vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This credit reporting agency keeps reinserting this false collection account from XXXX amount {$XXXX} on my credit report this same account has already been disputed and deleted two other times and it keeps coming back, I think I may need to seek legal advice. I have already contacted them about it is still on my credit 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 non-monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/XXXX I sent a XXXX dollar payment to my Paypal credit account. Unexpectedly a great portion of these funds were applied to a " XXXX equal payment purchase '' rather then to my purchases which had either interest or deferred interest. I have called, chatted and emailed with PayPal to attempt to reallocate the payment, but this has not been done despite assurances that it would be completed.

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 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
i have had a mortgage with PENFED for approx 4 years- in spring i received a note that my insurance had lapsed and that the mort company had secured a policy and aded to my escrow i called to advise them that i indeed had insurance and apparently there had been a lapse of apron 2 months as my insurer stopped covering florida - my agent didn't notify me - as soon as i became aware i called and got new insurance and advised penfed in may my mortgage payment suddenly shot up XXXX month- i spoke ww the company advised what happened and they supposedly fixed the account i today received a letter saying my account was delinquent when i spoke w the penfed rep i was informed that it was because i had no insurance i went through the same call explaining i in fact XXXX have insurance and asked to speak w a supervisor nobody has called me back i do not want this damaging my credit report and i want any late fees credited back please advise

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 2021-09-28 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:
This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under Equifax XXXX XXXX, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Moreover, they've violated my consumer rights ; specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Specialized Loan Servicing Holdings LLC
State: AR

Complaint narrative:
I recently received letter from Specialized Loan Servicing. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through XXXX, XXXX and XXXX that causing my credit scores not to increase.

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 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
My husband and I received a letter from our loan holder, Rocket Mortgage, on XX/XX/XXXX, in which they indicate our property is now located in a Special Flood Hazard Area. I called them to explain that our house is some 50 feet or more above the flood zone, to which they explained that they had nothing to do with this, and that we must work through FEMA to revise the assessment. 

On XX/XX/2021, I submitted the request for a revision to FEMA, at which time I learned that the process may take up to 60 days to complete. I therefore contacted Rocket Mortgage asking them to extend their 45 day window to 60 days, but they declined, citing XXXX XXXX XXXXXXXXXXXX XXXX XXXX. My reading of this rule is that the 45 day window is a minimum. The rule says, " at least '', which does not mean, " at most ''. 

I have contacted them again and asked them for this extension. Moreover, I believe they are perfectly capable of revising their own internal documents without the assistance of FEMA because my documentation ( including USGA topographical maps, certified surveyor 's maps, XXXX XXXX photos, and my own photos of the land ) shows clearly, without any question, that the house is not even close to a flood zone. 

I have the emails, maps, and photos if you need them. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company : Syncb/aevisa ( Bank ) XX/XX/2021 XXXX XXXX ( Automotive ) XX/XX/2021 XXXX  ( Finance ) XX/XX/2021 I asked them if I could get an estimate on how much the price of the vehicle would be if my credit is around XXXX. They gave me an estimate of the car but I didnt even know that they did a hard inquiry on my credit until now. I never gave them permission to check my hard credit score and they never told me that they would be checking my hard credit score because if they did I would of asked them not to. The whole time I was lead to believe that they generated a good price on what the vehicle might cost using the FICO score provided by my bank XXXX XXXX and other information I gave to them. All the other banks and finance companies they used I have no information about and would like to take them off as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: U.S. BANCORP
State: AZ

Complaint narrative:
I have an fraudulent inquiry on my account from US Bank and XXXX is taking no action to help remove this. I've reported this to US Bank and have no reply. I need this inquiry removed now.

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 2021-09-28 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: LA

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 2021-09-28 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: GA

Complaint narrative:
This credit reporting agency keeps reinserting this false collection account from XXXX amount {$1100.00} on my credit report this same account has already been disputed and deleted two other times and it keeps coming back, I think I may need to seek legal advice. I have already contacted them about it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I opened up an account with Simple bank in XXXX. In XXXX of this year, Simple closed and transferred my account to BBVA. I never received a BBVA debit card, so I planned to close this account and stopped funding it. 

On XX/XX/XXXX, I called BBVA support and was told that I could not close the account because there was a positive balance of {$7.00} and change. I asked for a check, and told this was not possible, but instead I needed to withdraw or spend the money. I don't have a debit card and there are no locations near me. 

I called back in early XXXX and was moved between 3 departments over 90 minutes and then hung up on. I called back, was told I wouldn't be disconnected, and was hung up on. 

On XX/XX/XXXX, I received a notice that I owed XXXX  NSF fees, totaling over {$1200.00}. I called and was told I still can't close out the account because it is not a XXXX balance. The NSF fees were tied to XXXX transactions from weeks prior because I didn't change my back-up bank account. Please note that with Simple I did not have OD protection or ANY type of NSF fees. I never consented to OD protection/fees with BBVA. If provided the choice ( I wasn't ) I would've declined and allowed the transactions to decline. 

I called BBVA again on XX/XX/XXXX. I told them I want the account frozen and closed, and that I do not plan to pay these predatory NSF fees on an account I never wanted, for a service ( OD protection ) I never wanted, and for an account I had tried to close more than a month prior and was denied. The complaint has been escalated to Corporate as the agent I spoke with had no power to address the complaint directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
A collection company is charging me and reporting an account to my credit report that is not mine is affecting my credit, without having proof that it is me, please, I need help. 


collection company is : CREDIT COLLECTION SERV ORIGINAL CREDITOR : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: MA

Complaint narrative:
This is a fraud account from XXXX XXXX were my information was used to open a account and eventually charged off. I have tried to dispute this account with all 3 credit bureaus who claimed they have investigated with creditor and verified information was accurate, which is untrue. I asked for proof showing I open account, but never received documentation showing I authorized or signed any documents. This has caused my credit report and score to be affected. This is account was open fraudulently under my personal information!

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 2021-09-28 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: MI

Complaint narrative:
Experian have reported that I have used 20.29 % when it is 0.0 % of my credit limit and that is not true and i have them and they refuse to correct the information and the make my rating a risk factor. It is very important that my information is reported correctly.

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 2021-09-28 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
American Credit acceptance has my car loan and they are reporting the incorrect balance information on my car loan to my credit. I have ask them twice XX/XX/21 and XX/XX/21 to send me a copy of my payment history, American Credit acceptance has not sent the information request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: AZ

Complaint narrative:
I have an fraudulent inquiry on my account from XXXX XXXX  and Transunion is taking no action to help remove this. I've reported this to XXXX XXXX  and have no reply. I need this inquiry removed now.

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 2021-09-28 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs Apple. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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:
I have reached out to the Credit Bureaus regarding false and fraudulent non authorized inquiries on my credit report to be removed. I sent them mail and they said they did received the mail but did not need to respond because i needed a letter from you all to prove that it was fraud and they will remove them. I sent the letter in XXXX and they said they received it XX/XX/XXXX. 
!. XXXX XXXX XX/XX/XXXX Was not authorized by myself. XXXX XXXX XXXX XXXX  XXXX Ohio XXXX 2 & 3. XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX XXXX  XXXX  inquiry requested on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX None of these inquiries were made by me and XXXX, and Experian are saying that i need to file a report with you all to prove that it was not from 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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called transunion on today XX/XX/XXXX and spoke with a lady. XXXX agreed that 2 inquiries did come off of my credit report however she does not know why my credit score has not moved. This is hinder my attempt to get positive credit and the fact that they can not give an explanation as to why it has not moved my credit score up does not make sense. 2 inquiires came off of my credit report. One from XX/XX/XXXX from XXXX and another from XX/XX/XXXX 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 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/2020 and XX/XX/2020 due to Covid 19 the government shut down the country and many states shutdown too. At the time Capital One would only take my payment via phone with a debt card or credit card, I was unable to get through to anyone on the phone due to no one working or limited staffing issues at Capital One the phone lines were left unanswered resulting in late payments being made on my account. I have asked on numerous occasions for Capital One to remove the late payments to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: MA

Complaint narrative:
This is a fraud account from XXXX XXXX were my information was used to open a account and eventually charged off. I have tried to dispute this account with all 3 credit bureaus who claimed they have investigated with creditor and verified information was accurate, which is untrue. I asked for proof showing I open account, but never received documentation showing I authorized or signed any documents. This has caused my credit report and score to be affected. This is account was open fraudulently under my personal information!

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 2021-09-28 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: MA

Complaint narrative:
This is a fraud account from XXXX XXXX were my information was used to open a account and eventually charged off. I have tried to dispute this account with all 3 credit bureaus who claimed they have investigated with creditor and verified information was accurate, which is untrue. I asked for proof showing I open account, but never received documentation showing I authorized or signed any documents. This has caused my credit report and score to be affected. This is account was open fraudulently under my personal information!

Company response to consumer: Closed with explanation