vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
When I apply for a credit card with Capital One, I am instantly rejected due to an invalid Security Alert. XXXX reviewed my credit report and said that I had perfect credit scores and that the Security Alert was fraudulent. XXXX said they had removed the fraudulent Alert after my first application for a Credit Card with Capital One, but when I again tried to apply for a credit card it was instantly rejected, presumably for the same reason. How do I get an accurate Credit Report supplied to Capital One and have my credit restored so that it reflects my correct " perfect '' score of XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had to file bankruptcy XX/XX/2011 due to my partner stealing money from our company. That caused me to have to put my home into the bankruptcy as it was collateralize for a business loan.  On or about XX/XX/2015 , I hired the XXXX  XXXX XXXX  XXXX XXXX , XXXX , to represent me.  During the bankruptcy, we were able to talk to the bank ( TD Bank) and reaffirmed the loan and started a loan modification .  XXXX XXXX   office  assigned me a foreclosure attorney  XXXX XXXX, to help me .  I signed the loan modification XX/XX/2015 , under duress of a short notice to accept the bank offer for a loan modification. I was and in fear that i would lose my home.  I made the payments on the loan modification as agreed from XX/XX/2015 to XX/XX/2017 .  During the that time i paid the home insurance until XX/XX/2017, until we were told that the bank had paid it , in XX/XX/2017TD bank began returning my payments to me saying i was in foreclosure .  Upon investigation i found out that they accelerated my back due monies, that were suppose to be a balloon payment at the end of my loan modification, had sent me statements to pay thousands of dollars to avid foreclosure.  I called and documented every step telling them that they violated the loan modification and i was paying as agreed.  Every attempt to reach someone to discuss it was refused.  I then received a foreclosure notice XX/XX/2019 .  I have documented and attached everything.  I am have been subject to extreme stress and financial expense. The bank has violated may laws and our agreement and i need help.  I have hired additional attorneys and had to borrow money in fear of again losing my home to TD Bank.  I believe they purposefully defrauded me, mislead and confused me in order to falsely put me into bankruptcy to obtain my home.  I need help bringing them to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: MA

Complaint narrative:
There were 4 accounts reported on my Equifax that don't belong to me. Those accounts were negative accounts or delinquent accounts. As a result of that, my FICO score was damaged significantly which prevented me from getting access to many services such as increasing my credit limit, decreased my access to credit cards and not able to finance Iphones with my cell company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Only a couple days after terminating my employment at American Express my credit line was reduced by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is still Reporting monthly that Im late on my loan payment. My loan payment ended 2 years ago and they are still reporting balanced owed. Have asked for verification and nothing has been sent. Have requested it to removed off my credit report and they update balance by XXXX to keep it on my credit.

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 2019-08-06 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: LEXISNEXIS
State: FL

Complaint narrative:
I spoke with a CFPB intake agent this morning. I think her name was XXXX. My call was dropped so I don't know whether she has submitted any type of report already. 

I think it was XX/XX/XXXX or XX/XX/XXXX that I called XXXX because my insurance reates had gone fro $ XXXX  monthly to more than $ XXXX   monthly in the past year or so. I was told that they were just normal rate increases. I called XXXX to get a quote and the rates were much lower. I told them I would switch and they had me hold on while they ran a report. I later learned this was a C.L.U.E . report provided by Lexis Nexis. There was an accident report that belonged to someone else named XXXX XXXX along with another incident that was a hit and run for a rental car that was mine but no claim was filed. 

I declined the much higher rate because of the report and was told I would receive a report shortly. I received the report dated XX/XX/2019. 
The report contained an accident from a XXXX XXXX whose address is XXXX XXXX, with a different insurance company. Not my accident! 

I received a credit report from Lexis Nexis dated XX/XX/2019. This report included 43 additional mistakes on my credit report including the wrong SSAN ( they even provided me with another XXXX XXXX ' SSAN ), wrong addresses, phone numbers, insurance companies, Assessor Records, deed records, marketing records, email addresses and business association records. 

The amount of mistakes is staggering. These are well beyond data entry mistakes. Why are they sending me the SSAN belonging to the other XXXX XXXX? And what about my personal information that is probably on his or someone else 's report? Not only and I am paying higher insurance rates because of this company 's errors but there is apparently no concern for the handling and care of my very personal information or others indicated on my report. There must be thousands of people named XXXX XXXX. So data entries should be made by unique identifiers such as SSAN 's. This is obviously not happening at Lexis Nexis. So I am additionally concerned as to where else my information might be located and there is no way of knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: GA

Complaint narrative:
This is regarding an account listed on my credit report byXXXXL  XXXX XXXX XXXXunder  account # XXXX**** I sent a dispute letter regarding the information that Transunion and XXXX reported re : this account on XX/XX/XXXX and XX/XX/XXXX and both times Transunion and XXXX  responded by stating that they full verified the information on the account as 100 % accurately reported. However this is completely untrue. 

This account is being reported as a balance of {$8300.00} on my credit report however I have documentation ( attached ) from XXXX XXXX showing a balance of {$7600.00} since XXXX of XXXX. As a matter of fact, you can see via ledger that a balance of {$8300.00} was NEVER owed by me to this company. 

What this means is there is absolutely NO WAY that Transunion and XXXX  could have legally verified the information they claim they did and my rights as a consumer were flagrantly violated. 

Also, enclosed documentation also shows the account was opened AFTER the date XXXX has reported on my credit report. Another violation. They also continue to report payment history despite this account being in a charge off status. More violations. 

Also I respectfully demanded proof from XXXX XXXX XXXX  XXXX  that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL No such proof was provided within 15 days from their receipt of my certified mail notice, which means the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a violation of the FDCPA and FCRA.

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 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
It started after i received a collection letter from Southwest Credit Systems on XXXX, it was in reference to an unpaid XXXX XXXX bill in Illinois in the amount of {$230.00}. I immediately contacted the collection company and told them this is not my bill, and that i have not resided in Illinois since XX/XX/XXXX. Then i contacted my local police dept and filed a police report on XXXX for identity theft/fraud. Then i contacted XXXX XXXX and fought with them as they stated the name on the XXXX XXXX account was the same as mine, and that the ss # which they made me verify, was the same as mine. They explained the gentleman 's name was also the same as mine, and told me the acct was opened XXXX, and a women called and closed the XXXX acct out on XXXX. To make a long story short, XXXX XXXX verified the information that i had given to them, they also stated the acct holder had auto debit, and the bills were going to a women in Illinois, but yet they would not clear it. They said to wait 45 days for them to do the investigation, and within less then 30 days, they had already turned this acct over to the collection agency. I did receive a call from XXXX XXXX on XXXX from a man who said he had verified all the info we had given him, and that he had credited the acct, and was going to clear the remaining balance, even though he believes it should not be done, but someone told him to. I was also told they would send me an activity statement, and that they would send documentation to the collection agency that the acct was paid. As of XXXX i called Southwest Credit Agency and they have not received any documentation from XXXX XXXX to Clear this acct. On XXXX, i contacted XXXX XXXX customer service to ask once again for an activity statement, proof its paid off, and for them to notify the credit agency. They refuse to notify the collection agency that this is not our acct, i have also tried to dispute this charge in my credit bureaus and they stated they will not remove it. What happened to the saying, your innocent until proven guilty??? How do i get this off my credit, when it is not my acct. Any help you can give me in this matter would be greatly appreciated. I can not send any documentation since all i have is a collection letter. I do have notes, dates, and people i have spoken to since this has begun back on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Our attachments have all necessary and pertinent contact information for employees mentioned. 

In XXXX, XXXX, we owed Sears/Citi {$10000.00} for a credit card that was issued to me. We could not make monthly payments due to a serious injury, almost fatal fall, and caring for my mother and a mother-in-law with XXXX. The amount was referred to XXXX XXXX XXXX XXXX who sent a letter to me dated XX/XX/XXXX asking for the balance due. 

I called the company and was told by XXXX, XXXX, ext. XXXX, that we could work out a payment settlement. XXXX XXXX XXXX XXXX would automatically withdraw 35 payments of {$280.00} and a 36th payment of {$260.00} that would pay this debt off in three years. We kept our part of the agreement. 

XXXX XXXX, XXXX and Sears/Citi then sent a bill and collection letter for an additional {$5200.00} that they said had accrued in interest since XXXX and that we were still liable for this money. We called XXXX XXXX and spoke Mr. XXXX XXXX, Senior Recovery Manager, and explained this. Mr. XXXX said he would file a complaint for us with his company and Sears/Citi. We called Mr. XXXX, Internal Recovery Unit, Citibank, explained the situation to him and have been afforded no solution. We also wrote to both companies XX/XX/XXXX and have received no resolution. We believe XXXX XXXX and Sears/Citibank are working together to collect more money that is not fairly owed them. We keep receiving bills from Sears/Citibank and a new collection letter dated XX/XX/XXXX from Client Services asking for {$4400.00}. 

Not wanting to hurt our credit rating any further, we have since paid an additional {$940.00} for which we are asking to be refunded to us. 

We received a letter from Citi, dated XX/XX/XXXX, asking us to call them at XXXX because they " require more information regarding your recent inquiry '' and when I did, I was told Mr. XXXX XXXX, Vice President, Citibank, N.A., does not take calls. We spoke to Mr. XXXX, again, who said our complaint was denied but we never received anything in writing. If we were denied, then why ask for more information. We have still not received any written correspondence in reply to our letters and phone calls. 

We have been fair to XXXX XXXX XXXX XXXX and Sears/Citibank but we strongly feel they are working together to charge us more than others in the same situation. They have told us how their process works and it is anything but fair.

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 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The Chase identify verification conundrum - Why I left Chase Closed all my chase accounts too much time wasted, and they cant verify my identify. I've been a customer for over 10years. 

The problem : Chase dont have my cell phone number on file, and they wont accept it even if I give it to them for the OTP, so they cant verify me - so DUMB It all started when I decided to move my checking to Chase ... 
Step 1 : Transfer funds from my existing checking - BLOCKED, pending identity verification Step 2 : Customer service Identify verification requested send OTP to Cellphone, and no matter which cell phone number I provide in the household they cant take it. 
Step 3 : They ask me to go to branch, I did, they still BLOCK the transfer - ask for proof of funds by showing my bank account on my phone, I refused for privacy reasons ( ludicrous - they can ask for it ) Step 4 : I asked to close all my Accounts ( all credit cards ) Step 5 :  They completely block me out - Lost access to online access : " We locked your account to protect it from suspicious activity. '' -- I still wonder what was suspicious about a long time customer when their own process cant verify me as a customer. 

BTW : I tried one more time 3 weeks later -- for online access so that I can pay off my balance and move on. I went through the same steps 1 thru 5 above Chase is so DUMB -  they cant verify identity of their own customer. 

I sincerely hope they can fix this for others. I am now a loyal XXXX customer -- Same process piece of cake, 10 mins and I was done, which took over 20hrs with Chase and I still was unable to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Initially tried to remove a fraud alert on my Equifax report online, but was instructed to call in order to verify my identity. No problem. I call, only to be asked questions I really couldn't remember the answer to some of by someone I had an extremely difficult time understanding, and of course, they were unable to verify my identity. So, next I was told I need to fax or mail the requested documents to verify my identity. I sent the requested documents ( copy of license and social ) by fax on XX/XX/19 to verify identity and have alert removed, received a letter dated XX/XX/19 saying they couldn't verify my identity and requesting the exact same documents I sent. I assumed since I faxed them, maybe something wasn't received, so I sent the requested documents and information again, this time by certified mail on XX/XX/19 which they received on XX/XX/19, only to receive the exact same letter requesting the exact same documents, this one dated XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Texas Guaranteed
State: UT

Complaint narrative:
Trellis Company # XXXX is reporting inaccurately on my credit report. This was included in my chapter XXXX bankruptcy that I filed back in 2016. This account should not be reporting as an active collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: OH

Complaint narrative:
Im writing in regards to an account that appeared on my credit report from XXXX with balance of XXXX something balance. THis is brand new account added on my report i own two XXXX XXXX accounts i do not own this one. 
Also I have multiple inquires that just appeared on my credit report. 
I have not authorized these inquires and they are completely fraudulent. I am victim of identity theft please remove these inquires as they dont not belong to me along with this one XXXX XXXX account. Inquires that are fraudulent are XXXX, XXXX, XXXX  XXXX  XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX This is the fraudulent account please only remove this account Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/2019 Account Status Open Payment Status Current Status Updated XX/XX/2019 Usage 89 % Balance {$890.00} Balance Updated XX/XX/2019 Credit Limit {$1000.00} Monthly Payment {$35.00} Past Due Amount - Highest Balance {$890.00} Terms Revolving Responsibility Authorized User

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 2019-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America # XXXX is reporting inaccurately on my credit report. This was included in my bankruptcy and should not be on there as an active collection. Not to mention the last activity on said account was back in 2012 putting it past the statute.

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 2019-08-06 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: AZ

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a balance of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) I have also attached the letter with confirmation number showing that this account has, in fact, been settled. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. This was included in my bankruptcy and should not be on there as an active collection. Not to mention the last activity on said account was back in 2012 putting it past the statute.

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