vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have three complaints with Equifax : 1 ) there is a closed account that should be removed 2 ) there is a credit card account that should be added and 3 MOST IMPORTANT There is no way for me to have this resolved online as they tell me I am not me ( do not pass authentication ). And of course, it is because they have outdated or incorrect information!

My biggest issue is that they tell me I must resolve this dispute through the mail or fax and to do so they want me to mail or fax a copy of my Social Security Card and my Driver 's License and to note that it is going to the Credit Dispute Department.

I can not think of any bigger signal to an identity thief than sending these two pieces of information through the mail or on a public fax!!! I can not believe that there is no secure section on their server that can receive this information.

The whole process seems entirely counterintuitive.

The other two agencies have all the correct information so it is Equifax that is holding down my credit rating.

I have spoken to them several times but have gotten no satisfaction or even acknowledgment that this is a faulty and dangerous process for dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
I applied for a car loan through XXXX XXXX and received a letter in the mail informing of being declined for a loan. Not for my XXXX score which is XXXX, but because of my score from a company called " XXXX '' and their score of XXXX. That is a huge difference in my XXXX, XXXX, and XXXX scores. Who is this company and why do they or should they have access to my credit information and where are they obtaining that score, when all other companies and my FICO score, are much higher?

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 2019-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
My husband and I attempted to get our escrow account & payment adjusted due to an overestimation in property tax by Freedom Mortgage. They sent us a refund in XXXX but would not adjust our payment due to our unknown tax amount in XXXX ( due for XXXX ). We received our XXXX property tax during the week of XXXX in the mail, called on XX/XX/XXXX. Spoke with the tax department & they reviewed the tax amounts, verified that their estimation was over what is actually owed. He then called back to customer service, who refused to do an escrow analysis & payment adjustment as " it is not scheduled until XXXX ''. We told them last year that once the tax statement was received, that another analysis would need to be done right then but now they refuse. I do not recommend Freedom Mortgage and wish our loan was not sold to them.

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 2019-04-22 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: IL

Complaint narrative:
Hello, I had an issue with Transunion regarding unauthorized inquiries on my credit report. I spoke to customer service and they were unable to assist me. They said that they could not dispute nor remove them. I explained the situation to them and they were not willing or able to assist me. I need these unauthorized inquiries removed from my credit report. 
XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XX/XX/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 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express Serve is a gangster company perpetrating as a credit card company. This is the second time another company has issued a refund. American Express Serve holds this refund for an average of two weeks. They keep finding excuses for not releasing my refunds. They always blame it on the other company. Both times it is American Express that is robbing consumers. The first time they lied on XXXX XXXX. This time they are lying on XXXX. 
XXXX has released my money ( {$790.00} ). This company stated I wouldnt see it until XX/XX/XXXX. My car note is due today. They keep hanging up the phone on me. These folks are very unprofessional. This company needs to be closed down. American Express Serve employees are taught to lie to consumers. They are taught to use delay tactics in refunding consumers money. Please close this company doors if possible. 
If they are doing a XXXX, a XXXX XXXX XXXX XXXX just imagine how they are doing the average consumers. Something must be done to stop this criminal enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/19, I issued a check to a contractor, XXXX XXXX in the amount of {$2900.00} from my Bank of America ( BA ) checking acct. in payment for some home improvements. In reviewing my online acct., I saw that BA processed the check for only {$29.00} which was {$2800.00} less than it should have processed. In speaking with the BA customer service dept. it was confirmed an error had been made by BA. I asked how long it would take to correct it and I was informed that it would take a while to research ( not the exact words ). Not wanting to delay payment to the contractor, I asked if I could let the {$29.00} debit to my account stand and charge the remaining {$2800.00} due to the contractor on my BA Cash Rewards credit card. The customer service rep. I spoke with said, " you can do that. '' I also knew in using the credit card I could obtain cash rewards so this looked like a viable solution. I notified the contractor and charged {$2800.00} using my BA cash rewards cards. Days later, BA made and adjustment and debited my checking account in the amt. of {$2800.00}. So there is a {$2800.00} debit to my checking and a {$2800.00} charge to my credit card. The contractor said that he only received one {$2800.00} payment as he uses an app called XXXX for writing estimates and  customer receipts only and does have an account with XXXX to receive customer payments. I have called BA numerous times ; depending on who I talk to, when I ask how long it will take to have {$2800.00} credited to my credit card account or put back into my checking account, I have heard different answers. I have spoken in person with the BA representative near my home and after he viewed my accounts he said that this is a credit card issue and he gave me a number for the credit card department One rep. said it would take 'two billing ' cycles to resolve this, one said, '30 calendar days ' and the last representative said it would take 120 days to look into the matter. Given the time I've spent waiting and my limited income, I can't afford to wait four months while BA look into the problem. My banking records are available to them. They have the contractor info. On XX/XX/19 I received an email from BA that said they are waiting to receive some information from me before they can proceed. I called and spoke to a representative and informed her that I had not received a request from BA and she said, the request was mailed to you yesterday. '' I asked her " How could BA expect me to respond to a request that they just made the day before? and she replied, '' That is the way they do business. '' Please help!

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 2019-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: OH

Complaint narrative:
On XX/XX/2019 I went into XXXX XXXX to make a XXXX XXXX card for {$460.00} the bank teller gave me a receipt saying the transaction failed I then went outside to use the atm and it wasn't taking my card either.I went back inside the bank and ask them what happened to my money I called XXXX XXXX the next day after it was posted cash pending for {$460.00} then the next day they said the money was taken off my card. I went back into the bank the following day and spoke with the manager XXXX XXXX. I called XXXX XXXX  and put them on speaker. Both are claiming one or the other has the money. I never received any money from the bank camera 's don't lie. I have faxed XXXX XXXX all the documents that I have concerning this matter.Please help me with this thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
one Bankruptcy chapter XXXX ( public record ) has been reporting under my equifax credit reporting agency,  this public record is not mine, and no matter how i explain to equifax they would not understand, i have even gone to to the courts and they did not have anything under my name, this is an absolute inaccurate information reporting under my name with equifax credit reporting. i have tried to talk to them every time they are very rude and not helpful, they have not been disputing correctly and each time they say it was verified. i would like to know how they have verified that even the court does not have my information please help me out you r are my last hope, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Frontline Asset Strategies, LLC
State: GA

Complaint narrative:
the dedt is not mine they do not have a contract with signature on it and have trying to reach them it derogatory against my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX. I have customers who use CashApp to send payments for products. Cash app advertises a way to send and receive money from friends and family. They have closed my account leaving me no way of getting the money my customers have sent me. I have tried all the ways to get my funds. The Cashapp will not accept any debit cards as it states it should or bank account. I have tried to contact via the phone number they have listed online with no luck. I have called square who owns cashapp and have been told they can not help me. They only give out the phone number that is automated and states there is not a representative to speak to. When you try to get support online this is what happens. Sign in and it says they have to email you a pin. Then when you get the email and put in the pin you get a message that you will get an email with a link to sign in. There is no additional email to login. There is no way of contacting anyone to discuss how to get the funds. They are fraudulently scamming people to use their services in order to keep the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
XX/XX/2019 received a letter from the XXXX XXXX XXXX. I called to inquire, gave them some information then stopped before they could do anything.

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 2019-04-22 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: MD

Complaint narrative:
EQUIFAX CREDIT BUREAU - My credit file information has not been updated since XXXX 2018. I didn't pay much attention to this when I would pull up on XXXX XXXX. I Thought because of the security breach etc. that it was just on sites like XXXX XXXX. 
Recently i went to apply for a mortgage, and the Equifax Report came back reporting outdated information from XXXX 2018 ; and had my overall credit card debt recorded at over {$4000.00} higher than what it was and compared to what XXXX and XXXX should of been. In addition they had a collections on there, that had been canceled. When I contacted the Company they stated they sent Equifax a letter back in XXXX to delete off my credit. 
I have reached out to Equifax on many occasions even by confirmed priority mail and my account is still not updated. I have called several times and each time i get an inept person telling me ; they can't verify my information and i'm not who i say i am. I have sent copies of my SS Card, Drivers ' License and all correct balances. 

I am so frustrated as this has affected my overall interest rate and mortgage application and they are taking their good old time with no Actions to correct and had. Equifax had not updated any of the information ; therefore making my overall monthly debt to income ratio look bad, as well as my overall score lower than what it update.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: CT

Complaint narrative:
These fraudulent accounts on my credit reports have hindered me from supporting my family to the best of my ability and has caused me a tremendous amount of stress, anxiety and embarrassment. My quality of life has severely declined as a result of the constant collections calls, time spent attempting to restore my identity, and back-and-forth with the creditors. Please assist effectively and immediately. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} {$120.00} XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$690.00} {$690.00} XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX  XXXX {$0.00} {$300.00} 0 % Revolving Negative  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$12000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$9700.00} - - Installment Negative XX/XX/XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2019-04-22 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: Bonneville Billing and Collections
State: TX

Complaint narrative:
On my XXXX credit report, it shows two collection accounts that 1. Was paid by an attorney for a car accident insurance settlement 2. I have never received a statement showing that it had not been paid in full by my attorney 3. I believe these accounts were removed from my credit report and have now reapppeared.

The two collection accounts are as follows : A. Bonneville collections for {$240.00} B. XXXX XXXX for {$320.00} I can not get any information from the credit bureau regarding these accounts. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I opened an account with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX that included a checking account and a personal line of credit ( Cash Reserve Account ). Beginning in XXXX, XXXX I placed my first phone call to XXXX requesting to close my account. I asked if I could pay the balance of my credit line and was told I would have to go to a XXXX branch to complete this or transfer the money into my checking account and then pay the credit line, which was about {$5.00}. The closest branch is more than 250 miles from where I live. I asked if I could mail a check and was told that was not possible by at least three XXXX employees or their contracted customer support staff. Instead, I paid a {$15.00} wire transfer fee to transfer the ~ {$5.00} into my XXXX account which I then used to pay my credit line. In the interim, I was charged {$0.00} ( XXXX cents ) in interest. When I called back to close my account, I was told I could not close it because I now owed XXXX cents in interest. Again I asked if I could pay over the phone or mail a check and was told that was not possible and I would have to visit a bank branch. On or around XX/XX/XXXX I called again and demanded that my account be closed, that no interest be allowed to accrue, and that I be given a final total amount due so i could visit a bank branch and pay the amount in full. I was told the account would be closed and no further charges could be made to or from the account, and that I would receive a final bill at some point in the near future with my total amount due and an address where I could send the payment. On XX/XX/XXXX I received a notice stating that my account, including the line of credit, was official closed. The letter stated " No further advances may be made against the Cash Reserve Account ''. Subsequently, two {$5.00} charges were made against the cash reserve account On XX/XX/XXXX and XX/XX/XXXX, which I eventually received notice. I never received the final bill to close the account. On XX/XX/XXXX I called back to settle the matter and was again told I would have to visit a physical branch. I asked to be transferred to a supervisor and was eventually given a PO Box address to which I was told I could send the payment. This is nearly four months after first asking for an address and being told at least six times that was not possible. I demanded that the {$10.00} in charges be reversed and they refused.

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 2019-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SFS, Inc
State: CO

Complaint narrative:
They charge fees that are illegal in Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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:
My information has been stolen and compromised and as a result several accounts are appearing my credit report. Ive reached out to the major three credit bureaus and have gotten any response. Enclosed is the following fraudulent accounts appearing on my report : 1.XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3.XXXX XXXX Acct # XXXX 4.XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # 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 non-monetary relief
Consumer complaint received 2019-04-22 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: Conn's, Inc.
State: NC

Complaint narrative:
Conns Credit Corp has responded to credit dispute and still left late of 30 and 60 showing XXXX/XX/XX/2017. I filed bankruptcy in 2017 and was never late with Conns Credit Corporation. Please have them delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/2018 charges were made in my cars that were not authorized. The charges add up to roughly 5000 dollars. I disputed these charges in the past

Company response to consumer: Closed with explanation