vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FlexShopper, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Reporting Inaccurate and Fraudulent Debt Amount on my Credit Report. I reported this to the CRA 's and directly to the company. I requested a Complete Account History of Account Opened, Purchases, and Payment History, necessary to verify legal accurate information. The Account History was not provided and inaccurate information is being reported by company and CRA 's. 

I authorized Flex Shopper to take monthly payments from my bank account. Flex Shopper took multiple unauthorized payments out of my bank account several times a month causing additional overdraft fees. I had to close my bank account. I called into to pay off remaining balance of {$200.00}. Flex Shopper refused my payment and demanded my bank account information. I tried several times to pay off the {$200.00}. and my payment was refused. Flex Shopper / XXXX XXXX XXXX XXXX are reporting to CRA 's that I owe {$1600.00}. and refuse to provide account history. They are committing acts of fraud and inaccurate reporting they are not being held responsible by CRA 's. 
A complete Account History must be provided for burden of proof in establishing the Validity of Legal Reporting Accuracy. 

Submitted Under Oath & Integrity XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I wrote the original creditors for months ago. I wrote Equifax XXXX  and XXXX  2 months ago and I have yet to hear anything from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
The company did not send enough information verifying the legitimate balance of the debt. What they mailed to me showed a written-off balance of {$0.00} from the original creditor. After speaking to counsel, I decided to settle the debt vs. it remaining on my credit report while we continue to dispute it. We agreed on a settlement amount for deletion, but now the company refuses to provide a letter based on our agreement after I processed the payment. They are stating that I have to wait 30-45 days and callback before they would consider generating a letter confirming our agreement, and now I don't feel comfortable or confident that they are going to hold up to their end of the bargain.

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 2021-06-16 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: LA

Complaint narrative:
I DISPUTED THIS MONTHS AGO AND THEY'RE SAYING IT'S ACCURATE BUT I'VE NEVER BEEN TO COURT IN XXXX XXXX. XXXX XXXX XXXX LA XXXX XXXX NEEDS TO BE REMOVED.

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 2021-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Ordered refrigerator in XXXX From sears having received My refrigerator as yet, it's not in stock and they don't know when stock will be in.I ask sears to freeze my account until I receive item to no avail. 
Today XX/XX/21 I've been on phone from XXXX until 1 trying to resolve this I call seats they have me call city bank city bank tell me to call XXXX It's been back and forth over and over also sent me to delivery Service they sent me to solutions dept.Theu sent me back to seat.com

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 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
On XX/XX/2021 I was awoken to several emails from XXXX XXXX, XXXX, Bank of XXXX, and XXXX that noted a Credit Report/Hard Pull was blocked due to there being a freeze on my account. I am in the process of refinancing my home and have been undergoing this process for greater than 120 days. I had an initial credit report pulled at the start of my refinancing and now without my permission- Hunting Bank has pulled my credit report ( s ) again. Under the Fair Credit Reporting Act I feel like I was lied too, taken advantaged of, and Huntington bank has offered no means to correct there action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding unauthorized and unknown inquires on my credit report. More than 45 days later, I have not received a response. I feel as though my disputes are being ignored. Section 611A states that failure to investigate these items within 30days gives reason to immediately remove these items from my credit report. I demand that these inquiries be deleted immediately or I will file litigation due to the stress this has caused me. My information was also impacted by the equifax data and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Bank closed account without valid reason. 
Cause bill pays to be return At expenses. 

Funds were not received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : WESTLAKE FIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Reason : Identity theft Please remove it from 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 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I signed up for a XXXX Bank checking account with a {$300.00} online bonus offer, described in this promotion : https : XXXX TD Bank did not honor their promotion and has not credited my checking account with the {$300.00} bonus, even though I met the terms. 

I called their customer service and they explained that they would not honor the promotion because my {$2500.00} deposit was made via check rather than ACH. 

The terms of their promotion do not state that there are contingencies based on deposit type. The terms simply state : " To qualify for the {$300.00} personal checking bonus, new personal checking Customers must open a TD Beyond Checking account with cumulative qualifying direct deposit funds totaling {$2500.00} or more into the new checking account within 60 days of the account opening date. '' I deposited {$2600.00} on XX/XX/21 so I should qualify and I'm owed my {$300.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft AM HONDA FIN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Original Creditor XXXX XXXX XXXX  ) Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX NA Date of inquiry : XX/XX/XXXX This is not mine. 

12.Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I wrote the original creditors for months ago. I wrote XXXX TransUnion and XXXX 2 months ago and I have yet to hear anything from anyone

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 2021-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Lincoln Educational Services Corporation
State: MD

Complaint narrative:
I went to classed at Lincoln Tech Institute for 9 months and {$25000.00} in debt. to get a certificate of achievement as an A/C tech. which was a scam because as of today the XXXX of XX/XX/2021, I have not yet received my certification or any job placement as promised. I have been Struggling to pay back the loan and unable to get satisfaction from the Lincoln Tech Institute. Please advise me of what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: NJ

Complaint narrative:
I have returned the Vehicle on XX/XX/2021 and the leasing company still has not close the account. I tried to pay the bill to stay on time but they denied my payment and returned me the money. The account is now showing XXXX late payment and account still open. They received all paper work required from me and said it would only take 3 days for the account to be close. The account was suppose to be closed under SCRA Benefits and is been more than two weeks. I faxed the paper work again on XX/XX/XXXX and it was confirm by someone on the phone. For this my credit is showing a delinquency and has drop by more than 100 points. I want the acount to be close already and for the late payment to be fixed on 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 2021-06-16 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: LA

Complaint narrative:
I never made these inquires and EXPERIAN is saying they verified them as valid. I want my credit report to report accurately, this is hurting my chances as progressing as an American citizen. This public record is inaccurate and needs to be removed from my credit report : XXXX XXXX XXXX  LA XXXX XXXX Bankruptcy 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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me. Please remove them immediately. 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 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NV

Complaint narrative:
Contacted XXXX XXXX XXXX XXXX XXXX ( original creditor ) I have never had their service their records confirm that fact.

Contacted EOS CCA.. consumer identification shows a name of XXXX XXXX XXXX XXXX Advised them that is not my name, no one of that name has ever lived at XXXX XXXX XXXX XXXX. 
They instructed me that clearly I was not the person they were looking for.I was further instructed to ignore their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me. Please remove them immediately. 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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me. Please remove them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have the following account that does not belong to me and i want it to be remove from the 3 credit reporting agencies.

1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
I received an email from the company I applied for stating that I had an active XXXX case against me when it fact my case was disposed of as of XX/XX/2020 and I have the records with it. I was in XXXX living at the time and had already held down a nearly full time job with close to 9 months of XXXX. If the records are needed then I will provide but the fact that an issue like this would impact the way people would think I would work is offensive and extremely disrespectful as someone that has made the effort to get XXXX at the age Im at and still able to uphold responsibility and live life like any other person in society.

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 2021-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Navy federal credit union made me purchase insurance separately. This has become fraud on behalf of navy federal credit union for willfully concealing this information that Truth-in-lending states in 15 USC 1605 ( c ) Property damage and liability insurance premiums included in finance charge. Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
My daughter paid the credit card company with her bank account. After 3 days it still didn't go thru. I myself paid the bill again b4 the XXXX when my payment is do. They still process another payment with updating my acct number after I spoke with them and gave them the correct number!!! They took it upon theirselves to close my acct without warning, charge me another XXXX bucks for return check and late fee. This is unacceptable. The bank name is XXXX XXXX XXXX ; and actually I thought it was first bank credit card. This credit card company is unprofessional and they are doing illegal practices to get extra money. I have no problem with my other credit cards..just this company

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 2021-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is reporting to the credit bureaus that I defaulted on a loan as a joint account holder on a loan I NEVER took out. IF this account was opened, it was obtained fraudulently. I never opened a loan with WFDS. This account needs to be retracted 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 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I was interested in knowing what the closing costs would be if I refinanced my existing mortgage with NewRez. They have been emailing me constantly encouraging me to do so. 

In the process, I was encouraged to apply with no obligation to find out the closing costs. 

Midway through the application process, an agent called, and asked some questions, and said he would run a credit check and encouraged me to complete the application. 

I decided not to complete the application at that point, and have asked him to close it out, but now i am getting radio silence. Have called several times, sent several emails. All i get is auto-responses telling me to complete the application. 

I tried calling the main number and they said i have to speak with him. But i can't reach him and he is not responding to voice messages or emails. And it seems there is no way in this online application to cancel it. 

This seems like predatory practices to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: LA

Complaint narrative:
I HAVE DISPUTED THESE INQURIES MORE THAN THREE TIMES OVER THE PAST YEAR, TRANSUINON REFUSES TO DO A PROPER INVESTIGATION AND REMOVE THEM. 
THE INQUIRIES ARE LISTED BELOW : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : 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