vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 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: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand. 

A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again. 

Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature. 

Huntington Bank - is refusing to do anything they are basically acting like they know nothing. 

XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given. 

XXXX XXXX XXXX does not have a number where you can actually reach a person or leave a message. 

There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand. 

A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again. 

Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature. 

XXXX XXXX  - is refusing to do anything they are basically acting like they know nothing. 

XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given. 

XXXX XXXX XXXX does not have a number where you can actually reach a person or leave a message. 

There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand. 

A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again. 

Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature. 

XXXX XXXX  - is refusing to do anything they are basically acting like they know nothing. 

XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given. 

Regional Acceptance Corporation- does not have a number where you can actually reach a person or leave a message.

There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.

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 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Acra Intermediate Holdings, LLC
State: TX

Complaint narrative:
We had a mortgage loan with Citadel Servicing Corporation. We sold our property and escrow closed on XX/XX/2021. The loan was paid in full at closing. Until today we have not received the escrow over payment refund from the lender. XXXX XXXX form the lender company called us on XX/XX/2021 to verify the new address for refund check, yet we never received any checks. After we called them several times, on XX/XX/2021 we provided our bank account info by phone for security ( not by email ) and they agreed to issue an ACH deposit. Until today XX/XX/2021, we did not receive any deposit, we called them again and the only answer we have is, " we will get back to you ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I filed a complaint about TD bank swindling me out of a sign up bonus. I have tried repeatedly to close my account with them and culminate my business dealings with these crooks so they cant XXXX me again. The teller at the bank assured me she would close my account and I had nothing further to do. Im convinced they are trying to keep my account open until the monthly closing period so that they can not only collect an interest free loan from me using fraud, but now collect fees and come out doubly ahead through fraud. Please put an end to this civil fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX Original C Creditor was ( XXXX XXXX XXXX XXXX ) balance of {$89.00}. I called XXXX XXXX XXXX XXXX they said they dont use XXXX XXXX they use XXXX XXXX. The debt was paid in full thru XXXX XXXX on XX/XX/20. I am requesting this to be removed from my credit immidiately.

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 2021-04-14 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

Complaint narrative:
XX/XX/2021 : Account closing XXXX XXXX frozen ) 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 effecting me a great deal as I used PayPal quite frequently. we find this behavior unfair, which is causing enormous economic and moral damage to me and to my company My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
The company has sent me a letter for collections of an account that I do not know. The guy they say is on the associated # I do not know. They have failed to cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Fusion Auto Finance
State: NY

Complaint narrative:
The debt collectors Fusion Auto and XXXX XXXX XXXX were notified in writing by my attorney by letter dated XX/XX/XXXX and XX/XX/XXXX to not contact me directly and instead direct all contact to my attorney. 

This includes a letter and phone call on XX/XX/XXXX and phone calls of XX/XX/XXXX and XX/XX/XXXX Since then they have made repeated harassing and threatening phone calls to me and have refused to contact my attorney. 

This is regarding money claimed to be owed on an auto lease but disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
Had a total loss. The Gap insurance coverage required from me to obtain a copy of the ELO Connected and Protected agreement. Which I had to obtain directly from the office were I financed the vehicle. 
They were not able to assist me stating they do not house those agreement and it's been almost two years since I financed the car. 
They gave my a contact name of XXXX XXXX at XXXX. 
XXXX. 
I called her XX/XX/2021. She answered and said she would get me the agreement. 
I have followed up with her several times and even the finance office again and as of today XX/XX/2021 I have yet to receive a copy of the agreement. 

This is causing my total loss to be delayed and is damaging my credit score.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-14 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: TX

Complaint narrative:
fcra violations : XXXX XXXXXX/XX/XXXX Original creditor : THE XXXX XXXX XXXX {$850.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$850.00} {$850.00} Payment Info Original loan amount {$850.00} Balance {$850.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX Original creditor : XXXX XXXX XXXX - XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$520.00} {$520.00} Payment Info Original loan amount {$520.00} Balance {$520.00} Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this accountXX/XX/XXXX Original creditor :XX/XX/XXXX$520.00} Balance updated Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$520.00} - XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I already send all the proof to XXXX  and 800 loanmart about all the wrong information that they have on my report, I dispute this with proof and XXXX complete the dispute with out any change on this account, when I called XXXX, said that they didn't change this information because 800 loanmart said that this account still open, How a credit bureau can said that after all the proof that I send, the account can still open like they said, but why they have this account with 2 years without data report it from loanmart? I need this issue to be fix or I will open a case with a lawyer, NO credit bureau can have inaccurate information by law. I hope to have a respond a soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: SC

Complaint narrative:
I have contacted Experian NUMBEROUS of times about my 17 collections and 5 inquiries being incorrect on my credit report. These are not mine and are an error on my report. Both collections and inquiries need to be removed 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 2021-04-14 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: WA

Complaint narrative:
An acollection account has been added to my credit report which is fraudulant It is not my account I ask exuifax and transunion to remove from my account and have not removed it. the account added is XXXX XXXX creditor is XX/XX/XXXXthis was never my account I am requesting this account be removed immidiately

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 2021-04-14 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Monarch Recovery Holdings, Inc.
State: MD

Complaint narrative:
Monarch Recovery Management, INC. has failed and refused to issue XXXX XXXX XXXX XXXX a Statement of Account showing a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Central Inc (MS)
State: MS

Complaint narrative:
I recently check my credit report on XX/XX/2021 and notice some collections from CREDIT BUREAU CENTRAL , INC D.B.A. CBC RECOVERY, LLC for some alleged debts of {>= $1,000,000}, and XXXX that i do not owe. I sent them letters on XX/XX/2021 requesting for documentation of the alleged balances, as of yet I have not heard anything from them.I also have attached copies below for the records. this is stressing me out and causing my credit score to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TX

Complaint narrative:
XXXX XXXX should not be reporting to Equifax ; Experian and XXXX  a collection/chargeoff of {$380.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account is 2013 and this account is well over ( 7 ) years old and therefore should not be reporting at all. This false reporting is seriously harming my credit score and this line item needs to be removed. It is violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I already send all the proof to Experian and XXXX XXXX  about all the wrong information that they have on my report, I dispute this with proof and EXPERIAN complete the dispute with out any change on this account, when I called EXPERIAN, said that they didn't change this information because XXXX XXXX  said that this account still open, How a credit bureau can said that after all the proof that I send, the account can still open like they said, but why they have this account with 2 years without data report it from XXXX? I need this issue to be fix or I will open a case with a lawyer, NO credit bureau can have inaccurate information by law. I hope to have a respond a soon as possible.

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 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion a collection/chargeoff of {$380.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account is 2013 and this account is well over ( 7 ) years old and therefore should not be reporting at all. This false reporting is seriously harming my credit score and this line item needs to be removed. It is violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

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