vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
To whom it may concern, Back in late 2015 I along with 6 of my coworkers experienced layoffs due to the oil and gas market crashing. This turned my life upside down and I can't remember a time of feeling more stressed out. As you can imagine this put a huge strain on my finances and therefore I was forced to downsize by breaking lease with my land lord and had to trade my truck in for a more economical vehicle. Luckily my landlord was very understanding and knew that I was a good tenant and granted my wish with no refractions. I was extremely grateful as you could imagine. During this time I had great difficulties finding employment though. My background is oil and gas production and no one was hiring. I did what I thought was a good idea at the time and enrolled in a community college and took a very low paying job at a golf course. I was barely getting by and through it all was mounting up credit card debt. Low and behold I found myself hurt on the job with a back injury that still nags me from time to time till this day. I had no choice but to take two months off due to the injury, which was debilitating physically and financially. Inevitably the credit card debt piled up and I could no longer make payments towards it. Capital One then turned the account over to collections and it has been on my credit report ever since. I once filed a dispute about this and had it removed briefly and unbeknownst to me was randomly put back on my personal credit report by XXXX XXXX XXXX Collections. This is wrong, unethical and illegal. If this formal complaint doesn't resolve the issue I will be seeking legal action. I would like to refinance my truck and buy a home but this ding on my credit report is a huge black eye that keeps me from getting a more favorable interest rate and lower monthly payment. Thank you for your understanding and for reviewing my complaint. Kind regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good day. This is written to place a complaint on the bureaus that have respeated reported wrong accounts, unauthorized inquiries and identity theft incidents on my credit report. I wrote to them last month but these accounts are still in my report.

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 2022-03-22 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-22 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good day. This is written to place a complaint on the bureaus that have respeated reported wrong accounts, unauthorized inquiries and identity theft incidents on my credit report. I wrote to them last month but these accounts are still in my report.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL

Complaint narrative:
I submitted a previous complaint ( XXXX ) where I stated this credit card was not approved per customer service rep and a letter was sent to my home address from XXXX XXXX  explaining the reasoning for disapproval. As the time went by, I had no acknowledgment of this credit card until tidewater sent me a notice of hearing for small claims. This item never showed up on my credit report. After looking into these allegations, not only was the card approved, but it was wiped out the first week it was opened. The items forwarded to me by tidewater as their proof of acknowledgment was a very incomplete application with a clearly forged signature and a inflated income which is very off because I am on XXXX. Because my complaint was denied by cfpb, the attorneys office pursued legal matters along with tidewater and received final judgment without my presence at the hearing. I did not receive a notice to appear. If I genuinely applied and utilized this card as I am being accused of, it should be easy for them to validate and show me all those cash advance purchases made the first week the card was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
on XX/XX/2022 we sent an application for mortgage assistance. we spoke with carrington several on the phone and they informed us of all paperwork they needed. they mailed a letter stating they needed additional paperwork and in this letter did not communicate what else they needed. I called them and was told they needed awards letter for social security and pay stub for myself. I inform her that i do not get social security XXXX and my new employment with XXXX XXXX pays once a month and it would be another month before I receive my first paycheck. She said ok write that out and send it to them. 
we then received a letter dated XX/XX/2022 saying our application had been cancelled. we called them upon receipt of letter and was told 30 days had passed and we had not given them all required documents. 
On XX/XX/2022 we submitted another application with all the required documents. we received another letter dated XX/XX/2022 saying that my documents were more than 90 days old. **** please see dates on documents*** We have constantly gotten the run around with carrington Mortgage with our mortgage assistance application. This company has very poor communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: VA

Complaint narrative:
First and foremost i am submitting this complaint on behalf of myself. This company has failed to remove inaccurate and false information reporting on my consumer file.

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 2022-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hello, I have had an auto loan with Chase Auto Finance for 1 year. I have had repeated problems when trying to pay my bill, and can not get them to send title to the vehicle registration state that I have moved to.

