vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
I was denied a mortgage loan. I started the application process on XX/XX/XXXX. The loan closing date was moved to XX/XX/XXXX. The reason for denial of the loan from BancorpSouth was sited as my current position of XX/XX/XXXX fellow has an end date of XX/XX/XXXX. I have worked steadily as a XX/XX/XXXXfor the past ten years. I started my current job as a XXXX XXXX  fellow in XX/XX/XXXX. I applied for a conventional loan with 20 % down. My credit score, assets, and wages were satisfactory. BancorpSouth was aware of my current job when I applied for the loan on XX/XX/XXXX. I received a call from XXXX XXXX, loan officer, at XXXX XXXX XX/XX/XXXX stating that BancorpSouth would not approve the loan for the above stated reason. I spoke with her on XX/XX/XXXX XX/XX/XXXX to assure that the loan would close on or before XX/XX/XXXX because the initial closing date was changed due to BancorpSouth. I was told that it would surely close before XX/XX/XXXX by XXXX XXXX. I paid for the appraisal through BancorpSouth. The appraisal was satisfactory. XX/XX/XXXX is the day before XXXX ; the next day, XXXX, which is a holiday, the bank would be closed. I was told on Wednesday, XX/XX/XXXX at XXXX XXXX that BancorpSouth would not approve the loan. The closing date was scheduled for XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I was notified by XX/XX/XXXX that I had a hard inquiry on my credit report from Capital One-Cabelas today ... XX/XX/2020. I have notified Capital One. I did not apply for this card or any credit card as of late. This is due to identity theft. I filed a police report as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 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: GA

Complaint narrative:
I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged into XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect 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 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX failed to validate the debt or establish that the debt is associated with me. As. XXXX knows the XXXX statement provided is insufficient to either validate the debt or associate it with me. 

I never set foot in a XXXX - anywhere. 

And XXXX lies when it says that the challenged information is not a reinsertion. A conclusory statement that they " can find no records " is insufficient. 

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 non-monetary relief
Consumer complaint received 2020-12-02 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: Sunlight Financial LLC
State: NV

Complaint narrative:
ON XX/XX/2020 i had a conversation with Sunlight Financial Services. They claimed since i already had existing credit with them that i would be approved. So while extending and adding to my solar system on my home currently they asked to run my credit due to a name correction and nationality correction. After they got my information they then said due to their standards they couldn't not give me a line of credit that i already have with them and ran my credit number or score down. They new this before it was ran because I've been emailing them information and calling them asking questions. They have discriminated against my nationality. Based upon that i age of majority and fully competent they wanted to lower my score making it difficult to get credit. They also saw my identification and used me wearing a Turban to make their decision when before they saw that photo they been doing business with me for two years. They have also placed an illegal lien XXXX XXXX on my property and have never mailed me a copy nor email me a copy.

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 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Called the collector when I became aware of the debt while reviewing my credit report advised them i was not aware of debt. They were supposed to delete upon receiving payment. On my report as paid. They advised me on a recorded line that it would be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 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: MI

Complaint narrative:
In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX.My account was close in XX/XX/XXXX.I received a letter from XXXX dated XX/XX/XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.Please see all attachments

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 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
IC Systems account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from 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 2020-12-02 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: MI

Complaint narrative:
In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XX/XX/XXXX.My account was close in XX/XX/XXXX.I received a letter from XXXX dated XX/XX/XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.Please see all attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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:
In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.OnXX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXXXX/XX/XXXXand last used/paid off in XX/XX/XXXXXX/XX/XXXXMy account was close in XX/XX/XXXX.I received a letter from XXXX dated XX/XX/XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.Please see all attachments

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 2020-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Best buy website has an offer on their TV to pay in 24 installments and they present you with the amount of monthly payments you would pay, in my case {$140.00} per month. 
At the check out I chose pay in installments option and went through the steps, at the end they told me that I will receive a credit card by mail, and only after getting the credit card they informed me that the amount they approved me for is insufficient to make the purchase, but the credit card has been issued already. 
I called Best Buy card service and asked them to cancel the credit card application, which they did. 
A few days later the credit card was posted to my credit report as a closed account. 
I called them back explained that I was trying to by a product using their installments offer but they didn't approve me for it and still issued a credit card. They refused to help me in and let me know that i can dispute it with credit bureaus but they will still contest the dispute. 
I have been scammed into getting a credit card I didn't need by using the pretext of giving me an installment. When I cancelled that credit card they punished me by reporting a closed account on my credit report, even though the account was a few hours old and I never used 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 2020-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
I filed an original complaint. The company did acknowledge one of two unauthorized charges and refunded me {$850.00}. I filed another complaint ( XXXX ) regarding the company 's refusal to acknowledge and reimburse me for the second unauthorized charge of {$230.00}. 

The response to my second complaint only acknowledges them refunding me the {$850.00} and not the {$230.00}. They are totally ignoring my second unauthorized charge. 

My previous complaint read I had filed an original complaint regarding US Bank Relia Card ( XXXX ) regarding unauthorized transactions. Someone had stolen my Relia card and made two purchases using my card. One from XX/XX/XXXX in the amount of {$850.00} and One from XXXX in the amount of {$230.00}. Both transactions occurred on the same day ( XX/XX/20 ). After numerous phone calls I did receive reimbursement for the XX/XX/XXXX transaction however I never received reimbursement for the XXXX transaction. The response letter from US Bank Relia Card that you received for the prior complaint ( XXXX ) states that they did refund me {$850.00} for the transactions. This is not correct. It was for one of the transactions. I have yet to receive the {$230.00} for the second transaction. I have called the bank numerous times only to be told my case has been closed and all monies refunded. Again this is incorrect. I am still owed {$230.00} for the unauthorized XXXX transaction. I filed a report with the XXXX XXXX Police Department in XXXX, PA the same day that my card was stolen and they have both transactions listed in their report with the unauthorized amounts.

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 2020-12-02 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: TX

Complaint narrative:
I do not recognize three of the hard credit inquiries on my report. These are XXXX XXXX via XXXX XXXX from XX/XX/XXXX, XXXX XXXX from XX/XX/XXXX, XXXX from XX/XX/XXXX, and XXXX XXXX XXXX from XX/XX/XXXX. 

I also reported an account on my report titled XXXX XXXX XXXX XXXX # XXXX '. This is not my account, and I am not responsible for it. 

I sent a letter to TransUnion to request the removal of the incorrect inquiries off my report. They failed to respond within the 30 day time-frame allowed under the FCRA. TransUnion is now in breach of the law by continuing to report the aforementioned derogatory information 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 explanation
Consumer complaint received 2020-12-02 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: GA

Complaint narrative:
I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged into XX/XX/XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect 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 2020-12-02 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: GA

Complaint narrative:
I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged intoXX/XX/XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
These credit inquiries that appear on my equifax and XX/XX/XXXX report were not legally authorized by myself and i would like for them to be removed XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/2019 XX/XX/XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So after months of trying to negotiate with Bank of America they finally sent me another letter saying that my claim has been denied. I asked what was going on my account in XXXX and they said my account was frozen due to suspected fraud and that I could unfreeze it in two weeks once unemployment department opens up again. So I waited two weeks and I verify who I am with the state and they unfroze my account after I proved there was no fraud. Shortly after my account got unfrozen they deducted around {$2700.00} from my account putting me into the negative. After several attempts hours upon hours of waiting on hold the claims department representative stated that they automatically reject any disputes done on my account because of it being frozen due to suspected fraud. Im sorry but what In the world is going on with this bank, this is my second consumerfiance complaint. The first complaint the lady did call me saying the error would be corrected within 30 days and Id have my money by then. Its now XXXX I havent received any of my funds back and they mailed me a letter saying that I basically lost the dispute and that their original investigation which was an error they stated previously have been found correct and that I wont be getting any of my money back. So far theyve stolen over {$900.00} from me and left me in the negative balance on a prepaid card. Getting ready to organize a class action lawsuit against victims of this dispute/frozen account errors that theyve made. Lost my home and car cause of 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 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received unemployment from the state of Illinois due to losing my job during the COVID Epidemic. After received my back pay from the unemployment office, Chime suspended my account. Ive had Chime for 3 years and couldnt understand why they would do that. When I called, I was given no explanation. I spoke to 3 customer service reps, 3 supervisors, and 1 member dispute agent. I submitted proof of my identity and proof from the unemployment office that I was entitled to the benefits deposited. My account is still suspended. This is just very frustrating because lots of people had to fight for their benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
These credit inquiries that appear on my equifax and XX/XX/XXXX report were not legally authorized by myself and i would like for them to be removed XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/XXXXXX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: WA

Complaint narrative:
See Federal Court Action, U.S. Dist. Court, Western District of Washington, Booren v, MB Law Group et. al. No.3:20-cv-06163 RJB ( complaint attached ). 

Fay Servicing LLC violated the Consent Order File No. XXXX. 

We demand you take immediate action to enforce the order. 

We also demand you take immediate action against the other defendants. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: SC

Complaint narrative:
Hunter Warfield account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXX/XX/XXXXwith a balance of {$7800.00} -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