vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The company failed to close the account when I returned our cards and they continue to allow charges to the account which are not legitimate even though their own investigation disclosed that they are not purchases that we made.

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 XXXX XXXX XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX Department/Variety and Other Retail XX/XX/XXXX TransUnion XXXX XXXX XXXX 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: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

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 information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a business credit card with Chase business credit. due to Covid 19 I lost my business, and all of my income, I tried to make payments throughtout the panemic, until I no longer could afford the monthly payments. Chase has been reporting this information to my personal credit report as deliquent, and account closed, with a late status of XXXX of credit card debt which belongs to my business. This has really affected my personal credit rating. I am trying to recover from the effects of covid 19 and get back on track. I have spoken to Chase as well a XXXX XXXX XXXX to try and get the problem resolved, I keep putting in disputes complaints with XXXX and nothing has changed. 

The credit card is a Chase XXXX XXXX Credit Card Credit Card XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Since 2018 with documented certified letters, emails, and voicemails, I have tried to get in contact with Pentagon Federal, and they will not return my calls, emails, or certified letters but keep updated my credit reports inaccurately. I have been trying to pay this debt since 2018 but have no access to their online site, and none will return any of my messages. They should not be updating my credit report if they are just going to keep ignoring the consumer, especially when they are trying to pay the debt.

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 2021-05-29 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
I do not own a XXXX XXXX  & therefore do not own this debt. I have repeatedly tried to call Diaz & Associates & I get no answer & can not leave a VM as their maibox is full ... They tell me that I must respond by XX/XX/2021 & so I finally just sent them a text today on XXXX disclaiming this charge to their text number ... I will freely give you the info as follows, as I don't own this debt : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX CA XXXX ... Telephone # is XXXX, FAX # is XXXX, stmt was dated on XX/XX/XXXX of 2021 & after many repeated attempts unable to contact them I finally faxed them today on XXXXto dispute this charge ... Other pertinent info from this outfit from this notice is as follows : XXXX XXXX, acct # XXXX ( which I do not own ), File # XXXX, Balance of XXXX, & just as long as I pay XXXX by XXXX will call their dogs off ... I've learned that they have a # of fradulent claims that people have reported abouit this debt collection agency to CFPB, so pls get back w/me asap, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: MN

Complaint narrative:
There was a XXXX bill from 2014 that was last active in XXXX 2014 and then XXXX closed it and it went to collections with Jefferson Capital Systems. Despite the fact that the Federal Statute of Limitations is 2 years on cell phone bills and the Minnesota statute of limitations is 6 years this is still on my report going into 7 years now. I have disputed it with XXXX, XXXX and XXXX and they keep turning it down for taking it off my report which I think is a violation of the fair credit reporting act.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/14 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: OH

Complaint narrative:
A collection account was removed from my Equifax credit account thru XXXX XXXX and my score dropped 62 points. Collection accounts are a negative item on a credit account and my score should have not dropped 62 points. I have tried on several attempts to resolve this issue with XXXX XXXX and it has not been resolved. I also have a car note account listed on my account with them and the credit company reported exceptional payment history. Yet my score goes up one point each month. I need both issues investigated and resolved. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I began receiving phone calls from a one XXXX number that claims to be PayPal. They state that I have a negative balance on XXXX, however I never authorized for any transfers to be made to my bank. I opened your dispute and ask them for help, they stated that guy in fact may have been the victim of fraud, however they will not stop calling me to the tune of 10 to 15 times a day

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this complaint in reference to XXXX account ending in XXXX, with a remaining balance of {$0.00} ; which was satisfied on XX/XX/XXXX with the agency that the account was sold to, XXXX XXXX XXXX XXXX. My complaint is with Experian as I have disputed the incorrect information with them several times within this past year and they do absolutely nothing to correct and remove the negative tradeline per FCRA guidelines. Also, instead of following applicable Federal FCRA laws and removing the account due to multiple reporting inaccuracies, Experian takes my dispute and sends to XXXX, who in turn does absolutely nothing. I as the law abiding consumer get left holding the bag for interconnected oligarchs that commit financial crimes. 

Lenders and finance companies that I apply to deny me funding due to the negative collection account that XXXX reports to Experian and XXXX. In addition, XXXX has written this account off on their taxes shortly after the year XXXX, sold the account to another agency that I paid off, yet falsely represents this account as themselves being the debt owner. Experian reports on my credit file for this account as being 120 days late in XXXX of XXXX, then 120 days late in XXXX of XXXX which is mathematically impossible as this is only a 30 day time frame I disputed this with Experina 4 times since XXXX of XXXX. This is a FCRA " Metro 2 '' Compliance violation. Date of last Activity is XX/XX/XXXX yet Experian reports this information as XX/XX/XXXX, which is incorrect and another compliance violation. The text in the comments section state that this account was sold to another lender, yet they do not list who the lender is which is another FCRA metro 2 violation. The Original creditor field is also left blank. They are not only hurting my credit file but they're also breaking consumer laws with no justification for doing so and have not given any explanation for doing so until this day of XX/XX/XXXX. All relevant documents that prove my claim have been attached to this complaint. I need this account removed from my Experian credit file immediately upon receipt of this complaint due to multiple FCRA violations including incorrect, incomplete credit entries, and making false representations of historical credit data.

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 2021-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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 had a business credit card with XXXX XXXX XXXX. due to Covid 19 I lost my business, and all of my income, I tried to make payments throughtout the panemic, until I no longer could afford the monthly payments. XXXX has been reporting this information to my personal credit report as deliquent, and account closed, with a late status of XXXX of credit card debt which belongs to my business. This has really affected my personal credit rating. I am trying to recover from the effects of covid 19 and get back on track. I have spoken to XXXX as well a Experian Credit Agency to try and get the problem resolved, I keep putting in disputes complaints with Experian and nothing has changed. 

The credit card is a XXXX XXXX XXXX XXXX XXXX Credit Card XXXX is 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 2021-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: CA

Complaint narrative:
I obtained a first mortgage a little over 3 years ago. In the closing documents, it stated that XXXX of 2021, we would be able to cancel the PMI. I tried for 2 months to get this done and they never even acknowledged my concerns. I complained to the XXXX XXXX XXXX and eventually, the company did send a letter stating they needed {$100.00} for a " Broker 's Price Opinion ''. I called the number they provided in early XXXX and gave them a check through their phone service. To date, they have never cashed this. I wrote a month ago asking if they received it and still no response. It is my belief that they are milking the cow for all its worth before giving up the extra PMI payment each month. I am going to start filing online complaints through XXXX and some others and am thinking about even filing a complaint against the online mortgage broker we used in our refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
Money would not take partial payment, withdrew complete amount of XXXX. Need reversal immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I stopped the application before it processed but a Victoria 's Secret employee tried to convince me to apply for their " rewards card '' and lied repeatedly to me, insisting it was not a credit card ( and when I asked " so it's not a credit card '' she told me no, not at all ). When the system asked for my SSN and the top said " Victoria 's Secret Credit Card '', I told her " But this says it's a credit card '' and she replied " Oh it just says that but it's not '' then her co-worker stepped in to say it actually is a credit card. 

Had I not been vigilant, only spoke broken English, was naive, or uneducated, I could have been deceived into applying, only to have my credit hurt by the new account and a new inquiry. I'm also getting ready to apply for a house and something like this could have stopped my application from getting approved. I feel if I were disadvantaged, this would have been very unfair, and at best it was a very deceptive act. I'm concerned about those who have actually fallen for this illegal tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: KS

Complaint narrative:
On XX/XX/XXXX of 2020 I requested forbearance due to covid-19 as my tenant was let go from their job and the hotel that I work for, closed. When I requested to restart my mortgage payments, Flagstar told me to submit a loss mitigation application. Which I did in its entirety. They never called me simply sent me notice saying that my application was incomplete but didnt say what was missing. I called and no one could tell me what was missing. I asked repeatedly what exactly they were looking for and they simply stated to resubmit the same documents again. So I did. Still, no phone call or update. I then call and request to speak to a new person since the person assigned wasnt helpful. The individual I got, was friendly and again she told me they closed my application due to it being incomplete but said she herself said she didnt know how it was incomplete because she could see all the documents uploaded and to resubmit everything AGAIN. So I do. She tells me she will call me every week with an update. I never received a call. I got an automated call from flagstar but no voicemail so I call back and Im told my assigned person is busy and I can request a call back. So I do. Twice. Only to be called back by someone who didnt even know why they were calling me. I explain I applied for repayment options from my forbearance and completed the loss mitigation application and she simply states let me look ... oh yeah its been denied when I ask why? She couldnt explain it to me and just said I can appeal but no options are available to me. I never received a call, a letter, anything. And she said this was decided on the XXXX and its the XXXX ... I only have 14 days to appeal and I havent even received the appeal forms in the mail they said that I shouldve. I want to keep my home and I was under the impression HUD was helping people effected by Covid do so but this has been a disaster. Theyre not helpful and they dont want me to keep my home and its obvious. Not a call, no guidance, no options. Anything. Please help me keep my home and fine flagstar for scamming people out of keeping their homes.

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 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
my name is XXXX XXXX I moved into these apartments pre-Covid, I have never been late in XXXX I notified management that I would be leaving the property because of my transfer as I am a XXXX XXXX, The manager on duty on time said that would be fine, He said I needed to clean unit, and hand in all keys, he stated, that, I would not receive any late fees, or incur any pentalities, I cleaned unit, and gave keys to manANGEMENGT, I asked him again would I owe any fees he stated I would not, because of the Cover relief bill I would not be charged any late fees, or have any broken lease fees, Under the COVID RELIEF BILL, I WAS AWARE I COUULD MOVE OUT OF THE UNIT AND NOTIFIED THEM THAT MY MILITARY UNIT WAS CLOSED AS WELL AND THAT I HAD A TRANSFER TO XXXX, THE MANAGER SAID IT WAS FINE, NO PROBLEM, IN XXXX I APPLIED FOR A APARTMNET AND WAS DENIED, BECAUSEA XXXX DEBT OR COLLECTION HAD BEEN ADDED TO MY CREDIT REPORT, I NEVER RECIVCED NOTIFICATION, EVER THE COMPANY HAS NO SIGNED LETTER, ALSO MANY CONSUMERS HAVE STATED THAT WE WERE ALL TOLD TO MOVE OUT AS WELL AS THE COMPANY SENT LETTERS AND TEXT ASKING US TO USE OUR STIMULUS CHECKS TO PAY OUR RENT, THEY ALOS SAID TO AVOID EVICTION COST TO MOVE OUT N LATE FEES TO MOVE OUT, AND TO NOTIFY THEM, THIS COMPANY HAS MANAgers that switch, and each one tells you a different thing, none of them known the truth, I'm a XXXX year old Army veteran and this is affecting my credit, I was denied the apart Im being charged and it was stated I would not be, I never ever received proof, I left the apartment in excellent condition, the manager at the time stated it was move in ready,

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