vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 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: KEYCORP
State: IL

Complaint narrative:
I received a prepaid credit card in the mail from the Illinois Department of Employment Security, issued by Key Bank. I have never applied for unemployment and never requested the card. I believe that someone else filed for this card using my name and personal information. I have not activated the card and I have destroyed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had opened a Checking account with BB & T last month. I have setup the direct deposit also. I have no idea why BB & T has blocked my online access? As during COVID-19 me and my spouse is working remotely ( from home ) as well as helping the kids during their online schooling. It seems BB & T called and my spouse picked up up the call - but he was in a meeting and I was also in the meeting. I tried to call back BB & T at XXXX but there is so many confusing menus and no way to reach out a human being. 

Worse thing - during this pandemic - this bank is giving tough time to it's customers - by blocking their online access for no good reasons. 

Moreover My XXXX payment request is also blocked or stopped. 

I want full access to my BB & T and freedom to use my account - as end of the this is my money and I need to have the access during this testing times.

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 2021-01-08 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX. I did not say this was my account. But this was an automobile loan and Arkansas Statue of Limitation Law say it can only be on your account for 5 years. the Last payment was received XX/XX/XXXX. 

XX/XX/XXXX, I spoke with XXXX a representative for Experian. I informed him about Arkansas Law and their refusal to remove this information from the account. FCRA law from not state and they say it 7 years negative and positive 10 years. 

I read Appendix E to Part 1022Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies. I did not locate anything about status of limitations. 

I did locate this information information regarding Arkansas Laws : Contracts Written : 5 yrs. 16-56-111 ; Oral : 3 yrs. 16-56-105 Collection of Debt on Account 3 yrs. if not written or under seal 16-56-105 Judgments 10 yrs. 16-56-114 I am asking for your help with this matter. Experian is just trying to bet people to purchase their extra membership plan. I am trying to buy a home/car and this is affecting my ability to do so. I am planning on retiring and they are willfully hindering me. 

Experian had their system breech. The should provide free credit mornitoring. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AR 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 2021-01-08 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I was trying to get my home loan refinanced at the lower credit rates. The loan officer said my credit report shows my home was in forbearance from XXXXl-XX/XX/2020. I was never in forbearance and my payments were automatically coming out of my checking account the XXXX of every month. I never agreed to forbearance and all my payments were made on time. I checked with Bayview Loan which is now Community Loan Servicing and confirmed I never missed a payment. I never signed anything to that effect. 

The problem is that my credit report shows I had a XX/XX/XXXX balance every month and the bills were all paid on time from my checking account. However the " forbearance '' was never used or instituted and it is affecting my credit scores and is hindering my ability to obtain a loan until this is corrected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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:
Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my 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 2021-01-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/2017, I purchased one blazer and two different pants ( size XXXX and XXXX ) from XXXX XXXX. Within two weeks, I sent back size XXXX and canceled size XXXX. Then I purchased a smaller size XXXX. I also sent back the size XXXX for a size XXXX within the same time frame. When it came time for payment, I sent a check for {$75.00}, which covered the XXXX pants ( {$30.00} ) and the blazer ( advertised for {$41.00} ). On XX/XX/XXXX, I spoke with XXXX ( Confirmation # XXXX ) and called XXXX at Comenity Bank/XXXX XXXX XXXX on XX/XX/2017, to make sure the previous charges were removed. They explained that I would be receiving a bill credit of {$24.00} for now and to give the process 60 days to work out the removal of other charges. I received the aforementioned credit but never was credited for the {$34.00} for the size XXXX pants. Since then, my bill has grown to {$300.00} in the last statement received. This balance is not correct, as I paid off everything the first time ( see check # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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:
I am a victim of identity theft my personal and financial information was exposed in a data breach. I am not responsible for the disputed accounts nor did I benefit from the accounts in any way.

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 2021-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
XXXX XXXX bought bmw financial serives na llc was not the company i bought vehicle they stated to irs that XXXX was a canceled payment that was not charged to me the truck white was repossesed and now they refuse to send a XXXX because i cant verify the phone number. but my social security number was and address but since XXXX i no longer have that phone number. So i need XXXX or i will not get income tax for the report they submit it to irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank has caused us financial hardship, costing us potentially close to {$90000.00}. 

We were ready to lock in our interest rate at 2.7 on XX/XX/21. Our mortgage loan officer called and said something showed up on my credit report. I was confused because weve never had credit issues and pay our bills EVERY month. 

After two days of speaking with people at synchrony bank I was finally able to talk with someone in upper management. Here is what she said : I cant really see where the issue took place. Yall paid every month. The only thing I can see that MAY have happened is there was a {$2.00} interest charge that kinda fell between the cracks. The only thing I can do is draft a letter to the credit bureaus asking them to provide you all a courtesy of taking it off of your record since you never missed a payment. 

Synchrony Credit never once called us asking for the {$2.00} that we had no idea existed, if they had I would have gladly given them {$20.00}! 

We paid our bill every month and had no way of knowing we owed {$2.00} worth of interest. 

This MISTAKE by Synchrony Credit has now caused us to be unable to lock at 2.7 and now either accept 3.3 or wait until XXXX and pray instrest rates stay low AND hope the credit bureau does us the COURTESY and scrub the mistake from my credit. 

At this point, regardless of if the credit bureau will accept Synchrony Credits responsibility in this, we can not lock in the interest rate because of a damaged credit score that we played no part in damaging. If this mishandling by Synchrony did not have such poor timing, while we are closing on our home we have been building the last 6 months, we may have never known what they did! This very well may cause financial hardship for the next 30 years, even if the my credit report is fixed. If this is to be case, at the very least Synchrony Credit should have to pay the difference this will cause monetarily for the loan, if not more for causing undo stress and harm. 

This MISTAKE by synchrony credit, as it sits now, has costed us almost {$90000.00} over the life of the loan for a {$2.00} interest charge we never knew anything about! 

When you go to their XXXX  page, apparently this is common for them. I saw so many posts from people who have had their credit scores drop because of these MISTAKES by 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 non-monetary relief
Consumer complaint received 2021-01-08 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: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, DEPT OF ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.

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 2021-01-09 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: NV

Complaint narrative:
I received a copy of my credit report after not using my credit for years and there is multiple accounts in my name that do not belong to me and I did not authorize. I filed a police report and an identity theft. I also filed disputes with all 3 bureaus. Some it was deleted. but when I called today I was told the XXXX account showed proof it was mine and I could not redipute. I don't understand how that can be possible when it was not me and I was not sent this supposed proof either. They said it like there is nothing I can do. That account and one with XXXX XXXX are the only 2 fraudulent accounts that remain and I should not be held liable for accounts I had nothing to do with and did not authorize.

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 2021-01-09 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: NV

Complaint narrative:
I received a copy of my credit report after not using my credit for years and there is multiple accounts in my name that do not belong to me and I did not authorize. I filed a police report and an identity theft. I also filed disputes with all 3 bureaus. Some it was deleted. but when I called today I was told the XXXX account showed proof it was mine and I could not redipute. I don't understand how that can be possible when it was not me and I was not sent this supposed proof either. They said it like there is nothing I can do. That account and one with XXXX XXXX are the only 2 fraudulent accounts that remain and I should not be held liable for accounts I had nothing to do with and did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have tried every possible avenue to talk to AMEX. The silo culture is unreal. You can not talk to a single human being who knows anything other than their small part. I was drugged, threatened with blackmail to my family, and threatened by people who called my phone threatening to kick in the door of my home over transactions made by organized criminals wanting additional cash payments. Multiple police reports filed, the specific business involved was recorded threatening me directly, and AMEX does nothing. A year ago I broke down XXXX, and their reps landed me in a XXXX XXXX. I lost my job a year ago, largely as a result of this total incompetence. I worked in the XXXX XXXX XXXX XXXX for 20 years and I could no longer function at all. My wife called them the night this happened begging and pleading to please cancel the card, this isn't normal, he comes home. A {$55.00} dollar balance hit {$26000.00} in less than 48 hours. I am now being called by them over and over to make payments. I have lost everything, my job, my XXXX, my savings, and my marriage. This was an organized crime scheme, I never entered these places myself, I had to look at the charges and the names because I had no idea where I had even been, the people who drugged me drove me there themselves. This is insane. Now they have reversed their decision put in writing, even after I have been paying them off to attempt a reasonable solution. I've lost everything. And the only reason they call me is if I stop paying them. This is completely out of control and I can't even talk to anyone beyond mid management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: A.R.M. Solutions, Inc.
State: NY

Complaint narrative:
A call claiming to be the daily news contacted me last year saying I owed money. I never had the daily news. Now a company called a.r.m solutions inc say I have been sent to collections. They want {$35.00}. The mail is dated for XX/XX/2020. The company is in A.R.M solution inc is from XXXX, California. The daily news saying account receivable from XXXX, KY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/2016, I purchased two blouses and two pairs of pants from XXXX for my wedding and associated events for {$120.00}. When I received the packaging, it was heavily soiled and damaged ( see pictures ). Given the quick turnaround to the wedding, I needed to keep one set of blouse and pants and sent the second set back. After returning the items, I was only credited {$8.00} and was never given a satisfactory explanation as to why. After deducting the {$76.00} ( the total value of the returned merchandise ) from the {$110.00} adjusted balance, I sent a check for {$37.00} ( see check # XXXX ) received before the XX/XX/16 due date. Since then, the balance has grown to {$260.00}, and the account has been transferred from XXXX/Comenity Bank to XXXX XXXX XXXX, XXXX. This balance is not correct, as I paid off everything I actually owed with check # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
XX/XX/XXXX This is a complaint against Quicken Loans on two matters involving Breach of Contract/Failure to perform after demanding fees and being paid for the services. Quicken loans has previously been contacted on these matters. 
1. Quicken Loans, LLC., of XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, refinanced three properties for me and my husband in XXXX XXXX and to date has REFUSED/FAILED to record associated deeds and other recordable documents despite charging fees for and being paid for the recording, and for forwarding the recorded documents to us, thus exposing us to legal perils of non-recordation. 
By comparison, prior loan owners recorded and provided us re-conveyance documents within 6 weeks of loan closing dates. 

One property with loan number ending in XXXX closed on or about XX/XX/XXXX. Second property with loan number ending in XXXX closed on or about XX/XX/XXXX. The third property with loan number ending in XXXX also closed or about XX/XX/XXXX. Documents attached. 
We fear that Quicken Loans will transfer the loans to other servicing companies who will claim they are not a party to collecting fees and recording documents thus allowing Quicken to CHEAT us of fees we paid and expose us to legal fees to get the deeds and other documents re-prepared and recorded. 

2. Quicken Loans, LLC., of XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, refinanced property with loan number ending in XXXX for me and my husband that closed on or about XX/XX/XXXX. 
Quicken Loans collected prepaid interest and fees in exchange for skipping mortgage payment for XX/XX/XXXX. But Quicken Loans failed to pay off the loan as scheduled. Consequently, we paid our mortgage for XX/XX/XXXX to then servicing company including the interest and fees for which Quicken charged already charged and collected. Thus, Quicken Loans forced us to DOUBLE PAY interest for XX/XX/XXXX and Quicken Loans refused to REUND it. Document attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: AR

Complaint narrative:
Since my XX/XX/2020 complaint, there has been NO correction to my late payment of account # XXXX, although I have file more disputes. This account XXXX XXXX XXXX is a consolidated IDR/IBR under DLSTFD loan program reducing financial hardship, allowing me to make one payment for my student loans. All 3 Credit Bureaus XX/XX/XXXX Experian and XX/XX/XXXXare reporting each loans outside of the consolidation account # XXXX XXXX XXXX, as an individual, reporting 18 times late payment, under XXXX FDO, .account. This 18 reporting late payments are inaccurate reporting, under the DLSTFD loan program, consolidated loans reduce hardship by assigning a account number XXXX XXXX XXXX. This DLSTFD loan program allow me to make 1 payment for all my student loans. Please investigate and remove from 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 2021-01-08 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: NJ

Complaint narrative:
The below account does not belong to me. It was open as a result of identity theft. These accounts were open while I was serving overseas in the military. 

Company : XXXX XXXX XXXX XXXX Account opened : XX/XX/y2019 Balance : {$5100.00} Company : XXXX Account number end : XXXX Account opened : XX/XX/2019 Balance : {$40000.00} Company : XXXX Account opened : XX/XX/2019 Balance : {$7400.00} Company : XXXX Account opened : XX/XX/2019 Balance : {$1100.00} Please remove this account from all 3 credit agencies. I have submitted several times FTC reports letters statements and police reports, just to have my request ignored or denied.

Company response to consumer: Closed with explanation