vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc.
State: OH

Complaint narrative:
I am currently 2 weeks behind on a payment. I contacted the company and acknowledged the issue. 
On XX/XX/20, between XXXX and XXXX. 
I received 12 text messages in 1 hour from the company telling me to pay it. 
I contacted the company and asked them to stop, they said no and it turned into an argument. This contact was made after XXXX and then received 2 text messages again with in the first half hour. 
So now as I am writing this message, we are at 15 communications in 1.5 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have a car loan with XXXX XXXX i just made a payment of XXXX XX/XX/2020 when XXXX updated today XX/XX/XXXX it shows an increased balance of {$350.00} bringing the loan balance up to XXXX dropping my credit score 12 points. I contacted XXXX XXXX   they agree that the correct balance should be XXXX and they never reported an increase. I have proof of all this. A payoff statement with the correct price and a saved conversation with XXXX XXXX. This is not the first time XXXX has reported false information and blamed the creditor. Im getting sick of this and i am ready to take legal action against them if they have no plans to fix my score and correct the information they reported. This time i have the proof that transunion is screwing people by reporting false information. If this can not be resolved i will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have a car loan with XXXX XXXX i just made a payment of XXXX XX/XX/2020 when XXXX updated today XX/XX/XXXX it shows an increased balance of {$350.00} bringing the loan balance up to XXXX dropping my credit score 12 points. I contacted XXXX XXXX   they agree that the correct balance should be XXXX and they never reported an increase. I have proof of all this. A payoff statement with the correct price and a saved conversation with XXXX XXXX. This is not the first time XXXX has reported false information and blamed the creditor. Im getting sick of this and i am ready to take legal action against them if they have no plans to fix my score and correct the information they reported. This time i have the proof that XXXX is XXXX   people by reporting false information. If this can not be resolved i will take legal action.

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 2020-04-30 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: PA

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$760.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-30 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: PA

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$760.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-30 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:
My complaint is in reference to Transunion Credit Reporting agency, regarding fraudulent accounts remaining on my credit file. After contacting, the original creditor and consumer credit reporting agency. I was told by Transunion Fraud department to file a FTC identity theft report Affidavit in order to have the fraudulent accounts blocked and deleted from my credit file. I sent Transunion the required documents via certified mail on XX/XX/2020. However, the following accounts still remain on my credit file. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX open XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX # XXXX ... XXXX XXXX # XXXXI was told by Transunion according to federal law Fair Credit Reporting Act. That the items contain in the theft report will be blocked/deleted seven days prior to receiving the theft report. It has been well over 30 days since I sent Transunion the required document. It is a awful how the credit bureaus handle fraud victims. I feel treated as a suspect instead instead of a victim. Please assist in resolving this urgent matter.

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 2020-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I applied to have my cosignor released XX/XX/15. My credit score is XXXX and I have the income and debt ratio to sustain the loan without the cosignor. I can not get a straight answer from Navient. Each time I call and talk to a different person, I get a different answer. All of my payments have been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: MA

Complaint narrative:
I am sending request to remove accounts which were opened by fraud another person. I never give permission to open these account and never signed any documents. The both accounts fraud. Please investigate and remove as soon as possible. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

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 2020-04-30 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: MA

Complaint narrative:
I am sending request to remove accounts which were opened by fraud another person. I never give permission to open these account and never signed any documents. The both accounts fraud. Please investigate and remove as soon as possible. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

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 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reviewed my credit file and see that there are accounts that I have not authorized, I would like them verified for accuracy immediately as they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX communicated a change in my score. Transunion reduced my score from XXXX to XXXX a drop of 58 points from XX/XX/XXXX to XXXX, 2020. This is devastating. Why? I had just paid my bills on time. XXXX dropped my score to XXXX. Both scores fair. I had an autopay with A service and I canceled it why drop my credit score. I contacted the autopay company and they said I could cancel so What caused the drop in score?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, Transunion, and XXXX are inaccurately showing that several of my accounts are 30, 60, 90, and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX - Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2020-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Today, XX/XX/20, I received a notice from XXXX XXXX that one of my accounts had been closed, however, I have not closed any accounts recently. Upon review of my credit report I discovered that my Victoria Secret account had been closed by the bank, Comenity, without any communication with me. I tried to call the bank to resolve the issue thinking it was just an error, however, when I called the message I received was " Thank you for calling. Our records show that your account has a zero balance and is closed. If you are calling to ask about reopening your account we are not able to reopen an account that has been closed by the bank. You are welcome to reapply. We are sorry for the inconvenience. Take care. '' Like many other credit users of Comenity I was never late, paid on time, and had a zero balance due to no need to use at this time. Being a responsible card holder and not using credit I didn't need to use or have budgeted to use at this time meant that 2 of my accounts were recently closed. What is the point of being a responsible credit user if I am going to get penalized for NOT using it when I didn't need to. Apparently these banks are looking for people who can't afford to use them and do. Despicable and shameful! They say they are here for Americans and Veterans during the COVID-19 pandemic but really they are just trying to use it as an excuse to line your pockets with irresponsible spending habits. Disgusting!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reviewed my credit file and see that there are accounts that I have not authorized, I would like them verified for accuracy immediately as they 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 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reviewed my credit file and see that there are accounts that I have not authorized, I would like them verified for accuracy immediately as they 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 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On Monday XX/XX/XXXX, I withdrew {$110000.00} USD to my Bank of America checking account from my XXXX account. Upon completing my withdrawals, which I had to do in partial withdrawals to avoid XXXX error pages, my account was placed on hold. A {$880000.00} USD pending debit was added to my balance, rendering my overall balance extremely negative. 

I immediately drove to the bank and was told that the only way to solve this was to call a number. Ive been calling the number given to me for 4 days, all day long, and Ive just had my time wasted. Ive been hung up on countless times, forwarded constantly and passed around between departments that just keep forwarding me or hanging up on me ( once I got forwarded to a trailer park that had nothing to do with BoA ). 

I need to be able to use my funds for the following : XXXX XXXX, gas, food, bills, rent and overall essential expenses during a critical time. Bank of America has robbed me of my money for multiple days without providing reasoning or assistance. 

This is not an issue that can wait for 4 days. This isn't even an issue that can wait more than 24 hours. I demand that Bank of America appropriately assist me. 

I understand that the hold was placed potentially because I had to break many withdrawals into smaller equal sized ones to bypass the fact that any withdrawal from my XXXX {$10000.00} or greater is blocked, however the resolution of this hold is the problem, not the hold itself.

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 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have two collections marks on my credit report. There was almost no information besides " CMRE financial services ''. There was no email, phone call, mail or notification that this payment was going into collections. That is the same for the " XXXX XXXX XXXX  ''. I have NO idea what that one is from. There was no information given to me let alone my right to dispute it ... I'm fresh out of college and can't get a car loan because of the two collection marks. From what i've read EVEN IF IT'S PAID it will stay on my report for seven years. 

I found out about " XXXX XXXX XXXX  '' today XX/XX/XXXX and paid it ... I paid " CMRE '' around XX/XX/XXXX. I found out after comparing dates that it was from an ER visit at XXXX XXXX Medical. No one could give me a solid answer of what I owed. My credit report would say one amount, and a representative would say another. Once again no information about what it's from or information about disputing. I asked if they could remove the mark and they said they " didn't know '' if they could or not. 

I'm pretty desperate of a car loan this week and these paid marks have caused me to be rejected from 6 lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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:
While I was in the process of trying to rent an apartment my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from identity XXXX to check the reason Iwas denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These account do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$430.00} LXXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$760.00} XXXX XXXXXXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX {$830.00} XXXX XXXX {$93.00}

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 2020-04-30 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:
While I was in the process of trying to rent an apartment my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from identity XXXX to check the reason Iwas denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These account do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$430.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX {$830.00} XXXX XXXX {$93.00}

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 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I was one of the authorized user of business checking account of company ( one a XXXX XXXX XXXX ) at NEW YORK COMMUNITY BANK Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number XXXX As Company deposits checks in account one check was not clear from payee for {$4100.00} date XX/XX/2019 My name was put on XXXX  as account abuse I cant open account with my name in any bank For that reason I try calling bank to resolve this issue thy ask me to give bank {$4100.00} the amount bank charge off I try explaining that its business account company is responsible for that I offer bank if thy negotiate that $ amount so I can clear my name, The person I talk to she said ( NO WE CAN NOT TAKE LESS THEN FULL AMOUNT ) Im requesting that this should be remove from XXXX  as its illegal and immoral to penalize for life someone who is authorities user for corporate checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
customer service giving incorrect payment information customer service saying they will get back to you and never do attempting to collect late fees before payment is due App does not verify a payment was made successfully causing overdraft when you attempt to make payment again See letter to XXXX XXXX for more details : XXXX Dear Mr. XXXX, My father is a veteran, so I opened a credit card with USAA. I had heard that the service was outstanding and opened a credit card number XXXX XXXX XXXX XXXX. I attempted to pay the balance on XX/XX/XXXX. Your app appeared not to have taken the payment, so I tried again using a smaller amount. This caused an overdraft situation because even though the app appeared not to take my payment, it did which cost me over {$300.00} in fees and put me over the limit. When I contacted USAA to correct the situation, I naively thought someone would investigate and call me back, so I waited, and the account went delinquent. More delinquent fees piled up on the account and you ruined my credit by reporting me to the credit bureau. I had some serious medical issues which I am recovering from and I lost my job. 
Recently I asked for a reprieve for Coronavirus and as usual I never heard back from USAA. 
I am requesting the following actions be taken 1 ) Since the app mislead me into thinking the payment had not been taken I should be reimbursed the late fees. 
2 ) I am requesting that you notify the credit agencies using XXXX to remove the delinquencies you have reported on his account. 
3 ) In return I will set up automatic payments to pay this debt off as you can see I have been making payments in good faith. 
4 ) also asked for a Coronavirus deferral and as usual I have not heard back. 
I think this is a reasonable request. I would like a response within XXXX week and after that I will copy the consumer protection agency and perhaps, they will get back to me. 
Thank you, XXXX XXXX cc. Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, D.C. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation