vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 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: AL

Complaint narrative:
Per my divorce decree order on XX/XX/XXXX, my spouse was ordered to refinance into her name the vehicle listed of XXXX XXXX XXXX within one year of our divorce. The vehicle is still being reported as late on my credit record and continuing to affect my creditworthiness. Amount due currently reporting on my credit record is {$10000.00}. I have been unable to resolve this issue with creditor and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc.
State: TX

Complaint narrative:
On XXXX I applied for a personal loan with SoFi to consolidate my debt and also provide funds for an unexpected veterinary bill. I applied with SoFi because they had an offer to get .50 % taken off your APR if you set up autopay and use 50 % of the loan for credit card debt. I hard pull on my credit was done. I was approved and started setting up the transfer to my credit cards, to find out that not all cards are supported, meaning I would not get the APR I was told I would receive because the transfer balance was less than 50 % of the total loan.

The fact that not all credit card types are supported is not listed on their site anywhere ( which I confirmed with their customer service ). The hard pull that was preformed on my credit will lower my credit score, and could prevent me from getting a loan with a better APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have a hard inquiry on my XXXX  credit report that is fraudulent and I would like to have this inquiry removed. The date of the inquiry is XXXX. I submitted a letter to the credit bureau for this matter and I reached out to the company and they informed me that I needed to submit a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: LEXISNEXIS
State: RI

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Its a closed account and or a collections account by law should not be reporting monthly or at all I have demanded that they delete this incorrect fraudulent account it clearly violates fcra laws and statutes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
My first card was NEVER received. I called in to find out Id had fraudulent check deposits in my account. I was giving no option to bring it current by enabling my deposits and I was also not given the opportunity to report this as FRAUDULENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: NV

Complaint narrative:
My problem is with Experian unfair credit scoring practices! I complain about this in 2019 and it has only gotten worst since that complaint!! My problem is I pay off my bills every month on time and I keep my credit card spending below 15 %! But Experian will take my credit score down 15 to 25 points in one day when I use my credit cards!! Why? Its like I am punished for using my cards!! And 25 points in a month is ridiculous for a credit score drop if I don't have any collections or derogatory marks on my credit report!! Why does this keep happening?? I can see my score dropping two to three points but 25 points?? It seems very unfair that when my credit gets to XXXX their seems to be any reason to drop it and keep it below that XXXX score!! It has to be purposely done!! 25 point drop is unheard of for a credit report with no derogatory marks and a exceptional credit history don't you think?? 
I am not even using 15 % of my credit limit when I use my cards!! And i am getting my score drop 15 to 25 points??? Come on you know that is unfair!! My credit score seems to only go up if I do not use my credit card and it takes forever for that to happen!! But as soon as i use one of them, its like they can not wait to drop my credit score for using my cards????? Why is that happening? Please explain?? 

And its like every time i complain about it, it only gets worst!! Why does this keep happening?? I am enclosing a up to date copy of my credit repost so you can see for yourself! 
And please don't get upset at the complaint!! Just fix the problem because if it was happening to you, you would not like it now would you?? Just remember that you reap what you sow and XXXX doesn't like ugly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
My Nordstroms account is paid in full and closed, its being reported as paid in settlement/Charge-off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
I have been in a forbearance due to Covid19 since XX/XX/XXXX. 
I was offered a work out solution in XXXX XXXXover the phone but DID NOT accept because the payment was not affordable. 
So we just extended the Covid19 related Forbearance this can all be heard on the recorded lines the lender should have.

I am covered under the Cares Act.

me and my husband had a 180 day late payment posted on our credit history on XX/XX/XXXX. 
report to XXXX, XXXX and XXXX. 

I called my lender several times to correct his and I filed a dispute in XX/XX/XXXX. 

I reached out to my lender today XX/XX/XXXX XXXX for an update to the dispute and I was told that they looked into the credit report history date of XX/XX/XXXX. 
XX/XX/XXXX is NOT the date THAT I am disputing, that date is reporting correctly. 
So that was a waste of 30 days!! 

XX/XX/XXXX is reporting from my lender as 180 day late. 


please have them remove the late, as we are still in Covid19 forbearance. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Mortgage Research Center, LLC
State: CA

Complaint narrative:
I have 3 fraudulent hard inquiries on my XXXX  credit report from Veterans Uni. The first date is XXXX. The second hard inquiry date is XXXX. The third date is XXXX. I have reached out to the company and they directed me here for further assistance in this matter. I would like to have these hard inquires removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I requested to close my account with Robinhood and make an ACATS transfer to my existing XXXX brokerage. This request was on XX/XX/XXXX. I only had one share of one security. They charged me a {$75.00} transfer fee. They did not mention this in the transfer request. This was more than the value of the one security, so they took money from my XXXX account and therefore it got sent into a negative balance. Luckily I was not charged any fee from XXXX, but this seems wrong from Robinhood for just wanting to move to another brokerage. If I had known it would take me into the negative on a completely different account, I would have just sold the security and taken cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: FL

