vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-17 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: NJ

Complaint narrative:
There are multiple accounts on my report I do not recognize

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 2021-10-17 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: NJ

Complaint narrative:
There are multiple accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My account was comprimised and paypal did nothing to protect my money even after i reported it stolen and refuse to correct their wrong in the amount excess XXXX dollars and their customer service rep stated to me i wouldnt get my money back so just close the disputes, I did that and now they tell me i would of been accepted but i closed them so now i cant get my money back. I have been telling them for 3 months about these charges to no avail and XXXX, & XXXX " supervisors ' basically laughed at me and rejected me on the phone. i have 21 closed cases and 12 open currently and received XXXX  dollars back. i have over 50 unauthorized charges and its MY money im begging for. i can upload all of my documents to you but its sensitive info but it definatly exceeds XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
They closed my account on XXXX, and denied to give me back my money I had in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XXXX, I applied for a refinance loan with Bank of America. The rate was locked for 90 days. Immediately, I started having problems with Bank of America 's Navigator, being unable to sign in and view the loan documents. For months this continued on with BOA not willing this fix this problem, which made it impossible for me to provide documents to them in a timely manner. On XX/XX/2021, I spoke with supervisor XXXX XXXX about listing our property for sale. She never told me that I should not list this property for sale during this loan application. On/around XXXX, I made a request by email to supervisor XXXX XXXX for a Reconsideration of Value on the Appraisal. Almost three weeks after requesting this, Mr. XXXX finally acknowledged that he had started this request. During the last week of XX/XX/2021, XXXX XXXX informed me that since we had listed our property for sale, BOA would be denying our loan, but he would try to get an exception made to continue the loan process. On XXXX, he told me the loan had been denied, and we must start over with another loan. I have made multiple requests for BOA to send me the documents that state that we must not list our property for sale ; including requests for a copy of the " exception denial ''. BOA refuses to give me these documents. On XXXX, I received a total of nine emails from the BOA 's Navigator, which I can not sign in on, which I assume is for this second new loan. BOA has accused me of falsifying question 5a on page 10 of the loan application. BOA 's underwriter has harassed me with ridiculous questions. I feel discrimination against me has been involved during this first loan process. BOA has not mailed to me this loan denial, nor anything else. I spent a lot of time and money on this first loan application. Now, BOA is trying to make me do this again with a second loan application. BOA needs to send me the documents that I have requested ; and they need to stop this loan denial ; so that we can close on this first loan before the rate lock expires,

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 2021-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
In XXXX of 2017, I leased a car from carite but a bank named brite financial gave me the loan. I was at a fresh credit and was still charged an enormous amount of interest, I was paying {$400.00} at XXXX XXXX XXXX XXXX. I was given an job loss preventation program that I find out was a lie years later. The car was messing up within the first 30 days and I was guaranteed an fix and the company denied to fix the vehicle I couldnt return my car or anything within the first 30 days so they knew I was stuck with a bad car. I lost my job while working full time and attending school. I expressed that to the repo manager at the time and she took my car because I was being disrespectful and I was also in a private property which they broke a state law. They have multiple errors on my credit and both bureaus refuse to remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I started an investigation or complaint with the bureaus. Capital one is reporting errors on my credit. They filed my complaint. Capital one responded with further inaccurate information. They have increased my balance changed although I do not have any way of adding debt because I do not have an account. Increased my payment history. They changed my account opening date and account status to open. I do not have an account open with this creditor. I have no history of transactions to report. My initial request was to verify the information because it is not consistent with XXXX, XXXX or XXXX. My job and credit are related. I could face termination for this company reporting inaccurate information. Please resolve by deleting all capital one accounts from my credit. They are fraudulent and harmful to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: OH

Complaint narrative:
chime is refusing to return my money after i reported that i wanted to cancel payment on a cell phone place that sold me malfunctioning phone and this place charged my other cards to and hacked my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: EQUIFAX, INC.
State: OR

Complaint narrative:
So I believe it's Equifax that has that on there you said another trying to work through the issue or whatever but the thing is it's like there's really no trying to work through the issue when that's the like law or like rule you know it's like law is supposed to be like taking to the word not to like interpretation so that needs to be removed then

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is reporting closed and paid in full WalmartCapital One card to all credit bureaus XXXX, XXXX and XXXX as missed payments which drops my fico scores dramatically keeping it in the negative with other possible financial creditors. Why is this reported four times its paid its closed. XXXX XXXX is saying that capital one gives them the information to report and they do it and get paid for it. This is unprofessional and fraudulent activity. As a woman this is discriminatory toward my gender and a person of XXXX as I have on many occasions as for a resolution and the answer is not resolved. These practices must stop. Iam asking cfbs to take the most aggressive steps to stop is egregious behavior towards correcting my credit accounts reported as I final step I will seek legal action for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: PA

Complaint narrative:
I, XXXX XXXX XXXX am aware that Equifax has grossly violated the Congressional Laws under 15 USC 1681b - Permissible Purposes of Consumer Reports. ( a ) In General : Subject to subsection ( c ), ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I NEVER gave Equifax or any consumer reporting agency any written consent to report anything on my consumer report and or file, which is in clear violation of my Privacy. No consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I started an investigation or complaint with the bureaus. XXXX  XXXX is reporting errors on my credit. They filed my complaint. XXXX  XXXX responded with further inaccurate information. They have increased my balance changed although I do not have any way of adding debt because I do not have an account. Increased my payment history. They changed my account opening date and account status to open. I do not have an account open with this creditor. I have no history of transactions to report. My initial request was to verify the information because it is not consistent with XXXX, XXXX or Experian. My job and credit are related. I could face termination for this company reporting inaccurate information. Please resolve by deleting all XXXX XXXX accounts from my credit. They are fraudulent and harmful to me as a consumer.

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 2021-10-17 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: NY

Complaint narrative:
XXXX XXXX is reporting closed and paid in full XXXX XXXX card to all credit bureaus Equifax, XXXX and XXXX as missed payments which drops my fico scores dramatically keeping it in the negative with other possible financial creditors. Why is this reported four times its paid its closed. XXXX XXXX is saying that XXXX XXXX gives them the information to report and they do it and get paid for it. This is unprofessional and fraudulent activity. As a woman this is discriminatory toward my gender and a person of XXXX as I have on many occasions as for a resolution and the answer is not resolved. These practices must stop. Iam asking cfbs to take the most aggressive steps to stop is egregious behavior towards correcting my credit accounts reported as I final step I will seek legal action for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One main financial pulled my credit report I dont know why I did not verify this. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have a Mastercard credit card account opened at the HSBC and activated on XX/XX/XXXX ( see first card statement attached ). However XXXX  only report my HSBC card account since XXXX ( see latest credit report ). I am therefore missing three years of duration in the account history. I have maintained since XXXX my HSBC Mastercard payments in good standing with XXXX past due. As the older the better for an account in its score computation I deserver a fair treatment and all the months be taken into consideration, appearing in full in my report since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Collection Services, LLC
State: NY

Complaint narrative:
Receivables XXXX, XXXX XXXX, XXXX XXXX launched derogatory credit reporting very recently. I have not heard of the company. When I called, their outgoing message identified them as a debt collector. Please, restrict companies from derogatory credit reporting. I am fully insured and have found that providers often place claims incorrectly creating problems. If someone contacts me I can help them to resolve any issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a Mastercard credit card account opened at the XXXX and activated on XX/XX/XXXX ( see first card statement attached ). However Experian only report my XXXX card account since XXXX ( see latest credit report ). I am therefore missing three years of duration in the account history. I have maintained since XXXX my XXXX Mastercard payments in good standing with XXXX past due. As the older the better for an account in its score computation I deserver a fair treatment and all the months be taken into consideration, appearing in full in my report since XX/XX/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 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was unaware of Consumer Finance Protection Bureau. The Tennessee Division of Consumer Affairs has been helping me resolve an issue with BB & T Bank. BB & T had the {$5.00} a month promotion going. So I opened an account with BB & T and I called them to make sure that I was opted out of overdraft. Then I got charged an Overdraft Fee anyway. So I filed a complaint with the Tennessee Division of Consumer Affairs. BB & T assured me that I was completely opted out of overdraft and that it wouldn't happen again and then I got hit with another overdraft fee and a " returned item fee ''. I am on Social Security XXXX so I don't have the money to be able to pay overdraft fees so if there isnt enough money in the bank then the transaction shouldn't go through. 
BB & T is just making up things to charge me more than the {$5.00} a month that I agreed to pay. BB & T has done nothing to earn this money and they've been told repeatedly by myself and with the Tennessee Division of Consumer Affairs moderating to stop. But, they act like they can just make up new names for things to steal money from me. 
I don't actually know what overdrafted and what item was returned because even at the time of this posting BB & T has not disclosed it.

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 2021-10-17 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:
Last year I discovered false accounts with XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX XXXX and XXXX XXXX  conducted an investigation. Yet they still show up on my credit reports Please help me resolve this issue as 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 2021-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
. My complaint is that malen & Associates file number is XXXX XXXX index XXXX their address is XXXX XXXX XXXX XXXX ny XXXX. Their phone is XXXX XXXX unlawfully filed a lawsuit suit against me in civil court XXXX  County ny regarding XXXX XXXX XXXX  this is a old debt that's fives years old past the state of limitations I had a checking account that was a negative balance back in XXXX. I reach out to the law office male and associates to do a payment plan during that time I told them that I can only pay XXXX dollars a month they agreed with me I signed stipulations I made a few payments I ended up latter getting late during the time covid happened causing this XXXX  to change .I was also shock that they did a soft pull on my XXXX credit report in XXXX I got alert from XXXX they thought that during soft pull I won't see inquiry from them but I did in XX/XX/XXXX. Also they sent me a unlawfully letter saying that they filed a judgment against me to take my property without notifying me a all. If I'm on a payment plan and agreed to pay XXXX dollars a month. They don't suppose to filed a judgment against me. And I agree to a payment plan. Even the debt is 5 years old going on six years soon. Also to have judgment vacated. I filed complaint with nys attorney General office that males associates violated covid laws creditors collections and attorneys don't suppose to take legal action from consumers they suppose to work out a solution in payment plan s.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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:
Last year I discovered false accounts with XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX XXXX and XXXX XXXX  conducted an investigation. Yet they still show up on my credit reports Please help me resolve this issue as 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 2021-10-17 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:
Last year I discovered false accounts with XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX XXXX and XXXX XXXX  conducted an investigation. Yet they still show up on my credit reports Please help me resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have requested multiple times for multiple entries on all three reporting agencies to be corrected. Not only have they not, but they now refuse to allow me access to my own files. 

I sent all three a letter through the USPS with copies of my passport ; license and passport card. They still refuse. 

Please require all three of them to immediately send me paper reports, and do whatever has to be done to allow me online access. This was in my written request, which they have ignored,

Company response to consumer: Closed with explanation