vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX increased our monthly payment amount on our mortgage late in 2019 to approximately {$2700.00}. The changed occurred in XXXX, and we were not aware of this change. We consistently paid in excess of the previous monthly amount. Prior to the change our monthly mortgage payment was approximately {$2500.00}. We would pay anywhere between {$2700.00} and {$3000.00} a month. I believe we paid {$3000.00} in XXXX. Again, because we paid {$3000.00} the payment change went unnoticed. In XXXX we paid {$2700.00} thinking our payment remained at the {$2500.00} amount. XXXX  XXXX  did not apply the amount and we were not aware that we were short {$70.00} until the account went 30-days late. Once we discovered the issue it was immediately correct. 

It should be clear to any reasonable person what occurred with this situation. The change in our monthly payment happened so late in the year it was not expected. We thought we were paying in excess of the monthly amount due in XXXX. 

We are disputing the 30-day late notice on our credit report for this reason.

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 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In reference to : Capital One Case : XXXX CFPB Case : XXXX This new complaint is in connection to the previous complaint submitted above. Capital One did an investigation that was done improperly, not thorough and did not contact me as requested within the original complaint. It was clear in the complaint that it could not be solved without contacting me due to the sensitive nature of the matter being an identity theft situation. This is a continuation of violating my FCRA rights as a consumer attempting to correct an invalid and wrong crediting reporting by Capital One due to a matter revolving around Identity theft. 

As a second attempt, please contact me directly at XXXX XXXX XXXX so that I can 1 ) properly explain the matter in question and 2 ) Capital One then can inform me of the documentation they will need to correct the matter. ( Just like every other creditor whom I needed to work with regarding this matter. Capital One is the last and only creditor to not handle this situation lawfully at this juncture ). 

Please let me remind Capital One and its representatives, I am an IDENTITY THEFT VICTIM. Please take note of this moving forward before your dismissive with a cookie cutter, useless " investigation '' that was previously conducted > Capital One Case : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: MA

Complaint narrative:
i recieved a letter in the mail saying to pay jefferson capital services or i  would get arrested. i do not know this company. they are not on my credit report. i owe no collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I do owe any balance from XXXX  XXXX  XXXX XXXX. I deposited {$1200.00} but I did not even stay in that place for a month. I paid XXXX   XXXX  XXXX XXXX on the XXXX of the month but by the XXXX I already moved out. I talked to the secretary and says it's okay and I returned the key. I thought that there would be no issue with me moving out since they still have my deposit. But I was shocked to see FCO ( FAIR COLLECTIONS & OUT ) on my credit report collecting $ XXXX.I paid for the whole month even I only stayed for half of the month so I do not understand why FCO ( FAIR COLLECTIONS & OUT ) is collecting {$1400.00} on their behalf. I do not understand why FCO ( FAIR COLLECTIONS & OUT ) has my information or even collecting money from me. I am afraid that with this my information has been compromised. Also, this account put negative remarks on my credit score. I am not obligated to pay for the alleged debt and it should be removed from my credit report. FCO can not just collect money from people without verifying if the balance is valid or if they should collect it in the place. XXXX  XXXX  XXXX XXXX should more responsible for handling customer 's information and verifying if there is money that needs to be collected to the customer.

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 2020-02-05 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: NY

Complaint narrative:
I would like all fraud alerts 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 2020-02-05 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: NY

Complaint narrative:
I would like all fraud alerts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a derogatory reporting on my XXXX XXXX account for the date XX/XX/2019, XX/XX/2019. I reached out several of times to the company with no response. It is causing me financial distress as my creditworthiness is being judged off this inaccurate marking.

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 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
My daughter sent me {$600.00} around XX/XX/2019. I have screenshots of her sending but I dont have the funds andCashApp will not respond to me. I received the initial email saying they had my inquiry and would respond in 24 hours, but that has passed a few times over and I cant get any responses or help as they have no phone support and they are simply not responding to my emails. I have opened several tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase blocked account for no reason. Support does not respond, I wrote 24 tickets. I can not log in to my account since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
For 3 years I have been depositing and making withdrawals into my US BANKi always make Deposited majority cash but overall I have a credit union account I wrote a check from my credit union account to myself To cover my bills which is the same Amount of deposits I would normally do in cash this particular time I was sick so I was unable to make it to the bank so I did a mobile deposit needless To say risk has a hold on my account I have never been negative or have done any bogus activity in mu account for this to happen this has caused my account to go negative because all Of my bills are set up to Come out the account and now I will he negative I do have perfect credit as well and was just approved for a credit card with them who is in risk that has done something so awful This has caused me so much stress imagine trying to get gas and your card had decline I really feel Like race is involved in the particular case almost like predatory lending

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
EXPERIAN is breaking the law, the account named XXXX XXXX that appears on my credit report has the wrong creditors name, the account was sold to a different lender and I disputed this account with them telling them about this problem, I also told Experian to either fix the problem or delete the account since it is not 100 % accurate. XXXX XXXX  does not own the XXXX XXXX account any longer, I know this for a fact because I have contacted them about it. Every single time that a dispute is opened on this account, Experian updates the account, I want Experian to follow federal law and stop lying to me about contacting the creditor and saying that the account was verified as accurate, when I know that is not true. Either Experian deletes the account or I will contact an attorney so that I can get this matter resolved. What Experian is doing is not right, they are lying and that is illegal and corrupt, do your job Experian, youre supposed to help me as the consumer and not lie about anything, I know that you people get paid for reporting information but common.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I discontinued insurance with XXXX  and ended my policy. I was told by XXXX  that the policy amount was prorated and I paid for the amount of service i retained. I told this CCS company that this was settled and please stop sending harassing letters because I don't owe XXXX. Company has not responded to the requests I have asked for proof with a validation letter including a copy of proof of ownership, copy of payment history, copy of my original policy, and proof of payments with cancelled checks, as well as proof the are allowed to collect debt in my state. I also ask that if all is not provided to please close and remove for my credit reports before taking legal action for fraud. I have also contacted the three credit bureaus for an investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a derogatory reporting on my XXXX XXXX  account for the date XX/XX/2019, XX/XX/2019. I reached out several of times to the company with no response. It is causing me financial distress as my creditworthiness is being judged off this inaccurate marking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a derogatory reporting on my XXXX XXXX  account for the date XX/XX/2019, XX/XX/2019. I reached out several of times to the company with no response. It is causing me financial distress as my creditworthiness is being judged off this inaccurate marking.

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 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I recently acquired a copy of my credit report 's reason why I found out about this alleged debt with COLLBUREAU. I pay my bills directly to XXXX XXXX so I don't understand why COLLBUREAU is collecting {$900.00} from me. I do not owe COLLBUREAU any amount and this account should be removed from my credit report. I would like to request for validation of this debt. They need to verify first if balance is valid before they collect money from the customer or if the customer still owes anything from the creditor. Any collection agency should be very careful about putting debt or negative remarks on the customer 's credit report that causing financial and reputation harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  has reported me as late on XX/XX/2019 when my state was in a declared state of emergency due to hurricane XXXX in the state of Florida and as such I believe the account should not have been reported late being that we are in a state of emergency and I was unable to make the payment and XXXX XXXX was explained that information

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 2020-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  has reported me as late on XX/XX/2019 when my state was in a declared state of emergency due to hurricane Dorian in the state of Florida and as such I believe the account should not have been reported late being that we are in a state of emergency and I was unable to make the payment and XXXX XXXX  was explained that information

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 2020-02-05 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:
XXXX XXXX has reported me as late on XX/XX/2019 when my state was in a declared state of emergency due to hurricane Dorian in the state of Florida and as such I believe the account should not have been reported late being that we are in a state of emergency and I was unable to make the payment and XXXX XXXX was explained that information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: SC

Complaint narrative:
I have 3 missed payments on my first progress credit card. The card is paid off and closed. I called in to first progress to ask if theres anything I can do to get rid of the late payments so they instructed me to fax in a Good will letter and they will forgive the late payments. After I sent it in I called again to confirm the late payments were take off and they said yes it should be updated within a month. I still see the late payments on my credit report Im hoping those can be taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: IL

Complaint narrative:
My fiance and I currently own a home together, we have for the past 3 years. Our names are held jointly on both mortgage loan and title. Not being legally married was not an issue with my current lender. We are in the process to refinance with a VA backed loan. We applied jointly for the VA loan, and were denied on XXXX XXXX, XXXX since we are not legally married. So, we went ahead with the loan application with only my fiance 's name on the mortgage. I was told that since both of our names are already on the title of the house that that wouldn't change ... my name would still be on the title of the home, but not the refinance loan. I was ok with that. But I get news yesterday ( XXXX XXXX, XXXX ) that in order to close on the loan, the VA wants to take my name off the title and list only my fiance 's. We already own this home jointly. I feel that I am the victim of discrimination based on marital status. I have done some initial research, and everything I have found so far says that it is illegal to discriminate based on marital status. The ECOA, FHA, and FCRA all state that this type if discrimination is illegal. Can you help me in any way to find out what I can do about this?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Bank of America denied my claim for fraudulent use in the amount of XXXX after being a platinum customer with them for over 23 years. The first time I lost my debit card and someone used it to withdraw thousands of dollars - Bank of America failed to send me any security alerts. After making the claim - BOA ran surveillance videos of who was using my card at the atm and determined it was a male with a baseball cap - ( by the way I am a female ). Even after running the videos and seeing it was not me .. they still denied my claim stating they do not have enough information to be liable.

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 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020, I received a text message from phone number ( XXXX ) XXXX from Capital One stating my credit card was locked and instructing me I had to call that number for it to be unlocked. Unsure of the source of the text my husband and I, who are joint account holders on the account, jointly phoned the number on the back of the card for assistance. A representative stated the account was restricted and until they received identification from an account holder they could reveal no further information. They indicated we would receive an email within 7-10 minutes with a link to follow for further action. We never received the email so called back 30 minutes later and spoke with another representative who did send a link we used to submit a copy of photo identification. Hearing nothing for 24 hours we called back on XX/XX/2020, and provided a case number. At that time we were told that although they were in receipt of the photo identification the account was still restricted, they would try to let us know something within 7-10 days, and if we did not hear anything by then we should call back to see if anyone could share information about the reason for the restricted card. 
On XX/XX/2020 I received a phone call on my home phone from a man named XXXX with the Capital One regarding fraud and our restricted card. I identified myself as a joint account holder but he stated that he could not discuss the matter with me and needed to speak with my husband. I attempted to ascertain why I could not receive information about my account but he refused to provide an answer other than he needed to talk to my husband. I expressed my frustration that as joint owner of the account my expectation and legal rights permit access to the account but he insisted that he needed to speak to my husband. I took the information and before my spouse could call Capital One my cell phone range and it was XXXX looking for my husband. I advised he had reached me, an owner of the account, the same person who received the original message about the restricted account, and the woman he just spoke with. Again, he would not provide any information about my account stating he needed to speak with my husband. 
As an XXXX  I am aware of my rights as an account holder. To be denied access and told information can only be provided to my husband reeks of gender discrimination. I am disappointed and we will be closing all our accounts. 
Please review this conduct and advise Capital One we are no longer in the XX/XX/XXXX.  When joint owners are a married XXXX couple both owners have equal access to their joint account information. As a joint owner on the account I should not be denied access to account while the male joint owner is given access.

Company response to consumer: Closed with explanation