vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
BOA case # XXXX I last used my BOA debit card at the XXXX XXXX, XXXX XXXX, CA BOA ATM on XX/XX/XXXX. After that transaction, someone withdrew XXXX dollars in theXX/XX/XXXXarea ( unauthorized withdraw 3 times : {$900.00} each on the following dates : XX/XX/2015, and XXXX ) while I had possession of my card the entire time. I discovered this on the afternoon of the XXXX and immediately called BOA to file a claim but wasn't able to reach BOA claim department due to high call traffic. So I filed the claim on the morning of the XXXX as well as filing a police report on the XXXX at XXXX XXXX Police station ( Report # XXXX XXXX. Upon filing the claim with BOA, the representative told me he suspected this as card skimming fraud and I would receive the provisional credit and additional documents in the mail to fill out within 10 days. However, I haven't received the documents nor did I receive the provisional credit but only a letter stating my case had been closed without stating any reason on XXXX, which was written on the XXXX. Obviously, BOA did not do a proper investigation, if any, within a day. Please help to file this complaint against BOA as they have not been cooperative. 
Thank you.

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 2020-12-01 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: CA

Complaint narrative:
Do you want to be the " last man standing ''? XX/XX/XXXX andXX/XX/XXXX have deleted the incorrect items, ( sent via XXXX XXXX. This is precedent. If you do not delete the incorrect items on my credit and raise my score accordingly, ( to what it was ), I will be filling a lawsuit against you on XX/XX/XXXX XX/XX/XXXX, naming both Transunion and XXXX XXXX directly. As previously stated, it will be small claims, no lawyers allowed, and Mr. XXXX will have to make an appearance since he will be personally named, and I will sue you for XXXX 


YOU HAD 30 DAYS AND DID NOT INVESTIGATE. PER THE FAIR CREDIT REPORTING ACT YOU MUST DELETE THIS INFORMATION.

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 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I signed up for the Capital One Quicksilver Rewards credit card after a pre-approved letter was sent by Capital One. I signed up for this specific Quicksilver Rewards credit card because it was and still is stated on the Capital One website to have a cash bonus of {$150.00} after spending {$500.00} within the first 3 months. I was approved on XX/XX/2020. On XX/XX/2020, I called Capital One to inquire about the {$150.00} cash bonus because, up until this date, I had spent well over {$500.00}. Note that all my statements were paid in full well before their due dates. They stated that I was not eligible for the {$150.00} cash bonus although I had the same Quicksilver Rewards card that is stated to have this cash bonus. The customer representative stated that the Terms did not contain this cash bonus information, but after looking at other Capital One credit card Terms, there are no areas that designate terms for cash bonuses. A major contributing factor in signing up for this card was because of the {$150.00} cash bonus that's stated all throughout the Capital One website. Capital One has used misleading marketing and advertisements to gain customers in a fraudulent manner, by marketing a cash bonus for the Quicksilver Rewards card but only applying that bonus in certain conditions. I will be planning to completely cancel my Quicksilver Rewards card with Capital One if I am not granted the cash bonus that was advertised and marketed on the Capital One website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is not correct and too many old addressees that are not mine I have a letter attached to explain

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 2020-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I checked my credit report and there were several collection accounts from XXXX XXXX. I looked into the debt and saw that XXXX XXXX was collecting for accounts opened at stores through Synchrony Bank. I did not open these accounts and I don't know where they came from. The address they have on file is in New York. I do not live in New York nor have I ever. The accounts were at a company called Care Credit, Rooms to Go, XXXX, Pearle Vision, 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 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
Yesterday, XX/XX/2020 I tried to pay my mortgage for XX/XX/2020 online. The website had changed and now won't let me log in until I put in a 6 digit code that they allege was sent to my email. I have never received that code from them, despite trying multiple times to log in. There is no " retry sending code '' button. It just never arrives. I tried calling their hotline, XXXX, but they have said 6 times now that there are no operators to help. I called at XXXX, XXXX, and XXXX yesterday, and XXXX, XXXX, and XXXX today. Each time I call the automatic operator says that no one is there to help me and to call back. They won't even put me on a waiting list or give me a call back option. It literally hangs up on me. I can't seem to speak to a human about this issue with the website. I can excuse the code not sending, although it's annoying, but they should have operators available. I'll wait an hour if I have to, but they won't even let me wait. 

I think I have to mail them a check which I do not trust. Also, there is a fee to pay over the phone. 

Name of the company is Cross Country mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XX/XX/XXXX, CITIZENS BANK add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because Experian has ignored MULTIPLE requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. On XX/XX/2020, XX/XX/2020, XX/XX/2020 I have submitted complaints against Experian about the failure to reinvestigate my dispute. The response Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. This is to confirm that this is sent directly by me. 
Being that they have gone past the 45day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are REQUIRED to ... promptly delete all information which can not be verified. that I have disputed. Please resolve this manner as soon as possible. Thank you. 
Once again this this complaint is being sent directly by me.

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 2020-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) Capital One Bank USA N- {$300.00} Charge off accounts 2 ) XX/XX/XXXX {$300.00} charge off account 3 ) XX/XX/XXXXXXXX XXXX {$33000.00} late payment account 4 ) XX/XX/XXXX XXXX XXXX XXXX {$520.00} charge - off account 5 ) XX/XX/XXXXXXXX XXXX {$260.00} charge-off account 6 ) XX/XX/XXXX - {$910.00} collection account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 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: AES/PHEAA
State: FL

Complaint narrative:
I disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) XXXX XXXXXX/XX/XXXXXXXX XXXX {$300.00} Charge off accounts 2 ) XX/XX/XXXX{$300.00} charge off account 3 ) FED LOAN SERV {$33000.00} late payment account 4 ) XX/XX/XXXXXXXX XXXX XXXX {$520.00} charge - off account 5 ) XX/XX/XXXXXXXX XXXX {$260.00} charge-off account 6 ) XX/XX/XXXX {$910.00} collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/XXXX I put in a dispute with XXXX after discovering that my credit score was negatively affected by an account with Elan Financial, an account I was not aware of nor have had any activity on and was opened by my ex-husband back in XXXX. My name is fraudulently on this account. We were in the process of divorcing at the time and had been separated a year and a half, not living together when this account began, unknown to me. After many phone calls to Elan financial I was never able to speak with anybody who would help me but continually kept getting transferred to another extension over and over again until the phone clicked off. The dispute results with XXXX verified that my name is on this joint account but I did not receive any help on how to get my name off and clear my credit. I did another dispute with XXXX on XX/XX/XXXX and finally had a fraud expert advise me to write to you as well as sending certified letters to XXXX and XXXX which I an in the process of doing. This came to my attention only recently due to the noncompliance of my ex -husband who either defaulted on this account or is late with payments. I am not sure which but I had no knowledge or activity on this account. Part of the account number is XXXX My case number with XXXX is 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 non-monetary relief
Consumer complaint received 2020-12-01 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:
Theres fraudulent accounts on my credit reports. I been disputing very ling time and they dont help. Please help me.

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 2020-12-01 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: FL

Complaint narrative:
Theres fraudulent accounts on my credit reports. I been disputing very ling time and they dont help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am very disappointed with Rocket Mortgage because of the fact that their procedure is very perplexing to say the least. The first representative wanted XXXX and XXXX personal income tax and business taxes along with XXXX-XXXX W-2 's. A Profit and Loss statement, homeowner 's insurance, banking statements, pay stubs. I submitted all of that to the first individual by the name of XXXX XXXX. A few days later he called me and mentioned another name, not my name. I told him it's XXXX. He apologized. No problem, I understand that there is a lot of work. Then I was contacted by a XXXX XXXX and he indicated that all was well, he stated that he would lower my APR from 2.99 % to 2.85 % and waive the {$500.00} if I send all required documents and that I did. There was another associate that called me and left a message indicating that XXXX had the day off which is fine. The representative advised that if had I had any furlough, I advised that I did. He advised he would put this in the calculations. I thought my application was in good standing. My credit scores are above 800 and my FICO 9 is XXXX. I should be approved with these type of stellar numbers. I check my Rocket Mortgage dashboard religiously everyday to see if there are new documents that are needed. Today ; XX/XX/XXXX I get a call from XXXX XXXX indicating that there is not enough income. I pay my bills religiously and I have never been late with any outstanding bills. He then stated that he wanted my wife 's income and I stated everything was submitted. He placed me on hold and still rejected my application. This is misleading and unethical. This is an unfair credit reporting situation that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: PA

Complaint narrative:
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 charge. 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 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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Theres fraudulent accounts on my credit reports. I been disputing very ling time and they dont help. Please help me.

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 2020-12-01 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: NV

Complaint narrative:
These two accounts listed are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I filed a Chapter XXXX and included a debt that is now with a collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX is refusing to remove the account or update as included in my Chapter XXXX Debt. I provided Experian with the Chapter XXXX Information but they refuse to remove or correct the information on my credit file. My trustee confirmed that the original creditor, XXXX XXXX, has received ( 2 ) payments. XXXX XXXX received {$26.00} XX/XX/XXXX and {$23.00} on XX/XX/XXXX. These amounts are not be reflected on my credit report. Experian is allowing XXXX XXXX XXXX to report a past due balance, missing payments, and late payments.

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 2020-12-01 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: Synovus Bank
State: MI

Complaint narrative:
I rented a car from XXXX. I returned the car when requested. They put a {$72.00} hold on my card ( and some change ) However they charged me for two days, because apparently they couldn't locate the car in construction at the airport. I parked where requested but there was no employee there to assist. They charged {$160.00} on XX/XX/XXXX. I called XXXX XXXX to dispute it. They suggested I cancel that card and get a new one to prevent them from charging any more. I did. My dispute started then. They removed the charge from the original card and put it on my new card. Then in XXXX they allowed XXXX to put on XXXX for {$22.00} ; XXXX {$65.00} ; and XX/XX/XXXX {$7.00}. They show on the statements they credited it, but am still requiring payment on it. They never had my new credit card number to get authorization for it, so not sure how XXXX can even charge my card. The bank is showing {$220.00} in disputed charges. But again am requiring me to make payment. I closed my account as the only way to prevent them from allowing more charges and charging me more interest and fees. Can you please help. You can't talk to anyone about it, other than customer service. No email, no fax. You have to plan on at least an hour when you call them as they don't answer their phones, due to " covid '' I don't know how they can continue to allow charges when no one has my new card number or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have previously disputed this account. This is a new dispute with new information. This account is now too old to be reported on my credit report. This account has been " re-aged '' and is violating FCRA bylines by continuing to be reported. 

Account : XXXX XXXX Balance : {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: DISCOVER BANK
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: NV

Complaint narrative:
These two accounts listed are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: NV

Complaint narrative:
These two accounts listed are not my accounts. Please remove them.

Company response to consumer: Closed with explanation