vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XX/XX/2020 AND XX/XX/2020 a finance inquiry was posted to my credit report initiated by GM Financial. This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( GM Financial ) can only furnish a consumer report in accordance with written instructions of consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as a consumer have been violated and my privacy has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank failed to inform me of over {$6000.00} in fraudulent ATM transactions over 2 months and after my husband 's death. They also failed to investigate the transactions upon my notifying them of the fraud. Rather than following up with the ATM providers they instructed me to call the police. The police have no ability to investigate the claim without the bank 's input and the bank claims to have no ability to provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson and Kennard, LLP
State: CO

Complaint narrative:
On XX/XX/2018, I was in XXXX XXXX, XXXX, with my husband on vacation. We were approached at our resort by a representative of XXXX XXXX XXXX, a timeshare/travel club. They attempted to sell us a membership in their club, and we initially agreed. The person identified as a Manager approached us and the salesperson and stated they have direct relationship with XXXX XXXX XXXX and would open a credit card to charge a down-payment for the travel membership account. We returned the day after and notified the same manager who spoke with us that we're not interested in becoming members due to some suspicious and negative reports we had read about that company on the internet, and under XXXX Laws, we had 72 hrs to change our mind. We were advised, that no problem, your membership is hereby cancelled and refund will be issued to the XXXX XXXX XXXX account. We DID NOT USE any of the offers allegedly included with that membership Whatsoever. We returned to the XXXX 3 days later. About a month passed and we received the statement from XXXX XXXX XXXX  and contacted the credit card company to advise them that the only charge on that account should ve been refunded, and they told us to deal with the XXXX XXXX first to check on status. We tried to get ahold of someone in their customer service to no avail. We made a couple of payments on the credit card account to avoid getting charged late fees and negatively affecting the credit score. The dispute continued for over a year. We could provide any additional documents to XXXX XXXX XXXX as none were provided to us. Multiple reports circulate on the internet about fraudulent and deceptive methods used by this company in XXXX, attempting to defraud primarily American tourists. We have exhausted all attempts to clear this up with XXXX XXXX XXXX. The charged off the account and at this point are attempting legal recourse through potential lawsuit. XXXX XXXX resorts later attempted to collect on XXXX!! more for supposedly not living up to the terms of their membership contract through a California based collection agency. However, after threatening legal action and filing a complaint with the Attorney General of Colorado and California, they seized all contact and never reported this account to any of the credit reporting agencies. Please assist us in this matter, as XXXX credit reporting agency advised us to do so. You can reach us by XXXX or XXXX, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: NM

Complaint narrative:
Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

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 2021-09-13 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
on XX/XX/2021, I wrote a letter requesting the investigation of accounts on my credit report. I never received a response so I mailed another letter on XX/XX/2021 stating that I hadn't gotten a response. Well it's XX/XX/2021 and I still haven't gotten a response yet. It has been 4 months!! The fcra gives 30 days for a response!

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 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I was working with Rocket Mortgage to secure a loan for the purchase of a new home. I secured a preapproval for {$700000.00} at a 2.7 interest rate and XXXX points with only 11 % down payment. 

Upon having an accepted offer approximately 1 week after the preapproval, Rocket Mortgage increased the interest rate to 2.99 ( not a problem ) and increases the points to XXXX ( where I have my problem ). 

To go from XXXX point to XXXX in approximately 1 week felt like an unethical/predatory leaning practice. It appeared as if Rocket Mortgage worked closely with me to understand my needs and financial situation, offered me loan terms are not available else where in the market, waited for me to have a signed contract, and dramatically changed the loan terms from the preapproval that would force me to either pay inflated points or have my financing fall through and I lose my due diligence {$30000.00}. 

Going from ~ {$3000.00} in points to ~ {$16000.00} in points is beyond the pale. My expectations for filing this complaint is for this governing body to determine if what happened in my case was truly unethical/predatory and handle accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Incorrect name on report as well as address.

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 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My Bank of America credit card was closed and charged off by them in XXXX of XXXX, my credit report says it should have been removed from my report in XXXX of XXXX and yet it has not. Bank of America instead added it back showing as an open account on my portal in what I assume is a fraudulent attempt to collect on an account that has been charged off for years. I would like to close my account with Bank of America but can not do so while this old card is showing open on my account. This debt is over the Statue of limitations in Georgia, where I lived when this card was closed, Oregon, where I live now and BoA 's home state of NC.

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 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I wanted to sign up for free credit check and when clicked on the Transunion link it led me to create an account. Then it asked for my credit card information which was weird for anyone to ask for a free service but I reluctantly put my credit card information in. After creating an account for Transunion, they charged me {$24.00}! That is ridiculous when the link clearly states to make a free 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 monetary relief
Consumer complaint received 2021-09-13 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: IL

Complaint narrative:
I tried to resolve this with Transunion but the company has failed to investigate this account that is still inaccurate, incomplete and unverifiable. 

On XX/XX/XXXX I sent a letter to Transunion in which they received it on XX/XX/XXXX about The Department of Veterans affairs account they are reporting inaccurately on my report. I sent the dispute letter to get it fixed because the information was not matching with the other bureaus. Transunion just updated the information but did not fix the error. 

I sent another letter on XX/XX/XXXX and they received it, on XX/XX/XXXX. In this letter I pointed out the inaccuracies but instead of doing a proper investigation within the 30 days. Transunion proceeded to make up a balance of {$2700.00} and then had the wrong close date on the account of XX/XX/XXXX. 

Frustrated I sent a third letter with no response. 


I sent a letter to the creditor Department of Veterans affairs, they said the balance was {$1900.00} and the close date was XX/XX/XXXX. They also proceeded to tell me to take it up with the CRA. When I tried to do that already.

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 2021-09-13 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: CA

Complaint narrative:
Back in XXXX ofXX/XX/XXXX, I submitted a request to remove a fraudulent account on my XXXX credit report of a XXXX XXXX Credit Card that I did not open nor did I sign any documents for. I never saw the account on my file until it became maxed out, then delinquent and then charged off. No explanation was given and this was opened during the massive XXXX XXXX fraud case and I suspected it was the case but when I went to complain to XXXX, they contacted XXXX XXXX and of course they updated or " Verified '' the account but never sent me any documentation as to why that would be the case. The Charge off on my credit report is completely fraudulent and was never opened with my persmission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: NV

Complaint narrative:
I have been disputing specific collection items that do not belong to me and I have no way to prove they do not as I have no accounts with these companies. XXXX and Experian stated they would not reinvestigate. These are still not my accounts or charges. 

I have had an identity theft reported in XXXX, XXXX and XXXX XXXX did reinvestigate and removed the accounts from 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 2021-09-13 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
Regarding CFPB complaint NO. XXXX. Over 4 months ago in XXXX, I attempted to reach out to Vervent regarding two tradelines. My letter was undeliverable due to Vervent 's negligence of not updating their contact information. Vervent closed the complaint stating that they can confirm and certify that the credit bureaus have their correct address. Vervent direct response to me, consumer XXXX was this : *******Our investigation found that we have received credit burau disputes filed on the XXXX XXXX account in XXXX and XXXX. In each instance, the account data was verified as reporting accurately and a replied was filed with the credit bureaus. 
We have reviewed the supporting documents provided and are unable to confirm if the documents which contain the address of XXXX XXXX XXXX were directly from a credit bureau agency. We can confirm that the phone number listed with that address is the phone number where we can be reached. Our new address was provided to each credit bureau agency, as requested by the Federal Credit Reporting Act. We have verified with XXXX, XXXX, and XXXX that they have our current address listed. ***** As of XX/XX/XXXX, Vervent did not thoroughly conduct a proper investigation. Vervent is still reporting the address to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX. Vervent is in violation of 15 U.S. Code 1611- Criminal liability for willful and knowing violation for certifying that their contact information is accurate despite otherwise. Exhibit # 5 is documentation generated by XXXX on XX/XX/XXXX of my consumer report. Contact information of Vervent more specifically the address is reporting XXXX XXXX XXXX after vervent certified that the FTC and the credit bureaus have their up to date address. I hereby demand Vervent produce the method of verification describing the steps conducted to verify that they ensured the credit bureaus have their correct address per FRCA 623 or to honor my previous request of removing both derogatory tradelines furnished starting in XXXX & XXXX for the failure of investigating due to undeliverable address and for furnishing inaccurate information and knowingly doing so. Attached is exhibit # 5, their response to me back in XXXX, and what Vervent is currently furnishing to XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
navy federal froze my account and would not give me any detail. I have requested information and informed them that i am a victim of identity fraud and they have since denied my claim. they froze my account because someone tried to call in and get access to my access twice. the first time they were successful and the second time the were unsuccessful. I have since filed police reports, filed a claim with the FTC and IRS and Navy Federal has been rude and unhelpful with this CONSTANT security issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I applied to refinance my VA home loan online with XXXX XXXX. 
I was given a " to do '' list of documents and other steps I had to make. 
All of these items were completed by XX/XX/XXXX. There were two items that are still pending review. Tax Returns, and the Mortgage Statement ( attached ). The details page of the account information listed an account ID, a loan number, and an estimated closing date of XX/XX/XXXX. ( attached ) this information has not changed as of XX/XX/XXXX. On XXXX I emailed my loan officer to find out the situation. She did not email me back until XXXX on XX/XX/XXXX. In the email she claimed to have reached out to me 2 months ago, about tax returns and average net income. If I had know this 2 months ago I could have looked somewhere else for a refinance, but since I had signed the initial loan estimate I felt like I had to wait for them. In bold letters it says " NOTE : DO NOT SIGN THIS FORM UNLESS YOU WISH TO PROCEED WITH THE LOAN APPLICATION COVERED BY THE LOAN ESTIMATE. IF YOU DO WISH TO PROCEED, PLEASE RETURN A SIGNED AND DATED COPY OF THIS NOTICE OF INTENT TO PROCEED TO THE LOAN ORIGINATOR. '' I completely understand that they do not think I qualify for a loan from them. My issue is that they did not inform me of this until after several months of waiting, and I had to ask them what was happening.

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 2021-09-13 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: FL

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, XXXXm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2018, I was in XXXX XXXX, XXXX, with my husband on vacation. We were approached at our resort by a representative of XXXX XXXX Resorts, a timeshare/travel club. They attempted to sell us a membership in their club, and we initially agreed. The person identified as a Manager approached us and the salesperson and stated they have direct relationship with Bank of America and would open a credit card to charge a down-payment for the travel membership account. We returned the day after and notified the same manager who spoke with us that we're not interested in becoming members due to some suspicious and negative reports we had read about that company on the internet, and under XXXX Laws, we had 72 hrs to change our mind. We were advised, that no problem, your membership is hereby cancelled and refund will be issued to the B of A account. We DID NOT USE any of the offers allegedly included with that membership Whatsoever. We returned to the XXXX 3 days later. About a month passed and we received the statement from B of A and contacted the credit card company to advise them that the only charge on that account should ve been refunded, and they told us to deal with the XXXX XXXX first to check on status. We tried to get ahold of someone in their customer service to no avail. We made a couple of payments on the credit card account to avoid getting charged late fees and negatively affecting the credit score. The dispute continued for over a year. We could provide any additional documents to B of A as none were provided to us. Multiple reports circulate on the internet about fraudulent and deceptive methods used by this company in XXXX, attempting to defraud primarily American tourists. We have exhausted all attempts to clear this up with B of A. The charged off the account and at this point are attempting legal recourse through potential lawsuit. XXXX XXXX resorts later attempted to collect on XXXX!! more for supposedly not living up to the terms of their membership contract through a California based collection agency. However, after threatening legal action and filing a complaint with the Attorney General of Colorado and California, they seized all contact and never reported this account to any of the credit reporting agencies. Please assist us in this matter, as XXXX credit reporting agency advised us to do so. You can reach us by XXXX or XXXX, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: CA

Complaint narrative:
Back in XXXX of XXXX, I submitted a request to remove a fraudulent account on my Experian credit report of a XXXX XXXX Credit Card that I did not open nor did I sign any documents for. I never saw the account on my file until it became maxed out, then delinquent and then charged off. No explanation was given and this was opened during the massive XXXX XXXX fraud case and I suspected it was the case but when I went to complain to Experian, they contacted XXXX XXXX and of course they updated or " Verified '' the account but never sent me any documentation as to why that would be the case. The Charge off on my credit report is completely fraudulent and was never opened with my persmission.

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