vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To someone in a position of authority that can help me resolve this issue, On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were innaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Section 611 ( a ) states that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is currently 57 days, at this point these items need to be removed immediately. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply immediately with your investigation results. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I was also affected by the Equifax data breach, and this problem could be the result of someone using my information fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: TX

Complaint narrative:
XXXX XXXX XXXX- XX/XX/2020 UNAUTHORIZED CREDIT INQUIRY AND I HAVE NO IDEA ON THIS COMPANY IS. I WANT THIS DELETED IMMEDIATELY

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 2020-12-15 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: IL

Complaint narrative:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. I have no contracts with this company, and did not agree to pay any money to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: IL

Complaint narrative:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. I have no contracts with this company, and did not agree to pay any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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:
I'm a Victim Of identity Theft, someone is using my Personal Information without my Authorization they got in to my Banks accounts and open credit cards using my Name I filed a report to protect me from this situation so this matter will be Resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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'm a Victim Of identity Theft, someone is using my Personal Information without my Authorization they got in to my Banks accounts and open credit cards using my Name I filed a report to protect me from this situation so this matter will be Resolved

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 2020-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2020, I attempted to contact Synchrony Bank to let them know my Amazon Store card had been stolen. I was not able to login to my account, and I had some trouble reaching a decent CSR. 
I was able to get the stolen card issue handled, but was not able to get any other issues handled. 
In following up with them about open issues ( Unable to login, payment applied late, late payment remark on credit report, and wrong information being used to identify me ) I was refused any kind of assistance. 
After hundreds of requests for help via phone and chat over 15 days, Synchrony bank continues to refuse to assist me, choosing instead to be rude, nasty, harassing, and often abusive.

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 2020-12-15 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: CA

Complaint narrative:
I am writing this today in regards to XXXX/XXXX XXXX Account # XXXX, I have reached out to the bureaus along with XXXX/XXXX XXXX to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report.

1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent

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 2020-12-15 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: CA

Complaint narrative:
I am writing this today in regards to XXXX  XXXX  Account # XXXX, I have reached out to the bureaus along with XXXX  XXXX  to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: CA

Complaint narrative:
I am writing this today in regards to XXXX XXXX  Account # XXXX, I have reached out to the bureaus along with XXXX  XXXX  to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent

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 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020 I applied for the Chase Freedom XXXX world elite. It was approved of the amount of {$400.00}. Then I receive a letter saying I did not get approved. I do not understand why they have given me false information. Also i need to know if they have run my credit more then once. The company is Chase JP MORGAN CHASE BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: LA

Complaint narrative:
This is my formal complaint against Amerifinancial & XXXX. They both have continued to report an account on my credit report that has not been verified. I have sent a certified letter to Amerifinancial requesting debt validation per my right under the Federal Debt Collection Act ( see attached document ). As of today, I have yet to receive any documents or information from this debt collector. Due to the inability to verify this account with the debt collector, Amerifinancial, I invoked my right under the Federal Credit Reporting Act and disputed this account to XXXX. XXXX  has continued to report this account although, Amerifinancial, did not follow the law. If this debt is valid, why is it that I can not get it verified as I should. XXXX  and XXXX  have stopped reporting this account, yet for some strange reason, XXXX  has continued to report it. The LAW is clear and straightforward, and I feel as if XXXX  & Amerifinancial is using this pandemic as a means to break it and violate my rights. Additionally, I went to the XXXX  website on XX/XX/2020 to determine if " a description stating the account was in dispute '' had been updated/added to the account, because I have continued to dispute it, as of today it's still showing with not dispute comments and/or marks ( see attached document ). As you may know, small business owners are suffering during this time and it's imperative that my credit reports are reporting accurately so I can obtain the business funding needed to sustain myself during these hard times.

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 2020-12-15 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: Nelnet, Inc.
State: LA

Complaint narrative:
Department of Education keeps a balance on my credit report, reflecting as a late payment. This debt was settled on XX/XX/2016 for {$940.00}. No further payments are due, however, this still hasn't reflected settled. Missed payments are still showing on the report and it will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: MD

Complaint narrative:
Experian is continuously reporting inaccurate erroneous information on my credit report i have asked them on numerous occasions to correct it and they have refused to stating that it has been verified through XXXX i have attached a copy of my XXXX report and it does NOT reflect a bankruptcy being reported on there

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 2020-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
In XXXX of XXXX Lakeview Loan Servicing LLC ( Subserviced by XX/XX/XXXX ) increased the escrow amount on our mortgage loan by {$890.00} without notice, thus adding that amount to our overall monthly mortgage payment amount. The statement attached was posted to our online mortgage servicing/payment account after the escrow increase had already taken place, though it is dated XX/XX/XXXX. 

Due to the coronavirus pandemic and the implications of it, we were then involuntarily put on a forbearance plan. Keep in mind this was without our consent. We were in the process of refinancing with another lender, but were then told we couldn't move forward with the refinance because of the forbearance plan that Lakeview put our account under. At this point, our escrow account was unknowingly emptied and the balance on our mortgage bill had been racked up to total about {$7700.00}. It is believed that Lakeview did this intentionally to keep us from refinancing with another lender. We were not able to get anyone on the phone regarding this issue for approximately 3 months. It took leaving a review on XXXX to finally get their attention and get someone on the phone to talk through the matter. 

