vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Last year, I purchased a used vehicle from XXXX XXXX in XXXX, NY. To finance the vehicle, I took out a loan theough the dealership. The dealership ran my credit through three different loan companies without my consent. When I asked why they sent a loan request through several companies without informing me first, the response I got was well its Saturday and I needed a customer service representative to set you up. All three of those credit checks were high impact. Those hard impacts later affected my credit. The dealership finally settled when they set up the loan through capital one. I was able to pay off this five-year loan in about six months because I came into some money and I wanted to make sure I didnt have too many outstanding debts, as I already have a lot of student loans as a teacher. I thought paying off this loan in full in a quicker amount of time would boost my credit. As a result of paying this off, my credit score dropped from XXXX down to XXXX. I have been struggling to raise this score even though I have been paying off all other loans in full and timely, as well as opening additional credit cards to raise my score. I do not think it is fair to penalize my credit score for paying off a loan IN FULL earlier because I was financially sound. I wish to file a grievance and have my credit score looked at and adjusted accordingly if possible. This is affecting my ability to get more credit and move into another residency because the score has dropped so significantly and will not rise no matter what I tried to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: CA

Complaint narrative:
I had been a victim of identity theft

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 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Everytime I try to dispute online with equifax for anything incorrect, the online dispute through equifax says you cant dispute online, please call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX SER Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2021-01-02 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: GA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. It states XXXX made a Bank / Credit Card Inquiry by checking your Transunion Credit File. It declares : Credit Alert New Inquiry Reported By XXXX Reported On XX/XX/2020. I understand when you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. This inquiry was made by https : //www.finder.com/barclaycard-pre-qualify-credit-cards online website. I remember working with Barclaycard.com on XX/XX/2020, as they are the company I used for a pre-qualified credit card application. ( see attached screenshot on attached letter ) However, I applied with the understanding this would NOT be a hard pull on my credit report. Pre-Qualified has the benefit of No effect on credit score. 
Under no circumstances did I approve a hard inquiry to my credit report. XXXX website clearly states pre-qualified. 
Transunion sent a letter on XX/XX/2020, stating inquiry stays on your credit file for two years and the XXXX website clearly states this for pre-qualified application.

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 2021-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DID NOT APPLY FOR A STORE CREDIT CARD WITH XXXX XXXX/XXXX XXXX. THIS IS FRAUD AND I WILL SUE EXPERIAN IF THIS IS NOT REMOVED!! XXXX HAS ALREADY IDENTIFIED THIS AS FRAUDULENT ACTIVITY AND REMOVED THE HARD PULL FROM MY CREDIT REPORT, WHY HASNT EXPERIAN??!?!?

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 2021-01-02 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: CA

Complaint narrative:
The accounts listed are not my accounts, nor have I authorized any of these companies listed to run my credit. Please remove this information from my credit report. 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 2021-01-02 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: CA

Complaint narrative:
The accounts listed are not my accounts, nor have I authorized any of these companies listed to run my credit. Please remove this information from my credit report. 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 2021-01-02 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:
The accounts listed are not my accounts, nor have I authorized any of these companies listed to run my credit. Please remove this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/2020 Claim ID Total Amount of Claim Claim Type XXXX {$210.00} Fraud XXXX I received notice that my claim had been denied ( because I shop in the areas it happened, One was at XXXX and one at another store ) Im frustrated because who doesnt shop at there local XXXX XXXX I have also found a third transaction for a steak and shake that was not me. There was also a XXXX charge but the merchant has promised to resolve it ( still waiting ) Im currently being charged {$470.00} dollars in fees because of this. 

I also hold another account that the card was completely locked down on yet they allowed a XXXX dollar charge to go through and then charged me XXXX dollars in overdraft. 

I find it absolutely crazy that Im charged all these fees and Im the victim of my card being skimmed.

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 2021-01-02 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: CA

Complaint narrative:
These are not my accounts. Please remove them among the few others I submitted on the other report. 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 2021-01-02 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: CA

Complaint narrative:
These are not my accounts. Please remove them among the few others I submitted on the other report. 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 2021-01-02 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:
These are not my accounts. Please remove them among the few others I submitted on the other report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX claims from the bank of america prepaid edd card services were stolen in entiriety totalling in {$12000.00}. I have exhausted all efforts to obtain the money from their claims department and custoemr servicr which never answers or leaves me on hold for 3-4 hrs at a time. They have also made false statements against their policies. i am too the point that im going to be taking this to court if i dont get my reimbursement. its been since XXXX i believe when i first dicsovered this and made a claim. they supposedly fid their investigation in XXXX and early XXXX i never received correspondence but obviously was not found to be of any fault because i wasnt and can easily prove it. They literally closed my former account in order to cover this mistake up i believe and said they cant send me my statements from that card account now. Fraaud is ridiculous with this company.

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 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group
State: CA

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
We did not recieve our statement for XX/XX/XXXX. We contacted Loancare Llc to get them to resend a statement ( never arrived ) and get our loan number so we could make a payment. The payment for XX/XX/XXXX was made on XX/XX/XXXX. Once again we did not receive a statement for XXXX. We logged on to their website to make the payment. We were immediately shown that we were behind by one payment and that we needed to make a double payment to catch up. We made the double payment just to make sure there would not be any issues. I have attached screen shots of the emails and online account info to back this up.

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 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

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 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
lease help me and possibly XXXXXX/XX/XXXX of others whose accounts have been closed randomly and all the money taken from them. We are in the middle of the worst crisis and now they took my money. I do not have enough to feed my family or put gas in my car to get to work. 

After they closed my account I did some research and they are doing this to thousands of people. I spoke with two supervisors and they actually went through my entire account and could not understand why I was close. 

My issue is probably small to some I had {$720.00} in the account but I really needed that. 

Please contact me. 

I have all the documentation you need to prove Chime commited fraud. I am going to call and email once a day until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/XXXX of 2020 theXX/XX/XXXXXXXX XXXX account XXXX received a deposit of {$18.00} that had cleared without any known problems. XX/XX/2020 another transfer was made fromXX/XX/XXXXXXXX XXXX account XXXX of {$28.00} but did not deposit. Instead On the same day as that transferXX/XX/XXXXXXXX XXXX account XXXX completed a unauthorized transaction on XX/XX/2020 BARCLAYS BANK DE , COLLECTION - {$28.00}. That transaction was not authorized or initiated by myself.

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 2021-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My nephew graduated in XXXX from XXXX XXXX, XXXX Graduation set for XX/XX/XXXX so we had to pay {$210.00} on XX/XX/XXXX for cap and gown, venue, and picture. 
The school postponed ceremony to XX/XX/XXXX My airline flight non refundable was scheduled for XX/XX/XXXX My XXXX expires in XXXX on XX/XX/XXXX Thus I need to leave and not attend ceremony Assumption asked me to contact credit card and get chargeback as Admin is out of office ( due to Covid ), all next semester on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

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 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I have in the past few months been deactivated from XXXX, XXXX XXXX, google pay, an my XXXX account ( XXXX XXXX ) I have lost clients, transactions, behind this I have reported to all apps the issues I've been having I've been locked out of accounts from my bank XXXX mobile banking I'm going thru a dispute right now with my bank I can no longer use my XXXX MasterCard I've been kicked of my XXXX XXXX I have a open dispute going with XXXXXXXX, XXXX XXXX an XXXX XXXX XXXX I have transactions I can not access in my XXXX  account because of suspicious activity the poscess to dispute these accounts has caused me to lose a lot of funding for my new XXXX XXXX it's caused me to be late on my bill payments because I can not access my transactions customer service has giving me instructions to get back into my accounts an when I provide all the information I can it never gets resolved. I need to be able to get my accounts back open I have appointments stacking up an I need to work

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$1500.00}, {$1300.00}, {$4400.00}, {$2100.00}, {$1800.00}, {$0.00}, {$6400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


-- AUTO LOAN OR LEASE -- 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my 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