vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX Response to complaint XXXX-XXXX  XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit 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 2020-01-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX Response to complaint XXXX-XXXX  XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a Home Equity Line of Credit with a {$0.00} balance at XXXX XXXX. On XX/XX/2020, a representative from XXXX XXXX ( named XXXX ) called and stated that my account would be closed. He stated that a form would be sent to me, which would need to be completed to keep the account open. The form was emailed to me but I did not complete the form. For the next 48 hours, I received multiple calls from aggressive sales people claiming to be from XXXX. 

On XX/XX/XXXX, I called XXXX customer service directly to discuss the situation. The representative informed that someone had attempted to open a home mortgage on my account and that my existing account was not scheduled to be closed. The representative also stated that the application for a new loan would be cancelled and that their security team would get back to me to discuss the situation. Thereafter, a letter was mailed and received on XX/XX/XXXX, which showed that a credit inquiry was conducted and sent to Equifax. This was done without my authorization. No one from XXXX has contacted me since these events.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30 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: PA

Complaint narrative:
XXXX XXXX XXXX  XX/XX/19 shows an inquiries in which on XX/XX/19 I did not apply or request credit or anything from XXXX XXXX. There should be no inquiries been I not applied for any credit increase or a new card. Provide documents where I applied or requested credit from 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 2020-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: WA

Complaint narrative:
I would like to get rid of the PMI insurance on my mortgage as my mortgage is nearly 20 % paid off. 

I attempted to do this several years ago and was told there was no way to do it until it was 20 % paid ( despite the value of the home FAR exceeding the ratio required to drop ). 

Planet Home Lending has made it as difficult as possible to gain any information about doing this. Reading now it looks as though I likely could have dropped the PMI if I got the home assessed, but they never disclosed that in my communications with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
The servicing of my loan was transferred from XXXX XXXX  XXXX who has been servicing my loan under contractual agreement with XXXX XXXX XXXX  to loancare LLC on behalf of XXXX XXXX XXXX XXXX effective XX/XX/2019. My original mortgage documentation reflects that I will not be charged any pre-payment penalty. The notice of servicing transfer that I got from XXXX XXXX also says that the transfer of the servicing of my mortgage loan will not change anything else about my loan. 

This new loan servicing company is now trying to charge me a pre-payment penalty. I never signed any documentation reflecting that I had a pre-payment penalty. I have made numerous telephonic attempts to resolve this issue with Loancare. Each person I speak with insists that this is a legitimate fee. I have been on hold for hours each time I call. I do not appreciate them adding erroneous charges to my mortgage. This is in the least unacceptable and at most illegal. 

Please address this issue as soon as possible as I am sure I am not the only customer that is being abused in this way. 

Thank you in advance for your assistance in these matters of mutual concern.

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Klarna AB
State: CA

Complaint narrative:
Applied for personal loans through XXXX XXXX and/or other credit XXXX apps for free rates/quotes without a hard inquiry. Not approved for hard inquiry and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX Account # : XXXX. 

Mailed XXXX XXXX their equipment on XX/XX/2019. USPS tracking # XXXX XXXX XXXX XXXX XXXX. 

Item marked, " Delivered to return agent. '' as of XX/XX/2019 XXXX NC. 

XXXX XXXX has filed a negative/deragatory " mark '' on my credit report as delinquent/unpaid debt for equipment that was returned months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WA

Complaint narrative:
My card number is XXXX I had bought this card alongwith 2 other cards which worked fine. this card didnt work. When I call the call center, as soon as i enter the card number i am redirected to the call center instead of being told balance or allowed to be set pin etc. 

I told the call center to activate the card and they told me its already active.

I called again and this time the person said he will register the card and it would work after 1 hour. It has been more than 15 hours and it still doesnt work either online or instore. I want to use it on the debit network and I can not even set the pin.

This is standard practice for US Bank and my second complaint in a week, except this time even after calling in they are not activating the card.

I keep getting an error to call customer service and customer service can not see anything wrong with the card. US Bank is again trying to steal money.

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 2020-01-30 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:
XX/XX/XXXX 30 DAY VIOLATION COMMITTED I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 

A DISPUTE LETTER WAS ISSUED ON XX/XX/XXXX AND TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT, REFER TO ATTACHED LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.

