vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, Sage Stream, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am self employed the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I was informed by The XXXX XXXX XXXX XXXXXXXX that I owed on a debt of around {$300.00}. 
I informed them that I did not owe the debt and shortly there after they listed the debt on my credit file in which i sent them a second letter notifiying them that I was not responsible for what they are claiming. 

I then informed them that I would like them to send me any documents that they have, showing that this is in fact my debt that they are reporting on my credit file. and requested written verification. 

they have to make sure i told them that they are reporting information accurately. and when they fail to make sure they have the correct person that they are reporting information on it damages the innocent, such as myself. I have given them more than 90 days to send me written documentation and they have failed to do so. 

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g SEC. 809 ( b ) I AM REQUESTING VALIDATION OF THE ACCOUNT THAT THEY ARE REPORTING TO THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I'm in the process of closing two loans for two prefab homes with 21st Mortgage one is going to be a secondary home. After being completely qualified for the loan because I mentioned my mother in law would be staying in one of the units that loan was put on hold until she submitted an application with 21st Mortgage. She did not want her credit ran because it reduces her credit score. 21st Mortgage said they needed to run it to make sure she did not have a defaulted loan. She did not have a problem with them checking but was forced by 21st Mortgage or they would not give me the loan. To prevent it from happening to me she signed application.

I don't believe 21st Mortgage should hold a loan hostage and force someone to submit an application just because her name was mentioned. My loan should not be used to try and clean up their books. They ran my Mother-in-Laws credit by coercing and threatening to denying my loan if she didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I CHECK MY CREDIT SCORE AND SAW SO MANY INQUIRES THAT I DONT KNOW AND DIDN'T AUTHORIES IT. I TRY CALLING THE COMPANY FROM WHERE THE INQUIRE WAS COMING FROM THEY TOLD ME THAT THEY DONT KNOW HOW IT END UP ON MY CREDIT CAUSE. THAT THEY CAN'T REMOVE IT BECAUSE THEY DON'T HAVE ANY INFORMATION OF MINE. THAT I HAVE TO CONTACT THE CFPB THEY MIGHT HELP. DATES FROM XX/XX/XXXX THROUGH XX/XX/2019

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 2019-07-25 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: CORELOGIC INC
State: NY

Complaint narrative:
I CHECK MY CREDIT SCORE AND SAW SO MANY INQUIRES THAT I DONT KNOW AND DIDN'T AUTHORIES IT. I TRY CALLING THE COMPANY FROM WHERE THE INQUIRE WAS COMING FROM THEY TOLD ME THAT THEY DONT KNOW HOW IT END UP ON MY CREDIT CAUSE. THAT THEY CAN'T REMOVE IT BECAUSE THEY DON'T HAVE ANY INFORMATION OF MINE. THAT I HAVE TO CONTACT THE CFPB THEY  MIGHT HELP. DATES FROM XX/XX/XXXX THROUGH XX/XX/2019 2019

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 2019-07-25 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Citizens Bank of NA failed to report accurately the payment in full of the HELOC account, specifically, the account was paid in full. The debt was set at {$170000.00} on HELOC on the property located at XXXX XXXX XXXX, XXXX, RI XXXX. The house was sold for {$170000.00}, which cover the amount owed. Additionally, Citizens Bank claims a deficiency. The borrower and the bank agreed to a payment of {$1100.00} in lieu of the deficiency. Borrower paid in full as agreed. There is no money owed and the HELOC was paid in full. 
Citizens Bank is reporting that the account was settle for less than the full balance. 
Citizens Bank failed to inform the credit bureaus that the account was paid in full as agreed. Thus, diminishing borrower ability to obtain loans. 
This is a bad faith reporting. 
I ask you that your agency assist me in amending and/or modify the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: OR

Complaint narrative:
On XX/XX/2019 I made one purchase at XXXX XXXX, in XXXX XXXX . The merchant swiped my card 3 times due to a poor internet connection. When I discovered that the purchase had actually been processed 3 times I contacted Bank of America and they removed the 2 extra charges while they investigated the dispute. On XX/XX/XXXX they contacted me and indicated that the charges were substantiated and added back on my credit card bill. At that time I contacted the credit dispute department in XXXX XXXX who informed me I would need documentation from the merchant indicating that these charges were indeed in error. At that time I attempted contact with the merchant and had difficulty reaching her at which time I contacted an acquaintance in XXXX who went to the merchant to discuss the matter. After this visit the merchant provided me with a letter and documentation substantiating that these charges were an error and also documentation that the funds were removed from her account. I then forwarded this information to Bank of America 's dispute department and was informed that the time frame for investigating the dispute had lapsed. I have attempted to contact Bof A with no reasonable response.

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 2019-07-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 Days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. This should not happen because I personally went to the bank and spoke with relationship manager there named XXXX XXXX at XXXX XXXX in XXXX area, and she told me that the bank made an error on Automatic payment form, and when she fixed it there was a double payment made. Also, I'm not sure how I didn't even catch this prior, and my only thought is that my monthly statement did not get to me. Again, this was contested by your own employee that it was an internal bank error.

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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: DISCOVER BANK
State: NY

Complaint narrative:
My complaint involves a charge for {$39.00} posted to my DiscoverCard account by XXXX on XX/XX/XXXX. When I noticed it on my monthly statement for XX/XX/XXXX - XXXX XXXX   XXXX, I expeditiously complained to Discover, which rescinded the charge and asked the merchant for an explanation. The merchant claimed it what for a yearly membership in a free-shipping club -- a service ( which I told Discover ) I did not authorize and never used. And a service that I would not want or willingly agree to. On XX/XX/XXXX Discover reversed the charge as a " temporary credit pending investigation. '' On XX/XX/XXXX Discover  put back the {$39.00} charge, and posted it as a " reversal of temporary credit. '' After I complained again, Discover reversed the charge on XX/XX/XXXX as " an adjustment to your account. '' But on XX/XX/XXXX Discover put the {$39.00} change back again, as a " repost of disputed transaction. '' I again disputed the charge but Discover claimed the charge was " valid '' and refused to provide a specific justification or explanation for that finding : no transcript, no documents. 

