vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 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: OK

Complaint narrative:
I was a victim of identity theft and did not realize this until I received an alert. I have since filed a police report and disputed this information with the bureaus and have had this removed from all other bureaus. However, TransUnion has declined my attempts and claim that this has been verified but yet has not provided any proof of to show where they have verified through the physical verification of the original signed consumer contract. I also demand to exercise my right pursuant of 15 USC 1681 ( a ) under section ( b ) where it states that anything that was extended or authorized for a credit card should be excluded from my credit report. This should not be reporting on my credit and is unfair that I have been put through so much to have this inaccurate account removed. Specially being that a police report has already been filed. I spoke to several agents and have sent letters in regards to this inaccuracy with no success.

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 2021-07-06 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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have spoke to multiple branch manager of the years at Suntrust. I was never late on my mortgage. they reported I was late when they failed to electronically withdraw the payment from my online savings account. Please have them provide statements to show the monies were in the account to pay the mortgage,.

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 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Although I had a free college account, Citibank forced switched my account while I was still attending college to an account which had multiple hidden requirements ( minimum balance, etc ). They acted predatorily amidst a global pandemic. I had the account open for stimulus money ( with a very low balance, which eventually turned into an over - {$100.00} balance due to minimum balance fees, and excessive charges, that were not authorized or recognized until much later. There were multiple moments when I could not even sign into the application they were forcing me to use. I was in XXXX XXXX school. To make matters worse bank locations in XXXX area closed, limits were placed on depositing/withdrawing cash, and customer service essentially was nonexistent as it was esseintially converted to automated bots and an app that was not only not secure but quasi functional. 

After several attempts and greater than 100 hours to settle with the bank to come to an understanding they went ahead and closed my account in spring of 2021 just weeks before the second stimulus was sent. This damaged my credit and is shown on my report. The bank took clear advantage of me during the crisis. I am seeking for this account to be reopened and that my credit report be corrected to reflect these atrocities. This is a clear example of predatory banking practices and should be rectified as I was a very vulnerable person ( XXXX XXXX XXXX XXXX XXXX XXXX ). If it helps, I was considered to live in an area which was declared a state of emergency. XXXX California in 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 2021-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello there are several unauthorized credit inquiries on my account that I have yet to have verified to be authorized by myself. Many of which are not attached to accounts. 

I am not sure if this was due to data merges as a result of the data breaches or something else. In applying for an auto loan, I only wanted one bank to be reached not several. Also with any bank 's the same applies. Everything else is there with no confirmation of it being mine which Is a problem for me. Please ask bureaus why they consistently seem to break the law when I have yet to see even a contract. 

Per New Credit Act of 2020 section 401 derogatory items need to have agreements or contracts authorized by myself which none of these have. The bureaus refuse to comply with the law. 

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 2021-07-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello there are several unauthorized credit inquiries on my account that I have yet to have verified to be authorized by myself. Many of which are not attached to accounts. 

I am not sure if this was due to data merges as a result of the data breaches or something else. In applying for an auto loan, I only wanted one bank to be reached not several. Also with any bank 's the same applies. Everything else is there with no confirmation of it being mine which Is a problem for me. Please ask bureaus why they consistently seem to break the law when I have yet to see even a contract.

Per New Credit Act of 2020 section 401 derogatory items need to have agreements or contracts authorized by myself which none of these have. The bureaus refuse to comply with the law. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I rented a car from XXXX in early XX/XX/2021 using a voucher for a free rental car. Since then XXXX has continually made recurring charges on my card in the amount of the rental, as well as for a repair which never took place as there was no damage. This has occurred at least three times since then and once again XXXX has charged {$220.00} onto my Barclaycard which I have disputed. I want to know how they keep charging my card for this and I want them to cease and desist.

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 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I was contacted by NewRez in late XXXX XX/XX/2021 to refi an existing loan serviced by them. In 28 years of residential and investment real estate transaction experience, I have never dealt with such an unprofessional company. For over 2 months now, they have strung me along, wasted my time, not followed up, assigned me to a couple of underwriters who were unfamiliar with the application, and delayed processing. I have responded to multi requests for the same uploaded document. NewRez has shown no professional integrity in customer relations. I received only promises of follow-ups from underwriting but no meaningful follow-up ever occurred. Trying to speak with underwriting is impossible. To this date, the application is still not fully processed. The whole awful experience makes no sense. They are an embarrassment to the real estate industry. If I could have reviewed them with negative stars I would. NewRez should be investigated for inappropriate customer business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Mercedes Benz Financial Services
State: CT

Complaint narrative:
I have these inquiries that does bot belong to me and i want them to be remove from my credit report. 

XXXX 1. Identity Theft XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft MB FIN SVCS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Bank Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX. 
Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Avantus, LLC
State: CT

Complaint narrative:
I have these inquiries that does bot belong to me and i want them to be remove from my credit report. 

XXXX  1. Identity Theft XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX  Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX. 
Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft AVANTUS LLC Account Number : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA

Complaint narrative:
Bank of New York Mellow filed judgment XXXX against us even though we had already filed Chapter XXXX and loan was discharged XX/XX/XXXX by XXXX XXXX XXXX United States Bankruptcy Judge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
I made a recent deposit ot {$5000.00} on XX/XX/2021 With Binance.US  - The American arm of Binance. At the time it went through fine. I made Bitcoin purchases with those funds. I got an email pn XX/XX/2021 saying that the deposit was returned and I have an outstanding balance and that i need to deposit the funds or else get liquidated for the amount ( XXXX  : XXXX, XXXX  : XXXX ). I tried to deposit a smaller amount {$2500.00}, but got an error. They said to submit a ticket with their requested information - a video with my name and date, a pdf of my bank account, etc per their email on XX/XX/2021 XXXX : XXXX, XXXX  : XXXX ). I submitted all the info on ticket # XXXX I got an automated response to try to add another payment method ( XXXX  : XXXX ). This didnt work. Subsequent attempts to add funds failed ( XXXX : XXXX ). This has NEVER happened before. I want them to liquidate the XXXX so i can remove the rest of my money off their exchange asap. 
Its not okay for them to keep money, and offer no customer service report and remediating the problem. I have successfully transferred money on this exchange for months. I dont know why this deposit was returned, adn all subsequent deposits.I sent proof of who i was as well as a bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I made a {$7000.00} payment on XX/XX/2021 to BMW Financial Services and trying to pay off my leased car. The pay off quote as of XX/XX/2021 was {$42000.00} and after the payment of the {$7000.00} I waited 3 days and the online account shows the payment was received and account has a negative balance - {$7800.00} but it shows the pay off quote is {$42000.00}. I have called BMW financial services 5 times and they keep running me around and not helping to correct the pay off balance and they are refusing to give me credit for my {$7000.00} payment and give me a correct pay off quote in writing so I can pay off my car and release the title. They are horrible and unethical and are withholding my money and refusing to let me pay off my car. This is unethical and illegal both! 


Account XXXX XXXX thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a call from Compass Bank BBVA regarding a past due payment on my account. I scheduled a payment to pay the balance in full on my credit card, {$1000.00}, on XX/XX/XXXX using the Compass App. I had transferred {$1000.00} from my checking account at XXXX to Compass Bank on XX/XX/XXXX in order to make the {$1000.00} payment on XX/XX/XXXX. When I talked to the customer service representative on XX/XX/XXXX, he indicated the payment was never received and that it was likely a bank error. As a result he waived the late payment fee and processed the {$1000.00} payment. 

