vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: TN

Complaint narrative:
Transunion has been reporting that my XXXX score has gone done since XX/XX/2020, due to delinquencies. As a result, the agency has reported a continuously lower score than it reported in XX/XX/2020. At that time Transunion reported my FICO at XXXX. The last score it reported ( last month ) is XXXX. 

The document that is attached shows how Transunion continues to report my score as declining, based on delinquencies that do not exist.

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 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CO

Complaint narrative:
On or about XX/XX/2021 I was notified by BANK OF THE WEST that I was being charged {$70.00} for two overdrafts on my account. The amounts were XXXX CENTS and XXXX CENTS. I was charged {$35.00} for each transactions and neither was paid by BANK OF THE WEST. Both amounts were deposited and were suppose to be withdrawn for verification of my account for XXXX. This is a new account with BANK OF THE WEST and I was trying to link other accounts to the BANK OF THE WEST account, only to be charged {$70.00} for an overdraft of less {$1.00}. I was notified by XXXX that the transaction has gone through, but once I checked my account it appeared BANK OF THE WEST reversed that transaction in an attempt to charge the overdraft fee of {$70.00} for two withdrawals for less than {$1.00}.

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 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I disputed {$2100.00} to a merchant did not receive a warranty merchant ripped me off charged warranty that was never requested or received contacted Wells Fargo WF opened many claims and made several errors I've added a cease and desist to my account and they would not honor my request on my account I refuse to have anyone in the XXXX working on my account Now I don't trust Wells Fargo Wells Fargo never advised me of these debits and have out of the country working on my account which means my account is being processed out of country

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 2021-07-15 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:
I did not consent to, authorize, nor benefit from any of the following Inquiries or Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$280.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$46000.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$1400.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$6600.00} XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDIT MANAGEMENT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans union : On going credit changes due to charge accounts going up and down payed many cards off, no Balances for more than a month dropped my score 60 +. Taken longer to raise my score back up credit is exceptionally well. 

How can you drop your balance, decrease 's and your score goes down 24 PTS.??? 

XXXX  ; same solution but better but not fast to increase your score based on traditional percentage use. 


Thank you for all your help XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
Started trying to refinance my home for a better rate XXXX of last year with AmeriSave Mortgage The home is appraised for enough for the load amount, my credit is over 700, never late on the current mortgage in the last ten years. Assets are there and have been proven to pay the monthly payments. 

Have had to do two appraisals because they keep asking for more of the same documents each month and not close the loan. 

For eleven months I have sent hundredths of documents that they have asked for. Every month they ask for the same documents, then send me another closing document to sign. But never close. 

Then ask for more documents over and over again for eleven months. 

Have never denied me the loan just keep asking for more documents. 

I have complain to there customer service department with no solution. 

No reason this should take eleven months and still tell me going to close just need more documents. 

I am a single parent and small business owner and I fill like they are not treating me fairly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
The Santander consumer financing -Santander must pay {$65.00} XXXX in restitution to be divided amongst the 33 states and the District of Columbia . Over XXXX consumers across the settlement states will be eligible for this restitution. 
-You must have a gotten a loan with Santander between XX/XX/XXXX and XX/XX/XXXX this valid information from - https : //www.santandermultistateagsettlement.com/Information-for-Consumers? XXXX and I XXXX XXXX XXXX XXXX live in nc and opened my loan with these guy sometime in XXXX. 
I definatly qualify but haven't received any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: FL

Complaint narrative:
I have a serious problem with The Experian Boost Program Malfunctioning on a regular basis effecting my credit score reporting.The afore stated problem is on going and I have reported this issue to Experian Member Complaint Department numerous times and I've have been told that they contact the Tech Company that monitors Experian Boost Experian does not have control of Experian Boost and out sources to a Private Tech Company.I have two Credit Card Accounts on Boost that Malfunction Constanly either Disconnected or Permanently Disconnected a long with Failing to Connect to Utilites Associated with the Cards.The Malfunctioning effects my credit reporting on a monthly basis.These issues have been ongoing for months and have not been corrected ruining my credit score.

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 2021-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: LendKey Technologies, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, my granddaughter, XXXX XXXX, applied for a student with XXXX XXXX XXXX XXXX, through a subsidiary XXXX, with myself as a co-signer to attend XXXX University, a HBCU. Before completing the cosigner portion I called the company because of the options was retired and working, but I could only select one. So I asked the rep what should I do since I am a federal annuitant and I am still employed 9 months of the year. He stated I should just report my total income for the year. I received an email requesting copies of my 1099Rs, I forwarded copies of my OPM 1099 R, Social Security 1099R and W2 for my employment. I received another email requesting copies of my 1040s for XXXX and XXXX, which I provided and the last two pay statements from my employer. The next email requested a statement of my retirement account, how much received monthly and how much remained in the retirement account. I called to explain that as a federal annuitant, my retirement is for my life time, provided a letter from XXXX dated XX/XX/XXXX, showing my monthly annuity and deductions that stated at the bottom of the letter that it is a lifetime annuity and a a letter from Social Security stating how much I receive monthly. I called to ask if there was any thing else i needed to provided as a cosigner. On XX/XX/XXXX, my granddaughter received an email stating her loan was denied because of debt to income ratio. MY GRANDDAUGHTER IS NOT EMPLOYED AND HAS NO INCOME, this process took 2 weeks for this run around. On XX/XX/XXXX, we went online and applied for a student loan on Sallie Mae website. In took about 10 minutes and she was approved for a loan for the exact same amount and me just stating I was a retired annuitant. No request for any financial documents. We were discriminated, I believe, on the basis that we were XXXX American borrower and cosigner and for no other reason. I understand lending institutions have different criteria for processing loans. But I was only a cosigner, no the applicant. Sallie Mae 's loan process with a cosigner could not be that different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a account with Bank Of America from 2018, they decide to close my company account and my personal account ( checking both ) for two supposedly check fraudulent deposited in my account in the texas state, they sent me a letter informing me that the will report this to XXXX XXXX causing me a big damage over my person and company, because they said that we will not open a new account for 5 years, this situation was a scam over my company and me is not fair the behaviour of BANK OF AMERICA over my company and I when i was a victim, inclusive i was to the bank and they had a actitud over my person like i was a criminal

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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX and I do not have a contract with CMRE. XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, {$8300.00} XXXX 
XXXX XXXX  XXXX, {$1700.00} XX/XX/XXXX. 
XXXX XXXX XXXX, {$0.00} XX/XX/XXXX I have reached out to these creditors and tried to get this worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX  and I do not have a contract with NATIONAL RECOVERY AGEN plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$3000.00}

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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I frequently go on XXXX  to track my credit. I am planning to make a large purchase soon so my credit score is imperative. 

I always use and pay my credit cards off before they are due ( within 30 days ) so I can access rewards and avoid any loss in credit score points. On XX/XX/XXXX, my credit score was XXXX on Transunion. When I checked on XX/XX/XXXX, my score had dropped 7 points to XXXX. When I called Transunion to ask about this drop in score, I was given the runaround by both the initial person I spoke to and then again by a supervisor. I was on the phone for more than 30 minutes. They gave me all kinds of reasons why my score dropped but none applied to my account. As I said, I paid all my cards off immediately ( before they were due ) in the hope that my score would be returned to its XXXX status but that has not happened. As of XX/XX/XXXX, I still have a XXXX score with very little debt and nothing late, no hard credit inquires, nothing unusual on my accounts and no new accounts. I was under the impression that as long as I paid the debt off in full within 30 days my score would not be affected. This is obviously not how it works but I feel I have been punished for using my card and paying off the debt. The folks at Transunion were not helpful as every reason they gave me that my score would drop by 7 points did not apply to me. The other credit bureaus did not drop my score by 7 points. Please find out what is 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 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Certified letters were mailed to TransUnion, XXXX  & XXXX on XX/XX/2021, to address unauthorized fraudulent information being reported on my credit report. No response 60+ days later.

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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Yesterday ( XX/XX/XXXX ) a lady named XXXX called my parents who lived in another town ( XXXX ) asking about my whereabouts, saying they were trying to get a hold of me in order to serve me. I called XXXX using code XXXX and they said they were trying to collect a debt from Capitol One from XX/XX/XXXX. They said I have 48 business hours before in goes to court and that I owed {$1800.00}. I didn't recall this account and currently have an active account with Capital One. I told the, XXXX would do some research and call her back. I also asked for an email to be sent, which they did send. I called Capital One who directed me to another company which had the old account and they didn't see that the account was given to a law office. They also had never heard of the law office : Whitesonandassociates.com. This company sent me a letter to my email. The company information is as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Another debt collector like XXXX XXXX XXXX XXXX that pretends to collect a debt with out investigation the nature of the truth.

They said the same as XXXX XXXX XXXX that debd is been validated, then when I requested original documentation where shows amounts owed, they just switched to another company. I personally believes this is the game the utilize to rip off people with the excuse of " collecting a debt ''. Their practices are not completely clear.

I have had trying to contact them several times and never answer, neither provide the information requested.

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 2021-07-15 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I just found out about the error when we refinanced our house about a month ago. 
I did not know what NC Financial was on the credit report stating I owe {$540.00} I showed them the letter they sent me in XX/XX/2021 showing I paid off the loan. Around XX/XX/2021 they reported me to the credit bureaus as owing them money. I contacted NetCredit and they deny they reported me. I showed them my credit bureau report from XXXX  and gave them a snippet of the NetCredit owing account. They stated the credit bureaus created that item, not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: OK

Complaint narrative:
In XXXX, I had a legal name change through the Court. I changed my first, middle and last name. I have a new REAL ID State Driver License, Social Security Card, bank account/debit cards, utilities and even my phone account in my new legal name. I have XXXX  American Preference on file with the XXXX XXXX XXXX XXXX, a Certified Degree of XXXX Blood card through my respective XXXX XXXX ( issued through XXXX XXXX XXXX XXXX also ), tribal membership, United States voter registration, Tribal Voter Registration, my State hunting and fishing license all also in my new name - all issued with NO PROBLEMS. I've even had an OSBI criminal history check successfully submitted for housing application with no issues ... ... ..Yet even after all that - the credit bureaus, since XX/XX/XXXX, have refused to update my information. First they told me that if the Social Security Administration has my new name on file and I have the new card with the new name, then I have no problems. Then they told me that is not true. Now I can't do anything - even get through their phone systems, as they all blocked my number and told me I have to write in to do anything from now on. They have refused to update my information repeatedly, and this has gone on for 8 months with no resolution. I have written letters and submitted complaints with absolutely no response. In addition, there is incorrect information on my reports, names that are NOT me and things I never applied for on my credit reports, but because they have blocked me from calling them, I can not do anything to protect myself at all. One credit report said I applied for a credit card in XXXX - and I have not. Same one also said I purchased a vehicle through a loan in XX/XX/XXXX, which is impossible, as I am in bankruptcy! Now I am worried about identity theft on top of it all and no one will help me a single bit.

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