vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: RI

Complaint narrative:
Dear Credit Bureau ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.

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 2021-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
The company has been holding on to the surplus amount of the annual escrow. The statement account they sent dated XX/XX/2021, stated that they would mail the surplus amount under separate cover within twenty business days. When I did not receive it after the stated 20 days I called them in XX/XX/XXXX and they told me that the surplus amount would be sent on Monday XX/XX/XXXX. I called XX/XX/XXXX to ascertain that they had mailed the check, I was told that the check was mailed on XX/XX/XXXX and that I should receive it by the end of that week. On XX/XX/XXXX, I called the company to reverify on the mailing of the check and asked to talk to a supervisor. The supervisor told me that the check went out Saturday XX/XX/XXXX. When I asked why they told me the previous week that the surplus check had been mailed on XX/XX/XXXX, she could not provide an answer. 
I think that the mortgage company has been trying to not issue a check for the surplus amount.

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 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I sold my 2nd home at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX on XX/XX/XXXX. My loan was with Select Portfolio Servicing , INC. My loan # is XXXX. Select Portfolio Servicing Phone # is XXXX. On XXXX XXXX Select Portfolio said to me that they had sent a check to me for the refund of my escrow account in the amount of {$2100.00}. I have called them twice since then and both times they said it was mailed on XX/XX/XXXX. I asked them to re-issue a check or send a wire because the check has to be lost in the mail because its had plenty of time to be here. They have refused to do this. I am entitled to a timely refund of my escrow money. 

My name is XXXX XXXX XXXX. My primary address is XXXX XXXX XXXX XXXX XXXX IN XXXX. My DOB is XX/XX/XXXX. My phone number is XXXX XXXX XXXX XXXX XXXX XXXX. My email address is XXXX. 

Please help. Thank you very much. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
XXXX and Equifax refuses to block fraudulent accounts from my credit file. Ive sent multiple request via us mail. This is my 3rd CFPB complaint. They keep asking for more time. Ive been a victim of identity theft and need these items blocked per fcra. Ive sent in ftc report. im told it isnt clear. Well i can read it clearly. I have NEVER DONE BUSINESS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OR Equifax or any of the following companies listed cant produce a signed agreement with my real legal signature!! 
PURSUANT TO SECTION 605B OF THE FCRA REPORTING ACT and send the required notifications to ALL FURNISHERS OF THIS INFORMATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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:
I received an inquiry alert from XXXX regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
I checked my credit report and Rent Recovery Solutions Say I owe {$6500.00}, but the Court Order Eviction Action Summons that was given to me on XXXX say I owe {$4500.00}. Plus after accruing cost after I return my keys on XX/XX/XXXX, on the final ACCOUNT Statement From the XX/XX/XXXX to XX/XX/XXXX is {$3900.00}. 

Theres no out come that add up to {$6500.00}. so the amount they attempt to collect is Incorrect which is a violation under the FCRA. this account amount not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I submitted an online Credit Card Application for the BankAmericard Secured Credit Card. 

On XX/XX/2021 I received a denial letter from Bank of America, however their letter specifies that I applied for the " BankAmericard XXXX XXXX  XXXX ''. I have attempted to obtain clarification from the financial institution, I have made various telephone calls & provided the reference number located on my letter and apparently there is not one single live agent that can provide me with clarity as to why a person rebuilding credit is being denied for a Secured Credit Card. At that point the agents requested I mail a written request for additional information and reconsideration. 

On XX/XX/2021 I attempted to send written correspondence via XXXX to the address provided by a live agent at Bank of America Credit Card Services. the address provided was XXXX. XXXX XXXX XXXX, VA XXXX with the attention to Credit Department. This letter was returned back to me by XXXX on XX/XX/2021 as, " Return to Sender, Attempted - Not Known, Unable to Forward ''.

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 2021-05-12 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:
I received an inquiry alert from XXXX  regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from discover. I contacted discover and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

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 2021-05-12 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:
I received an inquiry alert from Experian regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from discover. I contacted discover and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

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 2021-05-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX should not be reporting that I am XXXX XXXX XXXX days late on the XXXX account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on accounts with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: PA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX, and the three major credit bureaus XXXX XXXX Equifax, XXXX  XXXX with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: PA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX, and the three major credit bureaus XXXX XXXX XXXX, Experian XXXX with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MA

Complaint narrative:
Hello, I utilize Direct Express, which is part of Comerica, for my direct deposit from my pension from the United States armed forces. I lost my card last XXXX and I attempted to reach out to this institution via telephone. I did not have my card number and the automated system does not recognize anything but numbers so I could not get to live person for help. I live in a XXXX home so my social worker attempted with phone calls and letters and there have been no response. I have over {$18000.00} in this account and I can't get my money to pay my bills. I am XXXX as well and can't use any of this money to pay for my funeral. We reached out to the Federal reserve and they instructed us to make a complaint with you folks as you the supervisory oversight of this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: PA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX Bank, and the three major credit bureaus ( Transunion, XXXX XXXX XXXX with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2019 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

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 2021-05-12 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have sent 2 letters to each of the companies requesting documentation regarding the alleged debt. The first one was sent on XX/XX/XXXX to both XXXX XXXX and MIDLAND CREDIT MANAGEMENT. The second time I sent letters was on XX/XX/XXXX to both of the companies. To this day I have yet to receive any formal documentation validating this debt. XXXX XXXX is reporting a debt of {$880.00} and MIDLAND CREDIT MANAGEMENT is reporting a debt for {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WI

Complaint narrative:
We believe we have been scammed. 
Wanting to lower our payment from {$1700.00} a month to {$1100.00} Amera save mortgage. Took our money for a heafty up front fee {$500.00}. 
Strung us along 5 months now. 
Gave us a low rate, said everything looked good. We were in touch with their closing company. We were going to close by XX/XX/1921. Asked if we should make XXXX payment from current lender in an e-mail. The representative stated we would be good! 
They put us in quiet a situation as now we a payment behind with our current Lender and made it look real bad for a future leander. 
Minor judgement against my home in another person 's name. Was taken care of in a prompt manner. Gone thru numerous people. No return calls or e-mails. Enquired if they were a ligament business yesterday. Today received a decline letter and blocked from ALL types of contact!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have an account on my credit report, CAPITAL ONE XXXX ( opened on XX/XX/2017 ) reporting on both XXXX and XXXX that has not been removed yet. This account has been paid off and not been removed yet. I have tried to dispute this account numerous of times but I have not seen any changes. please remove this account, it is impacting my opportunity to get a home and move forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DISCOVER BANK
State: MN

Complaint narrative:
On XX/XX/2021 someone applied for a student loan under my name. I called Discover Financial immediately and they cancelled the application and I was told they would contact the credit bureaus. I spoke with XXXX and they removed it. XXXX  and XXXX are requesting I complete this form before they remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 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: LA

Complaint narrative:
Theyve been investigating since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: KY

Complaint narrative:
I have a business card and a personal card with American Express. The Business card has no pre-set spending limit and a " pay-over-time '' limit of over {$35000.00}. AMEX lowered my pay-over-time limit, effective immediately, to {$2500.00} without my knowledge and, because of that, has now assessed a minimum payment due of {$3200.00}.

My personal card had a credit limit of {$13000.00} which has now been reduced to {$2000.00} which increased my usage percentage from 9 % to 80 % which has adversely affected my credit.

I will also add that my husband, ( a male, of course ) has a personal card and that has, in no way, been affected, even though that usage percentage is even higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I noticed that a credit card provider ( Citi.com ) had significantly reduced my credit limit and increased my interest rate. 

It occurs to me that they had also increased my credit limit without request or permission the year before. It would seem that since credit card companies can arbitrarily reduce your credit limit that they can then use the justification that your are now using a higher percentage of available credit to raise your interest rates. 

The email notifications are easily overlooked in a flurry of advertisements they send out promoting themselves as well as notices of bill payments, which most people wouldn't open since they are fully aware that they had just paid their bills. 

It seems inherently unfair that a company can not only negatively impact your credit rating by unilaterally reducing your credit limit, but then raise your interest rate due to the impact they initiated, granting other credit providers justification to do the same, thereby creating a credit trap akin to payday loan lenders. 

Please look into this behavior which seems to me to border on fraud and if you agree that, please inform Congress. Just because you notify someone in small print that you have the right to financially XXXX them and will do so repeatedly given the slightest chance, that doesn't make it right. Currently lawful, but awful. 

It boggles the mind when you multiply this injustice by millions of consumers, not only at risk, but currently subject to these unscrupulous practices.

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