vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 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: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate accounts on my credit report after I properly disputed the accounts. 

XXXX  said the sole the issue, but didnt say how or provide me with no proof and that illegal. So the company is illegal reporting accounts on my credit. 

XXXX  never even notified me of the status of my disputes, which is also illegal. 

Im attaching the letters I sent to them containing the inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate accounts on my credit report after I properly disputed the accounts. 

XXXX  said the sole the issue, but didnt say how or provide me with no proof and that illegal. So the company is illegal reporting accounts on my credit. 

Experian never even notified me of the status of my disputes, which is also illegal. 

Im attaching the letters I sent to them containing the inaccurate accounts.

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 2020-10-15 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: AZ

Complaint narrative:
I have been a victim of identity theft. I have reviewed my credit report and there are fraudulent accounts on my report.

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 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, My two credit card accounts with CapitalOne were closed I have been with CapitalOne since 2017. I am always a loyal Customer and pay my monthly bill on time. I have never been late with my payment. 

However, my two account were closed. I contacted them, customers service at CapitalOne say account were closed because there were fraudulent activities a year ago. 

They closed my another credit card account too, the reason being the card was linked to my name. so they closed that credit card as well I am upset because I am not at fault with this account closure. However, they do not want to solve my issue. I feel they wanted to take my cash back on my credit card that I have on there. 

I have attached image regarding my accounts that are closed by Capitalone all the sudden. I wasn't informed and the account was closed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi offered transferring cashback into thankyou points to shop at XXXX. I transfer XXXX XXXX into XXXX thank you points. I log into XXXX and I find that my XXXX points are now worth XXXX to purchase. The fact that Citi is advertising that I can use citi points at XXXX without disclosing that i'd lose 20 % of the value is theft. If they stand by their offer as being fair, they should also allow for reversal of my thank you points into cash rewards, which they do not allow and declined when i called to ask for this.

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 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: VA

Complaint narrative:
On XX/XX/2020, i submitted a dispute to equifax in regards to inaccurated bankrupcty being reported on my credit file by equifax. I submitted evidence to equifax showing that the address and the name of the person in the bankruptcy case they say belongs to me did not match my name or my address and for those reasons the information should be deleted from my credit profile. However on XX/XX/XXXX they replied stating that they verified the information and it was reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I think they unfairly trap me into a high interest rate on a loan that the charge over 80 % of my payments go to interest ... Ive ask fir lower interest rate but denied .... Im never going to pay off this {$33.00} k loan I been paying {$500.00} a month for over 10 years and its still over the $ XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: AK

Complaint narrative:
I went to a website about loans and somehow it was directed to this one, a couple months later {$1200.00} was in my bank account from them. I thought ok Ill pay it back easily. Now they want 18 payments of {$270.00} a month with an interest rate of 542.96 %. How can this be legal. I called them, they were No help on the phone and every day they are charging me {$20.00}

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 2020-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity bank wayfair date opened XXXX XXXX amount is XXXX but its closed and negative on my account, again I have tried to contact them to tell them I did not open this account and I am not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020, I submitted a dispute to Trans Union in regards to a bankruptcy being inaccurately reported on my credit file by Trans Union. On XX/XX/2020, Transunion replied stating they verified the information as accurate even though i showed evidence that the information was inaccurate. According to section 609 in the FCRA, all information in a credit report must be completely accurate or it 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 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo bank date opened XXXX XXXX amount {$210.00} this account is not mine I am not responsible for this debt. I have called emailed and faxed my driving license social security card to credit bureaus and Wells Fargo they said they will delete it and it still has not been 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 2020-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Mortgage banker has completely blown off contacting or dealing with my loan after failing to give correct information and details about approval, loan, appraisal. Was quick to get the loan approved and take my payment and there after said a third party needs to review now due to him overlooking converting to another FHA loan. Said no one has been assigned and could not give a date on when I'd be contacted. The day I applied for loan it was call after call after call to get documents and money available to close and paid for the appraiser and now nothing. After I said I'd like to cancel the application seeing he could not give me any info and he told me the appraisal wasn't scheduled until XX/XX/2020 he said someone will contact me and nothing else can be done. Not more than two hours later an appraisal quote comes back so the money can not he refunded. How does this make sense. Still have no idea and no contact of what's being done with the loan. Already took a credit hit and signed purchase agreement on a loan I was told " you have to trust me. I do this all the time and there's no reason this loan is not going through ''. Contact quicken loans customer support to speak about the loan further and no one is willing to pass my case along. This is a scam and this point and all they look to do is take your money and blow you off. How do you approve someone in minutes. Run credit. Review credit. Charge me hundreds of dollars go MIA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I opened a title loan with Title Max prior to the Pandemic around XX/XX/XXXX and have asked for assistance now and around XX/XX/XXXX. I was recently divorced and when the pandemic hit my ex-husband lost his income and then his job and now has been forced to file bankruptcy. This has affected my income as I am a co-signor to the mortgage, and other significant bills. Now this burden is on me. I explained this to the company today. Also, when the pandemic hit my company cancelled bonuses which I would have used to pay this loan off. This company will not offer any assistance although their President sent out an email and their website advertises assistance for COVID 19 relief. I sent an email to XXXX XXXX, President of the company and to their customer service and I have heard nothing. I called customer service and they told me to call the store, the store is not willing to do anything but offer me a few days to make the payment. I pay XXXX XXXX monthly. I have paid over {$10000.00} in interest alone while suffering the impact of financial loss. I do understand this is a loan that is intended for short term use, but, no one expected the pandemic to hit. This company is false advertising assistance that can truly help customers and this is appalling as other loan companies are truly helping. Definitely a loan shark company that doesn't care about customers. I want them to remove the Covid-19 relief from their website and to reduce my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: GreenSky, LLC
State: TX

Complaint narrative:
This loan was paid in full. It was never sent or sold to a collection agency. They have refused to provide the correct information and now it is showing as a charge off when it wasnt. XXXX was provided with a letter I received from Greensky stating the loan was paid. I also have proof showing Greensky was who deducted the FULL payment from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020, I submitted a dispute to experian in regards to a bankruptcy being inaccurately reported on my credit profile by experian. In their response they stated they verified the information to be accurated even after i submitted documentation that the name and address was different from mine. According to section 609 in the FCRA, all information in a credit file must be reported accurately, however experian has failed to do so and refuses to correct this issue.

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 2020-10-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This loan was paid in full. It was never sent or sold to a collection agency. They have refused to provide the correct information and now it is showing as a charge off when it wasnt. Experian was provided with a letter I received from XXXX stating the loan was paid. I also have proof showing XXXX was who deducted the FULL payment from my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen Loan SVC status is incorrect on my credit report. I was notified that I was approved for a Deed in Lieu of foreclose which I had applied for. Should reflect that on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
On XX/XX/XXXX I financed a vehicle with XXXX XXXX 's with Auto Now being the lender. My down payment was paid via debit card and the money was debited from my bank account immediately. 

A few days later my card issuer, XXXX XXXX, contacted me in regards a to a suspicious transaction due to it being larger than most of my purchases. from a company under a different name than XXXX XXXX 's or Auto Now. Due to the company not being under the name I've heard of I stated that the charge was unauthorized. 

On XX/XX/XXXX I was contacted by XXXX from XXXX XXXX 's in regards to a chargeback that AutoNow received on my down payment due to the dispute XXXX XXXX opened for the charge. It was then made clear to me that the disputed charge was valid. 

After that point, I contacted my XXXX XXXX to let them I was withdrawing my claim and the charge was valid and the claim should be closed in favor of the merchant, which XXXX XXXX received and acknowledged. 

Everyday since XX/XX/XXXX XXXX from XXXX XXXX 's has called me for an update on what XXXX XXXX said and I have kept him up to date with every email. XXXX XXXX has stated that the claim is still being reviewed and will will be closed by XX/XX/XXXX. 

Due to my loan being with Auto Now I decided to give them a call on XX/XX/XXXX to discuss the matter. When mentioned the situation to the representative at Auto Now they stated there is no problem with my account and all payments are in good standing. Following this conversation I payed Auto Now a total of {$590.00} for the monthly car note, license plates, registration, and collateral insurance. 



Today XX/XX/XXXX I received a call from XXXX XXXX 's stating Auto Now would be repossessing my vehicle if I did not bring them {$2000.00} in cash by XXXX today. 

I have made all of my payments on time and they have taken my money with no problem. Now they're threatening to repossess my vehicle regardless of XXXX XXXX holding the funds and regardless of me making my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I asked each credit reporting bureau Experian, XXXX  and XXXX  to please remove address XXXX XXXX XXXX XXXX XXXX XXXX from my credit file because I am a victim of XXXX   XXXX and I am currently at risk of being targeted again because of addresses being reported without my consent. I did not authorize any company to report any physical addresses to my credit report because I am in definite fear for my life and my family.

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 2020-10-15 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: TX

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below isn't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   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 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am a federally protected consumer and Navy Federal Credit Union has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TN

Complaint narrative:
I have a fraud alert on my credit file with my phone and someone used my information to apply for credit and no one contacted me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TX

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below isn't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 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 2020-10-15 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below isn't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 XXXX XXXX XXXX TX 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  XXXX XXXX

Company response to consumer: Closed with explanation