vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My wife and I are victims of identity theft/fraud/misuse of our credit report. I have been with Fifth Third Bank/as a customer several years. I myself am 100 % XXXX XXXX XXXX. My wife is my XXXX. We had known the bank associate that initiated the issues w/our credit ; XXXX XXXX XXXX over 7 years. During the Covid19 shutdown, we could not enter the facility, yet my wife and I had spoken to XXXX over the phone during the end of XXXX into XX/XX/2020 with regards to our prior credit " pull '' of XX/XX/2020 [ with our own prior mortgage person-XXXX XXXX  ]. XXXX was willing to look at the recent credit pull, and advise us of what we should do in order to get our credit repaired, to move in Fall/Winter 2020. NOONE advised XXXX XXXX we wanted a Mortgage loan with Fifth Third at this time. NOONE AUTHORIZED XXXX XXXX to utilize our personal information to obtain credit, pull credit, or give our information to any outside lender. PERIOD. 
In XX/XX/2020 we had learned that our personal information was Breached*, and XXXX XXXX obtained all our information against our wishes, in our files/ at FIFTH THIRD BANK, in order to provide information to an outside mortgage lender source [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX ] ( not 5/3 Bank ). This was without our knowledge ; without our consent. We did not authorize this, and we, therefore, requested to FIFTH THIRD CORPORATE that this formal FRAUD  REQUEST be attended to immediately. { CEO XXXX ) We also request that the bank take all appropriate steps to remove information about this account from OUR credit files to XXXX-XXXX  and XXXX  within those 7 business days by letter. 
My wife and I are currently taking close steps in trying to repair what was damaged with our credit due to this incident. Noone gave AXXXX XXXX any authorization of ANY kind, NO written NO verbal. She has NO CONSENT to pull credit to look at our personal information. 
Within days of this occurring with this employee, she denied all actions. Fifth Third Managers overseeing this employee were to have corrected the entire situation / help correct our credit, yet to date, NOTHING was done to justify her actions or to correct the fact she committed FRAUD.  My wife and I have a copy of my credit report to date showing the fraudulent items related to both the employee/bank actions and that of Mr.XXXX that is the result of THIS identity theft/FRAUD. 
To date, we have yet to have our credit report cleared of these 2 inquiries and have not received the credit report that they pulled on my wife and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AR

Complaint narrative:
Processed required information to move from a regular monthly payment to a discounted, semimonthly payment to automatically be withdrawn on the XXXX  and XXXX  XXXX  of each month. I paid {$4000.00} to initiate the program. That arrangement was initiated on approximately XXXX XX/XX/XXXX. 

Three months later I was notified that I was three months behind on payments again. I contacted AmeriHome again, and they admitted that things were in order, and it should have begun, but I would have to pay another {$4000.00}, which included a late fee. Also, I had to complete the paperwork again. I did as directed. That was approximately XXXX XX/XX/XXXX. Being as it was their mistake, I asked that I be granted a refund of the late fees and was told I would have to send an email with that request. An email was sent to AmerHome that day. Now, almost eight months later I have still received no response. 

In XXXX, XXXX, due to a change in fee structures at my bank I was forced to change the account form which my house payments were being made. I immediately notified all of my utility companies and Amerihome of the account change. I was told to fax a form from their online items. I did so immediately. 

Now, XXXX XX/XX/XXXX I received a letter stating that I am behind again. I called Amerihome to see why the process did not continue. I called them on XXXX XX/XX/XXXX at XXXX and was on hold for 13 minutes and 43 seconds. I was disconnected and called back at XXXX and was on hold for 14 minutes and 28 seconds. When I finally spoke to someone I asked to speak to a supervisor. None were available and I was told I would contacted XXXX, XXXX XX/XX/XXXX. I was not contacted. 

I called again XXXX, XXXX XX/XX/XXXX at XXXX was on hold for 16 minutes and 28 seconds. Upon speaking to an agent I asked to  speak to a supervisor, but none were available as it is their protocol to arrange for a supervisor to call back. I was assured it would be with in the next eight business hours. Again, no return call. 

Incidentally, I am currently on hold with them again now, XXXX XX/XX/XXXX. This call was initiated XXXX and I have been on hold for 21 minutes and counting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I got a car loan with Regional Acceptance Corp back in XXXX. I paid off the loan on XX/XX/XXXX in full in the amount of {$4400.00} through the my bank bill pay since it was a large amount. Money was sent, and withdraw from the account. This was not credit to my account, and it was closed on my credit, but not on my co-signers. I no longer use that particular account that the money is sent from. So I am working on getting the bank statement from that financial institution. I got a call on XX/XX/XXXX stating that they were going to repossess the vehicle even though the car was paid in full. Must be some clerical error on this companies side.

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 2020-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is not mine and has been deleted by XXXX 

Item1 # XXXX {$1600.00} Closed 22 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Deposit Related Balance on XX/XX/XXXX Loan Amount {$1600.00} These inquiries I didn't authorize. 

These lenders have accessed your credit file : XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2020-08-12 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: OH

Complaint narrative:
XXXX  XXXX XXXX XXXX # XXXX I was not aware of the debt and never received a notice. Please provide validation of debt and the procedure used to Validate.. 

XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 


XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX XXXX/XXXX  # XXXX Not my account. Please Verification and Method of Verification. 

XXXX  XXXX  XXXX  Not my account. Please provide Verification, Method of Verification and Validation of Debt. 


XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX/XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 


XXXX XXXX XXXX XXXX Payment history and dates inaccurate, please provide physical verification of late payments, method of verification and validation of debt. This is violation of my XXXX Rights not permission to share my info. 

XXXX XXXX XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and and validation of debt. 

Account # XXXX Incomplete file on XXXX, please remove ; if not please provide validation of debt and method of validation. 


XXXX XXXX XXXX # XXXX Provide the method of verification, validation of debt and assignment of debt as well. 


XXXX  XXXX  XXXX  # XXXX Please provide verification of account, validation of debt and the procedure used to Validate and assignment of debt. 


11 XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate. 

08 XXXX XXXX  XXXX  XXXX  # Please provide verification of account, validation of debt and the procedure used to Validate and and assignment of debt. 


01 XXXX  XXXX UNIVERSITY # XXXX Please provide verification of account, validation of debt and the procedure used to Validate.

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 2020-08-12 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: OH

Complaint narrative:
XXXX  XXXX XXXX XXXX # XXXX I was not aware of the debt and never received a notice. Please provide validation of debt and the procedure used to Validate.. 

XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 


XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX XXXX/XXXX  # XXXX Not my account. Please Verification and Method of Verification. 

XXXX  XXXX  XXXX  Not my account. Please provide Verification, Method of Verification and Validation of Debt. 


XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX/XXXX  Payment history and dates inaccurate, please verification of late payment and method of verification. 


XXXX XXXX XXXX XXXX Payment history and dates inaccurate, please provide physical verification of late payments, method of verification and validation of debt. This is violation of my Hippa Rights not permission to share my info. 

XXXX XXXX XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and and validation of debt. 

Account # XXXX Incomplete file on Equifax, please remove ; if not please provide validation of debt and method of validation. 


XXXX XXXX XXXX # XXXX Provide the method of verification, validation of debt and assignment of debt as well. 


XXXX  XXXX  XXXX  # XXXX Please provide verification of account, validation of debt and the procedure used to Validate and assignment of debt. 


11 XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate. 

08 XXXX XXXX  XXXX  XXXX  # Please provide verification of account, validation of debt and the procedure used to Validate and and assignment of debt. 


01 XXXX  XXXX UNIVERSITY # XXXX Please provide verification of account, validation of debt and the procedure used to Validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Purchased an airline ticket via XXXX which the AIRLINE canceled. I contacted XXXX And they informed me they work help getting a refund, however they have not done that. 

i followed up with opening a dispute with CAPITAL ONE however they have failed to assist in getting my refund. 

I did not get any services rendured from the ticket i purchased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I received an email on XX/XX/XXXX at XXXX stating Garnishment Notification : case file # XXXX for an online loan. After alot of back and forth, the person on the other end of the emails refused to provide me with any further information to identify this " online loan '' not done by me. The initial email of XX/XX/XXXX stated harsh wording, including jail time. I have never taken out an online loan, especially one in question for XX/XX/XXXX. The sender of the emails refuses to provide me with a contact number for themselves. Emails for proof can be provided as evidence if requested. I did advise the sender I have a bankruptcy discharge for all my debt as of XX/XX/XXXX and that debt in question was not mine. The sender is insisting it is mine and claims no identity theft has occurred on my end, so it must be true. 

After reviewing the case file # online, it has been considered fraud and a use of intimidation to get money from hard working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received a Debit card from US Bank/Reliacard. I never applied for this card. Upon further research I discovered that this scam is ongoing in Colorado and I'm in Florida. I have tried for hours to cancel this card using all the Phone number and websites provided and can not get through. I have also contacted one of the three credit bureaus ( XXXX  ) to initiate a fraud alert on my account. I called XXXX  and gave them my name, address including Zip code. I gave them my SSN and Phone number and answered some very difficult questions ( i.e. what's the current balance on one of my credit cards ). I was told that is not enough information to initiate the fraud alert. I GAVE THEM ENOUGH INFORMATION TO OPEN A CREDIT CARD IN MY NAME BUT NOT ENOUGH THE PUT A FRAUD ALERT ON MY CREDIT INFORMATION. I asked to speak to multiple supervisors to no avail. Please help us all!!!

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 2020-08-12 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: CA

Complaint narrative:
In XXXX of 2011, I filed for a chapter XXXX bankruptcy protection. Included in the bankruptcy was an account from a dental office. The office notified me of the unpaid account and I told them that I had unfortunately filed for a chapter XXXX bankruptcy protection and that the account was included. They ended up selling the account to a collection agency. I told the agency that the account was included in a bankruptcy protection. 

I have been trying to dispute it with all three credit bureaus since the inception of the bankruptcy but they keep telling me that the account was accurately reported on my credit. 

The account is now past the statute of limitations, ( four years ) according to the California law. I asked the credit bureaus to remove the account as it is too old to be on my credit file, they did not. Instead, they allowed the collection agency to continue reporting old outdated and bankrupt account to continue causing damages to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: TX

Complaint narrative:
AGAIN XX/XX/20 EXPERIAN IS NOT INVESTIGATING MY ISSUE THEY ARE CLOSING OUT MY COMPLAINTS IN ONE DAY OF RECEIVING IT STATING IT IS NOT ME XXXX XXXX FILING THESE COMPLAINTS! I WANT THIS MATTER FIXED ASAP! I HAVE SUBMITTED MY POLICE AND IDENTITY THIEF REPORT TO EXPERIAN CONCERING TWO ACCOUNTS WITH XXXX  XXXX  XXXX  XXXX  AND XXXX  XXXX  SOMEONE OPEN THESE ACCOUNTS IN MY NAME WHICH ARE APPEARING ON MY CREDIT REPORT THE REP STATED THEY RECEIVED AN APPLICATION IN MY NAME WHICH IS FRAUDULENT EXPERIAN IS TELLING ME I OPEN THE ACCOUNT IN WHICH I DID NOT MY IDENTITY WAS STOLEN. THEY REMOVED AN DELETED THIS ACCOUNT FROM MY REPORT AN IT REAPPEARED ON XX/XX/XXXX THE COMPANY SUPPLIED FRAUDULENT DOCUMENTS. EXPERIAN IS NOT THE POLICE OR FTC WHOM HAS INVESTIGATED AN DETERMINED I AM NOT LIABLE AN I AM A VICTIM OF IDENTITY THIEF!

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: John C. Heath, Attorney at Law, PLLC
State: NV

Complaint narrative:
This is the third time I've tried to get ahold of Lexington law to comply with their letters and documents that they sent me on my issue. D actual nation and getting from the attorneys at Lexington XXXX  getting verbally that there not requesting me to be a client again. I'm a consumer with consumer rights and I have an issue with Lexington law as far as the making me a client with their product. I have documents showing that they have requested that I had Liberty to go ahead and reissue a new client relationship and to have declined me verbally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
We originated an indirect auto loan on XX/XX/2020, and Huntington Financial was selected as the grantor of the loan based on the terms offered. We were informed at that time that we would receive information from the lender, including a coupon book for payments, and that the first payment would be due in 30 days. Three weeks later, XX/XX/2020, no contact has been initiated by Huntington financial. We have received no acknowledgement of our loan, no account information to facilitate bill-pay and no payment information or disclosures. I contacted Huntington 's customer service center today, where I was informed that a payment coupon book was sent earlier this week ( or late last week ), that it may arrive next week or potentially later, and no statements would be furnished. The representative confirmed that there was a possibility that my account information would not arrive until after my first payment was due. Despite the 10-day grace period, if I were to physically mail a check instead of using bill pay, there is a significant likelihood that I would incur late charges and potential detriment to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$76.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX XXXX {$6200.00} XXXX XXXX XXXX XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: Kriya Capital, LLC
State: NY

Complaint narrative:
On XX/XX/2020 I pulled my credit report and noticed that a company by the name of Credence Resource Manage is attempting to collect a debt for XXXX XXXX XXXX for {$300.00}. I have reached out but no information was given to me. I have never had services with these companies. I suspect fraud.

Company response to consumer: Closed with non-monetary relief