vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On Saturday XX/XX/2020 we attended a XXXX XXXX Update at XXXX XXXX XXXX XXXX. XXXX XXXX SC. Shortly thereafter I receive 2 Vacation Club Credit Account Statements in the mail from Comenity Bank. I did not sign any paper work requesting these accounts. I never received an actual card but the mail that came to me had the entire credit card number printed on it, along with the credit limit. This came in the regular mail. If it had gotten into the wrong hands, they would have all of my information. 

Since I did not ask for this card, I do not understand why they opened an account. it had to have been done through XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX I mailed a letter disputing a collection from front line, TransUnion removed that collection onXXXX. Now, its reinserted as of XXXX. It is against the law to reinsert after a collection has been removed. I also sent in a letter on XX/XX/XXXX stating 9 inquiries are fraud and need to be removed. They are still there!

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 2021-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: MO

Complaint narrative:
This is the only way to report an auto lender I have not asked for lower rates due to my current financial situation. However they have called a reference and told them I'm late on my payments after I told them to stop calling and start texting, emailing, or sending information through the mail. They refused any of those methods for " security '' even though I've okayed those and only those methods of contact. I would have left phone calls available except they call 4 or 5 times a day if you don't answer. They harass people for being 30 days past due.

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 2021-10-28 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: FL

Complaint narrative:
I have been sending disputes to Experian about a public record on my profile and they are not investigating or taking any actions. I have already filed 2 complaints here and neither CFPB and Experian is doing anyting. I send them a letter saying that the courthouse does not verify with them about the bankruptcy and I requested my XXXX to be freeze and they keep saying is been verified as accurate. XXXX and XXXX have already deleted those items.

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 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/2019 {$2500.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I own a XXXX XXXX  XXXX  XXXX in New Jersey. 
Beginning XX/XX/XXXX the Bank of America allowed the theft, via ACH transfers, amounting to {$440000.00}. The thieves moved monies in then out of the account. 
We caught the activity on XX/XX/XXXX and notified the bank. It was very hard and took a long time to secure the account. 
Bank of America had no monitoring of any kind. They missed credits and debits of {$.00} which is how the thieves tested the account. The transactions were enormous and out of sync with our banking history, they did nothing. 
Now we find out that we may not get any of our money back. We didn't even know it was being stolen. If a XXXX XXXX XXXX  banks with Bank of America they are at extreme risk of losing their money. 
The debit and credit dates and amounts are as follows : {$28000.00} DEBIT XXXX {$9800.00} DEBIT XXXX {$39000.00} DEBIT XXXX {$59000.00} DEBIT XXXX {$60000.00} DEBIT XXXX {$190000.00} DEBIT XXXX {$47000.00} DEBIT XXXX {$170000.00} DEBIT XXXX {$79000.00} DEBIT XXXX {$63000.00} DEBIT XXXX {$64000.00} DEBIT XXXX {$820000.00} TOTAL DEBIT {$63000.00} CREDIT XXXX {$64000.00} CREDIT XXXX {$79000.00} CREDIT XXXX {$170000.00} CREDIT XXXX {$0.00} CREDIT XXXX {$0.00} CREDIT XXXX {$380000.00} TOTAL CREDIT {$440000.00} STOLEN FUNDS

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 2021-10-28 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
I refinanced with United Whole sale Mortgage ( UWM ) in XX/XX/2021. Since I refinanced my mortgage with UWM I have never received a mortgage monthly statement from this company. I have called several times, repeated requesting UWM to mail my mortgage statement prior to due date of payment but they have not done so. As I file this complaint, XXXX  has still not mailed a copy of my mortgage statement for month of XX/XX/2021. 

Sometime in XX/XX/2021, I saw in increase in my mortgage from UWM by {$10.00}. When I called to speak to a customer service agent they started giving me a runaround. In two occasions, I spoke with two females agents who did this to me. Another time, I spoke with a gentle who apologized for this mistake but rerouted me to an answering machine and never sent the email or mail the mortgage statement to my home address. 

On XX/XX/2021 I sent email to UWM to mail my mortgage statement to my home address. This is the last time I'm making this request. That if I don't hear from UWM within 10 business days, I will pursue the next line of action.

UWM is violating the law by not mailing mortgage statement to customers home address. What if I don't have internet, I will not be able to pay my mortgage.

The I deserve the right to have my mortgage statement mailed to my home address, just like my bank statement and other bills.

The United States Postal Service ( USPS ) was established in the Constitution with Congressional approval. Email will not replace the USPS and is not a substitute for mailing mortgage statements unless the homeowner specifically gives consent in writing and signed up for online deliver which I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: FL

Complaint narrative:
Information was placed on my report that should not be there. I was never notified of the information being placed on my credit report. The information is not accurate and fraudulent therefore it should not be on my report. Please delete items as they are having a negative impact on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delivery Financial Services, LLC
State: AL

Complaint narrative:
Remove creditor from credit report This is not my debt - Creditor doesnt show my name in their system nor amount that has been entered on my credit report, not service Request removal asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my personal credit report and I noticed multiple credits Inquires that I do not recognize that have been made, I've tried disputing all fraudulent inquires with XXXX and got no help from them, their website states to contact the creditor if I dont recognize the inquiry it does not say any-thing about police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: FL

Complaint narrative:
Experian is reporting a fraudulent XXXX account that doesnt belong to me. XXXX XXXX ( balance {$7400.00} )

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 2021-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ny XXXX Date Of Sale : XX/XX/XXXX Westlake Financial Acct # : XXXX Westlake Customer Care XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Attn : Executive Offices Mr. XXXX & Mr XXXX Thank you for all your assistance in this matter. Please consider this letter to be the first attempt to rectify the credibility of the sale of the XXXX XXXX XXXX XXXX taking place Tuesday, XX/XX/XXXX. 

