vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
the car was involved in a total lost and I need that account closed down, I already contacted the company and they will close it down as soon as possible but I also need you guys to close it down since its affecting my credit there is no type of payment owned to the vehicle since it was a total lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
After learning I was a victim of identity theft I sent an FTC identity theft affidavit along with a police report and a letter stating how I was a victim of identity theft to Synchrony Bank. I also sent the same letters to the credit bureaus letting them know I was a victim of identity theft, but in the response letter Synchrony Bank sent me back they said that they will not remove this fraudulent account because they say I paid on it but I never had any knowledge about this fraudulent account until learning I was a victim of identity theft recently when I received a call from the police department.

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 2020-06-06 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: TX

Complaint narrative:
I have spoken with this company multiple times and this still has not been addressed. I received a letter from the company who placed an inquiry on my credit. They are unable to locate any information based on what I provided them. I provided them the same information they are using to report the inquiry.

With that said, I find it unlawful that a company be allowed to report on my credit when they have nothing under my name in the first place. I have attached a letter from the company to confirm the same.

I have tried to handle this with the credit bureau and the company continues to refuse the evidence as well as delete the entry. They are deliberately spewing the same rhetoric repeatedly in the hopes that I would accept that.

This is the first step towards my decision to seek legal recourse.

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am in the process of buying a home and my closing date is coming up this month. I was preapproved for a mortgage but when my broker went to pull my credit for the application Equifax was not returning a score. 

For context, I opened my first credit card in XX/XX/2019 as well as adding a car lease in XX/XX/2019. I have been able to establish my credit with XXXX and XXXX  but not Equifax. 

I have been calling Equifax and my creditors for over a month now trying to figure this out. Equifax does not have a credit profile for me and neither XXXX XXXX nor XXXX seem to know whats going on. Ive mailed them all documents, filed disputes, sat on hold for hours on a daily basis. I have been told different stories and every time I feel like I have a sense of XXXX going on a customer service rep tells me a new story as to why I dont have a credit score and whos fault it is. 

I have asked my credit card company, XXXX XXXX, and my auto lease company, XXXX, to send my information to Equifax. I requested it be expedited as my closing date is soon approaching. I fear I will lose my home because Equifax is not reporting a credit score for me. 

I can not express how much I appreciate anything you can do to help resolve the situation. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: SC

Complaint narrative:
Complaint : The Equifax Credit Bureaus have failed to verify the two accounts listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ).

Background : I filed a dispute with Equifax per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded the two accounts be Verified or Removed immediately : Account Name : XXXX  Account Number : XXXX  Reason : Unverified account Account Name : XXXX Account Number : XXXX  Reason : Unverified account Additional Facts : Certified Dispute Letter Received by Equifax : XX/XX/2020, at XXXX XXXX ( See Attachment ) Deadline to provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Equifax has failed to provide Verifiable Proof that meets the standards of FCRA, and these two accounts remain on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
hi american express charged me money i did nat owe them, on XX/XX/XXXX i paid a bill then on XX/XX/XXXX i called them to pay the full amount then after they charged me XXXX dollars after i paid the full amount after XX/XX/XXXX with no proof of that new charge it was XXXX dollars on XX/XX/XXXX bill and the rest was intrest i just paid the amount on XX/XX/XXXX because they didint want to help me and they hang up charged me with out trying to confirm the closing of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: FL

Complaint narrative:
I DO NOT UNDERSTAND?? I DID NOT REQUEST A BLOCK. I REQUESTED THE XXXX LICENSE AND WRITTEN SIGNATURE PROVIDED TO OPEN THIS ACCOUNT FROM THE CREDITOR XXXX. Equifax has been notified this is Not my account previouly NEVER FIXING PROBLEM. I Requested Written Documentaion to CONFIRM & VERIFY MY IDENINITY AUTHORIZING OPENING. See attatched XX/XX/2020 Equifax Notice CONFIRMING JUST NOW BEGINNING AN INVESTIGATION. Equifax has done this at least 3 times on the CFPB WEB previouly. see all other complaints. I DID NOT OPEN THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint # XXXX Balance on XX/XX/20 was {$3600.00} XXXX deposited 5 usps money order total {$4300.00} ( on hold ) all 5 were cashed on XX/XX/XXXX according to usps accounting Dept record ticket # XXXX but boa claimed all 4 mo returned and deducted {$48.00} plus {$3700.00} from my ck accnt XX/XX/XXXX deposited usps mo total {$63000.00} all M.O. cashed next day by boa XX/XX/XXXX {$1200.00} from White House eip into my accnt but my ck accnt sent to risk closure - {$1200.00} debit ( missing ) I was told my accnt balance {$67000.00} Everyday I called since. 

My accnt was closed on XX/XX/XXXX but no Balance returned. Mail fr boa attached

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am in the process of buying a home and my closing date is coming up this month. I was preapproved for a mortgage but when my broker went to pull my credit for the application XXXX  was not returning a score. 

For context, I opened my first credit card in XX/XX/2019 as well as adding a car lease in XX/XX/2019. I have been able to establish my credit with XXXX  and XXXX  but not XXXX. 

I have been calling XXXX  and my creditors for over a month now trying to figure this out. XXXX   does not have a credit profile for me and neither Capital One nor XXXX seem to know whats going on. Ive mailed them all documents, filed disputes, sat on hold for hours on a daily basis. I have been told different stories and every time I feel like I have a sense of XXXX going on a customer service rep tells me a new story as to why I dont have a credit score and whos fault it is. 

I have asked my credit card company, Capital One, and my auto lease company, XXXX, to send my information to XXXX. I requested it be expedited as my closing date is soon approaching. I fear I will lose my home because XXXX  is not reporting a credit score for me. 

I can not express how much I appreciate anything you can do to help resolve the situation. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Target closed my account for having two NSF payments on my account.My authorized user made these two payments from my account and said that he had sufficient funds in his account.

We are both unemployed due to COVID-19 and made the payment under the assumption that the unemployment check would be in the account on Monday but it was not there until Wednesday.

The transaction was remedied within two days and the account was paid in full.

Target closed the account after it was paid in full citing insufficient fees as the rationale behind the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: SC

Complaint narrative:
Complaint : The Equifax Credit Bureaus has failed to verify the account listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ).

Background : I filed a dispute with Equifax per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded this account be Verified or Removed immediately : Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Additional Facts : Certified Dispute Letter Received by Equifax : XX/XX/2020, at XXXX XXXX ( See Attachment ) Deadline to provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Equifax has failed to provide Verifiable Proof that meets the standards of FCRA , and this account remains on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I DO NOT UNDERSTAND?? I DID NOT REQUEST A BLOCK. I REQUESTED THE XXXX LICENSE AND WRITTEN SIGNATURE PROVIDED TO OPEN THIS ACCOUNT FROM THE CREDITOR USAA. XXXX  has been notified this is Not my account previouly NEVER FIXING PROBLEM. I Requested Written Documentaion to CONFIRM & VERIFY MY IDENINITY AUTHORIZING OPENING. See attatched XX/XX/2020 XXXX  Notice CONFIRMING JUST NOW BEGINNING AN INVESTIGATION. XXXX  has done this at least 3 times on the CFPB WEB previouly. see all other complaints. I DID NOT OPEN THIS ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
What is this complaint about? I submitted paperwork to ALL three credit Bureaus, XXXX, XXXX   and XXXX. Showing proof that my case against Mindland funding was dismissed in court in 2017. I have also showed proof of Residence and given a copy of my Texas Driver 's license. Also, The Statue of Limitation on this kind of debt in Texas is four years, which makes this debt expired.

What type of problem are you having? It's been over 60 days and it is still showing on my credit report.

What happened? I have disputed this claim 3 times with XXXX, 2 times with XXXX  and XXXX, with no resolution.

What company is this complaint about? The Company this complaint about is Mindland Funding.

Who are the people involved? The people that are involved is XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DC

Complaint narrative:
I have two loans serviced by Specialized Loan Servicing ( SLS ) after my loans were sold to this company. I have both my taxes and insurance payments in escrow with the company. 

I received notification from my insurance company indicating that my coverage lapsed for non-payment. I also received a notification the week prior from SLS indicating that an Escrow Analysis indicates a shortfall of around {$350.00} and my new payment amount to accommodate the shortfall. This is not unusual for this company. However, it is unusual for them to NOT make the payment. I only found out about this because the insurance company notified me. SLS then contacted me and said that they have learned that my property is uninsured and if they acquire insurance in will likely be more expensive. 

I contacted the insurance company directly and paid {$520.00} to immediately reinstate my insurance and they notified SLS of my coverage. SLS then contacted me and said that unless I can prove that I was covered during the lapse period I will be responsible for a {$120.00} fee. 

Their behavior is outrageous and needs to be investigated.

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 2020-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received Certified Mail from Synchrony Bank, on behalf of Lowe 's,  saying I had a past due balance of $ XXXX on a Lowe 's Credit Card account that I never opened. Rather than calling the number on the document that was sent to me in the mail, I called the customer service number on the Lowe 's HQ website, and was directed through their system to the fraud department. They claimed that an account was opened in my name in XXXX, and that they closed it while on the phone with me once it was reported as fraudulent. They were not able to provide me a Confirmation Number, but said that I should receive a letter in the mail confirming the above on the next 7-10 days. They said the account will be reported as fraudulent and will thus be deleted from my credit history, but to the best of my knowledge, that action has not yet been completed.

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed a recent new CHASE Total Checking and Credit cards  account open under my information without my consent or acknowledgment. I did not open any new account under my information. Please verify the authenticity of the account holder. Account opened under my information without my consent or acknowledgement should be void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX 60DAY LATE FOR XX/XX/2018 THIS COMPANY FAILED TO VALIDATE THE 60 DAY. THIS 60 DAY LATE IS UNVERIFABLE.

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 2020-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A.
State: TX

Complaint narrative:
I enrolled with a debt management company on XX/XX/2020 called XXXX. My payday loan.com acknowledged receipt of the ach revocation and did stop taking out payments. They have continued to harass me by email stating they do not work with any companies that help people get these loans paid. My advisor at XXXX has told me they do work with them. I received a very threatening email on XXXX20. Then today XXXX20 I received a email stating I needed to pay {$450.00}. I can not pay this. The reason I have enrolled with payday loan help. I will attach the email I was sent on 6XXXX20. This is ridiculous they send this threatening stuff to consumers. They threatened to turn me over to Contribution a service of Scan and make it where I can not write checks. I looked this up and it appears to be false propaganda.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Filed a dispute in XX/XX/2020, with Equifax asking them to delele the Bankruptcy that appears on my credit report as inaccurate. I received the results back stated that they verified the information thru XXXX, however, my XXXX credit file has a freeze on it. Under the Fair Credit Reporting Act, Under the security freeze XXXX can not release any information in my credit file without express authorization. I want this bankruptcy deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
trying to add PNC checking account number for XXXX app send/receive service. PNC is bloking the add.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed a recent new CHASE Total Checking and Credit cards account open under my information without my consent or acknowledgment. I did not open any new account under my information. Please verify the authenticity of the account holder. Account opened under my information without my consent or acknowledgement should be void.

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are accounts, addresses, names and inquiries that are not mine.

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 2020-06-07 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: TX

Complaint narrative:
I have repeatedly informed this company that XXXX is unable to find an account under my name. How is it that Experian is able to validate an account that XXXX themselves are unable to find? I have attached a letter from XXXX confirming this information. 

This is the first step in my resolve to seek litigation.

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are accounts, addresses, names and inquiries that are not mine.

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