vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hello, Someone tried to open a XXXX XXXX credit card and an XXXX credit card unsuccessfully. I have spoken to TransUnion many times and they will not remove the hard inquiries. So spoke to XXXX XXXX and they are saying they have sent for XXXX XXXX 3 letters to remove the inquiry. Reference # XXXX 
XXXX they stated they have sent 4 letters to remove. Ref # XXXX. 
Last letter for XXXX was sent XXXX and XXXX XX/XX/XXXX. 
TransUnion is stating they have not received any of these letters. I am beyond frustrated that TransUnion is unwilling to help remove these two hard inquiries. One was XX/XX/XXXX and XX/XX/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 2020-12-11 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:
I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were two accounts reflecting badly. The accounts are from XXXX XXXX XXXX XXXX XXXX ; The accounts opened with those companies in my name do not belong to me. I did not open any account with either of those companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.

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 2020-12-11 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
BECU has been more than difficult to work with on these erroneous late payments. Ive filed a dispute claim with them already using XXXX XXXX and so far havent heard back. The way the account works is I can only pay my auto loan through the BECU account. Usually they move my funds between accounts themselves to settle the loan. In these instances where I was reported late they didnt bother to do that. At no point, was there any communication with me as to when the payment was due or what the actual amount of my payment is. Their apps and websites show inconsistent funds ( I believe they pull from different systems ), and on top of that, nothing on their app tells me payment dates, or amounts. With a perfect payment history on all of my credit trade lines, I would hope you can see that this is an error on the creditors part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
In my last complaint PayPal completely ignored and did not acknowledge my documents that I have resolved dispute XXXX and the funds were issued back by XXXX XXXX. These funds are sitting with PayPal at a " XXXX XXXX XXXX XXXX XXXX ''. I have made 5 transactions with XXXX XXXX. All 5 of these transactions have this routing number " XXXX XXXX XXXX ''. I have tried contacting PayPal by phone but they have me blocked me from contacting them in their system. I have also reached out to them on XXXX and sent them documents but they ignore me. In my eyes they have no desire in resolving the issue. I'm enclosing documents seeking a professional reply from PayPal to why they can not address this problem or are they just that lazy? 

My documents are as followed : 1. PayPal 's reply ignoring the fact that payment was reapplied in XX/XX/XXXX document which came from XXXX XXXX. 
2. A screenshot of the re-applied payment and it's transaction number " XXXX XXXX XXXX '' for the amount of {$5000.00}. 
3. A screen shot from XXXX XXXX ( XXXX ) expressing her frustration with the lack of effort PayPal has put into resolving this issue. 
4. My XX/XX/XXXX letter from XXXX XXXX on their decision of the dispute. ( page 2 ) WHERES MY MONEY PAYPAL????? 


If you search issues with PayPal they do have a history of stealing money from people. I would like to know PayPal where are my funds? If you think your going to steal {$5000.00} from me your highly mistaken! My next course of action will be to continue to file with CFPB, XXXX and I'm going to get an attorney. I have had enough!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent out a Validation Letter to Macys/DSNB. 
I received a letter stating of an account they have. However they did not validate the account information that i requested. This has shown up on my credit report this has caused me stress and health concerns.

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 2020-12-11 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: CA

Complaint narrative:
I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were two accounts reflecting badly. The accounts are from XXXX XXXX XXXX XXXX XXXX ; The accounts opened with those companies in my name do not belong to me. I did not open any account with either of those companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.

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 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were two accounts reflecting badly. The accounts are from XXXX XXXX XXXX XXXX XXXX ; The accounts opened with those companies in my name do not belong to me. I did not open any account with either of those companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: CA

Complaint narrative:
My credit scores and credit report is not allowing me to purchase a new construction home with my VA Benefits. 
Experian, XXXX and XXXX  are reporting Negative Derogatory items that has been in Charge off XXXX loan and XXXX XXXX XXXX XXXX XXXX. 
Federal Complaints was filed against XXXX and XXXX. 
There is also Unauthorize inquiries on my credit report. 

