vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: TX

Complaint narrative:
I sent a letter to Transunion on XX/XX/XXXX in regards to inaccurate information they are reporting on my credit report. I checked my credit report today and they have not corrected any of this information and they also have not sent me any results back. I tried to get the furnisher to correct it also and they sent me back to the credit bureau who are not investigating. They are in violation of the FCRA by failing to provide results on their investigation, failing to respond in 30 days and failing to conduct a proper investigation.

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 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
Company known as Jefferson Capital Systems has been attempting to collect an unpaid phone bill totalling {$730.00} from XXXX, owed by my deceased father. I have disputed the debt multiple times but they continue to claim that I owe the bill though I have never had a an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: VA

Complaint narrative:
Deletion of XXXX XXXX According to CFPB Lawsuit Case XXXX ; XXXX XXXX violated numerous FCRA Rights XXXX See attached lawsuit. It states that XXXX XXXX must be removed from my credit 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 2022-09-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( 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 2022-09-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( 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 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 2022-09-02 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: FL

Complaint narrative:
I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX Fl XXXX I want all other names on my calendar edit file removed I want any addresses other than the one listed here on my report I want them removed. I have tried to no avail to get my name fixed on my credit file I have submitted copies of my DL and SS and still they have not corrected my name. Equifax has had my name I. Several breaches and just recently admitted to not putting correct information on consumers credit report. I want my name corrected and address and for my name not to be in another breach with any credit bureau.This is in violation of my rights and fair credit reporting act. This is my final resort contacting your office to help me fix this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My score went down tremendously due to suffering identity theft. I have over 50 hard inquiries on my report from someone who was trying to utilize my name and information. I was told by the bureau to submit a complaint. I am desperately seeking help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
The purpose of this complaint is to inform your office of the fraudulent and unethical business practices of Caliber Home Loans ( Caliber. The complaint involves my Forbearance of my mortgage payment due to the COVID-19 pandemic. 

During ALL my communications with Caliber, I have been emphatic about what I was willing and able to do once my forbearance had expired ; resume my monthly payments that I was paying prior to the pandemic, with a final payment for the COVID-19 Forbearance balance due and payable at the end of the loan ( Deferment ). I never wavered from this stance from the beginning, and up to this point. 

It is my understanding that Caliber knew this ; yet what is apparent now, is that they ignored my requests and through gaslighting and erroneously papering the record the are demanding that I pay back the {$26000.00} in bi-monthly, extra payments, or refinance the entire loan at a higher interest rate. 

At this time, I would like to open this complaint against Caliber, and possibly XXXX XXXX XXXX out of XXXX, South Carolina. But, please be advised that I have additional information to provide, and willing to supplement this complaint as needed. 

Thanks 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 2022-09-02 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: VA

Complaint narrative:
Deletion of XXXX XXXX XXXX to CFPB Lawsuit Case XXXX ; XXXX XXXX violated numerous FCRA Rights XXXX See attached lawsuit. It states that XXXX XXXX must be removed from my credit 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 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
My mortgage was transferred to XXXX on XX/XX/2022. 
On XX/XX/2022 I received a welcome letter from XXXX advising me to start my mortgage payment to them. 
Since XXXX didn't provide an online access to my account to make a payment I use my account at XXXX XXXX XXXX XXXX  to pay it. 
XXXX returned my payment on XX/XX/XXXX, stating that account was incorrect, which I believe wasn't true, as I use my account info from the welcome letter. 
Attached proof of payment from XX/XX/2022. 
XXXX held my funds for 8 days without applying these funds to my account, causing financial loss. 
XXXX refused to amicably resolve this payment 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 explanation
Consumer complaint received 2022-09-02 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: PA

Complaint narrative:
I am writing because I am a victim of Identity Theft and Equifax has neglected to remove the fraudulent XXXX XXXX account from my report. I have been trying to have this removed for a long time. I have mailed, faxed and attached the Federal Trade Commission report as requested. I have sent it in multiple times. Please remove this XXXX XXXX account from my report. Thank You. Best Wishes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Venmo is holding {$640.00} of my money, I reached out to customer support regarding the account being frozen. They requested a photo of my drivers license with other steps to unfreeze account. The online process was completed, I took a screenshot of it saying account was successfully unfrozen however I still couldnt use my funds or transfer them. This was the second time in less than two weeks I had this issue. Then I reached out to support again, they wanted another proof of identification and a picture of me holding the identification (? Why ) so I sent that and also changed my password as requested. This morning the customer support said they had to forward it to yet another department and that they will respond in 7 business days regarding my account. They have been holding my money for nearly a week and being unable to transfer it or use it has made me delinquent on other bills I have. Venmo also let me open a debit card with them yet they are withholding my money for unknown reasons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want a copy of my criminal background report from Equifax and XXXX. Pursuant to Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. That means I am entitled to a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX Fl XXXX I want all other names on my calendar edit file removed I want any addresses other than the one listed here on my report I want them removed. I have tried to no avail to get my name fixed on my credit file I have submitted copies of my DL and SS and still they have not corrected my name. XXXX has had my name I. Several breaches and just recently admitted to not putting correct information on consumers credit report. I want my name corrected and address and for my name not to be in another breach with any credit bureau.This is in violation of my rights and fair credit reporting act. This is my final resort contacting your office to help me fix this matter

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 2022-09-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have unauthorized transactions on my Chase business account. Chase never investigated the claims and closed the dispute in less than 3 days. Chase refused to provide documents on what they used to determine those charges were valid. I was told they dont have any because none were used. Under federal law an account review isnt an investigation. They were supposed to submit documents to the business and request evidence that can be used to investigate the claim. My card was stolen. I was out of the country when these transactions took place. No way I couldve been in two places at once. XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Lemonade XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Bank of America opened a credit card and a line of credit in my name ( former name ) using my SSN. I received a debit card in the mail requesting to activate the card. It looks very legitimate but I never opened the account. 
The report of the account shows on my credit report. I opened a dispute with XXXX. 
I tried calling Bank of America but there is only XXXX branch in Idaho in XXXX XXXX XXXX and they directed me to call the fraud assistance line. The fraud assistance line asks for your account number or SSN number. I dont have an account with B of A and not entering my SSN, so also unable to contact anyone to resolve the fraud.

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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Attempting to close a checking account with Citibank. Owed {$15.00} which Citibank will not allow me to pay off using a credit card or external bank account. Whenever I try to link an external bank to ball off the balance, the website logs me out for inactivity ( I was actively clicking around the site ) or tells me repeatedly that there is an online error and logs me out. Forced to call customer support. When I use the automated service and say I want to pay bill and close account, it tells me there is an error and hangs up. Call back, go through it all again to get an operator, tell him I want to close account, put on hold and then phone hangs up.

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 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
this card is closed due to the merchant going out of business, I still owe on the card and can no longer access my acct online to pay it. I have to try and call every month and try to get through their automated system. They also will not set me up on auto pay even though I have asked. No time frame on when we will be able to access our accts online again or when we will be able too set up auto pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 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: FL

Complaint narrative:
Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name : XXXX, XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-02 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:
Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX  ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name : XXXX  XXXX 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 : 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 2022-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had an account with Capital One since at least 2005. I have had money in CDs, XXXX XXXX, and XXXX Account. I have a very high balance currently with Capital One ( over $ XXXX ). Over the years they have steadily decreased the interest rates on their accounts, including CDs. I currently have 2 products with Capitol One -- '' XXXX Savings '' with 0.3 % APY and " XXXX Money Market '' with 0.8 % APY. I just found out today that both of those type of accounts are no longer offered. Now they have a product called " XXXX XXXX Savings Account '' which offers 1.75 % APY. No one in from the company every reached out to me to inform me the specific products offered to me years ago are now different with a significant better interest rate. There is nothing on the website once I log-in to provide me better products. When I am logged into my online account, I can see no other options, such as different accounts ( i.e. savings, CDs, etc ) that have a much better return on investment than my current holdings. When I click " Explore Other Products '' nothing pops-up as an option to increase my investment rate. I have unblocked all pop-up blockers and cleared all my browsing data and cleared my caches. However, when I log-out and do a google search for capital one products, all kinds of different products including the new type of savings account and CDs appear as options for investment. Most ethical and law-abiding banks, will offer or share with the consumer that the customers products are being retired and their are better products and inquire if the customer wants to rollover to the new account. Capital One purposefully did not offer or inform me new products because I was already a loyal customer with a high cash balance. They were not looking into the best interest of their client, but only to maximize their profit. The company is purposefully locking current/old/loyal customers to an inferior product by not allowing them to see new/better products once the customer is logged into his/her account. I have lost a lot money because of Capital One 's practice and have chosen to close my account and file this complaint with CFPB

Company response to consumer: Closed with explanation