vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
There are 3 accounts that are being reported inaccurately. I reached out to the companies in writing XX/XX/2020. It is now XX/XX/2020 and they never responded in accordance to FRCA guidelines. 
1. XXXX Charge off 2. XXXX XXXX - 60 day late never been more than 3 days late 3. XXXX XXXX- 30 days late not true they fixed it but have not updated with credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I previously owed credit acceptance XXXX. Now I owe them XXXX but if the account is charged off I wan na figure out why interest is still being added to the original debt.

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 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX credit card using the XXXX XXXX XXXX website ( XXXX XXXX XXXX  ) that took me to Synchrony Bank Application XXXX https : //etail.mysynchrony.com/eapply/eapply.action ) that I completed on XXXX XX/XX/2020. My application was not approved the same day. This is the first time in my life that I did not have credit approved. My XXXX score on the date of application was XXXX XXXX from XXXX ). 

I followed the instructions on the XXXX XXXX XXXX website and unfroze my XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX ) for this application. There is no listing of XXXX XXXX. 

On XXXX XX/XX/2020 I received the Synchrony Bank credit rejection letter dated XXXX XX/XX/2020. On this letter it was stated that my rejection was based on report provided by XXXX XXXX. 

I tried to contact XXXX XXXX via their telephone unsuccessfully. I tried to obtain my credit report via their website XXXX XXXX XXXX XXXX XXXX and was not able to via the reference numbers of the Synchrony Bank credit rejection letter.  XXXX XXXX was requiring me to enter my personal information which I am not going to do. 

I believe that I was treated unfairly as Synchrony Bank as they used a secondary source to deny me credit as I have a strong credit history of over 40 years with no credit issues. I believe that my application was not approved because I do not carry any balances on my current credit cards and that Synchrony Bank uses the outstanding balances as a revenue source and that I would not be revenue source. 

Thank you, 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 2020-10-17 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: TX

Complaint narrative:
The Accounts on my credit report XXXX  XXXX XXXX  XXXX  Account # XXXX and XXXX XXXX XXXX Account # XXXX are fraudulent account i will attach an FTC report to this complaint and a copy of my identification and a bill with my current address

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 2020-10-17 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: MO

Complaint narrative:
In XX/XX/XXXX I applied for house loan, preapproved with {$200000.00}. Only changes made to my credit report was a Bankruptcy fell off XX/XX/XXXX, Equifax and XXXX   both added 56 points to my credit, then 2 weeks later removed the 56 points and XX/XX/XXXX, I reapplied for house loan, with same banks XX/XX/XXXX   XXXX XXXX/XXXX  XXXX, and was denied by both, XXXX  and Equifax claiming that I have derogatoriness against my credit report and XXXX score, while XXXX  has no problems and I have XXXX score. I called today, XX/XX/XXXX to Equifax, they claim I have good credit and do not see derogatoriness, and would not discuss the 67 points they removed after my bankruptcy fell off XX/XX/XXXX. He would not tell me my current score, but recommended I talk to their credit advisors XXXX, who do not answer and automatically disconnected. I have been paying all my bills on time, and only have 1 credit card with low balance, they claim I am 20 % in debt, I owe less than {$800.00} with a credit of {$15000.00} left. They just claim that 5 hard inquiries dropped my score, which I would not have had 5, had they not XXXX up my credit scores in first place. I am ready to buy house and can not get loan! Every month XXXX keeps dropping my score -2 points XX/XX/XXXX, XXXX -XX/XX/XXXX XX/XX/XXXX -5 XXXX No score chg, XX/XX/XXXX -3 ptsXXXX -XX/XX/XXXX pt XX/XX/XXXX -XX/XX/XXXXpts, without any reason, XX/XX/XXXX +XX/XX/XXXXpts for bankruptcy falling off after 10 yrs, no other changes prior except XX/XX/XXXX XX/XX/XXXX pts. My bills are all paid on time. No problems, other than XXXX  and Equifax have illegal practices going on!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 2. XXXX  - AUTO FINANCE & XX/XX/XXXX 3.  XXXX  - AUTO FINANCE & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX  XXXX  XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be  liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened new checking and saving accounts. Each time I try to fund the accounts the transaction is canceled. Ive tried funding from two different accounts. The first time I was told they couldnt verify I was the owner of the funding account. I was told by the Chase CSR to fund from a different account. I did so and those transactions were canceled and my online account access has been blocked until I go back into the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: GA

Complaint narrative:
To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX & XX/XX/XXXX 2. XXXX XXXX & XX/XX/XXXX 3. XXXX  XXXX & XX/XX/XXXX XXXX XXXX XXXX  & XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be  liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : Inquiry Removal Letter 2 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX 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 2020-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XX/XX/XXXX I applied for house loan, preapproved with {$200000.00}. Only changes made to my credit report was a Bankruptcy fell off XX/XX/XXXX, XXXX  and Transunion both added XXXX points to my credit, then 2 weeks later removed the XXXX points and XX/XX/XXXX, I reapplied for house loan, with same banks XXXX XXXX XXXX Bank, and was denied by both, Transunion and XXXX  claiming that I have derogatoriness against my credit report and XXXX score, while XXXX  has no problems and I have XXXX score. I called today, XX/XX/XXXX to XXXX, they claim I have good credit and do not see derogatoriness, and would not discuss the XXXX points they removed after my bankruptcy fell off XX/XX/XXXX. He would not tell me my current score, but recommended I talk to their credit advisors XXXX, who do not answer and automatically disconnected. I have been paying all my bills on time, and only have 1 credit card with low balance, they claim I am 20 % in debt, I owe less than {$800.00} with a credit of {$15000.00} left. They just claim that 5 hard inquiries dropped my score, which I would not have had 5, had they not XXXX up my credit scores in first place. I am ready to buy house and can not get loan! Every month Transunion keeps dropping my score XXXX points XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX No score chg, XX/XX/XXXX XXXX XXXX XXXX pt XX/XX/XXXX XXXX pts, without any reason, XX/XX/XXXX XXXX pts for bankruptcy falling off after 10 yrs, no other changes prior except XX/XX/XXXX XXXX pts. My bills are all paid on time. No problems, other than Transunion and XXXX  have illegal practices going on!!

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 2020-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
To whom it may concern : We recently contacted our Mortgage company on XX/XX/XXXX of this year XXXX. I needed my interest statement for TY XXXX and XXXX, they did provide. My husband and I have been considering refinancing our existing mortgage. One of the lenders in whom we spoke with asked us for a recent Morgage statement. I proceeded on XX/XX/XXXX to log into our Morgage Company 's website to obtain this information. To my surprise, I was unable to login. XXXX XXXX XXXX without hesitation, I assumed the kids, phones, tv was making it difficult to log in and I'd try again in my office in the am. I spent the majority of the next day trying every avenue of the web looking up our Morgage Comp. I referred back to our " large '' file of paperwork to find a phone number. I made my husband aware of our difficulties and gave him several numbers as well to call. To our surprise with both of us attempting to contact them all lines have been disconnected. We then preceded to go into panic mode. I then emailed the lady in whom last emailed me with our interest statement and that too came back undeliverable. How are we to make a mortgage payment in XXXX? Do we contact an Atty? We're lost and so here I am writing to you- Please advise, Our Mortgage Company has disappeared. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Mortgage Company : SN Servicing Corporation XXXX Bounced back email undeliverable : XXXX and Email : XXXX Website : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: WA

Complaint narrative:
I applied for a XXXX XXXX  XXXX XXXX credit card using the XXXX XXXX XXXX website ( XXXX XXXX XXXX ) that took me to XXXX XXXX   XXXX XXXX XXXX XXXX XXXX ) that I completed on XXXX XX/XX/2020. My application was not approved the same day. This is the first time in my life that I did not have credit approved. My XXXX  score on the date of application was XXXX ( from XXXX ). 

I followed the instructions on the XXXX XXXX XXXX website and unfroze my XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX ) for this application. There is no listing of Sagestream LLC. 

On XXXX XX/XX/2020 I received the XXXX XXXX  credit rejection letter dated XXXX XX/XX/2020. On this letter it was stated that my rejection was based on report provided by Sagestream LLC. 

I tried to contact Sagestream LLC via their telephone unsuccessfully. I tried to obtain my credit report via their website ( https : //www.sagestreamllc.com/ ) and was not able to via the reference numbers of the XXXX XXXX  credit rejection letter.  Sagestream LLC was requiring me to enter my personal information which I am not going to do. 

I believe that I was treated unfairly as XXXX XXXX  as they used a secondary source to deny me credit as I have a strong credit history of over 40 years with no credit issues. I believe that my application was not approved because I do not carry any balances on my current credit cards and that XXXX XXXX  uses the outstanding balances as a revenue source and that I would not be revenue source. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: NY

Complaint narrative:
I am victim of identity theft, i have been submitting dispute to this company since XX/XX/2020 and i have not get any respond or justification of why this fraudulent account have not been remove from my credit report. no investigation have been made. no proof of any investigation is send as my request. i been totally ignore by this company. they are going against my right. 
see attached policy report letter been sent to this company and proof of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After notifying XXXX of Unauthorized charges they continued to charge me again, and with the effects of Covid looming over the entire world, it is impossible to communicate with anybody about this issue. In XXXX they ( XXXX ) issued me half of a credit XXXX of a XXXX charge, and then proceeded to charge me again XXXX on XX/XX/XXXX. In the midst of the back, and forth with these unauthorized charges that XXXX  XXXX XXXX should not have allowed, there was a payment missed that I was not aware of, and it has affected my credit rating. Now I am looking to obtain a mortgage, and these ridiculous unauthorized charges have affected my credit score .Please have my credit score restored, while I resolve this dispute with XXXX  XXXX XXXX allowing the, after I told them not to accept charges from these people at XXXX XXXX and XXXX to stop.

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 2020-10-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Five months in a row, Wells Fargo has failed to send me a monthly statement so that I can pay my monthly HELOC mortgage payment. I have called, or attempted to call, many many times. Wells Fargo 's various reactions to these calls have included rejection, skepticism, indifference, and condescension. There have been promises to contact me which have not been kept. Any number of times, they have acted like there's nothing wrong to fix. Several weeks ago, Wells Fargo sent me a letter stating that the problem had been fixed, but I did not receive my monthly statement that should have been sent in early XXXX, so the problem was not fixed.

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 2020-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The account was opened in XX/XX/XXXX, I closed this account and returned the vehicle. Now they opened the account back up and its not supposed to be open and are trying to have me pay the full balance of the car which I dont have anymore, for the past 2 years it was closed but then it got reopened this year in XXXX. If they cant update that data on my report I want this account removed. From both my credit report and the joint account as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
i called PayPal support to get a transaction that was on hold to be lifted off hold so i could pay for services for my business. the tech said he needed to put money on one of my cards to get it registered so he wanted a log me in thing set up so he could use my screen to do whatever it was he needed to do. so we installed an app allowing him access to run my computer. as the technical problems kept mound up he said one last thing we could try, get my wifes debit card we would transfer money from her account to PayPal my account and then put right back in her account. as i logged into her account he said he wasn't able to see the screen while i was logging in. so he transferred XXXX out of her account and then said he put it back. all while making another transaction to him self i didn't know about and tricked me into pushing the accept and pay button saying " don't worry it will be right back in there " any way so we got the hold lifted and my 2 payments of 500 went thru. then my wife the next day asks me why is there XXXX paid to that tech from PayPal? I don't know there was not supposed to be any payments made from her account, I tried to contact him back and have got no answer or return call. so i filed a report with PayPal and they said in the resolution department they couldn't do anything about it. so here i am hoping you can help. it was their support that did this and that money needs to put back in my wifes account. 

thanks for your time and immediate response on this matter. 
XXXX XXXX XXXX XXXX feel free to contact me for any further information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Bank USA shows an account " charge-off '' under my social security number in XXXX, yet there are still reporting late payments and recent as XX/XX/XXXX on XXXX  & XXXX  credit reports. This is illegal and this account needs to be deleted. Also this account is outside of Maryland 's statue of limitation law, whereas a credit card debt can not be collected on after ( 3 ) years.

Company response to consumer: Closed with explanation