vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I was treated with respected and professionalism, until I uploaded a copy of my ID. The sales rep and manager both grossly discriminated against me for being XXXX. I was told my ID and paystubs were fraudulent so my loan was declined. XXXX informed me that he and XXXX both saw red flags after receiving my ID. They both questioned the amount of income I made. XXXX requested that I prove my income by sending over my year end paystub. XXXX said, MainOne Financial fraud department reviewed the file, pulled a SSN background report, among other reports and based on what returned they informed XXXX to decline my loan. I was never asked to bring in a copy of my ID. Once I discovered my loan was declined and the reason why, I insisted that I stop by and bring in a copy. I met face to face, with XXXX the manager, who said my ID was still fraudulent. I have a previous loan with OneMain that Im currently paying on. Ive been paying on this loan for 2-3 years. My payments are on time and deducted by ACH from my personal checking account. They have a previous ID on file and they have my previous paystubs from the same employer. Ive been with the same employer ( XXXX XXXX ) for 10 years. The only red flag was my XXXX XXXX, they saw on my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX of 2019 I went to have my braces removed because I could no longer afford to have them. I was made to sign a document stating that I was going to have them removed for that reason. Services were not provided until payment was made on that same day. After a brief review of my credit report, I discovered that XXXX XXXX XXXX XXXX placed my account with Receivable Recovery. Receivable Recovery has never called me, has never sent me validation of this debt, and has made derogatory marks to my credit without my knowledge. Under the FCRA, it is illegal to report a debt without first providing notice of your intention to do so. This information will be disputed as well through XXXX, which will be inclusive of proof of payment. Proof of payment will be provided to the CFPB as well. The agency has 15 days to correct their records before I consider legal action against blatant FDCPA and FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid a debt to IQ Data that I owed. But while talking to the representitive, I was told that they had another open account for a debt from an apartment complex in XXXX. Except for 4 years living in XXXX  and XXXX, I have lived in XXXX. When they researched it on there end, I was told that it was a mistake because I share the same last four of my social, and that it will be fixed. Today, I have recieved a call from IQ Data for the same debt that was wrongly placed in my name. When trying to explain the issue, I was notifed my name is on it, so it should be mine. Then when asked to talk to a supervisor, I was placed on hold for a couple seconds, then told they were not there. I called back, and got the same response, and was told only they would not contact me anymore. But said to call to see if I fixed this debt. I have not gotten any proof of this debt in the mail, or had any idea about this debt until XXXX of XXXX XXXX. Yet there website has said it's been in collections since XXXX. If it was mine it would have been on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
During the height of the COVID pandemic my auto lease with Ally financial was extended on what was supposed to be a lease extension through the COVID crisis. When I spoke with the company they had indicated that nothing was needed on my end to extend the lease. The company had been taking my payments out of our account automatically, but because of the extension during COVID they had terminated this automatic payment deduction without informing us. I had called the company several times after I found that they had reported my lease payments as being late. Due to the fact that we were in the process of buying and selling a home, after repeated lengthy calls with Ally were led to believe that paying the account in full would resolve the negative report against our credit. Even though the account was paid in full, even paying an amount I did not feel was due, the Serious Delinquency against my credit was not removed and it is causing us financial strain and limiting our ability to obtain an affordable mortgage. 

We had been leasing through Ally for 6+ years and never once had a late payment until this confusion and miscommunication they caused during the height of this pandemic.

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 2021-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am trying to fix and raise my credit score to get a better interest rate for a home mortgage loan. I got a secured credit card from Bank of America a year ago with a {$1000.00} limit. I was getting a high balance reporting to the credit bureaus, so I raised it to {$5000.00} two months ago in may. The credit bureaus indicated with a higher credit limit better chance to get a higher score on my reporting, along with paying down any balance on XXXX before the billing statement that is generated on the XXXX of each month this would reduce the high balance. I then raised it again to XXXX the max it would allow me. I found out Bank of America was not reporting on the XXXX of each month on time as they indicated. I get weekly statements from XXXX and called in to see what is happening? They stated bank of America has not being reporting on time for the last two months? to get me my current score with the additional increase of {$10000.00} limit? I called in to complain two months ago about there reporting and again on 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 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express is refusing to provide the arbitration fees regarding the terms and conditions under the FAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: GA

Complaint narrative:
Ive been a victim of identity theft.. Ive sent in numerous FTC reports and 605b to XXXX Transunion & XXXX XXXX XXXX has blocked/deleted all fraudulent information from my account. For some reason XXXX and Transunion says its been verified. Per fcra only true and accurate information should be reporting to my account. Per fcra 605b information should be blocked from my report with 4 days. But Transunion and XXXX  are ignoring the rules/ laws of fcra. It seems as if I will have to consult legal counsel.

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 2021-05-28 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: NC

Complaint narrative:
XX/XX/21 I was notified my oldest secured card was closed by me which I did not do and I called my bank at XXXX XX/XX/21 when I saw what happened and let them know it wasnt me and he said theres nothing that can be done so I asked to make an appeal to have my account reopened and he said that he put it through and it would take 7 to 10 days but Im not sure he actually did it bc Ive received no updates as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
INFORMATIVE Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-28 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: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Called Quicken Loans in XX/XX/XXXX to ask what I needed to do or send them to get them to fix the problem of wrong info reported to the credit company 's. Info that they reported my mortgage as being closed and discharged as part of the bankruptcy. It was not discharged, it was showed as an asset. So Quicken should instead report it as being open and in good standing. Was transferred to different department and they told me their was nothing I could do because it was company policy to report it that way. 
I contacted the credit agency 's and sent them copy 's of the bankruptcy, bank statements, and tax statements from Quicken Loans and more, but the company continued to say the mortgage had been discharged. The company sent all the proof to Quickens, but Quicken still refused to change what they reported. I'm a XXXX senior citizen. Quicken Loans has damaged my credit and caused an almost {$7000.00} financial burden on me and now I'm unable to get a refi loan to finish my kitchen. The stress I have been under from this has caused my Dr to put me on more medication. I have had a mortgage with Quicken since XX/XX/2013and always paid no time. Quicken Loans has cause me major stress and damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: GA

Complaint narrative:
Ive been a victim of identity theft.. Ive sent in numerous FTC reports and 605b to Equifax XXXX  & XXXX  XXXX XXXX has blocked/deleted all fraudulent information from my account. For some reason Equifax and XXXX  says its been verified. Per fcra only true and accurate information should be reporting to my account. Per fcra 605b information should be blocked from my report with 4 days. But XXXX  and Equifax are ignoring the rules/ laws of fcra. It seems as if I will have to consult legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX  Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-28 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: GA

Complaint narrative:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.

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 2021-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
I received a bill in my minor childs name that was placed into collections with PLUSFOUR INC. when I inquired about why I received a bill in my minors name and the fact that I dispute this since all co-pays were either paid or taken care of by free visits with my insurance and that Ive never received a previous bill I should not be in collections. The woman helping me advised that she would not send the notes that Im also disputing this only send back that it was billed in a minors name. I advised again that this is unacceptable and I also want it disputed as theres no reason for it to go back just to come back to them and then be disputed again and she still refused to add the notes that I was disputing it. 

I also advised her it is illegal to send a collections note to a minor and that if she did not send my notes that Im also disputing this that I would be filing this complaint. If they are true collectors it is their responsibility to ensure that they are not collecting on a minor or the wrong person. They did not practice due diligence and Sent a collections notice in a minors name, and Me as her parent requested that they also dispute it she continued to refuse until I became frustrated and she decided to hang up on me for using the word XXXX and raising my voice. This is unacceptable and this business needs to be looked into as I dont believe they are following laws. 

I have attached a copy of the collection notice in my XXXX-year-old daughters name she is clearly a minor shes not even close to being XXXX years old where this could be a small mistake shes XXXX  years away from being XXXX years old.

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 2021-05-28 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:
The account is with XXXX XXXX XXXX on my Experian credit report. I have filed numerous disputes and the only thing the company changes it the CO date which is completely wrong. It originally showed that the card was charged off back in XXXX XXXX XXXX now all that is shown on there is ND and each month the CO keeps moving. Last month is was on XXXX this month it's on XXXX. This is not right you can't keep charging off an account each and every month. This is an old account that shouldn't be on my credit to begin with or should be dropping off this XXXX but with them continually moving dates I don't think it'll ever drop Something needs to be done with companies like this that constantly try to fraudulently keep things like this on peoples credit reports. I am trying to better myself and they are trying to keep me down. If you look you'll see I have tried to fix my credit and they are continually changing dates. Please let me know if something can be done about this. As I said before I keep disputing but all they are doing is changing the charge off date. Surely that cant be legal. 

Thank you for your time.

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 2021-05-28 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: GA

Complaint narrative:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, EQUIFAX, and XXXX  credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXL 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I tried to cash a US Government Army retirement check and was denied cashing the check even though I had 12-13 times the amount of the check in my account blaming it on COVID even though the mask mandate was lifted. As a XXXX XXXX I don't see what COVID has to do with cashing a check. At that point I asked to closed both my checking and savings accounts, I withdrew all of my money and went to another bank opened 2 accounts the same day and they cashed my check with no questions. Then a few days later the branch manager called me and asked if I wanted to keep the account open until transactions cleared, I said fine, I did not authorize any further payments on anything. However, the payments continued. Now I have a slew of overdraft fees. Because I made a transfer to pay the overdraft fees and even the payments that I did not authorize, including the the latest overdraft bill, the bank refuses to close the accounts. I attempted calling the branch as well as their main customer service number and all refused to close the accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
Dear Sir or Madam : I am writing on behalf of XXXX XXXX XXXX in regards to the four ( 4 ) airfare tickets he purchased using his American Express card in XX/XX/XXXX. The airfare was to travel to XXXX, XXXX, departing the US on XX/XX/XXXX. Upon purchase XXXX XXXX understood that if there were restrictions in XXXX due to COVID he would receive a full refund less cancellation fees. XXXX XXXX also understood that if flights changed significantly he would receive a full refund. 

Both events occurred. 
At the last minutes, the time of departure was changed by almost 12 hours. This created a conflict due to a previously scheduled doctors appointment. XXXX also announced a strict 14 day quarantine for any arrivals. XXXX XXXX contacted XXXX XXXX and initially had difficulty receiving the refund. He then disputed the charges with his credit card company, American Express. After trying to work with XXXX XXXX he finally received communication from them stating that he would receive a refund if they release the credit card dispute. He did so on XX/XX/XXXX yet American Express has not refunded any of the travel expenses. 
An email from XXXX on XX/XX/XXXX informing XXXX XXXX that they can not process the refund until he provides confirmation from the credit card company that he has withdrawn the disputed charges. It specifically says Once we receive the withdrawal letter is when we can take further action to process the refund. XXXX XXXX removed the dispute, but for almost 2 months XXXX XXXX refused to issue said refunds and also sent the charge back to American Express to be billed. At this point, American Express refused to help any further, even though we told them that XXXX XXXX refused to help us. We think it is unethical of American Express to provide us no protection at all in the time of COVID, and we solemnly request a full refund of {$3300.00} from AMEX back to XXXX XXXX instead of sheltering the unethical company XXXX. Please help us to recover our funds from AMEX. Thank you.

Company response to consumer: Closed with monetary relief