vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
It appears that information on my report is being reported inaccurately. I have 19 accounts on my report in good standing and all over a year old. I paid off my car loan with XXXX XXXX XXXX, and it is no longer being reported on my report, yet there are nine paid accounts shown as potentially negative. It appears there is one collection account that I have disputed. I certainly do not understand the credit scoring process as it relates to my credit report. It seems that I am not receiving the correct scoring that should be a much higher score. I have been in good standing for over three years or more, and my score is fair. I don't have a lot of inquiries. I explain to the agency the information that I have can verify something on my report is inaccurate, and they still don't update the information correctly. Yet, they take the word of the creditor. It appears to me that there is a slight bias going on here. I do not like to call the race card, but I am concerned when I look at my report and have never been late, and I prove it, and it still isn't removed. Enough is enough. I am demanding that this matter be resolved 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 2021-11-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
It appears that information on my report is being reported inaccurately. I have XXXX  accounts on my report in good standing and all over a year old. I paid off my car loan with XXXX XXXX XXXX, and it is no longer being reported on my report, yet there are nine paid accounts shown as potentially negative. It appears there is one collection account that I have disputed. I certainly do not understand the credit scoring process as it relates to my credit report. It seems that I am not receiving the correct scoring that should be a much higher score. I have been in good standing for over three years or more, and my score is fair. I don't have a lot of inquiries. I explain to the agency the information that I have can verify something on my report is inaccurate, and they still don't update the information correctly. Yet, they take the word of the creditor. It appears to me that there is a slight bias going on here. I do not like to call the race card, but I am concerned when I look at my report and have never been late, and I prove it, and it still isn't removed. Enough is enough. I am demanding that this matter be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/25 I made a report of unauthorized transactions. I was told it would be up to 10 days before I received a provisionary credit. I then asked to speak with a supervisor because the representative that I was speaking to was unable to assist me. The representative was very rude, talked over me the entire time, and then ended the call. Immediately after, I lost access to my online bank login, I was told the investigation could take 30 days but less than 24 hours after making the claim, I was told that my claim was denied and my account was being closed. I am falling behind on bills and have not been able to even eat without access to my account or funds. I will be evicted if my funds are not returned as i rely on my income to pay my rent and other important bills. Another issue i have is that the representative with whom i made the original complaint, only listed the atm transactions as fraudulent when i selected many more. He only included transactions that were atm and more than 100 dollars,

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 2021-11-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed inaccurate information reporting from a company named " XXXX XXXX XXXX ( XXXX ) '' for {$280.00} and " XXXX XXXX XXXX '' for {$880.00}, every XXXX  days for XXXX  XXXX XXXX XXXX months consistently. I have complained that about these collection companies with any help.

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 2021-11-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed inaccurate information reporting from a company named " XXXX XXXX XXXX ( XXXX ) '' for {$280.00} and " XXXX XXXX XXXX '' for {$880.00}, every XXXX XXXX for XXXX ( XXXX XXXX XXXX consistently. I have complained that about these collection companies with any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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 — Their investigation did not fix an error on your report
Company: Bay Area Receivables, Inc
State: DE

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports.Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are reporting : BAY AREA REC XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$880.00} BAY AREA REC ( XXXX XXXX XXXX ) XXXX Balance {$490.00} Date Opened : XX/XX/2020 BAY AREA REC XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} Date Opened : XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26 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: CORELOGIC INC
State: NY

Complaint narrative:
I am a consumer protected by consumer and federal law. CREDCO is in violation of using my social security card which is defined as a credit card pursuant to 15 USC 1602 ( l ) without any benefit to me as agent to my principle.

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 2021-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX, Victoria Secret, all during COVID did I have trouble paying, I was in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is reporting : CAPITAL ONE XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
On XX/XX/21 I received a call from Radius Global Solutions saying they were attempting to collect on a debt owed to XXXX in the amount of {$3000.00}. I told the caller that I dont have an active account with XXXX  and havent for years. I told him I would dispute any debt. I have received numerous calls from Radius Global Solutions although they never leave messages. I called XXXX and spoke with their account services and they confirmed that I dont owe them anything and I dont have an active account.

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 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: E*TRADE BANK
State: FL

Complaint narrative:
I had a few charges from XXXX on my ATM and Etrade put a block on my checking account. I called them to let them know that I made those charges and that they were not fraudulent after I received an email that my account had been blocked. I have spent literally XXXX hours on the phone with them today and they never resolve my problem. When I asked for the account to be closed, once they said it couldn't be closed at this time ad XXXX other times they just hung up on me. I have literally waited on hold for an hour at a time, without any resolution. I have asked to speak with a supervisor numerous times and none was provided. They are sitting on my {$8000.00} without me having any access to my funds or without any resolution. I have done business with Etrade, for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/21 I received a call from XXXX XXXX XXXX saying they were attempting to collect on a debt owed to Macys in the amount of {$3000.00}. I told the caller that I dont have an active account with Macys and havent for years. I told him I would dispute any debt. I have received numerous calls from XXXX XXXX Solutions although they never leave messages. I called Macys and spoke with their account services and they confirmed that I dont owe them anything and I dont have an active account.

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 2021-11-26 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 — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is reporting : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Balance {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc.
State: DE

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is reporting :

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 2021-11-27 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: Synovus Bank
State: TX

Complaint narrative:
I believe the company, First Progress, has committed several individual actions that violates my rights as a Federally Protected Consumer. First, the account is reporting without my consent Pursuant to 15 USC 1681b. ( a ) Permissible Purpose. I have never given written or oral consent to furnish accounts or use my credit report for any reason. This by lawful definition is Identity theft. Second, Pursuant to Regulation Z & 15 USC 1666b. Timing of Payments, First Progress is inaccurately reporting late payments to my consumer report that can not lawfully be deemed as a late payment for any reason. Furthermore, Pursuant to 15 USC 1666d. Treatment of credit balances i am owed a refund from this consumer credit transaction. 12 CFR 1026.13 further explains the billing error violation committed by First Progress. Additionally, 15 USC 1692f ( 1 ) Unfair Practices states the collection of any amount ( including interests, fee, charge, or expense incidental to principle obligation ) unlessed authorized by agreement OR permitted by law is a violation. 

XXXX has deemed this account as verified, however who verified this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: TX

Complaint narrative:
Personal Statement : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I have a XXXX XXXX loan. XX/XX/XXXX I requested a XXXX XXXX loan forbearance. After the XXXX XXXX, I requested an extension. In total I have had XXXX XXXX of XXXX. My reading of the cares act states if I had been in an active forbearance plan as of XX/XX/XXXX, which I had, that I would be eligible for an additional XXXX XXXX for an XXXX XXXX total. I write Murder mystery party games for people to host large parties in their homes or businesses. My XXXX year old business has been impacted greatly by the pandemic. I have fixed up my home and had plans to put it on the market, but my XXXX XXXX lender, which is Rocket Mortgage has denied any further extension saying XXXX XXXX  only allows XXXX XXXX  period and they answer to their investors and not XXXX XXXX  or the XXXX XXXX Thats twice Ive heard that one. I tried to do a loan mod once before XXXX  years ago, but they only reduced my payment by {$50.00} and extended my loan by XXXX years! I still made the XXXX  months of required payments then they denied me the mod because I contacted XXXX XXXXXXXX who got involved because they werent following guidelines. They lied either in the loan modification process saying my home was worth {$210000.00}, which prevented me qualifying for a lower interest rate, but when I filed bankruptcy directly after, they filed paperwork saying my home was only worth {$160000.00} to prevent me being able to sell it under the bankruptcy : I have both of these sets of paperwork showing that. So according to Rocket mortgage twice filed legal paperwork, my home value decreased by {$45000.00} in XXXX  months and this was BEFORE XXXX. Nothing in my home had changed except aging XXXX more months. I borrowed money from my family to fix up my home and make it marketable for max value, which is almost complete and now I cant get the extension so I can actually sell my house after the work Ive poured into it, but my guess is Ill get foreclosure paperwork that puts it up for sale by auction in a month. If they follow the same pattern as before, a loan mod with a {$50.00} reduction as before wouldnt give me an affordable payment either. The paperwork shows they will lie cheat and steal. Simple as that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
Re : XXXX XXXX card XXXX XXXX XXXX XXXX Valid Thru XX/XX/29 I was given a gift of a prepaid {$25.00} XXXX XXXX Gift Card. ( Issued by XXXX, and serviced by XXXX XXXX California XXXX ). I tried using it to pay for items at a XXXX. I was unsuccessful. I then tried to get a balance on the card when I came home, and tried to find out anything about the card. I was asked to key in the cards XXXX-digit number. Each time I did that, the voice at the other end repeated an incorrect number. When I tried to key in again and responded no to the question of correct or incorrect, they said good bye I would appreciate any help with this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This submission is not from a third party. I, XXXX XXXX. Natural person, XXXX, XXXX, XXXX, XXXX this notification of Federal violations and FederaXXXX laws. Ive notified ALLY FINANCIAL INC on XX/XX/XXXX of Fraudulent Activity and ask for documentary evidence of the alleged Debt. I Entered a Consumer credit Transaction with ALLY FINANCIAL INC on XX/XX/XXXX and a Finance charge was involved Pursuant to 12 CFR 226.4 Finance charge which is defined as definition The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as incident to or a condition of the extension of credit. It does not include any charge of a type payable in comparable cash transaction. Pursuant to 15 USC 1605 ( a ) Finance charge is the total sum of all charges there is not suppose to be cash taken in a consumer credit transaction Ally Financial INC Collected monthly payments from since 03/21/2018 which is a Violation of 12 CFR 226.4 and 15 USC 1605 ( a ) in Exhibits A, B Ally FINANCIAL INC Failed to disclose me my RIGHTS of RESCISSION and provide me with the appropriate forms to exercise my RIGHTS which is a violation of 15 USC 1635. ALLY FINANCIAL INC is in Violation for Criminal Liability for willful and knowing violation 15 USC 1611 ALLY FINANCIAL INC gave false or inaccurate information and Fail to disclose my RIGHTS I have been emotionally and physically harmed because of the hardship this company has put me through and being deceptive and not honest which holds ALLY FINANCIAL INC in violation of 15 USC 1640 and violation 15 USC 1692k all the violations are circled in the exhibits A, B. I would also want my money refunded by check of all payments paid already to ALLY FINANCIAL INC By Check to my address listed also zero out the balance an grant me my title lien Free. pay the invoices for compensation pay 3x the finance charge pursuant to 15 USC 1692 H

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