vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$1200.00}

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 explanation
Consumer complaint received 2020-04-01 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: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly late payments on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account was included in a bankruptcy years ago and has recently appeared on my credit report. This account should not be reporting at all. It is a violation of the Fair Credit Reporting Act to report inaccurate information and this line item needs to be removed from my credit report. I have contacted XXXX XXXX XXXX XXXX XXXX as well as the ( 3 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a phone call from my loan agent because my husband and I were trying to purchase a house and get pre-approved. My loan agent called and said that my credit shows a {$67000.00} mortgage debt. She sent me my credit report and told me to call the company and find out why they are reporting this against me since I did a short sale on the home home in question. I called Mr. Cooper ( which used to go by Nationstar and is showing up on my report as Nationstar ) on XX/XX/XXXX and was hung up on a couple of times with each representative stating that my phone was suddenly losing connection. I finally spoke with someone named XXXX. She asked me for my loan number and I told her I didn't have one because I never did business with Nationstar. She gave me the steps to follow to have this resolved within the company and removed within about a week. I called the number and left a message on the voicemail of XXXX XXXX. He called me right back and stated that they were closing for the evening and he would call the following morning. He issued me a loan number to use for follow up. He did not call the following morning so I called him. He said that he passed the information to his supervisor and has not heard anything from her so he would call or email in a couple of days. It has currently been three weeks and I have heard nothing. With the Covid 19 going on I was being generous and giving additional time but now I am frustrated. I called again yesterday late morning XX/XX/XXXX and Left Mr. XXXX a message and he has not returned my call yet. I'm not sure what the problem is since I have the title documents showing that my sale went through XX/XX/XXXX and they have record showing that the transfer of my loan to them from XXXX  XXXX XXXX was effective XX/XX/XXXX. Its as simple as me emailing or faxing them these documents as proof. At this point, they are the only negative on my credit report. I was advised that by going in house and requesting a credit update so it goes through all of the credit agencies would be smoother and quicker than if I went directly to each credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: MoneyLion Inc.
State: GA

Complaint narrative:
I paid off a loan in XX/XX/2019 # XXXX, Money Lion payment processing generated me a paid in full statement. Months later I'm reported as 30 days late because they had issues with there payment processing. XXXX  and I called Money Lion amd spoke to a representative in XXXX paid this loan in full and was assured they would remove the false 30 day late payment. Now again I took out and paid in total another loan. On my dispute old information has been transferred from XXXX to XXXX ( in my dispute XXXX  # XXXX - There was never a late payment on either loan. Both loans was paid in full before the due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-04-01 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax online service is not working. 

Equifax is not answering the telephones. I have been on hold for 2 hours today. 

Equifax is not responding to a fax request to temporarily lift a credit freeze so I may refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Over the weekend (XX/XX/2020 ), I wanted to unfreeze my credit with the three bureaus. I had no issue with XXXX  or XXXX, and Experian indicated that my credit was unlocked. I saw nothing related to the term " freeze '' and found no search option to investigate further. As such, I indicated to my mortgage company that my application was ready to go. Alas, I was informed that my Experian account was still frozen. 

I returned to the site on XX/XX/XXXX to further investigate and, again, found that my account was unlocked. An attempt to search for an unfreeze option yielded nothing. My mortgage company contacted me today ( XXXX XXXX ) to tell me it was still frozen. 

Multiple attempts to call different Experian numbers, including the one provided by my mortgage company, led to frustration. There was no option to speak to a human being, and one of the lines repeatedly disconnected me. Finally, I contacted Experian via XXXX XXXX. I was provided a direct link to the page where I could unfreeze my account ( experian.com/freeze ), which I did successfully. However, curious, I decided to continue my search on the main site. 

There is absolutely no clear link to this page anywhere. Moreover, I tried to type " freeze '' into the URL after I had logged in on the main page, but this did not work. I had to go directly to that URL and login separately there. 