On XX/XX/XXXX, three days after my credit card payment was due on XX/XX/XXXX, Compass BBVA reduced my credit line from {$9200.00} to {$1100.00}. I explained to the customer service rep that I wanted my credit line restored to the {$9200.00} because 1 ) the missed payment was the result of a bank error and 2 ) the payment was only 3 days past due. He assured me he would submit a courtesy request to have the credit line restored. I have contacted Compass twice more since that time to inquire about my credit line. Each time I am told it is under investigation. 

I have had my credit card with Compass Bank since XX/XX/XXXX and have never once missed a payment. In fact, I rarely use the credit card. Prior to the {$1000.00} charge I made in XX/XX/XXXX, the account had not been used since XX/XX/XXXX. Further, the payment, again which was late due to no fault of my own, was only three days past due. As a result of the Compass lowering my credit line, my credit score dropped several points, effecting my debt to income ratio and credit utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello, for several months/rounds I've been submitting complaints to the credit bureaus regarding the following information : unverified derogatory items. 

Per Sec. 401. Of The Credit Act of 2020 Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. DEROGATORY info is to be removed. 

Collection : XXXX No Contract / Agreement Account numberXXXX {$5000.00} There's also an unauthorized INQUIRIES SUCH AS XXXX XXXX XXXX XX/XX/2020 never authorized this inquiry, amongst others. 

Also The law also speaks to correcting/updating student loan data as this is also not to be held against me. Please ask bureaus to update these and also " late '' payments as I dont show receipt of late payments on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: TN

Complaint narrative:
The doctors office that charged off this debt did so knowing the insurance company covered the cost. This office has a long history of not submitting to insurance improperly then billing the patient as well. After receiving the amount from the insurance company they still tried to charge the patient. Several attempts have been made to fix this error, the office clerk even acknowledged insurance had paid it but yet still tried to charge. If this isn't immediately deleted from my credit we will file suit. Not only against the original company but against this collection agency for a direct violation of HIPAA laws by obtaining medical records without patient consent. The also falsely reported to the agency that it was " affected by natural disaster debt, this is not something we claimed or filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/20 I purchased {$520.00} worth of XXXX XXXX  via a website. When I tried to reach the company to receive shipping confirmation, I found out that the website was fraudulent. I immediately contacted the Bank issuing the credit card and disputed the charge. After a good amount of time passed, I received notice from the credit card company that my dispute could not be resolved could because the seller had provided tracking information. I later received a key chain from XXXX which has almost no value. 
I provided this information to the Card Issuer and was told a new dispute would be filed and the charges would be removed from my account. Once again I received a form letter from the Card Issuer saying my dispute could not be resolved because the item ( Key Chain ) was still in my possession. I have disputed this several times and was told each time that it would be resolved, only to receive the same form letter from the Issuer.

I am a victim of fraud and the bank refuses to do anything further to 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 monetary relief
Consumer complaint received 2021-07-06 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:
Around 2001 I assisted to XXXX XXXX XXXX in XXXX XXXX. I paid a portion of my education monthly. However when I log in with my social security number to my federal account someone elses name appears on my account. I asked on many occasions for this to be investigated without results. Apparently someone else used my social security number to pay for their education. I have contacted all credit bureaus with pertinent proof and nothing has been investigated. This is affecting me in all ways posible on my personal life. The school I attended closed permanently and I have not received any help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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:
Around 2001 I assisted to XXXX XXXX XXXX in XXXX XXXX. I paid a portion of my education monthly. However when I log in with my social security number to my federal account someone elses name appears on my account. I asked on many occasions for this to be investigated without results. Apparently someone else used my social security number to pay for their education. I have contacted all credit bureaus with pertinent proof and nothing has been investigated. This is affecting me in all ways posible on my personal life. The school I attended closed permanently and I have not received any help from anyone.

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 2021-07-06 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MA

Complaint narrative:
Why is XXXX  and Trans Union so off with reporting? XXXX I find pretty accurate. The other to reporting are way off and causing low credit scores. I dont know why they are so late in reporting accurate information when XXXX seems to not have this problem.

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