vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries and view my credit report. Fraudulent Activities has been reported. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX TD/bank USA/target c XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: VA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo opened a credit card with {$35000.00} line of credit without my knowledge or approval as far back as 2004 ( when I was XXXX years old ) the credit card currently has a debt owed of {$10000.00} and is being used and paid to varying degree every single month. Wells Fargo will not give me access to the account, and will not close it or give me access to it or information about it. I became aware of the issue with XXXX. It has negatively effecting my credit score for almost 20 years. I am not a Wells Fargo client.

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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed an inaccurate address on my Experian credit report 6 times with them. They still have not removed the address from my report and have not provided me with a reason why or proof that they have made an investigation. They continue to ignore my requests with no reason provided to me. My identity has been stolen in the past and I have sent them a police report. I want this inaccurate, false, erroneous, invalid, unfair, unduly information removed from my report immediately.

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 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: VA

Complaint narrative:
My fianc XXXX XXXX had a legit settlement check from XXXX  XXXX  adjuster phone XXXX I have the email and valid claim and XXXX chime frozen my account and I have several deposits on the way I have submitted all documents so did XXXX and I havent received a response or my money I am awaiting my social security deposit and I will fall behind in my bills if I can get my money please help Im being XXXX  discriminated against XXXX XXXX XXXX and Im exspecting my pay check this week

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I purchased approximately {$2000.00} of stocks and some options on the trading app Robinhood Financial LLC. I have been trading stocks on Robinhood for 3 years and everything I have purchased I have been able to buy, sell, and trade options on the securities after I purchased them. Today on XX/XX/XXXX I am no longer able to trade these stocks and options as I normally would be able to, resulting in my ability to earn money. Now the securities are worthless as Robinhood has restricted people from trading the stocks. Robinhood manipulated the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries and view my credit report. Fraudulent Activities has been reported. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Comenity bank/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries and view my credit report. Fraudulent Activities has been reported. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Sears/CBNA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Credit Solutions LLC
State: MA

Complaint narrative:
I have a collection on my report and I have taken the correct measures to dispute the item but it still remains on my report. I initially disputed a debt with GCS ( Global Credit Solutions ) back in XXXX and have proof they received my letter on XX/XX/2020. I waited 60 days before sending a follow up letter on XX/XX/2020. The address provided by the debt collector on my credit report however is incorrect. The letter was forwarded to the correct address. This inaccurate information has really hindered my ability to dispute this item. Also the balance and status is incorrect. The original debt was only {$360.00} not {$3600.00} and has since been paid to the original creditor. I am asking that this incorrect information please be removed from my report.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX Acct : XXXX From the period beginning XX/XX/2020, I experienced continual service interruption issues and was not provided statement credits as promised by XXXX agents. I made repeated calls to XXXX informing them that further payments would not be made on this account until credits that were due and promised were issued on the above referenced account. XXXX has refused to provide a corrected statement. 

On XX/XX/2020, I called XXXX and spoke with XXXX in retention and requested that the service be disconnected and once again requested credits against a final bill. XXXX assured me that credits would be issued and that she was sending me a box inside which all equipment was to be placed and returned to the address indicated on a XXXX supplied return label. Said box was received on XX/XX/2020, and, on XX/XX/2020, all equipment was returned as requested using the XXXX supplied label, and in the XXXX supplied box. To the date of this letter, the undersigned has not received a final, corrected, accurate and reconciled final bill. 

I have disputed this debt and XXXX continues to attempt to collect an incorrect amount, and refuses to provide a corrected bill. Their records will clearly reflect out of service dates and details of my contact with them. I have continually requested a corrected, reconciled statement but have not received one.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, ProCollect added a derogatory mark on my background search for public records as an eviction. Upon further research, this account has been taken care of under my bankruptcy that was filed and discharge XX/XX/XXXX and I am no longer responsible for this account. I have been trying to resolve this matter since XXXX of XXXX and I have yet to receive a reply from ProCollect. This matter has caused hardship in obtaining an apartment or rental house for my family. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt. Im requesting legal action to remove this account as a judgement immediately.

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 2021-01-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: SC

Complaint narrative:
I had been shopping around for a mortgage refinance and was looking to get loan estimates from multiple lenders to ensure I was getting the best deal while rates are so low. In that search, I came across New American Funding and found its terms appealing. I first spoke to XXXX XXXX, a Sr. Loan Officer at New American Funding , over the phone on XX/XX/2021. After we spoke, he emailed a short breakdown of possible refinance options that we'd discussed. He specifically told me I could apply and then look at the loan estimate to see if I would be happy with it before providing them with the required documentation. I proceeded to submit a formal application using the link he provided that evening. Two days later, XX/XX/2021, I checked the website and noticed it was asking for multiple documents from me without providing a loan estimate. I replied to his initial email and asked for an estimate because I wasn't able to see one on the website. XXXX did not respond to this email. The next day, XX/XX/2021, I forwarded the same email to him and asked for an update. He responded that evening by asking how much my home was worth and how much I pay in taxes/insurance ; I provided those numbers shortly thereafter. Monday, XX/XX/2021, I sent another email letting him know I'd gotten my appraisal back and the value of my home came back a little higher than I'd initially said, and asked for an update. Late that evening, he sent a Link to eConsent for faster loan processing -- again, with no loan estimate provided. I responded to the email saying I was just asking for a loan estimate. Later, I consented just in case that was preventing me from receiving the loan estimate ; it was not. Yesterday, XX/XX/2021, I still had not heard back from XXXX and still have not received the requested documentation, which other lenders have been prompt to supply and have been very responsive about. NAF made a hard inquiry on my credit for this refi application but provided me with nothing ; now all they've done is lower my credit score. Per CFPB guidelines, lenders must provide a loan estimate within 3 business days of receiving an application. New American Funding is in clear violation of this rule. It's clear that XXXX and NAF do not value the customer experience or care enough to obtain more business. This has been incredibly frustrating, and ultimately disappointing as I was genuinely considering refinancing my home through NAF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: CBC Companies, Inc.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My identity has been stolen and ran through several credit card companies dating back to XX/XX/XXXX. My credit was ran XX/XX/XXXX by Cap One NA to open up a credit card. On XX/XX/XXXX my credit was ran by XXXX for a credit card. I have not made any of these inquires and have spoken to each company several times to get them removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed 2 accounts with all 3 credit bureaus none of which were addressed. They came back and said the information was verified but did not provide verifiable proof of the debts belonging to myself. I sent certified letters to the collection companies as well and have not heard back from them. The accounts are XXXX XXXX and XXXX XXXX. I am sure you have heard of both with them having to do with collections. I did not give any authorization for my info to be given to these collection agencies regarding medical bills. The amount for XXXX XXXX is {$1700.00} and the amount for XXXX XXXX is {$1100.00}. I have reached out numerous times but nothing has been resolved. I am asking that these accounts be removed and deleted from my credit reports immediately due to unverifiable proof not being provided and no response from the collection agency with proof. I disputed with XXXX, XXXX, and TransUnion and they all said that it came back verified but did not provide proof. Anyone can just match numbers up with accounts or just get the info from an outside third party and not really do any digging. I am asking that you address this matter Please.

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 2021-01-28 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2020, I called and requested an extension for the months of XXXX and XXXX. It was approved and I received a letter dated XX/XX/2020 as proof. In XXXX of 2020, I noticed the late payment on my credit reports and called and called BBVA. The rep informed me that he would report the incident to remove it. In XX/XX/2020, the late payment remained so I called back on XX/XX/XXXX and spoke to XXXX. He claimed the same thing. I even disputed the late payment with the credit bureaus and BBVA refused to remove the late payment. I have made three attempts to have BBVA change the late reporting but all has failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Unisa, Inc
State: CO

Complaint narrative:
I have been regularly paying a private institutional loan to this company since XXXX 2018, but the loan has never appeared on my credit reports. When I asked a representative as to why the loan or was not appearing on my XXXX XXXX report, the company did not have an answer. After reviewing all three of my credit reports, I found that UNISA, INC. was not listed or accounted for on any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have had a free checking account with America First Credit Union for a number of years now and just got told that my free checking is going to be upgraded to a premium checking with a XXXX a month fee. I didn't get asked, I got told. They are automatically upgrading me without my consent. I can't afford to get charged a XXXX a month fee that could cause me to overdraft. They are forcing the upgrade without my consent. I'll either have to close my account or wait for the upgrade and try to downgrade back to free checking once they upgrade me. This is not okay with me. I did not agree to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a Citi priority checking account with a promotion of {$700.00} if a minimum amount was maintained for a certain duration. The account was opened in XX/XX/2020 and all terms were fulfilled sometime in the Fall. I called and was told a W9 form needs to signed ( nobody told me this was a requirement ). So in XXXX, I went into a Citi branch and signed the form. I called numerous times since then and was told to wait 5 business days each time. I believe Citi has deceived me each time as the {$700.00} promotion has yet to be deposited.

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 2021-01-28 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

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 2021-01-28 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation