vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 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:
I am filing this report because today XX/XX/20 I applied for a XXXX credit card and I was denied due to having two accounts in negative standing appearing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX & XXXX XXXX. Neither of these accounts belong to me nor do I have any written/verbal contract with those companies. I did not open any account with those companies and I did not allow anyone else to open any account in my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a complaint with the CFPB as well as a police report regarding these unauthorized accounts.

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 2020-11-04 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:
I am filing this report because today XX/XX/20 I applied for a XXXX credit card and I was denied due to having two accounts in negative standing appearing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX & XXXX XXXX. Neither of these accounts belong to me nor do I have any written/verbal contract with those companies. I did not open any account with those companies and I did not allow anyone else to open any account in my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a complaint with the CFPB as well as a police report regarding these unauthorized accounts.

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 2020-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My name is XXXX XXXX XXXX, I had a pre paid credit card with Bank of America for {$100.00} ( charge off XX/XX/2020 ). 
I left the country and I was not even aware this debt went to collections I left the country for 6 months. I have proof from my employer of my absence here. 
I paid it off as soon as I got back and now that I am ready to buy my house this {$100.00} debt that I have paid infill is hurting my chances to buy my own house, I have tried to reach to bank of America I have begged I have submitted proof of my absence and they simply DONOT care. can someone help me remove this negativity from my report??? 
I will attach proof correspondence and my employer leave of absence. 
can someone please give me a call back in XXXX at 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 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have repeatedly told XXXX XXXX XXXX ( the company ) not to contact me on my cell phone as this number was not provided to either the Debt Collector or the original debtor of any of my accounts. I just recently got this number in XXXX, 2020 and the calls started almost immediately with no interaction from myself with the debt collector or the original debtor. The original debts are over 3 years old. I have notified the company that they have illegally obtained my cell phone number, as well as that it is inconvenient for them to contact me there which puts them in violation of the FDCPA. XXXX XXXX XXXX calls me several times a day, they never leave a voicemail when I do not answer and they continue to violate the FDCPA by inconveniencing me at work which can cause me to lose my employment. My last interaction with them was today, XX/XX/2020. I have been telling them since XXXX, 2020 to stop calling this number, yet they continue to call it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion displaying inaccurate employer ( XXXX XXXX ) on credit report. I do not work for 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 2020-11-04 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: TX

Complaint narrative:
On XX/XX/XXXX I reached out to Equifax in regard to multiple inaccurate information that needs to be deleted from my credit report. I sent a letter first class mail via USPS with tracking XXXX. I did not receive a response from your company, nor did I see any updates to my credit report. 

On XX/XX/2020 I decided to reach back out to Equifax because of the incorrect unverified information you are reporting on my behalf which is against the law. A few days passed and I still did not hear back. Imagine looking at your credit report and seeing incorrect information that does not belong to you, it makes you go mad. My second attempt was mailed via USPS certified mail with tracking number XXXX. 

On XX/XX/2020 I reached out again in regard to the same inaccurate information. The letter went out via USPS first class mail with tracking number XXXX. I still have not heard back from your institution and the incorrect information is continuously reported each month. 

On XX/XX/2020 i signed up for a digital credit monitoring service online and after seeing the incorrect information being reported on my behalf i was saddened to my core. I reached back out to Equifax via first class mail with USPS tracking number XXXX. I have not heard back from Equifax. I have asked them to mail me back when they have any updates and i have not received a letter from them. 

Equifax is currently reporting 7 different variation of my name to which 6 are incorrect and the correct name is not listed as a " name '' but an alias.Keep in mind i sent a copy of my passport, ID card, Social Security card to Equifax to update their incorrect information. They have not responded to any of my mail correspondence and it has been well over the thirty-day window of response. I have asked Equifax to remove these unverified, inaccurate, and fraudulent information from my report and they simply wont comply and continue to break the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I have filed a complaint with CFPB about Santander not deleting their reporting on my credit reports for the Multistate Santander Settlement which they replied " The State of Maryland is not part of the Multistate Santander Settlement '' when in fact Maryland is part of the Multistate Santander Settlement so for your wasting my time and lack of knowledge please delete the your inaccurate filing off my credit report the debit is no longer. And, please if you response back with this inaccurate fact trying to lew-ed me away from a relieve of your companies [ Santander ] criminal conduct I will sue you in State and Federal court to get my removal and a {$650000.00} Settlement for wasting my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
3 weeks ago I leased a XX/XX/XXXX XXXX from XXXX XXXX, and I was approved for the loan by Mercedes Benz finance. I signed my lease contract, paid 36 months up front and was given the car. 2 days later, they called me saying that I was declined on the loan, did not give me any reasons and told me to wait to receive the letter. I have received the letter yesterday, and it said that I was declined because they could not verify my identity and to call XX/XX/XXXX consumer reporting agency, I called them and they stated that everything is fine on their end and I do not have any issues with my personal information and everything is matching. I also did not have any fraud alerts or credit freezes, they were able to run my credit and it came out with XXXX Fico score. I have no lates, not delinquencies, nor do I have any issues with my credit. I have had a Mercedes Benz in the past, paid off with no issues with them. I paid up all 36 months of the lease up front with their 1 pay lease program. I returned the car back to them after they called me 2 days later, and they gave me back the payment I made, left me with no car. I asked for reason as to why I was declined, especially because there is no legitimate reason for denying me for credit. They did no respond and asked me to wait for the letter. I waited for the letter, and nothing there but problem with identity, I have tried resolving this matter with them and they are no help. I contacted their department where the analyst named XXXX denied, and they are not speaking with me in regards to my application stating that they don't speak to consumers and I should speak with dealership for reasoning. I spoke with financing manager at XXXX XXXX in XXXX, CA and they stated they can't help me either and I should speak with Mercedes Benz finance. I have never dealt with such a problem in my entire 20 years of leasing a vehicle. They are throwing the problem back and forth to each other and I don't know who I am supposed to talk to get this problem resolved. I really want to lease a Mercedes Benz and they are denying me for no solid reason, and are not resolving this case. Please help me, if they are denying me because of my race, sex, or how I would like to obtain my car with a 1 pay lease program that they are offering, then they are discriminating me. I have attached my driver license social and the contract. unfortunately I wasn't Able to attach all 36 pages of the contract because it doesn't accept big files, but I included the key pages, and can submit the full contract through other means if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: CA

Complaint narrative:
I disputed 3 negative accounts on my credit report XX/XX/XXXX on XX/XX/2020 and received the results back report # XXXX 2 out the 3 accounts XX/XX/XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX outcome is listed as DELETED. I have an updated credit report which shows they have been removed .However it still shows on my credit report when a merchant runs my report. I called experian spoke with a XXXX who was very rude and he confirmed the items are still showing on his end!! I gave him the dispute report number he refused to make the correct changes Ive contacted XX/XX/XXXX their verification is inaccurate I cant get my report from them, both trans union and XXXX are reporting inaccurate information because of it my credit score is inaccurate and I have been declined 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 2020-11-04 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: WA

Complaint narrative:
Hello - I reached out to Bank of America in XXXX of XXXX to look into refinancing my existing home loan. The main reason I went with them is because they have the loan already and I thought I could save some money/time. 

After going back and forth between loan officers the process got so confusing that I started asking questions. Knowing what I could sign electronically and what I couldn't was almost impossible to tell through their portal. Half of the time, uploading docs through the portal wouldn't work even though I ensured their size and formatting was correct. My questions to my primary and secondary loan officers went without answers. 

I pinged them multiple times to see where the loan was at - no response. When I finally got a hold of my loan officer, the time to provide documents that I didn't know the underwriters were asking for, had lapsed. Loan/attempt # 1 : Dead. 

The loan officer was so nice and convincing when talking to him about the disfunction - he owned up to not calling/communicating in a timely fashion. I was also now able to get a lower rate, so I went for it again. 

In early XXXX I tried the entire process again - paying for a new credit app fee again. Scanning documents and chasing info down again. This time I got it back to them very fast, concerned that the loan application could have the same issues as the first. 

The last correspondence I had with a loan officer was on XX/XX/XXXX. I made sure that the ball was in their court and I have that email to prove it. After getting nothing else back, I started to check in again with them to see where we were at. Each request got nothing back, so on XXXX, I CC 'd management and asked if they could get me a status. 

The sales manager/vice president ( of what I do not know ) came back with an email on XXXX stating that the loan had expired because of lack of needed documentation. I shared with him the email proving that I was in good standing and providing docs when asked. This time the Refi process went from " you are good, we will let you know '' to " the loan has expired because of the lack of documentation '' within 2 weeks. Each time I asked for a status after XX/XX/XXXX I got nothing back. 

They are supposedly working on getting me credited both credit application fees. Thank goodness there wasn't an appraisal fee associated. I will never use BOA again and will be actively shopping my refi around with someone else that I can hopefully trust. Sharing this in hopes that other will also avoid spending a ton of time and energy for nothing - stay away from BOA!!!

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 monetary relief
Consumer complaint received 2020-11-04 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: SC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
There was a purchase out of XXXX made on XX/XX/2020. I called BBVA mid XXXX ( per their notes ) and stated the card was used without my knowledge and they issued a new card with a new card number. They have since dinged my credit, lowered my available credit on the card ( causing utilization issues ) and have sent many, many, collection notices. I called today ( XX/XX/2020 ) and they told me they closed the dispute because " I lost the card and am responsible '' for the charge. I have the card in my possession and never did I claim to have lost it. I have already disputed the card on all three credit reports and have had a fraud consumer statement put into place. They told me they can not open another dispute but can " file a complaint '' with my " new '' information I am providing. That resolution is unacceptable and I refuse to pay for a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: OR

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-04 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: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: SC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2020-11-04 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: SC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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