vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 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: TX

Complaint narrative:
On XX/XX/2020 CqpitalOne decreased my credit limit from {$6500.00} to {$1500.00}. I have been a loyal client and have on recurring charge on the account every month {$2.00} plus tax for a total of {$3.00} every month. Other than that I do not use the card or make any other charges. I have a perfect payment history with them and my credit score is good and has not changed to warrant a decrease. I make over $ XXXX a year and I am salaried and an essential worker during these times with no risk of losing my job that I have had for over 9 years. My credit score is going to be harmed due to CapitalOne reducing my credit limit for no fault of my own because my available credit is going to decrease by $ XXXX naturally making my credit usage percentage increase and also showing my available credit as a decrease. I contacted CapitalOne directly to see if they would restore my credit limit and they told me due to current economical times they would not. This is extremely unfair to me as I have good credit that will be damaged because I decided to do business with this terrible company. Again, salaried over $ XXXX per year, long term client, active account with very small recurring purchase, perfect payment history. CapitalOne choosing to decrease credit line due to no fault of my own and damaging my credit score. Extremely unfair. I would like my credit limit restored. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2020 my bill for {$21.00} did not go through when it was on auto-bill. I reached out to the company 31 days after, made the payment in full, because the only notification I got that it didnt go through was from it hitting my credit with a 30 day late payment. They never notified me of the bank rejection of the payment. I now can not qualify for a mortgage because of this mark on my credit and the company will not help me with this very unfair situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: GA

Complaint narrative:
the accounts listed do not belong to me someone used my information to open fraudulent accounts they use my personal information on applications as well I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: GA

Complaint narrative:
the accounts listed do not belong to me someone used my information to open fraudulent accounts they use my personal information on applications as well I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
UMB Bank locked my banking account immediately after opening and has forced me to turn over several pieces of personal information to 'verify ' my identity even after completing the application in full and receiving approval. Requesting copies of social security documents, mortgage documents, and drivers license are incredibly invasive and unnecessary, especially since account has already been approved and my identity verified. They are threatening to close my account if I do not supply documents by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: CA

Complaint narrative:
XXXX XXXX has reported multiple 30 day late payments to transunion credit bureau that are not accurate and has reported to XXXX  that I did a settlement not a full payoff. 
In XX/XX/XXXX I took a {$20000.00} loan out with XXXX XXXX. I've paid off the loan in XX/XX/XXXX and up to that point always made my payments on time. In XX/XX/XXXX I informed XXXX XXXX at XXXX XXXX that they have reported multiple 30 days late payments on my account to TransUnion. She said that she would get these removed since I had no late payments. Within 60 days those late payments were removed. In XX/XX/XXXX I was informed by TransUnion that multiple 30 day late payments have been reported from a loan that I had with XXXX XXXX back in XXXX. I called XXXX XXXX at lending point and emailed them with documents showing the late payments on my credit report. XXXX informed me via phone she would talk to management to get them removed. I have heard nothing back from lending point. I've left multiple messages and emailed multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has reported multiple 30 day late payments to XXXX  credit bureau that are not accurate and has reported to Experian that I did a settlement not a full payoff. 
In XX/XX/XXXX I took a {$20000.00} loan out with XXXX XXXX. I've paid off the loan in XX/XX/XXXX and up to that point always made my payments on time. In XX/XX/XXXX I informed XXXX XXXX at XXXX XXXX that they have reported multiple 30 days late payments on my account to XXXX. She said that she would get these removed since I had no late payments. Within 60 days those late payments were removed. In XX/XX/XXXX I was informed by XXXX  that multiple 30 day late payments have been reported from a loan that I had with XXXX XXXX back in XXXX. I called XXXX XXXX at lending point and emailed them with documents showing the late payments on my credit report. XXXX informed me via phone she would talk to management to get them removed. I have heard nothing back from XXXX XXXX. I've left multiple messages and emailed multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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:
This morning I received an email from Capital One to let me know that they reviewed my account and lowered my credit from {$5400.00} to {$1500.00}. At this time I'm carrying a {$0.00} balance trying to keep my debt low because we are in the middle of a pandemic. We have no idea what will happened in the future and I need my credit card for emergency purposes. I'm highly upset right now with Capital One. If you review my account, I've had my cards for over XXXX plus years. I have never been late, EVER!!! Is that how this company takes care of long term/ good customers? Not to mention because Capital One dropped my credit limit ... my credit score will also drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax should not be reporting me as authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: Caliber Home Loans, Inc.
State: UT

Complaint narrative:
Caliber Home Loans is reporting an erroneous late on my account. I recently checked my credit file and noticed this late. I made my payment on a weekend and they didn't process it until Monday. Reporting this late is absolutely absurd. My payment was available to them on XX/XX/2020, that is not late! I have tried contacting the company directly but can 't ever get through to them through the phone. I was not late and never have been late on my payments on this account. I need this late to be removed/fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy chXXXX, outdated reporting since 2013 ( over 7yrs old ) and UNDER AGE DURING TIME FRAUD ACCOUNTS OPENING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I was charged XXXX & XXXX from a merchant in XXXX TN, XXXX  by XXXX. Upon my check out Sunday morning I reviewed my CC charges with the general Manager XXXX. She was able to confirm that the charges on my Capital One card will be removed because I used my CC ending in XXXX XXXX XXXX. I was charged XXXX for my total from Friday XXXX. I disputed the charges with Capital One, provided proof of the charges on several occasions. I provided, the GM 's business card, signed documents provided by Capital One and the receipt showing the card I used. Both charges are still on my account despite my many attempts at calling & trying to resolve with them. I am frustrated because I am being charged interest on charges I DID NOT MAKE. I really need someone else to step in and help resolve this matter. I can submit any proof needed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX XXXX Visa, issued by Bank of America, was taken an fraudulently used. 

In the months : 1. XX/XX/2020 15 Unauthorized charges totaling {$420.00} were made 2. XX/XX/2020 15 Unauthorized charges totaling {$1700.00} were made Total Fraud Charges = {$2200.00} I have filed multiple police reports w/the XXXX XXXX County Sherriffs Department. 
XXXX XXXX County Sheriffs Department Detectives have investigated the theft. 
And Ive submitted their police reports to Bank of America as advised to me by the detective. 

I have a suspect of a person who took the card and was using it, whom the police have investigated. 
The person has since fled the state and the police have informed me that since this is a small scale grand theft they can not pursue the person into the other state. 

The investigator at Bank of America told me in one of my many phone calls with them he has no respect for the police. 
Further, he verbally told me on the call he does not care what a police officer says, he will not accept the police report. 
He is clearly biased in this case. 

I have called multiple departments and Bank of America and no one else has been able to resolve this. 
Apparently their entire company relies upon this one biased investigator sitting in some back office in Tennessee. 
They have told me no one else in the entire company can can help. 

Bank of America sent me a letter stating they refuse to honor their no fraud guarantee. 
They are telling me that I must pay for the charges on my stolen card created by the thief. 

They have told me that since the card was used in person, and since the thief signed the receipts I am liable. 
This is completely ludicrous and is not only completely unethical, it defies any reasonable common sense since obviously a thief would use the card in person and scribble a signature when needed. 

I would expect Bank of America to promptly reverse the charges to my account and not make me beholden the whims of thish one person who holds a grudge against police officers. 

Shame on Bank of America. 

Attached are copies of the original police report. 
Also attached are copies of two hotel bills charged to me in which you can see the person whos name on the bill is not even my own, yet BoFA is holding me liable for these fraudulent charges. 

Additionally attached is an XXXX spreadsheet w/the all the fraudulent charges highlighted in yellow and itemized for both months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC
State: CA

Complaint narrative:
On or around XX/XX/XXXX, I was notified by XXXX I had a new collection added to my reports, damaging my scores. I saw that AGC Credit LLC reported this account as new/opened inXX/XX/2020.I have never received any sort of notice ( written or otherwise ) from ATG Credit regarding this debt no phone calls, no letters, e-mails, nothing. 

This debt has been submitted to the credit bureaus as a new opened collection starting XX/XX/2020, even though they have NEVER made contact with me or verified the debt, and even though this account in particular was charged off by the original creditor over two years ago. 

Collection entries related to the same debt share their expiration with the original debt, and must be reported this way. In this case, ATG re-aged the debt by reporting a different open date, violating my rights and damaging my credit score. They also failed to give me any notice or verify the account before adding it to my report and damaging my credit Ive tried hard to rebuild.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bilateral Credit Corp, LLC
State: TX

Complaint narrative:
I have repeatedly received harassing calls from Mr. XXXX at Bilateral credit telephone number XXXX ( reference # XXXX ) representing XXXX a former company I worked for on charges that I expensed or was trying to figure out why they were not expensed and paid for and he : 1. Used scare tactics and threatened to ruin my credit 2. Threatened to take legal action 3. Left a very abusive voicemail transcribed here : " You have no intention, no integrity, no morals in resolving this on a voluntary basis. Please be advise this has been reported to your credit and will remain there for 7 years. Collection activities will continue, this does not go away '' I feel threatened and upset at the fact that this person in questioning my character and making assumptions based on a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy chXXXX, outdated reporting since 2013 ( over 7yrs old ) and XXXX XXXX DURING TIME FRAUD ACCOUNTS OPENING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy ch7, outdated reporting since 2013 ( over 7yrs old ) and XXXX XXXX DURING TIME FRAUD ACCOUNTS OPENING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
There's a charge-off loan account from Speedy Cash appearing on my credit report. I've never had an installment loan account with Speedy cash. Therefore, this account has to be a product of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
This is not a duplicate complaint. This is the results of the outcome of what capital one provided to me last time. 


After submitting my dispute and all proper documentation t capital one, capital one claims they did a fraud investigation and verified a fraudulent item as mine. 

XXXXThey sent me a HUGE envelope from their legal counsel XXXX XXXX  XXXX ( possibly intimidation tactic ) with just pages and pages of this fraud accounts statements mailed to an address I NEVER LIVED AT. How can statements of an account to a fraudulent address be proof?? I am a XXXX veteran and it is a shame to be treated like this. 

Capital One is continuing to report a fraudulent account to my XXXX   credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information them as well as with my 605b FCRA request to block this fraudulent information from my report. THey are in strict violation of the FCRA and this must be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I sent in a complaint already the ID XXXX. I wanted to say Cash App has not worked with me to resolve the issue. Cash App sent me an email acknowledging my account was fraudulently accessed XX/XX/2020. After asking for an investigation on XX/XX/2020. I was asked to create a new account and send a copy of my Driver 's License on XX/XX/2020. I responded with the information requested on the same day as the request. I have received no information from Cash App beyond XXXX XXXX. 2020 save a couple of missed calls from a number take can receive no incoming calls.Cash App has not contacted me to resolve my case even though, Cash App reported to CFPB they would resolve the issue with me. I would like Cash App to return money to my account as they told CFPB they would do.

Company response to consumer: Closed with explanation