vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove fraudulent addresses. 
I was a victim of identity fraud. 

XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020

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 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C B Merchant Services
State: CA

Complaint narrative:
The debt collector : C B Merchant Services. Tel XXXX Address : C B Merchant Services, XXXX XXXX XXXX, XXXX, CA XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX  Account # XXXX Amount {$200.00} I had XXXX in XXXX, my deductible amount was paid and settled with the doctor 's office XXXX. XXXX XXXXXXXX XXXX XXXX has then retired and closed the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I entered into a contract agreement for {$45000.00} to finance solar panels for my house. I agreed to have payments of {$180.00} withdrawn from my bank account on the XX/XX/XXXXof every month. I was told that I have the option to also apply the tax credit that I receive from the IRS to this balance and the loan will be reammortized. After my payment was automatically deducted from my bank account, I paid an additional {$200.00} in XX/XX/XXXX ( applied XX/XX/XXXX ) that I expected would be applied entirely to the principal balance. Instead, only {$150.00} was applied to principal and {$44.00} was applied to interest and the next due date was extended to XX/XX/XXXX. 

I called customer service and was informed that Mosaic always takes interest first. This seems highly suspect and illegal to me. I'm now worried that the tax credit that I plan to apply will also have interest deducted from it. Please look into this unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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:
I bought two gifts cards from a store in XXXX. They were XXXX XXXX cards, and XXXX told me that the gift cards were fraudulent and already applied to another user 's account. They advised me to contact my bank. When I contacted Citibank ( Sears Mastercard department ) they initially processed the claim but then reverted the credit without providing me any information. Then over phone and secure messaging, I have been provided false information again and again, after several complaints, I received a letter which was stating that, the merchant doesn't accept returns on gift cards. My case was never about the returning the items, I provided them all of the information and email exchanges with XXXX. Now, either the people on the customer service has no idea what's going on or they only reply to my messages on average 10-15 days. Now, they claim it is too late to respond to the merchant.

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 2021-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I am a federally protected consumer and American Credit Acceptance did not disclose to me in the initial communication that this was an attempt to collect a debt. The have violated me in several ways in regard to The Fair Debt Collections Act and The Truth in Lending Act. Please see attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 45 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the Equifax data Breach or some type of Identity theft. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a line of credit — 
Company: Synovus Bank
State: FL

Complaint narrative:
Within the past few years to present day, I've opened multiple accounts with Credit Union such as Credit Cards, Personal Lines of Credit etc. Till this day none of the accounts that I opened with this bank hasn't been reported on my credit report. By this issue keep happening, my credit scores should be higher but their not. Its keeping me from purchasing a home that I deserve and work so hard to try to achieve but since accounts isn't reporting its but a damper on owning my dream home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Last XXXX I've sent disputes regarding to those unknown and inaccurate accounts on my credit report its over 30 days but I haven't received any response. I am a victim of Equifax Data Breach. I Demand to DELETE those accounts ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Due to inflection in use of language. I feel my loan was denied based in an unspecified biased. The company continued to try to find reasons not to fund my loan. My Credit and income met the underwriting requirements. The reason given ultimately for the denial is suspect. The verbal reason was in reference to a credit report from an alternative company. The credit report used in the original qualification matched the credit report that was claimed to have disqualified me. The company refused to give me a detailed accounting on why my loan was denied in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
I have disputed this account several times over the last year through XXXX XXXX, as well as XXXX. I have not done business with XXXX XXXX XXXX. I even said so during my disputes. Neither the collection agency nor the business have provided proof of validity. Failure to provide such information within 30 days results in dismissal of the debt. That being said, it has been over 365 days yet the companies have not sent a Debt Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: MD

Complaint narrative:
On my Three bureaus it is showing that XXXX XXXX is closed and charged off for the amount of XXXX. When I have a letter form XXXX  on their letter head showing that I DO NOT OWE A BALANCE! I have included the letter in this complaint and I would like to have the item updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: MD

Complaint narrative:
On my Three bureaus it is showing that XXXX XXXX is closed and charged off for the amount of XXXX. When I have a letter form XXXX on their letter head showing that I DO NOT OWE A BALANCE! I have included the letter in this complaint and I would like to have the item updated 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 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My stimulus check says that it has been sent there for almost a month now and I call my card and it says its both there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I purchased a cruise from XXXX XXXX scheduled to depart on XX/XX/XXXX, using my Apple credit card which is administered by Goldman Sachs. On XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX, XXXX XXXX  informed me that it was cancelling the cruise due to COVID-19 and I could choose either a future cruise credit or a full refund which would be paid in 90 days. On XX/XX/XXXX, I requested the full refund. I have not received any refund from XXXX XXXX and its website indicates that it does not know when it will be able to repay customers. XXXX XXXX XXXX While the company remains committed to honoring its contractual obligations, it is now on XX/XX/XXXX, 255 days from the date I requested a refund, well beyond what is reasonable for XXXX to refund my money. Pursuant to FTC rules, I initiated a credit card dispute with Apple/Goldman Sachs on XX/XX/XXXX, within 60 days that I was denied the service ( the cruise ) for which I had paid. On XX/XX/XXXX, the Apple/GS denied my dispute saying the merchant had given me a credit. They considered the future cruise credit option, which I rejected in lieu of a full refund, as a credit. I reinitiated the dispute, which was again denied in XX/XX/XXXX on the basis that the merchant had provided information that I had made the purchase. I reinitiated the dispute and yesterday it was again denied on the basis that the merchant had provided information that I had made the purchase. Each time, I have requested the information provided by the merchant and have received nothing. One CSR told me the merchant had provided no information. Moreover, I have never denied making the purchase. I never received the service!! I tried to again dispute the charge yesterday and I can not dispute it yet for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
Company is reporting inaccurate account on my XXXX credit report. Account number XXXX needs to be removed and blocked immediatly! I have made every attempt to dispute this item and the creditor has yet to remove it! This has effected my life drastically!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
My complaint is against CACH , LLC. I won a judgment against them in court on XX/XX/2019. They were unable to substantiate their claims against me. XXXX and XXXX both removed CACH from my credit report. However, XXXX  is still showing the debt. It is imperative that I get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The following items are located on my credit report and does not belong to me. Please have them provide proof of ownership. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 45 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the XXXX data Breach or some type of Identity theft. Please delete.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
No payments have been reported since XX/XX/20. Not showing payments have been made and are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had this credit card with BoA for probably twenty years. My ex-husband left me with a lot of debt on this card and I paid it all off last year, over {$30000.00}. My credit limit got reduced slightly at some point but was still I believe over {$25000.00}. This year I used the card very little because I am trying to refinance my mortgage so that I can hold on to my home post-divorce. Recently I noticed I had missed a payment, not realizing that I had used the card for some on-line purchase. I paid the total in full, to zero. It was about {$450.00}. The next day, I received notice that my credit limit had been reduced from over {$25000.00} to {$500.00}. 

I called BoA to find out what happened and to complain. The woman on the line kept telling me how much she valued me as a long-term customer but that she was unable to explain why my limit would be so drastically reduced. She promised that someone from the correct department would call me the next day. No call that day, nor the day after that. it has been five days, still no call. All I got was a letter with no explanation except to say that my credit report showed a delinquent bill. 

I am in good standing with mortgages on my home and rental property ; all are in forbearance and I make regular monthly payments to cover the interest. I had one blip on my account from a company that bought an old debt of my ex husbands from XXXX and put it in my credit score ; I quickly got that removed. So I have no idea what this is about, but a credit limit reduction of that size is going to damage my credit score so irreparably that I will literally not be able to refinance my mortgage. This decision by a company that I have faithfully been a customer of for twenty years, and with whom I paid last year, by myself, a {$30000.00} debt to XXXX, has just made it impossible for me to hold on to my home because of the impact of this unfair decision. I was rarely even using this card this past year, so there was no risk of my suddenly using up the credit! 

If they want to make a reduction in my credit limit, they need to explain what it is about and allow me to correct the record if they are wrong ; if they still want to make a reduction, it needs to be a reasonable reduction, not a reduction of XXXX percent of my original limit!!! They have claimed to care about their customers, and this is how they treat a customer of 20+ years, destroying our relationship and making it impossible for me to refinance my mortgage and hold on to my home during a global pandemic and a difficult divorce.

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 2021-01-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent Experian a dispute letter with proof of inaccurate REPORTING. The inaccurate REPORTING is circled on the consumer report. The PAYMENT STATUSES of the account are contradictory, and circled on the report. The inaccurate REPORTING therefore makes the account inaccurate. Less than 100 % accuracy is prohibited by the FCRA. The consumer reporting company refuses to remove the account from my consumer report even when clearly shown their inaccurate REPORTING of less than 100 % accuracy.

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 2021-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received alerts that my credit was pulled by two credit card companies multiple times on XX/XX/XXXX and XXXX XXXX Which hard pulls were added to my credit report. I did not apply for any credit with these companies. Capitalone and Cap1/neimanmarcus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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: CA

Complaint narrative:
Unauthorized fraudulent inquires that need to be removed, dispute received by company, company never responded and past over 90 days, fraudulent inquirys listed as XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  - Card ServiceXXXX XXXX - Card ServiceXXXX XXXX XXXX XXXX Equifax Mortgage SerXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CA

Complaint narrative:
Unauthorized fraudulent inquiries that needs to be removed. Sent dispute to company. Company received and never responded after 90 days, Accounts listed as fraudulent inquiries : Equifax Mortgage Ser XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020

Company response to consumer: Closed with explanation