vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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: NJ

Complaint narrative:
My loan on a finance vehicle as a cosigner with XX/XX/XXXXXXXX is being reported in accurate several times after trying to resolve with the company, I was a part of a multi state settlement with XXXX XXXX XXXX and my New Jersey attorney generals office, my account is in litigation and is to not be posted to my credit report because the account was paid off and closed, XX/XX/XXXX my account was showing paid off with a XXXX balance, also received a letterFrom the attorney generals office of New Jersey on XX/XX/XXXX confirming, will attach documents

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 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
I have attempted as indicated by CFPB complaint ID XXXX to inform Convergent that this debt is invalid and possibly fraudulent. The company has yet to provide me with an accurate accounting of the debt. And in speaking with them approximately three weeks ago, I wanted to get rid of this issue so I called to research the debt yet again and discuss settlement options. During the call however, the agent asked if he could stop the recording which I found extremely suspicious. He then began to ask if I had returned all of our phones, to which I replied yes. I used the shipping information and packaging I was sent from XXXX. Then I asked, " is that what this debt is related to? ". Then he began to try and distract me from that issue, and I pressed him to give me the real reason for the debt again with the recording on and he would not so I ended the call.

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 2020-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Barclays Bank is refusing to close my online savings account, which is in good standing and has a {$0.00} balance. I have requested the account be closed several times, but the bank has refused to close the account without providing a valid reason.

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 2020-11-30 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
There is an inquiry on my XX/XX/XXXX credit report from SunTrust Bank XXXX as XXXX, dated XX/XX/2019. I DID NOT APPLY FOR A LOAN WITH THIS COMPANY. The company provided a response claiming that their company name is LightStream ( attached letter ). I've never heard of this company, have never contacted this company, never applied for a loan, and never gave consent to run a hard credit inquiry. Where is the original application? This company did not provide it to me in the last response. It appears this company obtained my information illegally from a third party and placed an inquiry on my credit report. I am just asking for the inquiry to be removed.

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 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I applied for a vehicle refinance loan for a new vehicle purchased in XX/XX/2020. I completed the application accurately and was told my loan was approved. I called the toll-free number provided by Bank of America to complete the process. The loan officer confirmed some information but informed me there was a question about my address. He put me on hold and spoke to underwriting. The underwriter told him they could only verify my previous address and therefore would not be declining my loan. Here is the base of my complaint : 1. They originally approved my loan and provided me instructions on what to do next 2. I have lived at my current address for almost 3 years 3. My wife and I have credit cards with Bank of America at this current address 4. I routinely receive credit card offers from Bank of America mailed to me at this address 5. I have multiple loan products at this address - including the car loan in question as well as my mortgage ; as well as the credit cards with Bank of America 6. They provided no remedy for my situation - the car registration and payoff letter they require for the loan has my current address on it Their process is antiquated and misleading. My credit is accessed and a possible inquiry against my credit has occurred. They initially approved the application then decline it with no reasonable method available to resolve the issue. An address discrepancy is easy to rectify against the documentation they require for the loan in the first place ( registration and payoff letter ). I understand bankXX/XX/XXXX XXXX, and fraud mitigation processes as I have been in the industry for over 20 years. However, their practice of approving a loan then denying it due to misinformation within their own system is unacceptable. Being approved then denied even though they have the correct information on file is misleading. A credit inquiry for a loan denied for the reason they provided is harmful to consumer credit ratings.

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 2020-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Tried to refinance my student loan debt and was denied. We have a mortgage showing in our credit that is being paid off and the company will not allow us to prove that it was paid off. Additionally, they will not quote what the rate will be even though they have pulled credit. This is an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2020 i received an alert telling me a hard inquiry just hit my report and if it was me or not. It was not me. Called the credit card company about it they had already approved the person for the card they then cancelled the card and marked as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Marcus advertised that we can open a joint account with myself and my husband. I successfully opened the account in my name, but received an error when adding my husband after having transferred XXXX of our jointly held funds. We called Marcus, and the customer service agent tried to add my husband but the system prevented her. She said to try again online in 24-48hrs and call if that does not work stating there is a manual process requiring additional documentation. We tried again online and it failed. We called Marcus again, a new customer service agent tried to add my husband and the system once again failed. I asked about the manual process, and she was not aware of one. I requested a supervisor who verified the information and suggested we try again in 24-48hrs. He also stated there is no manual verification process to prove identity. Our money is now sitting at Marcus in my name only. Beyond the frustration of Marcus not being able to do what they advertised ( open an joint account ), there are potential legal and tax ramifications. If I die, my husband would not be able to readily access money that he had full ownership of prior to us trying to open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM financial pulled my credit two times with my consent, agreed on a monthly payment, now theyve pulled my credit score again dropping my credit score without my consent, very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, EQUIFAX MORTGAGE SVCS add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, BANK OF AMERICA add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company 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 2020-11-30 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: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX Account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified and inaccurate account as of today. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XX/XX/2020 - TD Auto Finance financed a new truck that I purchased through XXXX XXXX XXXX in XXXX, GA. I requested the loan to be in my name ( I'm XXXX ) and my grandson 's name ( age XXXX ) but was told by XXXX XXXX finance rep that no finance company would agree to do so. But because I have a good credit they gave me the loan knowing full well that I could not pay this payment if for some reason my grandson was unable to do so. Now the payment is all on me since my grandson can not pay. Also, I have attempted to sell the truck back to XXXX XXXX but they aren't interested. I got a purchase quote from XXXX of {$44000.00} even though the truck has only XXXX miles on it. The difference in what is owed and that amount is about {$25000.00}. I don't understand how a truck with so few miles could drop so drastically in price.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: MI

Complaint narrative:
I have filed disputes against XXXX for reporting an inaccurate balance to XXXX, XXXX and XXXX, 4 times in XXXX and 3 more times in XXXX, each of those times the credit bureaus claimed XXXX confirmed the accuracy of the balances they have been reporting. However, that is not possible as XXXX themselves have admitted reporting the wrong balances to the credit bureaus starting from XXXX through XX/XX/XXXX. They have even sent me a check reimbursing me for the amount they claimed I owed which I did not. I have attached the letter which states the following ; Were writing because we discovered that you were not reimbursed for finance charges as part of a previous credit card dispute. To correct this error, we have issued you a refund for the finance charges and any applicable fees and interest associated with the failed reimbursement. 

For the record I have not and do not intend to cash this check as I believe the amount XXXX owes me is far greater. However, XXXX admissions clearly confirms they have been reporting wrong information to the credit bureaus and have wrongly denied my disputes. As a result and per Federal and State of Michigan laws, XXXX, XXXX and XXXX must delete these tradelines immediately. If XXXX attempts to deny my request they are recklessly and deliberately breaking the law for the sole purpose of causing me harm. This dispute will be followed with a lawsuit against XXXX to recover damages. The letter I have provided is a material fact.

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 2020-11-30 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: MI

Complaint narrative:
I have filed disputes against XXXX for reporting an inaccurate balance to XXXX, Equifax and XXXX, 4 times in XXXX and XXXX more times in XXXX, each of those times the credit bureaus claimed XXXX confirmed the accuracy of the balances they have been reporting. However, that is not possible as XXXX themselves have admitted reporting the wrong balances to the credit bureaus starting from XXXX through XX/XX/XXXX. They have even sent me a check reimbursing me for the amount they claimed I owed which I did not. I have attached the letter which states the following ; Were writing because we discovered that you were not reimbursed for finance charges as part of a previous credit card dispute. To correct this error, we have issued you a refund for the finance charges and any applicable fees and interest associated with the failed reimbursement. 

For the record I have not and do not intend to cash this check as I believe the amount XXXX owes me is far greater. However, XXXX admissions clearly confirms they have been reporting wrong information to the credit bureaus and have wrongly denied my disputes. As a result and per Federal and State of Michigan laws, XXXX, Equifax and XXXX must delete these tradelines immediately. If XXXX attempts to deny my request they are recklessly and deliberately breaking the law for the sole purpose of causing me harm. This dispute will be followed with a lawsuit against XXXX to recover damages. The letter I have provided is a material fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Well Bank of America took my unemployment benefits off my card and left my balance in the negative ... I have Bill 's and I'm a single mom with XXXX kids and lost my job during the beginning of cod-vid 19.. my kids birthday and XXXX is coming .. I'm behind on my rent please help me fix this mess that Bank of America put me in

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 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Friday XX/XX/2020 I received an unsolicited debit card from Bank Relia. 
I phoned them but could not get to an agent without entering private information. There was one phone number for complaints and activation.

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 2020-11-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
Reached out to BBVA to inquire about a refi mortgage with their professional loan program. Asked very SPECIFIC questions about loan rates, buy-downs, costs, LTV requirements, and credit requirements. We were given rates with an email stating that this was for 90 % LTV and credit scores above 700 scores. After giving our application info and meeting all of those requirements for a 3.5 % rate, our loan officer was out sick for a week leaving no one to handle her files or clients, and not even an auto reply ... just no answers for five business days. When she returned, all of sudden, our rate was almost a point higher and our 740-800 credit scores were not good enough for a lower rate anymore. My husband and I were applying jointly, and I ( the cosigner ) NEVER completed my application, yet I get my credit card statement this month ... and a {$650.00} charge was made to it on XX/XX/20 by BBVA. There was no permission for my card to be charged nor did the cosigner ever even complete a signature. We have not even been informed with an email or a receipt giving information as to what the charge is covering. BBVA has displayed fraudulent rates and programs, purposefully misrepresented the program, intentionally withheld true requirements when asked repeatedly by the customers, allowing them to begin processing our loan under false pretenses when there is an email as proof that they were told to cease all operations of our loan application. Apparently now the representative has started the processing procedure by charging {$650.00} without permission to our credit card. We have emails and screenshots to share if it would help to understand this situation better, and we are happy to share the name of the mortgage originator and her license number. This is deceptive and predatory marketing/operations, at best.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express misleading billing policy, inaccurate billing statement and increase interest when a person was not even past due and adding false late fees to my billing statements which caused, excessive interest charges to my total balance and cause an excessive high balance to show up on misleading and inaccurate billing statements, therefore causing me to make over payment on false interest fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: GA

Complaint narrative:
My identity was stolen and a couples were made in my name due to wallet stolen and XXXX credit breach. I submitted all the information to show it was on there and they needed to be removed. XXXX said it was removed but it was still showing on my credit report. Also showing on Transunion.

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 2020-11-30 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: William D. Meeker Enterprises, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, CIC CREDIT add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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