vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I closed on my house around XX/XX/2020. During the closing i was made to signed documents which states that my Mortgage was going to be {$1900.00} Monthly. And i have been making that payment for two years now. Just this month, my Mortgage has been increased from {$1900.00} to {$3500.00}. I called the mortgage company to find out why such a huge increase in my mortgage. and i was to that i have been under paying my escrow. They told me that my Mortgage was supposed to be {$2500.00} at the closing but not {$1900.00} i have been paying for the past two years. which i know is not my mistake for making under payment. I want to know what i can do because i can't afford the new payment of the {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: CORELOGIC INC
State: NY

Complaint narrative:
I noticed unauthorized inquiries on my report. 

XXXX XXXX XXXX XX/XX/XXXX CREDCO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-03-11 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: FL

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
NFCU denied my application for a business credit card after 2 months in review for 2 reasons : credit score below cut off and delinquent credit history. Id be fine with these reasons if they had even the smallest connection to reality, but these are totally false! My credit report is flawless and mentions no delinquent payments, just like my credit score which is close to XXXX points. I reached out multiple times to the credit union in-branch , over the phone and through in-app messaging asking for an explanation. NFCU provided no explanation whatsoever about what the true denial reasons are, provided no copy of the credit report which they used as a basis for their decision and made zero efforts to resolve my concern. NFCUs incompetence in this matter is frightening because it instills deep distrust in their financial organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received several emails from Bank of America stating that an account was opened in my name using my social security number, email address, and home address. I have spoken to bank of America on the phone and also went to their local branch, which is when I found out they had access to my social security and home address, and birthday. The bank instructed me to freeze my credit with the credit Union. My boyfriend froze his as well as a precaution with him being in the same household. We do not know what their intentions are, but are now very concerned knowing they have very personal information. I also received an email regarding changes to my unemployment benefits account which were made. I have not been able to get in touch with unemployment but am questioning that they may be related. The bank of America profile created with my information also stated that I worked for XXXX XXXX XXXXXXXX and I have never heard of or worked for this company before. The name on the profile was XXXX XXXX. I have never heard of this name before either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have made a payment to Barclays Bank in accordance to UCC 3-603, UCC 3-111 , UCC 3-311. They received the payment on XX/XX/22 via Certified Mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
I Noticed Unauthorized Inquiries On My Credit Report. 

Huntington National Bank XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank is declining my claim concerning fraudulent XXXX transfers made from my accounts. Chase has a detailed letter of complaint from me and has decided to deny the claim. I did not make the transfers. 

XXXX XXXX,2022 for {$4500.00} XX/XX/2022 for {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act US DEPT OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MI

Complaint narrative:
TransUnion needs to fix the issues about the inaccurate information for the account and the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry and account that I am disputing : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
someone tried to use my identity to open a capital one credit line. I have a good idea of who it is. I'd like to receive a police report to press charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called and requested a payment extension. I was told if I got a payment extension this would keep the account from being reported as delinquent. I agreed to the extension and I paid the agreed payment on XX/XX/XXXX. On XX/XX/XXXX I received an alert that my account has been reported delinquent by Capital One. When I called their rep. I was told I would have to file a dispute. I was never told that my account would be reported as late I was told if I made and kept the payment extension my account wouldnt be reported as late. My credit score went down 60 points because of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MI

Complaint narrative:
My updated credit report from Equifax was reporting of a inquiry that is not connected to me. The inquiry posted should not be on my report because I have neither inquired nor reached out to this inquiry. If Equifax has made an extensive investigation about this, they should have removed all this inquiry. However, they have not their duties of either confirming the item and/or reaching out to me to notify. Here is the list of the unauthorized inquiry : XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Regarding Chase Auto loanXXXX The loan was for a XXXX XXXX XXXX XXXX I traded the car in at XXXX XXXX XXXX XXXX in XXXX FL. 

Chase has been issued and signed for 3 separate checks from XXXX of XXXX. The have not cashed any of them. They won't tell me or the dealership why. I have called over ten times to try to resolve this issue but I'm getting absolutely nowhere. All Chase says, every time, is that they will open an " investigation '' but they won't give me any sort of reference number for my " case. '' XX/XX/XXXX Chase signed for the first check XXXX  Tracking # XXXX check # XXXX for {$10.00} XX/XX/XXXX Chase signed for the second check XXXX Tracking # XXXX Check # XXXX for {$10000.00} XX/XX/XXXX Chase signed for the third check XXXX Tracking # XXXX Check # XXXX ( the dealer neglected to tell me the amount this time ) Chase keeps sending me late notices, they are hitting me with late fees and causing me endless stress. I worked so hard to fix my credit, I just bought a house and now chase is going to give me a XXXX because they won't cash the dealer checks and clear my loan. 

I'm having daily XXXX I can't focus at work, I'm losing sleep ... I have pleaded with chase to resolve this but I get nothing. 

Chase needs to be held accountable for stress and trauma their neglect and incompetence is causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It is a credit card from Bank of America account no : XXXX. I tried calling Bank of America Credit Card unit, Fraud unit, closed account, charge off and there is no such credit card with my social security number. This is affecting my credit report and I am unable to refinance my house. I attempted to call various departments with Bank of America and have not had any luck resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: TX

Complaint narrative:
I previously disputed an erroneous charge from XXXX XXXX on Date XX/XX/XXXX {$1000.00}. I provided documentation from the merchant stating they would correct these massive billing errors made by mistake. Citi failed to provide documentation from the merchant and only sent letters stating the following : We previously credited your account for this charge. The merchant will not honor our request for credit based on the information you provided us. 
Every effort has been made to secure credit for your account. Since we are unable to obtain compensation from the merchant, your account has been rebilled. 
This is not the process outlined in the XXXX dispute resolution guide. Especially since I provided ample documentation from the merchant including one of their vice presidents apologizing for the error. Yet, no valid reason for the charge was provided by CITI, nor were any merchant responses. CITI claims they provided a merchant response at one point, but that letter does not show up in the center of my document as I am set up for paperless documents. I notified CITI of the errors in not receiving documents, provided screenshots showing the documents in my account as they stated. Citi in turn opened up a trouble ticket and letters began to start being available from that moment forward. To date, I still have yet to receive any other documentation from CITI regarding this charge, with the exception of a letter dated XX/XX/XXXX, which was a debit/credit audit that states the details of the audit are attached. However, there is no attachment. 
The letter further makes the claim that from the XX/XX/XXXX statement through XX/XX/XXXX statement my card was only billed {$480.00}. This is a clear error as the running ledger for this period shows total charges of {$16000.00} and total credits of {$4800.00}, with a total billed amount of {$12000.00}. This represents an overbilling of {$11000.00} from this merchant based off the results of the audit CITI claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I Noticed Unauthorized Inquiries On My Credit Report. 

XXXX XXXXXXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XX/XX/2020 JPMCB Auto/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Im typing this letter as evidence of my attempts to mediate an on-going dilemma between myself and CAPITAL ONE.I find it IMPERATIVE that you intervene as governing party. Since XX/XX/2021 I have contacted CAPITAL ONE by way of phone, fax, email, mail and now through the Consumer Financal Protection Bureau. I have RIGHTFULLY concluded that CAPITAL ONE is and has been willfully negligent in rectifying their affairs. Pursuant 15 U.S Code 1691 ( c ) CAPITAL ONE has assumed liability pursuant 15 U.S Code 1691 ( k ). CAPITAL ONE has discriminated against me as well as violated my federally protected consumer rights. PLEASE REVIEW ATTACHMENTS

Company response to consumer: Closed with explanation