vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Have been unable to get my Experian credit report in order to purchase a home in state I have moved for a job opportunity. This issue has been going on for XXXX  months. When I call customer service I get hung up on numerous times. I feel that I can not use my VA benefits because of Experian '' s inability to help resolve this matter.

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 2020-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In XXXX of 2020 XXXX  XXXX put a collections on my credit report. This collections popped up on my bureau report and has greatly lowered my score. This debt collector is saying I owe money that I do not owe. Therefore this collections is an unknown collections debt and unverified collections debt.

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 2020-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2020 and XX/XX/2020 do to covid there was no late charges due to goverment but they charge me for late and report late to credit burue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have informed them on several occasions ( at least 5 times ) and that the only Name, Address, and Telephone # and Employer information that should appear on my credit report is the following : address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Employer : XXXX XXXX XXXXXXXX  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 2020-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
What is this complaint about? 
My Synchrony credit card ( pep boys ) closed my account due to a high balance on my credit card and that I was over the credit limit by {$79.00}. Synchrony credit card fear due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk As of XX/XX/XXXX, I have a balance of {$2400.00} and I have been with Synchrony bank since XXXX I have never missed a payment never late 30,60, or 90 days. I made all my payments on time ( I enclosed a copy of my payment history from my credit report ) What type of problem are you having? 
The problem I'm having is due to the fact of synchrony bank closing my account my credit score went down 22 points causing me not to be able to apply for other credit due to a low score rating. 
I am attending college and I need to apply for a student loan this grievance of lowering my score by 22 points affected my ability to further my education and or apply for further student loans due to my credit score being too low. 

What happened? 
The actions that were taken by Synchrony bank : Synchrony bank closed my account on XX/XX/XXXX after checking my credit score. 
According to Synchrony bank they claimed my score was XXXX on XX/XX/XXXX which they said was too low and that I was a high-risk customer. 
Synchrony banks fear is due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk clientele, which is clearly discrimination of my ability to be a valued client. 
Synchrony bank pulled my credit score from XXXX XXXX Credit Bureau on XX/XX/XXXX which XXXX XXXX gave an inaccurate score of XXXX. 

What company is this complaint about? 
Synchrony Bank ( pep boy credit card ) Who are the people involved? 

Myself Synchrony bank 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 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2020-11-07 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: NJ

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: AZ

Complaint narrative:
I have tradelines not showing up on 2 credit bureaus. All three bureaus are not showing open accounts and it makes it difficult to run an accurate credit pull for lenders because it does not show my full credit report. 

Attached are the accounts that are not reporting to all three bureaus as well as my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have tradelines not showing up on 2 credit bureaus. All three bureaus are not showing open accounts and it makes it difficult to run an accurate credit pull for lenders because it does not show my full credit report. 

Attached are the accounts that are not reporting to all three bureaus as well as my personal information

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 2020-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Tried to submit a check to Bank Of America, under my name but to my husband 's account, they didn't even called or anything and denied to proceed with it, until we found out nothing got done and my husband was charged for it, after fighting about it and submitted 2 claims, they sent us a " Legal copy check '' and I took it to my bank ( XXXX XXXX XXXX XXXX ) and after they did they're investigation, I was told Bank Of America already took the money from the check on XXXX XXXX.. Also contacted my previous landlord ( person who sent me the check ) and he contacted the bank ( XXXX XXXX ) where the check came from and he was told the check was already cashed on XX/XX/XXXX as well.

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 monetary relief
Consumer complaint received 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
There is still reporting on closed account from XXXX XXXX. Account was sold to XXXX in XXXX, yet credit bureaus are allowing the repetitive reporting as follows : 42 charge offs with XXXX, 3 charge offs with XXXX, and 7 charge offs with XXXX. Please review attached screenshots from each credit bureau updated on XX/XX/XXXX. I have disputed this with all credit bureaus, and it is relevant that the bureaus are in violation of FCRA 15 U.S.C. 1681i. In XX/XX/XXXX XXXX took the correct action and deleted account from credit report, and failed to provide an explanation for reinsertion as requested from me, the consumer. Please immediately assist with deleting account from all 3 credit bureaus in an effort to avoid litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed and sent documents of incorrect information on my credit report so many times there is always an issue with them according to them they update info that looks the same as the last report or they report that agency reported it was accurate even with the documents the collection companies tell me they could find my file or unable to sent me documents that verify the debt is mine I have been doing this for a year now and still cant get a solution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DRB-40, LLC
State: TN

Complaint narrative:
In XX/XX/XXXX sent a request for debt verification and a request to stop calling my home, cell and work. As of XX/XX/XXXX they have called 6 times, called my work and even called my XXXX year old mother saying they were searching for me. They are in violation of the FDCPA. 

The most difficult one is knowing the called my XXXX yr old mother worrying her as she thought I was missing. She has a XXXX XXXX and can be frail. This has physically hurt her with her XXXX XXXX and my XXXX is off the charts due to this violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
What is this complaint about? 
My XXXX credit card ( XXXX XXXX ) closed my account due to a high balance on my credit card and that I was over the credit limit by {$79.00}. XXXX credit card fear due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk As of XX/XX/XXXX, I have a balance of {$2400.00} and I have been with XXXX XXXX since XXXX I have never missed a payment never late 30,60, or 90 days. I made all my payments on time ( I enclosed a copy of my payment history from my credit report ) What type of problem are you having? 
The problem I'm having is due to the fact of XXXX XXXX  closing my account my credit score went down 22 points causing me not to be able to apply for other credit due to a low score rating. 
I am attending college and I need to apply for a student loan this grievance of lowering my score by 22 points affected my ability to further my education and or apply for further student loans due to my credit score being too low. 

What happened? 
The actions that were taken by XXXX XXXX : XXXX XXXX closed my account on XX/XX/XXXX after checking my credit score. 
According to XXXX XXXX they claimed my score was XXXX on XX/XX/XXXX which they said was too low and that I was a high-risk customer. 
XXXX  XXXX fear is due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk clientele, which is clearly discrimination of my ability to be a valued client. 
XXXX XXXX pulled my credit score from Trans Union Credit Bureau on XX/XX/XXXX which Trans Union gave an inaccurate score of XXXX. 

What company is this complaint about? 
XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Who are the people involved? 

Myself XXXX XXXX Trans Union

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 2020-11-07 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: MO

Complaint narrative:
Equifax stated in my last complaint that XXXX XXXX XXXX was not reporting on my file. This was a bold face lie. It indeed is reporting. Please see all screenshot that shows you how Equifax lies, reports inaccuracies and doesnt do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LoanCare, LLC
State: TX

Complaint narrative:
This company report that I have 3 different loan under this company but I actually has been only one loan one company 's already deleted form credit bureaus but the other is still pending. This companies has written off in all 3 loans with the IRS as different evictions on the same matter I had report to them this is incorrect or probably tax fraud in the end please locate the order of deficiency form IRS

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 2020-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I got approved for an sba loan for one of my companies, since my business account was unable to be verified, I had the money deposited into a personal navy federal account that I share with my my partner. Navy federal froze the account and all the funds and now we are in a very bad spot. I was transferred to security department and they would not help me and were actually pretty rude. I was told that someone would reach out to me in 3-5 business days but what am I supposed to do until then?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
There is a company called Lvnv Funding Llc the claim that I owe {$630.00} dollars. This is not true this debt is not mine, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has hung up on me twice after hours of waiting and denied my claim twice when my account had a fraudelent withdrawal of {$920.00} on the XX/XX/XXXX. They have done nothing but been unhelpful in getting my money back. I have still been not provided with actual reasoning on why I'm being denied and need further assistance from an institution above them.

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 2020-11-07 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: IL

Complaint narrative:
I sent certified letters to Equifax over 45 days ago and still haven't received any response. I'm really stressed out about these bogus accounts on my report and I've been trying to get my credit repaired since the found out my information was affected by the Equifax data breach.

Company response to consumer: Closed with explanation