vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
The Issue Im having with this company is I want pay it on a but every time Ive called the phone number that was given to me for this company, they have not answered my call and since Ive even left messages they have not replied so I came to the Idea of filling out a complain to see what can be done with this inconvenience. 

I am trying to settle the balance because Im going through a hard situation and I am sinking into debt because me and my husband both lost our jobs, he has currently found one but hes not getting full time and we do not know if it would get better or worse, maybe he could get called to get informed that they dont need him no more by how we see that the job is going these days but we are still trying to do the right thing but this company just won't take the call or neither contact me in regards of the balance that I owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: OH

Complaint narrative:
Try to collect a bill not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: CA

Complaint narrative:
I have an account with XXXX XXXX XXXX in New Mexico. The account was late in XXXX of 2020. 

During COVID-19, the industry standard has been to either remove late payments during the pandemic or to update the item to reflect " affected by natural disaster ''. 

I disputed this as such for XXXX and the item remains unchanged. Why is this one credit union discriminating in this national disaster? 

CFPB should publish this on consumerfinance.gov. An entire population is creating an artificial lowering of the average scores in the country because of individual companies who refuse to help consumers during this time of national need.

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 2020-10-27 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: CA

Complaint narrative:
I have an account with XXXX XXXX XXXX in New Mexico. The account was late in XXXX of 2020. 

During COVID-19, the industry standard has been to either remove late payments during the pandemic or to update the item to reflect " affected by natural disaster ''. 

I disputed this as such for XXXX and the item remains unchanged. Why is this one credit union discriminating in this national disaster? 

CFPB should publish this on consumerfinance.gov. An entire population is creating an artificial lowering of the average scores in the country because of individual companies who refuse to help consumers during this time of national need.

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 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I sent Citi bank a letter informing them that the information being reported to XXXX  XXXX  and XXXX  was inconsistent so I dont know who is reported accurately. I asked citi bank 3 times to provide me with the accurate information about the listing. I asked them to send me validation for the account and the only thing they have sent me was the status of the account saying when the last payment was made and how much it was, thats not what I was asking and they have send the same letter 3 times. I sent 2 more letters to them that they have not responded to but I have a return receipt from them and they have refused to fix the problem. I want this account removed from my credit reports immediately

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 2020-10-27 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: Franklin Collection Service, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I contacted Franklin Collections requesting them to verify that a collection account for {$670.00} they are reporting to the credit bureau was mine. As of XX/XX/XXXX Franklin Collections has not verified nor replied to my request. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX, Franklin Collections replied on XX/XX/XXXX stating that I needed to contact XXXX XXXX XXXX/XXXX  XXXX directly to resolve the issue. I contacted XXXX XXXX XXXX/XXXX  XXXX  directly and received a letter on XX/XX/XXXX from them stating that I was not responsible for the debt. I was told by XXXX XXXX XXXX/XXXX XXXX  that Franklin had also been notified that the account does not belong to me. On XX/XX/XXXX I filed a dispute with XXXX, I enclosed the letter from XXXX XXXX XXXX and police report. On XX/XX/XXXX I received the dispute results from XXXX  stating that the Franklin Collection had verified the account to be accurate and belong to me. Franklin Collections has not verified the collection account and is reporting false information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/2020 I received direct communication from Barclay 's for a {$20.00} statement credit on my XXXX XXXX XXXX Card if I were to make 3 orders for XXXX XXXX of any amount during the month of XXXX. I completed the terms on XX/XX/2020 with three separate purchases. The terms days the credit will post to eligible accounts 6-8 weeks after the end of the promotion ( XX/XX/2020 ). 

On XX/XX/2020 I contacted Barclay 's about this promotion not being honored, and was told that I did in fact complete the terms, and that a statement credit would post within 10 business days. 

On XX/XX/2020 I reached out again, and was told that I still had not received my credit due to " an issue with the bank ''. No timetable was given. 

On XX/XX/2020 I reached out again, further acknowledgement that I fulfilled the terms, but no timetable given as to when the statement credit would post. 

On XX/XX/2020, I called to inquire about this promotion which has now gone about two months past the end of when payment was promised. Still no timetable given.

I see no willingness on Barclay 's part to honor this promotion which is easily solved with a simple {$20.00} statement 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 monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
We refinanced our mortgage loan with a new company and closed out the original loan with an effective date of XX/XX/2020. As part of this transaction, we are owed {$1400.00} from our old escrow account with Lakeview Loan Servicing , LLC Mortgage and serviced by XXXX. 

Ever since this date, now approaching 60 days. I have been trying to contact them but I have been ignored, hung up upon and/or sent to an " automated service machine '' which is unable to help with my needs. I have also tried to reach them via email which have also proved unsuccessful.

At this point, and also based on know tactics from this company according to a quick internet research, I believe this company is proposedly avoiding 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 2020-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One fraud protection called me on XXXX XXXX saying someone tried to open a new credit card in my name. & they closed the account and told me to contact my credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In the month of XX/XX/2020, I received a business loan for my business ... I used my personal bank account due to me being a sole proprietor, Capital One then closed my account & refuses to release these funds or send them back to where I got it from so I can attempt to get the money back. My case with them has been closed & they provided false information towards my EIN number that I have. I would like for them to release the funds to me or send the money back to SBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: MI

Complaint narrative:
My XXXX XXXX/XXXX  XXXX account was sold to a third party who went out of business. Experian fixed the dispute it currently has a {$0.00} but is still on my credit report. I need it to be removed immediately please. This has been a frustrating 5 year process. Please relieve my anxiety by having till removed from my report in order to boost my current score. Thank u very much Cordially Mrs. 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 non-monetary relief
Consumer complaint received 2020-10-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I ended service with XXXX XXXX in XX/XX/XXXX and switched to another service provider with no balance owed to XXXX. After switching, XXXX continued to bill my account with no data plan in place, no phone service and no notice of the continued billing. The balance appeared on my credit report over a year later in XXXX as a collection and I have disputed the account several times with the company and received successful deletion, but the account has in turn, been sold to at least 2 different collection agencies and constantly appears on my credit report and affects my score negatively. It is now being reported by XXXX XXXX XXXX with a balance of {$3500.00} reporting as recentas XX/XX/XXXX as if it is a new debt and has been negativelyaffecting mycredit score. Please investigate this account and provide accurate information that will stop this fromhappening anylonger. I have requested information from XXXX and they have not furnished any proof of the debt owed because I do not owe the debt and the information being reported is inaccurateand illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
The Loan in discussion is Loan Depot Account # XXXX the issue at hand is a late in XX/XX/2020 in XX/XX/2020 I was unwell with Covid-19 I tried calling to defer the payment and could not get ahold of someone at Loan Depot. Once I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Shows an account that was opened with bank of america and closed in XX/XX/2017. I have never opened an account with bank of america before. It shows account was paid in full with a charge off amount of XXXX. 
This is preventing me from opening up a checking account and need to have it removed as it is an error or someone has used my 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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial company, The company reported me to the credit Bureau for Delinquent over 30 days missing payment. In fact that is not true I do have all the valid information on record from the company stated that no payment required for the month I was reported as missing payment. I have had contacted the company to address the issue with them, they didn't professionally handle the matter in the right ethical business manner.

I do have all the calls recorded every day, and still did not reach someone that can help me to correct the issue. I'm reporting this company for the bad business practices and the Ethics.

All supporting documents are available upon request. 

Thank you, 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 2020-10-27 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Acc Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX/XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address.

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, 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 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I ended service with XXXX XXXX in XX/XX/XXXX and switched to another service provider with no balance owed to XXXX. After switching, XXXX continued to bill my account with no data plan in place, no phone service and no notice of the continued billing. The balance appeared on my credit report over a year later in XXXX as a collection and I have disputed the account several times with the company and received successful deletion, but the account has in turn, been sold to at least 2 different collection agencies and constantly appears on my credit report and affects my score negatively. It is now being reported by XXXX XXXX XXXX with a balance of {$3500.00} reporting as XXXX  XX/XX/XXXX as if it is a new debt and has been negativelyaffecting mycredit score. Please investigate this account and provide accurate information that will stop this fromhappening anylonger. I have requested information from XXXX and they have not furnished any proof of the debt owed because I do not owe the debt and the information being reported is inaccurateand illegal.

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 2020-10-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I ended service with XXXX XXXX in XX/XX/XXXX and switched to another service provider with no balance owed to XXXX. After switching, XXXX continued to bill my account with no data plan in place, no phone service and no notice of the continued billing. The balance appeared on my credit report over a year later in XXXX as a collection and I have disputed the account several times with the company and received successful deletion, but the account has in turn, been sold to at least 2 different collection agencies and constantly appears on my credit report and affects my score negatively. It is now being reported by XXXX XXXX XXXX with a balance of {$3500.00} reporting as XXXX XX/XX/XXXX as if it is a new debt and has been negativelyaffecting mycredit score. Please investigate this account and provide accurate information that will stop this fromhappening anylonger. I have requested information from XXXX and they have not furnished any proof of the debt owed because I do not owe the debt and the information being reported is inaccurateand illegal.

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 2020-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
Credit Acceptance has been weighing heavy on my credit report for over 6 years and I have been denied all credit, from Morgage loans, car loans and/or credit cards. I would like for them to be removed indefinitely off all 3 of my credit reports.

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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I attempted for two hours to unfreeze my credit with Transunion and to see my credit score.

After two hours on their website I was able to finally get my credit unfroze but unable to see my credit score.

Their website & search icons are built to take you to pages that again & again attempt to coerce you into buying a subscription service in order to complete your business with them. These sites also are very sneaky into trying to get a lesser aware consumer into actually paying for something they are supposed to get for free. 
All three : XXXX, Transunion XXXX XXXX gave me GREAT difficulty in getting both my credit score and allowing me to unfreeze my credit for a purchase even though I had an account already set up with all them!

This is wrong, it is purposeful manipulation to sell you a product you do not need!

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 2020-10-27 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This acct was a secured wells fargo card and they say i owe them and they are reporting this on my credit report and if it was a a secured card how can i owe them because the acct was closed in good standing and you could never go over the secured amount i have asked for documentation and they continue to refuse to give send it to 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 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank Credit Card # XXXX due date for monthly payment is XXXX of every month. I get paid on the XXXX so I call in the payment during the day to the number provided on the statement XXXX, I make the minimum payment as I am hurting financially a lot. They take the payment, on the next month 's bill I see a charge for {$40.00} saying the payment is late, this happened three or four times now. I have closed the account because they would not take off the fee. I work two jobs now, I was unemployed for almost two years. It is very important for me to pay my debts, however US Bank was not working with me and charges one of the highest interest rates around 23.99 %. I can not wait to pay off this bill. I think it is very unfair the late fees they are charging me. This year due to Covid it has been especially tough keeping the 2nd job. The total fees charged this year are at {$150.00}.

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 monetary relief