vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: OH

Complaint narrative:
Yes they closed my account due too activity. I'm.on XXXX going thru hardship. They also hurt my credit score. Not fair what they did. I would like them too give the credit back too me. Help my score. I was not able too see XXXX due too corona viruses. That's why was not active.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: NC

Complaint narrative:
Today XXXX XXXX me and my fianc visited Bank of America Branch in XXXX XXXX nc To cash our insurance check. We went through the drive through and was told due to the amount we have to come inside and their is an XXXX $ fee. So my husband goes inside and a XXXX woman refuses to cash the check for us because according to her was over their withdrawal limit. We left then tried to call to speak to branch manager got hung up on and then called back over 10x and no answer. So we drive back to that Bank of America I was greeted very hostile by a security guard like they were waiting for us and I was asked Y was I there. I asked for a branch manager was told there wasnt any manager there I advised them a bank or credit union can require identification before it cashes a check. However, if you are at a bank or credit union where the check is from and you show the identification they require, the bank or credit union must cash the check if there is enough money in the account on which the check is written. I told them my insurance uses them for a bank. I was still told they would not cash the check and to go to my bank. Then I meet another customer there to do the same thing and was also XXXX  told me he didnt have an account and no problem cashing his XXXX dollar check. I was racially profiled and denied the cashing of a check from someone who has an account with them. Im looking to file this complaint and after take legal action for discrimination which has been proven in the past that this bank does and thats the reason we didnt want to open an account 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 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BAY VALLEY MORTGAGE GROUP
State: CA

Complaint narrative:
Bay Valley Mortgage Group Inc. dba Pacific Bay Lending NMLS id XXXX was the lender our company submitted a conventional loan too. On XX/XX/XXXX we submitted a refinance in the amount of XXXX with a loan to value of 78 %. The borrower resides full time in XXXX XXXX Arizona. The borrower provided us numerous documents to support this home as there primary residence. On XX/XX/XXXX our company requested an update as to when the LE would be sent out to the borrower. The lender provided us a screen shot of there turn times, along with the date of XXXX they LE would be sent out. Per the disclosure department they claim disclosures turn times are 48-72 hours. This would mean they disclosures should have been emailed out on no later than XX/XX/XXXX. The first area of issue was during this time. The lender tells us the borrower must wet sign them and mail them back to them. BUT our AE, and disclosure team tell us they had to " back date '' the disclosures to insure they were in compliance. This is the first area of business concern we have. Next, was the loan underwriting disposition. On XX/XX/XXXX the lender partially underwrites the file and immediately suspends it over occupancy concerns. Immediately our company asks questions. The lender and there staff refuse to respond and address the concerns. For example, we asked about XXXX XXXX  guidelines, DU approval and the findings and so on. We submitted over 13 different documents to support the loan as a primary residence and this lender demanded XXXX tax returns. We informed the lender the borrower is on a extension and the response was if you can not provide XXXX returns the loan is declined for credit. We attempted to work through this but the lender refused. Finally, after 19 emails, and calls to many higher up people we got a response. The lender countered the loan to 2nd home occupant and the loan rate and pricing would remain the same. Well, then we asked what the ETA was for this correction the the AE and account manager refused to answer. Again we escalated. At this point the lender inserted there legal counsel. Mr. XXXX. He was less than helpful and threatening too. He claim that the senior manager XXXX XXXX just did not want to do the loan unless we provided the returns. We asked to speak to Mr. XXXX and was told he doesn't talk to anyone and will not talk to you. At this point we felt the lender was discriminating against us as a originating party and penalizing the borrower. Also we feel mortgage redlining is involved in this loan too. Our borrower is a highly qualified borrower and ultimately the lender said your terminated we will NOT deal with this loan or your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Granite Edvance Corporation
State: OR

Complaint narrative:
A couple of months ago XXXX informed me of a new debt. I saw there were two debts from a company called : XXXX XXXX XXXX for a total of {$4700.00}. I immediately filed a dispute since they debts are not mine. Unfortunately, the dispute came back from XXXX as accurate information. This urges me to begin considering that this is criminal activity. I do not have these debts. I tried calling the company, but there is only a message that says, " Goodbye ''. The number listed on XXXX XXXX contact form is XXXX. 

