vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax uses " financial service '' questions to allow access to your credit report, freeze your report, etc. I don't recognize the answers to the " financial service '' questions and want to talk to an agent who can explain where they get their data. Their " Consumer Care Line '' is a joke. I pushed telephone buttons for ten minutes and was finally told by a robot that I couldn't talk to an agent.

As to past communications with Equifax, they mailed me a verification code to my home address. I entered the code and was sent the '' Welcome to My Equifax '' email of XX/XX/2020 ( attached ). 

When I was still unable to access my account, I tried their " Consumer Care Line '' and was unable to speak to an agent. I then sent them two emails on XX/XX/2020 and XX/XX/2020 ( attached ). They have not responded to either email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I submitted my first complaint on on XXXX. 

" I am a victim of identity theft, and someone opened a checking account with XXXX XXXX XXXX XXXX with my name, SSN, personal info. I have done all the work to recover and I want to review ChexSystems Report to understand if any other checking accounts were opened under my name. I have received the report from ChexSystems but I do not fully understand this report. This report also did not show the fraud account with XXXX XXXX XXXX XXXX. I would like to talk to a human from ChexSystems, but I have not been able to reach any human from that company. '' I got a response on on XX/XX/16, but it does not help with answering my questions. I need to speak with a customer representative, and the response I got was " XXXX XXXX may contact ChexSystems by telephone at XXXX and select other options to speak with a representative. '' Please note I called that number, and there was no option to select " other options. '' I am still unable to speak with a real human being. I would like to speak with a real human from ChexSystems please. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On/around XX/XX/2020 my wife and I applied for an FHA through Rocket Mortgage/Quicken Loans. We provided all requested information, including detailed financial/credit information, after which we were given a " Verified Approval '' letter for up to {$350000.00}. The letter specifically states that our income, assets and credits are verified and that the letter was good for 90 days. Also included in the letter is a {$1000.00} guarantee payable if Quicken Loans is unable to close on the loan due to the same income, assets or credit. Not until our entering into a purchase contract and beginning the closing process, Quicken Loans asked some additional credit questions specifically not asked during the verified approval stage. Based on our answers to these credit questions, Quicken Loans was not able to continue with the loan. We had to back out of the deal, wasted our time, our agent 's time, the sellers ' agent 's time, the sellers ' time, and we lost over a month looking for rental home opportunities. When we inquired as to how to get the {$1000.00} guarantee, our primary contact said not eligible. Customer service said the same, but when we pressed, were referred to their " Senior Research Team ''. Nobody would transfer us to this team. When we were getting transferred, we would wait for 15-20 min before dropping  off as nobody was picking up. We were able to get XXXX on their customer service team who helped to finally get us connected to XXXX XXXX last week from the " Senior Research Team '' ( XXXX ). XXXX said would research and respond by EOB XX/XX/20. XXXX just called to relay Quicken Loans would not be honoring their guarantee as our credit " materially changed ''. Nothing has in fact changed, Quicken Loans just didn't due its diligence or ask the questions it needed to on the front end. There was no dispute when we argued that we gave Quicken everything that was requested and that we answered all questions that were asked. This is nothing short of false advertising, bait/switch, etc. FHA borrowers already have a tough enough situation, so dealing with shady lenders who don't honor guarantees they have put into writing shouldn't be an extra issue put on their plate. We gave Quicken the opportunity to do the right thing and honor their guarantee. They made a business decision not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
During the COVID-19 pandemic there have clearly been increases in online purchases particularly amazon.com. I have been granted a low limit secured credit card which has remained in good standing since inception which is well over 6 months is not a year. However, this low limit has forced me to make multiple payments toward the account and regardless which method of payment is used by me toward the secured amazon.com store card a hold of funds is ALWAYS placed. I have used secured electronic bill-pay through my bank 's online banking service which no other credit lender holds, yet Synchrony fail to see even this form of payment as non-guaranteed. I can understand by Walmart made the business decision to leave this bank as their store card provider. 

In the past, without exception Synchrony customer service has been able to release the payment hold. I am assuming the fact that I continue to use to the same payment method directly via their website using my bank 's ACH information and no returned payment history have allowed this " policy '' exception. I have never had to ask for a payment 's funds be requested until recently with the coronavirus situation and forced increased online purchasing.

Most recently, I had to make another call to Synchrony and ask for another payment hold be released but this request was  declined without reason. Even after attempting escalation with a " supervisor, '' the request was still declined. I was put in a compromising financial position due to these factors and my life was potentially in danger based on the purchase required. It feels unfair and deceptive to cardholders that there are no clear terms set with regards to potential payment holds and how to avoid them.

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 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is sending me offers indicating that if I pay a monthly service fee my credit score will go up.Equifax is suggesting that I should attain mortgage information on my report to increase my score yet, Equifax in turn declines me from being approved on a mortgage then turns around and sends me an email suggesting I pay a monthly fee to raise my credit score. Isn't that bait and switch? Using my personal data, because of my Equifax report can not get a mortgage then sell me product to raise my score. 

The practice of Equifax is manipulating the consumers score to their benefit, hindering the consumer from progressing forward. The consumer will no longer move ahead to to acquiring loans, credit etc. due to the manipulation of credit reporting agencies such as Equifax. 

Equifax offers no reasonable answer or direction as to how many points were gained or lost and or why. It is to their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: U.S. BANCORP
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, want to make the following statement under oath : My last name is 2 words, XXXX XXXX. 
Since late XXXX someone has been using my name to obtain credit while I was stationed with the United States XXXX in XXXX XXXX. 
I was deployed a total of 3 years and 4 months in XXXX and XXXX. These tours were back to back without a break in between. I was seriously injured and spent the better part of my remaining time of enlistment under medical care. During this time I did not actively monitor my credit reports. 
Due to an extended hospital care for combat injuries I have temporally misplaced these military police reports. In wartime the military does not keep records of police reports for easy retrieval thus the need to secure a current identity theft police. 
Every time I provide past police reports, affidavits and correspondences the bad accounts return to my credit reports after a few years under a different name/account number and I have to once again file the same disputes on my credit report. To date I have spent thousands of dollars in legal fees. 
Recently, in XXXX and XXXX there were 16 hard inquiries on my credit reports for a credit card with banks as well as for a fuel card. Twelve credit cards or accounts have been issued since XX/XX/XXXX. I have zero control over these inquires and credit accounts. 
I have flagged and froze credit granting from the three credit reporting agencies. Additionally, there is a fictitious power of attorney that is being actively used under my name as well as a California ID. The stolen identification problem continues to remain an ongoing issue for me. I have also filed a Identity theft report to the Federal Trade Commission. I have attached that report. It is report number XXXX. 
Today, I once again filed a police report with the XXXX Police Department in XXXX, Texas. That report, which I have included is report number XXXX. 
I have not authorized anyone to use my name or personal information to obtain money, credit, loans, goods or services or for any other purpose. Do not grant credit to anyone under any likeness of my name. 

I hereby declare that the above statement is true to the best of my knowledge and belief, and that I understand it is made for use as evidence in court and is subject to penalty for perjury.

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 2020-06-22 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Report # XXXX on XX/XX/2020 from XXXX  verified the acct as being accurate but the communication I received on XX/XX/2020, from a direct dispute with XXXX XXXX XXXX XXXX provided a different alleged amount due, a different address and company name from what is being reported on my credit report. This subterfuge being portrayed can not be verified or validated. It is hurting my ability to obtain credit and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lendmark Financial Services
State: KY

Complaint narrative:
I made a payment on my account, they sent confidential information via email to a 3rd party so now they have my info regarding checking info and account information with Lendmark

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made all the right attempts to have these fraudulent accounts removed from my credit files with all 3 bureaus ... I have never file BANKRUPTCY yet these accounts are posted to my credit file ... my file is thin and has always been ... I have never had many credit accounts ... these are fraudulent .... 

BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX {$560.00} none of this makes sense!!

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 2020-06-22 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: GA

Complaint narrative:
I have made all the right attempts to have these fraudulent accounts removed from my credit files with all 3 bureaus ... I have never file BANKRUPTCY yet these accounts are posted to my credit file ... my file is thin and has always been ... I have never had many credit accounts ... these are fraudulent .... 

BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX {$560.00} none of this makes sense!!

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 2020-06-22 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: GA

Complaint narrative:
I have made all the right attempts to have these fraudulent accounts removed from my credit files with all 3 bureaus ... I have never file BANKRUPTCY yet these accounts are posted to my credit file ... my file is thin and has always been ... I have never had many credit accounts ... these are fraudulent .... 

BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX {$560.00} none of this makes sense!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: CarMax, Inc.
State: GA

Complaint narrative:
on the date of XX/XX/2020 there was an inquiry that appeared on my credit from the company XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

on the date of XX/XX/2020 there was an inquiry made on my credit by XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

On XX/XX/2020 there was an inquiry that appeared on my credit from the company Carmax XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I made a check deposit on XX/XX/XXXX and they said they are going to hold it until XX/XX/XXXX but they already withdrew the money from that check owner on XX/XX/XXXX. What is the reason for them to hold the fund so long?

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 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I XXXX XXXX XXXX have a complaint filed about bank of America stopping me from cash a check from their bank. The check was in my name issue from its own bank .As of XX/XX/2020 Now funds are being stolen from the internal bank system. Employees are refusing to log notes about active fraud taking place. Retaliation. Starting to see elements of unilateral arrangements and contracts. Accountant financial fraud. Misstatement are transparent.

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 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
Initial issue stems from use of my Best Buy CitiBank credit card. A transaction was made in-store and paid in full the following month of roughly {$320.00}. It was my understanding this account was paid in full. Evidently not. I received ZERO notifications indicating late or missed payments and somehow my bill was sent to collections in the amount of roughly {$650.00} after 9 missed payments. Again, with NO notifications. I called BestBuy and waited 45 minutes to talk with a rep who said she couldn't help me, so I asked for a supervisor. 5 minutes later she said I needed to call back because no supervisor was available. I call back and waited 52 minutes this time only to be told the same thing. Im unable to make a payment even if I tried and my online account has been deactivated. I have no way of clearing this debt, of which, I am contesting the amount owed and it's validity. 

I then contacted XXXX XXXX ( XXXX ) to see what information they had and spoke to a gentleman that sounded highly intoxicated, didn't identify himself as a debt collector and immediately asked for my full SSN. He wouldn't accept my full name, which seemed very strange and there was no way im giving my full SSN to someone that can not identify themselves, especially a company I don't know is even remotely valid. 

Please assist in finding details about this debt, who holds it and how to fully dispute the amount owed. My original transaction was only {$320.00} and I paid it in full at the time of purchase. How could my balance possibly be double the original purchase price regardless if payment was made or not?!

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 2020-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
I have repeatedly asked CBE Group to STOP calling me but they don't stop. 

I believe they are trying to collect an old debt that isn't even mine from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DON`T RECOGNIZE THESE ACCOUNTS AND INQUIRIES, I HAVE NEVER APPLIED FOR THESE DEBT, WITH THESE COMPANIES I HAVE NO CONTRACTS OR AGREEMENTS WITH MY SIGNATURE.

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 2020-06-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ON XX/XX/2020 I submitted via fax a dispute for information on my credit report with the three bureaus. The companies ( XXXX  and experian ) are refusing to initiate the disputes based on the information provided which is my current information. I have submitted multiple times, my identification, proof of CURRENT address and social security card. They send the same canned mail saying they can't do it. Their lack of urgency to fix the errors on the report have suffered me great loss. It has been 2 months since I have submitted these documents and I want this taken care of NOW. They are ignoring disputes and not even following protocol. XXXX  has frozen my account without my permission and I can't even access my report to see the inaccuracies anymore.

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 2020-06-22 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
on the date of XX/XX/2020 there was an inquiry made by Ally Financial on my credit report that I did not authorize. I disputed it, and i attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

on the date of XX/XX/2020 I received and inquiry from XXXX on my credit report that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

On the date of XX/XX/2020 i received an inquiry on my credit report from XXXX XXXX XXXX XXXX that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail.

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