vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  charged me for some device ( a XXXX I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, TransUnion continues rating my credit at XXXX, XXXX XXXX and XXXX XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.

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 2020-08-24 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: CA

Complaint narrative:
XXXX XXXX XXXX charged me for some device ( a medem I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, XXXX continues rating my credit at XXXX, Equifax XXXX and XXXX XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-24 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$1200.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had 2 separate charges on my credit card from XXXX for {$19.00}. I initially called XXXX to resolve this issue with them, but was told that they could not credit my card back for these erroneous charges, that I would have to dispute the charges with my bank and then they would credit back my card. I was told by XXXX that the account would be closed therefore no further charges could be made and that the account was not in my name. Additionally, they do not require a zip code, nor the CVV code to open the account. How irresponsible is that and my credit card company will not back me up on this either. Please see the attached correspondence to which I responded promptly each time I received a letter from B of A. They are telling me that I opened this account myself, which is a total fabrication. 

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 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was on E-Bill with XXXX. I had a very high amount at end to pay. I been making payments during covid to pay off the balance. I have not had service since XXXX and been making payments to pay off the bill. 

I was never made aware that a collection was going to be put on this account since I was making payments with the company. The rep that spoke with me was XXXX # XXXX. She advised she was XXXX   XXXXXXXX XXXX XXXX. I work for XXXX XXXX XXXX XXXX and the employee id 's are XXXX digits. She was not in fact XXXX, and advised there was nobody above her I can speak with. She was very rude and unprofessional I informed her I was making payments to pay this balance off. She also kept saying they sent notice to collection but said I didn't give correct address. She couldn't give me any details to what address she is showing. The letter to this collection is the correct address I am living at. If they sent me this letter ; they must know the address. She was rude and would not provide any of these details.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: DISCOVER BANK
State: NV

Complaint narrative:
the date XXXX 2020 this on my credit I want this off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX {$140.00} XXXX   XXXX {$760.00} XXXX XXXX XXXX {$190.00}

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 2020-08-24 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX {$140.00} XXXX   XXXX {$760.00} XXXX XXXX XXXX {$190.00}

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 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I've previously attempted to settle the matter with this company but they have ignored my requests and are now in dishonor. The Fiduciary Appointment has been mailed to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: MN

Complaint narrative:
The following credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX, XX/XX/2020, the credit inquiry is fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$150.00} XXXX XXXXXXXX XXXX {$1400.00} XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit Acceptance told me they were sending me a form to dispute the 90 day late on my credit report. I have not yet received that form. they reported me 90 days late in XXXX on my credit. This is ridiculous, how can I go from OK to 90 days late? they said I was in a Coronovirus Relief Program. This is not helping me as a consumer. I DEMAND HELP!

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 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
The dates are XX/XX/20 the amount is {$860.00} : This account is not mine. the actions I have taken is contacting the collection agency, contacted the credit bureau and mailed a letter to the collection agency. 

When contacting the collection agency I informed them that this account was not mine. I had never had an account with the merchant. The agency had an address that I had never resided, there were several things that did not match my personal information. As I requested for them to remove the information, they informed me before doing so they will have to report to the merchant. I then asked for any information they obtained in their investigation such as applications, contract agreements signature cards etc.. I was told someone will call me back. I included that I have a right under the FCRA to be privy of any information regarding any derogatory items on my credit report. I have yet to receive a call back from anyone pertaining to this matter. I also made it clear that I have a personal statement included on my report that cleaarly states, before granting credit to contact me under the FCRA

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 2020-08-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Um, people are not receive the unemployment card at all. O never got mines and I been trying to get one for four mouths nothing. I just try to call no answer no response. You stay on hold for two hours. Like, if you say that a lie then you XXXX lying ... Sorry to say that. Like, that my hard working money on the card which I didn't get. I just want the unemployment to cancel your guys card and send the money to my personal account no response at all and the unemployment card still haven't show and it has all my benefits on there idk what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  XX/XX/2020 Did not approve of 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 2020-08-24 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony Financial issued two of my credit cards, I made on time payments and early payoffs and was a great customer overall. This past year I paid my lowes card ( over XXXX balance out of XXXX ) to XXXX and also had paid off my care credit card one year prior. Synchrony then Decreased my credit limits from XXXX on my lowes card and XXXX on my care credit down to XXXX limit each. I complained and they basically told me to pound sand. Now recently they closed one of my accounts altogether. Synchrony continues practice this same story on thousands of Americans impacting their credit scores nationwide with their shady and harmful practices. I urge CFPB to investigate and take action as this lender clearly intends to do more harm to the American people than help. 

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 2020-08-24 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: FL

Complaint narrative:
I made two disputes regarding an erroneous collection on my credit report with Equifax on XX/XX/2020 and XX/XX/2020. In the recent dispute, Equifax stated that " Consumer 's dispute not specific. Consumer Information verified. Account information updated : Information on your report has been updated. '' Yet, I gave specific information, including receipt of payment. They did not provide me with any proof from the collection agency, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, that showed their reporting was correct. 

I submitted a complaint to CFPB regarding XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, and originally was not going to submit a separate complaint regarding Equifax until I noticed what was said about information submitted was not specific. I have an excellent credit rating/score ranging from XXXX depending on the credit reporting agency and the date. I have not been delinquent on bills or had any unpaid bills for 20+ years. I definitely would have paid {$28.00}. This erroneous collection information on my credit report is negative and reduces my credit rating. I have paid the bill, given Equifax receipt of payment, and explained the situation with specific details. Upon denying my claim they also changed the report dates and the balance date to XX/XX/2020. The original report date by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should remain until they officially report otherwise. Equifax changed the date because of my dispute, not due to XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX reporting. 
Additionally, I have verified with XXXX XXXX that the account was paid and there is no dispute. I'm not sure what type of investigating Equifax did other than maybe contacting XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, who could not confirm the amount is owed when it is not due, if so they misrepresented information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$1400.00} XXXX XXXX {$1300.00}

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 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My mortgage with XXXX XXXX XXXX  was sold once I requested a forbearance due to financial hardship during the COVID-19 pandemic. The mortgage was effectively purchased by XXXX XXXX XXXX  XXXX XXXX on XX/XX/2020, and subsequently contracted out for servicing by Shellpoint Mortgage Servicing. Our initial forbearance was from XXXX XXXX through XXXX XXXX an d extended by Shellpoint for an additional three months after discussing our current financial situation. We were told that we would have deferred payment options at the end of our forbearance but to try to make tax and escrow payments current to avoid any penalties from the government. 

Since our last discussion with Shellpoint, we have not been able to make payments to our escrow account, as instructed and we have not been able to speak to our representative for guidance. I have sent emails on the following dates to XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, in addition to leaving her voicemails on those dates. We have not had any response. We have been sent numerous letters detailing our repayment options, see the attached example. 

Today ( XX/XX/2020 ), I was finally able to speak to another representative who informed me that our mortgage does not qualify to have our outstanding balance deferred to the end of the loan and we would need to stay in forbearance until we can pay the whole amount owed. I asked why our mortgage was not qualified and she said it was because of their client ( XXXX XXXX XXXX   XXXX XXXX ) and she would not offer any other information. She also stated if we wanted to end our forbearance early without making any payments, we would get a negative credit rating. 

Throughout this process, we have been told that having our payments deferred was an available option for our mortgage and they would make sure this was put in place when we felt we could resume payments. This is a situation that we are in due to the sale of our mortgage and no one is being held accountable for the lack of communication and answers regarding our mortgage. We feel as we are in a terrible situation with an uninformed and unresponsive servicing company that puts us at risk of destroying our credit or losing our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Block, Inc.
State: AL

Complaint narrative:
It has been a month now and cash app had yet to give me access to my funds in my closed account with cash app. The funds are stemming from a disputed transaction for {$500.00} that was not made due to an atm error. Along with disputed transactions from unauthorized transactions with the total of those transactions totalling over + $ 1k.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase denied me for a credit card when I have no late payments, now utilization and not a lot of inquiries. I feel that they are being selective of the application process during COVID-19 and would like my application reconsidered. 

I am willing to go to the Attorney General in my state to get this approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IA

Complaint narrative:
My car was paid off XX/XX/2020, as of today XX/XX/2020, I have not received my car title. I called Kia XX/XX/2020, at that time I was told they still have the title and will get it processed ASAP. When I called today, I was told they have not done anything with it and am now getting the runaround.

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