The credit card company believes the merchant but provides no evidence or explanation about why it believes the merchant or otherwise finds the charge " valid. '' The fact of the matter is, I did not purchase or authorize such a membership -- it is something I would not do. XXXX sells running shoes ; I am not a runner, and am not a regular online purchaser of shoes ( though I have ordered shoes from XXXX XXXX XXXX ). I apparently did order shoes once from XXXX, for my daughter for her birthday or maybe XXXX, but that was over a year ago, and I did not join a free-shipping club. Discover did not provide any evidence that I did join such a club -- an event that would have been fraudulent on XXXX 's part. Discover and/or the merchant claims that I joined a free-shipping club with an automatic renewal. As I said, I would not have done this -- I never choose automatic renewals on anything : not on magazines, not on charitable contributions, not on memberships in professional societies. 

My complaint is against Discover, with which I do about $ XXXX business every month, and which I expect to protect me against mistaken or fraudulent charges. Discover makes rulings -- perhaps because XXXX gives them much more business than I do -- but does not provide me with a fair opportunity to object to a charge that I never consciously authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I made application for a rate and term refinance the early part of XX/XX/XXXX with Loan Depot. I requested specifically to have my rate float during the process of the loan until the full approval was extended. I wanted to lock the loan no less than 5 days before closing to get best pricing. On XX/XX/XXXX, I get a phone call from the company indicating that they would reduce my rate by .25 % for the fix rate mortgage ( Because the company was great and I should be appreciative ). I said my request was 10/1 ARM with a float ... why would I want a fix and why my loan was locked? They disconnected the call immediately. I called the regional office to get an answer and they indicated someone from the complaints department would call me. XXXX called and left a message ... I returned his call, but he was gone home. He did not called back the next day. I called back the regional office and they are not able to discuss the rates and costs with me. The company via intimidation wants the consumer to take their higher rate and their highest costs. The disclosures received were for 10/1 ARM with a float. I never agreed to have a fixed rate mortgage and never agreed to lock the loan at the highest price. The market conditions changed and the rates have decreased. Loan Depot does not want to give the consumer options. As a knowledgeable consumer, I can not let them abuse consumers with less knowledge. This company is not following Federal Regulation and they are not giving the consumer the best options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: FL

Complaint narrative:
Equifax shared my info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information.

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 2019-07-25 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: WA

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information.

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 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX has filed a non payment derogatory for a debt which is not mine. They claim to be representing the original creditor XXXX SPEEDYCASH.COM XXXX NM The date opened is listed as XX/XX/XXXX for a balance of {$1000.00} ; I have never contracted for any amount of money with XXXX SPEEDYCASH and certainly would not have during that time. The date reported to XXXX was XX/XX/XXXX. I had ignored all previous correspondence with XXXX XXXXXXXX assuming that it was a phishing scam of some sort and did not want to provide them with any additional personal information or acknowledge any claimed debt. I have recently received a similar claim of an unpaid debt from another party ( not related to this instance ) and believe there has been fraudulent use of my personal information resulting in damages to my credit and subsequent unwarranted increased expense in other financial matters. I would like to see copies of any contractual agreements signed by me. XXXX  XXXX filed the same derogatory claim of unpaid debt with XXXX which I promptly disputed. I was notified via email that the dispute had been resolved but was unable to access the outcome on the internet interface. After multiple failed attempts I called the support telephone number as recommended on their website and their customer service representative was also unable to access the dispute records. Worst service I have ever seen, can't understand why any financial institution would use their credit reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received XXXX treatment at XXXX XXXX XXXX in XXXX in XX/XX/XXXX. At the time, I was offered a payment plan through XXXX XXXX. I was told that there was 0 % interest if you paid your balance off within 1 year, and all I had to do was set-up automatic payments to do this, which is what I did. 

I recently checked my account, expecting this to be paid in full. I saw that there were charges being added to my account monthly for " Card Security '' which I never knew about or was told about. This caused my automatic payment plan to not pay the balance in full, resulting in huge interest charges ( including one of over {$800.00}. ) They simply added the service when I signed up. A XXXX search shows this is a common occurrence, with many customers saying they had to call and XXXX XXXX   immediately removed the charges. I did so, and after a typically painful customer service call, they removed the Card Security charges, indicating they knew it's a poor practice and customers aren't aware of it. However, they did not refund me the interest charges caused by the Card Security charges. Now I have a balance of $ XXXX dollars, which is more than I even used the card for originally. I escalated the call to a manager, who was extremely rude and told me I should have checked their online portal and that I should have known the automatic payments weren't going to be enough. However, this is what I was told at the XXXX center where they offered this to me. Of course this aligns to what was discovered in the CFPB investigation in XX/XX/XXXX against CareCredit. https : XXXX This was a totally predatory creditor and now I'm stuck with a huge bill. STAY AWAY from 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 2019-07-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX has wrongfully verified information with the bureaus, multiple times stating that there reporting meets FCRA requirement. Ive received serval collection notices from a company named XXXX stating they that own the debt. As you see, on my report it does not state the account has been sold/ transferred and the balances are also inconsistent. Experian has also told me that they refuse to re-investigate this matter unless I attach documents supporting my claim.

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