vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 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: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-24 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: GA

Complaint narrative:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent account that is currently reporting id XXXX XXXX XXXX XXXX. I also have a slew of credit inquiries that I did not authorize and are fraudulent. I have attached an FTC Identity Theft report and I am currently awaiting the police 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 explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AXOS FINANCIAL, INC.
State: ID

Complaint narrative:
Institution Name : Axos Bank Account/Product Type : Auto Loan Account Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Country : United States Email Address : XXXX Phone Number : XXXX I have not been able to log in to their website to review my account information for almost two weeks. I can not review account information or make principal payments. 

This is not a user problem, I am a XXXX XXXX of over 20 years and have tried multiple XXXX XXXX XXXX XXXX. The system says it has to send an email confirmation, and it doesn't work. I have checked my mail server logs, there is no email sent from Axos bank. Even if it did work, the field where you would enter a code does not accept keyboard input. 

Their customer service had me on hold for an hour, and when they finally returned, not even they could get into my account to retrieve information. 

I can not make additional payments or review my account information for interest charges. They can't even access this information themselves. 

Their customer support email is a series of canned responses and complete indifference, " looking forward to serving me with superior products '' that don't even work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NY

Complaint narrative:
The issue at hand is the re-evaluation process for credit limits with Citi Bank Credit cards. 

in general this complaint is to address the unfair practice of report pulling to reduce credit limits.

This practice creates a cyclic problem for consumers due to the following : Card 1 : had a XXXX limit in XXXX of XXXX Card 1 : was reduced to XXXX in XXXX of XXXX, just XXXX dollars over balance. 

this drastic reduction significantly raised utilization and inversely decreased credit score for having over 95 % utilization, thus raising risk factorization. 

Card 2 : had a XXXX limit in XXXX of XXXX Card 2 : had a XXXX limit in XXXX of XXXX,, about XXXX dollars above balance. 
Card 2 : had a XXXX limit in XXXX of XXXX, about 200 dollars above balance. 

Requested the balances be reinstated by citi bank, citi bank responded with calling XXXX  credit reporting. 
Also, using the automated " increase request '' was denied, system stated balances can only be increased every 6 months. 

This predatory practice of lowers limits just above balances is damaging to consumers because there is no control metrics to in place that protect the consumer. Credit score Hemorrhaging affects not just credit cards, but housing and employment opportunities as well. 

example of existing issue : Citi see a score change, Citi reduce limits Citi increase utilization to almost maxed out, score decrease significantly Citi see dramatic score change, Citi reduce limit threshold just above balance again. 
again, score lowers, and the cycle continues.

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 2020-07-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I had started a va refinance loan with Rocket Mortgage { IRRRL }. They told me that va required a deposit and appraisal. A couple days later I see thru a flyer that va does not require a deposit or appraisal. I contacted the rep XXXX XXXX and confronted him about this and he finally it was Rocket Mortgage policies. I told him to terminate the application and NOT to send an appraiser and to refund my money of {$500.00}. I have not send my refund. 

I feel that Rocket Mortgage should be censored someway and other Vets should be warned of Rocket Mortgage 's lying practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase credit card sent me a promotion to open a credit card ; if I spent {$500.00} in 3 months I would receive {$200.00} cash back. I spent {$1000.00} the first month and thus I deducted the {$200.00} csh back on the first billing. They never credited me with the {$200.00} and thusly started charging me late fees. I contacted them a couple of months ago and the person I spoke with agreed with me, and said the balance due should be XXXX. But they still are sending me a bill for late charges plus the {$200.00} I deducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX XXXX attorney general XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same with the inquires all the accounts are not mine

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 2020-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX XXXX  attorney general XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same with the inquires all the accounts are not mine

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 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have put my normal spend on my credit card. Credit card company decided to not pay rewards since they are labeling it Account Abuse / Misuse and Fraud. This is not the case. I believe they are doing this to just not pay rewards.

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 2020-07-24 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: VA

Complaint narrative:
My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX  breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that these accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$670.00} 2 ) XXXX XXXX XXXX {$540.00} 3 ) XXXX XXXX XXXX {$450.00} 4 ) XXXX XXXX {$790.00} 5 ) XXXX XXXX XXXX {$480.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX {$500.00} 8 ) XXXX XXXX XXXX {$1100.00} 9 ) XXXX XXXX   XXXX  {$74.00} 10 ) XXXX XXXX XXXX  11 ) XXXX XXXX XXXX XXXX {$4300.00} 12 ) XXXX XXXX XXXX  XXXX {$26000.00}

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 2020-07-24 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: CT

Complaint narrative:
This complaint concerns getting access to My Equifax account, as well as, obtaining a credit report from them. Trying to resolve the issues started in XX/XX/XXXX. 

I created a My Equifax account after discovering that my credit information was stolen during their security breach. I applied for a credit card in XX/XX/XXXX and was refused because they were unable to get needed information. I was unable to temporarily remove the credit block because I am unable to sign into My Equifax account even though I have the correct password. 

After hours and hours on the phone, mailing information to prove my identity, faxing more information regarding my identity because the mailed documents, I was told, were not received. That scares me. I eventually made some head way and received an email to reset my password on XX/XX/XXXX but the link did not work, and I have been faxing and asking for assistance to resolve the issue since and have had no answer. I also filed a complaint with the XXXX XXXX XXXX XXXX XX/XX/XXXX but there was no resolution through that complaint. 

My last fax to Equifax was on XX/XX/XXXX giving them until yesterday XX/XX/XXXX to respond and assist me. This was a follow-up fax from XX/XX/XXXX that was never answered. 

Equifax is not working with me and assuring that I can get into my account, a very simple request. This situation consumes an enormous amount of my time and creates immense distress and hardship for me, especially, since I can not conduct business freely or get needed credit information. It is for these reasons that I am turning to you, be an advocate, so this can be resolved. 

This is a formal complaint against Equifax and its business practices, which I feel are unjust and not consumer friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: GA

Complaint narrative:
My Husband and I have been threatened on numerous occasions by this mobile home park for the last year. In XXXX of XXXX we were taken to court for an eviction hearing. During the eviction hearing it was ruled by the Magistrate court for the eviction to be dismissed and for my husband and I to pay only {$500.00} per month. We did as the courthouse instructed only to be told by XXXX XXXX that we were to pay more money. When we attempted to pay only what was court ordered to pay, that amount was denied and then we were threatened to have another amount placed on my credit report. In XXXX of XXXX my husband and I were contacted by the property managers of XXXXXXXX XXXX again to collect an amount that was not owed. Once we informed them of what we would pay and that we were moving. The property managers stated that we could not move until we paid them all of their monies and if we tried to move they would place this amount on my credit report. 

Through several attempts and applications my husband and I were able to finally find somewhere else to move to, only to be informed that the property managers of XXXX XXXX had already placed the amount on my credit history and we were denied housing. Therefore we attempted another place to reside, and we ( my husband and I ) had to inform this property manager of what was going on. Thankfully this property manager was willing to work with us and we were able to move. Then on XX/XX/XXXX I received mail correspondence that the property managers did in fact sell the debt to a collection agency and now I have received letters and phone calls from this agency trying to collect this debt that is not owed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries : US SM BUS ADMIN ODA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: GA

Complaint narrative:
I have advised TransUnion on several occasions that I was never late on any of my open accounts in XX/XX/2020, XX/XX/2020, XX/XX/2020, or XX/XX/2020. I have provided proof that these accounts where not paid late, and TransUnion has failed to plea their case to who is providing them with this false information. Please help me to get this matter 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 2020-07-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have advised Experian on several occasions that I was never late on any of my open accounts in XX/XX/XXXX, or XX/XX/XXXX. I have provided proof that these accounts where not paid late. I have also advised that the accounts reporting in collections are not mine and may be a result of identity theft, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Experian has failed to plea their case to who is providing them with this false information. Please help me to get this matter 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 2020-07-24 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX 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 2020-07-24 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-07-24 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: VA

Complaint narrative:
My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the Equifax breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that these accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$670.00} 2 ) XXXX XXXX XXXX {$540.00} 3 ) XXXX XXXX XXXX {$450.00} 4 ) XXXX XXXX {$790.00} 5 ) XXXX XXXX XXXX {$480.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 )  XXXX XXXX XXXX {$500.00} 8 ) XXXX XXXX XXXX {$1100.00} 9 ) XXXX XXXX XXXX {$74.00} 10 ) XXXX XXXXXXXX XXXX 11 ) XXXX XXXX XXXX XXXX {$4300.00} 12 ) XXXX XXXXXXXX XXXX XXXX {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: VA

Complaint narrative:
My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX   breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that these accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$670.00} 2 ) XXXX XXXX XXXX {$540.00} 3 ) XXXX XXXX XXXX {$450.00} 4 ) XXXX XXXX {$790.00} 5 ) XXXX XXXX XXXX {$480.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 )  XXXX XXXX XXXX {$500.00} 8 ) XXXX XXXX XXXX {$1100.00} 9 ) XXXX XXXX XXXX {$74.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$26000.00}

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 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
After filing complaint # XXXX earlier today, I looked at my old records. 

With XXXXXXXX XXXX it was in fact a XXXX instrument starting in XX/XX/XXXX. 

I couldnt find a a way to amend the last complaint, but because SPS took over the servicing in XXXX, all contract agreements would be the same. 

So why is this no longer considered a XXXX, or XXXX, or XXXX XXXX   instrument? 

For the first time, I saw a complaint response from years ago, and SPS is incorrect. A re-affirmation agreement was made, but in 1 month it isnt going to matter anymore. I believe that SPS did not do the transfer correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation