vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX my wife added me to her savings account at a small credit union. Formerly XXXX  XXXX company in XXXX Georgia. It is now XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The loan officer told me he needed to check OFAC, which is fine, and also check for outstanding bank fees or accounts. At this point he performed a hard credit pull rather than to use XXXX XXXX I am very dissatisfied that he went ahead and did this and it was unnecessary and rather sneaky. Now I have this unneeded ding on my credit.

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 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express reported different amounts and dates to XXXX XXXX and XXXX  the written off amounts and and date this item will stay on my credit record. My rights have been violated and according to the fair reporting act inaccurately reported information needs to be Deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Since XX/XX/11 I have placed 10 calls to Equifax to resolve an issue I am having obtaining my credit report. My credit is not updating and can not be access myself or lenders for review. Each call they claim they have removed a block and I should be able to access it but each time it has failed to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 2021-05-10 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: Frontline Asset Strategies, LLC
State: GA

Complaint narrative:
Frontline Asset Strategi reporting derogatory marks on my XXXX  credit report onXX/XX/XXXX in the amount of {$1200.00}. Upon the research this account was transferred from XXXX and l am no longer responsible for this account. Debtors creditors did not verify this collection or no written form of communication, signature of contract for this accused debt at all. A bill without a signature does not validate the debt. According to FCRA Frontline Asset Strategi has to validate. My rights as a consumer have been violated and Im requesting to legal call to action to remove this account immediately. Please terminate collection efforts by removing from all credit bureaus ( XXXX, XXXX, XXXX  ) due to failure to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Simple  account was transferred to a BBVA account which was supposed to be a seamless transferred. today it would not let me log in and have access to my funds. I can now log in, but money is missing from my balance, my savings account is MIA and when you call their CS line, they are playing fake recordings of agents answering, doing their into, and two seconds later it says Im sorry I think we have a bad connection, Im disconnecting the call and then the call disconnects. There are multiple recordings available online on XXXX/XXXX of various people calling in and getting the SAME exact person ( recording ). This is deceitful and HORRIBLE.

They also claimed account and routing numbers WOULD NOT change when the transition to the BBVA platform happened - well, the routing numbers absolutely did change and now I am unable to get my direct deposit and pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On XXXX my a account from Cavalry added a derogatory marks on my XXXX, XXXX  and XXXX  credit report. I filed a complaint # XXXX on XXXX. It was transferred from XXXX XXXX XXXX and sold to Cavalry. Upon research this account was transferred, I am not responsible nor was a written signature was on the bill per FCRA. Debtors creditors did not verify this collection, no written form of communication, signature or contract for this accused debt at all. A bill without a signature does not validate the debt. Anyone can send a bill but without a written signature according to FCRA, Cavalry has to validate. My rights as a consumer have been violated. Im requesting legal call to action to remove this account immediately. Please terminate collection efforts, remove from all credit bureaus due to failure to validate the debt. See all see all attached docs from Cavalry in response to complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: PLS GROUP, INC
State: TX

Complaint narrative:
From 2019 Until pls check cashing service used my idenity on loan marketing. 

My idenity has been stolen and they should Compensate me for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I decided to refinance my Nissan XXXX 2018 to reduce the APR. The original loan was trough Nissan Motor Acceptance Corp with a 6.49 % annual. My bank XXXX XXXX XXXX XXXX approved me a new auto loan for 3.99 % annual so I requested their check ( {$19000.00} ) from a branch and sent it to Nissan. They received my check, cashed it out on XX/XX/XXXX but they did not apply that payment to my account. On XX/XX/XXXX they sent my account to collection and now they are trying to repossess my car. 
The best part is, Nissan already sent the title to XXXX XXXX!! That means that Nissan is trying to repossess a car that has another financial entity as a lienholder!!! 
I went to my bank and they provided me proof of the title and the check cashed out. 
I spent hours on the phone and they are not helping me at all and they don't stop calling, threatening me as a debtor and harassing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: OH

Complaint narrative:
My personal information has been comprised due to identity theft. I don't know how the thief was able to gain access to my personal information and use my name without me even knowing about it. I'm getting threats from people I don't know and it frightens me. However, due to covid along with being a XXXX  survivor I'm dealing with a lot of stress in my life. I even went to the police and filed a police report I don't know what else to do.

