vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One incorrectly reported my name to the credit agencies as XXXX XXXX XXXX when it is XXXX XXXX XXXX. This happened months after I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Additionally on their XXXX product they still continue to list me as " XXXX XXXX '' despite my repeated attempts to fix it. After this happened my credit score showed up in XXXX a whole 156 points below that shown on my XXXX  credit report. The only change during that time was my name. I suspect that I will not be able to get a loan until this is fixed. 

When i contacted XXXX they require me to physically mail copies of identifying documents to them to get my name corrected in their system. I assume that Capital One didn't have to mail paperwork for their mistake to carry over. XXXX has also told me that Capital One has to fix things on their end. 

I have discovered that XXXX has that fictitious name on my report as well. I have not attempted to contact them yet. 

My basic complaint is that Capital One blames XXXX while XXXX blames Capital One and NEITHER of them are willing to correct their unlawful mistake on my credit report in anything close to a timely manner. 

I am under the impression that this is a violation of Federal Law and if intentional may constitute discrimination based on my gender identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letters in XX/XX/2021 regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am 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 30days fives a reason to immediately remove those items from my credit report it has been over 45 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 gotten into the wrong hands.

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 2021-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I sent TransUnion a letter regarding inaccurate items on my credit report. Over 60 days after the first letter I sent TransUnion another letter Demanding their response on XX/XX/XXXX. It is now XX/XX/XXXX Over 80 days have passed since I sent TransUnion my initial dispute letter regarding these inaccurate accounts. Section 611 ( a ) states that a failure to investigate these items within 30 days of receiving disputes gives a reason to delete disputed accounts. I have not gotten a response from TransUnion in over 80 days. This is unacceptable of the disregard for FCRA Section 611 ( a ). This process has been difficult for me to take my time to write up letters, and TransUnion disregards the law and ignores my letters is very stressful. I demand these accounts be deleted under FCRA due to the inaccuracies and the neglect of federal Law by TransUnion.

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 2021-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am suffering from being unnaployed due to covid- 19 and underlying XXXX and conditions. My account was overdrawn for XXXX they charged me a overdraft fee followed by another equalling {$70.00} and threaten to do so again in 5 days. I will have money to cover the original overdraft fee but do to being unemployed and XXXX am unable to pay them extended over draft fees.

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 2021-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have had a mortgage with Bank of America since XXXX. The payment was linked to my Bank of America checking account. I refinanced the mortgage in early XXXX. The payment ( approx. {$7600.00} ) was again linked to my Bank of America checking account. In XX/XX/XXXX, the escrow payment was approximately {$100.00} more than the estimated amount. As a result, the next monthly payment ( approx. {$7700.00} ) was slightly higher than the monthly mortgage payment set at the time of refinance ( approx. {$7600.00} ). Instead of informing me of the issue, Bank of America stopped applying the automatic monthly payments to the mortgage resulting in late fees and the mortgage being reported as delinquent. Only when it turned 30 day delinquent, the bank decided to send me a letter. Immediately I called the bank and tried to address the issue. Realizing what had happened, they did reverse part of the late fees and applied the funds sitting in a suspense account to the mortgage to bring it current. For that to happen, I had to make a payment of approx. {$560.00}. They also mentioned that they will clear the issue with the credit reporting agencies. A few days later, I disputed the delinquent account after I saw a significant drop in my credit score ( one was more than XXXX points ). One of the agencies, XXXX, reported that there would be no change as Bank of America stands by the information they passed to XXXX. In this day and age, it's shocking that a Bank with whom I have been banking since XXXX would not bother to call/text/email its customer as the issue arose but would wait for the account to become delinquent to send a letter.

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 monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NE

Complaint narrative:
A man called from XXXX XXXX XXXX on Friday XX/XX/2021, at XXXX stating he was from the Law Office of Mitchell D. Bluhm and Associates , LLC to speak about a personal matter. The man requested to verify my date of birth and last four of my social security number. He stated them as they were listed in his records to me. I stated that I would not be giving any information until I knew exactly what the personal matter was for as I had already mailed a request for validation of the debt they claim I owe. I sent a letter on XX/XX/2021 requesting a validation of the debt they claim I owe to them. I specifically stated in my letter to cease and desist all communication until I had received information back from the office and for 30 days after to review the information. I have not received any information nor the return receipt that I sent with my request. I requested VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. According to my rights the Law Office of Mitchell D. Bluhm and Associates, LLC has violated the Fair Debt Collection Practices Act and Defamation of Character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 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: AL

Complaint narrative:
I recently pulled my credit and found an unauthorized account and many unauthorized credit inquiries. I did not GIVE anyone permission to pull a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Adjustment Company Incorporated
State: NY

Complaint narrative:
I received a text message to my cell phone from a company called CACi saying that they are a debt collector. They want me to reply to receive my account information which I don't want to do in case it's a scammer. I think that if a debt collector is using a method of texting people instead of sending letters or calling them, they may be in violation of the FDCPA as it's harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-26 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I was denied for a mortgage loan and came to find out there is a charge of account on my personal report from American express that I never remembered being a guarantor to. This has totally damaged my credit report and i have disputed this and nothing has been done. They are not able to validate or show any proof that I was a guarantor to this loan. 
This credit report shows the account was opened XX/XX/XXXX and was last reported on XX/XX/XXXX. It has a current balance of {$22000.00}. Original balance was for {$66000.00}. Their remarks states " Charged off as bad debt|Canceled by credit grantor. '' The account number is XXXX. This report can not not be possibly accurate base on the events even stated on the report. You can not report anything on anyone 's report if there is any errors. This has destroyed all my life of getting a home after having been working on my credit for years. This should totally be unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: NC

Complaint narrative:
I was denied for a mortgage loan and came to find out there is a charge of account on my personal report from XXXX XXXX that I never remembered being a guarantor to. This has totally damaged my credit report and i have disputed this and nothing has been done. They are not able to validate or show any proof that I was a guarantor to this loan. 
This credit report shows the account was opened XX/XX/XXXX and was last reported on XX/XX/XXXX. It has a current balance of {$22000.00}. Original balance was for {$66000.00}. Their remarks states " Charged off as bad debt|Canceled by credit grantor. '' The account number is XXXX. This report can not not be possibly accurate base on the events even stated on the report. You can not report anything on anyone 's report if there is any errors. This has destroyed all my life of getting a home after having been working on my credit for years. This should totally be unacceptable.

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 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I would like to made an addition to my complaint ID XXXX which was submitted earlier today, Friday XX/XX/2021. 
I would like to add that the customer service representative from American Express told me my credit score was XXXX according to XXXX, however I have attached a screenshot of today that my credit score is actually XXXX. A full XXXX points above their statement, and this screenshot is also directly from XXXX. Why did they lie to me about my credit score? The service rep was from a call center in XXXX which I also think had an impact on my resolution. 
I have also attached a few screenshots showing Excellent repayment history with AMEX ( through XXXX ) and proof that my current minimum payment has been met, to further emphasize the fact that this {$810.00} payment request from AMEX feels almost like extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Coinbase!!! On XX/XX/2020 around XXXX XXXX my phone service has been turned off and come to find out someone ported my phone number from XXXX XXXX XXXX to a XXXX  number in Ohio at a third-party store. Once they were able to do that they gain access to my Coinbase account and wiped it out. Changed all my passwords to emails, XXXX XXXX XXXX and other. I tried to contact Coinbase and havent been able to get access to my account since. We have communicated via email but Im sure it is with a automated system. I cant log back in and I wanted to know why it was so easy for someone to change my password without my my 12 word phrase. Or showing ID. I recently talk to my lawyer and he told me this was the best way to go about getting some info. I guess no one really knows the policies on cryptos yet, I was told Coinbase was regulate it and I may be able to get my cryptos back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: OR

Complaint narrative:
My father passed away XX/XX/2021 on XX/XX/2021 @ XXXX XXXX  PT I left a voicemail for Novad requesting a all back and for further information on the reverse mortgage, their voicemail states a call back within 48 hours. I called back XX/XX/2021 @ XXXX XXXX PT, left another voicemail. On XX/XX/XXXX after still not receiving a call back I contacted reverse mortgage solutions and the verified the correct number for Novad and advised to contact Novad again, I emailed XXXX XX/XX/2021. XX/XX/2021 after still no response from Novad via email or telephone I again tried calling @ XXXX XXXX  PT, I waiting on hold for 45 minutes to get disconnected, I then immediately sent another email to XXXX, and as of todays date XX/XX/2021 I still haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: MO

Complaint narrative:
Sent evidence to Experian concerning an account I had with XXXX in XXXX XXXX XXXX  showing 31 days late when in fact evidence I sent Experian shows the payment was not 30 days late. Experian refuses to correct the error by XXXX on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very disappointed with Equifax it has been over 45 days and I haven't received results nor a response for a fraudulent account they are reporting on my behalf and this is hurting my report significantly therefore this account needs to be deleted immediately. This is not fair at all because it is greatly affecting my credit report due to these inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have had a mortgage with XXXX XXXX XXXX since XXXX. The payment was linked to my XXXX XXXX XXXX checking account. I refinanced the mortgage in early XXXX. The payment ( approx. {$7600.00} ) was again linked to my XXXX XXXX XXXX  checking account. In XX/XX/XXXX, the escrow payment was approximately {$100.00} more than the estimated amount. As a result, the next monthly payment ( approx. {$7700.00} ) was slightly higher than the monthly mortgage payment set at the time of refinance ( approx. {$7600.00} ). Instead of informing me of the issue, XXXX XXXX XXXX stopped applying the automatic monthly payments to the mortgage resulting in late fees and the mortgage being reported as delinquent. Only when it turned 30 day delinquent, the bank decided to send me a letter. Immediately I called the bank and tried to address the issue. Realizing what had happened, they did reverse part of the late fees and applied the funds sitting in a suspense account to the mortgage to bring it current. For that to happen, I had to make a payment of approx. {$560.00}. They also mentioned that they will clear the issue with the credit reporting agencies. A few days later, I disputed the delinquent account after I saw a significant drop in my credit score ( one was more than XXXX points ). One of the agencies, Experian, reported that there would be no change as XXXX XXXX XXXX  stands by the information they passed to Experian. In this day and age, it's shocking that a Bank with whom I have been banking since XXXX would not bother to call/text/email its customer as the issue arose but would wait for the account to become delinquent to send a letter.

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 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
We paid our mortgage in full as of XX/XX/20 We still have not received any paperwork of the lein release or deed etc.. 
Loancare XX/XX/XXXX sent payoff statement as of XX/XX/20 showing {$0.00} balance Here 's the issue. 1. Their only phone number listed XXXX only gives you balances and NO option to speak with a person. 2. Their websites contact us does not allow you to contact them, no e-mail no nothing! The only thing I was able to find is this sites info ( I'm on now ) ( probably because it's a law ) I we can not contact them how do we find out where our documents are????

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