX XXXX XXXX have been reporting the information that the judge dismissed. I have provided Experian this information since XXXX and they have disregarded it. Furthermore, I have contacted them today XX/XX/XXXX and spoke with a rep who stated the documentation I have is " too old '' to add to dispute which I find to be unfair and unprofessional considering they are reporting " old '' accounts and the documents I have will reflect the date of interest. Experian is failing to do their due diligence in reporting accurate information. Their negligence has costs me monetary issues and has affected my livelihood and I will like to take legal matters. Please 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 2020-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I have disputed ERC Collections many times off of my credit and they have continuously stated that this debt is verified. I have asked for proof of the validity of the debt but have yet to receive it. I want to know what they used and how they are proving that this debt is verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: TX

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: TX

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
an account was opened in my name by unknown individual on XX/XX/2020 at Suntrust Bank I have reported it to Suntrust and account has been closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CA

Complaint narrative:
I FOUND A DEROGATORY ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE AND THIS ACCOUNT WAS NOT AUTHORIZED BY ME. I WOULD APPRECIATE IT IF THIS ACCOUNT CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CA

Complaint narrative:
I FOUND A DEROGATORY ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE AND THIS ACCOUNT WAS NOT AUTHORIZED BY ME. I WOULD APPRECIATE IT IF THIS ACCOUNT CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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