vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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: NJ

Complaint narrative:
On XX/XX/XXXX I went a dealership to finance a car. I expressed to the salesman and also also the finance department that I only wanted to apply to one bank and if I wasn't approved to not use my credit for any other banks. THEY LIED and sought after credit to more than one bank. 
The credit bureaus were suppose to use all of these same date car loan inquiries as one. The following inquiries were not authorized : 1.XXXX/XXXX XXXX XXXX 2.XXXX  XXXX XXXX- XX/XX/XXXX XXXX XXXX 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 2020-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX, TX XXXXXXXXTo whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. On XX/XX/2020, I retrieved a copy of my credit report on XXXX and discovered an inquiry that I have no knowledge of that it would hit my credit. I was told that as long as the application is within 30 days of each other on a mortgage loan that I would ONLY have 1 hard inquiry. I did apply for credit with XXXX XXXX on XX/XX/2020 and was approved, that was 14 days before XXXX/Quicken Loans on XX/XX/2020. I have also reached out asking that they remove the inquiry from my credit profile. Per XXXX XXXX with Quicken Loans they do not have the ability to remove the inquiry that was falsely reported. I am purchasinga home and this inquirydropped my score over 15 points at all XXXX, XXXX, XXXX. 
I asked the operator on the chat to remove the hard inquiry, along with all my information. Your company should ask before pulling someone's credit and potentiallyaffecting the chance of homeownership, if that person has any bankruptcies or anything on their credit that could hinder an approval instead of asking for my SS, DOB and name.Please launch an investigation into the Quicken Loan inquiry todetermine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Quicken Loan is able to prove that the inquiry is indeed valid, and is not in violation of the law, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Please remove ASAP. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was checking my credit report and saw that I had a collection on my account from Midland Funding LLC saying I owed a debt of {$1400.00} from a XXXX XXXX credit account. I have never had a credit account with XXXX XXXX ever. I tried to dispute it through credit karma but have not been able to have it removed. I have never received a validation of debt or anything like that. I have never even been contacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have numerous credit inquiries that are not recognized on my credit reports. I have sent letters to each credit reporting agency including XXXX, XXXX and transunion. I have no help and no reply as to what needs to be done. I would like them to acknowledge that these are fraudulent credit inquiries or at least not authorized by me and remove them. I even received one credit card for XXXX XXXX  that was applied for as well, the problem here is im a man why would i need a XXXX  XXXX  card for? I have several disputes that just do not get taken care of too.

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 2020-11-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a personal certificate of deposit with Bank of America which I opened as a security for a business cash rewards credit card. I closed this credit card over the phone about 3 weeks back, and requested to remove hold on the CD, and send me the funds by check. The card was closed, but the hold was not removed from the CD. Here, I must mention that the business credit card had a corporate account linked to it ( any Bank of America business card has one I believe, and you can only make payments to the corporate account ) and that has XXXX balance since I paid it off before requesting closure. For some reason, the card itself shows {$3.00} balance. ( I've had this happen before, even after paying off the corporate account, the card balance doesn't always reflect it properly ) Anyway, it's clear the card is closed and there's no balance due on the account. Yet Bank of America is not releasing the CD. I called back on XXXX, and again requested to remove the hold, and I was expressly told it would be done in 48 hours. I called again today, and there is still a hold on the CD. I guess I don't know how to get you to close the CD at this point. Whenever I call you, I have to spend close to an hour on the phone even as the representatives have to transfer me from the CD department to the business card department and back. Could you please remove hold on the CD, close it and send me the funds? That is my sincere request, though I have zero idea about why I have to put in so many requests to access my own money. I have to mention here a similar experience I had when I was opening the CD. After I applied online, the application was never acted upon until about a month later, when I filed a complaint with the CFPB, whence it was opened in 2 days. It still led to an additional hard pull on my credit to open the business card after that since a month had passed since I applied, the delay caused only because you didn't act on my CD application. It seems like going forward, if I have any requests with Bank of America, I should never contact you at all, but directly file a CFPB complaint as that is the only way to get results.

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 monetary relief
Consumer complaint received 2020-11-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased sneakers from a merchant online on XXXX XXXX, 2020 for {$1000.00}. After not receiving the package, I filed a dispute with my credit card XXXX Chase bank ). The merchant provided me with a fake tracking number - according to XXXX, the tracking number that the merchant gave me did NOT match my name and address. 
I sent evidence to my bank that the merchant provided me with a fake tracking number but they are taking the merchant 's side. 
They're taking the merchants side because the XXXX tracking number reads that the package was delivered to an address in XXXX XXXX, CA ( the city where I live ). I tried to explain to them that this was a common fraud practice where the merchant uploads an already used tracking number. They're ignoring the evidence that I sent them that proves that the tracking number doesn't match my name or address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX, XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX  CARD XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-10 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: NC

Complaint narrative:
Experian,XX/XX/XXXX and XXXX have arent complying with my dispute request. I have attached both letters Ive submitted to the three bureaus in the documents section below.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020, I requested an investigation of my credit report. I sent a certified return receipt request letter to Experian. I requested that they investigate the creditor XXXX XXXX and XX/XX/XXXX XXXX XXXX. 
I sent letters to these creditors before and got no response. I checked my credit report on Experian today, and these creditors are still reporting false information to 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 2020-11-10 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi, The capital one is ridiculous. I payed {$1000.00} last month and my balance on XXXX XXXX was showing {$790.00} due, today its showing {$1900.00}. I contacted the bank, they dont know explaining and wants to charge me it! Ridiculous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: CBC Companies, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: NJ

Complaint narrative:
On XX/XX/XXXX I went a dealership to finance a car. I expressed to the salesman and also also the finance department that I only wanted to apply to XXXX XX/XX/XXXX and if I wasn't approved to not use my credit for any other banks. THEY LIED and sought after credit to more than XXXXXX/XX/XXXX. 
The credit bureaus were suppose to use all of these same date car loan inquiries as one. The following inquiries were not authorized : 1XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 2020-11-10 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: NJ

Complaint narrative:
On XX/XX/XXXX I went a dealership to finance a car. I expressed to the salesman and also also the finance department that I only wanted to apply to XXXX XX/XX/XXXXand if I wasn't approved to not use my credit for any other banks. THEY LIED and sought after credit to more than XXXXXX/XX/XXXX 
The credit bureaus were suppose to use all of these same date car loan inquiries as one. The following inquiries were not authorized : 1.XXXX XXXX XXXX 2.XX/XX/XXXX- XX/XX/XXXX 3.XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX {$22000.00} XX/XX/XXXX XXXX {$17000.00} JXX/XX/XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$5000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: NH

Complaint narrative:
I sent a letter regarding an inaccurate bankruptcy listed on my credit report. I have been going back and forth with the 3 major credit bureaus TRANSUNION, XX/XX/XXXX, XX/XX/XXXX for several months now. I have sent in an FTC report, a letter from the bankruptcy court stating they don't report this information, letter after letter, and the bankruptcy still has not been thoroughly investigated or verified. The credit bureaus stated that they have verified the bankruptcy with XXXX XXXX and XXXX XXXX sent me a letter stating the the bankruptcy has been deleted from their system because it didnt belong there in the first place. So the credit bureaus are blantantly lying and not investigating anything and I would like this bankruptcy DELETED from my credit report IMMEDIATELY! I WILL FILE FOR LITIGATION DUE TO THE STRESS THIS IS CAUSING. MY INFORMATION WAS ALSO IMPACTED BY THE XX/XX/XXXX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.

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 2020-11-10 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2019, National Credit Adjusters ( NCA ) added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus in an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This item is appearing on my credit reports whereas I had not intended to have this product. 
Once I found this card in the mail I had immediately contacted the company that it is not a product I intended to apply for. 
I had never activated the card and requested from the company it be closed and deleted from my credit reports. The agent said that it will not be reported since I had requested closure within 30 days. 


APPLE CARD/GS BANK USA XXXX StatusPaid, Closed/Never late. 
Account TypeCredit card Balance- Date Opened XX/XX/2020 Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
XXXX XXXX XXXX reached out to XXXX and XXXX XXXX regarding a refinance and lower IR. They paid them {$3700.00}. Five payments of {$750.00}. The military said it sounded like it was fishy and it sounds like a scam. The company does not have good reviews and others have said it was a scam. They have been working with a financial advisor through the military. They are looking further into 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 2020-11-10 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: NC

Complaint narrative:
XXXX, XXXX and TranUnion have arent complying with my dispute request. I have attached both letters Ive submitted to the three bureaus in the documents section below.

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 2020-11-10 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: NC

Complaint narrative:
XXXX, Equifax and XXXX have arent complying with my dispute request. I have attached both letters Ive submitted to the three bureaus in the documents section below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: BANK OF THE WEST
State: TX

Complaint narrative:
Bank of the West is reporting an account to my 3 credit bureaus that is no longer my responsibility and was given over full responsibility to my x wife per our divorce decree. I have late payment report which are detrimental to my credit rating showing I Was 30 days late ( 2 ) time ( s ). Was 60 days late ( 1 ) time ( s ). Was 90 days late ( 1 ) time ( s ). I have tried to not only inform, but get this resolved with Bank of the West via telephone and by a letter I mailed disputing and explaining the situation. They have yet to rectify their mistake. 

I have attached the Divorce Decree from XX/XX/2009, the credit card account # XXXX Bank of the West is listed on Page 3 and Number 9

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