vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
My credit report with Experian shows factors at the bottom of the report that are negatively affecting my credit score. They include a " serious delinquency '' and " short account history. '' However, I have never been late on any payment and do not have any delinquent accounts. Additionally, my oldest account is XXXX XXXX XXXX and they show that my oldest account is only XXXX XXXX XXXX. I have tried several times starting before XXXX of XXXX to resolve this with the company. Regarding the serious delinquency, there is no account to dispute online because I do not have any delinquent accounts. The dispute department when I call says to just ignore the summary at the bottom because my credit report is otherwise good. However, I got denied credit when my credit report was pulled through Experian because of a serious delinquency and the length of my account history. Their solution so far has been to tell me to ignore that part of the credit report, but it is affecting my ability to apply for a loan. It is very difficult to get ahold of anyone and when I do, they transfer me back and forth between departments instead of taking any action. My Experian credit score is currently XXXX points lower than the other two credit reporting agencies, so their data is affecting my credit score and they have not provided a solution to fix it. They will not let me speak to a manager and the last time I talked to someone they said that my credit report is good and they can't do anything about it.

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 2021-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: UT

Complaint narrative:
I paid off my loan in XXXX and US Bank never released the lien. My car was totaled on XX/XX/XXXX. I was offered {$7800.00} from the insurance company however since USBank never released my lien they wont send me the check. I have called USbank 5 times over the last month trying to get a lien release letter to send my insurance company. The first call was in XX/XX/XXXX Every time I call they ensure that the letter will be sent. One time promising a fax that never came. It has now been 7 weeks since my accident. I still dont have money so I have been without a car for this entire time. I just called USbank today XX/XX/XXXX and they told me its a 26 day SLA for the letter request! My car has been paid off for 5 years. How can they continue to hold a lien on my car?

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 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Hello, I have been a victim of identity theft for 4 years now and someone keeps opening accounts in my name. I have never opened a account with this company and the person is using my identity. I have filed several police reports and have submitted them to Reporting credit bureaus. Please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XXXX of XXXX, my identity was stolen and several fraudulent accounts were opened in my name. One of the fraudulent accounts was with SHELL/CBNA. While I have managed to get all of the other fraudulent accounts removed from my credit report, the SHELL/CBNA account remains. I have contacted them several times. Most recently I sent them a second dispute letter on XX/XX/XXXX. I have still heard nothing from them and the fraudulent account still appears on my credit report. 
The fraudulent account with SHELL/CBNA was opened XX/XX/XXXX. It is now listed as " closed, '' with no outstanding balance. I wish to submit a complaint about this and still hope to get this issue resolved.

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern : I have been trying to get this issue resolved for months. Experian keeps giving me the run around. I completed a dispute, and they did nothing but gave me an excuse because they did not address my concern. I have told them time and time again that this is not my account I have never opened an account with XXXX XXXX, and I have no idea who did. I also have several other attempts on my credit report where someone tried to open an account at XXXX XXXX XXXX XXXX XX/XX/20 ) and XXXX XXXX ( XX/XX/20 ). Please help me get my credit report to show the correct information and delete these things. Experian keeps sending me excuses not to look at my credit report and delete this stuff from my report. I submitted a request letting them know that they have the wrong address on my report, again they did nothing then say they can't verify me even thought I currently have credit monitoring service with them with my correct address of XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX again please remove this address that I never lived at XXXX XXXX  XXXX XXXX, PA XXXX. Please delete this it is very important to me that my credit report has the correct information on it only!!!!!!!

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 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I discovered today that BB & T/Truist bank put hazard insurance on a property that I already had insurance on it. The balance of the loan is just over 3000. I called them and after one of their reps called my insurance company they admitted I had insurance. I watched my insurance company fax them the policy twice in the last few months in response to the letters I got threatening to do this very thing but they claim they never got them. The XXXX escrow amount is still on my account. I want it gone but this is not the first time BB & T has done something like this. I am tired of having to spend hours on the phone trying to straighten out problems cause by the incompetence of their employees and getting no results. Any help you can give me with this will be greatly appreciated. I am not in danger of foreclosure just a 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 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I have been a victim of identity theft for 4 years now and someone keeps opening accounts in my name. I have never opened a account with this company and the person is using my identity. I have filed several police reports and have submitted them to Reporting credit bureaus. Please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
Cornerstone Credit Services reported my unpaid medical bill to my credit report, and this is damaging my credibility. I attempted to resolve this though direct talk and through my lawyer and failed. 

I was attending XXXX XXXX for a work accident. Unfortunately, my worker comp case was controverted, and I had to hire a lawyer. Meanwhile, the provider, XXXX XXXX XXXX, send my unpaid balance to Cornerstone Credit Services for collection. 

My lawyer and I informed Cornerstone Credit Services of the situation and the company did not care. This negative reporting is hindering my financial prospects and I would like CFPB ' intervention. 

I need that collection removed from since the litigation is still pending. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC.
State: FL

Complaint narrative:
NVR initially approved my loan and then spent 7 months lowering my credit score by making hard inquiries every month. They then told my builder they were denying me a loan due to a low score. During the process NVR continued to collect my information as if they were going to approve the loan but did everything to lower my credit score to charge me a higher interest rate. As a XXXX vet with a guaranteed loan I feel they did this on purpose to discriminate against me. I complained to them and the builder who owns the company. The builder told me they were going to cancel my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I didn't receive any communications from XXXX that I had owed a bill to them until the account went into collections. I had switched companies and wasn't aware nor did I receive anything my phone, email or mail. 
As soon as the bill for collections came to me, I immediately paid it - I have perfect credit aside from this debt. 
I had disputed this originally and was under the impression it was removed, but it seems it was only removed from XXXX, not the other 2 bureaus.

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 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In XXXX I applied for a Making Homes Affordable modification. I was a victim of predatory lending. During this time I was with XXXX XXXX now XXXX XXXX XXXX. I received the Making Homes Affordable modification and the 2nd lien was charged off due to being a predatory loan. ( Bank fraud ). Then 10 years later SLS contacted me in early XXXX and stated I owed the an even larger loan placed me in to foreclosure. This happened at the same time my husband caught XXXX and became extremely sick. I also had to have 2 medical operations during this time. We are both elderly. XXXX & XXXX XXXX XXXX. 

We are unable to come up with upfront money that has been requested by SLS. We are requesting a modification to make monthly affordable payments. We want to avoid foreclosure and loose our home we have lived in over 20 years. Please review our modification package and help us save our home.

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Someone has used my personal information to open an account with XXXX. I have never had anything from them. My purse was stolen a few years ago with all my personal information. I explained to Equifax that this is not my account they keep saying " verified '' when it's not mine at all. I can't believe how hard it is to get your credit reports corrected after a person has ruined your life and taken your identity. I am filing this complaint because I feel like Equifax is not trying to help me at all. It is like they are just giving me a script response each and every time. This is stressful enough that this happened but now to be punished for something that I didn't even do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am showing a Hard Inquiry from Capital One Auto Finance on my XXXX  Credit Report from XX/XX/2020. I was looking at financing a car at the time but was only seeing if I was pre-qualified, not seeking actual financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello, I am complaining about two credit cards accounts that appear as closed lost / stolen ( XX/XX/XXXX and XX/XX/XXXX XXXX in my report when the card was actually replaced for security reasons. I only have one credit card account with SYNCB/TJXCD two days after I called the company a New remark from them appeared in my report also have inquiries from SYNCB/PayPalXXXX and SYNCB XX/XX/XXXX on my XXXX  report XXXX that I do not recognize.

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I've recently checked my credit report and noticed items that didn't belong to me and accounts that i did not give consent or authorization for these accounts to be furnished I have reason to believe that this is a violation of my consumer rights under the FCRA none of these accounts have been validated by me the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Is bank closed the first dispute for 396 I filed which was initially resolved. The company then went back and did not honor the terms of the settlement I filed a second dispute which they denied without any explanation nor honoring my several requests to speak to someone from the disputes department. At this point Ill be filing a lawsuit.

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a 60 day late on XXXX. 
No 30 day at all. XXXX  and XXXX  are reporting differently. 
This is in violation to report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
After being reporting false payment history and balance information and MANY submissions through all 3 credit bureaus, Ive provided evidence showing all payments Ive made and the reported balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
filed ftc report about inquiries listed that i did not initiate. consent to, authorize nor recognize.

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 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
After being reporting false payment history and balance information and MANY submissions through all 3 credit bureaus, Ive provided evidence showing all payments Ive made and the reported balance is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In XXXX of XXXX, my identity was stolen and several fraudulent accounts were opened in my name. One of the fraudulent accounts was with XXXX. While I have managed to get all of the other fraudulent accounts removed from my credit report, the XXXX account remains. I have contacted them several times. Most recently I sent them a second dispute letter on XX/XX/XXXX. I have still heard nothing from them and the fraudulent account still appears on my credit report. 
The fraudulent account with XXXX was opened XX/XX/XXXX. It is now listed as " closed, '' with no outstanding balance. I wish to submit a complaint about this and still hope to get this issue resolved.

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 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CA

Complaint narrative:
on XX/XX/2021, I got charged on my XXXX XXXX credit card with the amount of {$750.00} for the property appraisal with Citi bank loan. However, the appraiser did not show up to appraise the property due to her personal reason. I cancelled the loan with Citi bank on the night of XX/XX/XXXX. I contacted Citi bank in mid XXXX and they told me that they would follow up with me soon. However, I have not heard anything from them since then. 
I contacted my credit card XXXX  XXXX and asked to dispute because I did not receive the service that I asked for. However, the Citi bank only refunded for {$550.00} on XX/XX/2021. Citi bank did not fully refund my money, and did not give me any reason. I would like to submit this complaint to CFPB to follow up to know why I did not receive my full amount that they charged me. 
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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like to formally write a dispute and complaint against the credit agency Equifax. I have attempted over a span of 6 months to include writing and submitting over 6 disputes in writing and 3 verbally to include a fax of a completed previous CFPB complaint that was finalized with the creditor, XXXX XXXX stating they have requested that all credit reporting agencies stop and remove this account from all bureaus. Equifax refuses to address this situation even with all the documentation forwarded for review. This is the only agency that is still reporting incorrect information and who exhibits the most disrespectful customer service ever. I have been on calls for more than 2 hrs, calls being disconnected as the representative refused to assist and when requesting a supervisor to attempt to address this discrepancy that has been carry on for over 6 months, I am abruptly always disconnected after waiting for at least 45mins on hold. 

There must be something done with being to get assistance in trying to correct information with this agency as it is causing many financial issues. Again this is the ONLY company that fails to correct incorrect information. This creditor has been removed from all agencies except this one. Please assist with get closure and correcting this information. 

Thank you

Company response to consumer: Closed with explanation