vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
The date those purchase were made I was outside the country

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: Exeter Finance, LLC.
State: MD

Complaint narrative:
XX/XX/2019 there was an inquiry on my credit report from Exeter Financial. I had no idea where it came from. Ive sent letters to ask them to remove this. They respond saying it's accurate. I never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Attempting to access Experian account and unfreeze the credit reporting in order to open up a new line of credit Experian does NOT allow one to speak to a live operator on ANY of there numbers provided They also do NOT allow one to access their file on line There is NO WAY to contact them at all.

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 2019-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This student loan was for my daughter who requested a deferment because she graduated from college with her XXXX in XXXX  in XX/XX/XXXX. Moreover she was still in school in XX/XX/XXXX - shows 60 days late ... also XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX ... she was still in school ... In XX/XX/XXXXit shows 120 days late ... could you please correct this ... thank you in advance.

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 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The date those purchase were made I was outside the country

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 2019-08-09 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND NOW I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was charged {$69.00} XX/XX/XXXX and XX/XX/XXXX for spirit airlines for services that I did not use for that time. I did not authorize these charges and did not use this service. Bank of America failed to resolve the dispute. They claimed it was not fraud and I could dispute the charges. When I tried to call they kept transferring me to different departments and nothing is being resolved.

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 2019-08-09 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: NM

Complaint narrative:
I've been trying to buy a home through FHA. Two of the credit reporting agencies reported accurate information. The third, Experian, first was locked, I could not gain any info. Then with the help of my finance consult, on XX/XX/XXXX we finally found someone that understood our problem : My credit report contains information on someone else with the same name that is DECEASED. And two accounts specifically, XXXX/XXXX XXXX, are on my report. They are not mine, have never been in the military, and I am not DECEASED. We filed a dispute XX/XX/XXXX and about 3 weeks later, someone finally discovered the problem and DELETED the XXXX account. So I thought that would solve everything, since they had lumped XXXX and XXXX XXXX together. So when my finance person and I went back to see what Experian was reporting, in order to finalize my FHA loan, before I lose ANOTHER chance at a home, it still showed XXXX XXXX on my report, that I am DECEASED and the account has been closed since 2015. The only info I have on this account is in the report, with the number of the account as XXXX ... ... I need this off my report! Otherwise I am never going to be able to qualify for the FHA loan! It is now the second week of XX/XX/XXXX and I am getting very frustrated with the whole system. I am going to try to contact XXXX XXXX again to see if I can get anyone that can help and understands what I'm talking about. I am so upset that I might lose my chance at this house!

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 2019-08-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a size 11 XXXX XXXX shoes online on XX/XX/19 ; They arrived on XX/XX/19 the shoes were too small. I returned them on XX/XX/19. The shoes were sent back to me. I called to find out why they said because I wore the shoes. I was upset because they sent the wrong size and accused me of wearing a shoe that I could not fit. They sent a size 10 when I wear and ordered an 11. I tried to resolve it with my credit card company Banana Republic they credited my account for the charges while in dispute. They sent me a survey asking me to rate my satisfaction with my dispute. I called, to ask about the survey, and was told the decision was in my favor by the gentleman on the phone. I asked what do I do with the shoes because I can not fit them, he replied contact the store directly. On XX/XX/19 the charges were reposted to my account. I called the Banana Republic again to see what was going on. I was told they had no record of my dispute. I asked to speak to a supervisor or manager. The manager informed me there was no record of my dispute, and the charges were added back to my account because the ruling was not in my favor. I was livid. She said she would reopen the case and make a note of our conversation.

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 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one, keep updating missed payments.. thats not accurate.. Ive been making on time payments ... and its continue to hurt my credit score.. please help me.. o dont know where else to turn

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Online website XXXX does not provide any statements or documents. The link for statements and documents does not show any statements. I have car loan and been making payments. I want documentation via emailed, mailed/ or any service but they do not provide. I call XX/XX/XXXX and XX/XX/XXXX and recently called XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. The phone provided is just a robot touch by number service. I tried clicking on the link on their website for customer service and redirects me every time to log in. I have login and tried still does not work. I have not received any documentation since purchasing XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Superior Adjustment, Inc.
State: MI

Complaint narrative:
I have made payments, yet you report that I am " past due, '' you report " terms, '' when no terms were set, you decrease, then increase, the amount reported to the credit bureaus. You have even gone so far as to place paid in full accounts back on my credit report. I'm XXXX XXXX. Is this how you get your kicks? I honestly do not understand how you're permitted to report anything. 
Your actions have cost you as of late. I don't feel sorry for you. Report accurate info. It can't take any more effort than you are already expending when you report false info. 
Btw, I have zero debt with you. You are merely agents for the companies that I owe. I don't pay you anything. I pay them. They do not consider me late and certainly can do math to determine what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
PayPal holding my money for 180 days the amount is {$990.00} I reached out numerous of times they keep giving me the run around they I said I owed them {$100.00} I paid it I give them all information they needed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: Home Point Financial Corporation
State: CA

Complaint narrative:
I am a veteran and currently have a VA loan with Homepoint Financial. On or about XX/XX/2019, I attempted to make a mortgage payment in the amount of {$2600.00}, using their website. My payment came back as returned. I was immediately notified on XX/XX/2019. 
As a result, I made another payment in the same amount on XX/XX/2019, in efforts to avoid any " 30 Day '' lates on my credit report. My payment was successful and posted on XX/XX/2019. 
I sent several emails to Homepoint Financial explaining the problem but they have ignored me thus far. Additionally, all three credit reporting agencies are now reporting that I was " 30 Days '' late for the month of XX/XX/2019, when my payment for XX/XX/XXXX has a 14 day grace period ( it has only been 9 days ), before considered two weeks  late. 

I have called several times and spoke to atleast two reps asking them to remove the negative remarks from my credit report. Thus far they have ignored my request. 

Notice from all of my attachments I made my mortgage payment on XX/XX/2019. Also look at page 3 of 4 POPA Bank statement in the amount of {$2600.00}, my payment cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND NOW I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-08-09 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND NOW I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Inquiry was placed on my XXXX Report by American Express on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove. 

Inquiry was placed on my XXXX Report by XXXX XXXX of Delaware on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Inquiry was placed on my XXXX Report by XXXX XXXX on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove. 

Inquiry was placed on my XXXX Report by Barclay Bank of Delaware on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove.

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 2019-08-09 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: CA

Complaint narrative:
I am a veteran and currently have a VA loan with XXXX XXXX. On or about XX/XX/2019, I attempted to make a mortgage payment in the amount of {$2600.00}, using their website. My payment came back as returned. I was immediately notified on XX/XX/2019. 
As a result, I made another payment in the same amount on XX/XX/2019, in efforts to avoid any " 30 Day '' lates on my credit report. My payment was successful and posted on XX/XX/2019. 
I sent several emails to XXXX XXXX explaining the problem but they have ignored me thus far. Additionally, all three credit reporting agencies are now reporting that I was " 30 Days '' late for the month of XX/XX/2019, when my payment for XXXX has a 14 day grace period ( it has only been 9 days ), before considered two weeks late. 

I have called several times and spoke to atleast two reps asking them to remove the negative remarks from my credit report. Thus far they have ignored my request. 

Notice from all of my attachments I made my mortgage payment on XX/XX/2019. Also look at page 3 of 4 XXXX XXXX   statement in the amount of {$2600.00}, my payment cleared.

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 2019-08-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had four car dealers run my credit and now I've 39 hard inquiry on my report, some dealerships ran my credit 2 and 3 times which makes up a total of 39, this is pure nonsense that all of those car dealerships ran my credit like that, furthermore it has lowered my FICO score and it just is unbelievable at this point!!!!

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 2019-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had four car dealers run my credit and now I've 39 hard inquiry on my report, some dealerships ran my credit 2 and 3 times which makes up a total of 39, this is pure nonsense that all of those car dealerships ran my credit like that, furthermore it has lowered my FICO score and it just is unbelievable at this point!!!!

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 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NV

Complaint narrative:
They called me for a year straight last call was XX/XX/19 rep told me they werent gon na leave me alone because its attached to my name and they have a right to Harass me. I told them that account is not mine but theyre trying to force me to make a settlement for something thats not mine. This was removed from my credit report and a year later they put it back. I told them over and over this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
my housing application was rejected based on derogatory notes on my credit report. On XX/XX/19 I Called Equifax to get a copy of my credit report. Their rep gave me a run around and after 30 min. when I asked to talk to a manager he put me on 10+minutes of hold and never returned. I needed copy of report because I was denied housing and needed the issue to be resolved quickly. So, next I went on Equifax website to " request free copy of your Equifax credit report : Online at Equifax.com/FCRA '' ( https : //aa.econsumer.equifax.com/aad/landing.ehtml ) I submitted my info, but at the end, instead of the report I got a message " we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX '' ( see attached ) I called the # but there was no one to talk to and that wasted another 15 minutes of my time. 
I called Equifax # again : XXXX, asked to talk to a manager. A supervisor came online and after getting all my private info told me I had to send more info by mail. I told him I had already applied online and I should be able to access the same info Equifax provided to 3rd party  about me, and I didn't have the luxury of another month or two to wait for the back and forth. Instead of providing the info they provided to 3rd parties about me so that I can contest it, the supervisor hung up on me! 

I am lodging this complaint against Equifax for 1-wasting more than an hour of my time on the phone and acting rudely by hanging up, 2-for deceiving me and others to input private info into website but once they got all that private info, refusing to release the credit report, 3- dragging the matter with no intention to resolve it, while they provided derogatory remarks about me to the landlord, as a result of which I was denied housing. 
Finally, since I already filled out their online application and did call XXXX but no one was available, and since I need this info soon to do damage control, I want Equifax to send me the credit report immediately, by email to ( XXXX )

Company response to consumer: Closed with non-monetary relief