vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently pulled my credit report and noticed four hard inquiries on my report without permissible use. According to the FCRA, they should be removed. 
CLARITY SERVICES INC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL, XXXX Line of credit on behalf of XXXX XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX SD, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX FL, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX  nquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Rental on behalf of XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/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 2021-01-04 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-04 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
Received unsolicited debit card from US Bank. Identity theft?

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 2021-01-04 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:
I have wrote All 3 credit bureaus and they have yet to respond to my certified letters which is in violation of the FCRA. There is information that does not belong to me on my credit report, an they have shown negligence and are causing me financial distress. 

Experian has a account that is listed twice that is not mines : 1. XXXX  XXXX XXXX {$1500.00}. 
and 2 charge offs on all 3 credit bureaus that are not mines 2. XXXX XXXX- {$160.00}. 
3. XXXX XXXX {$840.00}

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 2021-01-04 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
My credit report shows an inquiry was done on my credit report by SYNCB/SAM 'S XXXX. I have not authorized any company to check my credit report and not have applied for any credit or other situation that would require a credit check.

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I HAVE CAPITAL ONE CREDIT CARD I WOULD LIKE DISPUTE LATE PAYMENTS AS GOOD WILL CANT GET ANYONE ON THE PHONE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: NV

Complaint narrative:
On XX/XX/XXXX a check from XXXXXX/XX/XXXX was sent to Yamaha Motor Finance for {$290.00} as of XX/XX/XXXX the check was still not received by Yamaha Motor Finance at this time XX/XX/XXXXsuggested that I put a stop payment on the check due to it possibly being lost by USPS. 
I did put a stop payment on the check and XX/XX/XXXXissued a letter that was sent to them on this same date explaining what had happened. 
Yamaha Motor Finance stated they never received the letter which I had email it to them on XX/XX/XXXX XX/XX/XXXXXXXX XXXX To : XXXX Sat, XX/XX/XXXX at XXXX XX/XX/XXXX I had also called them to let them know about this. 
I was told by the customer service that it would not be an issue due to that I was ahead on the account. 
I then sent a cashier 's check number XXXX in the amount of XXXX on XX/XX/XXXX to cover the canceled check. 
I called this morning XX/XX/XXXX to verify that they had received the cashier 's check because I noted that my account was not updated. They told me that they have not received the cashier 's check as of this date. 
I still also have not had any statements sent out since the last complaint filed. 
I am not sure what is going on with this company, service is really poor. 
Someone needs to investigate Yamaha Motor Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Student loans on account was reported as identity theft and the investigation has went past 90 days. An Identity theft was filed in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I closed my checking account with Capital One on XX/XX/XXXX and Capital One re-opened my account on XX/XX/XXXX and posted a chargeback of XXXX because of a dispute I had that they had credited me for 3 weeks prior, then decided to take back, when they failed to do a proper investigation of XXXX, because my computer that I bought from them caught fire and I wanted my money back! I have all of the emails proving I did everything that Capital One asked of me, only for them to LIE and say I did not cooperate. Obviously Capital One forgot my emails are proof that they failed to do their job and lied about me not answering their questions via email. I told them repeatedly via phone call to close my account and they said they can not because of the chargeback they did and that when there is a dispute the account has to stay open for 60-90 days. Well if that's the case, account should be closed because the complaint was opened XX/XX/XXXX and it's now XX/XX/XXXX the 90 days is up! yet my account with the bogus chargeback is still open.Capital One knows about the stimulus checks coming obviously and they are trying to steal it! that's why they are refusing to close the account they reopened without my permission and are still refusing to close it! Instead they put a permanent restriction on my checking account, so if any money is deposited, I wont be able to get it. Capital One are liars and thieving crooks and it's because of them why my personal information is on the dark web!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
I have wrote All 3 credit bureaus and they have yet to respond to my certified letters which is in violation of the FCRA. There is information that does not belong to me on my credit report, an they have shown negligence and are causing me financial distress. 

XXXX  has a account that is listed twice that is not mines : 1. California business bureau- {$1500.00}. 
and 2 charge offs on all 3 credit bureaus that are not mines 2. XXXX XXXX- {$160.00}. 
3. XXXX XXXX {$840.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: ME

Complaint narrative:
I started the process of a mortgage refinance with AmeriSave Mortgage on XX/XX/2020. My credit was checked at that time. I have paid for several inspections, as well as the appraisal on my home totaling over {$800.00}. 
Over the next two weeks I provided every document requested of me and the appraisal was completed on XX/XX/2020. 
Since then, there has been no movement on my loan and they are saying they are evaluating assets and my credit even a month later. 
I have tried several times over the past week to contact my loan officer, XXXX XXXX via email and telephone. I have left several voicemails and have not received any response. 
Today I called AmeriSave 's 1-888 number, the first time I was put on hold and the line went dead. The next few times I tried calling the line would go dead after just 2 rings. 
I Attempted to use the online chat feature and chatted with XXXX XXXX over the course of nearly an hour. During that time, he said that my loan number did not exist in the system, then later said that XXXX XXXX would contact me. When she finally did contact me, I was notified that I still do not have a closing date, and my interest rate is still not locked in despite the underwriting being completed. 
Upon further research, I found that AmeriSave has in the past been fined for doing a bait and switch scheme on customers and I am suspecting that this is still the case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
In XXXX of XXXX I decided to refinance my mortgage through XXXX. During the closing process, XXXX made an error on my closing paperwork which caused an incorrect amount of tax to be collected and paid their title company. Once the loan was closed, XXXX refused to answer any emails or calls and directed me to their servicer partner, TMS, who took over my loan in XXXX of XXXX. On XX/XX/XXXX of XXXX TMS told me they were transfering my mortgage to XXXX XXXX and not to make any additional payments to them. XXXX XXXX never received my loan from TMS and when I contact TMS to resolve the issue they never answer or call back. I called them by phone on XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX to attempt to resolve the issue but after 1 hr waits each time the line disconnected. I also emailed them on XXXX, XX/XX/XXXX and XXXX but have not heard from anyone. TMS is telling me they have transferred my loan but also to pay them or I will be in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that's when I learn that my identity was stolen and my name was used to create fraudulent account in my name, I have been disputing these accounts but I haven't gotten any responses, just the confirmation of theses accounts, I have called the creditors and sent letter to each and every one of the creditors, this report is the first step to document this incident and hopefully the start of cleaning my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that's when I learn that my identity was stolen and my name was used to create fraudulent account in my name, I have been disputing these accounts but I haven't gotten any responses, just the confirmation of theses accounts, I have called the creditors and sent letter to each and every one of the creditors, this report is the first step to document this incident and hopefully the start of cleaning my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
XXXX requested deferral under the Cares Act due to loss of income XXXX approved for 3-month deferral beginning XX/XX/XXXX through XX/XX/XXXX XX/XX/2020 XXXX begins the process of requesting an extension XX/XX/XXXX through XX/XX/XXXX follow up multiple times a week to request status of the appeal and provides any and all requested documentation XX/XX/XXXX receive letter denial of extension XX/XX/XXXX began process to appeal denial XX/XX/XXXX lender requests additional documentation XX/XX/XXXX call SLS have conference call with SLS and my attorney due to no update on status on appeal XX/XX/XXXX property is sold XX/XX/XXXX SLS sends satisfaction of mortgage letter XX/XX/XXXX begin purchase of property in Texas XX/XX/XXXX lender contacts me to provide documentation of forbearance as credit bureaus show the account was closed as 120 day late XX/XX/XXXX call SLS requesting letter showing forbearance period XX/XX/XXXX call SLS for status on of my forbearance letter, told SLS decided not to send letter and was just correcting bureau. Told SLS to send letter I requested, was told would be getting response in 48 hours XX/XX/XXXX receive letter stating that they completed a request to take the forbearance of the mortgage ( which was not requested ) and payments to begin XX/XX/XXXX on a mortgage that is paid off and closed XX/XX/XXXX call SLS with mortgage broker to get his assistance to have them correct the account. SLS stated they have 30 days since I called on XX/XX/XXXX to correct the account status with the credit bureaus. When requested documentation be sent to me for proof of what the agent stated on the call. She hung up.

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 2021-01-04 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: IL

Complaint narrative:
I have sent Experian and XXXX verification letters regarding inaccurate letters that appears on my credit. They always said " Verified '' but never actually send me the tangible verification documents that say that debt belongs to me. I do not recognize them. I never signed up for them. 

I am requiring them to send me documents that those debts belong to me or I will be suing for having such information affecting my life and finances. 

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 2021-01-04 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
On the XX/XX/2020 I went into XXXX XXXX to inquire about the possibility of buying a new truck. At the time they had a deal where they were offering low to no interest and no payments for 90-120 days. I wanted this deal and this deal only. I applied for the credit with XXXX and was rejected, however the former Sales Manager ( who was about to retire come to find out ) arbitrarily shopped my name around to several banks to get me qualified to buy they truck. I made it clear I did not want a bunch of credit inquiries to my credit. Just the one, via XXXX. 

Now fast forward 7 months and 4 inquires remain that should not, despite me calling the credit bureaus, the companies themselves and even XXXX XXXX advocating and sending letters to remove the credit inquiry from my report. 
-Ally Financial, Inc. XX/XX/2020 still remains and shall be removed. 
-Ally Financial XX/XX/2020 still remains and shall be removed -XX/XX/XXXX XXXX XX/XX/2020 still remains and shall be removed -XX/XX/XXXX XXXX XX/XX/2020 still remains and shall be removed as XXXX solicited my business with them, without my express consent, in fact, against my word as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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:
These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely

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 2021-01-04 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:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX XXXX ( Never Late ) Reported : XXXX. XXXX, XXXX {$9900.00} XXXX XXXX XXXX ( Never Late ) Reported : XXXX. XXXX, XXXX {$0.00}XX/XX/XXXX XX/XX/XXXX ( Paid in Full ) Reported : XXXX XXXX, XXXX {$390.00}XX/XX/XXXX XX/XX/XXXX ( Paid in Full ) Reported : XXXX XXXX, XXXX {$340.00} XX/XX/XXXX ( Paid in Full ) Reported : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$410.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have disputed this debt with Credit Collection Services and the credit bureaus and still have received no information at all from Credit Collection Services regarding this account! This is a violation of my rights according to the FDCPA and FCRA! You must help me with this!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation