vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 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: FL

Complaint narrative:
There are accounts that are being reported on my credit file that I have never approved of. I am so confused on how something like this could happen. I am the only person who is authorized to use my credit and I have not given authorization to anyone else. Please look into this issue and have these files taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I had XXXX XXXX XXXX that I terminated when I moved in XX/XX/XXXX. Per XXXX XXXX instructions, I placed their modem in a pre-addressed box and shipped it back to them. They later informed me they had not received it. In XX/XX/XXXX, I spoke with a customer Support agent to verify that they had received it. I did not receive any additional communications or bills from XXXX after that date so assumed everything was resolved. 

This month, XXXX of XXXX, I received a notification that a collections had been placed on my XXXX and XXXX  credit reports by IC Systems. I have not received any communications from IC Systems. When I called IC Systems they informed me that the collections was in fact for the unreturned modem, and that they had been sending letters to the address provided by XXXX, where I lived up until XXXX of XXXX. The agent then told me they can not offer any resolution then abruptly disconnected from the call. Of course I never received these letters as they were sent to my old address. 

I checked and my current address is accurate on both my XXXX  and XXXX  credit reports, so would have been available for IC Systems to reference. 

Not only was this debt previously addressed with the original company, XXXX, I received no communications neither from XXXX nor IC Systems informing me they still considered the debt to be outstanding before it was reported to Credit Bureaus.

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 2021-02-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There was an inquiry on my Experian credit report from XX/XX/2020, that was a result of identity theft. I discovered this during a review of my credit report. I called Experian and they told me to contact the reporting company. I immediately put a freeze on my credit reports. I called XXXX who made the inquiry and was told that the inquiry was from XXXX XXXX. I spoke to the dealership manager who told me about the applicant who applied for the credit. I verified my information and proved it was not me who applied for the credit. I spoke to XXXX and was told to file a police report and a report with Identitytheft.gov. I did both of these and emailed them the reports asking them to remove the inquiry from my credit report. 

When I spoke to XXXX at XXXX today, she told me that they now require me to send them a copy of my social security number, my driver 's license, and a copy of a utility bill. I told her that they never requested that information before and asked her if I sent them the additional documents if they would immediately remove the inquiry from my report and she was not able to guarantee me that they would. I told her that the information they are requesting is very sensitive and I do not feel comfortable releasing this information to a company that has not been authorized to receive this information and they could use it to further steal my identity now that they have a copy of my social security card, driver 's license, and utility bill. How can I be sure that they are not part of the identity theft scam? 

In essence, I told her that they are re-victimizing me by refusing to remove a fraudulent inquiry in spite of proof from a police report which they requested.

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 2021-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
I purchased a XXXX XXXX  XXXX  from Honda financial services back in XXXX and had one late payment in XX/XX/XXXX. In the 7 years I've been with them I've only had one late payment, I've sent out goodwill letters in XXXX and XXXX to forgive my late payment and I never received any information from them. I recently called and the representative said they came up with their decision back when they received my letters but I was never notified of any decision until now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: U.S. BANCORP
State: NV

Complaint narrative:
My XXXX XXXX  - XXXX  XXXX  XXXX was closed due to me paying with a new added savings accounts and radius couldn`t verified the name for ownership and crazy enough closed my account for just adding a new bank account to pay off the card completely without giving me a call or chance send in any kind of proof of ownership verification of the new 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
Consumer complaint received 2021-02-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After getting a copy of my Equifax credit report ( credit report number XXXX ) I called customer services Today, XX/XX/XXXX at XXXX XXXX Pacific time to initiate a dispute for hard credit inquiries that I did not recognize : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IXXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX -XXXX XXXX XXXX. 

I don't think it is unreasonable to ask for an investing since the companies have no record of the inquiries and none of these companies are listed with accounts on my credit report. It is also my responsibility to check my credit frequently for potential errors. 

I had a very confusing phone call with a super visor at Equifax that told me that it is Equifax policy not to investigate credit inquiries and that the inquiries are a fact of record. Well, what about all the credit information on my credit report? Does that mean none of the other information can't be disputed even if there is an error? I was under the impression that any information believed to be inaccurate can be disputed? I ask all this questions to the Equifax super visor and was only told that Equifax does not dispute credit inquiries. I was stunned to find out that the rules in the FCRA dont seem to apply to Equifax and that the company can set its own policies/rules for credit reporting. All this is very surprising to me coming from a company that had a data breach as recently as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In in XXXX of 2021 my car my wallet and basically everything XXXX own was stolen. My Bank of America prepaid card was charged several times that day for a number of different things depleting my current balance. I then proceeded to call Bank of America to have a claim filed. After receiving my new prepaid card, and successfully using it for two days it was abruptly closed. Bank of America representatives told me that EDD had frozen the new account while the investigation was underway, but upon speaking to EDD several days later as the call volume has been so high they surprisingly told me that they hadn't taken any actions against my account, and as far as they know nothing on their end was done. I desperately need access to these funds. Unemployment is my only source of real income at the moment, so this stoppage in my ability to use them has been crippling. Repeated articles have come out regarding the topic against Bank of America

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 2021-02-04 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: NJ

Complaint narrative:
I have not been notified or updated regarding my investigation results.

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 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I requested my home mortgage be place in coivid forbearance in XXXX of 2020. In XXXX I reached out to Citizens One asking them to cease the forbearance and add the missed payments to the end of the lifetime of my loan and have my normal payments resume in XXXX. 

They told me it would take 45 days to process this request ( while my other back took 2 days ). I called back after 30 days and it was still processing. At 45 days it was still processing. At 60 days it was still processing. It took THREE months in total for them to approve the shifting of the payments to the end of the loan.

In the meantime I was being told I had to stay in forbearance or they threatened to report the missed payments to my credit, thus I could not resume normal payments. Even if I wanted to pay the mortgage-I was being threatened not to. 

On XXXX, five months after my initial request to end my forbearance, I was approved to defer the remaining payments to the end of the loan. 

I made my XXXX payment only to find that they applied it to the previous XXXX instead of XXXX. When I called to correct this and ask why my balance still showed as owing all the back payments, they informed me it would take several months for the " back end team '' to bring my statement up to date-thus DESTROYING my ability to apply for car loans, refinancing, credit cards, given it appears Im {$6500.00} behind on my mortgage.

Im still being told Im in " forbearance ''.

Based on their dates I now will have in total been forced into six months on UNREQUESTED, THREATENED forbearance I never needed or wanted. 

I do not understand the fraudulent, nefarious reasons for these delays by citizens one, but it is NOT in alignment with the intent of the COVID relief act and appears to be putting tens of thousands of borrowers like myself into potential financial jeopardy. 

I would like my account to be immediately set to the correct balance under the terms of their deferment plan and I would like all forbearance to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Possible Financial Inc
State: CA

Complaint narrative:
This complaint is by me XXXX XXXX for the record being that Ive disputed this account with XXXX  and it came back as them thinking its from a third party which its not. I will attach documents showing to prove it is myself along with a picture of me. Again i am disputed this account fir the inaccuracies and violations which I would like for it to be removed. Below will be my reasonings As Ive previously stated before this was thought to be a third part Ive looked over my personal credit report and possible finance is reporting inconsistent and inaccurate reportings which is in violation for reporting wrong information on my credit report which is greatly affecting my score. Attached to this claim will be the proof showing that the inconsistent reporting to the 3 credit bureaus with the high balance being different on all 3 bureaus, inconsistent last payment, account status, and date reported. The date of last activity for example on experian shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX and XXXX  shows XX/XX/XXXX. This is ILLEGAL and a violation with the FCRA by all the account has been re aged which is a Violation of {$1000.00} per violation which possible is in 4 violations by all information being submitted to the credit bureaus must be 100 % accurate. If all 3 credit bureaus are getting their information from the same creditor how is it that theyre all reporting different information? This account also is in violation with the FCRA by reporting late payment when the collection account is closed. It can not be late unlike open ended accounts. As listed with experian and XXXX  by reporting the Account 120 days late but at the same time as charge off which is another {$1000.00} fine. I plan on collecting my funds due to multiple violations if not settle d. The attachment will show the violations circle in highlight

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I had unauthorized charges of {$1000.00} on Venmo. I contacted the company the day the charges appeared ( XX/XX/XXXX ). The company then said I owed for the charges ( XX/XX/XXXX ), but I explained that the unauthorized charges {$1000.00} are not my responsibility. Those charges are the responsibility of VENMO. U.S. Electronic Funds Transfer ( Regulation E ) provides protection from consumers like me who provided timely notice of the unauthorized transaction. Reg. E. states " If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution. '' On XX/XX/XXXX, I was contacted by VENMO Collections and told that I owed {$1000.00}. I told them that I did not owe the amount. I stated that I had contacted VENMO immediately after the unauthorized transactions and that I am not liable for any amount greater than {$50.00}. I further warned VENMO that it is in violation of Regulation E by reporting this item to " Collections. '' I asked them correct this matter by the end of day on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
they say i owe {$100.00} dollars to XXXX XXXX. my car was repoed i call XXXX and told them i need to cancel my car insurance. they ok no problem thank u for calling your policy is now canceled. now i have been getting phone calls i mean 6 times a day from this collection place im getting letters from this place. all the time. they hurt my credit score put as a non payment on my credit. the name of the collection place is portfolio recovery. phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: VA

Complaint narrative:
XX/XX/21 I go

t alerts from all 3 Transunion, XXXX, XXXX  I had a {$1000.00} CHARGE OFF and that is INCORRECT! It also damaged my credit reports ( plural ) and lowered my score that Ive been building back UP. This is LAST thing I need. This FALSE information as I am CURRENT and have not been late. No explanation other than an internal error. Insisted I get in writing they reported FALSE info.

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 2021-02-04 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: VA

Complaint narrative:
XX/XX/21 I got alerts

from all 3 XXXX, XXXX, Equifax I had a {$1000.00} CHARGE OFF and that is INCORRECT! It also damaged my credit reports ( plural ) and lowered my score that Ive been building back UP. This is LAST thing I need. This FALSE information as I am CURRENT and have not been late. No explanation other than an internal error. Insisted I get in writing they reported FALSE info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/2020, I tried to redeem my American Express membership rewards points for a flight reservation through the American Express travel portal but the points redemption didn't go through. Upon chatting with a representative, I was advised that my membership rewards account has been flagged for review when I tried to redeem my points and that this process can take 6-8 weeks.

It's been 8 weeks and my account is still under review, I'm not able to use my points. It's worth noting that I didn't receive any signup bonus that needs to be reviewed to determine my eligibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am writing regarding my Commenity XXXX credit card. 

On XX/XX/XXXX, I paid off the complete balance on this card, which was {$63.00}. On XX/XX/XXXX, I received my new billing statement from this creditor. I was very amazed to see my new purchase charges are now {$310.00}!! The last time I used this card was early/mid XXXX, XXXX. I have not since, nor has anyone else, used my card. Understandably, I was upset, and called Commenity/XXXX as soon as I could, the next morning ; XX/XX/XXXX. I spoke with them and they canceled my card and opened a dispute. However, I was informed, the dispute could take 30-90 days. I am currently trying to purchase a home. My Mortgage Officer, as I just called him, can not give me the pre-approval letter I need for my home purchase until the dispute is resolved/closed. I can not afford to wait 30 days, let alone 60 or 90!!! I really need this resolved immediately and appreciate any assistance you can give. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was supposed to receive a new corporate travel credit card, a Visa card through US Bank, in the mail and it was accidentally sent to my old address ( address I lived at 5 years ago ). Somehow the card was intercepted or stolen. The person who stole this card must have also looked up information about me, because they called in to activate the card and set up a PIN number, using the last four digits of my social security number. On XX/XX/21 at XXXX, they then went to a US Bank at XXXX XXXX XXXX , XXXX XXXX , XXXX, and attempted a cash advance of {$1000.00}. That was blocked. They then tried a cash advance of {$500.00} and it was successful. Apparently they also called into the credit card company pretending to be me and tried to get the card unblocked. On the morning of XX/XX/21 I received an email from my corporate finance office that they received an email from US Bank that there was suspected fraudulent activity on my account. I immediately called in, we cancelled that card, they updated my address, and they sent me a new card. I also ask that each time I call in they ask for another identifying information this person wouldn't know, such as my employee number. Because they told me that this person may have personal information on me, I also immediately put a freeze on all my credit reports so that they would not open an account in my name. I have also changed passwords on all my other accounts, and have been monitoring them regularly. So far there has been no other suspicious activity on any other account. A few weeks later, I got a letter from US Bank denying my fraud claim, and holding me responsible for the {$500.00} cash advance. They have told me I have no recourse. I would like to add that I have never used this card for a cash advance, I only use this card for corporate travel which I have not done in over 1.5 years. I also don't use this card in my hometown, except for maybe rides to the airport, as it is a corporate travel card. I have no pattern of this type of use, although the claim rejection letter said that their decision was based on the location and pattern of use.

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 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The very same day I send a complaint to cfpb my score with equifax drops significantly! No explanation no alerts even though I do have a membership. How on earth does it make sense just so happen the same day my scores drops 69 points while all my other scores are rising. How is there a 123!!!!! Point difference in my other two scores. Please make it make sense Im so tired. Ive been barreling these mistakes from my past for years waiting, paying, crying. Nothing helps because of things like this. Is it even possible to recover Ive searched high and low on how to fix things I have 1 % credit card ratio, on time payments on 17 accounts continually reporting. Paid installment loans like where does it give where where where?

Company response to consumer: Closed with explanation