When I

call to pay my bill, I am told that they only take payments via debit card via a specific line. When I call this line, I have been put on hold for as long as 2 hours, and am frequently late in making payments because of this. Mmost recent call, I was on hold for an hour, then transferred to another hold line where I waited another 45 minutes before giving up. My bill is due on the XXXX, and I have been trying to pay it since the XXXX. 

In addition, I moved states in XXXX and have now requested a copy of the title to be sent to Washington state DMV 4 times and have not received the requested documents. This has caused a lot of time wasted and penalties for me because my registration is now expired.

I need immediate attention. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN I HAVE SENT YOU MULTIPLE CERTIFIED LETTER REQUEST TO UPDATE MY PERSONAL INFORMATION. YOU ARE WILLFULLY REFUSING TO DO SO. I HAVE SENT IN PROOF OF IDENTITY AND YOU STILL REFUSE TO UPDATE MY PERSONAL INFORMATION. IVE BECOME ABSOLUTELY STRESSED BY THIS PROCESS THAT I CONTINUE TO SEND MONEY FOR POSTAGE AND YOU STILL HAVEN'T FIX THE ISSUE!

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2021, I completed my first time homebuyer program. When the counselor pulled my credit we found out that I had in my credit more than 19 accounts that don't belong to me. Immediately I contacted the 3 bureau and asked them to remove the information from my credit report. We sent a package with my drivers license, copy of the credit report, ITIN letter from the IRS, and the police report.

After sending all the mentioned information we call the 3 bureaus and they told me that they didn't have any records or information on my name in their system.

As you can verify in my credit the names and date of birth didn't match with my ITIN and Drivers License.

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 2022-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a Citi savings account two weeks ago and deposited over $ XXXX from my other bank accounts ( XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX ). I made no withdrawals and never used the included ATM card. Today I was unable to access my account so I contacted Citi customer service and they informed me that my account has been blocked and marked for closure due to a " fraud suspicion '' that Citi was not allowed to disclose with me. The Citi service representatives would only say lines from a script about the account blockage & closure, stating that the " details of the procedure can not be disclosed with consumers ''. Several cycles through Citi customer service provided me with no more information about the status of my funds or my ability to recover them other than that I would theoretically receive a check in 30-60 days, but Citi would not tell me how much the check would be for, including the possibility it could be XXXX. It is 95 % of all my money outside of my IRA and now I'm unable to access it in order to pay my rent and bills for at least 30 days, with no guarantee that I will ever recover that money at all.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.

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 2022-03-22 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: GA

Complaint narrative:
I've been trying to remove these misreporting addresses several times that were undeliverable to me by the US POSTAL SERVICE which needs to be corrected and fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've received my credit report from Equifax in the mail. I previously reported to them this same missing information problem and their response was to contact the credit card bank. The account bank keeps telling me that they report their information. My primary credit card, that I use most often, is my credit card from XXXX. It's a XXXX card. I use if regularly and it doesn't ever show up on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied to refinance my loan # XXXX Wells Fargo bank last XXXX. The loan agent was XXXX XXXX XXXX. I have a 30 year mortgage and wanted to refinance to a 15 year mortgage. My credit rating was and is XXXX. I pride myself on maintaining an excellent credit rating. My present mortgage payments are taken out of my checking account bi-weekly. I have also made additional payments on my loan proving to have the finance to pay my loan. My yearly income is approximately XXXX. 
They gave me a hard time. They wanted information on my annuities, information I didn't think was of their concern. I refused to violation my financial security in an unprotected environment. During COVId many people are working from home. There is no real protection from fraud. They had enough information available to them to approve the loan. I want this matter investigated. I do believe their treatment of me was biased. I let those who contacted me know how I felt regarding the way i was treated. I felt that is I was white, I would had been treated differently I will never do business with them again.

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 2022-03-22 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: EQUIFAX, INC.
State: WI

Complaint narrative:
All my debts are gone and they are not reflecting the numerical score that matches my profile, my numerical score went to 4 from being in the 100 's. I can no longer even see a score on XXXX. This negative/derogatory reporting is infringing and limiting my liberties. I have NO debt and no score, how are they allowed to do this to a person. 

Failed to report the fact I do have a XXXX XXXX.

Company response to consumer: Closed with explanation