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 2020-01-30 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:
XX/XX/XXXX 30 DAY VIOLATION COMMITTED I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 

A DISPUTE LETTER WAS ISSUED ON XX/XX/XXXX AND TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT, REFER TO ATTACHED LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020 I visited the banking center to negotiate a money order I had purchased. The bank teller was not very polite when servicing me. She looked at my item as if it was foreign currency, when it was simply a money order fro XXXX XXXX. After looking at the item, she looked at me with a haste and treated me as if I was a suspicious customer or something. I felt totally uncomfortable when doing business on this day with Bank of America, and it is not the first time or banking center that has made me to feel very uncomfortable when doing business. I have a goals of purchasing a home in the near future, as well as supporting all of my children 's education with investment accounts to meet their future financial needs. 
I attempted to cash or deposit my money order for the amount of {$500.00}

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 2020-01-30 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: KY

Complaint narrative:
I opened a capital One credit card around XX/XX/XXXX and used my card until XX/XX/XXXX when I reported it stolen and fraudulent charges. Capital One agreed to close my card and they did. However they continue to report late payments to the credit bureaus even after I filed and sent them and the credit bureaus a police report. To this date the account was closed in XX/XX/XXXX, however every month since XX/XX/XXXX Capital One has reported late payments but have told me Im not liable. Every month the balance increases by nearly {$200.00}. I would like Capital One to report that the balance has been paid in full as they stated previously. XXXX XXXX XXXX Social is XXXX I do not have the card number so I listed my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One XX/XX/19 & XX/XX/19 showing on my XXXX  Credit Report in which I have not applied for any credit or increase. or new cards. Capital One Bank has no reason to be running credit been I not applied for any new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I just received this following report from my credit monitoring service from XXXX XXXX XXXX ( XXXX ) sent to Equifax : Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

CLEAR ALERT FLAG ALERT DATE : XX/XX/XXXX ACCOUNT : XXXX  - XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : xxxxxxxxx XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX This is an alleged HELOC that was closed on XX/XX/XXXX when my home was ILLEGALLY Foreclosed on in an Illegal Opposed Auction on that date and yet this FALSE report shows this alleged account to be still open. It was closed upon the above dated auction!!! This company XXXX XXXX XXXX   ( XXXX ) needs to report this account to credit reporting as CLOSED UPON FORECLOSURE ON XX/XX/XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a letter from Capital One today informing me of the permanent restriction of my son XXXX XXXX as an authorized user. When I called to inquire as to why he was flagged, I was told by the executive department representative that 1 ) the letter was all the information that they had to offer me. 2 ) That there was no way to contact the office or people that made that decision. 3 ) that the decision was final and I had no other recourse. 

Now, I obviously have a recourse ... I can cancel my card and go to another bank that will hopefully be more forthcoming with information about a decision the impacts by business. 
My son XXXX is my XXXX XXXX   and does all the office ordering. Restricting his ability to do his job affects my entire XXXX XXXX. My simple question as to why they restricted him should be answered by someone. If the reason is legitimate then that is fine, but if it is a mistake ... .it should be reversed. To send me a letter like this and then say I can't speak to the people who made this decision is hard to understand. 

I look forward to your response and I hope that I can get an answer that will allow me to continue to remain a Capital One customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Reviewed my credit report in XX/XX/XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Equifax on XX/XX/XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XX/XX/XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XX/XX/XXXX certified mail so I have proof that they signed for my letter.

Last week I received two letters from Equifax dated XX/XX/XXXX on the same day. The said that they could not locate my credit file and needed me to send proof of identification and address. With all three letters I sent a copy of my Arizona drivers license and my XXXX direct deposit sub as my proof of address. The second letter said that they received my request to be removed from the promotions list and that it was added to my credit file. How did they find my file to add the restriction if they couldnt find my credit file in regards to investigation purposes?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
I currently have a loan with GM Financial, and had noticed that my credit report was not reflecting a payment made since XX/XX/2018. I had contacted GM Financial and was informed that it was a system error and this would be resolved by the end of XX/XX/2018. The problem was resolved for a few months, but now shows that a payment has not been paid to my account since XX/XX/2018. I have asked GM Financial, on several separate occasions, to look into this and get it resolved, as I am unable to refinance my vehicle or even utilize my credit because this is affecting not only my credit score, but also my payment history reported to the credit bureaus. Almost a year and a half later, GM Financial is still not reporting any payments that I have made to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA

Complaint narrative:
First Investors continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.

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 2020-01-30 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.

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 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: IL

Complaint narrative:
ERC - Enhanced Recovery Company continuously harasses me via phone. I've asked that my number be removed from the list and the next day the calls came in more. I get about 10 to 15 calls a day from them. The most recent call was today XX/XX/2020 at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Two issues I have with Capital one. First is I'm paying {$40.00} per month for the past 2 years. that amounts to {$960.00}. The credit bill you took me to court for was {$2000.00}. In all accuracy, my report shows {$1500.00}. Including the Charge/Off ( false reporting ) you are reporting on my credit report. 

I know you are mad because I owe the debt but to lie on my report. I'm going to now to obtain legal representation for false reporting.

Company response to consumer: Closed with explanation