Complaint narrative:
Received a collection letter AGAIN for a toll from using the PA TURNPIKE - this is now several that we NEVER received any invoice or ANY information that their was any amount owed. AGAIN this HAS BEEN SEVERAL. NO INVOICE- STRAIGHT TO THIS COMPANY FOR COLLECTION-NO DATE, NO PROOF of VALIDITY - NO INFORMATION AT ALL- we receive several of these and no one seems to have any Information from the STATE of PA- This latest letter for collection is dated XX/XX/XXXX. NO one has been to PA since XXXX XXXX then just received this 11 months later. In addition, I registered this car in NC in XX/XX/XXXX and I was told i had " tolls from PA '' and in order for NC to register the car these had to be paid and although they still provided no proof I paid the amount and was proven to NC and was then able to register my car. THESE CHARGES ARE NOT VALID.!!!! I have contacted several employees at the PA TURNPIKE and NO ONE WAS WORKING DUE TO COVID- THIS HAS BEEN A HUGE ISSUE ACCORDING TO MULTIPLE SOURCES at the PA TURNPIKE . This collection agency also have a history " NOT VALID '' claims- XXXX XXXX complaints for this exact issue in just a couple years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have summited information numerous times showing and proving they are clearly violating my rights by continuing to report new dates of delinquency on a closed account and have ask that they comply with fcra requirements I demand that they immediately remove the account information for XXXX  and XXXX XXXX immediately from my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Sirs, I have been living in Florida since XXXX. I applied for a fixed rate HELOC. I was approved and later applied for a smaller HELOC that was variable. I noticed in the last year that my fixed rate has been raised. I inquired to the lending institution and found out that what had been offered as a fixed rate option was actually variable. To add to this, I have been receiving harassing calls stating that I haven't paid my variable HELOC payment only to discover that my variable payment was erroneously applied to the fixed payment. I feel that this entire issue is due to ineptitude, malice or a combination thereof. I feel this entire HELOC should be vacated and damages awarded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Amazon 's store card through syf " bank '' refuses to provide downloadable statements unless you opt out of mailed statements. 

https XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/21 I tried to submit a {$120.00} payment through Paypal.com to a friend in XXXX. Paypal failed to disclose anywhere in their website while I was doing the transaction that the money would not be available to my friend until XX/XX/XXXX ( 21 days later ) before I submitted the money, and only showed this information after the transaction was submitted. I contacted their costumer service and said they were unable to cancel my transaction, and that I should have called them before sending the money to know about the 21 day delay, and that they did not have to disclose this, but that I should know the countries regulations and there was no way for me to dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have summited information numerous times showing and proving they are clearly violating my rights by continuing to report new dates of delinquency on a closed account and have ask that they comply with fcra requirements I demand that they immediately remove the account information for XXXX  and XXXX XXXX immediately from my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have summited information numerous times showing and proving they are clearly violating my rights by continuing to report new dates of delinquency on a closed account and have ask that they comply with fcra requirements I demand that they immediately remove the account information for XXXX  and XXXX XXXX immediately from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I had and account with Coinbase and I lost access to my e-mail address. I informed them I could not access my account and they gave me instructions as to how to recover the account. I have done everything they have asked me to do and I still do not have access. I have been sending e-mails for almost a year and still do not have access to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX Contact : XXXX Phone : ( XXXX ) XXXX I have been working with Citizens Bank on a Mortgage loan ( FHA case # XXXX XXXX ) Lender loan No. XXXX Mortgage XXXX The closing date was originally XX/XX/XXXX to XX/XX/XXXX However, per Citizens Bank Request , the date was moved to XX/XX/XXXX. 
Citizens Bank stated needs more time to process since they found that a new FHA/Covid regulation disqualified me to obtain a mortgage. I was advised to pay my car loan in full. I used around {$7000.00} from my savings account to eliminate this barrier. 
On XXXX was informed I was unable to do the closing. Citizens requested all of my documents to be re-submitted. Besides requesting all documents citizens stated that they were waiting on a document from the Department of Education since they were not sure of my student loan status. Loan student status was clear. Clsong date was changed to XX/XX/XXXX. 
On XXXX-Citizens stated they realized the appraisal for my home was not under my name. Therefore, they had to work on it and date was changed to XX/XX/XXXX. 
On XX/XX/XXXX they stated I did not had enough funds for closing. An offer to waive the right of a home tilltle and to increase my percentage. I declined since I did had the funds and provided proper documentation. However, I have not received any response but from my attorney stating the day went by and Citizens did not send the closing package. 
I believe all of the last-minute inconveniences were 100 % preventable since Citizens was provided with all of the documents with time in advance. I resubmitted all of the required documents within minutes of their requests. However, the closing has not happened and today I am homeless with my family since my lease with my current landlord expired. I had taken unnecessary vacation days from my employment and the situation affected third parties not to mention the financial and emotional distress this caused to my family. Through this process, I have been sending emails to XXXX XXXX ( XXXXXXXX XXXX Supervisor ) who has been ignoring my emails. I also contacted Customer Service who were not able to provide me with anyone who can help this time solve my situation before the seller pulls out and I lose my deposit. I believe the madness of the transaction is unusual and hope Citizens Bank can solve this situation. Hopefully, someone reach out and provide me with a satisfying explanation. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I recieved a Credit Card from XXXX ( Comenity Bank ) in the mail in the last week of XXXX. I had never applied for this credit card. Then I called Comenity Bank on XX/XX/XXXX to report this issue. The agent replied that the account was being closed to avoid further charges, and that the matter was being forwarded to their fraud investigation department. And that I'l recieve a letter from them in due course. 
Last week I recieved a statement from the same bank in the mail, showing a charge of US {$2100.00} made on XX/XX/XXXX at XXXX. XXXX XXXX MD-XXXX.

Company response to consumer: Closed with non-monetary relief