vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 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: GA

Complaint narrative:
My next step is to file a lawsuit against Equifax for reporting inaccurate information on my credit fie. This is my 7th attempt to get this inaccurate information removed from my credit file. The XXXX XXXX information that Equifax is reporting does not belong to me. I have been trying to get this matter resolved for the past 6 months. Now I will have to take legal action against Equifax for this inaccurate reporting. Equifax has 15 days to remove this inaccurate XXXX XXXX information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: WA

Complaint narrative:
I had a bankruptcy pop up on my credit report that I did not file. I spoke to the courthouse about this matter and they confirmed that they did not verify the identity of the filer and the bankruptcy was closed shortly thereafter. I wound up needing to dispute this bankruptcy directly with XXXX. I did so and XXXX removed the bankruptcy from my personal file and provided me letters and a copy of my personal file to showcase. 

I forwarded all this information on to XXXX  directly via Certified Mail. XXXX  claims to have investigated it and verified it but since they use XXXX and XXXX has already removed it from my file, there is simply no way that's possible. The investigation process appears to be a sham, since the bureaus all list XXXX as their source of public records and I've already taken care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: WA

Complaint narrative:
I had a bankruptcy pop up on my credit report that I did not file. I spoke to the courthouse about this matter and they confirmed that they did not verify the identity of the filer and the bankruptcy was closed shortly thereafter. I wound up needing to dispute this bankruptcy directly with XXXX. I did so and XXXX removed the bankruptcy from my personal file and provided me letters and a copy of my personal file to showcase. 

I forwarded all this information on to XXXX  directly via Certified Mail. XXXX  claims to have investigated it and verified it but since they use XXXX and XXXX has already removed it from my file, there is simply no way that's possible. The investigation process appears to be a sham, since the bureaus all list XXXX as their source of public records and I've already taken care of it.

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 2019-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2019, I was attempting to make a purchase with my Capital One credit card. My card was declined. I logged in to my XXXX app and learned that my credit card account was restricted. I spoke to the customer service agent with Capital One, who informed me that there was a bankruptcy associated with my account. I assured the representative that I had never filed for bankruptcy and that was inaccurate. The representative then transferred me to a supervisor who informed me that someone would get in touch with me in a few business days with the resolution, or I could call to check the status of the issue. The representative, XXXX, said that she would email the bankruptcy department to have them investigate this. 

My account was reinstated so I did not follow up with Capital One at that time. Today, XX/XX/2019, I checked my account to ensure that my auto pay transaction completed as scheduled, and saw that my account was again restricted. I spoke with a representative who told me that I filed for bankruptcy on XX/XX/2019. This is not accurate. I asked for the city, state, etc of the filing. I was told that they did not have that information. I asked for the attorney 's name. I did not receive that information. I was told that they receive information on the filing of a bankruptcy in one of two places : the customer or the attorney. I did not notify capital one of a bankruptcy I did not file. I do not have an attorney. I contacted my local bankruptcy court who confirmed that I did not file for bankruptcy and there was no bankruptcy filed for my social security number, name, or the case number that was given to me. 

I called once again on XX/XX/2019 after speaking to two local bankruptcy courts, and attempted to get more information once again so that I could investigate the bankruptcy allegedly filed in my name. I was told after almost an hour on hold that they could not give me any information without getting the information from the bankruptcy department. The bankruptcy department was already contacted On XX/XX/XXXX, and this information should be readily available to me, the consumer, especially after a previous complaint. This treatment of a customer of over 10 years, with an account in good standing as well as an auto loan that seems to be unaffected by this erroneous problem, is wholly unacceptable and I intend to tell anyone considering doing business with Capital One to reconsider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX, i spoke to XXXX XXXX at Central Portfolio Control XXXX about the judgement lien against the property. 
We have agreed that the debt will be settle for {$4700.00}. Escrow called on XX/XX/XXXX to pay off demand, XXXX gave a pay off of {$5200.00} and must pay this before XX/XX/2019 Cental Protfolio Control is increasing {$520.00} interest rate in 15 days for a balance of {$5500.00}, is this legal? 

my contact info is XXXX, phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank 's credit card advertises zero liability on fraudulent charges. I was able to provided emailed requests to set up cancellation and cancel the service. I did message the vendor XXXX XXXX several times over a few months in email correspondence and they refused to cancel service due to the person who set up the account was the only authorized person to cancel the service. That employee is not with the company and requested no further communication from XXXX XXXX upon discharge of the employee. I am the owner of XXXX XXXX. Citibank did not honor the dispute. I then requested them to stop additional payments to the vendor. They did not. Eventually I requested them to reissue my card to get a different number of the card to stop the charges. The total overcharges were {$440.00}.

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 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We had a short sale contract we presented Shellpoint mortgage company during which time they transferred our loan to XXXX XXXX without our knowledge until a week before our foreclosure date. Shellpoint sent our home to foreclosure and XXXX XXXX would not help us remedy the situation even with a short sale contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: GA

Complaint narrative:
Under the FCRA ( fair credit reporting act ) Experian is required to have a copy of the original creditors documentation to verify that the information they report is mine and correct. I have sent three letters requesting the items that appear on my credit report and that are listed below, be properly verified or deleted. They received the first letter XX/XX/XXXX, the second letter XX/XX/XXXX, and the third letter XX/XX/XXXX. In all their responses they have refused to provide a copy of the original creditors documentation with my signature as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), furthermore ; they failed to provide the method of verification as required under section 611 ( a ) ( 7 ) and merely listed the accounts in dispute as verified and kept these unverified accounts on my report. I have been unable to rent an apartment, apply for home loans or finance a car because of these unverified accounts negatively impacting my credit score. I have been severely hindered and blocked from making progress in my business and financial goals due to the impact of this report. I demand that Experian delete all of the following unverified accounts immediately. 

REPORT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-12-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My wife and I each tried several times to request a temporary unfreeze of our credit reporting from Experian. We each attempted several times online and several times on the automated phone system. Each time we received the message : " We were unable to honor your request to temporarily remove your security freeze based on the information you entered.

Sending us your information To temporarily remove your security freeze, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information [ deleted for this complaint ] '' All information was double checked and accurately entered, but we were not successful. 

Finally, searching the internet, I found similar complaints and, in one posting, a Experian sales phone number. Through that number, I reached a human who with no more information than I had entered, quickly implemented the unfreeze. 

By placing high barriers to the no fee freeze/unfreeze service, the company appears to be driving clients ( especially those with immediate need to unfreeze ) to their CreditLock product which the describe as : " You can unlock your Experian credit report to temporarily allow access to : Lenders and financial institutions who want to view your report as part of processing your legitimate credit application with them. 
Any company, such as an insurer or employer, who requests access for a verifiable reason, such as opening a new utility account in your name. 
It's on-demand security that can come and goinstantlyto help protect your information from prying eyes and cruel intentions. '' This forcing the use of a paid product clearly violates the intent of law and regulation.

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 2019-12-18 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: MN

Complaint narrative:
What happened : XX/XX/19 - setting up an online account with Social Security Admin - blocked & was told that it was due to a freeze on my Equiffax credit account. Was advised to wait 24 hours, contact Equifax to lift the freeze before trying, again to set up the Social Security account.

XX/XX/19 - contacted Equifax about temporarily lifting the freeze on my account. Provided my name, address, phone number and Social Security number. I was then informed that they could not access my account because " some information was missing ''. Was advised to wait 7 to 10 days after mailing the following, additional information : a : copies of drivers license and social security card b : cover letter detailing my request, e.g. account verification, online access to self management of credit freezes.

My Complaint ( s ). 1. ) I am disappointed that the Social Security Administration requires access to Equifax in order to set up online accounts. Considering the Equifax data breach, I would have expected a better solution would have been used. I also find it frustrating that there is no indication of this requirement in a prominent place on the SSAdmin web pages related to setting up new accounts. 2, ) I have been extremely disappointed with all my previous dealings with Equifax. After the data breach I thought they might be forced to clean things up a bit. Having now experienced their convoluted verification process first hand, I see nothing much has changed with how they impede consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the course of overnight processing, Bank of America arbitrarily assigned dates to my account activity. They assigned a date of XX/XX/XXXX to debits and XX/XX/XXXX to credits. I can not emphasize this enough : Close of business XX/XX/XXXX I had a positive balance. Open of business XX/XX/XXXX I had a positive balance. They assigned dates convenient for them which resulted in fees being charged. This must be corrected.

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 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Two Adverse accounts with Ad Astra Recovery Services Inc listed with collection agency, One for {$310.00} and the other for {$3200.00}. These accounts negatively affect my credit file with the 3 Bureaus.

XX/XX/2019 -Sent certified letter to request Validation of Debt to Collector XX/XX/2019- company mailed out statements of debt owed, not Validation.

XX/XX/2019- I sent a 2nd certified letter to collector stating " I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation and also listed case law Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ).

XX/XX/2019-They sent over the same statements failing to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: CA

Complaint narrative:
I am a victim of identity theft. These accounts are not mines

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 2019-12-18 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: GA

Complaint narrative:
Equifax is incorrectly reporting that my year of birth is XXXX. My year of birth is XXXX. 

The following inquiries was not authorized by me. Please assist me in getting these inquiries removed from my credit file. 

XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
I got a new Credit Card and when initially setting up ez pay I put full statement balance being I had a {$0.00} balance at the time. I get a balance transfer after this for $ XXXX/18 months interest free and obviously I dont want to pay the full balance anymore so I change it to minimum payment due. Well instead of changing it they took out the whole {$3000.00} balance transfer I got just a month earlier instead of the minimum payment I had changed it to 24 days earlier. I get a returned item fee from my bank and HBSC who is the credit card company is well it takes a billing cycle to change which I have many credit cards from other banks and no body does that because it makes no sense. No one changes what they want to pay just to have what was initially set up for to come out. No one on earth pays a balance transfer off the next month. They need to get like every other bank in the world and not wait 2 months to take effect. I contacted them and they just read a script about their rules which are beyond stupid. People make purchases during the month and need to change what is coming out since they dont have the money at the moment to pay for it. Its just common sense and common banking or business sense and they dont have any. Besides that the minimum payment also came out along with the {$3000.00} on the day exact day. Its not hard to correct this and change your policies because they are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Responding to a letter dated XX/XX/2019 from XXXX. XXXX US Bank customer Advocacy. In this letter of explanation and justification of allowing US Bank to request Two months mortgage payment before the grace period of 15 days is up ( early issue of mortgage statement ). Which is before a delinquent periodic payment has happened ( incurring late penalties )? Using mortgage banking terms or internal process as part of the 15day grace period, afforded to US Bank Servicing ( yet out of the customer hands ) in effect, do not appear to be per the loan documents and may most likely reduce the grace period at the pleasure of US Bank servicing. It will further allow US Bank justification of collecting late fees for internal process and or common used mortgage terms applications, not common to customers, blaming these processes of a customer mortgage payment being processed beyond the periodic payment period ( late fee after 15days ), justifying collection of a late fee. The loan documents periodic payment becomes past due, or when a late fee may be assessed, on the 16 day following the due date of the 1st. This is stated not only by their loan officer but on the Federal Truth and lending documents as well as on the loan documents themselves. Payments are deemed received by lender when received at the location designated in the note or at such other location as may be designated by lender in accordance with the notice provisions in Section 15. This letter in effect, directs further loan requirements not on the signed loan documents, but rather on the back of US Bank servicing department payment stub which limits or inhibits the 15 day grace period allowed with the loan documents. The 15 day grace period apparently includes industry servicing mortgage terms and or internal processes ( which the consumer has no control over ), according to this 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 2019-12-18 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: CA

Complaint narrative:
I am a victim of identity theft. These accounts are not mines

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 2019-12-18 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: CA

Complaint narrative:
I am a victim of identity theft. These accounts are not mines

Company response to consumer: Closed with explanation