vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Everytime I make a payment on my capital one account they hold my payments without notices for almost 10 business days. This is every single payment. I have called capital one on this and they advised me they can do whatever they want. My last payment was on XX/XX/21 and that payment still HASNT posted to my available credit. Capital one deducted this from my external checking on XX/XX/21 and the funds cleared. However even though I have proof they deducted my account over a week ago. They still dont care. This is reflecting my account - {$5.00} however again availability of credit shows {$0.00} this means I cant use the card. Ive called multiple times asking if I can use the card for gas and they dont care. They told me I need to wait until they decide to release my payments. They also told me they can hold my payments anytime they see fit even though they received the funds. So basically capital one takes your money and then holds your money instead of applying it to your card. They never advise you their holding the payment in fact they show it posted. Which is misleading. 

In addition to that capital one shows a fraudulent checking account on my profile I never opened. It says joint and thats a lie. It has an address thats invalid and its negative. I did call about this. Since then I filed bankruptcy because the identity theft the checking account thats fraud was included which was discharged I want this account closed and my liability removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NJ

Complaint narrative:
I noticed a Account on my credit I do not recognize US BKPT CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: IL

Complaint narrative:
I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loans being forgiven. 

I logged into my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.

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 2021-07-27 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: IL

Complaint narrative:
I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loans being forgiven. 

I logged into my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loans being forgiven. 

I logged into my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.

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 2021-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NY

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FL

Complaint narrative:
Ive reached out to Equifax and Ive informed them that I had 53 inquiries that I did not authorize or recognize and they still would not remove the inquiries I also have a credit repair person that has been sending out letters with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( Date ) XX/XX/XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Last four digits of social security number : XXXX To whom it may concern, Im writing this letter to dispute the following.. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : Name : Full Address :

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 2021-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Target XXXX XXXX refuses to tell me when the account 's available credit line will reflect a large payment I made to my Target store credit card account. 

I paid {$1400.00} to my Target store credit card on XX/XX/2021 via an ACH debit to my bank account using their online payment service. The payment posted timely and reduced my outstanding balance. However, the payment did not increase the account 's available credit at the time it was posted. I understand that large payments are not always made available immediately but I want to know when the payment will be made available. 

After nine calendar days the card 's available credit still was not increased, so I sent a secure message requesting the date on which that would occur. They responded that payments are sometimes held and offered to schedule a conference call with my bank to confirm the ACH has settled. I replied, informing them that they did not answer my question and clarified the information I was looking for. In their reply, Target XXXX XXXX repeated that they sometimes hold payments, stated they are allowed by regulation to hold payments, were in the final stages of confirming the payment, and informed me the only way to make the credit line available was to schedule a conference call with my bank. They still did not answer my question. 

To be clear, I am not complaining about the length of time Target has held the payment ( although it is on the long side of being reasonable ). I am complaining about Target XXXX XXXX 's lack of transparency, arbitrary way of handling payments, and unwillingness and/or inability to answer a consumer complaint. 

My correspondence with Target XXXX XXXX is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: GA

Complaint narrative:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies. I have attached a copy of the police report & identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TX

Complaint narrative:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

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 2021-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
In XXXX XXXXI tried to refinance my home with RP Funding, I talked and email with XXXX XXXX. The deal didn't go through and he told me that I would get the {$500.00} that I paid for the appraisal back. After that, the communication stopped, I call XXXX, the company, one time one employee tried to transfer the call to XXXX 's supervisor with no luck, I sent emails and call last time when somebody said that a manager would be calling me. I still don't have my XXXX back and nobody get in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: One Technologies, LP
State: OH

Complaint narrative:
I gave personal information including SSN to this credit report website on XX/XX/2021, I am not sure if this was identity theft or not, the URL is suspicious. 

https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
This company obtained all my financial banking information including access to my bank account number, banking transactions and my debit card all before approving loan. 

They are refusing to remove my personal information from their system although I did not obtain any loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank decided to close the banking relationship but refuses to release my funds even though I have more money than the hold is for. The account has been in hold status since XX/XX/26. They refuse to release any funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My card provider has a policy of closing an account which has been inactive for a period of 24 months. My card account was closed due to inactivity, This action has dropped my credit score from XXXX to XXXX ... 
This action had nothing at all to do with non-payment or delinquency, it was simply lack of use on this card. Now I am penalized on my FICO score by a 23 point drop. I have made all of the calls necessary to address the problem, the bank card, the three credit monitoring agencies, and XXXX ... .and there is nothing that can be done. A 23 point drop seems harsh and punitive.

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 2021-07-27 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: PA

Complaint narrative:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Account Name : XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$190.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : {$400.00} Account Name : XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$400.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$250.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$590.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2500.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Fraudulent Inquires Company Name : US DEPARTMENT OF EDU Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I found a hard inquiry on my XXXX credit report on XX/XX/2021 from SunTrust DBA Lightstream, created on XX/XX/2021. I called the phone number on the report ( XXXX ) XXXX and spoke to XXXX and told her I never applied for anything with SunTrust so I don't know why they are pulling my credit report. She told me there was an application submitted and I told her it was fraudulent because I never applied for a loan with them. I asked her to please shut down the application due to fraud. She made a note of my phone call and gave me a reference number of XX/XX/2021 - XXXX. 

XXXX XXXX, I received a letter from SunTrust stating that they were researching this issue. Towards the end of XXXX, I received another letter from them saying that I applied for an unsecured line of credit on XX/XX/2021 so they could not remove the inquiry from my credit report. I called them on XX/XX/2021 at the phone number listed on the letter, ( XXXX ) XXXX and spoke to XXXX. She then told me they did not find anything to make changes and said I should speak to an 'advisor. ' They never even asked me to during their research what my actual contact information was to see if it there was a mismatch with what the fraudster submitted. They did not seem to care that I have fraud alerts on my credit reports either. I don't know how they are protecting consumers from identity theft when they are supporting criminal behavior and penalizing a consumer for being an identity theft victim.

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 2021-07-27 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: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I've tried numerous times to have Nationstar dba Mr. Cooper mortgage company update my credit report in a timely fashion. I've had to contact them every 3 months to get them to report it on time. Its still showing the last payment as XX/XX/XXXX. I need the XXXX and XXXX payment updated. Last payment {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXXXXXX is reporting inaccurate information to the Experian Credit bureau! I have sent letters in to dispute it but Experian keeps saying Verified. XXXX XXXXXXXX is reporting 120 days late for XXXX and XX/XX/2018, both months can not be 120 days late! I have asked them to remove and delete this account and they are giving me the run around by saying VERIFIED which is not what my concern is about! Credit laws ensures that credit bureaus report only 100 % accurate credit information and Experian is not!!!

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