I'm convinced this is criminal activity. It's some strange deferred payment loan which I've never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have retrieved copies of my most recent credit report, showing all 3 bureaus reporting. Have have made multiple attempts to have accounts on my report investigated, with no response to date. I have sent letters with specific disputes of those specific accounts dated XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020 ; to all 3 bureaus. I have made them aware of my decision to file a complaint for non-response, and still have not heard, or seen, any difference in those accounts that were challenged. I now look to you to assist the bureaus in meeting deadlines in a timely fashion, so that I may have some resolution to my credit issues. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have retrieved copies of my most recent credit report, showing all 3 bureaus reporting. Have have made multiple attempts to have accounts on my report investigated, with no response to date. I have sent letters with specific disputes of those specific accounts dated XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020 ; to all 3 bureaus. I have made them aware of my decision to file a complaint for non-response, and still have not heard, or seen, any difference in those accounts that were challenged. I now look to you to assist the bureaus in meeting deadlines in a timely fashion, so that I may have some resolution to my credit issues. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
i have file two different disputes one on XX/XX/2020 the other on XX/XX/2020. still have not received anything from the credit bureaus. i understand with the covid19 things are not normal, but i still should have received reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
i have file two different disputes one on XX/XX/2020 the other on XX/XX/2020. still have not received anything from the credit bureaus. i understand with the covid19 things are not normal, but i still should have received reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I agreed to pay off the debt from the debt collection company and did so. I have a paid in full letter showing that I did. I was told it would come off of my report after doing so and it is still there. I would like this deleted, it is currently a problem with receiving aid during this pandemic. I have attached the paid in full letter showing I held my end of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Informative Research
State: GA

Complaint narrative:
The company pulled my credit without any authorization and that company has a lot of reviews that says the same

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I got a debt consolidation loan to pay off my two capital one credit cards. The bank that issued the loan ( PSECU ) did not give me the correct account number and it caused the payment to Capital One to be returned. After getting the correct account number from XXXX ( different from the one they gave me in my online banking ) I made another payment to Capital One. I called Capital One to notify them promptly of the situation. They said it would be ok and that they dont penalize someone for a returned payment. Now, 36 hours later, Capital One closed both of my accounts over this returned payment without consulting with me. I have been a member of Capital One for 14 years without any issues and this account closing will destroy my credit score through no fault of my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
ON XX/XX/2020 XXXX  XXXX XXXX  SHOWED PAID.ON XX/XX/2020 IT WAS REVERSED.CAUSING A PROBLEM WITH XXXX  XXXX XXXX.I WAS UNAWARE OF THIS CHANGE.DID NOT GET ANY NOTIFICATION FROM T D BANK.ALONG WITH OTHER OVER DRAFT CHARGES MADE IT IMPOSSIBILE TO PAY MY BILLS.I ASKED TO SPEAK TO A MANAGER AT THE BANK SPOKE TO A MANAGER AND WAS TOLD NOTHING COULD BE DONE.I CONTACTED T D BANK SUPERVISOR XXXX.EXPLAINED MY SITUATION WAS TOLD NOTHING COULD BE DONE.BASED ON REFUNDS GIVEN EARLIER REFUNDS HAD REACHED THERE LIMITS.IN THE MEANTIME I FELT MY CONCERNS FELL ON DEAF EARS.WHY WOULD A PAYMENT SHOWED PAID ON 1 DAY AND THE NEXT DAY NOT PAID.BECAUSE OF THIS I HAVE SERIOUS PROBLEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
I understand that with covid going on that things have slowed up. I have file disputes and still have not received anything. It's has been past the 30 days limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DEISHCARGED XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$100.00} XXXX   XXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX XXXX {$3900.00} DEPTEDXXXX   XXXX {$4800.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX   XXXX {$1600.00} DEPTEDXXXX XXXX {$4900.00} DEPTEDXXXX   XXXX {$3500.00} DEPTEDXXXX  XXXX {$4000.00} DEPTEDXXXX   XXXX {$7300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One credit cards XX/XX/2020 charged 18.9 % interest, XX/XX/2020 charged 22.99 % interest, XX/XX/2020 charged 22.99 % interest, XX/XX/2020 XXXX interest Company refuses after repeated phone calls to request a lower rate, to in fact lower rates. to accommodate better interest rates, even though the market conditions have improved and better rates are readily available nationwide. Please investigate Capital One for financial abusing clients with EXTREMELY HIGH interest rates during the pandemic. Escalated customer service agent who maintained this obscenely high interest rate is : XXXX from Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
Per complaint XXXX, I am not able to access my equifax reports. The company responded with " Thank you for submitting your complaint the CFPB Complaint Portal. We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. ". The response indicates a clear violation of the fair credit reporting act, provides no remedies to the problem at hand. The company continues to deny access to the credit reports, and has acknowledged it is doing so willfully and on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: HI

Complaint narrative:
This complaint is about Equifax. 
The problem I continue to face with Equifax is the high maintenance and continued effort on my part to ensure accurate reporting reflects on Equifaxs reporting. Equifax is one of three credit reporting agencies that the XXXX People are forced to use and reply on accurate and timely information shared with financial institutions. 
I ran my credit report on XX/XX/2020 as I always do at least once a month since I subscribe to Equifax. I noticed XXXX XXXX XXXX is appearing on my Public Records section of Equifax Credit Report. I did not know who or what business XXXX provides, so I called XXXX to see what this was about. The lady on the phone tell me they are a credit bureau for insurance companies and XXXX provides information to the carriers. why would my carrier call XXXX without calling me first. and I have had life, auto and homeowners insurance with the same company for over 30+ years, and did not apply nor inquiry for any type of insurance. How did this happen. They lady couldnt provide any other relevant information. 
Mostly importantly, why does Equifax post this information on my credit report in the " Public Record '' section of my report. Does this leave a scar on my financial report as being a criminal which I do not have in my entire life. 
Something has to be done with Equifax. I spend many hours trying to keep my credit report in very good standing, and Equifax continues to report falsely reports, and lies about my credit history to keep me from getting financial loans i am a dissatisfied customer of EQUIFAX, and i spend lots of hours trying to dispute many falsely claims on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
I understand that with covid going on that things have slowed up. I have file disputes and still have not received anything. It's has been past the 30 days limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
I understand that with covid going on that things have slowed up. I have file disputes and still have not received anything. It's has been past the 30 days limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 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 did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 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: MI

Complaint narrative:
Hi back in XX/XX/XXXX went to the Mall shopping preparing for a trip overseas and that day was the last time seen my wallet it was overwhelming couple weeks with the coronavirus and my trip to XXXX by the time I got there on the XXXX of XXXX I called my wife asking her if she had seen my wallet with all the credit cards and my driver license she told me no I told her to look again but no luck so I started calling my credit cards company to report my cards lost but who ever found them had already charged a lot of money on those cards in between those cards it was XXXX XXXX XXXX so they investigated the charge first time with no documents they denied it the second time I sent my passport and the ticket and my identity and police report they investigated for a little bit and denied it again I wasnt happy with the results And what the manager Told me first he said the police report was fake and than he said nothing is adding up to the claim And more the card was swiped at that merchant saying that so looked it up it saying the company went bankrupt I call today to see if there a way they can reopen the case again but XXXX said no I cant I mean I got them everything they asked for and still told me nothing is adding up so please help me with this case to get it resolve and it was a big amount they charged that card for XXXX Im on XXXX XXXX now and I cant pay for something that I did not purchase thank you

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