vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
While purchasing a vehicle from XXXX XXXX of XXXX on XXXX XXXX, 2020, I was told that I would qualify for 1.99 % financing by the salesman but the finance rate was 4.99 % on the contract statement and I was not notified of the change when signing the contract ( My husband & I were both there ). After discovering the rate was 4.99 % a day later, I was told that there was nothing the could be done to correct the issue. I tried to talk to the finance department manger- XXXX XXXX about this issue, and I was told that I should have come in the office right away to have the issue correctly otherwise there is nothing they could help. 

I believe that this is not misunderstanding since both my husband & I were there that day when we process the loan ; and I want to make sure that other consumers do not face the issue like I did. I decided to pay off the loan completely at this point and I have to pay the {$91.00} interest which I would not need to pay if I had know the the interest rate was 4.99 % originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My bill is due on roughly the 5th of every month. In XXXX, I made a payment on the XXXX and another one on the XXXX. The one on the XXXX was for the amount due on XX/XX/XXXX, and the one on the XXXX, made after the previous bill was due, would then be for the amount due in XXXX. Best Buy applied both of these payments to the bill due on XX/XX/XXXX, and then charged a late fee, and potentially interest on the " unpaid '' amount that was due on XX/XX/XXXX. I have called them, and spoke with a rep named XXXX, and they can not assure me that the late fee would be waived, and have said that they can not apply the payment from the XXXX to the bill due on XX/XX/XXXX. I have made payments on time every month, including for the one due XX/XX/XXXX, and I believe that this business has not acted ethically even though I have upheld my responsibility every month. Additionally, they have said that this could affect my credit score, which seems completely unethical considering they've received their payment already. Additionally, I have paid more than the amount due each month. This business needs to be held accountable so they are not allowed to do this to other customers as well.

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 2021-01-07 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: I.C. System, Inc.
State: GA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-01-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a dispute with Equifax on XX/XX/XXXX by phone as the website was down temporarily. Equifax is reporting an account that is not legitimate and is the only agency reporting that account. Confirmation of the dispute filing was received. The results of the investigation states that the item had been deleted from the credit report on XX/XX/XXXX. However, the dispute remained open and the item still showed on my credit report. I contacted Equifax again on XX/XX/XXXX by phone and was told to dispute the item again. I declined as the dispute and resolution had been obtained, but the action noted had not been taken. On XX/XX/XXXX, the dispute showed a " completed '' status on their website with the same resolution of the item was removed. Again, the item still showed on my credit report and again, I contacted Equifax by phone and was told it would take " a few days to be removed ''. On XX/XX/XXXX, the item still showed on my credit report and upon contacting Equifax by phone ( as the website shows temporarily down still when attempting to submit online ), I was told it will be another 30 days before the item is removed. This is not FCRA compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lima One Capital, LLC
State: VA

Complaint narrative:
On XX/XX/2019 I closed on a hard money loan with Lima One Capital for around $ XXXX. I was told they were charging me 10.5 % with 2.5 % in points. The closing date was the first time I saw the HUD statement. I believe the law states I should see it three days before closing. When I saw the document at closing, I could not determine what rates I was receiving and it would have been difficult to back out of the deal at this time. They ended up charging me 11.5 % interest and 3.5 % in points. This resulted in approximately {$3500.00} additional dollars I paid to them over about 10 months. I brought this issue to the attention to my sales rep and he denied there was an issue at first. Then I showed him the emails of the rates he promised me, and he admitted that a mistake was made. In fact, the underwriter did not include a $ XXXX wholesaler charge which made the loan appear to be less than $ XXXX and qualify for these higher rates. In fact, it was over $ XXXX and I should have been given the rates that were given to me over email. I have tried filing a XXXX complaint and talked to the company directly, and their attitude is very unhelfpul. It's a shame because I wouldn't mind doing business w/ them again, but it's difficult when they act this way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
When trying to purchase a Mortgage Loan, they requested my Credit Report. After received by the Mortgage Bank, they notify me that the Credit Card Account is not present in the Credit Report on none of the 3 Credit Bureaus. 

I proceed to contact my Credit Card Bank ( XXXX Bank ) to verify this information and they state that the report has been submitted monthly to the Credit Bureaus. I have tried numerous times ( 15 times to be exactly in the past two weeks ) to get an answer on why none of the Credit Bureau companies have received it and they just say that they have done it ( When the Credit Bureau has not receive anything ). The Bank doesn't give me a reasonable answer or result. Do to this negligence, I have recently lost the opportunity to acquire my Mortgage Loan and lost the apartment I was hoping to purchase because that card makes me eligible with the Credit Experience needed to purchase the Mortgage Loan. After two weeks, they still don't give me a concrete answer and the Credit Bureaus still haven't receive an Activity or Existence report of my Credit Card 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 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened my account in XX/XX/XXXX and asked about the {$150.00} promotion both over the phone and in person at the branch. I was told that I needed to deposit {$1000.00} within 60 days of opening the account to qualify and stay open for 90 days. I deposited {$1000.00} on XX/XX/XXXX and I followed up and was told I qualified and I needed to wait 90 days plus 2 weeks to see it in my account. I made SURE to ask if it was ok to use XXXX otherwise I would simply come in the branch to do so with cash and was told XXXX was ok. Today XXXX XXXX XXXX I am now being told I didn't qualify because I used XXXX !

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX IS BEING REPORTED WITH {$7800.00} BALANCE. XXXX. XXXX, XXXX. MY XXXX XXXX XXXX ACCOUNT BALANCE IS {$0000.00} XXXX. MY STATEMENT CLOSE DATE IS THE XXXX OF THE MONTH. CORRECT MY XXXX XXXX XXXX ACCOUNT BALANCE TO {$0000.00} 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 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
Convergent is trying to collect a debt that I do not owe. Please send billing statements and proof of account with XXXX XXXX and the date opened and closed. This company has not validated the debt and another person was responsible and had billing statements in their name. If this is not removed from my report I will sue you in CT small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have asked Portfolio Recovery Associates for proof of debt in the way of the original documentation showing my signature or that I agreed to these credit card debts. I have only been provided statements again and again since XX/XX/XXXX and no contractual proof The last letter received from the is dated XX/XX/XXXX & XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: PA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/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 2021-01-07 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: PA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/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 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On the morning of XX/XX/2021, I spoke to representative in the claims department with Bank of America. I was calling to follow up on the status of the claim as well as speak to a supervisor in the risk closure department. I was told by the representative in the claims department that because the funds came from the Department of Treasury, I they were not able to hold my money regardless of the status of the claim nor the status of the pending closure on the account. I was then transferred to the risk department in which I requested to speak to the supervisor. I was told that they could see that the request was submitted but there was no word on the status and that the department was still closed and I was to call back within a couple of hours. Also, the representative from the risk closure department submitted another request in which he specifically stated that the funds came from the Department of Treasury. Bank of America still will not release my funds. I have spoken to four different representatives at this point, in which one was a supervisor and they have given me conflicting information. None of which I can understand. when I spoke to the second supervisor, they told me that I will be receiving a cashiers check but they do not have a time frame in which I will be receiving it.

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 2021-01-07 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-07 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have asked XXXX XXXX XXXX for proof of debt in the way of the original documentation showing my signature or that I agreed to these credit card debts. I have only been provided statements again and again since XX/XX/XXXX and no contractual proof The last letter received from the is dated XX/XX/XXXX & XX/XX/XXXX Synchrony Bank

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 2021-01-07 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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:
There are numerous accounts listed that are not related to any transactions done by me. This was a result of malpractice or an error.

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 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KeyBridge Medical Revenue Management
State: PA

Complaint narrative:
I recently checked my credit and found an account from a company called Keybridge. I do not know who they are so I wrote a letter to them to the address they reported to my credit report. I have received no mail from them yet, and I do not know why! They have verified the accounts with the credit bureaus, despite my best efforts. I believe there is some sort of mistake, I don't think I ever applied for credit with Keybridge and I do not know why they have reported to my credit. They should send me the proper validation requested or they should remove the account. They have been really troublesome to work with, and I have no way to contact them accept an address that I've sent repeated letters to! Please help 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