vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear Team, i received a pre-approved credit card offer from Amex for my business ( sole proprietor ). it had a code as well and it looked like i have everything set and just need to apply the code in the letter. but when i completed everything it was declined/ refused and caused me a hard inquiry on my credit and reduced my credit score. i want Amex either to approve my application or remove the hard inquiry from my credit report in-result of misleading offer. thank you XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX Opened XX/XX/XXXX {$340.00} Original creditor : XXXX XXXX XXXX XX/XX/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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are several creditors listed on my credit report that are not mine. Please remove 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are several creditors listed on my credit report that are not mine. Please remove 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are several creditors listed on my credit report that are not mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment reported for XX/XX/2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX -I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

BANKAMERICA XXXX I was never late 30 days on XX/XX/19. The payment history and the status of this account is inaccurate. This account should not be late pursuant CARES Act. Thoroughly investigate and update with lawful accuracy.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Opened XX/XX/XXXX {$340.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Opened XX/XX/XXXX {$340.00} Original creditor : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to place disputes on my credit via fax to Experian, Equifax and TransUnion. Online and on Myfico, fax numbers are given, but all ring busy or are saying " the line is no longer in service. '' This is misleading and highly inconvenient, in addition https : //www.experian.com/consumer/upload/ NEVER allows you to upload documents. It continues to give an " ERROR '' message when trying to upload documents that are within their required parameters. This site is fraudulent in my opinion, not allowing it to be used at all on purpose. This is the 21st century and not everyone feels comfortable with sending highly sensitive documents ( ie. Social Security, Identification cards, etc ) in the mail. Mail has been proven to be tampered with, stolen, inconsistent, and so on. We need to be allowed and assisted to submit our important documents DIRECTLY to these agencies via FAX and/or UPLOAD ONLINE.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CCS reported that the account was closed. I was told to pay a settlement amount and the account would be deleted. I have submitted several disputes and nothing is taking place. The XXXX debt should be listed as deleted instead of closed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I requested that Experian prove to me how they " verified '' that the account with XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. This does not happen. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.

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 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I tried to withdraw {$200.00} from a USAA ATM at XXXX XXXX at XXXX on Monday, XX/XX/2021. The machine shorted me {$60.00} and only dispensed {$140.00}. I have an account with USAA and called the number on the ATM when I got home at XXXX and told them what happened. They were able to credit me the {$60.00} pending an investigation. A letter was posted to my account on XX/XX/2021 stating that their investigation was complete, that the correct amount was dispensed, and that the temporary credit of {$60.00} would be reversed on XX/XX/2021.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
There are multiple inquiries on my credit report that I do not recognize they have not been signed or authorized by me I have been disputing these since XX/XX/XXXX and nothing is being done!!!! 

Creditor Name : DC/APT OWNER Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : CONTEMPORARY INFORMATI Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : NOWCOM/WESTLAKE FINANC Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX CARD Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-06-15 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: MO

Complaint narrative:
I sent proof of these unauthorized inquires to XXXX and Transunion XX/XX/2021 and I have not gotten a response from neither company yet. I have proof in the FTC Identity Theft Report and attachment labeled as Exhibit A-B that all of the companies are in Violation of 15 USC 1681 N. The companys willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1681. They are now civilly and criminally liable for those Violations.

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 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: AZ

Complaint narrative:
XXXX XXXX AND CREDIT CONTROL CORP. 
Disputed on XX/XX/XXXX. Filled out a police report on XX/XX/XXXX. I filled out an identity theft report for XXXX XXXX. Received an email from XXXX XX/XX/XXXX stating they approved and zeroed out the collections. Would be gone by 90 days off my credit report. waited the days and contacted XXXX again on XX/XX/XXXX. Was told she was going to look into it. Never heard back. I emailed XXXX again and got a response. She sent an email of the collections saying it would be off. Emailed her back on XXXX saying that it was incorrect information on the statement she sent. Never heard back. Emailed again on XXXX stating I wanted answers. We keep going in circles. I called the collections agency and told me to contact XXXX XXXX again. I called the number provided with her email and it is a nonworking number. This is getting out of hand and I want answers!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
my husband and I had an agreement with XXXX ( now XXXX ) : Forbearance on our mortgage for the year of XX/XX/XXXX due to financial hardships b/c of covid 19. our Forbearance agreement started in XX/XX/XXXX -XX/XX/XXXX. our payments made during the year ( {$3500.00} ) was not deducted from our principal or or forbearance balance, or escrow. They ruined our credit with the credit bureau and reported over 12 late payments during covid 19 and while we were in forbearance. They also did not deduct the months of payments that were made during covid 19 about {$3500.00} of payments that were made were not deducted from our mortgage or interest/escrow. 
My husband and I can not get XXXX on the phone. 
XXXX XXXX XXXX has bought out XXXX and they will not respond. 
Experian has tried to help resolve the issue and nothing has been done since we closed on our house XX/XX/XXXX. 
Experian has proof of the payment from my husbands bank account proving the {$3500.00} of payments made during the year of XX/XX/XXXX. 
please help us as we can not get another loan for a house b/c of what XXXX ( now XXXX ) has done to our credit and it is an awful situation, we feel we are scammed and we are stuck and can't purchase a house b/c XXXX was dishonest and has destroyed our financial reputation. we have paid our balance in full since XX/XX/XXXX. we feel cheated. we feel lied to and stolen from and now our reputation is destroyed, i was denied many morgage loans b/c of it.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: AZ

Complaint narrative:
I have been working with Intercontinental Capital Group ( ICG ) since XX/XX/2021. My family is trying to refinance our home that has an FHA loan. ICG was initially very aggressive with their communication with us, trying to get us locked in with their company before we shopped around. After some discussion, we decided to go with ICG. We were very prompt with them whenever they asked us to return/sign documents ( always returned within a matter of days and/or updated if we needed more time before submitting a document ). 
We have already paid money for this refinance with ICG. 
We were promised an initial closing cost of a couple hundred dollars. In XX/XX/XXXX an ICG rep called us saying we owed {$5000.00}. I told them we did not have that money and that is not what we initially discussed. The rep said that they would call back after discussing with their team. 
We have received no communication since then. We have attempted calls and emails each week with no response. Today when I tried to email, I got an automated message saying that both reps at ICG have blocked incoming emails from my address. 

NMLS : XXXX NMLS : XXXX We just want to refinance our home and be done with this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
BB & T/Truist sold my mortgage to SunTrust/Truist ( moving money around on their books ) and early in XX/XX/XXXX I was contacted about being in default. I spoke to someone at SunTrust on XX/XX/XXXX. My mortgage is in COVID forbearance. 

On XX/XX/XXXX SunTrust sent me 64 copies of the exact same letter stating I was in default since XX/XX/XXXX. 64 copies seems like harassment so I called them. They couldn't give me a good reason for why 64 copies of the exact same letter were sent on the exact same day. 

Since then, I've continued to get certified letters stating if I did not bring my account current they would begin foreclosure proceedings. 

I'm stressed out by all this garbage ; 64 letters seems excessive but to switch to certified mail threatening foreclosure after I had contacted them and confirmed my mortgage was, in fact, in forbearance has caused mental breakdowns due to stress created by the thought that I may be homeless before the end of XX/XX/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 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and 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