I messaged the company again about the lack of a link on the main page. The representative told me to look under the heading " Credit Report Assistance. '' After login, there is no such heading or menu on the main page. I finally found something under Reports & Scores -- > Tools -- > Experian XXXX. The link to the freeze page is buried in information about Experian 's fee-based XXXX program. 

Again, I contacted the company via Messenger and was advised that if I go to the main page, I must be logged out. And indeed, this is correct : Credit Report Assistance is visible. However, this goes against how most people use sites where they have established logins. You can not access your account without logging in. Why would I look for the page that will require login without logging in first? 

Access to the page to freeze/unfreeze accounts seems to be hidden or at least difficult to reach purposefully. And it makes sense. It's in Experian 's interest for me not to access it and instead to pay for the XXXX service. Unfortunately, I was unfreezing, so XXXX would have served no purpose. 

The freeze page needs to be listed under the Tools option where it is easily accessible to all.

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 2020-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
AES ( American Education Services ), has an online portal for COVID-19 relief for borrowers, which, despite passage of the CARES Act, still advises that all interest on my federal student loans, will be accrued and capitalized during the forbearance period. Per the language of the recently passed CARES Act, '' Loan Payment Suspension : Suspends payments automatically for federal student loans through XX/XX/2020, with no interest accruing or penalties during the period of suspension. '' So the information on the AES website is misleading, confusing and incorrect as it pertains to students with federally backed student loans. I think AES should have to demonstrate why they still are communicating inaccurate information on its website to customers, despite the passage of the CARES Act as of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I started using Bank Of America Travel card because their travel rewards program on XX/XX/2019. According to their rules and stated on advertisements, you earn double points when you book travel at Bank of America Travel center. I purchased an XXXX XXXX ticket on XX/XX/2019 on the Bank of America Travel center website and they never credited the rewards. ( see attached receipt ) .They credited the normal charge rewards as if i had purchased anything and outside the Travel Center as if I had purchased food or anything not at Travel center. I called in XXXX, then twice in XXXX, every time I was on the phone for an hour or more ( see attached ). I provided copies of THEIR website confirming the purchase, and emailed documents as requested by them. Every time they say they will credit the rewards in 7 to 10 days. This I believe is a fraudulent practice basically getting customers to get tired of calling. I wonder how many victims of this Bank of America fraud are there, but certainly something very wrong is going with this rewards program. They asked for documents of their own website and their credit card and I have provided three times. It is not a lot of money in cash value of XXXX points, about {$58.00} but certainly is theft by Bank of America. Probably they have been stealing millions from other customers not checking the full credit of their rewards.

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 2020-04-01 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: Atlas Services, Inc.
State: IN

Complaint narrative:
On XX/XX/20 I applied for a New car loan through XXXX XXXX XXXX in XXXX, In. The 2 companies that were contacted were XXXX XXXX XXXX and XXXX XXXX service. These 2 companies ultimately denied my applications because of 2 NEGATIVE accounts on my Credit Report. The NEGATIVE accounts are with Atlas Collections and were recently Disputed and resolved through C.F.P.B. As it turns out the 2 accounts were turned into my Attorney to go into my Chapter XXXX Bankruptcy. So one of several things have happened to these 2 accounts ( 1 ) The Attorneys office ( XXXX XXXX XXXX ) paralegal failed to turn the submitted bills into our Chapter XXXX ( 2 ) The Paralegal failed to research the accounts that were applied to my Chapter XXXX and forward the info to the Atlas Collections or ( 3 ) The Atlas Collections company has failed to abide by their statement that they would remove the 2 accounts. ( 4 ) Or all of the above. It is almost impossible for a person to repair their credit when you have companies like this that disregard the law and the customer they supposedly represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX. I was at my daughters yearly doctor appointment when I went Into my online banking account and noticed that {$720.00} was withdrawn from an ATM that was not authorized by myself. I had my card at the moment on me. I reported the fraudulent withdrawal to Chase bank ( J.P Morgan ) they cancelled my card and provided me with a {$720.00} temporary credit. And they filed a report to be evaluated. The first report was denied due to them saying it was a chip to chip transaction and pin being known. They withdrew the {$720.00} credit they previously gave me causing my account to go negative. I provided Proof that I was At my daughters yearly doctors appointment while this transaction was happening. I filed A second review and it was denied yet again. They stated that I have Used the bank which the fraudulent activity happened and the pin was known. Once again I was at my daughter pediatrician appointment 40 mins away while this fraudulent activity was occurring. I have Used that bank which the fraudulent activity happened before as well as many other Chase banks within the area. I have no history of fraud in years and no history of taking excessive amount of money withdrawal from an outside ATM. I always Go inside the bank if Im taking more than {$100.00} out of the ATM. Chase Bank will not reverse the claim and I am At a loss of money even though it wasnt my doing. Someone stole {$720.00} from me even though I provided Proof I was At the doctors appointment at the time this transaction was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My Federal Student Loans were discharged under President Trumps, XXXX XXXX XXXX XXXX XXXX, XXXX Veteran Loan Forgiveness Program on XX/XX/2019. Transunion and XXXX  are still reporting these accounts with an outstanding balance.

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 2020-04-01 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: AR

Complaint narrative:
I was trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some things on my account hurting me. These things to not belong to me. My identity has been compromised. Please delete these things from my 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 2020-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I'm filing a compliant due to the Federal Reg that a company is required to notify the consumer about a decrease credit limit on their acct. I paid my acct in full on XXXX XXXX and the account limit was XXXX ; however, I logged onto the account on XX/XX/2020 and discovered that my credit had been decreased to XXXX. I have called to get in touch with customer service but stayed on hold for 45 minutes and called dropped. Im currently dealing with ramification of the corona virus and this is real sad that Macy 's just dropped my limit without sending me notification within 30-45 days of the change as well as effecting my credit score to decrease dramatically.

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 2020-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have had 2 Capital One for 3 years and 10 mths. I quite utilizing their cards for cards because they allowed a company to defraud me by {$1000.00} and forced me to pay the amounts after crediting and charging me back twice in 3 months. This is still in litigations due to Capital Ones actions.

I have requested credit line increases SEVERAL times over the past 2-3 years. Several times I got denied without written correspondence of reasons why. Last credit line increase I requested 3-6 months ago I was denied because I " do not utilize their credit line efficiently '' I then started utilizing their 2 cards. Last credit line increase I had was 2-3 years ago. I have no missed payments. I ha
ve utilized the card responsibly for almost 4 years. Capital One refuse to increase my credit limit from  XXXX and XXXX. I do not know why I am being penalized. I have attempting building my credit since XX/XX/XXXX when I filed bankruptcy and now Im not adequate or good enough consumer to increase my credit lines. Both cards started at XXXX credit limit and they did 2 credit line increases YEARS ago. I am requesting investigation as to why my credit lines increase requests are not being processed and/or denied without sufficient reasons. I believe I am being penalized because I have filed MULTIPLE complaints against Capital One for allowing XXXX XXXX XXXX XXXX to defraud {$1000.00} from me in XXXX these cards are my longest standing accounts and have been attempting to build credit and utilize these as debt to ratio reasons as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Credit Control reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Credit Control. To that end, I sent a letter to Credit Control. Credit Control has stated that the account was marked as in dispute in XX/XX/2019 ; however, my previous letters to the bureaus reflect that I was disputing this entry. Why then did they wait to dispute when I disputed with them directly. If they verified the entry as reflected on XXXX  report, then Credit Control should have updated the account to reflect disputed at that time not later. That is yet another violation of my rights. Entries should be updated as disputed with bureaus upon the bureaus responding in writing that the company, in this case, Credit Control, verified the entry. 

To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me ; yet they have not. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that Credit Control has no  intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation