vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-17 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:
The inquiries listed on my credit report are transactions not done by myself. I have made numerous attempts to have them removed, where you responded saying this wasn't disputed on my behalf/ by me.

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-09-17 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: FL

Complaint narrative:
The inquiries listed on my credit report are transactions not done by myself. I have made numerous attempts to have them removed, where you responded saying this wasn't disputed on my behalf/ by me.

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-09-17 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America are liars! ... ..I was told that my loan modification was approved. I have completed the trial payments. The last trial payment was in XXXX according to Bank of America 's paperwork. Since then I have been waiting for the permanent mortgage monthly payment. Every time I call Bank of America inquiring about changing my account to a regular account to pay my mortgage, they hang up on me. 

I need for Bank of America to change the classification of my loan so that I can pay my mortgage.

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am send his letter to explain my situation I went. To XXXX XXXX  XX/XX/XXXX I was staying to XX/XX/XXXX first off all they charged me before I got there XXXX XX/XX/XXXX th XXXX went I got there I didnt no they recharged me whole amount n XXXX deposit that I never even got back when I got there hotel was filthy I called N explained it she was very rude old cigarette buds every where She told me they have workers around around there so I was disgusted then my little boy found a dirty used needle I panicked I didnt no if he poked his self or not his has XXXX XXXX XXXX  my husband terrible upset so I changed my flight n left XX/XX/XXXX like I told manger on duty she told shes very sorry they would take care of all charged she seemed compassionate of the situation so I took her word for it but at all honestly she didnt do anything but charged me more then what I was suppose to pay when I got home so I left with out goin up there Cause she was so nice on phone and I was so upset I just left after I talked to them when I got home I kept callin n callin XXXX her name was she kept saying I told him to call he never would call me back cause carona And also emailed him repeatedly I could of sued that hotel for health violations let alone not refund me as I was told they was going. To when I got home they refused to call me over n over reappeated calls I didnt even stay not half the time let alone the whole time I re bought new flight as Im sending both proofs under no circumstances should I have to pay for there filthy error This was totally unprofessional my account # is XXXX they charged me XXXX, Chase denied my claim I proved I left early n every thing they wouldnt even care to let me explain how I didnt stay there Cause it was filthy I left was still charged whole time asked to speak to manager they kept telling me he will call me he never did ever months went on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one bank prepaid credit card wrongfully and incorrectly reported as due and In collection or charge off for {$3000.00}.

The original amount was {$300.00} and amount over stated with no proof of bank reconciliation statements for full varification of facts based unpon FTC guidelines. Previously filed a dispute and no proof of statement rather just frivolous comment unsupported with monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: NC

Complaint narrative:
unable to get the information I need to get the identity theft stopped. I have tried to resolve this online. Equifax refused me my credit report and I have never put a freeze or lock on this company. I has several address, social security number and names on my report that do not belong. I am also not able to make so many calls to these companies. I am XXXX and believe that someone has opened false bank accounts in my name as well. I have contacted the FTC and Social Security about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-17 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I took out the paid all but XXXX got Ill and couldnt pay it off. My bank closed out my back up debit pay system. Now threatening to have me arrested and sold debt 2 times. Now attempting to throw me in jail. Offered to pay them they refused to send me anything writing. Only would accept debt card or credit card payments refused to identify who they were there mailing address. I never received any letters about the remaining debt and now they want a full XXXX called from unknown number stating if I didnt comply I would be arrested. Called from XXXX gave a case number XXXX hung up on me multiple times and called my ex wife and threaten her she has XXXX XXXX and XXXX called me in tears. Spoke to 4 different people 4 different times. I never received any letters regular post or certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC
State: FL

Complaint narrative:
My wife and I reached out to Low VA Rates ( Utah ) to assist in an Interest rate reduction refinance mortgage loan. Their representatives reached out to our homeowners ' association to confirm a lien free status, as well as a statement attesting to our dues being paid to date. In this request, they included our social security numbers on a release of information form. We have explained to them that our XXXX board merely exists of our neighbors. Through this breach of our personal information, it is now an easier task to obtain a lot more information and also leaves us open to higher risk of fraudulent activity. 

We are now left to wonder whether or not this is the only instance where our information was exposed incorrectly throughout this process. We are only aware of this instance because we were copied on the said request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hi, I have a huge problem with the information giving to me. My name is XXXX XXXX, a fully XXXX veteran of the XXXX XXXX. When I was serving an XXXX loan was taken out and due to myself being injured and unable to care for myself for quite some time, the loan defaulted. I've been contacting Penfed to satisfy the loan and reestablish my account with no further restriction afterwards. I've spoken to multiple people who told me once my past balance was taken care of all restrictions would be removed. For quite some time, all representatives haven't been able to get in touch with the person ( only person Penfed has ) who handles removing restrictions and updating the loan balance XXXX XXXX. I've been calling for a little over a month now, and the supervisor of one of the reps finally got in touch with him and he is now saying that the restrictions wouldn't be removed for me to enjoy Penfed and it's services to the fullest. Not only is the information he's just responding with completely opposite of what i've been told by everyone else, this has created quite the dilemma as professionals. Had Mr XXXX XXXX been available at all during any of this process, information could have been given out among each other accurately. The loan that we're speaking of is outside of the credit bureau reporting timeframe and did not have to be paid at all. It should not be this hard to have this taken care of in such an established organization. I am asking that this be looked into, I was told that upon satisfying this debt that I would not be penalized at all and able to use all services and products. Please allow myself to be removed from all restrictions and able to use all services and I have done what was requested but what I was assured has not been done on Penfed 's end. Also, for XXXX XXXX XXXX to be the only person handling the department he is in, he should be more readily available to handle customer 's needs. The turnaround on emails from his colleagues is crazy. I was told by the representatives of Penfed that after payment, all restrictions would be removed. If this is not true, then illegal tactics were used on me to satisfy a debt that i'm not even sure was even mines. I just wanted to be able to be with Penfed again. This loan is outside of the window for collection by law and I did not have to pay it. I did it because I was assured something that has not happened would happen. This is not good business practices and I was taken advantage of.

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 2020-09-17 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: NC

Complaint narrative:
unable to get the information I need to get the identity theft stopped. I have tried to resolve this online. XXXX  refused me my credit report and I have never put a freeze or lock on this company. I has several address, social security number and names on my report that do not belong. I am also not able to make so many calls to these companies. I am XXXX and believe that someone has opened false bank accounts in my name as well. I have contacted the FTC and Social Security about 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 2020-09-17 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: NC

Complaint narrative:
unable to get the information I need to get the identity theft stopped. I have tried to resolve this online. XXXX  refused me my credit report and I have never put a freeze or lock on this company. I has several address, social security number and names on my report that do not belong. I am also not able to make so many calls to these companies. I am XXXX and believe that someone has opened false bank accounts in my name as well. I have contacted the FTC and Social Security about 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 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
A little over a year ago I opened the discover card app & was offered a program that would freeze my card for 1 year. They agreed to lower my interest rate to help me get my balance down if I agreed to 12 months of automatic draft payments. The app presented this as an opportunity discover was doing to help me lower my balance. They said they would review my account at the end of the year but suggested that if I maintained my payments my card would be reinstated. I agreed thinking XXXX was being kind & reducing interest to help me lower the amount due. A year goes by & I completed their program perfectly. I spoke with a few reps thru their app and they said your account is being reviewed it should be turned back on soon. I called & spoke to that department today. They told me that because of other credit issues on my credit report ( such as medical bills ) they were not able to reactive my account until I took care of those other credit issues. Even though I have been a loyal customer with discover card for 18 years. I have kept up my payments with discover card for 18 years, they are refusing to reinstate my account until debts that have nothing to do with them are resolved. Had I known that Discover was going to do this to me I obviously would have never agreed to their program in the first place. I feel like they tricked me with false Promises to get me to agree to suspend my account & make a year of payments to them. I would have never agreed to this program had it been accurately explained to me. This program should not be offered thru their app but only thru a person as I was completely tricked. Obviously, even though I have been a customer of Discover for over 18 years & even though I have good payment history with them ... they must have considered me high risk and took an opportunity to trick me into a years worth of payments & me agreeing to never be able to use my card again.

Company response to consumer: Closed with explanation