vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/2020 I put two disputes with the three major consumer reporting companies, XXXX XXXX, XXXX, equifax, for accounts XXXX XXXX, and XXXX XXXX MasterCard, both details are listed in photos below. My problem is the reporting agencies never responded to my disputes except for XXXX XXXX deleting XXXX XXXX, but the other agencies didnt respond nor did XXXX XXXX respond to XXXX XXXX. In XXXX I put a demand to respond to my request again no response ... Please delete both XXXX XXXX and XXXX XXXX from Consumer reports, this is my request that the CFPB so action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/2020 I put two disputes with the three major consumer reporting companies, XXXX XXXX, experian, XXXX, for accounts XXXX XXXX, and XXXX XXXX MasterCard, both details are listed in photos below. My problem is the reporting agencies never responded to my disputes except for XXXX XXXX deleting XXXX XXXX, but the other agencies didnt respond nor did XXXX XXXX respond to XXXX XXXX. In XXXX I put a demand to respond to my request again no response ... Please delete both XXXX XXXX and XXXX XXXX from Consumer reports, this is my request that the CFPB so action

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 2021-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I changed the bank attached to my autopay last XXXX and even got email confirmations of this activity, yet they continued to charge my old account. In XXXX this finally resulted in a returned payment and charges from my old bank and Target. As soon as I noticed it, I made the payment again immediately using the new bank account and called customer service who in turn called my bank to confirm what I was saying. Imagine my surprise when this manual payment was also rejected because they charged the wrong account again. So I made another payment, making extra sure I had selected the current bank account. I then deleted my old bank information from this account entirely. And still they charged my old account! Now I have all of these extra charges and Target had the audacity to cancel my account for too many returned payments despite that it was finally paid. I've spent weeks trying to get this taken care of and I just keep getting told to call another time or told that all of this was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello Trans Union : I was lucky to get a copy of my XXXX and XXXX credit reports through a mail request. Trans Union has never mailed out to me a credit report. I am respectfully requesting my Trans Union credit report, even if I need to pay for one. 

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 non-monetary relief
Consumer complaint received 2021-01-09 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: CA

Complaint narrative:
These are not my accounts, nor did I authorized these companies to run my credit report. Please remove them immediately.

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 2021-01-09 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: CA

Complaint narrative:
These are not my accounts, nor did I authorized these companies to run my credit report. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: FL

Complaint narrative:
Hello, I successfully filed for chapter XXXX bankruptcy on XX/XX/2020. I did It is now XX/XX/XXXX and I am still receiving derogatory remarks on my credit report from credit companies stating that " You have one or more accounts showing missed payments or derogatory indicators. '' and " You have a serious delinquency or derogatory indicator. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello Equifax : I was lucky to get a copy of my and XXXX XXXX credit reports through a mail request. Equifax has never mailed out to me a credit report. I am respectfully requesting my Equifax credit report, even if I need to pay for one. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX I received a letter from Capital One through CFPB Complaints Portal in which Capital One Customer Advocacy Office stated that I am not eligible for a credit increase.

It has been over two years since I have been applying for a credit increase and we now on XX/XX/XXXX and still no credit increase. 
Have utilize XXXX and I am always decline because of XX/XX/XXXX.

My XX/XX/XXXXis around {$57000.00} and my income never reduces as a Lifetime income with 3 % COLA increase every year on XX/XX/XXXX and is XX/XX/XXXX. 
Capital One has a copy of my award letter of XX/XX/XXXX income that was settle in State and Federal Court in California in XXXX alongside with my XX/XX/XXXX. 
{$750.00} credit limit is not enough to make purchases in California as California Cost of Living is very expensive. 
Also I am going through a VA Loan process on home purchase in Texas and I respectfully requesting for my credit limit increase as my credit usage on my Capital One Master Card ending # XXXX is over 30 % if I get a higher credit limit over {$750.00} my VA Loan for a home purchase with be Approved. 

I am respectfully requesting that Capital One will approve and increase my credit limit over {$750.00} and accomondate me on my XXXX XXXX Civil Rights Act under Department of Justice. 
I am respectfully a XXXX XXXX XXXX Military Veteran, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: TX

Complaint narrative:
I called equifax again on XX/XX/20 and spoke with an agent with agent ID number ID NUMBER XXXX. I have wrote this company several times about not being able to see my credit file. I have submitted several disputes over the last few months and I have also submitted via A previous complaint both my drivers license and social security card as proof of identity. I have been denied my credit report online and over the phone. I was told over the phone I ned to send in my drivers license AGAIN because it expires every three months. I attempted to log onto the web portial to check my dispute status and it has my file completely blank and shows nothing. I have attached both my social security card and my DL yet again and I am requesting that these documents be left on file so that I do not have to provide them over and over again to view my own consumer report. I am also requesting A free credit report be mailed to me for my viewing since I have not been updated via mail on any of my disputes! I would like to be able to call and speak with A representive over the phone and not have any issues with doing so or being forced to file A complaint just to speak to someone. It is beyond crazy that I have to do such things just to have A converstion with someone about my consumer report. MAKE MY CREDIT FILE AVAILABLE FOR ME TO VIEW ONLINE AND FOR ME TO SPEAK WITH SOMEONE OVER THE PHONE!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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 and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Closed account XXXX XXXX XXXX  XXXX XXXX {$620.00} Closed 5 charge-offs Account Info Hover over labels for more details Account number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers 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 2021-01-09 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Closed account XXXX XXXX XXXX XXXX XXXX {$620.00} Closed 5 charge-offs Account Info Hover over labels for more details Account number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
On Tuesday XX/XX/XXXX, my husband and I both received multiple Docusign emails from Caliber Home Loans labeled " Mortgage Loan Disclosures from Caliber Home Loans, Inc. ''. We could not open these disclosures because they required a password. Neither my husband nor I have a loan application in with Caliber Home loans so disclosures are cause for concern. I used the phone number in the docusing email to call and discuss the issue. The phone number doesn't work. I responded to the customer service email address saying I don't have a loan application in and I have concerns about the docusign. I have attempted to use every customer service phone number I can find and can not get a person on the phone. I also submitted a customer inquiry through the website. The customer service response was " Please provide your loan number and/or address so we can assist. '' I have replied, yet again, that I can't provide a loan number or address because I don't have a loan application in with Caliber Home Loans. I have concerns that Caliber Home Loans isn't protecting consumers, myself included, by not having adequate fraud detection and prevention measures in place. I am concernd that a fraudulent loan has been taken out in my name and I can't get anyone on the phone to discuss it. 

PLEASE NOTE - I am required to enter an address in order to submit a complaint, but I DO NOT HAVE A LOAN so the address entered is my current home address and is NOT connected to the potential fraud in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: DISCOVER BANK
State: FL

Complaint narrative:
Hello, I successfully filed for chapter XXXX bankruptcy on XX/XX/2020. I did It is now XX/XX/XXXX and I am still receiving derogatory remarks on my credit report from credit companies stating that " You have one or more accounts showing missed payments or derogatory indicators. '' and " You have a serious delinquency or derogatory indicator. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: Upstart Holdings, Inc.
State: FL

Complaint narrative:
Hello, I successfully filed for chapter XXXX bankruptcy on XX/XX/2020. I did It is now XX/XX/XXXX and I am still receiving derogatory remarks on my credit report from credit companies stating that " You have one or more accounts showing missed payments or derogatory indicators. '' and " You have a serious delinquency or derogatory indicator. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2020 opened checking account at Chase. Never received debit card in mail like I was promised. 

On 3 different occasions between XX/XX/XXXX and XX/XX/XXXX Chase has blocked my account access and forced me to call in to unlock it. 

XX/XX/2020 I direct deposited {$5700.00} into my Chase checking. 

XX/XX/XXXX I added my bank account with XXXX onto my Chase account transfer menu and verified the trial deposit amounts to confirm it was my account. 

XX/XX/XXXX I attempted to transfer {$2000.00} to XXXX from Chase bank. Chase fraud department blocked this transaction. 

XX/XX/XXXX I called and spoke with multiple representatives. Finally a representative in XXXX was able to verify my account with my account #, address, PIN, and Driver 's License number. He told me he would unlock it and also put a note for fraud that transfers to XXXX by XXXX XXXX are authorized by me. He also ordered a new debit card for me since I didn't receive one yet. He told me further transfers would NOT be blocked. 

XX/XX/XXXX Later that same day I tried to transfer to XXXX for {$1500.00} this time. Again the transaction was blocked. Now the fraud department says they can't access my account to see that I authorized the transaction. They refuse to unlock my account. 

Chase is not allowing access to my funds. They are not following what they told me about allowing transactions to my other accounts. Now that my money is in account they repeatedly make me go through verification procedures and continue to lock it. Without them ever sending me a debit card since it was opened I can not access my funds via atm either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have disputed Portfolio Recovery Associates account XXXX and they responded with the false claim that they " investigated '' my complaint but failed to provide any competent evidence of the alleged debt other than some fake statements. Please investigate the alleged transactions on the alleged statements and other facts and delete as I have no knowledge of this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Hello, I received the response from Nelnet on the CFPB website. I reviewed it and I have some questions. I would like to know how and when was I notified that I was supposed to start payments in XXXX of 2014? I was still contemplating classes and under the impression I was in deferment. Can I get the documents that stated I was to begin payments at that time?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: TX

Complaint narrative:
There is a {$550.00} million dollar lawsuit against XXXX by the attorney general that ordered them to forgive the auto loan debts of consumers due to their bad business practices and predatory lending during the time frame starting from XXXX to XXXX. I had a vehicle loan with them during that time frame and was definitely a victim of their subprime lending amongst other bad business practices, one being them not properly providing all loan parties proper documents. Attached is a link regarding the settlement via the Attorney general. XXXX XXXX XXXXXXXX

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 2021-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I set up the paper bill from BOFA 's app, but never receive any paper bill from bank of america. because of no receiving paper statement, I miss one payment in XX/XX/2020. Bofa 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted Bofa, and they told me they have no error, and never investigate their application. by the way, bofa cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.

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 2021-01-09 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: FL

Complaint narrative:
i filed cfpb case # XXXX transunion sent another letter stating it is verified. they provided the bankruptcy information but AGAIN did NOT provide any proof of how they verified this information. legally it must come off of my report. i will attach my documentation from the that same court which states that they do not share or release information with third parties which would include XXXX XXXX and transunion. They are required to obtain verification directly from the source which would be the court in this case. the last line of the courts response states that they do not provide information to credit reporting agencies. They are not allowed to go by public record alone as there can be errors. I demand written verification from a representative of the court that verified that bankruptcy. My documentation shows that the court will not give that info to the cra, therefore, By law this must be removed.i am publishing the complaint this time so that people can see that what they are doing to people and so they can learn from it.

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 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have a problem with my " CLUE '' report from LexisNexis. LexisNexis was reporting wrong information, I disputed it with LexisNexis and XXXX, but could not talk to XXXX as I was not a policy holder and nobody would return my calls. My disputes started on XX/XX/2020 when I sent my dispute to both LexisNexis & XXXX. After disputing information that was missing on claims, XXXX changed the details of the claims to wrong information. For instance : Many claims had no birthday, drivers license, or other identifying information. After my XXXX dispute, XXXX filled in the information with wrong info, info that wasn't mine and continues to 'verify ' it, even though it is not accurate. 

I sent another letter to LexisNexis on XX/XX/2020 telling them still, that my file must have been confused with someone else 's, and the information is wrong. They have never replied. I also asked for a copy of my consumer report on the same day, which was never sent.

Company response to consumer: Closed with explanation