vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/ I noticed that Capital One had put a restriction on both of my credit cards. I have never missed a payment on any of these cards. The last 4 years I always paid off my balance by the due date. I called customer service to find out what this is all about. They told me that the fraud department had put on restriction because in XXXX I had setup payment and then cancelled them and setup payments again. They told me that if I want to take off the restrictions I should send them a copy of these 4 documents. They also to me it can take up 10 days after I submit my documents to remove the restrictions and will call me to let me know.. 

State Government-Issued ID/Driver 's License - one image of the front and one image of the back Social Security Card - one image of the front of the card XXXX XXXX XXXX Statements They emailed me a link on where I should upload these documents. 
I uploaded my drivers license and my social security card. I also uploaded a copy of my internet bill from XXXX. I also uploaded my business checking account statement because that the only checking account I have at the moment ( I have making all my payments through that account. 
On XX/XX/23 I got a call from Capital One that since my bank statement doesn't show my full account number I should sent them a copy a deposit slip. I went and took a picture of a deposit slip and uploaded it to them. 
I called them a week later to check on my status and I was told it still hasent been resolved. I called again last week which was already 4 weeks later and was told again that it hasent been resolved. I was told that he will accelerate it and they will call me when it be resolved.. 
As of to day I still havent heard back anything. 
I have being using one of my credit cards to give to various charity organizations. They would charge my credit card a certain amount .Capital One had put a restriction on my card all charges have been declined. I am getting phone calls from organizations telling me that my credit card has been declined. It been a very embarrassing situation for me for no good reason. 
I asking you to please help me and resolved this ASAP. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I attempted to close my upgrade credit card but the account is still open. I opened the account in early XXXX and attempted to close it initially at the end of XXXX. I have attempted to close the account a couple more times since then. I have not used the credit card at all in XXXX, there are no transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
account open on XX/XX/2023 balance XXXX Transworld systems company trying to collect from me but this not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1. Dueto the covid-19 forbearance program regulations it states that no late payments are to be reported the financial credit bureau during the time of covers forbearance period XXXX Account Number : XXXX This is violation of my rights. please update to never late 2. The following account is not mine XXXX Account Number : XXXX Please remove it from 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 2023-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
To whom this may concern. I am writing a complaint in regards to loan care/Lakeview loan servicing. I have recently made updates to my insurance policy as of XX/XX/2023, which I have updated online for their request. It took them many days to even update the information. We told them that we paid for insurance out of pocket. Almost XXXX weeks later now we have found out that we are were not supposed to pay for our insurance out-of-pocket due to the type of loan we have. 
However, we have spoke to many people at loan care, but never told us this information. 
This is now causing a shortage in our escrow account from them paying the new insurance company {$1700.00} which we already paid!!! 
We have a surplus of money in our escrow account from changing insurance companies and we were requesting an escrow analysis of our account. Which has yet to be done XXXX weeks in. We are owed money from loan care, and we are owed money from our previous insurance and now current insurance company due to loan cares mistake. Its now XXXX and nothing has been done. 
We would like loan care to fix their mistakes and to do the escrow Analysis as they told us they were going to do. They said it only took XXXX to XXXX business days and now we are almost XXXX weeks in waiting on this information. please who do we need to talk to you to get this done? We are owed a refund and we would like this taken care of before the end of the year. 
Thank you

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has now closed 3 complaints today without addressing the issue once again experian gives idiotic explanation that has nothing to do with the fact they now have stolen 18 months of on time never late payments to XXXX and refuse to give them back

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 2023-12-04 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
I unthawed my credit with Experian on the website and despite the confirmation email that the credit was unthawed, My score remained in accessible over the course of the two day thaw. I was unable to set up the cell phone line I had tried twice to do. I was unable to get any help as the customer support line does not connect to useful resources. I tried again to unthaw my credit to apply for the same phone line application but this time, not only did the score not become accessible, but I never got a confirmation email either. I am not comfortable unthawing my credit and waiting till whatever arbitrary timeframe it actually becomes available. since I was a victim in the XXXX data breach. Customer service is non-existent and there is no help to resolve this.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking over my report and seen an derogatory remark on my file my rights have been violated by XXXX XXXX XXXX under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was looking over my report and seen an derogatory remark on my file my rights have been violated by XXXX XXXX XXXX  under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with Fair Credit Reporting Act there is 1 account XXXX XXXX # XXXX and this has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

The account does not belong to me, please the police reports and the fraud reports.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
i checked my transunion credit account and XXXX XXXX XXXX  has two inquiries for XX/XX/2023. One is spelled XXXX XXXX and one is spelled XXXXXXXX XXXX. I only applied for the credit card once on XX/XX/XXXX, XXXX please remove one of the inquiries.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I currently have a personal statement, fraud alert and extended fraud alert listed and showing on my Experian and XXXX credit report. I want the personal statement, fraud alert and extended fraud alert deleted and removed from my Experian and XXXX 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 non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: AMERIS BANCORP
State: CA

Complaint narrative:
Initiated an external transfer from Ameris Bank to another personal account. 
Validated on Ameris ' Banks website FAQ that no fees are charged for external transfers. 
Money was successfully sent but then was charged a 3 dollar fee for the transfer. 
Called customer support and said they can't reverse the fee even though it says it on their website that there are no fees. 
Escalated to the supervisor who said they can do a 1 time courtesy reversal even though the website states no fees associated with transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please see attached fileMake a validation with all of the 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 non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to provide a summary of the issues I have encountered with Experian, as requested. For privacy reasons, I have excluded personal information such as my name, account number, address, and Social Security number. 

On XX/XX/2023, I engaged in a conversation with XXXX representatives from Experian XXXX identified as a manager and the other as an agent in the fraud department. During this discussion, I raised concerns about the verification process of the information on my credit report. The agents were unable to provide details on how the data was verified and asserted that Experian is not obligated to furnish such information. This lack of transparency has led to allegations of negligence and noncompliance. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to maintain accurate and verifiable information. Despite my request, Experian has failed to provide any documentation, such as a consumer contract with my signature, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The conversation on XX/XX/2023, left me with the impression that Experian may be intentionally reporting inaccurate information on my credit report, a clear violation of my right to fair credit reporting. 

As outlined in my previous letter, I have informed Experian of my intent to pursue legal action under FCRA provisions, seeking relief and monetary damages. In this correspondence, I am demanding the immediate removal of specific accounts from my credit report due to continued violations of the FCRA. 

The listed accounts include billing errors and inaccuracies that have significantly damaged my credit score. I have attached a copy of the letter sent to Experian, outlining the reasons for these demands. I have also notified Experian of my intent to file a formal complaint with the Federal Trade Commission and use the provided information as evidence in pending litigation. 

I am reaching out to you to bring this matter to your attention and to request your assistance in ensuring a thorough and expedited resolution. The situation is of utmost importance to me, and I am prepared to take further legal action if necessary.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting 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:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2023 telephone call to Equifax customer service requesting on-line access to my ENTIRE Equifax credit report through the XXXX XXXX. Equifax representative helped gain on-line access to through the Equifax website only, but I was repeatedly unable to tunnel through the XXXX XXXX to get my ENTIRE Equifax credit report in one download or via one print out as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC.
State: CT

Complaint narrative:
I applied for a AXOS Bank business checking account. The application process took months while I gave them very sensitive information. Finally I was approved but then my application immediately cancelled. I find this is very shady and now this " Bank '' has my sensitive information. During the application process, they claimed my XXXX XXXX account was frozen which it was not. When I did check my XXXX XXXX account, I found out that this Axos Bank kept on submitting inquiries with different addresses that were incorrect. I only authorized Axos XXXX XXXX inquiry NOT XXXX! The Initial inquiry is XX/XX/2022 that has an incorrect address that is not mine. Inquiries on XX/XX/2022 and XX/XX/2022 that I DID NOT authorize, has an address that is not associated with my business. Axos Bank DID NOT use the correct address I gave them and have it on the application as a " mailing '' address instead of my business current address. As such, due to these inquiries that have erroneous information and Axos manipulating my application, has cause me to unable to get a checking account since the erroneous addresses are causing a red flag with the banks I am applying with. I believe this Axos Bank is scamming people to get their sensitive information and selling it. Since this application, I have been receiving a high level of spam mail and calls that I didn't have prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting 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 experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my Experian report due to inconsistent and inaccurate reporting.

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