vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 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: MD

Complaint narrative:
I've made several attempts with Experian in a attempt to report my score accurately my latest attempt was on XXXX. Between the XXXX reporting agencies Experian XXXX   and XXXX  my score is up to a XXXX point difference with XXXX  and a XXXX point difference with transunion I'm being told its because the use a different scoring model from the other credit reporting agencies and refuse to investigate. I can understand a up to a XXXX pont difference which is still unreasonable for anyone but XXXX and XXXX point differences is outrages for anyone something is obviously wrong hear. Under the Fair Credit Reporting Act credit reports must be done fair and accurately please investigate I need this problem fixed so that it will not negatively impact my credit.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AR

Complaint narrative:
I am insured on a vehicle with my son through XXXX XXXX. The Auto policy just renewed, but a Driving history was obtained via LexisNexis Risk Solutions. Upon reviewing the driving history, I am concerned about Not at Fault accident ( XX/XX/XXXX ) and a Comp Coverage Claim < XXXX ( XX/XX/XXXX ) that pulled up on me. 

This was a claim that I was forced to file with my primary auto insurance ( not with XXXX  ) by my health insurance. I endured shoulder damage when I pulled up into a friend 's truck that was parked in a public location on XX/XX/XXXX. Since an auto was involved, was told it had to be primary and my health insurance secondary. 

The above incident was the only claim I made in XXXX and it was on Comprehensive. Did replace a windshield in Spring XXXX. 

I do not feel that the above incident should affect my driving history report in a negative manner, esp when claim was NOT made on said policy or with said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CA

Complaint narrative:
I submitted a dispute to the credit reporting agencies regarding inaccuracies on my credit report on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

The only investigation that was opened was my dispute sent in XXXX and ever since then, not a single investigation has started. 

I called XXXX  and had an in-depth conversation with a representative regarding my account. The only dispute investigations they have on file was the initial dispute letters they received on XX/XX/2020, and that's it. Not one investigation has been opened since and I have all of the tracking numbers to prove that they did in fact receive my letters. 

I have also not been able to talk to a representative from Experian. Every phone number I can find doesn't give you the ability to speak with someone. I used the Experian app and website and haven't been notified about any disputes for several months either. Again, I have all of the tracking information to prove they received my letters. 

Below, you can see all of the tracking details for the letters I have mailed.

Round 1 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Experian : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 2 Experian : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 3 Experian : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 4 Experian : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 5 Experian : Date Sent XX/XX/2020 XXXX  : Date Sent XX/XX/2020

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 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2019, I was a victim of the XXXX XXXX XXXX I ignorantly cashed checks against my checking account not knowing that they where bad checks and I was involved in the XXXX XXXX XXXX. My checking account was closed for bad checks which was associated with the XXXX XXXX XXXX and the remaining of personally funds of {$930.00} is being held against my will at City bank. City bank did not give me a reason a for why they are keeping my funds. City Bank continues to tell me that I will receive a check within 30 days but I have not yet received any funds and it has been a few months since I made the request. I have lost thousands and thousands of dollars and I am trying to fix this situation and have gotten any support from the above the banks. I am a victim of a XXXX XXXX  XXXX.and I need help getting this situation resolved. I owe on a {$6600.00} loan I pulled out to pay for the taxes on my so called winnings and am paying back money to XXXX XXXX  as a result bad checks associated the XXXX XXXX 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 2020-10-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XXXX XXXX  2020 i sent in letters to all three credit bureaus because of the covid 19 i decided to take a look at my reports and found some in accurate information and thirty days had pasted with not one response, so i decided to send in another letter asking the credit bureaus to please send me some correspondence on the matter. I just didnt know what else to do but contact the cfpb. I will be uploading the exact letters that were sent to all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XXXX first 2020 i sent in letters to all three credit bureaus because of the covid 19 i decided to take a look at my reports and found some in accurate information and thirty days had pasted with not one response, so i decided to send in another letter asking the credit bureaus to please send me some correspondence on the matter. I just didnt know what else to do but contact the cfpb. I will be uploading the exact letters that were sent to all three bureaus.

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 2020-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Copy of letter emailed and mailed to Bank of America Card holder services To : Bank of America Maryland Unemployment Benefits Debit Card Cardholder Services From : XXXX XXXX Re : Customer Complaint Date : XX/XX/XXXX This all began when I noticed unauthorized charges via my online account with Bank of America, on XX/XX/XXXX I called into your cardholder services line to report the issue and request to be refunded and a new card. Today XX/XX/XXXX I called back in as I still have not received the new card and spoke to a representative by the name XXXX XXXX XXXX. This representative, while not rude was not educated to assist me and seemed unsympathetic to my concerns. I stated my worry that I in addition to this issue had issues with my local usps carrier and some mail may have been returned and asked if there was anyway she could issue another card. As my fear was the original replacement card that was mailed out on XX/XX/XXXX may have already been returned by the Post Office. 

I was told by your fraud/risk department that my account has been adjusted and a new card will be received within 14 business. It is now XX/XX/XXXX, for days I have been calling, emailing, and constantly been given incorrect information. After being on hold each time for up to 3-4 hours at a time, and then yesterday when your risk department finally answered she claimed she could not hear me and hung up on me! I then had to call all over again and wait on hold again for 2 hours. I was able to speak to a customer services representative who took the time to read the notes on my account and determine no card was ever mailed to me at all!! As your risk team never removed some type of hold which enables your system to issue a call. This was very upsetting to know I have wasted hours, days even, weeks and to find nothing has been done. As I sit here typing this letter I am on hold once again in hopes to reaching someone. This is horrible to make people go through this. While a may not be a actual banking customer of Bank of America, by default I am and should be treated as such. This is the poorest I have ever been treated. Please accept this as my official complaint on how horrible it has been to do business with your company. Today XX/XX/XXXX I have been on the phone on hold for over 2 hours, still waiting to be transferred to the fraud/risk department as they are the only department that has the ability to remove this hold off my account to allow thier computer systems to ship me a replacement card. Meanwhile none of my bills are being paid and I have no other way to access my money. This is so unfair. 

XXXX XXXX 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 2020-10-15 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: VA

Complaint narrative:
I have contacted the merchant multiple times in attempt to have this fraudulent account removed. I have disputed the account with all credit reporting agencies as well as provided an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: VA

Complaint narrative:
I have contacted the merchant multiple times in attempt to have this fraudulent account removed. I have disputed the account with all credit reporting agencies as well as provided an identity theft 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 explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My home insurance payment was supposed to be made by mortgage company, NewRez, from my escrow account. Payment was due on XX/XX/20. To date payment has not been received. The escrow department is impossible to get ahold of. When I finally did get a hold of someone they gave me the address they sent payment to. It was the wrong address. So now, they have sent my insurance payment to the wrong company and I have attempted to reach them multiple times to resolve this but I can not get a hold of anyone. My insurance payment is now 15 days overdue. Not sure how they sent my payment to the wrong company when I specifically sent them the bill with the correct address and payment amount on it!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CORELOGIC INC
State: NC

Complaint narrative:
I recently filed a complaint with the Consumer Financial Protection Bureau against CoreLogic we're not placing a security freeze on my CoreLogic credit file for the second better they are telling me CoreLogic is a reseller of the consumer report information provided by three National Consumer reporting agencies but I know they do play security freezes because I had a security freeze with CoreLogic before. Now I'm filing my second complaint against CoreLogic for not placing a security freeze on my credit file.

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 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I filed a dispute on XX/XX/XXXX. I was given a credit for some of the charges and others were denied without explanation. Because of these charges I have been charged over XXXX dollars in fees which has led to me being charged more fees.

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 2020-10-15 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: CORELOGIC INC
State: NC

Complaint narrative:
I as of late recorded a grievance with the Consumer Financial Protection Bureau against CoreLogic we're not putting a security freeze on my CoreLogic credit document for the second better they are revealing to me CoreLogic is an affiliate of the buyer report data gave by three National Consumer detailing organizations however I realize they do play security freezes since I had a security freeze with CoreLogic previously. Presently I'm documenting my second protest against CoreLogic for not setting a security freeze on my credit record.

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 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2019 Amount {$950.00} Company XXXX XXXX  XXXX Account number XXXX Asked this company to remove this off my report since this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I woke up on XX/XX/2020 around XXXX XXXX  and realized that my two Chase issued credit cards, the XXXX XXXX and XXXX XXXX, has been removed from ApplePay. I thought it was weird and unusual that it happened so I logged into my Chase Online account and saw that my available limit for both cards have been decreased to {$0.00}. My credit limit was {$23000.00} and {$9000.00} for these cards respectively and had been a customer for 2.5 - 3 years, using their credit card services and almost 10 years with checking/savings services. My usual monthly spending is around {$1000.00} for each card and I have paid my balances in full EVERY month. I called Chase customer service to figure out the problem and after being transferred to multiple departments, I was told that my account was closed because I have closed other accounts with them such as investment banking, etc. I told them that I have NEVER had any of these accounts they claimed I closed, and that I have been a good customer with them for many years. ( I was still using these cards the night before ). I asked for a more detailed reason of why they closed my two credit card accounts, and they told me that there really was no reason and just that Chase decided to " end their relationship '' with me. Personally, I am very offended because I have not done ANYTHING wrong in which a bank decides to close my credit card accounts even though I pay my balances in full EVERY month for the past couple of years, with not a single late payment. Also, I have always had direct deposits every week into my account so they already have my source of income. Please someone address this issue or let me know WHY my accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
i applied for the card and i did not finish application the company again asked me to come back to finish application i came back to finish and company said refused to accept my application and decided not to aprove my application? even though i had invitation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute to the credit reporting agencies regarding inaccuracies on my credit report on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

The only investigation that was opened was my dispute sent in XXXX and ever since then, not a single investigation has started. 

I called TransUnion and had an in-depth conversation with a representative regarding my account. The only dispute investigations they have on file was the initial dispute letters they received on XX/XX/2020, and that's it. Not one investigation has been opened since and I have all of the tracking numbers to prove that they did in fact receive my letters. 

I have also not been able to talk to a representative from XXXX. Every phone number I can find doesn't give you the ability to speak with someone. I used the XXXX  app and website and haven't been notified about any disputes for several months either. Again, I have all of the tracking information to prove they received my letters. 

Below, you can see all of the tracking details for the letters I have mailed.

Round 1 TransUnion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 2 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Transunion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 3 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Transunion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 4 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Transunion : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 5 XXXX  : Date Sent XX/XX/2020 TransUnion : Date Sent XX/XX/2020

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