The Current status of the loan is repossession, Due to a payment error. Westlake Financial states that funds were not received in a timely manner, although I authorized payment. I am not experiencing any curtailment of income to cause a discrepancy of this sort. ( MISSING PAYMENT ). Please review to reconsider the details of this matter. 

On XX/XX/XXXX during a phone call wirth Westlake Financial, I authorized payment via customer solutions inbound by providing my card information. However, my bank never received a request for that payment. After speaking with a Westlake representative a second time they verified on XX/XX/XXXX. I noticed the balance in my account had not decreased. The rep informed me of the current status of my delinquent payment. Although they verified I previously spoke with them, they had no explanation as to why the payment was never processed. I reauthorized and reprocessed the payment. To never deal with this confusion again. Automatic payments are set in place to assure future on time payments.. If the payment was processed by Westlake during that phone call, the payment would have been 6 days late, not 10. As per your contract it states if the first payment is late, there would be a 10 day grace period for submission along with a late fee. 

Please consider carefully reviewing and exhausting all efforts to rectify this account. As this seems to not be the best car buying experience. I trust that your team is dedicated to servicing your clients. Looking forward to a formal follow up. 
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 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I sent 2 principle payments to The Money Source to the address that they provided for sending cashiers checks for such payments. Thy have confirmed that these have been received on XX/XX/2021. However, as of today they have yet to apply the payments to my account and have indicated that they are moving the checks internally ( initially they indicated they were sent from CT to AZ and now they indicated they were sent to TX ). I have had numerous calls with no clear timeline or path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I recently found out about an account that Synchrony Bank opened without my knowledge or consent. For reasons still unknown to me, Synchrony Bank closed all XXXX credit accounts that I held with them, with some accounts dating back to 2013. No credit reporting agency was referenced in these account closure letters, which according to the documentation from Synchrony Bank provide on the reverse of the letter, means that a credit report was not utilized in the decision to close my accounts. 

Curiously, when I received account closure letters, I received a letter referencing an account that I never opened. This account is supposedly a " Sam 's Club Mastercard account ending in XXXX ''. Obviously, with some of the fraudulent activity financial institutions have been involved in such as XXXX XXXX opening fraudulent accounts, I would like this account to be investigated. I have been unable to receive any additional information from Synchrony bank as to why my 9 accounts were closed, and even more concerning, have not yet been able to receive any information as to when, why, and how this " Sam 's Club Mastercard account ending in XXXX '' was opened. 

This account likewise does not appear to be a fluke, when I called the phone number for this account, I was told my account was closed and had a XXXX balance without any further information. Further, I was unsuccessful in receiving an account opening date from Synchrony for this account.

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 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBK, Inc.
State: KS

Complaint narrative:
I have been receiving repeated calls and letters from Collection Bureau of Kansas beginning on XX/XX/XXXX. The agent tells me I owe money to the city of XXXX, Kansas, and requests personal information in exchange for the details. I called the city of XXXX, Kansas myself on XX/XX/XXXX at XXXX at ( XXXX ) XXXX, then ( XXXX ) XXXX and was told I have no debts with them under my current name, maiden name, or alias, and they stated there is no debt under the name of my brother, who's name is similar to mine. I called CBK back on XX/XX/XXXX at XXXX and notified the agent of what the city of XXXX, Kansas told me. I am unable to find the first letter sent from CBK, but the second letter is dated XX/XX/XXXX. It is addressed to a name that is a composite of my and my brother 's name. I haven't lived at the that mailing address since at least XXXX and my last name changed by marriage in at least XXXX. I have blocked the phone numbers calling after stating I have no debts with the city of XXXX, Kansas. CBK calls from a new number after noticing they've been blocked. Log of phone calls is below : ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX Many of the recent calls have nine-10 second long empty voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
Reported errors for over 2yrs using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes to fix this and nothing happened, i asked for the accounts to be dele/ted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything for dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

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 2021-10-28 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: GA

Complaint narrative:
Reported errors for over 2yrs using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes to fix this and nothing happened, i asked for the accounts to be dele/ted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything for dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: FL

Complaint narrative:
I checked my personal credit report and I noticed multiple credits Inquires that I do not recognize that have been made, I've tried disputing all fraudulent inquires with Transunion and got no help from them, their website states to contact the creditor if I dont recognize the inquiry it does not say any-thing about police report

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 2021-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Freedom Mortgage raised my payment XXXX XXXX They said was because I needed an escrow cushion, now I don't pay taxes so they can't raise and my insurance just went down. I pay extra on my payments so why do I need a cushion. They say I'm short by XXXX minimum balance of XXXX, required minimum balance of XXXX. Now in 14 yrs I've never needed a escrow cushion. I haven't had problems like this since XXXX XXXX but those got straightened out.I don't lie I don't steal and I don't cheat. I will not stop I will not quit until I get this straightened out.I will be talking to that broker who hooked me up with freedom mortgage and the Attorney General I'm coming..

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