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 2021-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I don't have time to waste anymore! its been past 60 days that I've been waiting for the credit bureaus to remove the fraudulent and unauthorized accounts I submitted in a dispute on XX/XX/XXXX that never received a response. Also, submitted another dispute XX/XX/XXXX that hasn't received a response to as well. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft, i brought this to the attention of the credit bureaus more than once but it seem I'm being ignored. they have caused me tremendous hardship due to the fact their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the XXXX XXXX XXXX and the office of attorney general of Ga this week!!!. Ive been affect by the XXXX XXXX, and XXXX XXXX XXXX data breach. i explained this before I had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these account. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off 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 explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello my name is XXXX, PayPal has recently closed my account FOR NO REASON that's holding {$730.00} in my balance for 180 days. I have reached out to them through customer service twice and have been rejected both times for help. I am not sure if this is some mistake as I assume it has to be. I feel as though this is strongly wrong and they are holding a large amount of my money which is effecting me greatly. If anyone see this please help me out!!! My Email Linked To My PAYPAL Account is XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I started a refinance application to refi my primary residence mortgage ( Already a Chase loan ). Over the subsequent months, I was told that I could get a better rate. 
On XX/XX/2021, I received a Closing Disclosure stating that the rate would be 2.875 % and cost {$5600.00}. 
Then, on XX/XX/XXXX, I received another Closing Disclosure stating that the new rate was 2.625 % and cost {$18000.00}. 

I texted my mortgage agent XXXX XXXX and thank him for looking after me, but I was concerned about the higher costs. He later called back and said that someone in the back office had made a mistake and reclassified by building from a multiunit to a single-family home and that he would get back to me. I was a bit confused about this error because my loan was already with Chase. After a few days, he said that he could not honor the 2625 % rate because of the error. I told him that I did not cause the issue and that I would hope to honor the rate and provide me with better costs. Then, his manager XXXX joined a call and told me that they could not honor that rate. 

We went back-and-forth for around two weeks, and after finally being so frustrated with wasting my time, I told them to give me a final rate and costs. And on XX/XX/2021, they finally sent me a new Closing Disclosure rate of 2.75 % and costs totaling {$25000.00} in fees. I was floored that for over three months trying to reduce my payments by {$250.00}, they returned and wanted to charge me over {$25000.00} to do this. Not only did they wasted over three months of my time, but they also were trying to give me a predatory loan. I'm afraid that's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio illegally obtained my information from XXXX  XXXX without my written consent or permission. this is a violation of 15 USC 1681n. Please remove this account asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 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: TekCollect Inc.
State: TN

Complaint narrative:
I am in receipt of my credit file and found this account which was not opened by me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I don't have time to waste anymore! its been past 60 days that I've been waiting for the credit bureaus to remove the fraudulent and unauthorized accounts I submitted in a dispute on XX/XX/XXXX that never received a response. Also, submitted another dispute XX/XX/XXXX that hasn't received a response to as well. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft, i brought this to the attention of the credit bureaus more than once but it seem I'm being ignored. they have caused me tremendous hardship due to the fact their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the XXXX XXXX XXXX and the office of attorney general of Ga this week!!!. Ive been affect by the XXXX Equifax, and XXXX XXXX XXXX data breach. i explained this before I had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these account. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I don't have time to waste anymore! its been past 60 days that I've been waiting for the credit bureaus to remove the fraudulent and unauthorized accounts I submitted in a dispute on XX/XX/XXXX that never received a response. Also, submitted another dispute XX/XX/XXXX that hasn't received a response to as well. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft, i brought this to the attention of the credit bureaus more than once but it seem I'm being ignored. they have caused me tremendous hardship due to the fact their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the XXXX XXXX XXXX and the office of attorney general of Ga this week!!!. Ive been affect by the XXXX XXXX, and XXXX XXXX XXXX data breach. i explained this before I had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these account. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off 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 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
Simple bank is transitioning all customer accounts to BBVA bank but made a massive XXXX up and now customers are locked out of their online accounts and UNABLE to access them or see their money. I try calling customer service and was on hold for an hour before being hung up on. This is ridiculous and we need access to our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
submitted an application for pre-approval and uploaded personal information as instructed and made necessary disclosures. Informed by loan officer that pre-approval could not be given.When asked why, loan officer alleged that pre-approvals are system generated and is not providing a pre-approval and that alternate option would be to submit information to underwriter. Received notice of incompleteness to provide a fully executed copy of the final purchase agreement and all addenda despite not receiving a pre-approval as requested to assess possible loan amount to offer. Submitted all supporting documents in absence of pre-approval requested despite 18 USC 8 covered security 12 USC 84 ( b ) ( XXXX ) and mortgage insurance to mitigate credit risk, Bank of America discriminated my right to extend credit, excessively delayed and evaded responding by phone or e-mail nor provided adverse action letter explained denial of credit. The company has take my identifying information and impacted negatively my credit score with 2 inquires and has discriminated my right of credit. 
Loan officer alleged that credit was denied for lack of credit history and implied authorized user accounts do not qualify, but refused to answer the following questions as regarding credit history requirements. 
How many, at minimum, non-authorized user trade lines am I to have open and for how long are they to have been open before I could qualify for a loan? 
Is this the credit history a definitive statutory requirement and where at law? 
If I obtain a purchase agreement where do I deposit it? 
It has been a month of delays and the company has denied online access to view loan status and loan officer will not communicate.

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 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX illegally obtained my information from capital one without my written consent or permission. this is a violation of 15 USC 1681n. Please remove this account asap.

Company response to consumer: Closed with explanation