vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX bought my XXXX acct in XX/XX/2020. Every month they checked my credit. Then in XXXX  after missing a payment they did another credit check and in XXXX lowered my credit limit by {$110.00} in turn put my credit score down tremendously. I've been struggling to get that score up for a year. It was XXXX ( I know that isn't very good but it is an improvement ) and since they're stalking my account, it's gone down below 600! I feel this is very unethical considering COVID-19 has put all of America in lockdown!

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 2020-07-15 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: TX

Complaint narrative:
Texas XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX  Inquiry from XXXX  XXXX, XXXX + Auto Financing Classic XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX - XXXX XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX  Dba XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks all ftc violations sent to them 60 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I can not access my PNC checking account to make deposits/transfer funds using the XXXX  service that many financial investing companies are utilizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: AR

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-15 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: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first  established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a chase bank account, and they have blocked my account and debit card. 

I called numerous times and they are unable to verify me by my name, social secruity number, and Driver lciencse number. They always say I am not in their system I always get the message when logging in to provide my SSN but they always reject me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC
State: AZ

Complaint narrative:
The collection agency contacted my mother whom does not live with me or live in the same city as me about the debt, I never received a phone call from the agency prior to this, my mother is the one who called me about this. 

I received my first phone call and spoke with the man who was handling the debt case. He was very brass, not polite nor professional and aggressive while speaking with him on the phone. After this encounter, he has repeatedly called my mother and myself and the phone numbers would be from XXXX NY and then it would come from a number that is local and because my phone number is from a different state than where I live, the number would come from the same area code as my number so they are attempting every tactic to get intouch with me even though we had already spoke. 

On XX/XX/XXXX he called my mother and gave her my personal information and information about the debt. My mother contacted me and told me he called her. I immediately called him and told him it was against the law to give my personal information and the information regarding the debt to someone other than myself. The individual became very aggressive towards me and then started asking me how I pay my other bills and says " I am looking at all your information on your credit report and nothing is late, so how do you pay your bills? '' I explained that I have been very sick since XXXX and on a leave of absence for work and paying this debt was on the back burner just like those affected by Covid-19. This individual started accusing me of fraud and I clearly stated that he is not to contact my mother again and I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: AZ

Complaint narrative:
To whom it may concern, XXXX XXXX XXXX XXXX XXXX purchased my second mortgage as I understand it in XX/XX/XXXX. Statebridge is the servicing company assigned to the loan. 

After almost no contact from Statebridge I hired legal counsel as of XXXX XXXX to assist me in the modification/communication process. Statebridge requested my " wet '' signature on the letter of representation which was provided to them in a timely fashion. Both myself and my attorney have faced a complete lack of response to our many attempts in contacting/communicating with Statebridge since XX/XX/XXXX. My attorney has agreed to and will provide his log of attempted contact with Statebridge. My attorney advised me last week to seek another avenue that is more cost effective rather than continuing to pay his hourly rate as Statebridge refuses to contact him/office. To date we are at 5.5 hours of attempted communication from his office. Both via email and phone. 

Areas of concern : Complete lack of communication/refusal to communicate Payments being processed but not applied to the loan ( I have statements from Statebridge reflecting this ) and can provide bank statements showing funds debited from my account. 

Statebridge issuing a NOI ( Notice of intent ) regardless of payments made to and processed by Statebridge. 

The state of the Assignment of Mortgage. As I understand, it is not in legal form. Please see attached document. 

Refusal to answer direct questions. 

Refusal to accept/process payments. 

Please see attached doc " Statebridge email '' Please see link below for XXXX  : XXXX : XXXX Please see CURRENT ALERTS FOR THIS BUSINESS in link. 

To be quite honest I am completely baffled as to how this company is allowed to continue conducting business. Truthfully I am at a complete loss as what to do at this point. 

I have or can gather any documentation you would like to view. I have a few recorded phone calls of payments being made. Also the call where I was told they could not accept payment in that department and there was no one available to speak to me and someone would call me back ( with no return call ). 

I need help! 

Thank you for you time. 

XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Over the course of the last year Capital One has repeatedly committed malicious fraud against me. They were even forced to close a bank branch permanently for participating. Their apparent habit is to ignore and attack their victims like some XX/XX/XXXX XX/XX/XXXX. I have waited for so long it's insane. I am owed incalculable damages and actual losses from my account ( shown in other complaints ) I want them to stop abusing me a d pay up now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank/ XXXX is reporting inaccurate 30 day late payments on my credit report. I spoke with a representative about why they are reporting over 3 months of late payments. I applied for their hardship program that I'm currently on. I was set up on automated payments that I have been making on time every month. When I spoke with this representative she informed that until I get " current and caught up with the original monthly payment, that It will show as late payments and they will not remove them! This is erroneous!! and I violation to say the least. I am requesting that they remove XXXX and XX/XX/2020 Late payments. I was not late, made the payments on time! They need to be more upfront with their customers and make them aware of what they are getting themselves into when filing for hardship. Hardship programs are supposed to help people not XXXX them over!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Sent me a Platnum Visa pre-approved invitation along with a specific approval number with an allotted amount of time to respond. 

On XX/XX/XXXX I applied using Their own CapitalOne platform for said card and was was denied that card based on a lie. First lie that was told to me was my score was too low and it was not low. Second lie was, they did not have my accurate information. That can not be true because I have a MasterCard with them since XX/XX/XXXX. 

Because of that direct denial my scored dropped 14 points and dropped my scored with XXXX, XXXX  and XXXX. 

I called and mail them correspondence to fix the issue but all I've received from CapitalOne are lies and misleading information. 

I spoke with someone name XXXX ( not sure of the spelling of her name ) on XX/XX/XXXX to fix the pre approved issue and remove the hard inquire from all there bureau and to get a credit increase with my card on file with Capital One, but not only did she lied and try to confuse me. 

She told me that I can not get a credit increase because I'm not being proactive and requesting a credit increase. That is a lie because I've been doing so for almost a year and continue to be denied. I asked her what am I doing that does not qualify me to get what I am asking for and she had no answer for me because I am doing everything right. I make my payments on time and my debt to ratio is exactly where I should be to qualify me for the card I applied for and the credit increased I keep asking for. She advised me to apply for a credit increase and of course I was DENIED! 

Here again, is another company that offer FALSE services to improve my credit and once again instead of doing what is being advertised and offer specifically to me. They did the opposite and destroy my credit instead. 

I've done everything they ask of me but they are not doing what is right and what they are advertising they will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been impacted by covid pandemic. We are unemployed both myself and my husband with no income. We barely have anything to pay home, utilities and food. The company was reached several times. They refused to give me forbearance or deferred on account of a pandemic. This is inconceivable.They are forcing me into making monthly payment with income that I do not have,. I wanted to request deferred for year until things get better hopefully by then I can resume my payments as described. They will force me into income then change the monthly as described in their forms.very deceptive .This is unethical and unjust when I am unemployed due to the covid pandemic. They found loopholes to say they dont fall under cares act. Claiming they are under banking ... This is contradiction, of which all banking institutions have given deferred on mortgages loans and credit cards. How do they justify these loopholes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your 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 2020-07-15 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: TX

Complaint narrative:
XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX  XXXX, XXXX + Auto FinancingXX/XX/XXXXXXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, New   XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX XXXX, XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XX/XX/XXXX- XX/XX/XXXXInquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX - XX/XX/XXXXInquiry from XX/XX/XXXX + Miscellaneous Utilities XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XX/XX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXXXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX9 + All BanksXX/XX/XXXX -XX/XX/XXXXInquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXXXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + All Banks all ftc violations sent to them 60 days ago

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 2020-07-15 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: TX

Complaint narrative:
Texas XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing Ally Financial Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XXXX XXXXXXXX Inquiry from XXXXXXXX XXXXXXXX, XXXX + XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXXXXXX XXXX XXXX XXXX. 
XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks all ftc violations sent to them 60 days ago

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