vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 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: Carvana Group, LLC
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-26 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XXXX of XXXX, I took out a {$30000.00} fixed rate refinance conventional loan with BMO Harris. I would make payments and most of it would go to interest but every payment reduced principal some. Starting in XX/XX/XXXX I noticed something odd. All of my payment was going to interest. I remembered that BMO Harris changed who was managing the account as an agent. In the process my account number changed and for some reason my payment was only going to interest and the principal stayed the same. In the process of calling them a lot, I was told my new loan number was a daily simple interest loan, not what I signed up for or authorized. I have been trying to resolve this with BMO Harris for weeks but no resolution has come about and they have run me around in circles with little care. Changing a loan type without my approval feels criminal.

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 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
I applied for a refinance loan on XX/XX/XXXX Since then my file was returned by the underwriters at least six times for information that should have been identified at the initial review, this caused me to fax data as follows. XX/XX/XXXX, XXXX XXXX The XXXX dates are : XXXX. XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, AND, as I'm completing ths I recd a call for more information on data I know previously submitted, The XX/XX/XXXX request was for my permission to obtain a new credit report as the original had EXPIRED. Todays request for additional information on bank statements submitted in early XXXX Another problem is the failure to notify me of personnel moves. As an example : My processor was off duty from XXXX to XX/XX/XXXX without notifying me of her back-up. My loan consultant was replaced, again I was left without a person to call for status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put 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 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
An existing CFPB complaint ( XXXX ) revealed the debt collector had transferred the account back to the original creditor. However, this company stated the account was transferred on XX/XX/XXXX back to Citi Recovery on behalf of Department Stores National Bank. 

If the account transfer is true, I have not received any communication from Citi recovery since this transfer occurred. The account is now approaching 60 days without any communication to the consumer. I have included the debt collection agency 's response ( the text of complaint XXXX below for reference. 


Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We are in receipt of the complaint of Mr. XXXX, forwarded to our office through the portal on XX/XX/XXXX. Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client, Citibank , N.A . In reviewing our file, we find that on XX/XX/XXXX we received Mr. XXXX letter of XX/XX/XXXX, a copy of which he included with his complaint. As Mr. XXXX correspondence advised us of his dispute of the balance, we requested documentation from our client to validate the debt. On XX/XX/XXXX we received the documentation and forwarded a copy to Mr. XXXX for his review. This account was then recalled from our office by Citibank , N.A . on XX/XX/XXXX, and is no longer active on our system. For assistance with this account, Mr. XXXX can reach out to Citibank , N.A . at his convenience at XXXX, and they will be happy to assist him

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 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted 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 explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: WV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
On XXXX XXXX, 2021, SOUTHWEST CREDIT SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOUTHWEST CREDIT SYSTEMS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Hello, On Friday morning XX/XX/XXXX, I was informed by my credit card company American Express that my credit limit was decreased over {$6000.00}, from {$10000.00} originally to {$3600.00}. 
In my conversation with AMEX customer service, I was told that this was due to a recent change on my credit score and report. I was told that the only way to increase my credit limit would be to pay the credit card company {$810.00}, with a possible lift to the credit limit happening within 30 calendar days ( they would not promise an immediate lift to the credit limit ). I had already met my minimum payment balance by the due date ( minimum payment due was currently XXXX - in other words, I had made all payments that I owed, in the time frame I owed them ). 
To make this a very tenuous and scary circumstance, I had made a reservation with American Express Travel ( another travel product with american express that I frequent quite often ) for a rental car, and I was supposed to pay this reservation on XXXX XXXX for the amount of most likely {$1500.00} for a rental car. The reservation is in a foreign country. American Express was well aware of my reservation and my long standing history with them ( I have been a customer for 15 years with no record of missed payments and not much history of revolving usage ). I would not have been able to pay this rental car with my credit card and continue on my vacation, and this felt like extortion. 
American Express refused to acknowledge the fact that I have been a cardholder with them for over 15 years. They refused to acknowledge my circumstance of why my credit score had decreased slightly ( I recently bought a new car, took out an auto loan, for my husband, who is an XXXX  and is taking some time to build his own credit score and credit file ). I know how to responsibly manage my finances, and so I believe this was a huge abuse of my credit report and possibly even extortion ( asking me to pay them {$800.00} when technically I did not owe them anything at this time, my minimum payment had been met ). 
I feel like I have no recourse with AMEX as a company and I want to report this bad behavior to the government. This abuse of my report is happening during a global pandemic. I understand that credit companies may be wary of consumers taking on bigger debts these days due to the economy, but this is not the way to treat a customer, and I have had other smaller circumstances with other credit card companies that make me suspect that these companies want to abuse and extort consumers due to the global economic situation. This was a decision made without my knowledge or any warning, with no reasoning, and will greatly affect my life and my ability to make sound financial decisions for my family. 
Thanks for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
We filed bankruptcy ( XXXX XXXX XXXX in XXXX XXXX XXXX and Net Credit was included. At first, they called a few months after it was settled and I referred them to my attorney. They continued to put this as a delinquent debt on my credit report and I did not realize that was wrong until emailing my attorney about it. He said they could be in violation of " the stay and discharge injunction '' and he is writing an official letter to them. In the meantime, he recommended that I report this to you so that it could be resolved even faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery is reporting a tradeline from a XXXX  account that does to belong to me. I have send the credit bureaus a copy of my FTC Identity theft report and police report over two months ago and somehow the credit bureaus are still allowed to report this. I Find this highly illegal and unfair. I have enclosed a copy of my FTC report and police report once again. Please delete this from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: DISCOVER BANK
State: GA

Complaint narrative:
I am XXXX years old. I have been a Discover Credit Card customer for over XXXXyears. I have never missed a payment. Discover was one of the first credit cards I received that helped me build my credit. I started with a credit line of {$2000.00} and they slowly increased my credit line to {$4800.00} due to my good payment history. For some reason, during the pandemic, Discover closed my credit line. At the time, I had a XXXX balance so, I didn't realize it for a few months. This negatively impacted my credit given : ( 1 ) it closed an account that I had since I started to establish credit ( lowering my average length of credit ), ( 2 ) dramatically increased my credit utilization given the {$4800.00} credit line had a XXXX balance, however, it was one of my larger credit lines, and finally ( 3 ) it says that it was closed by my creditor which is another negative impact. As I stated, I have always paid all of my creditors on time since I first established credit at XXXX years old. My income has only increased over the past year and I have had a stellar payment history with Discover. There was no reason for Discover to close my account, particularly in the middle of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
On XXXX XXXX XXXX, PORTFOLIO RECOVERY ASSOCIATES add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY ASSOCIATES has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: NC

Complaint narrative:
Starting onXX/XX/XXXX and every day after for multiple times a day I've tried calling, emailing, and faxing novad for a pay off request and have yet been successful receiving it. I'm being told there is noone I can speak to and they keep putting in the request and can not do anything else.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: AL

Complaint narrative:
I recently pulled my credit and found an unauthorized account and many unauthorized credit inquiries. I did not GIVE anyone permission to pull a copy of 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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian. One of three reporting bureaus you tell us to call is a fraud. Impossible to request a fraud alert or credit freeze. They just hang up on the caller.

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put on my credit report.

Company response to consumer: Closed with explanation