vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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:
This Company has failed to validate these accounts its been o we 60 days

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 2022-03-28 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:
This Company has failed to validate these accounts its been o we 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
on XX/XX/2022 I extended my credit to American Express and I was denied and discriminated against! ( Exhibit A ) I also uploaded the letter that I sent to them ( Exhibit B )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Milestone credit card/ MasterCard/ GenesisFS Card Services Inc XXXX Bank of XXXX XXXX XXXX XXXX, XXXX, OR XXXX is reporting wrong information to credit bureaus. They have reported that I havent paid in over 30 days in XX/XX/2022. Therefore they have dropped my credit score tremendously for this incorrect info they hav reported. Not only that, but they are reporting information a month and a half later. This was for XXXX reporting and it is about to be XX/XX/2022. This information is incorrect. I made a payment on XXXX XXXX, so how can I be over 30 days passed due? Somebody needs to look into this company. I also have pictures of statements from them. Showing my information... ..My score has dropped XXXX points on XX/XX/XXXX, XXXX of this. When my score was just increased by XXXX points on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: WI

Complaint narrative:
I was incarcerated for fifteen years and got out and seen someone had lived under my name while I was gone, I reported fraud and identity theft at that time then went to a lawyer because no one would fix the problem, and the lawyer I called advised me to file bankruptcy and that would get these fraudulent items off my credit report but the lawyer was giving me false information just to get me to pay him XXXX XXXX dollars and lied to me because none of the fraud accounts have been removed off my credit report, Ive been fighting this for years and no one seems to care about the facts that I was in federal custody till 2018 and all the accounts were open many years before that year.

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 2022-03-28 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: WI

Complaint narrative:
I was incarcerated for fifteen years and got out and seen someone had lived under my name while I was gone, I reported fraud and identity theft at that time then went to a lawyer because no one would fix the problem, and the lawyer I called advised me to file bankruptcy and that would get these fraudulent items off my credit report but the lawyer was giving me false information just to get me to pay him XXXX XXXX dollars and lied to me because none of the fraud accounts have been removed off my credit report, Ive been fighting this for years and no one seems to care about the facts that I was in federal custody till 2018 and all the accounts were open many years before that year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: WI

Complaint narrative:
I was incarcerated for fifteen years and got out and seen someone had lived under my name while I was gone, I reported fraud and identity theft at that time then went to a lawyer because no one would fix the problem, and the lawyer I called advised me to file bankruptcy and that would get these fraudulent items off my credit report but the lawyer was giving me false information just to get me to pay him XXXX XXXX dollars and lied to me because none of the fraud accounts have been removed off my credit report, Ive been fighting this for years and no one seems to care about the facts that I was in federal custody till 2018 and all the accounts were open many years before that year.

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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I am writing you to inform you of my current situation with Valley National Bank. From the attached, you can see that I have notified the correct personnel about the strong possibility of criminal activity, mortgage and mail fraud, but no acknowledgment of the issue has been given after many requests from me to bank employees from around XX/XX/2018 to date. Illegal actions by all who are referred to may include violations of the 4th and 15th amendments of the United States Constitution, FCRA, XXXX, FDCPA and many more United States rules and regulations. Its seems this has been handled as a normal mortgage situation when it is not. 

The first employee that was made aware of the issue was XXXX XXXX, the mortgage consultant who had been working with me from the time of procurement of my property. He mentioned that he would help and would see what he could do to cancel the mortgage, but stopped answering my emails and calls. Due to this, this situation has progressed into what is attached here. The communication presented here is not exhaustive of all between myself and related personnel. 

I'm requesting that you investigate this mortgage process under loan number # { redacted } to confirm any out of compliance/unreasonable actions by all employees who handled my loan in anyway and have this mortgage debt removed from my credit file/property to avoid any unreasonable actions and distress by the bank toward myself and property due to this possible fraud. 

Please see the below correspondence between myself and Valley National Bank staff in handling of this mortgage. Note, my property has never gone uninsured, but due to the negligence of the referred representatives, I was not aware of any inquiry to send proof of insurance. Most if not all violations I suspect have compounded all fraud I've experienced since viewing the property in 2018. I've come to realize my personal information has been exposed multiple times. To reach me, please email me as this is the best way. 

Employees on Attached Correspondence XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Collections ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Mortagage Dept. ) - Left no contact information Others involved in Mortgage of Property in XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On or about XX/XX/XXXX, a vehicle I financed through Capital One Auto was repossessed. The vehicle apparently was resold at some point, which I was not made aware of by the company. I have contacted Capital One and all three major CRA 's on multiple occasions beginning around XX/XX/XXXX and informed them balances and the historical reporting was erroneous. I was not made aware of the date or amount of the resale. I do know, as does all other parties involved, under PA law, UCC Section 9.506 and State RISA and MVISA statutes " A deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to ''. I still, as of this date do not know when the vehicle was resold, how much it was resold for, nor what I would I be able to redeem the vehicle prior to resell. 
In addition to the Federal Laws violated after the repossession, Capital One and the company 's agent, PA XXXX XXXX violated numerous laws from the beginning, when I first got the vehicle. There were several noticeable violations present which would have nullified the contract from the beginning, pursuant to the Truth in Lending Act, most important being, the right to rescind the contract. As well as, the fraud committed by the company and their representatives, by taking a cash payment as a deposit and failed to mention that my finance charge was all I needed to complete the deal. There were many violations committed by Capital One, and upon contacting them they continued to report this delinquency and repossession on my credit, which such Adverse Action against a consumer is against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: NV

Complaint narrative:
On XX/XX/2021 complainant submitted for a residential property the screening process was conducted by company " Safe Rent Solution fka CoreLogic RPS '' said company Safe Rent Solutions used software owned by " XXXX. '' The information created by Safe Rent Solutions identified complainant as a XXXX XXXX XXXX On, XX/XX/XXXX and caused complainant to be denied, causing complainant psychological harm and damage to personal property and complainant marriage rings, Safe Rent Solution was aware that the information it was creating was not that of the complainant or should had known. Safe Rent Solution used inadequate software which only searches using first and last name, and the software used by XXXX did not reject the information Safe Rent Solution had created which misrepresented the complainant by mixing credit report and criminal background which gives the appearance of the information being correct of consumer. The consumer background check is that of public record and should be maintained as such, as it has proven to be misleading information about consumer. Complainant is XXXX by way of XXXX XXXX XXXX XXXX  and when attempting to speak to personnel employed by Safe Rent Solutions a person name unknown XXXX XXXX  identified himself as counsel for said Safe Rent Solution, XXXX XXXX  made degrading remarks concerning complainants ability to reason, understand or comprehend and stated that complainant couldn't read and he was of less then that of a XXXX XXXX XXXX, these words used belittled complainant making him feel useless and without self esteem, complainant became delusional for months unable to gain a grip on his life feeling isolated and trapped, making complainant feel like a creep and or that everyone was out to harm him and that others were looking at him as a XXXX XXXX XXXX, this caused pain and suffering, complainant submitted a complaint to CoreLogic XXXX the company rejected the complaint however phone communication with XXXX 's Fraud department revealed that company XXXX was working with Safe Rent Solution.

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 2022-03-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have reached out to Experian about 3 times asking them to update my collections account I have on my report from XXXX XXXX. I have paid this account and it is closed. On my credit report it still shows as a open account. I called XXXX  XXXX and they informed me they have already told Experian this account is closed.

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 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX. ) I applied for the Barclays emirates sky rewards world elite Mastercard & the XXXX XXXX XXXX XXXX on XX/XX/2022. 

I was denied credit solely based off of what Barclays responsive statement which is : EXCESSIVE CREDIT APPLICATIONS. 

To say anything is excessive is completely subjective and opinion based only and is NOT a reason to deny my extension of credit. My credit is excellent and I have not had any applications for credit in the past two years. My income annually is over $ XXXX It appears that Barclays is discriminating.

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 2022-03-28 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Hello, we opened a new Southwest rewards card through Chase. One of the benefits of the card is met if we spend {$5000.00} on the card over the first three months. To start off, Chase gave us a low credit line ( {$2000.00} ) for our income and credit scores. Then, when we tried to pay it off some early purchases, I made an initial mistake with inputting our bank information online. After correcting the error, the payment has been processed by our bank on XX/XX/XXXX ( as shown on the attached statement ). Two days later, my wife attempted to pay for a hotel stay, and Chase had not cleared the balance. When we contacted Chase, they refused to honor the payment until the end of the billing cycle. We spoke with a supervisor who said the same thing. When we ask to raise our credit limit, he said we didnt qualify, which doesnt make sense again out of proportion to our income and credit score. This seems to be a blatant attempt by Chase to charge us interest on funds our bank has already processed a payment for and to deny us the opportunity to earn the reward that was the primary reason we started the card for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Redfin Corporation
State: VA

Complaint narrative:
The complaint is about XXXX XXXX XXXX and its website posting an unauthorized, privacy-violating, and inappropriate picture of my home. 

I received an email on XXXX, XX/XX/2022, at XXXX XXXX  from XXXX that shows an unauthorized, privacy-violating, and inappropriate picture of my home showing an open garage, vehicle, and person. I went to their website and typed in my address and the same picture is populated. I am the homeowner and I have not established a service with XXXX to show my home. Therefore, I want them to remove all unauthorized, privacy-violating, and inappropriate pictures ( s ) of my home including but not limited to persons and vehicles. 

Coincidently, while filing this complaint, I went to zillow.com and the same picture is on its website, and now I fear for my safety. The same revealing photo of my home has been uploaded to other websites ( s ) without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2022 I went to the 5th 3rd bank in XXXX XXXX Indiana to cash a check from a customer. The check was for XXXX XXXX  the bank charged me XXXX XXXX to cash the check. They said I would have to open an account there if I didn't want a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
We sent a payment via XXXX through Truist on XX/XX/11 in the amount of {$85.00}. It has been debited through our account but the receiver of the payment has not been paid. We have called Truist XXXX times in the last 30 days, but they have been unable to help us.

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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Recieved notification on XX/XX/XXXX from XXXX  about an inquiry of someone using my info throuch J.P.Morgan chase to get a credit card. On XX/XX/XXXX recieved another notification from XXXX  that someone has been approved for a credit card through J.P.morgan chase XXXX XXXX is working on this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was I believe 2 separate checks that were deposited to my truist account. They put an immediate hold on the both of them. With no offer to release any funds. They put my account on freeze without any notification. I had to call and wait 47 minutes to speak to anyone and still no answers as to why I'm not able to access any funds. After a few days. I contacted the direct branch were I live. And the representative told me that the fraud department has my account on hold and there isn't anything she can do to help. The funds that were sent to me were from a client that I worked for, for over 2 weeks. I haven't been able to get any money or even log into my account. I received 2 letters yesterday stating that the funds were on hold only because my account is new. And it went on to say that the funds would be available on the 30th of this month. I called to ask about the letter and now there saying my account is closed so Im not sure we're the money is supposed to get released to. This is frustrating and leaving me feeling helpless. I am in NEED of money to keep my business running. Please look into this issue for me I've tried every customer service number I could find. And I wish I would of read the XXXX reviews before I opened up an account with this Branch. Please and thank you for your time and consideration.

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 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This involves a debt buying company called National Credit Adjusters. They purchased a closed credit card account from XXXX XXXX XXXX. XXXX closed the account and took it off of my credit report as it was identity theft. I provided ALL of the necessary documentation to have it removed back in XXXX. It was also blocked based on the FCRA section 605B. As soon as I saw this reappear on the credit report through National Credit Adjusters, I immediately disputed it. That was in XXXX. I have sent the information to all three credit reporting agencies AGAIN AND AGAIN AND AGAIN. National Credit Adjusters will not remove this account. I have written them numerous letters over and over again and the only response received is that the credit report adds a statement saying I dispute the account and National Credit Adjusters states VERIFIED AS ACCURATE. They have NEVER shown me the information received from XXXX XXXX to VALIDATE NOT VERIFY the debt. THIS IS NOT A VALID DEBT. XXXX XXXX knew it so why cant this debt buyer follow the same laws and block this from reporting. I have informed them over and over again they are violating FDCPA, FCRA and FACT. They just dont seem to care.

Company response to consumer: Closed with explanation