vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am trying to purchase a house and when reviewing my credit score my lender discovered that my auto loan from Capital One is reporting late payments for the past 3 years on these following  dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX even though this auto loan was paid off in XX/XX/XXXX. I gave the Capital One representative permission to speak with my lender, Capital One was contacted at XXXX central standard time on XX/XX/XXXX in an attempt to resolve these false claims. With my lender speaking to the rep that was on the phone, he had attempted to escalate to a Manager. Rep had advised that there was no manager on site during these  business hours that can resolve this issue. It was stated by the Capital One representative at the beginning of this call that the call may be recorded and monitored. My lender asked for an audio version of the phone call. Rep asked for my phone number along with my Email address. My lender advised the rep that as of date XX/XX/XXXX by noon ( XXXX CST ) if no one is going to resolve this issue, we will file a complaint and make disputes. Capital One has made no further attempts to contact me via phone or email since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: FL

Complaint narrative:
contacted credit reporting agency regarding incorrect items reporting on my credit file and credit agency informed me that items were correct without providing any proof or how they reach that point

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: FL

Complaint narrative:
contacted credit reporting agency regarding incorrect items reporting on my credit file and credit agency informed me that items were correct without providing any proof or how they reach that point

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
MACYS/DSNB XXXX XXXX XXXX XXXX, OH, XXXX XXXX FTC - Affidavit issued on XX/XX/2020 with letter suggested from FTC website. Company does not send any information requested regarding the validity of this debt. Company does not delete information from my credit. 

Here the information requested on the letter. 

Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft  victim documents related to an account if the victim asks. 

Please send me copies of all records relating to the account, including : Account applications made on paper, online or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators 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 2020-06-18 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$1800.00} XXXX XXXX {$2000.00} XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
All three credit reports have not been updated for 10 years. My information was sold by XXXX XXXX back in 2016 a lock/freeze was done to my credit and paid for by Equifax for a period of one year. I never set anything up it was all done by them. I can not change or update ANY of MY OWN information because I don't have a log in to do it. I have contacted all Three by mail several times threw the years, I have tried emailing them, and I have tried calling. I have gotten no response from any of them and their customer service line is automated crap that has nothing to do with what is going on and no real way of talking to a real person. I have NO CREDIT and the information that is on my reports like I stated before are approx. XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I called in like the app says - I lost my job end of XXXX due to covid 19 of 16 years.

Currently on unemployment and welfare. 

I contacted them after my bank was closed that had auto payments come out because of the hardship. 

I paid the balances in full for both my accounts minus a {$16.00} late fee from XX/XX/XXXX that was seen on XX/XX/XXXX as I have been dealing with being out of a job my finances are not there like they were and I completely forgot the cards were due on different days. Despite my other account being due on XX/XX/XXXX and me paying that in full as well on XX/XX/XXXX they claim they can not help me with a {$16.00} late fee. What kind of forgiveness or helping teh customer during covid is this. Not willing to waive a {$16.00} late fee being not even 3 days late. Seriously I explained to them I lost my job they were willing to help with nothing - I explained the bank account where auto payments were set up prior to losing job was closed and therefore the auto payments had stopped. Again there is nothing owed on either account now besides teh {$16.00} late fee. I had to borrow money to make them their payments today and that was just to satisfy the balance owed minus that one late fee. I can not understand how losing job due to covid and them not allowing us to go back to work during that time and them not willing to waive the late fee ( s ) associated with the hardship. Its extremely frustrating. The old man I spoke with was very unhelpful! ( SENIOR ACCOUNT EXEC ) he states. Yet I called about covid and my job being lost like it says and they did nothing. Not willing to waive a XXXX $ late fee this is unbelievable. I can't believe a company in their position would be partaking in these types of actions that would lead people to want to file bankruptcy over this type of thing. Also the wait times to speak to someone are insane they are in upwards of 30 minutes or over an hour to get a hold of someone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
There are inquiries from ALLY FINANCIAL ( XX/XX/2020 ), XXXX/XXXX  ( XX/XX/2020 ), & XXXX XXXX  XXXX ( XX/XX/2020 ) that I do not recognize nor did I authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I have about three student loan accounts open that at the time were with Heartland ECSI or ECSI as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted Heartland ECSI about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted Heartland and its sister company Heartland Federal countless times in the last few weeks to correct the error and they keep passing me around to one another. ECSI tell me to talk to Heartland Fed, Heartland Fed or FSA told me that I need to submit documentation. ECSI has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX   on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity/XXXX : I was never late on this account. I have not received a notice telling me that I was late as these payments were paid online. Please remove these lates from my credit file as these were always paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: MIDWEST EQUITY MORTGAGE, LLC
State: IL

Complaint narrative:
When I first decided to try to get pre-qualified for a loan I looked online at loan companies. ONE time I gave my email address and all of a sudden I had several companies emailing me about a loan. I immediately unsubscribed from every one of them and where I could I typed a message that was very clear that I was no longer in the market and that I had unsubscribed and not to call me or email me again.

But now I've had six ( 6 ) companies that keep hitting my credit report and I've never spoken to any of them. They are : ( XXXX ) XXXX ) - XXXX/Midwest Equity, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ; ( XXXX ) XXXX ) - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DE, XXXX ; ( XXXX ) XXXX ) - ( XXXX : XXXX ) - XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, IN XXXX ; ( XXXX ) XXXX ) - XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IA XXXX ; - XXXX XXXX XXXX , XXXX XXXX XXXX., XXXX, WI XXXX ; and - Celebrity Home Loans, XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are inquiries from XXXX XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), & BK OF AMER XXXX XX/XX/2020 ) that I do not recognize nor did I authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
There are inquiries from XXXX XXXX ( XX/XX/2020 ), COMENITYBANK/VICTORIA ( XX/XX/2020 ), & XXXX XXXX XXXX XXXX XX/XX/2020 ) that I do not recognize nor did I authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
We applied for refinancing with Quicken Loans back on XX/XX/2020. We uploaded every document in a timely manner and yet it has been over 3 months and they are still not able to close our refinancing. QL keep asking us to update same documents such as paystubs over and over again because it becomes unusable after 30 days. All of a sudden our agreed amount for our mortgage jumped up XXXX more. Thats when we were about to walk-away they assigned us " Executive Solution Consultant '' then he fixed it back to the agreed number but yet the numbers are keep going back up and they are not willing to explain to us where they are coming from. On top of it our Solution Consultant went on a vacation and we have not been able to get any of our questions answered. We have been pushed around 3+ people to figure out how and why our numbers have been changing. On top of it, they keep asking us to provide an Asset Account Liquidation, which refers to my retirement 401k account where there were no liquidation was done. They were simply having a hard time understanding the " Change in Value '' column the statement represents stock market fluctuation. They keep coming with back with same question so I had to ask my 401k provider to write a letter explaining what " change in value '' means to them. These people are supposed to know these things. They kept removing important documentation after we complained, and explaining it on the phone incorrectly, giving us nothing to reference. Lastly, we reached out to the CEO through email asking for help. After that we got a mystery phone call set-up. When we asked who it will be with, got no answer. So we waited 2 weeks for the call and the day of the call and the time that was set-up by the company. No body called! It's XX/XX/2020 and our refinancing is still not closed.Now they added " the loan is currently set up to give you approximately {$1900.00} in cash back at closing '' This is something we never asked or requested. They keep trying to add things to raise our total amount of our loan so they can get more interest rate from it. This whole process caused a lot of anxiety and stress in our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX  XXXX XXXX {$1400.00} XXXX XXXX XXXX {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX  XXXX XXXX {$1400.00} XXXX XXXX XXXX {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$1800.00} XXXX XXXX {$2000.00} XXXX XXXX {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$1800.00} XXXX XXXX {$2000.00} XXXX XXXX {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: WAFD BANK
State: CA

Complaint narrative:
I was attempting to refinance my home, when the Loan officer pulled my credit and advised my of this collection/foreclosure on my account. I have never owned a home until XX/XX/2019 and I have never had a mortgage with Washington Federal Savings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection
State: TN

Complaint narrative:
I setup an alarm service with third party dealer XXXX who worked with XXXX XXXX back in XXXX. Completed contracted time as of XX/XX/XXXX with written letter. the issue came XX/XX/XXXX when XXXX XXXX stated I owed a debt of XXXX. I never recvd any info from XXXX XXXX  states I owed them from XX/XX/XXXX to XX/XX/XXXX. However, they stated thats when the collection begin for approx XXXX on XX/XX/XXXX. XXXX XXXX  or perfection collection the debt collect stated ( reaged the debt to state the collection begin XX/XX/XXXX which is incorrect. This company has perform Financial defermation of my character. not to mention has commitment an illegal act on me. I have spoken with XXXX  who states the debt is approx 233 and the date the collection started was XX/XX/XXXX. eventhough I have never owe the debt to begin with it is now out of the statue of limitation of 7 years and MUST BE REMOVED

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2020 cash app closed my account because too much money was sent. They are holding on to XXXX dollars. It tells me to cash out but they wont allow it. Theres no way of speaking to someone only reading what they suggest you do but that also doesnt work. I would like to know I can get my money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
I decided to pull my credit because every single tme I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$610.00}

Company response to consumer: Closed with explanation