vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I called in to XXXX  on XX/XX/XXXX, to place an fraud alert on my credit profile. There were unauthorized inquiries on my report. They handled the situation, disputed the items, and also placed an alert on my profile. Also, I was assured that I would receive a phone call before any pull will be made.They also assured me that the fraud alert will be placed on XXXX   and Equifax 's bureau. Months later its still happening. I recently found out i was a victim of Equifax 's Data Breach back in year XXXX. I have had no credit activity until several months after the data breach. My information was compromised. I have alot of inquiries on my report from someone trying to obtain credit accounts in my name due to Equifax 's Data Breach. I have not been able to access my report through Equifax 's Bureau. One of them hung up on me. I cant Obtain any information regarding the complaint. I have asked that any hard Inquiry that was placed on my account in the past 17 months be removed, as they were fraudulent and not authorized by me. I couldn't even get them to place a security freeze on my account. I have given them all necessary documents and still nothing. I am asking that they remove all fraudulent activity as referenced above. The only Inquiry that was made by me was XXXX XXXX, nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: VANDERBILT MORTGAGE & FINANCE, INC
State: AZ

Complaint narrative:
I utilize a credit monitoring service. On XXXX I discovered my XXXX  rating had dropped over 150 points. My mortgage is being reported as being " in foreclosure '' despite having a 100 percent on time payment history and being current.

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 2019-12-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I utilize a credit monitoring service. On XXXX I discovered my Equifax rating had dropped over 150 points. My mortgage is being reported as being " in foreclosure '' despite having a 100 percent on time payment history and being current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019 I made an electronic payment to BBVA credit card. My balance in the statement was only {$21.00}, I overpaid them {$170.00} more. On XX/XX/2019 I called to request a refund, customer service asured me that a check for that amount should reach me in 7 to 10 business days. The ticket # created XXXX. On XX/XX/XXXX called again about same issue, they said money was paid electronicly back to my account through a third party called " Free check '' I assured them that they told me that they could not do it elctronicly because I did not have a checking account with BBVA, after going throug a rollercouster with phone transfers, a customer service name XXXX assured me that she was going to do it right, because I asked to talked to a supervicer, she said the same, I should receive it in 7 to 10 businesd days. XX/XX/2019 called again spoke with XXXX, he said the same tha my money was sent to check free and nothing they could do about, asked to talked to a supervicer, waited 30 minutes or so, finally a superviser named XXXX came to the phone, said sorry your money was paid XX/XX/XXXX through check free, nothing we can do about it, is something that is happening all the time, sorry nobody explained you that we returned your money the same way it came through and check free has it or your bank need to follow up on that. She said that she called them in the mornig about another case because is happen all the time. Case # XXXX. Went to a BBVA branch to see if they could escalate my issue, but he just called customer service told him the same, he told me the same follow up with your bank because they paid your money. No help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are several improper reported items on my credit reports. I have tried to reason and or dispute these matters, but there is always a language barrier and a misinterpretation of the information provided. No matter how many documents I provide for proof the debt is never completely deleted. It's sold to another collection company. I have payment arrangements with collection agencies and my debt is sold to get another company and without me knowing my agreement is broken and late payments are on my report. Agreement and accounts that are in forbearance are reported to collection agencies. My report has been paid in full by " me '' auto loan that has been reported as closed without credit for paying off a loan! No increase in my score for paying off debt. No matter how much I pay off my credit scores never go over 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 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are several improper reported items on my credit reports. I have tried to reason and or dispute these matters, but there is always a language barrier and a misinterpretation of the information provided. No matter how many documents I provide for proof the debt is never completely deleted. It's sold to another collection company. I have payment arrangements with collection agencies and my debt is sold to get another company and without me knowing my agreement is broken and late payments are on my report. Agreement and accounts that are in forbearance are reported to collection agencies. My report has been paid in full by " me '' auto loan that has been reported as closed without credit for paying off a loan! No increase in my score for paying off debt. No matter how much I pay off my credit scores never go over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OR

Complaint narrative:
Sometime in late XXXX, XXXX XXXX XXXX requested a payoff amount from Flagstar Mortgage and because of this a stop payment will issued on my taxes. Because of this, my taxes were not paid in a timely manner. My taxes were due XX/XX/2019 and were not paid till XX/XX/2019. XXXX XXXX was waiting for the taxes to be paid and did not communicate or were not informed of a stop payment ( According to XXXX ). I did not find out about all this till XX/XX/XXXX and contacted Flagstar to  pay my property taxes. I spoke to XXXX XXXX from escrow to file a verbal complaint and express my displeasure with the services they provided and he stated it is policy and because I authorized XXXX  to request a payoff and that they were informed of the stop payment they did not need to contact me. I informed them that unless they received the funds for the payoff they are still responsible for ensuring that the taxes are paid in a timely manner. He disagreed once again reiterating they have a policy regarding payment of taxes. Because I informed him I filed a complaint to the CFPB, Flagstar reported a negative remark on my credit report even though I was informed and assured by a rep from Flagstar if I  made my payment before Monday, XX/XX/XXXX it would not happen. I made my payment on Thursday, XX/XX/XXXX. I was also informed by XXXX XXXX to with-hold my XXXX payment because of the loan payoff. I have this in writing as well.

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 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: CA

Complaint narrative:
XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX Telephone Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX Personal Loans Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX/XXXX XXXX State Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  - CARD SERVICE National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX Telephone Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX Personal Loans Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX/XXXX XXXX State Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  - CARD SERVICE National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry.

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 2019-12-07 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: CA

Complaint narrative:
XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX Telephone Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  XXXX Miscellaneous Reptg. Agencies Inquiry date :  XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX Personal Loans Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX/XXXX XXXX State Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  - XXXX National Credit Card Cos.

Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry.

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 2019-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
To whom it may concern : On XX/XX/2019 I applied for a mortgage for {$900000.00} with HSBC mortgage located at XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX and as of XX/XX/XXXX the loan is still in underwriting and my lock in agreement is almost expired. I have supplied any and all documents they have requested in a timely manner and yet no final answer after numerous written and verbal requests that go unanswered. The staff manager XXXX XXXX has not replied to my requests verbally or in writing. The loan officer XXXX XXXX NMLS license number XXXX calls me once every 2-3 weeks with verbal assurances but those verbal assurances go unanswered. XXXX has tried to get the head of underwriting to address this matter but weeks and months have passed with no result. There are many facts to this complaint where serious violations have occurred namely rendering a decision within 30 days after the loan was submitted to underwriting on XX/XX/XXXX. completed file for approval. I have sent updates to the loan officer and to the portal to keep up to date on expired documents but these efforts as well as other attempts appear to be meaningless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I opened my Bank of America Advantage Banking Checking account on XX/XX/2019 under a {$100.00} promo. The promotion promised {$100.00} after two qualifying direct deposits were made that were equal or more than {$250.00} 90 days after opening the account. This requirement was met quickly, within two weeks of opening my account my direct deposit was switched over by me employer. The deposits exceeded {$250.00}. After the deposit requirement was met, the promotion was to pay out 60 days afterwards. I called the bank to inquire and I was told that they do not know. To date this payout has never been paid.

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 2019-12-07 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: DISCOVER BANK

Complaint narrative:
Contacted Discover when I noticed a card had been obtained by my ex husband using my SSN. They would not investigate as I didnt have the security details hed set up. I havent lived in the US since 2015 so no cards or addresses exist in the USA for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have set up the auto pay for Bank of America credit card for pay amount due when bill is received. However it turns out it only auto pays the minimum amount due. As a result, the balance builds up quickly and boa starts to charge a lot of interest on my account. Within three month, it charges me about 10, 20 and 30 dollars for interest.

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 2019-12-07 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: Byrider Franchising, LLC
State: CA

Complaint narrative:
In XXXX I Visited a JD Byrider In XXXX NC. I was young and did not understand how to purchase a car. Today I felt as if I was being scammed for my ignorance, but I was desperate at the time for a vehicle to drive across the state for a new job that ended up not working. The car had issues, and I had driven the car to them a few times to fix it. I was buying a XXXX base level XXXX  XXXX  for around 10 grand. They told me that I would have a credit score of XXXX dollars. What they didn't tell me was the car had many issues, and the interest rate was almost 30 %. Upon losing my job, I had informed them and dropped the car off to them in perfect condition. I wasn't aware at the time that this counted as a repossession since I was the one who returned it because I honestly couldn't afford this car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Before lodging this particular complaint I decided to review my previous complaints and from their very first response they were incorrect! I let them know right away that my partner had passed away and they completely cut me off and quit talking to me. I sent them fax after fax to prove I was the sole deed holder with no response. They wouldn't even confirm whether or not they'd received my faxes for years, yet they stated I didn't let them know this for years. They also stated they had updated my files their second foreclosure attempt but apparently hadn't. They also took my personal checks to pay the mortgage for almost 5 years til one-day out of the blue they just sent my payment back, not 3 years til I couldn't make my payments anymore. And they stated that I was trying to get a government program to help me but requested postponement of my foreclosure to see if approved when I had their approval more than once but was refused by the bank and the final time I just needed an additional week or two for the actual approval let yet was already approved!!! 
My complaint now is that they have stated they need more time to investigate this matter over a month ago and from previous experience I know they will either blow me off indefinitely or they will make up whatever they have to in order to close this case whether true or not. Thank God I have CFPB to supervise this or they would leave this complaint as unreceived, and/or resolved indefinitely!!! 
Bottom line is they stole my house!!! Never acknowledge, talked to, or assisted me in any way to help me AT ALL!!! 
I would now like them to respond!!! Thank You!!!

Company response to consumer: Closed with explanation