vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX/BBVA XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: PNC Bank N.A.
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, PNC BANK add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: CA

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this negative reporting is harming my credit score and the line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
This complaint is regarding navy federal credit union. Im proceeding with this complaint because theyre having serious calculation issues. My deposit amount dose not match my expenditures and the total amount of my deposit is incorrect. My account is saying I have a negative balance when after calculating my expenditure, it shows a difference of almost {$300.00}. The nearly {$300.00} is money that is being held from me for reasons unheard of. The company also has an appalling hold message that should be considered as harassment as well as terrible customer service ; also harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: NY

Complaint narrative:
I sent a letter to each Bureau on XX/XX/2020 and I have yet to receive any information about the results. it is my understanding that Transunion, XXXX and XXXX  have 30 days to respond. It has now been over 60 days. I would like my results as requested because they are breaking the laws. the FCRA clearly states that I must have an answer or they must comply with my request.

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 2021-02-08 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: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
Easter Accounts Services are reporting a fraudulent account on my credit. I dont know what this account is as i never received services with this company. I am not responsible for the {$80.00} as the service werent incurred by be. Please remove this account from my credit. Please see the attached Federal Trade Commission report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: FL

Complaint narrative:
On XX/XX/2020, I sent letters to the consumer credit reporting bureaus regarding inaccurate and unknown information on my consumer credit reports. The following items are reporting as shown : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not yet received a response even though it has been over 30 days. I feel as if I'm being taken advantage of and my disputes are being ignored. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, my reputation and creditworthiness are being damaged. Section 611 ( a ) ( 5 ) ( A ) ( i ) in the FCRA clearly states that a failure to investigate the items being disputed within 30 days and provide the information I have requested gives reason to immediately remove those items from my credit report. It is now over 30 days and the items in question should be promptly deleted from my credit report. I demand that these erroneous items are deleted immediately from my credit reports or I will file for litigation due to the stress that I have endured and their failure to comply with the FCRA. My information has been impacted by the XXXX data breach. I have attached a copy of the letter I sent.

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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My loan was transferred to LoanCare. I received a notification from them that the loan was transferred. I have been trying to contact them for over 4 weeks now. My account was supposed to be transferred in XXXX. My upcoming payment was XX/XX/XXXX. My account has not been transferred and its XX/XX/XXXX. I have been consistently calling the LoanCare company and have had zero responses. First the transfer date for the account was XX/XX/XXXX, then it became XX/XX/XXXX, then XX/XX/XXXX and then XX/XX/XXXX. And now I am being told that I am going to get a late fee. The automated messaging and the time to reach a customer service is closer to 20 mins - 30 mins. 
This is insane! I have zero answers so far as to when I will be able to create an account and pay my mortgage.

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 2021-02-08 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:
Experian has a credit card account from XXXXXXXX XXXX listed on my credit report which does not belong to me. I checked with XXXX in early XXXX of 2021 and they have no record of a credit card account with my social security number. I disputed the account with experian in XXXX and they did not drop it from my report. I disputed it again because it is inaccurate and received a denial again today. I do not know who the account belongs to but fortunately it does appear to have been paid every month.

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 2021-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MN

Complaint narrative:
All of 2020, I was attempting to work with Sallie Mae regarding a payment plan to help my son and me during the pandemic. Sallie Mae 's systems messed up my payments three times. First, it had the wrong zip code as my credit card. Then, it was kicking my credit card out, and wasn't taking my payments. Finally, I just learned that one loan was setup for auto-debit but not the other one. I spoke to Sallie Mae on the phone to set up auto-debit. Had I not looked it wouldn't have been set up for the other account. This would have resulted in more negative marks on my credit just as last year!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 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: NC

Complaint narrative:
Card was opened in someone else 's name and has me as an authorized user. 
XXXX XXXX  was the card issuer, XX/XX/2019 when it was opened. 
XX/XX/XXXX when closed. 
XXXX dollars was 30 days late and card was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: MS

Complaint narrative:
I have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... nothing about this account is ACCURATE! It is affecting my ability to borrow money.

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 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
Hello, My complaint is regarding Discover credit. I have been a Discover customer since XX/XX/XXXX and my account has always been in good standing. The past year dealing with the COVID-19 pandemic has proved to be difficult for my family. One of main things we have relied on during this time of uncertainty and unexpectedness was my Discover line of credit. My credit limit, continues to be lowered without my notification after 'reviews ' are done my account which I could have opted out of. I was not made aware that I could opt of these auto-reviews until today. I recently made a significant payment on my Discover account on XX/XX/XXXX of {$7000.00} and plan to do again in a couple of months. In the meantime, since then, my credit line was decreased to below $ 10k and then increased a couple hundred dollar in XX/XX/XXXX to {$10000.00}. 

In the past my credit line was {$13000.00}. This lowering of my credit line has brought my credit score down as which is very frustrating and makes it impossible to have this reversed in my time of need during COVID. All I am asking of Discover is to give me the respect of re-establishing my credit line to $ XXXX $ XXXX which is completely fair given my payment history. at the VERY least, I am asking that my credit line be returned to $ XXXX which is what it was a couple of months ago. It is disheartening that this company if making it so difficult to make this change for me. I was on the phone today, Monday XX/XX/XXXX, during my work day for an hour and was transferred between three different departments. The last department I was transferred to a gentleman named 'XXXX ' who is an account review analyst, not even a manager, and he was the least helpful of all. I have no other resource than to report my experience here. I vow to end my credit relationship with Discover as soon as we are able to do so and fully recover from this pandemic. All I have asked is during this time of COVID that Discover not lower my credit line especially after I went through this with them this past XXXX at the beginning of the pandemic. Thank you very much for your time and consideration with this matter. 

Sincerely a frustrated customer, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: B&B Funding, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX hold my mortgage currently and have a current lien on my properly for the total amount of {$200000.00} : XXXX XXXX : acct. # XXXX XXXX XXXX XXXX . 
XXXX, CO XXXX I am a senior citizen and own my home here since XXXX. Beginning in XXXX, a 3rd party, XXXX  XXXX , representing XXXX XXXX XXXX XXXX XXXX has demanded I wire his company {$72000.00} IMMEDIATELY OR HE WILL FORECLOSE ON MY HOME ON XXXX XXXX. He has added interest in the amount of {$5400.00} to the {$67000.00}. THAT XXXX/XXXX STATES TODAY THEY STILL SERVICE UNDER THE ABOVE ACCT. #. 
{$140000.00} + {$67000.00}. = {$200000.00} -- THE VERY CURRNT BALANCE OF THEIR LIEN. 
XXXX of FIRST AMERICAN XXXX, LLC continues to HARASS & THREATEN ME to " wire {$72000.00} TO STOP IMMEDIATE FORECLOSE OF ( MY HOME ) XXXX XXXX XXXX XXXX, CO XXXX. '' XXXX/XXXX/XXXX advises me NOT TO PAY HIM & TO CONTACT XXXX. Please contact me ASAP : My direct contact info is : XXXX ( BEST ) XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MN

Complaint narrative:
Ive been a satisfied customer of Chime for many years. However I recently asked them a question, regarding my account, because there was a login I wasnt sure about. There has been no fraud on my account. Instead of answering my question, or giving me advice, they simply suspended my entire account. That includes both my Spending and Checking account of over {$13000.00}. I could have just asked for a new card in the app, but feel I was punished for reaching out to them instead. I have no other access to any other money. I cant buy food, pay bills, pay for any living expenses. 
They did ask for a copy of my gov. ID, and also a picture of me holding it. I do normally feel that is an OK request to make. However right now I dont have my ID, and I need access to my money right now. This is an emergency. I have gave them a bunch of my work pay stubs, 4 years of my W-2s, my unemployment tax information, copies of my insurance card, my actual chime card, my work ID. I gave them all the information about me that I have. Everything I can to prove my identity. Right now they are not even returning my emails, or giving me a call. They are not working with me at all. I dont have any money without access to my account. Its an emergency situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions

Complaint narrative:
Rent Recovery has an debt amount of XXXX owed in result of an identity theft for XXXX XXXX XXXX. The amount comes from XXXX And Im just becoming aware of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Date:XX/XX/2020 Amazon Store Credit Card ( Synchrony Bank ) Store Mattress Firm Matress damaged & Bad quality DeliveredXX/XX/20 & Next day XX/XX/2020 disputed to Credit card Co.Amount is {$270.00}

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 monetary relief
Consumer complaint received 2021-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Were in the process of refinancing our home mortgage. There is a pre-existing, zero-balance HELOC that the new lender is seeking to subordinate to its loan. I have contacted my bank, HSBC, and was advised by its Special Loans group ( approximately XXXX2021 ) that the only way to get that done was to email XXXXXXXX XXXX to request that it be done. I made repeated requests by email with no response. Ive supplemented that with calls to the Bank itself, who, no surprise, disclaims any ability to do anything. 

The refinancing is important to my wife and me, and this lack of accountability and responsiveness can not stand. Appreciate any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: MS

Complaint narrative:
I have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... nothing about this account is ACCURATE! It is affecting my ability to borrow money.

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 2021-02-08 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: MN

Complaint narrative:
I paid a seller online with my Capital One Visa credit card. It turned out to be a fraud. The seller shipped fake shoes to me instead of the XXXX bag I paid {$2700.00} for. I find it appalling that XXXX could have refunded my money, but because of CAPITAL ONE and VISA, I am scammed out of {$2700.00} before they chose to side with the scammer instead of me, their customer. This is ridiculous. I am trying to recover my funds and Capital One has so far been no help. Attached, please find a response from XXXX. I am going to have to bring a lawyer in and continue this fight to get my money, if this is not resolved. I have lost all faith in Capital One and will be canceling my cards with them. Since they clearly can not have my back in a case of fraud, instead they chose to side with the scammer. Be wary of using your Capital One cards with online sellers. If things go wrong, Capital One will never protect you. I've reached out to XXXX on this and they referred me back to my card issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX sent me a payment reminder notice datedXX/XX/XXXXstating that I missed my XXXX payment. I called the customer care number listed on the statement 7 times and was unable to get in contact with anyone about this. Their automated system states that the payment was processed on XX/XX/, my bank statement says it was processed on XX/XX/XXXX, but the letter that they sent states they did not receive the payment and charged a late fee to my account on XX/XX/XXXX. The payment was sent, received, and processed. I've repeatedly tried to contact them about this but the automated system they are using does not even have an option to speak to a customer service rep, or issues with payment processing. I would like them to correct their mistake about the missing payment, send me an updated statement indicating that they have received the payment ( their automated system says they received it on XX/XX/XXXX ), and remove the late payment fee from my account.

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