vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
I just log in on My computer and XXXX XXXX ( XXXX ) credit bureau Collection back XX/XX/XXXX And at this time I use to have Insurance card has been presented, why you guys left collection bill on my credit report XXXX XXXX XXXX XXXX CT, XXXX Pa XXXX Dob : XX/XX/XXXX SSN : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
THE MTG BROKER, TITLE ESCROW AND MY SELF HAVE CALLED AND ATTEMPTED TO GET A PAYOFF FROM CURRENT LENDER FREEDOM MTG. FREEDOM HAS LIED AND PERPETUATED THIS FRAUD AND STATED WE HAVE TO SEND THE PAYOFF TO TITLE AND CAN NOT SEND TO YOU THE BORROWER. I HAVE CONTACTED MY ATTY TO HELP BUT IT SEEMS RIDICULOUS ; I HAVE TO GO TO THIS LENGTH TO GET A PAYOFF FOR MY HOME. I AM A XXXX VETERAN AND NEED HELP TO RECOVER THE PAYOFF

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 2020-06-23 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: WA

Complaint narrative:
I have contested a late fee that decimated my credit score with XXXX   XXXX XXXX and XXXX  5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see XXXX ) or low-tier credit reporting agency allow this to post ( see  XXXX  ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: WA

Complaint narrative:
I have contested a late fee that decimated my credit score with XXXX   XXXX XXXX and Experian 5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see XXXX  ) or low-tier credit reporting agency allow this to post ( see Experian ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.

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 2020-06-23 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: NC

Complaint narrative:
Account showing on credit report doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-06-23 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Item information is inaccurate

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Did not receive Way2Go Debit card. Need information to get a replacement card. Company automated service is not allowing the completion of process to request a new card. When placed on hold the call is dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Item information is inaccurate

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 2020-06-23 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Information on credit report is still showing inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: FL

Complaint narrative:
CFPB Complaint Against Capital One XX/XX/XXXX Capital One has repeatedly failed to honor MasterCards Zero Liability policy for disputed and fraudulent transactions by refunding charges for products that were neither delivered nor received. 

After XXXX XXXX. ET on XX/XX/2020, Capital One rebilled {$99.00} for a disputed transaction on a product ordered that was NEVER received. A fraudulent ad was posted on XXXX by the XXXX XXXX on XXXX. The fraudulent {$99.00} charged later appeared as a company named XXXX XXXX. Neither the weights nor the weight bench that was ordered were ever received. NO DELIVERY VERIFICATION WAS EVER PROVIDED BY CAPITAL ONE AS NO DELIVERY WAS EVER MADE. Despite the fraudulent charge and no product delivery, Capital One wrongly rebilled {$99.00} to the account and failed to honor MasterCards Zero Liability policy. 

The prior week, Capital One promised to provide credits in the amount of {$61.00} that XXXX charged prior to a Major League Baseball season that never started and {$110.00} for XXXX whose season was also interrupted by COVID-19. Although both credits were promised a week ago by Capital One, the company never provided either credit. 

Capital One also previously failed to honor MasterCards Zero Liability policy for disputed and fraudulent transactions when XXXX XXXX  charged {$540.00} for an appraisal that was only to be authorized when the banks mortgage approval was conditioned only on such an appraisal. While XXXX XXXX  officer, XXXX XXXX XXXX and her manager, XXXX XXXX both guaranteed that no appraisal would ever be ordered unless XXXX XXXX XXXX approval was conditioned only that appraisal, the bank declined the loan and then processed the appraisal charge that was never authorized per the agreement of both XXXX and XXXX. 

Capital One has unjustly charged a total of {$810.00} and has failed to honor MasterCards Zero Liability policy as none of the products charged for were ever provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 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: NJ

Complaint narrative:
I pulled my credit report to find a XXXX account reporting that I never had. I contacted all 3 bureaus who's reporting this information, and i contacted verizon themselves. All 4 entities advised me that this account has been verified as accurate. The part that bothers me is that the account was opened in XX/XX/XXXX in which at that I was only XXXX years old as I am only XXXX right now. My birthdate is XX/XX/XXXX so there is no way possible I opened a XXXX Account at XXXX years old.. Is that even legal? 

There were also some other inaccuracies I noticed ... Can you please help me with this? ( Screenshot attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Information is inaccurate on report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: NJ

Complaint narrative:
I pulled my credit report to find a XXXX account reporting that I never had. I contacted all 3 bureaus who's reporting this information, and i contacted verizon themselves. All 4 entities advised me that this account has been verified as accurate. The part that bothers me is that the account was opened in XX/XX/XXXX in which at that I was only XXXX years old as I am only XXXX right now. My birthdate is XX/XX/XXXX so there is no way possible I opened a XXXX Account at XXXX years old.. Is that even legal? 

There were also some other inaccuracies I noticed ... Can you please help me with this? ( Screenshot attached )

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 2020-06-23 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: NJ

Complaint narrative:
I pulled my credit report to find a XXXX account reporting that I never had. I contacted all 3 bureaus who's reporting this information, and i contacted verizon themselves. All 4 entities advised me that this account has been verified as accurate. The part that bothers me is that the account was opened in XX/XX/XXXX in which at that I was only XXXX years old as I am only XXXX right now. My birthdate is XX/XX/XXXX so there is no way possible I opened a XXXX Account at XXXX years old.. Is that even legal? 

There were also some other inaccuracies I noticed ... Can you please help me with this? ( Screenshot attached )

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 2020-06-23 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Information is inaccurate on report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Information is inaccurate on 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 explanation
Consumer complaint received 2020-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-06-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I am aware that Santander Consumer is being sued and I wanted to file a complaint against this company due to their fraudulent practices. As a former customer I financed a XXXX XXXX XXXX XXXX and was affected by Santander practices. Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. As a result I was one of the many customers who was stuck with a very high interest rate and my vehicle was repossessed in XX/XX/XXXX. This company engaged in deceptive servicing practices and misled us consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for a Mortgage account and I discovered that XXXX XXXX is reporting a Collection account on my Equifax report of {$2600.00} for past HOA fees. I have never been notified or contacted from this company regarding any fees or to get a chance to validate the debt. I filed bankruptcy and my HOA fees were paid through bankruptcy and also settled with an Attorney for the HOA. I contacted XXXX and disputed the information along with disputing to Equifax. I was told that they are only the messengers and that I would need to contact the HOA. I contacted XXXX XXXX XXXX and they stated that would look into it. I was contacted back and advised that noone indeed contacted me and that the amount on the Equifax report was correct. I submitted Bankruptcy paperwork to both parties and thats when communication stopped. Neither party will return my phone calls nor emails. I have noticed a change in the reporting. It is now reporting as an open account with a {$0.00} balance. It shows 11 late payments. This is grossly incorrect. HOA fees is not an installment nor revolving account. I should not have a pay history with this company as I am not in contract with this company. I paid the attorney for this debt, therefore it should not have been attempting to collect from 2 different Collection group at the same time. XXXX states THEY ARE NOT a collection agency, although that is the status on my Credit report. This is causing denial of credit, defamation, and I am seeking to have the tradeline REMOVED from Equifax for incorrect data, and violations of the FCRA and FDCPA for the state of Texas. The Surety Bond ( XXXX ) to collect debts in Texas for this company has expired.10/29/2019. I spoke with XXXX XXXX of XXXX XXXX and XXXX XXXX of XXXX XXXX ( XXXX ). I have been professional and amicable during this travesty of credit reporting. I am prepared to exhaust all options to have this corrected including suit in Civil court naming XXXX XXXX and XXXX XXXX as Defendants and seeking damages afforded to me by violation of Consumer Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank closed all 10 or 11 of my credit cards without notice. 2 of which i have had for over 10 years and one ( Lowes ) had a credit limit of {$19000.00} with only a {$4000.00} balance. Never a late payment ever on any credit. with this bank. Ever in my life. They closed Belk, both the store card ( 0 ) balance and the Belk mastercard, paid off monthly, American eagle paid off monthly, BP Visa credit card balance paid off monthly, JP Penny used once a year paid off monthly, Care Credit used twice in 8 years had a XXXX balance on it and it is now paid off only because i was so upset. Pay Pal regular card and also the Mastercard they closed, Paypal regular still holds about a XXXX balance, Mastercard holds a XXXX balance-Auto pay is now set to {$300.00} as of today. Gap mastercard has a {$5300.00} balance. Credit limit was XXXX i believe. Said i was a " High risk for Failure to Pay '' Yes i will admit, too many cards.. But a high risk when several of them were paid off pretty fast if you ask me. Yes my score did take a drop, but with fighting a blood condition which I am winning, I am paying credit down in a hurry. High Risk of Failure to pay, but most had XXXX balances and others were paid off monthly, no late payments ever.. The letters attached explain nothing but pure, in my eyes, Stereo typing due to credit score drop. 

All I am asking of for My Lowes card back, my BP card and my Care credit for my cats. That's it. I don't care about the others. 

We used Lowes to finish the 2nd floor of our new home 2 years ago. We own a business as well. Please help us, as this has happened a lot of other people here lately due to the pandemic and it's not fair, people with excellent payment history should not be punished and have credit revoked. Reduce credit limits, send letters, help others, don't hinder. Don't judge, reach out, lend a hand. What is our country coming to? 

Please help I just want my 3 cards back that matter to the most. Without having to reapply. 

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 2020-06-23 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation