vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX of XXXX I called to have a new card sent to me from my credit card company Capitol One.They sent a card to the wrong address which was my old one.Which someone stole from the mailbox which was one of the reasons I moved from there because my mail was getting stolen. This is a {$500.00} limit credit card. Somehow these people were able to pull over {$1000.00} out of my bank account through my credit card I do not know how. But they got my bank information so Capital One paid my bank a payment of 800 and some odd dollars. They were supposed to also load my credit card. Well someone kept ordering a card over and over again every time I would order one they would. So I finally told Capital One to close my account and I would go ahead and pay them off I paid them down to where I only owed {$170.00}. Well I gave it a couple weeks I just called them yesterday and they said I called in on XX/XX/XXXX and reopen my account had a card expedited to me and have had money pulled off my card I told them that was not me. They would not lock my card in any way shape or form so nobody could get it except for me. They would not tell me exactly how this person was giving information to them and this is Capital One a big company I was shocked because they kept putting money on my account. It was just a huge mess and has been and somebody is still messing with the account right now they won't do anything about it I don't know what to do. They keep locking me out of the app so I can't send you guys screenshots. Anytime I call they tell me that they are putting me through to a supervisor and I have been hung up on and I have been told I'm talking to supervisor but then after a short conversation then told that the person was not the supervisor and they were going to get the supervisor it has been crazy.I got to the part where u asked for the card number the THIEF 'S keep ordering new cards i have no card if u call and ask for my account by name they will say i font have one but here is my social XXXX youll need it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 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: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I am requesting my mortgage services to report my payments to the credit bureau. My servicer is Specialize Loan Servicing. I contacted them last month requesting my payments to be reported to the bureaus. I was told that on record it shows that I filed a chapter XXXX bankruptcy. I did file a chapter XXXX in XXXX which was discharged in XXXX. Also. I know by law that cant report but in XXXX my husband and I filed a chapter XXXX repayment plan. We paid our mortgage through the plan and received a discharge in XXXX. I spoke with my attorney about why the mortgage company wasnt reporting my payments. My attorney office states once we received our discharge the mortgage company should be reporting my payments to the bureau. Im trying to get some much needed repairs do e on my home and each time I try to get a loan Im told I dont have a long history of payments. That is ridiculous because Ive been paying a mortgage since XXXX! The problem is theres no record on my credit report.Last week I sent XXXX documents to prove I have a mortgage. Their investigation didnt change anything. So, basically thats why Im sending this complaint to this office.

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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

Complaint narrative:
When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : XXXX XXXX XXXX XXXX # XXXX, XXXX Account XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal, as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collins Asset Group, LLC
State: OH

Complaint narrative:
I was never notified either written or by phone of this debt and the amount for a phone bill doesnt add up. I was never given a summary of charges or even know what I am being charged for!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have two accounts with Bank of America. I get regular emails, text and all sort of communications from them. 

I never got a notice that I was an overdraft in one of them ( small amounts, mostly recurring fees from the bank itself ) However, I did get a notice they were closing my account. 

How come they do not contact me to alert me that the account was low, but they DID contact me to close the account ( and collect the small 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 2021-05-05 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: CT

Complaint narrative:
When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX 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 2021-05-05 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: CT

Complaint narrative:
When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX 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 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed two claims with my bank ( Bank of America ) one was for XXXX and the other was for XXXX I went on vacation and came back home and checked my online banking app to see XXXX cash and XXXX transactions that were not made by me I called the bank to resolve this and file a complaint they paid me my first refund of XXXX I believe and still to this day have not gave my XXXX refund back yet its been XXXX business days this is ridiculous I should have to worry about my money being stolen from my bank which is supposed to protect my money. I have kids and a car to pay of and rent to pay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05 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: FL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, an additional principal payment of {$440.00} that was originally paid on XX/XX/XXXX was reallocated to my escrow account. This resulted in the interest for XX/XX/XXXX being recalculated. On XX/XX/XXXX, an additional principal payment of {$440.00} that was originally paid on XX/XX/XXXX was also reallocated to escrow. These changes were made without my knowledge and without any explanation from the mortgage company. I notified the mortgage company about these items on XX/XX/XXXX and XX/XX/XXXX, the first days these transactions were visible on my account. 

It needs to be noted that my Escrow was set to be closed on XX/XX/XXXX. I requested this in XXXX due to an inability of the mortgage company to pay my home insurance premium timely and correctly, even though there were more than adequate funds and they received an invoice with more than enough time to send the premium payment. There was never a shortage of funds in my escrow account and there were no escrow advances that needed to be covered. 

When I called the mortgage company on XX/XX/XXXX and XX/XX/XXXX, I also pointed out the need to quickly address the problem due to the Escrow being closed and the funds set to be dispersed. I was assured that it would not be a problem and the issue would be corrected before escrow funds were sent to me. 

I made followup calls on XX/XX/XXXX, XX/XX/XXXX and XXXX. The issue was never corrected. I received the escrow dispersement check on XX/XX/XXXX and submitted a principal payment of {$890.00} to account for the two principal payments that were incorrectly moved to escrow earlier in the month. This payment was applied on XX/XX/XXXX. I spoke with a representative again on XXXX to re-request that the funds be re-applied to the original dates they were paid ( XXXX and XXXX ) and that interest be re-calculated based on the original payment dates. As of today it has been XXXX days since the original mistake was made and I still do not have an ETA on when this will be fixed.

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

Complaint narrative:
In mid XXXX, I was in the home buying process. My wife and I had great credit according to the loan XXXXXXXX, however I was told Equifax had placed a freeze on my account that I had no knowledge of. I called them and they told me I had to verify my identity by sending personal documents, because my social was under someone elses name, and there was no credit history in my name ( have had credit card for years ) I faxed these docs in XXXX, multiple times, and mailed them. I had do manual underwriting on my mortgage loan or else I would have lost the house because of Equifax. The last week of XX/XX/2020, I was told my documents were finally received and that the issue was fixed, and to wait XXXX months to see a score appear. Flash forward to now, I call Equifax, they tell me I have NO CREDIT HISTORY again. And I have to send in My personal documents, AGAIN. My problem was never fixed apparently. There are multiple other people who have had this problem. My wife and I have a home improvement loan, a mortgage, and credit cards. I have not had an issue with other credit bureaus. I feel like my life is being held XXXX by Equifax, I wont be able to get any type of loan in just my name despite having a responsible credit history because Equifax wont fix my report and still thinks I dont exist.

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

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly XXXX and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

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

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly XXXX and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

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

Complaint narrative:
Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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

Complaint narrative:
XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: TN

Complaint narrative:
These numbers have been contacting me for a total of 35 days, and I have tried to get them to stop contacting me. I am on the do not call registry, and I do not owe any debt to the company registered under these numbers, or any company for that matter. The numbers are XXXX XXXX, XXXX XXXX, XXXX XXXX. I am not sure if these numbers are registered under the same company, but I know that the first one is Afni Inc . They threatened me with arrest, and threatened to lower my credit score, which I know is illegal. Thank you.

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

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. 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 fix this however, I have not been successful.

Company response to consumer: Closed with explanation