vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-21 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: CL Holdings LLC
State: MI

Complaint narrative:
Hello, I have repeatedly disputed a fraudulent charged off account that is showing on my credit reports. As soon as my wallet was lost, I immediately contacted all my cards and canceled them and when I begin to see fraudulent accounts showing up on my credit report I contacted the police. I have worked very hard for my stellar credit, however I can't seem to get this inaccurate information removed permanently from my report. This company has an account that is fraudulent and they are reporting it as if it was mines. I have tried everything, but they still will not do whats right. 

This company is bullying me and tarnishing my credit even after Ive pleaded with them to seek the truth and do the right thing and remove this fraudulent charge off of my account and stop reporting it to the three major bureaus. Please help me. The next step is legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: PA

Complaint narrative:
I began XXXX XXXX  XXXX in XX/XX/XXXX. Since then I have completed over XXXXXXXX XXXX, and continue to maintain a 5 star rating. My annual background reviews were returned of course without issue. XXXX was so impressed with my performance I was offered a job at the hub in XXXX. 
So I am sure you can imagine my shock whenever I received the email stating my application to XXXX XXXX is denied! Well that shut off my access to the app so I couldnt call in. I couldnt get through to checkr about the situation. When they would reply to the emails., XXXX would say we do not look at the report. We take the recommendation from checkr and base our decision on that. Checkr would say we do not make the determinations in eligibility we simply run the report and then hand it over to the company who requested it. 
After a month of this ping pong battle XXXX was like you have to dispute it with XXXX. I did. And after another 2 weeks the letter read there is an issue on your driving record making you oneligible to be a XXXXXXXX XXXX! I have known what gour letter report says. Another week goes by we have researched the issue and determine it to be a valid infraction we consider this case closed. Please respond if you disagree. 
Yes, I do. I just want to know the answer to this question. 
If I have been driving XXXX for over 3 years since XXXX with my previous chrckr driving accounts being free and clear How is it now there is an issue from XX/XX/XXXX making me ineligible? I am just trying to find the answer to that question yet I cant receive it and in the meantime. I am still banned from the XXXX XXXX platform!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX I have a prepaid Bank of America debit card through EDD I filed a claim with fraudulent charges sold XXXX and some change the claim was found in my favor 100 % the letter received says that my deposit will be permanent not provisional and that it shall be deposited immediately I filed the complaint XX/XX/XXXX it was resolved in my favorite XX/XX/XXXX this is all in 2021 today XX/XX/XXXX I have yet to receive the immediate deposit Bank of America associates seen not to know why I have no answers for me and will not transfer me to authority who can have my funds put into my account they have lied to me on numerous occasions that there's no superiors that there's no management they have told me three working days days after it was resolved my friends should be deposited they have not here now XX/XX/2021 they have no more access to my account so they say they can get their story straight all I want is the money that is due to me and they can not provide that to me at all whatsoever with no answers at all whatsoever I was under the assumption that immediate meant immediately like right away but evidently they don't know the meaning of the word immediate I have yet to receive any funds the customer service is horrible they talk over me they don't listen to me they think of every excuse but pay 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 monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Bureau, Inc.
State: SC

Complaint narrative:
I first heard from Merchants Credit Bureau , Inc. from a letter dated XX/XX/XXXX which stated I have a balanced owed of {$8300.00} and it was due immediately. I have no knowledge of any balance due to XXXX XXXX XXXX, so I sent a debt verification letter via Certified Mail to address this letter. Now I have received a new letter dated XX/XX/XXXX with a new balance due of {$7000.00} stating XXXX in debt with XXXX in interest and XXXX in attorney fees. Included in the letter is a copy of my previous lease that ended XX/XX/XXXX. There is no verification of what is actually owed and why it is owed. The amount due is changing and the company is failing to provide me with documentation for the charges. They have put it on my credit report that I owe XXXX which is highly incorrect and damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: PA

Complaint narrative:
XXXX is claiming that I owe them {$830.00}. They were contacted and notified that I was a victim of identity theft. I ask for documentation with my signature authorizing the opening of this account or connecting me to this debt. After months of request - they have yet to provide these documents however they are still reporting this inaccurate information to the credit bureaus. Experian continues to verify the account but provide no proof on how they are verifying this account. Attached is the document XXXX XXXX sent me - as verification. There is no signature. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY. I AM NOT A CREDIT REPAIR COMPANY.

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 2021-08-21 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: VA

Complaint narrative:
I did not authorize a credit pull on XX/XX/2021 from XXXX XXXX XXXX XXXX. They pulled my credit without my consent.

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 2021-08-21 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: COMMERCE BANK
State: AR

Complaint narrative:
THE COOMERCE BANK ACCOUNT WAS XXXX IN XXXX XXXX BK ON XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX are claiming I had an account and I never heard of them

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 2021-08-21 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:
Hi, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am in the process of buying a house and can not do that and provide for my family with these inaccurate accounts on my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions it at it again. My account was low so i stopped using it for a few days. Regions seems to be re arranging charges/transactions in order to elicit NSF Fees. When I go to bed my account is green. When I wake up it's in the red plus overdraft fee. This is not the first or second time. Charges that have already cleared will show as pending in a few days.

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 2021-08-21 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX. The provided address and phone number listed above is False information and several certified letters were sent to all parties, explained during XXXX XXXX. 

2. The account was paid in full by the VA department due to military service-connected. 

3. After a serval telephone conversation with the parties : Experian, XXXX, and the damage caused by The U.S. Treasury wrongfully Offset from XX/XX/XXXX - XX/XX/XXXX, in a total of ( 9 ) overpayments = {$1500.00} ( which is beyond the initial payment of {$1100.00} ) 4. A few certified letters were sent to notify them of their wrongfully neglected, and nothing was done by them. 

5. The attorney initiated litigation in Federal XXXX Court, for punitive damage.

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 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing as I feel I have been incorrectly denied for services with AMEX and they are unwilling to escalate to the appropriate team. On XX/XX/21, I applied for the AMEX XXXX gold credit card with a nearly perfect credit score, very low debt to income, great credit history, no late payments, a substantial salary etc. Once I submitted my application, it was immediately declined using their automated decisioning system. In total shock, I called to inquire and was told by the customer service agent that although my credit profile was very clean, within the past 1.5 years too many credit cards have been closed, which resulted in the denial. I explained this was not the case and was told by the agent to contact XXXX. This is totally unacceptable being AMEX pulled my credit profile and have a copy of my report that could be reviewed for accuracy. Being I work in the financial industry, I requested to have my application manually reviewed by underwriting and was told no, the system will not allow me to resubmit for second review. Frustrated with this reply, I requested to speak to a manager and was informed one was not available and would return my call within 3-4 hours ; never heard anything. I feel this decision is inaccurate as I have not personally closed any credit cards within the last 1.5 years and expect a valid reason to not approve my application. Credit cards being closed by a creditor for inactivity should never impact a credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: FL

Complaint narrative:
I am currently enrolled in the Public Service Loan Forgiveness ( PSLF ) program. I have submitted my employment certification ( have worked at the same XXXX XXXX XXXX XXXX XXXX as XXXX XXXX for over 6 years ) and been rejected as I recently submitted for an updated count of my qualified payments. The last payments that were certified were from XX/XX/2020 though my employment remains current. The last time my employment was recertified was as a result of a similar complaint I have lodged with the CFPB which calculated only through XX/XX/2020. This is a recurring issue for Fed Loan Servicing. I demand my employment be certified as myself and my employer have been instructed using the tools and existing submissions of employment certification that we have made. The direct instruction and support given to us by the FedLoan Servicing working on behalf of the Dept of Education is inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to display gross incompetence relative to XXXX and XXXX. My XXXX XXXX credit card which is over 2 years old and has a XXXX  balance is being falsely reported as closed by the creditor on my Equifax credit report. Only Equifax is committing this reporting error!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
THE XXXX XXXX  ACCOUNT WAS XXXX IN XXXX XXXX BK ON XX/XX/2021

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 2021-08-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
THE XXXX XXXX  ACCOUNT WAS XXXX IN XXXX XXXX BK ON XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I've made payments for this store card consecutively now I go on the app and the cards closed. Whenever I called the rep told me there was 2 payments that were returned. No payments were returned I used bill pay and it reflects my bank statement so I'm not sure what's going on. You application also sucks you can't see transaction history and it takes forever for a payment to post.

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 2021-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: NY

Complaint narrative:
I asked XXXX Mohela to defer my student loan payments for three months as a hardship in repaying my loans. Note my monthly payments are {$1300.00} per month. My husband is not working and has XXXX and we are now in the mist of mounting medical debt. I asked XXXX to defer just so that I can his doctors the {$6000.00} owed. Instead XXXX said no and raised my fix rate from 5.99 % to 6.79 %. I think this is unethical and outrageous. The FED gov is forgiving tens of thousand in student loan debt, you would like these private companies would do something similar or work with the consumer. Please investigate and I am hoping there is something that can be done. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I used XXXX as the promo code and opened the checking account under the terms below at capitalone.com. 

The terms : Open a 360 Checking account between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. 
Receive at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. 
This account is subject to approval. This offer can not be combined with any other 360 Checking account opening offers. Only one promotional code is accepted. Bonus is only valid for one new 360 Checking account. 
If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them I fully fulfilled the terms but never received my {$400.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing as I feel I have been incorrectly denied for services with AMEX and they are unwilling to escalate to the appropriate team. On XX/XX/21, I applied for the AMEX rose gold credit card with a nearly perfect credit score, very low debt to income, great credit history, no late payments, a substantial salary etc. Once I submitted my application, it was immediately declined using their automated decisioning system. In total shock, I called to inquire and was told by the customer service agent that although my credit profile was very clean, within the past 1.5 years too many credit cards have been closed, which resulted in the denial. I explained this was not the case and was told by the agent to contact XXXX. This is totally unacceptable being AMEX pulled my credit profile and have a copy of my report that could be reviewed for accuracy. Being I work in the financial industry, I requested to have my application manually reviewed by underwriting and was told no, the system will not allow me to resubmit for second review. Frustrated with this reply, I requested to speak to a manager and was informed one was not available and would return my call within 3-4 hours ; never heard anything. I feel this decision is inaccurate as I have not personally closed any credit cards within the last 1.5 years and expect a valid reason to not approve my application. Credit cards being closed by a creditor for inactivity should never impact a credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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:
Please find the attached letter, XXXX label and fraud alert that I put on my account once I learned that an account was open with XXXX. I have contacted them over and over to be told this account would not negatively impact me or my credit. I was told there are notes on my account and to disregard any letters. I was told they could not send me any confirmation due to me advising that this account was not mine. I need this cleared from my account immediately I am attempting to get a house loan and this is impacting 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 non-monetary relief
Consumer complaint received 2021-08-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Please find the attached letter, XXXX label and fraud alert that I put on my account once I learned that an account was open with USAA. I have contacted them over and over to be told this account would not negatively impact me or my credit. I was told there are notes on my account and to disregard any letters. I was told they could not send me any confirmation due to me advising that this account was not mine. I need this cleared from my account immediately I am attempting to get a house loan and this is impacting me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation