vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK
State: ME

Complaint narrative:
While currently trying to refinance my home, it was brought to my attention that First Horizon Loans has a lien on my home for a HELOC that dates back to XXXX of XXXX. For weeks, I have been trying to have First Horizon discharge this lien but to no avail. I have contacted First Horizon and have been told they closed this loan in XXXX and that I still have a balance of {$23000.00}. 

I have never received any notice from First Horizon regarding this. I have no records of monthly bills and this is not showing on my credit report. I have asked First Horizon to send me proof of when I received this money and how it was disbursed to me but am being told they have no record of this. 

If I owe this money, I will pay it, but not before they prove to me how and when I received this money. I am writing to ask you for help with this matter. Would you please have First Horizon show proof of or file a discharge for this debt so I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged {$95.00} for an annual card fee for XX/XX/XXXX XX/XX/XXXX. Two weeks later, I called to ask to reverse the fee and change the card to a no annual fee card. 

They changed the card to a no annual fee card but did not reverse the fee. I asked if they could prorate the fee and only charge for 2 weeks. They will not do it. 

I am now paying a {$95.00} annual fee for a card that does not have an annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 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: CA

Complaint narrative:
So I applied for a business loan about a week ago and I was told that I did not get approved but I didn't know why then today XX/XX/20 I got a letter saying that the reason I was not approved for the loan was because there were some accounts with negative history ; I had no idea what accounts they could be talking about so I looked through my credit report and I saw three accounts and some inquiries that aren't mine. I don't know why these accounts and inquiries are on my report or who they belong to but I did not give anyone permission to open these accounts in my name. I did not open any of those accounts and I have never had any contract or agreement with the companies I listed on this report. I did not make payments towards any of these account balances nor did I benefit anything as a result of these accounts that were opened in my name. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-05-27 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: CA

Complaint narrative:
So I applied for a business loan about a week ago and I was told that I did not get approved but I didn't know why then today XX/XX/20 I got a letter saying that the reason I was not approved for the loan was because there were some accounts with negative history ; I had no idea what accounts they could be talking about so I looked through my credit report and I saw three accounts and some inquiries that aren't mine. I don't know why these accounts and inquiries are on my report or who they belong to but I did not give anyone permission to open these accounts in my name. I did not open any of those accounts and I have never had any contract or agreement with the companies I listed on this report. I did not make payments towards any of these account balances nor did I benefit anything as a result of these accounts that were opened in my name. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-05-27 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: TX

Complaint narrative:
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor : XXXX XXXX Inquiry Date : XX/XX/2019

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 2020-05-27 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: AR Resources, Inc.
State: NJ

Complaint narrative:
An old account was placed on my credit report that I have no knowledge of. This is a medical bill and is in violation of HIPPA. This should not be on my credit report. It was removed from XXXX  because it was invalid. XXXX  still has it listed and I want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, I made a deposit on XX/XX/2020. The check is made out to my husband and I. Both of us endorsed the check and the deposit was rejected. I spoke to a supervisor who indicated that the reason the check was rejected was due to a regulation. I have never heard of this regulation and have been banking with Capital One for over 10 years. The supervisor could not provide which regulation and was unable to explain the companys policy. The supervisor asked me to go and physically deposit the check and when I mentioned that we are in pandemic, he indicated that this incident had nothing to do with this. However, this bank has no physical locations in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been a victim of identity theft, a Citi cash rewards card was opened in my name in the amount of {$3600.00} in 2019. Once the card reported I contacted the credit bureaus that advised me to contact the creditor. I have spoken with the company several times, I have submitted police and etc reports. Citi stated they would send out a theft affidavit but I never received it. I was advised Case number XXXX was assigned in XX/XX/2019 due to fraud. They have informed me that I am not liable for the account. The account was assigned to representative and I have left several messages and no resolution. Citi has stated The card and statements were sent to your valid address, which is the same billing address listed on your CFPB complaint. The address listed is not my address XXXX XXXX. My address is XXXX XXXX XXXX . The statements were sent to my address after disputing account and providing accurate contact information. Citi advised me the original opening address was XXXX XXXX XXXX XXXX . I have provided current and past drivers license with tax returns from 2 years showing correct addresses, I have also provided Identity theft reports, and filed a police report with local enforcement.

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 2020-05-27 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:
An old account was placed on my credit report that I have no knowledge of. This is a medical bill and is in violation of HIPPA. This should not be on my credit report. It was removed from XXXX  because it was invalid. Experian still has it listed and I want this 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 2020-05-27 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: CA

Complaint narrative:
The information I sending is about the fraud I found on my credit report I attach the list of the fraud information I found on my credit.

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 2020-05-27 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: CA

Complaint narrative:
The information I sending is about the fraud I found on my credit report I attach the list of the fraud information I found on my credit.

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 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/2020 I went to Bank of America in XXXX NJ to withdrawal from account number XXXX amount of {$780.00} from New York unemployed insurance direct deposit. But teller said she can't withdrawal the money. 

XX/XX/2020 Visit at Bank of America in XXXX NJ again and have conversation with XXXX XXXX Financial advisor. He contacted risk department over the phone and have them explained why i can't withdrawal my money and what happened to my accounts status that showing CLOSE without my permission and without notifying me before closed the accounts. 

She explained that because my accounts have several fraud claims recently and currently have claim number XXXX amount of {$480.00} ( ATM fraud ) claim number XXXX amount of {$490.00} ( Fraud cheque ). That happened because of identity theft and bank false to verify identity. Bank of America release the funds ( ATM withdrawal fraud ) before the cheque clean. 

She said that bank have to finish the investigation before do anything with the money that have left in my account and request me to fax the police report to XXXX. 

Before this situation happened. I have noticed Bank of America several time that my driver license, SSN card, my telephone number and many of my ID include Bank of America debit cards and credit cards have stolen. And i'm victim of identity theft. 

But Bank of America still false to make the solution to verify my identity and protect my accounts. As the result that my online banking account hacked for 3 time, 3 fraud cheque deposit, many unauthorized withdrawal and ATM fraud. While blocked me to access to my owned fund. 

Right now i can't provide hardcopy of police report because the NJ state police department that take care of issue report have closed because of COVID19.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The allegations from this item require immediate dismissal due to fact of inability to contest the derogatory claim ( s ) injurious to me DIRECTLY, as is my consumer RIGHT to do so. As such, I demand the full extinguishing of every aspect of reported delinquency and or derogatory since the factual nature of them can NOT be verified valid nor certified compliantly reported, as MANDATED BY STATE AND FEDERAL LAWS of reporting, true or not! 

Upon attempts to forward my direct consumer complaint challenging the accusers to demonstrate the requisite document verification ( s ) of the claim 's validity in reality and calls for evidence substantiating the perfect and certified compliance of reporting, I received notice back that the data furnisher address, AS REPORTED, was not deliverable to hence INACCURATE. This deficiency of reporting denies me my consumer RIGHT to question and contest directly my accusers, which means its reporting is unlawful and without compliance in full accordance of mandatory regulatory reporting laws and standards, including the required true, correct, complete, and perfect METRO 2 FORMAT REPORTING! DELETE this misreported data TODAY, even right here and now!

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 2020-05-27 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: MS

Complaint narrative:
I have reached out to transunion, XXXX  and XXXX  to resolve this matter, however they are have not tried to resolve this matter. They claim that they verified these accounts with the original creditor, however, XXXX NEVER responded to my debt validation demand, and according to XXXX XXXX, they NEVER conducted an investigation. Furthermore, i have sent 4 letters to all three bureaus pointing out the inconsistencies and these accounts continue to report negative on my credit report.i have enclosed all the letters sent to the credit bureaus and the collection company. Furthermore, neither company has been able to produce documents proving that i owe the debt. i also have asked them on several occasions to delete the incorrect address, as they can jeopardize my identity because i know longer live at those address, and they refuse.

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 2020-05-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX Company Inquiries XXXX XXXX/XXXX   XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Back on XXXX of 2019, I found out there was a 30 day late payment being reported on my Commenity Bank / Victoria 's Secret credit card. I found out because I received a call saying I was late. Since I had been paying them on time every month since I opened the card a year prior, I told them that was impossible. I know I pay my card every month so there must be a mistake. After a long and heated conversation with the representative who called me, they said there was nothing I could do about it. The representative said I was late because funds were attempted to be withdrawn and they could not do so for insufficient funds. 

I called my bank which is XXXX and asked about declining a payment to Commenity bank. XXXX asked me for the date and I told them the appropriate dates. They reviewed their records and informed me no attempt to withdraw funds was ever made by Commenity Bank for those time periods. Afterwards I called Commenity Bank and informed them what XXXX said. Commenity Bank didn't want to hear it and told me there was nothing I could do. I went back and forth between Commenity bank and XXXX for some time and they would both tell me the same thing. Commenity Bank claims there was insufficient funds and XXXX claims there was no attempt whatsoever to have funds withdrawn. After a while I was fed up so I disputed the account with the credit bureaus. The credit bureaus came back saying this account was verified and no changes would be made. 

I know this may not seem like a big deal to Commenity Bank, but its a big deal to me. I make my payments to them on time every month and to hurt my credit report when I know I made the payment on time is just frustrating. Especially when my own bank tells me they have ways of knowing if withdrawal attempts were made and not a single withdrawal attempt was ever made during the time of this 30 day late payment. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries XXXX XXXX/XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-05-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Company Inquiries XXXX XXXX/XXXX   XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2020-05-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation