vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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:
MY XXXX XXXX CREDIT CARD stated to me that they report to the credit bureau daily yet the CREDIT bureaus have no consistency in how they report balances it seems as if they report whenever they choose ... ..my balance with regions in XXXX was XXXX but the bureaus reported it at least 3 times throughout the month ... reported XXXX dropped my score 50 plus pnts and then reported it at XXXX and it dropped more because it reported the usage as high ... ..MY BALANCE IS ONLY XXXX!!! and I want this corrected immediately and my account re-scored immediately!! 


XXXX XXXX CREDIT CARD ACCOUNT # XXXX $ XXXX they also continue to report inquiries that I have no knowledge of : XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: TN

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX 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 2020-06-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX 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 2020-06-30 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: TX

Complaint narrative:
FTC WAS FILED ON THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2100.00} High Balance {$2100.00}

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 2020-06-30 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: TX

Complaint narrative:
FTC WAS FILED ON THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX  Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2100.00} High Balance {$2100.00}

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 2020-06-30 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: NC

Complaint narrative:
Currently there is a credit card showing on my report for XXXX XXXX XXXX. This bank has reported to my credit reports that I have a {$350.00} charge off as well as MULTIPLE late payments throughout XXXX and XXXX. This account is not mine. 

When trying to resolve, I am told by customer service that I can not speak to anyone and get details on the account because my information ( aside from social and birthdate ) does not match the information on the account. I can't verify this information because it is not my information. This information includes mother 's maiden name and my address. 

Because I am unable to verify any information, I am unable to establish where this account came from or get any relief. 

I have even attempted to possibly pay the account, just to assist in fixing the information on my credit report. I am told that I can't pay over the phone but must send a payment via mail. This payment will need to include an account number that I do not have because they will not give it to me. Once they are able to find the correct account number to apply the payment ( after weeks of processing between mail and them finding the correct account ), they will then hold the payment for 2 weeks to make sure it " goes through ''. I am not given any option that allows for a timely resolution to the issue. 

They have given me NO options for resolving the actual damage to my credit report. They have offered the mailing of a fraud affidavit, which will include the request of account information that I DON'T have. This affidavit cant be sent any way but mail, and can only be returned by mail. This process alone can take weeks. From there, they can take weeks to " investigate ''. 

This is not allowing me a timely resolution. This account is fraud and needs to be suppressed accordingly until properly investigated. This account can not report on my credit bureaus if I can't even obtain account information due to fraudulent information given to set it up.

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 2020-06-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL 3 bureaus are reporting differently on the this particular account which I reported as FRAUD.I HAVE NEVER HAD A STUDENT LOAN WITH US DEPT OF ED/XXXX ACCT # XXXX {$16000.00} US DEPT OF ED/XXXX/XXXX  ACCT # XXXX {$5100.00} US DEPT OF ED/XXXX/XXXX  ACCT # XXXX {$3300.00} XXXX  IS REPORTING IT AS A CHARGE/OFF WITH LATE PAYMENTS EQUIFAX IS REPORTING IT AS ACTIVE ACCOUNT WITHOUT ANY ACTIVITY XXXX  FOUND THAT IT WAS FRAUDULENT AND DELETED THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander Consumer USA has recently settled in a multi state investigation about Santander 's subprime lending practices. Santander knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probably of default. I have sent letters to Santander about my account being deleted and to this day they have not deleted this from my credit report. It is against the FCRA for a creditor and the credit reporting agencies to report inaccurate and false information. I am asking that this Santander account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian <XXXX> keeps emailing me and says that I can login into my account to check my credit score. I do not recall making an account at any point. I went to change my password to see if I could deactivate this falsely made account but the only way was to call or mail in. There were no options to speak to representative to deactivate this account and the auto prompt told me to mail them if I want to explain why I was contacting. If a company has an online account then there should be a way to deactivate the account through their website without jumping through a huge amount of hoops. As this company has already lost the sensitive data of millions of Americans I want nothing to do with 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 2020-06-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed some inaccurate and unverified accounts on my credit report, I sent a dispute to Experian and they refuse to do a proper investigation. they keep sending me back notices saying my accounts were verified, I know this is not true because I reached out to the data furnishers and they were unable to provide me with any debt validation. Experian keep using their data matching system e Oscar and is adamant about not doing a proper investigation. The data furnishers stated they had no information on the accounts, so hw in the world did Experian verify these accounts. I reached out to the XXXX  to complain and the XXXX  said Experian did not respond to them. please help my next step is to file a lawsuit.

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 2020-06-30 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: CA

Complaint narrative:
This account does not belong to me and has been on my credit report for some time. I am asking that this account be deleted because it is not mine. I have attached an identity theft report as well. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, 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 2020-06-30 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: GA

Complaint narrative:
I booked a trip through XXXX on XX/XX/XXXX of last year to go on a trip for XXXX to XXXX, XXXX on XX/XX/XXXX. The whole trip including flight, airfare and hotel was {$35000.00}. XX/XX/XXXX Hurricane Dorian ( category 5 hurricane ) hit the XXXX and sat there for several days destroying the islands, hotels and the airport was under water. Flights couldn't go in or out for weeks. We decided to cancel our trip on XX/XX/XXXX as no flights were going in or out of the country. We then received a notice from XXXX that we would only be credited {$1000.00}. They charged us {$100.00} cancellation fee for the hotel room even though the hotel didn't exist anymore and told us our flight was non-refundable. I immediately contacted Capital One to dispute the charges as I had paid with this card. Capital One reached out to XXXX and XXXX advised they would give us a flight credit with XXXX XXXX that had to be used by XX/XX/2020. Capital One then dropped the dispute and closed our case. In XXXX of this year we began planning another trip to use our flight credits with XXXX XXXX before they expired. That's when XXXX happened and XXXX closed its doors. Their website said to dispute the charges with my credit card company but because I had already done that months before it's Capital One 's policy not to reopen the case. We also contacted XXXX XXXX but they said that XXXX  still had our funds and there was nothing they could do- it had to be handled with XXXX . Now we're out an additional {$2400.00}. Please help us resolve this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Ive had issues with Freedom Mortgage Over the last year since applying for my second loan with them. I was a Freedom customer 10 years ago and they were awesome, but now seem to be always behind. When we initially closed, they only paid for a portion of my homeowners insurance policy, leaving me without coverage during hurricane season and causing me to pay an additional {$2300.00} out of pocket for a last minute plan prior to the arrival of Hurricane Dorian. The initial closing process itself passed me around to mortgage experts who rarely answered their phones or returned my calls. They didnt seem to care how long it took to get my paperwork through and almost cost me my house in a competitive buyers market. More recently I attempted to refinance my loan, only to get stuck in the closing process waiting my for XXXX payment to post. I had to call them four separate times over a period of three weeks to finally schedule the closing. Now this morning I took off work to wait for the notary who was supposed to be here at XXXX XXXX. She alerted me last night that she didnt have the closing documents. The closing company called me this morning to tell me there was a delay in receiving the documents from Freedom. Not once did Freedom call or reach out to tell me the plan would change. When I called them to complain the response was well we are happy that the documents are finally out and there are no problems. This complete lack of accountability on Freedoms part is wholly unsatisfactory and disappointing in the lack of oversight and leadership displayed in multiple departments. They seem to have a culture of sub-par work at the expense both in time and money of their clients. I recommend they take steps to implement stricter QC and timeliness policies to avoid jerking people around like this in the future.

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 2020-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I refinanced my mortgage with Bank of America in XXXX XXXX. I have public record of the mortgage being satisfied as of XXXX XXXX. It was brought to my attention in early XXXX that BOA was still showing the account on my credit report ; I was trying to apply for a loan interest credit account offered to me through a local teacher 's credit union. They brought it to my attention that my credit report showed my mortgages at double what I claimed. I contacted BOA and confirmed via mail that they showed my loan as " satisfied '' and they mailed me a " copy of lien release '' showing what they had on file. 
I am in the process of refinancing again. For the last year my credit score remained low and I did not know why. During the title search process it has come to light that BOA SOLD my loan to a servicing company, XXXX ( XXXX. XXXX ) which sold the loan to XXXX ( XXXX XXXX ) 6 months AFTER the loan was satisfied. XXXX has never sent me any info regarding holding my loan and I currently pay XXXX XXXX for my loan and they are the rightful owner of my mortgage as the loan was transferred to them in XXXX. I have all the legal documents on file with my count tax collector and will pursue this as best I can. Bank of American illegally sold my mortgage 6 months after they were paid.

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 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Accounts Group, Inc.
State: IN

Complaint narrative:
I joined XXXX XXXX XXXX on XX/XX/2020. XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX , XXXX, IN XXXX. The assistant manager was extremly rude to me on several occations. Also they were not observing social distancing in the gym because the equipment was extremly close to each other and was very crowded. The gym was dirty and not where I wanted to go. I told the owner I wanted to cancel afer 3 days. He agreed and sent me a cancelation form. I filled it out and dropped it off to him. He would not give me copies of my contract or signed cancellation form. However I took him at his word that I would be cancelled and refunded my money. After 2 weeks, I did not see a refund. I notified him and he said he was not going to refund my money. He also stated if I disputed the charges with my cerdit card company, he would charge me for a full 3 months and addtional charges and send over to a collection agency. I did dispute the charges with XXXX XXXX Credit card. They reversed the charges. He has sent this over Eagle Accounts Group located at XXXX XXXX XXXX, XXXX, IN XXXX. They are trying to collect on a cancelled account and with added fees that I do owe. Please help as this company ruthless in its business practices and trying to extort money that is not due to 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 2020-06-30 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: AL

Complaint narrative:
XXXX XXXX Master Card 2go program for GA unemployment insurance. 
XX/XX/XXXX I ordered a replacement card as mine was lost. I paid to have it expedited.Was told by the agent two days. Card never showed. XX/XX/XXXX I called they cancelled order and ordered new card. Told me that i would have it in two days. Still no card. My bills are late and my phone is shut off. Also, I will be contacting a lawyer. The fact that they just flat out lied is what really perturbs me. I will maintain my composure and conduct myself as a gentleman but i am XXXX  to put it mildly. On several occasions i remained on hold for over an hour. I had to set my alarm for XXXX jusft to speak to an agent, including supervisors that all flat out lied. I will be recording my conversations with your lying agents going forward. Direct reflection upon leadership : guess you're all liars. 
Card was lost so i have no card number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I am complaining that Kraken, a regulated United States exchange,  who has processed payments from my account to possible fraudulent third parties, in particular to the merchant XXXX. XXXX  deceived me into paying for services which I never received, and refused to return my money. Upon notifying Kraken and providing proof of the situation, Kraken refused to return the funds that were wired to the beneficiary account at XXXX XXXX XXXX that is the name of Kraken and that are related to me. 

These funds were for my retirement which my late husband left me, and I was really depending on them to make life easier now in my senior years. I have been left devastated after being effectively scammed by a merchant called XXXX using Kraken as their processing exchange. I am distraught over the loss of this money, it has had a terrible effect on my mental health and life in general. 

Kraken has been silent on the issues raised in the attached letter and refuses to respond after several attempts of communication. 

Attached letter sent to Kraken and copy bank receipts of the payments made.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation