vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
FRIDAY AFTER XXXX  I WAS SENT A TEXT THAT CLAIMED TO BE XXXX EMPLOYEE BUT WAS A SCAM.AT THAT TIME I DID NOT GIVE HIM ANY WRITES TO MY BANK ACCOUNT HE MUST HAVE GOT IT THROW MALWARE TO GET IN TO MY ONLINE BANKING AND MANIPULTED MY BANK ACCOUNT MY THOUGHT AT NOW IS WHY RED FLAGS WEREN'T THROWN UP.MANIPULATING MY ACCOUNTS.AT THAT TIME HE SAD GO TO COMPUTER AND HE WOULD REFUND XXXX CHARGE BACK TO MY ACCOUNT HE HAD MY ACCOUNT PULLED UP IT SHOWED I HE HAD PUT XXXX DOLLARS IN SIDE OF XXXX REFUND.THE PROBLEM IS WHEN I CLICK ON THE TEXTMESSAGE HE HAD MY STOLE MY COMPUTER THRU MALWARE.THEN AFTER HE HAD MADE A XXXX MISTAKE HE DEMANDED HIS MONEY BACK HE CLAIM I HAD STOLEN HIS MONEY FROM FRAUDULANT MADE UP HACKER ACCOUNT.I FILL LIKE THE BANK SHOULD BARE SOME RESPONSIBLITY WHEN MY ACCOUNT IS BEING CHANGED FROM ACCOUNT TO ANOTHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: SC

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. 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. This company is very unprofessional! I also sent them a copy of the police report. I will file an FTC and CFPB ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: NC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-29 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: OH

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. 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. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is very disappointing! REMOVE ALL FRAUD ACCOUNTS ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care credit lowered my credit line from XXXX to XXXX without notice in XX/XX/2020. I made a payment toward my balance of XXXX with XXXX available. Care credit declares they did not need to inform me of the credit line deduction.

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 2021-01-29 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:
Ive attached a letter from XXXX/XXXX  sent themselves states that they are NOT reporting and delinquencies on my credit report, yet a late for XXXX is being reported to all 3 credit bureaus, I sent this same letter to all 3 and nobody has updated my credit 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 2021-01-29 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: OH

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. 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. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is very disappointing! REMOVE ALL FRAUD ACCOUNTS ASAP!

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 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: NC

Complaint narrative:
This agency is attempting to collect on 2 different medical debts that i have no knowledge of and never received written notice prior to them placing invalid and derogatory information on, my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a credit balance on the account in the amount of {$79.00}. Contacted Capital One customer service on XX/XX/2021, spoke to an alleged supervisor named XXXX who was downright rude and unprofessional. The recorded phone call will show that I conducted myself appropriately and with manners. Of course, the reply from the bank will be a standard boiler plate " we are sorry '' letter. I am positive that the appropriate coaching and follow up will be completed. Needless to say, Capital One has archaic policies in which they do not refund credit balances back to the registered bank account on file. Rather, the refund is sent through the US mail, which as you know, is having many disruptions as reported in the news.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: MS

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2021-01-29 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: DC

Complaint narrative:
XXXX XXXX are refusing to pay for the filing fee and other payment to JAMS regarding the six pending demand for arbitration. 

As a reasonable accommodation regarding the terms and conditions I'm seeking for XXXX XXXX to make all payments in good faith regarding the terms and conditions of the arbitration agreement. 

Pursuant to the terms and conditions of the arbitration agreement this is a written request for payment of the filing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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:
Ive attached a letter from XXXX/XXXX  sent themselves states that they are NOT reporting and delinquencies on my credit report, yet a late for XXXX is being reported to all 3 credit bureaus, I sent this same letter to all 3 and nobody has updated my credit 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 non-monetary relief
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
Ive attached a letter from XXXX/XXXX  sent themselves states that they are NOT reporting and delinquencies on my credit report, yet a late for XXXX is being reported to all 3 credit bureaus, I sent this same letter to all 3 and nobody has updated my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: NC

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 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 2021-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BlueChip Financial
State: CA

Complaint narrative:
On XX/XX/2021 I received an email indicating that a loan application with Spotloan using my information had been denied. 

I responded to the email that I had not applied for a loan, and was told by Spotloan that someone had done so using my information. I asked them to void the application and remove any inquiries on my credit report, but they refused to do so unless I gave them personal information and " proved '' that I did not apply for the loan. 

The company has so far refused to provide any information about the loan, and what information was used to apply for it. They have also refused to void the application, saying that unless I proved to them that I didn't apply, they will assume that I did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Solutions Group
State: NV

Complaint narrative:
Collectors keep calling for an employee that worked for us over 2 years ago. He was terminated in XXXX of XXXX. They have called on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and two times on XX/XX/XXXX. 

The gentleman says his name is XXXX XXXX calling for XXXX XXXX and says that an employment verification is complete and XXXX must call them to prevent an LOI from being sent to his residence and place of employment. He leaves a return number of XXXX referencing case # XXXX. The caller ID on my phone shows the number calling me as ( XXXX ) XXXX. 

I called this number on XX/XX/XXXX and asked for XXXX XXXX and was told he is not available. I told the gentleman on the phone that the company needs to stop calling us because XXXX XXXX has not worked for us for over 2 years. I was told by the person that answered the phone that they would let XXXX XXXX know to stop calling. 

On XX/XX/XXXX, XXXX XXXX left two additional messages, both for XXXX XXXX referencing the same reason for calling and case #. 

I called the number and told the person answering the phone that I already called yesterday to tell them that XXXX XXXX hasn't worked for us in over 2 years and to stop calling. I was hung up on. So I immediately called back and XXXX XXXX answered the phone. I again told him that I had just yesterday demanded that the company stop calling and that he has called yet again. I again demanded that he stop calling. I told him I am filing a complaint with the NV Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Company closed Sunoco credit card account that I had since 1992, almost 30 years. 

Never received a notice that it was being closed. 

This affects credit scores and history. 

Their response open a " new '' account with the associated credit hit for a new inquiry.

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 2021-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I tried transferring funds from a savings account to an investing account all held by the same bank, Ally Financial Inc . I had to make the initial transaction four times before it went through and when it finally did I started being locked out of my investing account. On XX/XX/XXXX I made another transfer in the amount of {$600.00} and it was approved that day but the cash only showed in the account for a couple hours before disappearing. I spoke to a XXXX at Ally Financial about the transfer and he was able to confirm the transfer but not the receipt in my other account. He transferred me to another department but the investing department is clearing phone queues every 30 minutes. They are restricting access to my accounts on both their app and their desktop site. They have {$600.00} of my money tied up in limbo where an employee can not find and they are restricting normal banking functions like accessing funds and buying stocks.

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 2021-01-29 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: SC

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. 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. This company is very unprofessional! I also sent them a copy of the police report. I will file an FTC and CFPB ASAP!

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 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I responded to email offer to refi my government-backed mortgage from Bank of the West as a current bank customer.Loan officer collected my personal info, tax papers, got my credit checked and offered me 2.5 % rate for 15 years mortgage.On XXXX he contacted me and confirmed the rate and told me that also I can get credit on my closing cost account because of current mortgage rate drop. He also told me that I have to pay upfront sum of {$490.00} appraisal fee. I told him that if you sure that I can get loan, just add this amount to closing cost. He said that customers sometimes disagree with their loan terms and thats why he wants to collect money now, even if its a government-backed loan. He made a pressure on me and asked to provide credit card information or loan application will be cancelled. 
I had my credit score over XXXX and salary over XXXX per year, and it was checked already. 
Yesterday I got informed that now he will be able to offer me only 30 years loan with 3.5 % interest rate. Of course, this offer was unacceptable. He refuses to pay my {$490.00} closing cost back. This charge was made under pressure and can be disputed. Here is another unethical example how mortgage broker trying to get advantage of customer during pandemic time. 
Information about loan officer : XXXX XXXX NMLS XXXX Phone number 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 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
I have a collections account that was purchased by XXXX XXXX  XXXX for an collections account for XXXX. I have been paying XXXX XXXX  XXXX and processed a settlement with them and Now I have William rush and associates calling me trying to collect on the same debt. I need validation on the debt with William Rush and associate, I need the original sign contract showing penalties that could possibly e applied to the org balance, papers showing the they are the legal of the owner of the debit. I have requested documentation and all they tell me is no, they will take me to court etc.

I need the William rush and associates account removed from my credit since I feel it is not a valid account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: WA

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

On XXXX XXXX, 2020, XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX. XXXX, 2020, BANK OF AMERICA add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by 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 2021-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
Greetings from LENDINGTREE Mentioned below are the entire details of the Loan Contract of XXXX XXXX If you are interested in this loan and are also comfortable with allthe terms and conditions including the 3- Step verification procedures mentioned in this document. 
NOTE : LOAN ID mentioned in this email is highly confidential ; there for you are suggested not to share it with anyone apart from our verification n officer available only on ( XXXX ) XXXX XXXX.

Company response to consumer: Closed with explanation