vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/2021 I was trying to order a pizza with my existing NON CREDIT Paypal account. Upon checkout, I was not given any warnings nor did I consent to a credit card application. I found out that PayPal signed me up for a new credit card to make the charge. All communication about this was sent to my junk email and I never submitted the appropriate information ( PII, SSN, DOB ). The card was opened and I found out two weeks later from a XXXX XXXX email. Upon realizing this, I immediately logged into paypal - saw this new card, contacted the company, closed the card and the balance. While talking to a representative, I mentioned the confusion and how i was not informed nor was it my intention to open a card. The representative from PayPal responded saying it was probably an add or an auto-checked box in paypal that signed me up and there was nothing I could do to fix the hard inquiry, new line of credit or this because it wasn't really " fraud ''. Incredibly disappointing at just how misleading this situation was that a new line of credit was opened in my name without my informed consent and with extremely misleading advertising.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03 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: MS

Complaint narrative:
On XX/XX/XXXX, XXXX, I was notified about an updated credit score on myFico app. I noticed that I lost XXXX points from Equifax. I called them and they were unable to give me an explanation as to why I lost points. There were no collections added, no new debt, no new accounts opened, no accounts were closed, nor did I apply for anything. On XX/XX/2021, I received XXXX points back. On XX/XX/XXXX, I received XXXX point. On XX/XX/XXXX, I received XXXX points, where my credit score was XXXX. On XX/XX/XXXX, once again, I lost XXXX points. I am not understanding why every time I reach XXXX, I lose XXXX points. When I call, they tell me the " system '' calculates the points daily. Our livelihoods should not be up to a computer, as if it doesn't make errors. You can't have anything in life without credit, and I have worked extremely hard to fix my credit. It's bad enough that I have disputed the same 3 accounts over and over for inaccurate information amongst the credit reporting agencies, and yet they refuse to delete it. The reason I haven't disputed them again is that I am under contract to buy a home and heard that I can't have any accounts in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Disputes were submitted to all three credit reporting agencies on multiple occasions this year. Santander continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally Santander violated many other Federal laws which entitles me to financial compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: PA

Complaint narrative:
spoke to company and told them I recently reviewed my credit report and saw a collection account from them that i never had any knowledge of. I told them I never gave them permission to open the account and asked how the account was opened. I was disregarded and given a nasty attitude. I called multiple times explain that I did not open an account and it was hurting my life. I then decided to try and make payment for it to go away only for this account that i did not apply for grow larger. I never gave permission for Discover to furnish this account in the first place let alone open the account. Someone used my information to open this account without my knowledge and I have been suffering for it. I was told that there was evidence the account was opened without my consent from a representative. I move a lot and I never lived at the address that is on file it is my fathers address and he is old and sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Disputes were submitted to all three credit reporting agencies on multiple occasions this year. XXXX continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally XXXX violated many other Federal laws which entitles me to financial compensation.

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 2021-10-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Disputes were submitted to all three credit reporting agencies on multiple occasions this year. XXXX continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally XXXX violated many other Federal laws which entitles me to financial compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Disputes were submitted to all three credit reporting agencies on multiple occasions this year. XXXX continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally XXXX violated many other Federal laws which entitles me to financial compensation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Blockchain.com, Inc.
State: TX

Complaint narrative:
I purchased XXXX from Blockchain.com using my debit card. 
After the purchase, I tried to move my coins purchased to my personal secured wallet for storage. 
When contacted customer service by chat to see why is it not letting me withdraw my coins, they sent link to a seperate support article which is not present anywhere in the website saying once the purchase is made, you cant withdraw your coins outside our exchange for 3 days. This is completly wrong business practice and not disclosed anywhere within the blockchain.com. i hope CFPB takes appropriate action and close its operation in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander continues to verify this account after they were instructed to remove it due to the multi state settlement agreement they entered into with the attorney generals office. 
I have submitted 4 disputes this year with XXXX and the latest dispute was again verified a few days ago. My account meets all legal the criteria. I continue to incur damages and was recently denied credit due to this matter. Additionally, Santander violated several other laws in which I will pursue legal action if this issue isnt immediately resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: MD

Complaint narrative:
disputed Information that does not belong to me and it still is showing on my report. My identity had to be stolen because there are multiple addresses that are not mine and info that is not mine showing on my report. I sent information a month ago only to still be dealing with fraud furnished on my report. they are breaking FCRA laws!

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 2021-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTATION FROM OPTION ONE. IN 2004 WE THOUGHT WE RECEIVED A MORTGAGE FROM XXXX XXXX XXXX XXXX. AFTER FURTHER INVESTIGATION THERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX XXXX, XXXX GA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THE CURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WERE OBTAINING FRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION. I PREVIOUSLY SUBMITTED A COMPLAINT REGARDING PROPERTY AT XXXX XXXX XXXX, XXXX GA XXXX. IT APPEARS AROUND THE TIME IN 2004 WE THOUGHT WE WERE RECEIVE A MORTGAGE FROM XXXX XXXX XXXX XXXX WE DID NOT ALTHOUGH THE PAYMENT COUPONS WERE SENT. THERE WAS A LOAN TAKEN OUT ON XXXX XXXX XXXX BY XXXX XXXX  AT THE SAME TIME WE THOUGHT WE WERE APPLYING FOR A MORTGAGE WITH XXXX XXXX XXXX XXXX. MY SPOUSE FILED ALL FRADULUENT ACTIVITY IN THE US BRC OF XXXX  GEORGIA IN ORDER TO OBTAIN AN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT XXXX ATTORNEY IS ALLEGELY SERVING 15 YEARS, XXXX XXXX. MY SPOUSE FILED A LAWSUIT IN THE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WE WERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANT AMOUNT OF XXXX, IT APPEARS HE IS STALLING AND WILL NOT RESPOND TO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE. WE HAVE NO CHOOSE BUT, TO EXPOSE EVERYONE AND ALL DOCUMENTATION WILL BE SENT. EVERYONE KNOWS NO MORTGAGE COMPANY WILL APPROVE 4 TO 5 LOANS IN A WEEK OR MONTH FOR A XXXX COUPLE! PLEASE!

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 2021-10-03 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:
I disputed inaccurate negative information being reported to my credit report on XX/XX/2021 and did not receive any investigation results and these inaccurate items still remain on my credit report. They are in violation of the FCRA for not performing an investigation as I requested. The following unverified information still remains on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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:
Reporting items that violate my rights as a federally protected consumer. XXXX  bal. {$1100.00} Acc. no. XXXX : XXXX XXXX bal. {$510.00} Acc. no. XXXX ; XXXX XXXX bal. {$420.00} Acc. no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: TX

Complaint narrative:
Equifax is reporting inaccurate public record information. They failed to do a proper investigation. They said that they validating this. I went to the court the court said they don't validate or report to any credit bureaus. Here is my letter from the court but yet the credit bureau is still verifying this information as accurate. The US Bankruptcy court-XXXX ID # XXXX is inaccurate. I attached proof that this information was not verified with the courts. 
I contacted XXXX XXXX a letter via mail on XX/XX/2021 requesting them to verify and provide me with a copy of a contract that I have with their company, bearing my signature, provide me with a copy of my HIPPA release from the medical creditor that releases my medial information to them. Provide me with the first date of delinquency from the original creditor in accordance with FCRA Sec 623 ( a ) ( 5 ) ( A ) ( B ). They violated my HIPPA rights and did not provide me with the requested information. 
Equifax stated they obtained my information from third party vendor, XXXX on XX/XX/2021 but, I put a security freeze on my information on XX/XX/2021 with XXXX. Another Credit Bureau, XXXX, deleted the collection item, XXXX XXXX XXXX, from my credit report, but I thought all your information was obtained from XXXX, like XXXX. please see the attached Equifax dispute results, XXXX security freeze, XXXX account deletion, and also the letter I sent to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: MD

Complaint narrative:
disputed Information that does not belong to me and it still is showing on my report. My identity had to be stolen because there are multiple addresses that are not mine and info that is not mine showing on my report. I sent information a month ago only to still be dealing with fraud furnished on my report. they are breaking FCRA laws!

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 2021-10-03 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: MD

Complaint narrative:
disputed Information that does not belong to me and it still is showing on my report. My identity had to be stolen because there are multiple addresses that are not mine and info that is not mine showing on my report. I sent information a month ago only to still be dealing with fraud furnished on my report. they are breaking FCRA laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: TN

Complaint narrative:
There was an inquiry placed on my credit report on XX/XX/2021 by Regional Acceptance Corp. that I did not authorize. I have asked them to remove the inquiry and they refuse to do so. I asked them if they had any documentation showing my signature or anything of that nature. I didn't receive a clear response on that. If they don't have documentation showing I signed something or requesting something from them then I expect them to remove it. I don't want to go to more drastic measures and report them to the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One reporting derogatory information on my Credit report. I do not have a capital one account, and I never applied for a Capital One account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: TX

Complaint narrative:
XXXX XXXX XXXX {$20000.00} Balance updated XX/XX/2021 10 late payments Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$460.00} Balance updated Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$340.00} Balance updated Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$2200.00} Balance updated Account Info Account number XXXX Filed FTC, Remove these accounts from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTATION FROM HOMEWARD MORTGAGE. THIS IS A FRAUD LOAN. THIS PERTAIN TO XXXX XXXX XXXX XXXX, XXXX, GA XXXX, APPARENTLY THIS HOWARD AND AMERICAN HOME SERVICING ARE THE SAME 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 2021-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am writing this complaint due to the fact that Quicken Loans has denied me for credit you can find this situation under APPLICATION # XXXX. I spoke with a gentlemen by the name of XXXX XXXX XXXX who has asked me to put a down payment for an extension of credit this violation falls under 2 different statutes the first being The Truth In Lending act you can not advertise or promote that a down payment is required in connection with any extension of consumer credit pursuant to 15 USC 1662 ( 2 ). 
Second violation being under the The Equal Credit Opportunity Act, Quicken Loans has violated me due to the fact that it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter. 
The chapter is 41 Consumer Credit Protection where The Truth In Lending Act is in and under the truth in lending act there is a definition called credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. As you can see It is MY RIGHT TO GRANT CREDIT and you aren't allowing me to do that making this an act of discrimination because I have tried to grant credit which is my right.

1. I NEED A RESPONSE STATING IF XXXX XXXX XXXX ASKED OR REQUIRED ME TO PUT A DOWNPAYMENT DOWN IN AN EXTENSION OF CREDIT. 
2. ALSO I NEED A RESPONSE TO WHY I HAVE BEEN DISCRIMINATED AGAINST FOR GRANTING CREDIT WHICH IS MY RIGHT.

3. AND LASTLY I NEED A SENIOR EXECUTIVE TO DEFINE THE TERMS YOU HAVE USED BELOW DUE TO ME NOT UNDERSTANDING FOR THEY ARE NOT IN THE TRUTH IN LENDING ACT : LOAN BORROW DEBT INCOME LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
APPARENTLY, I ASSUME SOMEONE FROM THE CFPB IS WORKING TODAY OR YOUR SYSTEM IS HACKED. THE LAST COMPLAINT IS ALREADY STATING SENT TO THE REGULATOR. THE ONLY ADDITIONAL OPTION WILL BE TO ASSUME KEEP WORKS OR PHRASES CAUSES A LEVEL OF FILTERING. 
I AM REQUESTING THE CFPB TO REVIEW THE UPLOAD DOCUMENTS. PLEASE NOTE SOMEONE CREATED THE XXXX XXXX FOR XXXX FROM THE SAME TEMPLATE AS BANK OF AMERICA ITS SO FRADULUENT IF YOU NOTICE THE ACCOUNT NUMBER AT THE TOP OF THE PAGE IS THE SAME XXXX. THESE FRAUD DOCS PERTAIN TO XXXX XXXX XXXX, XXXX GA XXXX, I AM REQUESTING ALL DOCUMENTS FROM BANK OF AMERICA AS THIS LOAD IS FRADULUENT AS WELL. 

THIS IS PATHETIC!

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