I can not obtain a VA Loan with the Derogatory remarks on my credit report. 
I have been Discriminated and Retaliated because of filed complaints against financial institutions and Credit Reporting Agencies.

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 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Approximately XX/XX/XXXX I applied through my bank, XXXX XXXX, to refinance my mortgage. I have Credit freezes in place with all 3 credit agencies since I have been in the past victim of identity theft. I lifted the freezes without difficulty on-line with XXXX  and XXXX. However, 6 weeks later, I still have not been able to lift the Equifax freeze. I therefore can not refinance my mortgage. 

I have done the following with Equifax : 1. Tried to get the online account working without success. 
2. I was then requested to mail a request of the credit lift, along with 2 forms of identification which I did. 
3. I was never notified that the freeze was successfully lifted. Equifax states it was lifted, but XXXX was not able to access my credit stating the freeze was still in place. 
4. I went through this process a second time with the same result, it was not lifted and XXXX XXXX again could not access my credit report. 
5. I have tried multiple times to work with Equifax IT to fix my online account unsuccessfully. 

At this time, I have wasted hours and house of my time, XXXX XXXX time, and I STILL HAVE NOT ACCOMPLISHIED ANYTHING AND I CANT REFINANCE MY HOUSE! 

Whats else do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I called Comenity Bank Card Services to validate that my XXXX XXXX XXXX Credit Card would work when used. I was assured that the card was fine and could be successfully used at XXXX XXXX. I completed the call and some 20 minutes later attempted to make a purchase at XXXX XXXX on the credit card. The transaction was denied. 

I completed shopping and eventually called back Comenity Bank Card Services to understand why my transaction was denied after having just validated, nearly an hour earlier, that the card was not locked and available for use. I pressed for an answer as to why my card was denied after being told the card was available for use. The customer service agent informed me that during the prior call the agent inadvertently activated a new card, which had yet to be mailed to me ( the expiration date on my current card was set to expire at the end of the month thus the reason for the new card ). Besides being surprised by what I was told I immediately became more concerned that a new credit card with my name had been activated for use but had yet to be mailed to me. The agent did profusely apologize for the error but could not tell me where the new card was at that time except to say it had not yet been mailed to me. 

This is a serious issue as it exposes me to possible fraudulent activity. Furthermore it exposes a weakness in the systems at Comentity Bank that allow a card, which has yet to be mailed or arrive in the hands of the consumer, to be activated for use. 

This must be a compliance issue and certainly seems to have PCI implications. I have since closed my account with Comentity Bank but this is a serious problem. The ability for Comentity employees to activate cards which have yet to be mailed to a consumer is a weakness in their system. I suspect it was an honest mistake but the problem exposes a hole that can be exploited if so desired. People should think twice about choosing a card from a merchant that is issued by Comentity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
According to Trans world system I owe XXXX XXXX for an account that was opened 5yrs ago. I have only had XXXX XXXX as an electric company for the last 2yrs. Before then I lived in XXXX and had not had to use an out sourced electric company. I called Trans world system and was hung up on when I asked what I was being charged for. I then called XXXX XXXX was was told they wouldnt give me any information and when I asked for proof that I signed an agreement or contract the representative laughed and stated that they dont need me to agree to anything in order to start charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity bank / XXXX acct number XXXX. I have not gotten my mail statement for 2 months now. Last month they waived the late charge fee..this month they refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX Complaint Case XXXX Summary of Complaint : XXXX refused to refund a charge after the host had agreed to cancel the reservation and XXXX admitted there was a system glitch. After filing a dispute with our credit card issuer, Bank of America ( BofA ), and following their dispute resolution procedures including responding to the subsequent letter asking of additional information which we submitted on XX/XX/XXXX to the XXXX XXXX XXXX, in XXXX XXXX TX, BofA still declined our claim for not receiving our letter and despite our initial explanation when we filed the claim which included the accompanied attachments to this complaint. 

Detail Explanation : During the CA fires, my daughter had to evacuate her home as the smoke was exacerbating her respiratory conditions. She booked a place though XXXX for XX/XX/XXXX through XX/XX/XXXX. Upon her arrival, the place was not ready and beds were not made, bath towels on the floor and dirty dishes in the sink. Upon contacting the host XXXX, she agreed to refund and asked XXXX to contact XXXX  ( communication shown in the attached ). XXXX my daughter contacted XXXX cust service who admits that there was system glitch and even asked for XXXX to show her hotel bill where she had to go showing the invoice she had to pay to spend the night. ( copies of the communication were also sent to BofA ). When XXXX replied that they would not refund, we filed the claim with BofA and provided the attachemnts. To our surprise they decliend the claim saying that they never received the additional info which we mailed before their XX/XX/XXXX deadline. 

Insutl over injury and a real shame that BofA and XXXX would take advantage of someone evacuating the area and not only charging one night but the entire stay when it was them who did not have clean but rather an dirty room. 
We appreciate the Bureau 's and BofA complaint response team for reviewing and helping us solve this complaint. 
All the Best XXXX and 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 2020-12-11 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: FL

Complaint narrative:
Good evening, I submitted a complaint to resolve an issue with my mortgage company XXXX XXXX. I did not make a late payment in XXXX. I have made disputes with equifax, XXXX and with the mortgage company. XXXX XXXX realized where the missed payment report fell through the cracks. I did not miss a payment with XXXX XXXX and have been making my payments on time before and even after the month of XXXX. XXXX  has removed the late payment record of XXXX XXXX from my report. I am asking for Equifax to do the same. Please understand this unique circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I never attended XXXX XXXX XXXX, the loans were originally in my sons name. He was changed from 'Signor to to co Signor ' though they cant produce those documents. Ever since it went to Navient it is laughable. They 'Sallie Mae ' changed myself to student and 'Signor ' Which I never was. Now as a retired man at age XXXX they continually call and send letters ( even after we pay the agreed amount ) and cuts into food, but also still say work with us and add to monthly payments as both my wife and I are retired ( 2 months ago ) she is going through XXXX for CLL and has been and they continue the " Brute Tactics '' Claiming pay more a month! They were completely 'Libel for Predatory loan practices as I was a co-signer but decided I was it because I had a job ' the whole loan should be removed and expunged as I was never a student. They also say well your retired that You know have more money to increase payments and the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
GAP insurance provider unable to provide GAP insurance contract

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 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C
State: NJ

Complaint narrative:
Stenger and Stenger filed suit against me in XXXX XXXX XXXX Court. I contacted them and explained I never had this account. They forced me into a payment agreement so I could have time to correct this before the court case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I have attempted three times to request an escrow analysis from Amerisave. Every time I get a different answer. My total expenses for property tax and homeowner insurance is {$6900.00} and they are collecting {$950.00} each month totaling {$11000.00} annually. My current escrow has a balance of {$5200.00}. This means by the end of XX/XX/XXXX my escrow balance will be {$9600.00}. 03. I have called the following times : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Every time I get a different answer stating they will complete an analysis until today XX/XX/XXXX when I spoke to XXXX who states I have to call back XX/XX/XXXX to request the analysis. 

I need to find out what my legal recourse is to solve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: GA

Complaint narrative:
I have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted!

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 2020-12-11 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:
I've been trying to dispute this account with the 3 credit reporting agencies for the last 2 years. I reached out to the company reporting the debt XXXX and I requested proof of debt verification. XXXX sent me a letter and a contract about the purchase of a cell phone under a XXXX account that was signed for by another person. The account is showing under my name but it was not a transaction that I authorized and it is not my signature on the document. This entire situation penalizing me for fraudulent activity and is making it hard for me to get my approval for my first home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief