vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My wife and I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX we have been on time since XX/XX/XXXX we got in to a dispute over the car not being fixed correctly never was told it still had manufacturing warranty on it it still anti have bank statements to prove we have paid more I argued with XXXX there XXXX XXXX XXXX I had to threaten civil action just to get reciepts to check with bank statements then when I did that they took my on time payements off the credit reports without a explanation I called the companies XXXX XXXX XXXX XXXX and XXXX XXXX XXXX the sale was for XXXX the payment is down to XXXX we have paid over XXXX this proves we paid on time plus more so I disputed to TransUnion XXXX also they said there is no explanation stateing why this happened its was just a act of revenge trying to hurt credit score which caused me a lot damage when my credit was finally getting better then XXXX XXXX XXXX XXXX XXXX XXXX pulled this stunt they did not do what was promised to report to credit report like they were supposed to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Opened bank account in my name, ssn, address but wrong email and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: MD

Complaint narrative:
Mr. XXXX is a victim of identity theft with multiple fraudulent attempts to obtain credit using his personal information. Some of these fraudulent inquiries are reporting against Mr. XXXX credit history at TransUnion and include XXXX / XXXX XXXX ; XXXX XXXX ; XXXX / XXXX and XXXX XXXX XXXX XXXX. 

Disputes, including copies of Mr. XXXX identity and a police report filed by Mr. XXXX avowing the fraudulent nature of these credit requests have been sent to TransUnion on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. However, upon review of Mr. XXXX credit file on XX/XX/XXXX, all disputed and fraudulent inquiries continue to report on his XXXX records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: OH

Complaint narrative:
Told at the beginning of COVID-19 pandemic I would be eligible to put my account in forbearance once out of forbearance missed payments would be able to be added to the end of my loan. Spoke with a rep today ( XX/XX/21 ) and found out that they would not honor that and I needed to pay {$16000.00} out of pocket, do a loan modification which would increase payments, interest rate, and/or length of my loan, or a repayment plan where I pay {$16000.00} in addition to my normal monthly payment over 3 months. 

HomePoint Financial had sold my loan as of XX/XX/21 and is attempting to take advantage of me as they are now saying they were unable to add the forbearance back on my account, even tho I qualified per the Cares Act for the length it promised. The supervisor, XXXX, I spoke with then went on to play the emotion card by threatening losing my house if I did not do the loan modification application today. 

As the call was going no where I asked the supervisor to extend my forbearance per the Cares Act. Supervisor stated I could only have 30 days due to them selling the loan. Informed supervisor that the previous rep had offered 90 days. Supervisor told me once again I had been misinformed. 

Homepoint Financial is taking advantage of the COVID-19 pandemic and using it for their gain. They are not being compliant with the Cares Act and each rep you speak with is offering something very different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This account was closed over three years ago in XXXX, however, the company just recently on, XX/XX/XXXX, reported on my XXXX  credit report that I had a late payment in XX/XX/XXXX, which is not possible since the account has been closed for more than three years. This information is incorrect and inaccurate should be removed from any and all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers listed. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had noticed unauthorized charges on my Capital One account and contacted the Fraud department, I reported the transactions and was credited back. However then I was re-billed for those same fraudulent transactions, even after both Capital One and XXXX  indeed verified it being fraud. 

I contacted XXXX and they admitted it was fraud and that they had " taken a loss '' yet I am still somehow responsible for these charges I did not authorize? 

We validated it as the items were delivered to a random address I am not associated with. 

I was re-billed on XXXX XXXX for {$32.00}, {$48.00}, {$64.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Last year I obtained a copy of my credit report and to my surprise I had a ton of negative and inaccurate items on my report. I tired to reach out to the reporting agencies multiple times and to no avail. I have wrong names, wrong address, and wrong employers on my report. I have debts from companies that I've never done business with or accounts that were paid off that's still showing a balance. According to the rules that I found online the agencies had 30-60 days to respond and provide proof of these debts and it has been well over 120 days with no answers at all. 

I sent letters attesting these inaccurate accounts on XXXX, XXXX, and again here at XXXX. So many discrepancies across the 3 agencies like different account numbers, different amounts and different names and addresses. These items reporting on my report are totally unfair and a complete violations of my rights. The agencies have had adequate time to contact the alleged debtor to provide proof and until then I'd like them removed from my report. I believe my information was a part of the XXXX  and XXXX hack.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
NCC has been mailing and calling me for about 4 months now. I sent 3 cease and desist letters and they still keep calling and mailing me. I even told one of the collection agents that I sent 3 cease and desist letters. She said she would make a note of it, but the collection activity continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TX

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: NJ

Complaint narrative:
This account was closed over three years ago in XXXX, however, the company just recently on, XX/XX/XXXX, reported on my Equifax credit report that I had a late payment in XX/XX/XXXX, which is not possible since the account has been closed for more than three years. This information is incorrect and inaccurate should be removed from any and all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: IL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Bank account open that i have no knowledge of opening. No fraudulent activities were performed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union I spoke with them about my credit score. The score they are reporting is much less than the credit bureaus and it does not change. Which they use to determine my credit limit. This is unfair and wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Opened bank accounts using my name, ssn and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: GA

Complaint narrative:
I checked my consumer report and saw that the credit bureaus are committing fraud. As per 15 US Code 1681 Section ( a ) ( 4 ) the bureaus are violating my right to privacy. I never gave them permission to report anything on my behalf. I mailed the bureaus on XX/XX/21 and have saw no response. I am trying to refrain from filing for litigation, but i do no feel like my concerns are being taken seriously by Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Accounts open not by me and overdrawn

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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
A company pulled my credit report without my consent or authorization. Hard inquiry!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: LEXISNEXIS
State: NJ

Complaint narrative:
I had recently discovered that XXXX XXXX XXXX, are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

By sharing my ( Bankruptcy # XXXX ) with XXXX XXXX, XXXX  XXXX XXXX  which it clearly state on my credit reports that these CREDIT BUREAS use your company to report informations on my credit file. ( letter attached ) Because your company shared my personal information thats a VITAL violation of my consumers right to privacy under the fair credit reporting act 15 U.S.C. 1681 et seq., Congressional findings sec. A 4. Because i never give my consent or permission to Lexis Nexis to furnish my personal information to anyone. I DEMAND YOU, XXXX XXXX, XXXX AND XXXX  remove the bankruptcy IMMEDIATELY FROM MY FILE as YALL knowingly violated the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
FOR SHARING MY PERSONAL INFORMATIONS. This item ( Bankruptcy # XXXX ) should be removed IMMEDIATELY I have attached a VERIFICATION PROCEDURE LETTER from US bankruptcy court District of New jersey where it state that they DO NOT report information directly to the CREDIT BUREAUS. 


The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA ONCE YOU HAVE REMOVED ( Bankruptcy # XXXX ) PLEASE SEND ME A UPDATED REPORT THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I made a payment of {$300.00} on XXXX XXXX through the Allly Auto App. The goal of this payment was to decrease my principal amount. Instead the amount was applied to the monthly payment amount {$650.00} due on XXXX XXXX. I called customer service to inquire as to why my payment was not applied to my principal and was informed the app does not give you the option of making additional payments toward principal only unless it is more than the amount of the payment due. I have my regular payments set to auto pay and believe that this practice is unfair to those who do not have than the monthly payment amount available to make toward an auto account. The customer service manager informed me that in order to have a payment applied to the principal of my account balance that is less than the monthly payment. I would have to call the customer service center. It is a great inconvenience to have to call to make an additional payment because Ally does not consider a small payment toward my debt worth calculating through the Ally App.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Please review and note my perfect payment history speaks for itself, the reason I was late for these payments were extraneous circumstances, I did not receive statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I applied with XXXX  XXXX XXXX to have my credit limit on my credit card to reflect more money. One of the reasons I was denied was to many credit inquiries on my report in the past 12 months. Before this I have not applied for anything that would require a credit report. This letter I received was XX/XX/2021 2021

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