vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been fighting for 6 months to get this fraud account from XXXX XXXX ( XXXX XXXX XXXX  ) off my report with transunion and XXXX. I do not understand what the issues is that they wont remove it? I have sent them proof of the police report number too. I want this remove from my reports

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter on XX/XX/2021 to Equifax regarding inaccuracies on my credit report. I received no results of investigation so I sent another letter XX/XX/2021 regarding the inaccuracies and it taking over 30days. I filed a complaint and received a notice saying they dont recognize my name. I called the company and was given a hard time and also was told they dont know as of now if they received any letters. I have proof of the letters I sent and proof that my letter did indeed arrive at their location.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: MO

Complaint narrative:
On XX/XX/2021, I wrote a letter to Transunion, XXXX XXXX XXXX  about a Major Issue on my credit report about a Bankruptcy. The account has incorrect, inaccurate, and inconsistent information reporting on all 3 bureaus. Which represents 4 major violations on my credit report with this account. 

I am having a problem with Transunion, XXXX XXXX XXXX I filed a dispute and Their investigation has taken more than 30 Days and I have yet to receive a response from them.

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 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Hello, i been having problems with PayPal,, this company ever since i opened it. I feel like i have been racially profiled.I had my goverment money coming into their account and they always freeze and i was assured the first time that it will never happen again. They are holding my stimulus package check in their account and everytime i get money from the goverment i have to verify myself. i need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm running into issues that appear to be blatant credit discrimination. I am a XXXX  with several student loans open, however at this time none of them are in default and have not been in years. I owe around {$2500.00} max in personal debt and medical bills. And the credit bereaus have my credit aged at being a little over a year old, however have debts piling against me for years that extend way beyond that. And they don't mind pending that debt against me, but won't factor the debt into my credit age. XXXX?? And I was on track and doing well prior to COVID when I was furloughed from my job and missed a few payments as a result. Well my credit score has dropped approximately 30 points in the last year as a result of the pandemic. And the only explanation I keep receiving is my loans which were in default a few years ago, that I have paid my dues on through going through administrative wage garnishment and counseling is still tanking your score. Not to mention, that I've worked hard sending in extra payments to my auto financing company to try to stay ahead and to no avail they keep reporting me as being behind which dropped my score another 19 points. Needless to say I inquired about buying a house and all of a sudden everything that is missed even if it's only been a few days drastically drops my credit score, however when I make other payments on time it doesn't bring my score up any maybe by 3 points. If missing payments drops my score by 19 points, how come when I pay on time there's little change to increase my score??

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 2021-02-12 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: C/C Financial
State: NY

Complaint narrative:
XXXX/Preferred Lease has reported my account as delinquent for 90 days with a balance of XXXX . However, I have made no late payments and was offered a furlough payment in XX/XX/XXXX. I paid off my balance in full in XXXX and the company reported my account as settled and delinquent. This information is not correct, I did not settle, I paid the full balance in full on XX/XX/XXXX, earlier than my leasing end date. They immediately made a report to the credit bureaus only 6 days later that this account is settled and delinquent. I have been in touch with the company and they stated that they would " look into this '' and I should hear something within 30-60 days. This has hindered me from closing on my house. If they were so quick to report inaccurate information, then I believe that they can quickly fix this error. This is a criminal act of inaccurately reporting my credit, hindering me from obtaining any future credit or closing on the 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 explanation
Consumer complaint received 2021-02-12 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:
Request to remove inaccurate/unrecognized collections accounts : XXXX XXXX XXXX ... XXXX {$1500.00} XXXX  XXXX XXXX  ... ... {$240.00} XXXX XXXX XXXX .... {$2700.00} I have disputed these invalid accounts but they have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraud on my checking account. Aware of this at XXXX XXXX today, suspicious check clearing my account. Called the 1-800 # and they moved to close my account but actually changed the account number. The agent scheduled an in-branch appointment for me for the next Business Day which is 4 days out ( holiday ). 

No reference number was given for my fraudulent inquiry. Now as I follow up with my account I do not have access to my fraud account information. I have no idea if there's a filed complaint or fraud complaint for my funds of {$2400.00} leaving my account. 

I went into the branch for in-person help. No luck, all they can do is to call the same number that I called. No additional assistance at all. Waste of time. 

Phoned the 1-800 # again asking for assistance to make sure that a fraud case or file has been opened. Without a reference number I can not get any information, ZERO! This is my account, my funds going missing. 

Wells Fargo failed to provide me with a fraud case or reference number. They have blocked me out of my account information regarding the fraudulent check clearing my account for {$2400.00}. I want action on this immediately. 

Thank you. 
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 2021-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
Pulled my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to CHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I been trying to get a foreberance on my mortgage payments since XXXX the soonest I lost my job due to Covid 19. I called several times, I emailed several times and always received a reply to just wait or fill form again. I am on bankrupcy chapter XXXX, still making payments to trustee. Once I lost my job in XXXX I couldnt send any more mortgage payments. I did continue to pay the XXXX monthly to the trustee. I been struggling to make ends meet the best I can. I like to keep my home, I just need help to resume my mortgage payments and to put what I owe at the end of my loan if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
OnXX/XX/2021I was notified by PayPal that they we no longer offering services to me as I had violated one of their regulations. I had no idea I was in any violation, they accepted payments for goods I sold, made me ship and wait on confirmation of delivery, wait an additional 24 hours, then found another excuse to hold my funds. They have permanently suspended my account. There is over {$640.00} in the account that they are not releasing. Their exact words were to do what I have to do to collect my funds. I have no access to the funds, the product has all been shipped out and received and now I have no funds for the product. I am reaching out to you guys to aid in coming to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
After being late on a minimum payment, my interest rate was increased from 15.99 % to 29.4 %. During this pandemic, how can a large business like Capital One be charging a struggling small business 30 % interest. Especially while interest rates are at an all time low. The spread they are charging must be usury. Even worse, I have to make 12 consecutive on time payments before the rate can be adjusted. So I have to pay almost 30 % for year! When I called they said it was part of my terms of service agreement. My comment was that was signed when a pandemic wasn't going on. They would do nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: MO

Complaint narrative:
On XX/XX/2021, I wrote a letter to XXXX, Equifax, and XXXX  about a Major Issue on my credit report about a Bankruptcy. The account has incorrect, inaccurate, and inconsistent information reporting on all 3 bureaus. Which represents 4 major violations on my credit report with this account. 

I am having a problem with XXXX, Equifax, and XXXX. I filed a dispute and Their investigation has taken more than 30 Days and I have yet to receive a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: RI

Complaint narrative:
I have had multiple car loans/Leases with American Honda Finance. I now have have 3 unpaid charge offs on my credit report from 3 different cars purchased new from XXXX XXXX in XXXX Rhode Island. The unpaid charge-offs are for {$850.00}, {$540.00} and for {$270.00}. The dealership told us these outstanding balances should have been taken care of and closed out at the time of trading the 3 different vehicles in to purchase a new vehicle. The 3 amounts listed above have been reported inaccurately and the trade-ins were not handled accurately by Honda Finance. I have an excellent payment history with American Honda Finance. I want these charge-offs removed from my credit report. I have already submitted disputes with experian to have these removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: MO

Complaint narrative:
I sent Flagship Credit Acceptance a letter wishing to cancel the transaction because Pursuant to 1635 you never included my right to rescission nor did you provide me with the material of disclosure upon my request with the fact that I have the right to rescission. So I hereby exercise my right to rescind the agreement under the provisions of the Truth of Lending Law and 15 U.S. Code 1635 Right to Recission and I ask you to return my deposit/down-payment of {$1500.00} within the 3 years right to rescission as required by law. They have not responded in the 20 Day time from that they have by federal to respond.

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 2021-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: NC

Complaint narrative:
I Contacted XXXX XXXX XXXX XXXX and they are saying that my credit reporting is accurate and want fix the error that i am complaining about.they are reporting a paid charge off account as paid in full charge off along with payment history of a charge off in 2020 which shows up as a recent missed payment. 

i was convinced to pay the charge off in full in exchange for a pay for deletion and to be removed from XXXX. i was removed from XXXX  but the updates on my credit reports are inaccurate across all 3 reporting agencies.everytime i address this issues with XXXX XXXX there response is to prove the account is mine which is the wrong reason i'm disputing this account.i am disputing the payment history that is being reported as a missed payment in different forms with the 3 credit reporting agencies. 

I will attach the 3 credit reports and show the inaccuracies clearly, i do not know what else to do as far as showing the inaccurate reporting that is being reported as accurate. it has been almost 2 years of the same thing from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX can clearly see the error but refuse to fix by replying with account verification documents, which clearly is not being disputed. i am disputing payment history reporting errors which should say settled or no data because the only comment should say paid charge off as agreed or Settled if that cant be reported across all 3 reporting agencies. 

attached are Equifax and XXXX  reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NJ

Complaint narrative:
Not sure if this is legit but it seemed very strange and needed to report it just in case.On XX/XX/XXXX, I had received a phone call from XXXX XXXX (? ) from a " Credit Management LP '' company out of Texas # XXXX They requested that I verify who I was before stating the nature of the phone call. They had asked me to Verify my address, it was an address from a different state with the incorrect spelling of my name.They stated I owed {$250.00} for XXXX XXXX in Georgia. Not sure if they were legit or not, but did verity information. They did have the last 4 digits of my Social Security, but did not give them anything else. I never had an account with XXXX XXXX. They then transferred me to XXXX and spoke with XXXX, XXXX. Went through the account with me when it was opened and closed. The account opened XX/XX/XXXX until XX/XX/XXXX. Again I never lived in the state the account was held in. He sent me a fraud form to fill out but it required a copy of my license. I will not give that out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: ME

Complaint narrative:
On or around XX/XX/2021, I opened an account with KeyBank and placed a {$10.00} deposit via another debit card. On XX/XX/2021, I arrived to the branch and deposited {$160.00} in cash. However, the transaction took an unusual amount of time but the branch staff member at XXXX XXXX XXXX, XXXX, ME XXXX ( phone number XXXX ) informed me that I simply needed to furnish my " car insurance '' information, which I did immediately. She informed me that my account would be unlocked shortly after. 

However, via email I was informed that I would need to provide some forms of documentation, including a lease agreement ( it is a month to month via verbal contract so no lease ), and renters/homeowners insurance. I provided my renters insurance policy in full on XX/XX/2021, which shows my entire address. The entire statement via email was the following : " XXXX can also accept a signed lease, a land-based utility bill showing a service address, mortgage statement, or homeowner/rental insurance declaration page. '' This was sent at XXXX XXXX on XX/XX/2021 from XXXX. 

However, upon sending the rental insurance declaration page, I was advised " You would need to supply a document that shows the address you provided when you opened the account. Possibly have your state ID/Drivers license updated with your current address. Another option - can you get a full/current utility bill and a signed note stating you are living at that address from the person you are renting from? '' aka they aren't accepting the renters insurance policy. 

I believe that I am a victim of a scam to the tune of {$160.00} and they are finding reasons to not reopen my account at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CL Holdings LLC
State: MD

Complaint narrative:
On XX/XX/2020 an account with Jefferson Capital System was opened fraudulently with a balance of {$810.00}. I did not open this account. The account is now in collections. I have tried to reach out to the company, as well as, the credit bureaus and have had no luck in getting this issue resolved.

Company response to consumer: Closed with explanation