vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Under 15 usc 1681n ( b ) Civil liability for knowing noncompliance, They have used my credit card and the inquiry is a receipt of the transaction that took place. I did not authorize this transaction 15 usc 1681a Exclusions.. 15 usc 1681a ( 4 ) infringed upon my right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: MicroBilt / PRBC (formerly CL Verify)
State: LA

Complaint narrative:
I've sent documents requesting my report and a security freeze. I have yet to get what I've requested. I look forward to receiving the proper documents I've requested as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
A Discover agent contacted me in late XXXX to request that I make a payment. After discussing the amount due I agreed to her offer of setting up installment payments only because she assured me that my account wouldn't be reported to the credit bureau because of the installments being set up. Apparently she was incorrect because after 2 of the installments had been made I later received an alert from XXXX of a 30 day late payment from Discover. I've disputed with the credit bureau and requested that the recorded call be listened to but that was not done. My dispute was closed and all that was done is Discover sent the status of the account as of the date they responded to the dispute. If I had been given accurate information I would have made a payment for the full amount due in order to bring the account current. 

Next issue : For years I've had my wife assisting in communicating with Discover but I had to add her as an authorized user on XX/XX/XXXX because the rep said she had to be added in order for them to speak with her. So I added her but discover did not disclose that they'd report on her credit report information from 30 days prior to adding her which puts that 30 day late payment on her account. There's no way that is fair to a consumer. That should be disclosed when you are in the process of adding an authorized user. How is it fair to a consumer to add credit activity to their credit report when they didn't have access to that credit during the period of activity or during that billing cycle. As I am typing this dispute Discover has said 5o my wife that they are going to review the call and they think that they know what happened but they will be able to confirm and get back to me in XXXX business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have requested a security freeze and my report from Clarity Services. I have yet to receive, and I do not agree.

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 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have repeatedly paid my bill by way of mail. The first payment I sent was on XX/XX/XXXX certified mail tracking number XXXX. I did not hear anything back from Bank of America. I then sent a second payment on XX/XX/XXXX certified mail tracking number XXXX which was delivered on XX/XX/XXXX at XXXX pm. It is now XX/XX/XXXX and I have yet to have the payment reflected on my account. I have given ample time and have called Bank of America numerous times about my payments and have yet to receive a response as to why my payment has not been reflected on my account. I want to submit a billing error complaint and get this resolved.

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 2022-01-14 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Hi, I XXXX XXXX XXXX XXXX, am a consumer with protected consumer rights. After careful review of my consumer report and in comparison with the Federal Consumer Laws it is apparent that your company is violating my consumer rights. 

If you look at the law 15 USC 1681a 2 ( A ) ( i ) it clearly states my consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Furthermore, those transactions and experiences are excluded. 

Your reporting of experiences and/or transactions on my consumer report is a direct violation according to congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2022 my account was revised and decreased to XXXX after I made a XXXX payment on my balance XX/XX/2022. I also never had a late payment. Also the decrease makes my utilization very high.

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 2022-01-14 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: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TN

Complaint narrative:
I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me financial injury and defamation of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo is closing my checking account based on the " review of account '' they allowed me to open. the account and then sent me a letter stating they intend to close my account XX/XX/28.

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 2022-01-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have noticed that when I checked my experience I had 3 accounts open and I realize the other two but the one by capital one is something I do not recall ever opening nor signing up for, so I am disputing this as a fraud, and I have already made a dispute for XXXX and XXXX. It said it has been opened XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: AZ

Complaint narrative:
This is my SECOND complaint. TransUnion is violating my rights as a federally protected consumer under 15 USC chapter 41. There are 2 hard inquiries on my credit report that I did not give consent to be furnished. I sent an Affidavit of Truth to TransUnion on XX/XX/2021 ( attached ). TransUnion responded stating I they were unable to process my request. They responded to my last CFPB complaint stating they sent their response via mail ( attached ). I have not received the letter. Regardless, theses are not acceptable responses to an Affidavit of Truth. Under the laws of Commerce, an un-rebutted Affidavit Stands as Truth. TransUnion was never never given my written consent to furnish any of those on my credit report, violating 15 USC 1681b ( a ) ( 2 ). I gave them everything they needed to take the inquiries off.

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 2022-01-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me financial injury and defamation of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I received an complaint regarding a disputed debt on my credit report. After the account was unable to be verified it was removed from my credit report. The company Credit Acceptance then filed a complaint suing me for this account. I received a copied contract with an electrotonic signature as verification from their lawyer firm XXXX XXXX XXXX XXXX XXXX XXXX. This very same contract was sent to my father claiming him to owe the same debt with the same electronic signature. I advised the lawyer firm of this inaccuracy to then receive papers in the mail for a judgement.

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 2022-01-14 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: LoanCare, LLC
State: AZ

Complaint narrative:
There is not a problem with the company or my account. What issue is that this is my mortgage company that I make payments towards my home. I purchase this from the homeowner who carry the loan. Now, I only owe {$6000.00} of the 10 year loan with NO LATE payments for 9 years. None of this information is shared with the credit agency. This only XXXX of the problem. I, XXXX XXXX XXXX, is born deaf and asking me to communicate by phone is something that is very unlikely. I get no discount or reduce fee for the landline that I have to use to operate my cap-tel machine, which I use to talk on the phone. The odds of the other person on the other end being able to understand how to talk to me is 50 %. OK, last thing I want to express is I am falling downward and with no bottom there is because it all started with my XXXX provider in XXXX. I had to have CATARACT XXXX. So XXXX XXXX XXXX need {$1700.00} to start and {$300.00} each time at hospital. XXXX so {$600.00} more. {$2300.00}! All this was dug up with personal loans. Now, its every month get a loan. IT '' S GOING TO KILL ME. thank you for listening and hopefully someone will care about this deaf man ....

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 2022-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
XX/XX/2022. Opportunity to cure was sent to the debt collector. Even though they turned the account back over to XXXX, they never sent validation of the alleged debt, pursuant to 15USC 1692 I never gave NATIONAL ENTERPRISE SYSTEMS permission to communicate with me concerning the alleged debt, and the company still violated my consumer rights. NATIONAL ENTERPRISE STSTEMS is still in violation. I hope that we can reach a valid resolution.

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 2022-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
The mortgage holder recalculated our escrow payment balance in XX/XX/2021. They " discovered '' that we had over funded the account and they wrote us a check for {$6000.00}, the current balance of the account. Additionally, they lowered our mortgage payment by almost $ 1000 monthly. 

However, this recalculation was incorrect and had our new property tax allotment in escrow payments at 0 dollars a month. We called to let them know this was incorrect. They asked us to deposit the amount of the check they sent us to our escrow account and that they would run a reanalysis for escrow payments. 

Next month, our payment was still incorrect and we'd heard nothing back from the company. I called again and they're running another analysis to hopefully fix the the problem. 

The issue i have is every miscalculated payment increases my mortgage payment by ~ {$100.00} a month when they finally get around to realizing i do in fact owe property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Yesterday, XX/XX/2022, I opened a savings account with Chase. Today my account was locked. I called the support line, spent the entirety of my day waiting to get into contact with an agent, the agent put me on hold and then informed me that my account has been terminated and they dont have a reason. I went to a chase branch close to my house and they refused to release the funds from my account, and informed me I will receive a check within the month. They would not tell me why my account was terminated. I was a member of chase bank for nearly a decade with no outstanding debt or overdraft during that period. I want to emphasize a single fact in here, I spoke with maybe 6 representatives and not one of them could tell me why my account was terminated how could a business operate in such a manner that they can not give me a reason as to why they are terminating my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: GA

Complaint narrative:
I have constantly been sending out letters regarding my charge-off accounts and a medical bill that they are reporting that is violating my HIPPA rights and the account doesn't have a name just the account number but here are the accounts that are reporting incorrectly XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. The charge-off accounts are reporting incorrectly and showing a past due balance and according to the FCRA, XXXX have the to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am unable to log into my Suntrust account online. I get a message to call an XXXX number, which has a hold time of great than XXXX hours! I have tried calling them multiple times, multiple days, multiple times of days, I am unable to get thru to them. On every occasion, I get hung up on after being on hold for over an hour. I have reached to them on XXXX as well, no response. Meanwhile, I am unable to access my money!

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been trying to get this removed from my credit report. i never received a loan deposit from XXXX in XX/XX/2021. I have tried to call to have it removed and they have not removed it. i have attached bank statement

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been trying to get this removed from my credit report. i never received a loan deposit from XXXX in XX/XX/2021. I have tried to call to have it removed and they have not removed it. i have attached bank statement

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