vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 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: TX

Complaint narrative:
On or about XX/XX/XXXX, I received an alert that a new collection had been added to my Equifax credit file. The amount was for {$200.00}. The credit agency only shows a number, XXXX. The entry does not show an original lender. The account number is listed as xxxxxxXXXX. It shows that the account was assigned on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a certified letter to Equifax requesting them to remove the collection account based on section 611 ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act because it appeared to be the same account that was deleted from my Equifax credit file in early XX/XX/XXXX. The amount, account number, type of debt and assigned date are the same as the account that was removed in early XX/XX/XXXX. However there is no original creditor. I received no notice from Equifax as required by the Fair Credit Reporting Act that this account was being reinserted into my Equifax credit file. The language of 611 ( a ) ( 5 ) ( B ) ( ii ) states : ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to Consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Equifax just sent me notice that they verified that the account belongs to me. When I received the response from Equifax around XX/XX/XXXX, it showed that it was indeed the very same account that was deleted in XX/XX/XXXX. There was no documented proof produced by Equifax proving how the account belonged to me or why the account was reinserted. This is a clear violation of the Fair Credit Reporting Act section 611 ( a ) ( 5 ) ( B ) ( ii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: GA

Complaint narrative:
Im trying to help my son with starting his business and he needed me to cosign for him a business loan. We went to the bank and I was approved because of items on my credit that is not mine. My son has finally got his life together and it hurts me to know that I cant be of help to him. I contacted the police and the FTC. Please remove the items from my credit report. XXXX, XXXX and 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 non-monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
Hello, I recently changed my last name due to marriage. I've tried 3 times to update my name with American Express. I've sent AMEX my new Driver 's License 3 times via www.americanexpress.com/documentcenter. The picture is JPG and is crystal clear. Each time I get a letter from AMEX stating that they can't read it. I'm not sure where the disconnect is, but that is why I have now resorted to the CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase Home Mortgage My mortgage was sold to Chase in XXXX of of 2018. It was set up with an escrow account and I am on time with my payments. I received a tax bill on my home in XXXX, 2018 and paid the tax bill on XX/XX/18. The check posted on XX/XX/18. I realized that I should not have paid the tax bill directly, that the payment would be made through the escrow account, and I called the tax office and asked the check to be returned. They received the duplicate payment from the escrow account but they returned my personal funds to Chase. Chase held back {$3000.00} and refuses to return my funds, saying they have a policy to keep a reserve of {$3000.00} in the escrow account. 

These funds were my personal funds that were duplicated by mistake to the county tax office, should not have been returned to Chase, and should not have been received by them, much less kept by them and not released to me. If they have a policy of holding additional reserves for escrow they should follow that policy and communicate with their clients not confiscate funds that were mistakenly sent to them. They refuse to release the funds back to me that were duplicated to the tax office and mistakenly returned to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: GA

Complaint narrative:
Im trying to help my son with starting his business and he needed me to cosign for him a business loan. We went to the bank and I was approved because of items on my credit that is not mine. My son has finally got his life together and it hurts me to know that I cant be of help to him. I contacted the police and the FTC. Please remove the items from my credit report. XXXX, XXXX and 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 2019-02-09 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:
Im trying to help my son with starting his business and he needed me to cosign for him a business loan. We went to the bank and I was approved because of items on my credit that is not mine. My son has finally got his life together and it hurts me to know that I cant be of help to him. I contacted the police and the FTC. Please remove the items from my credit report. XXXX, XXXX and XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to Capital One on XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/2019. I let a teller know that I was interested in opening a business line of credit. I was informed that XXXX XXXX would come assist me. Upon meeting XXXX, he refused to shake my hand. At his desk, he asked what he could help me with. I stated that I wanted information on how to open a business line of credit. He asked me " Do you even have a business? ". I said yes. He asked what paperwork do I have. As I went through my document holder, he snatched a paper out of it and said " Here it is ''. He then goes to his email and reads off to me I am not eligible for a business line of credit because I did not have an account with Capital One for 3 months with $ XXXX in it. He said this was a new policy. No paperwork was given. XXXX then tells me " I just don't want you to waste your time. '' I took his card and then left. 

I immediately went to a Capital One in another part of town and received assistance and opened a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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:
I have a car loan with XXXX XXXX since XX/XX/XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XX/XX/XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a Reaffirmation Agreement. I negotiated with their Lawyer 's  and received a lower interest rate and lower monthly payment. The Bankruptcy was Discharged XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XX/XX/XXXX time  frame with the last dispute in XX/XX/XXXX. Since this car loan has been paid, on time, since XX/XX/XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a XXXX  representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with Equifax and XXXX and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: NJ

Complaint narrative:
I have a car loan with XXXX XXXX since XXXX XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XXXX XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a Reaffirmation Agreement. I negotiated with their Lawyer 's and received a lower interest rate and lower monthly payment. The Bankruptcy was XXXX XXXX XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XXXX XXXX time frame with the last dispute in XXXX XXXX. Since this car loan has been paid, on time, since XXXX XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a Experian representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with XXXX  and XXXX  and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.

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 2019-02-09 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: CA

Complaint narrative:
This complaint to to address a previous complaint Complaint number : XXXX & Complaint number XXXX There are multiple items that I have disputed however the bureaus XXXX, and Transunion have not removed the items and they did not perform a proper investigation with the creditors in a CDV format in accordence with 15 U.S.C. 1681s-2 ( b ) ( 1 ). I demand proof of the scope of the dispute outlined on a CDV form received by the furnisher. I do not believe that the previous items I disputed which are included below were investigated and I know for a fact that the bureaus never gave me proof of this investigation before so in result I demand all of the items be removed IMMEDIATELY to prevent my legal right to privately SUE the creditors and furnishers. Doing so will take so much time as I have already lost so much time and have been denied credit when I need it to better my life. 

In my previous dispute to XXXX on XX/XX/2019 I also included copies of my ID, Social, and proof of address and on XX/XX/2019 I received a letter from XXXX  stating that in order to process my dispute I will need to send them my ID, Social, and proof of address. They deliberately sent me this letter as a stall tactic to completely ignore my disputes and proper investigations that need to be taken place in order to verify the accuracy of information on my credit report. They gave me other options to send in my id, social, and proof us address such as XXXX they are not allowing me to upload my documents to the system because it is rigged! I have attached this letter into this complaint which serves as total proof that XXXX is not treating me fairly and has not properly addressed my disputes or performed a proper investigation. 





Items I demand be removed US BKPT CT CA XXXX XXXX USBK COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS COURT DOES NOT HAVE ACCESS TO MY RECORDS AND AS PROOF I CALLED THEM TO VERIFY THAT AND THE OFFICE DISCLOSED THAT THEY DO NOT PROVIDE PRIVATE INFORMATION TO THIRD PARTY AND SO IT IS IMPOSSIBLE FOR THEM TO VERIFY THIS ACCOUNT ON MY REPORT SO IT MUST BE REMOVED AS IT DOES NOT BELONG TO ME XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX OH XXXX Phone XXXX I WAS NEVER LATE ON THIS ACCOUNT AND CREDIT HAS NOT PROOF OF SENDING EARLY WARNING NOTICE AND AGREED TO REMOVE ITEM OFF MY CREDIT OVER THE PHONE

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 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At the time of that vanity to gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope I submitting this it will put a stop to this issue from ever occurring

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received letter from Wellsfargo bank dated XX/XX/2019 saying they will close my checking account. They did not give any reason other than some risk management. I did not do anything wrong. I called to complain and they said to refer to their policy. They said they have right to close account. They would not give explanation. Stupid way to do business and inconvenient people without good reason. Wells Fargo should be shut down if this is how they do business.

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 2019-02-09 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: WI

Complaint narrative:
I have reviewed my credit file and noticed the bureau EXPERIAN is reporting The below listed account that was not opened by me, I did not profit from the account having been opened. Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I need them to delete all information which can not be verified. Please have Experian delete XXXX XXXX {$58.00} derogatory remark off my account immediately as it is not mine!

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 2019-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened a savings account on XX/XX/2019 with Ally Bank. That day I deposited a {$10000.00} check using the app. On XX/XX/2019 I received an email that the funds would be available soon. {$200.00} the next business day and {$9800.00} in two business days. On Wednesday XX/XX/XXXX my account was blocked so I called the bank. I spoke with 4 representatives and nobody said they can help me. The last person said there is a hold on the check and I need to call loss prevention the next day. I called loss prevention on Thursday XX/XX/XXXX, They rudely said I was told about the check and they can't help me. 
Today is FridayXX/XX/2019 My account is still blocked. The paying bank of the check said it was cleared on Monday XX/XX/XXXX. Please help me access my funds. 
case # 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 non-monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
At the time of identity XXXX gain access I believe all my personal information including my Social Security number was used to open up account without my permission and my authorization I hope by submitting this it will put a stop to this issue from ever occurring

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 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX I found two unauthorized Hard inquiries on my credit repot 1 dated XX/XX/XXXX XXXX XXXX - I did not authorize 2 dated XX/XX/XXXX XXXX XXXX  -I was told it would not appear as hard inquiry. I was ordering XXXX security monitoring? why a hard inquiry? I am very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
They gave me paperwork to fill out and send back for a temporary forbearance. Which I did. Didn't hear or recieve anything from them for a few months. Then recieve a notice from IRS two months ago ( XX/XX/2018 ) saying they put a offset on my tax return, for failing to make payments. My accountant and the IRS told me to call and work out a earnings based payment plan. I have called Navient seven times since. Today included. Navient staff tells me, that my loan is in default and not assigned to collection agency, so nothing they can do. To call back next week. I am holding off filing my taxes. Lest, my husband have his return taken by these crooks. I obtained this loan prior to our marriage, but my state recognizes it as community property/debt.

Company response to consumer: Closed with explanation