After paying off the balance that was left on our account from this error. We sought to refinance from a different lender. On the VERY DAY that we were set to close with our new lender, we realized that Lakeview had intentionally reversed our last mortgage payment to them - making the payment late ( which is obviously not ideal when refinancing as every bit of your payment history is assessed ) and making payoff amount to be sent from the new lender inaccurate. We have never once had the issue of Lakeview and their staff initiating a payment to be returned. Again, we believe that this was done intentionally by Lakeview to keep us and our loan trapped with their company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
1st call XX/XX/2020 - I received a voice mail on a business voice mail from XXXX XXXX w/ this " supposed company '' ( XXXX XXXX XXXX ). I found the message very rude ... .intimidating and threatening by using verbiage like 'local county processor ', 'mediators ' and 'time sensitive ' and the forcefulness in her voice. I spoke to a female, who would not let me get a word in, then transferred me to the " attorney '' XXXX XXXX. 
He was extremely rude & threatening. He would not let me say much of anything, constantly talking over me. The supposed debit is over 10 years old. I haven't lived at the address they gave for me in at least 15 years. 
2nd call XX/XX/2020 - Message left by XXXX XXXX, same as described above. 
3rd call XX/XX/2020 - XXXX XXXX. Same as above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX and on XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
I am writing this notice for my dispute that was not settled with my refund. The company is NetSpend, a prepaid debit card. 

All of the transactions occurred on the same day, XX/XX/2020. The transactions started on XX/XX/2020 and posted on my account at XXXX. The next 15 transactions all taking place in XXXX Washington, are the transactions I am disputing. The amount taken from my accounts exceeds {$1400.00}. 

I live in and have not left XXXX XXXX XXXX CA, in over a month. I have my debit card with me and was not lost at the time of these transactions. I tried to make a purchase on XX/XX/2020 at XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX at XXXX and that transaction was declined. That is when I noticed all of these transactions made in XXXX Washington and all of my money taken from my account. At that time I still had my debit card with me. No one else has access to my account and I have only the one debit card attached to that account. 

I have also filed a police report with the XXXX XXXX XXXX Police Department. The report number is XXXX. If you have any questions about the report, the XXXX who took it said you can call them at XXXX XXXX XXXX XXXX. 

Thank you and if you have any further questions feel free to email me back

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 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Yesterday, XX/XX/2020, I phoned my credit card, Capital One to ask about a fee. I have 2 cards with them, and I inherited money, and paid them both off. In fact, I have a credit on one, of over {$150.00}. The other card had a balance due of {$29.00}, and {$23.00} was a fee. The card people, and I called 2 times and spoke to 2 representatives, would not not me pay the {$29.00} with the other credit card. They would not dismiss the fee and they would not close my card unless I signed an agreement. I am deaf and low visioned, which I told each rep. One rep wanted to read the the conditions, I said I could not rely upon my hearing for a legal document read over the phone. She said she could not close my account. I called again, and got the same thing, only this rep directed me to the same online written agreement, which I read and said I did not agree to all of the agreement. She said she could not close my account. I was able to close one account, as it had a credit balance. They demanded I pay the {$29.00}, so I paid it with my personal checking account. They told me they would be charging my account {$23.00} again for the next billing period. The also allowed a company to auto bill me, when I never had a service with them. I had lost my wallet, and reported it immediately and had them LOCK MY CARD. I had not unlocked my card until I got my new card, but they did allow this company to auto charge to my new number. They said they can do this without my permission. Needless to say, many errors, each alarming. They go their money, I am sure they plan to take more next month, as they will not close my account. I want to close my account, and not have to sign a contract with conditions I do not agree with, and is not relevant to closing an account. They also threatened me that I could never have a card with them again. Not doubt they will also impact my credit rating in some way. Thank you for your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I have received multiple phone calls from a private number. They advised me to contact them at XXXX XXXX XXXX. I contacted them after the second message was left in early XXXX I asked them not to call me again. They called a again in XX/XX/2020. The messaged stated they would contact my employer, that they proceed without Due Process of Law, and they would find me. They said they are contracted to do this with the State of California and County of XXXX. They said I will have to pay additional court and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a email from citibank on XX/XX/XXXX for 5 % back on online purchases from XX/XX/XXXX through XX/XX/XXXX. I made 4 purchases on XX/XX/XXXX and they are only crediting the one transaction that posted within the day, they are not honoring the other three since they took 1-2 additional days to post, it does not say this anywhere within the body of the promotional email.

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 2020-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
This incompetent company continues to report my balance incorrectly to the credit bureaus. I DO NOT owe the {$20000.00} that they are reporting. This is another example of a terrible company taking advantage of a consumer. This is also another example to validate all the horrible and terrible reviews that you see about this company online. Unacceptable.

Company response to consumer: Closed with explanation