vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The three credit bureaus are lying about verifying information with creditors.

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 2020-09-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.

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 2020-09-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have a loan with Navy Fcu. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and Navy Fcu with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2020 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The three credit bureaus are lying about verifying information with creditors.

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 2020-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The three credit bureaus are lying about verifying information with creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
This letter serves as a formal complaint about Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA, XXXX - XXXX. This complaint is in regards to disparate refinance application practices, lack of communication, dealing in bad faith, and failure to follow through with closing on our refinance application after granting conditional approval and instructing us to pay for and obtain an appraisal. 

We first submitted loan documents to NFCU on XX/XX/2020. As of today, XX/XX/2020, NFCU has not closed our refinance. 

Upon submitting documentation on XX/XX/XXXX, we did not hear from our processor from NFCU until XX/XX/XXXX. Her name was XXXX XXXX. Most of our inquiries to XXXX either went completely unanswered or her responses were delayed for weeks at a time. We were so frustrated that we obtained the contact information for XXXX supervisor and reported her lack of engagement with us. XXXX was ultimately removed from our loan and a new processor assigned. 

On Friday, XX/XX/XXXX, we received notification that our loan was reassigned to XXXX XXXX, who is the current mortgage processor on our refinance loan. 

We received our conditional approval from Navy Federal on XX/XX/XXXX. We were instructed to pay for and schedule the appraisal, which we did. The appraisal was conducted on XX/XX/XXXX and we received the results of the appraisal on XX/XX/XXXX. 

We replied to all NFCU inquiries within 24 hours and submitted all requested documents within 24 to 72 hours of the request. NFCU has pulled our credit reports twice. And still, as of today, XX/XX/2020, they have failed to follow through to close our refinance, or to reply to our inquiries about the delay in closing. During our application process, XXXX also requested that we submit sensitive information via email, which is a practice that could be harmful to applicants. 

We are asserting that they are engaging in disparate practices, failing to communicate with us in a timely manner ( sometimes not at all ), and not moving forward in good faith. We have complied with all of their requests, including paying for an appraisal, and they continue to be largely unresponsive. 

We ask that NFCU be investigated for disparate practices, fraud, and applicant mistreatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03 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: GA

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  / XXXX XXXX   XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  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 2020-09-03 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Oliver Adjustment Co.
State: FL

Complaint narrative:
I have been disputing and are not getting a timely response and i need answers because the account listed is NOT mine or i dont recall it.

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 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc.
State: CA

Complaint narrative:
I have sent Total card three certified letters disputing the two accounts that they are reporting to the credit agencies that I know are falsely being reported. They have failed to respond all three times. I have ran out of options

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted several disputes to Equifax regarding credit inquiries on my credit report. I am a victim of identity theft and my wallet was stolen and I never received my social security card for them. Every time I dispute this information, I get the same response. So they have left me no choice than to file a dispute against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TN

Complaint narrative:
For the last three months ( XX/XX/XXXX-XX/XX/XXXX ). I have been corresponding ( by mail & by phone ) with all three credit bureaus questioning the bankruptcy they have in my personal information section. I asked where they got the information & they were not honest which is a violation of the Fair Credit Reporting Act in which they are reporting false information. I sent proof of their dishonesty & asked for them to reverify and send me proof of their findings from whichever reporting source they claimed to get information from & they have failed to do so.

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 2020-09-03 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: TN

Complaint narrative:
For the last three months ( XX/XX/XXXX-XX/XX/XXXX ). I have been corresponding ( by mail & by phone ) with all three credit bureaus questioning the bankruptcy they have in my personal information section. I asked where they got the information & they were not honest which is a violation of the Fair Credit Reporting Act in which they are reporting false information. I sent proof of their dishonesty & asked for them to reverify and send me proof of their findings from whichever reporting source they claimed to get information from & they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I refinanced, loan was paid off XX/XX/20 with Bank of America ( BOFA XXXX I paid my monthly mortgage in the amount of {$2600.00} using auto pay through BOFA. Auto pay was not stopped, subsequently another mortgage payment was released on XX/XX/20 to my closed BOFA mortgage account. From XX/XX/20 to XX/XX/20, Ive made numerous attempts by phone and social media to receive a refund and Ive received NO HELP. Ive called their customer service at XXXX XXXX XXXX numerous times and that was unsuccessful. I also initiated a complaint on XXXX with their Mortgage servicing Escalation Team on XX/XX/20. Per their request, I provided, my name, property address and telephone number and was told they would be happy to connect with me. I was assigned a Specialist on XX/XX/20. I have followed up about 4 or 5 times and I get no response as of XXXX. Thank you very much for your help, I look forward to hearing from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: AmeriCollect
State: FL

Complaint narrative:
I have been disputing and are not getting a timely response and I need answers because the account listed is NOT mine or you dont recall it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I submitted a dispute on a credit card account for Victorias Secret that is on my credit report. The person who opened this account also wrote bad checks from XXXX XXXX XXXX that i just spent 7 months clearing up. I dont know what else i can do. Number 1, i was homeless on the streets when tnis account was opened. I havent had a VS CC since 2002. 

The collection comp any is XXXX XXXX. On the report it states there was a second card holder by the name of XXXX. And thats it. No last name or any information. I dont know 1 XXXX. 

There phone # is XXXX My name is XXXX XXXX XXXX Thank you so much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-09-03 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This bank is horrible they close all my accounts without notice for no reason they are crazy they must be investigated and shut the XXXX down they wont approve me for any new accounts claiming imma fraud and close them due to fraud how is this fair when my accounts were in good standing with a XXXX balance they are nuts

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 2020-09-03 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: NE

Complaint narrative:
Received a letter in XXXX from US bank loss prevention team in regards to a past due and delinquent account and they had been unable to each me. I had no previous contact. The letter stated that I needed to contact them to work it out to prevent further collection action. At same time had a credit report come back that noted my score had dropped due to a delinquent or late payment. I have nothing delinquent. I contacted the Loss Prevention Team on XX/XX/XXXX via the number provided to tell them I do not even bank with them, nor do I have an account. They said they couldn't do anything about it l, couldn't tell me if they had filed this against my credit, and forwarded me to the Bank Manager. The Bank Manager said he could not pull up my name on the account but also couldn't do anything and forwarded me to their Dispute Department. All my information was taken. I said I wanted to know if anything was reported on my credit and I wanted this cleared up and that if it wasn't corrected I would file a complaint. I was told it would be reviewed and I would get a written response within 30 days. I received no response as of today regarding my dispute of this attempt at debt collection. But today I got another letter, same as the one I received in XXXX but with a different amount past due. I am filling this complaint instead of calling them again as none of the 3 people I spoke to the first time appeared to care at all. Will provide a copy of the most recent letter. I have not obtained a new credit report as of yet.

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 2020-09-03 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: LA

Complaint narrative:
The company accused me of using a third party to submit my dispute/discrepancies with their reporting practices. I do believe it is my right to use a third party to represent me of which I didn't in this instance. Its a stall tactic to deter me from disputing this erroneous account.

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 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This company is listing an unverified account as closed charged off but listed payment status as past due as {$3900.00} which is illegal to the cras. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TN

Complaint narrative:
For the last three months ( XXXX ). I have been corresponding ( by mail & by phone ) with all three credit bureaus questioning the bankruptcy they have in my personal information section. I asked where they got the information & they were not honest which is a violation of the Fair Credit Reporting Act in which they are reporting false information. I sent proof of their dishonesty & asked for them to reverify and send me proof of their findings from whichever reporting source they claimed to get information from & they have failed to do so.

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