vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This bank Is horrible To me Each Time I apply they refuse to Open an account Close my accounts After Sending Them documents They claim they are not valid Its Crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This bank refuses to let me apply or have another credit card I applied for the gm card and they declined me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery is reporting money is owed ( over {$1000.00} ) on an account that the original creditor ( XXXX ) can not verify belongs to me. I have been back and forth with them and original company to no avail. This account must be deleted from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: MN

Complaint narrative:
Attached to this complaint is a police report and identification information for Equifax Office of Consumer Affairs Department to review. The following accounts listed on my Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX, {$560.00}, and XXXX XXXX  XXXX Credit Card, {$1800.00}. The following accounts/cards are lost/stolen : XXXX XXXX Credit Card, XXXX Credit Card and XXXX XXXX XXXX XXXX Credit Card. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: IA

Complaint narrative:
Guild Mortgage company promised a lower rate for our mortgage. They ended up stating that because our house was worth {$3000.00} more we had to pay them the difference. We declined because our house was worth less then what we paid due to roof leaks, foundation leaks and misalignment, as well as neighborhood quality declination. They ended up charging us {$540.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my  payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Oklahoma Student Loan Authority
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I applied and got approved for BOA Travel Rewards credit card back in last XXXX upon the representative 's recommendation and he assisted me in branch for that process. I was told that I will get the bonus credit ( XXXX points ) for the Travel Rewards Card which mentioned will be added within few weeks after my required spending is sufficed. 

After few months later, I noticed that I still have not received the bonus points and reached out to the same rep ( XXXX XXXX in XXXX ) but the only answer I got was he is no longer at the branch. 

Then I also contacted customer service but they only told me that they will review the case and will let you know by mail. And the letter that I got was saying that I won't be rewarded with those credits since I was not under promotion. 

I am quite upset and frustrated about this event and feel like I got scammed by the representative / BOA. 

Complaints were completely ignored by BankofAmerica after many, many attempts - calls, emails - over the span of 12+ months. 

I hope CFPB can help resolving this issue, thank you.

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 2019-12-27 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: MN

Complaint narrative:
I mailed in a police report regarding me being a victim of identity theft and fraudulent and unauthorized accounts listed on my Trans Union, XXXX  and XXXX  credit report. The following accounts are fraudulent, unauthorized and not my accounts : XXXX Credit Card/XXXX Card Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. The accounts are not my accounts. They are all fraudulent 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 2019-12-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019, my credit monitoring service alerted me to a change to my credit report saying one of my Citibank credit cards has been closed. Alarmed, I logged onto my account online and saw that my Citi Costco card was indeed closed. I initially thought someone hacked into my account since I did not close this account. However, upon calling Citicards, they confirmed that the bank closed my card due to 25 months of inactivity. The company should at least have the courtesy of giving me advanced notice of such a policy and should give me a chance to reactivate my card before pursuing such an action. I asked the CSR if he can reactivate my card, and he said he can try but it might be another inquiry to my credit report and basically will process as if a new application. I did not want another hit to my credit report so I did not pursue this option and left the card as closed. My Citi Costco card also serves as my Costco membership card so now because of this sudden closure of my account, I will have to go to Costco and get a standalone membership card. This is not just a bad customer experience, but also unfair treatment. When must I keep using the card in order to have one? If I was already approved for a credit card account, but my credit profile has not deteriorated ( FICO 800+ ) then the card company should really not be closing my account, which could negatively impact my credit report.

Unfortunately, this is not an isolated incident with Citi. My mom also had a different Citi credit card ( Citi DoubleCash ) closed without notice.

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 2019-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I used the app XXXX, looking for a new XXXX. I found an XXXX XXXX XXXX for XXXX dollars which is relatively cheap and messaged the seller. His/Her name was XXXX XXXX, they informed me that they could ship the item out which seemed like a good idea at the time but turned out not to be. They told me I could use Zelle which is a money transfer app that I thought had buyer protection but it turns out it didn't. I sent XXXX dollars through zelle and they even faked a shipping label. Zelle will not return me my money and although it is not a huge loss, I would like to stop him/her from scamming others. I have already reported this through the app and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: MN

Complaint narrative:
I mailed in a police report regarding me being a victim of identity theft and fraudulent and unauthorized accounts listed on my XXXX XXXX, XXXX  and Equifax credit report. The following accounts are fraudulent, unauthorized and not my accounts : XXXX Credit Card/XXXX XXXX XXXX, XXXX XXXX Card/XXXX XXXX XXXX, XXXX  Card/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. The accounts are not my accounts. They are all fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: LEADER ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
RE : Unauthorized hard inquiry on credit bureau reports. 

On Saturday, XX/XX/2019, I was notified by my credit monitoring services that a new hard inquiry had been recorded on my credit bureau reports. Upon investigating the report, I found that XXXX XXXX XXXX, in XXXX XXXX, Idaho, had performed the inquiry. 

On Monday, XX/XX/2019, I contacted XXXX XXXX XXXX  regarding the inquiry. I learned that the inquiry had been ordered by XXXX XXXX, with Leader One Financial, XXXX XXXX Loop XXXX, XXXX XXXX, XXXX XXXX, Texas, XXXX ( the offices of XXXX XXXX dba Leader One Financial ). I was very concerned over this matter as I had never done business with that company, nor had I applied for any lines of credit recently. 

I called Leader One Financial and spoke with XXXX '' who informed me their company was in the process of refinancing my ex-wife 's residence, for which the loan was still solely in my name. XXXX said that XXXX XXXX was handling the mortgage application and that they had, in fact, pulled my credit. XXXX claimed that the inquiry should've only been a " soft inquiry '' as it would have been for a mortgage history file. I pointed out to XXXX that, regardless of the type of inquiry it was, Leader One Financial was neither my lender, nor my refinancing company, and that I had not authorized or  consented to have anyone pull my credit. I also told her that the inquiry had been recorded as a hard inquiry on all 3 credit bureau agencies and that I wanted the unauthorized inquiry removed. XXXX told me the quickest way to resolve it was to dispute the hard inquiry with each individual credit reporting bureau. I asked if Leader One Financial could simply issue a letter of removal/deletion to have it taken off my report. Again, I was instructed to file a dispute with the credit report agencies and was also told that the on-line systems of the agencies would let me dispute the hard inquiry. 

Following her instructions, I started with XXXX  's online site, created an account, and initiated the process of launching a dispute. Halfway through the process, I found that I could not dispute hard inquiries online. 

I then contacted XXXX XXXX XXXX  again, where I explained my dilemma to XXXX XXXX. XXXX was most courteous and agreed to help me with my situation. Since that time, XXXX was able to correct the fraudulent transaction that was performed by XXXX XXXX and Leader One Financial. 

I have never done business with XXXX XXXX or Leader One Financial and I have never given him/them my consent for my credit report to be pulled. His/their actions were not only a violation of the rules/laws, but also unethical.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi there, I have received the letter with saying that Chase has refused to reopen my credit card accounts for following two reasons : ( 1 ) Too many accounts opened recently ( 2 ) Balances on accounts are too high compared to credit limits I'm writing to explain the reasons and misleading information you got from XXXX. And I ask Chase to reopen all my accounts ( 1 ) I have only open five credit cards in the past one and half years. Only recently I opened three credit cards due to the good opening bonus for those cards. Please see the attached file 1 for details.

( 2 ) I have paid off all my credit cards balance including all the chase credit cards so the balances usage should be below 3 %. The misleading information Chase got from XXXX  is based on the report from XX/XX/XXXX which is not updated so far. Please see the attached file 2 for details. Chase should read the updated information on the report from XX/XX/XXXX.

I'm using Chase accounts ( checking, saving, and investing ) and credit cards for more than four years. I spend more than 100K every year using Chase credit cards and never miss any payments.

I'm asking to reopen my credit cards since it has already made so much inconvenience and wasted my lots of time. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brennan & Clark, Ltd., LLC
State: AK

Complaint narrative:
Brennon & Clark sent two letters stating that I owe XXXX XXXX XXXX {$500.00} for a business named XXXX XXXX XXXX. I have never owned a business nor have I ever had any insurance though XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be  investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. 

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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
After applying for a loan, Equifax is reporting my address incorrectly ( XXXX XXXX XXXX # XXXX  XXXX MD XXXX ) wrong address, and has an Online Credit Collection Agency for XXXX XXXX ( XXXX ) account on my credit report with a fictitious account number. 

XXXX XXXX is unable to verify or dispute the collection account information. 

Collection information that was reported incorrectly was removed from the report then replaced back on the report with a more recent date of report. 

These issues are causing hardship for me to get housing, a loan, a job or advance credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Regions Mortgage - Loan Account : XXXX We paid our mortgage loan completely on XX/XX/19. I contacted Regions Mortgage the same day to make sure the auto withdrawal was stopped. I have emails from Regions Mortgage that the withdrawal was stopped. This morning XX/XX/19 they have secured funds from our XXXX  XXXX XXXX account and are proceeding to withdraw funds for a mortgage payment that no longer exists. 

I complained about the process and spoke to someone about this issue. I have confirmation the loan is paid. I have confirmation from Regions the withdrawal was stopped on XX/XX/19. 

I have attached their website page showing our loan detail. You can see the principal balance is XXXX. Amount due is XXXX, yet they have secured funds from our bank to pay a mortgage with XXXX  balance. 

Please assist.

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