vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I applied for a XXXX credit card and was automatically routed to Experian. I took the option of temporarily " unfreezing '' my report and received a ten-digit pin number with no instructions or options as to what to do with it. Attempts to contact Experian by internet or by the telephone number they give, XXXX, which, obviously does not exist, or by another number, XXXX, always end in being required to mail in a batch of documents, including photocopies of driver 's license. This requirement is obviously a " XXXX XXXX. Have a Nice Day. '' ploy, If I actually followed through - is anyone XXXX enough to actually try? - it would no doubt give them all a good laugh.

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 2020-11-11 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:
I reached out to TransUnion via mail on XXXX XXXX. I have previously opened a case against them because it has been well over 45 days and they are continuously giving me excuses and are not removing incorrect information. 

I received a response from TransUnion with case number XXXX that basically said they 1. XXXX DID receive my original correspondence on XX/XX/2020 ( delivery stamp ) and it took them extra time to process ( 15 days ). How is this in any way helpful or my fault? 
2. TransUnion DIDNOT confirm, verify, or delete any of the information i requested. This is against the law and TransUnion should be fined {$1000.00} for each account they are reporting incorrectly. 
3. TransUnion suggested that if something is appearing on my credit report incorrectly i should contact the creditor of the closed account thats showing delinquent that is not mine? 
This statement alone breaks so many laws. TransUnion is obligated by law to verify each account on my credit report. In addition they are obligated by law to remove ANY account that is not 99 % accurate from my report. Furthermore, TransUnion is violating the FCRA consumer rights by neglecting my request and openly breaking the law multiple times. 

I have attached my first letter dated on XX/XX/2020. TransUnion needs to do the math and realize they have gone way beyond the window of investigation. This none sense needs to be deleted immediately. 

I do not want to hear any excuses.

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 2020-11-11 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: NY

Complaint narrative:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: MS

Complaint narrative:
i sent XXXX  and transunion a second request about the inaccurate items that they are reporting incorrectly on my credit report on XXXX.1st letter was sent to the main office and the 2nd letter went to the corporate office.I haven't heard anything from them as of yet and i have attached copies below.

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 2020-11-11 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPENT THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPENT THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-11-11 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: Receivables Performance Management, LLC
State: MS

Complaint narrative:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate 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 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase Bank has my checking account listed as having an available balance of {$0.00} even though several XXXX dollars are present in the account. They've indicated that a software glitch is causing this problem - it's been greater than 24 hours since my first complaint about this issue and funds are still unavailable for usage or withdrawal. I've been receiving overdraft notices for withdraws that have available funds to cover the transactions. 

I would like the CFPB to assist in this matter as it's quite frightening to have thousands of dollars disappear with no status updates and what seems to be a lack of concern from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was scammed when trying to buy a dog. Using the XXXX method through chase bank {$850.00} totally was incorrectly sent. I am trying to figure out how to get this fixed but I have a contract from the seller and no product for the service that was bought. Please provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/20 I received in the mail a Visa debit card issued by U.S. Bank. This is a U.S. Bank ReliaCard that ( according to the information provided with the card ) will be used by the Colorado Department of Labor and Employment ( CDLE ) to receive unemployment benefits. I never applied for unemployment benefits in Colorado, nor did I apply for this U.S. Bank ReliaCard. After receiving the card and doing some research, I tried contacting U.S. Bank using the phone number provided XXXX XXXX ) to discuss the matter and request that they cancel the card. I did this several times, but unfortunately, it is impossible to speak with anybody. The system provides automated access only and requires you to enter personal information ( including social security number ) to access the account information. I was reluctant to do this. 

This appears to be a common issue. The CDLE 's website includes a link to a U.S. form that consumers can complete and submit to U.S. Bank to notify them of the issue and request they cancel the account. I did that immediately, but have received no reply. 

With that, my complaint is two fold. First, U.S. Bank did not perform appropriate due diligence when opening this account. There is no indication on my credit report that U.S. Bank checked my credit or did any other validation. I don't live in Colorado. That should have been an obvious flag. Second, U.S. Bank has not been responsive to my problem, and doesn't provide consumers with a reasonable option to report the problem and get resolution in a timely manner. This is especially concerning and frustrating since they are obviously aware that these accounts are often opened fraudulently.

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 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX went to my Bank of America in XXXX XXXX AZ ..I put {$1000.00} cash to go to principal pymt on mortgage. It was not applied. Saw XXXX XXXX to resolve issue.. did not get resolved called 800 # customer service. Assured me it would be corrected. Not! XXXX called again case # XXXX. Still not resolved. Went to bank in XXXX because our bank was closed indefinitely because of Covd19 at Bank of America therefor 3 hours with XXXX XXXX case # XXXX still not resolved. 10-23 received email & packet in the mail of foreclosure because of lack of payment. I have auto pay and payments have been taken out every month. I pay bi/weekly. So payments are taken out twice a month the XXXX & XXXX. Called customer service again on hold again for 2 hours! Assured me it would b taken care of. Icon on my statement states Payments are late but they keep taken them out of my checking. 
Current mortgage balance status : XXXX XXXX XXXX My new due date is XXXX or XXXX. 2 due dates. I have 3 pages of notes receipts ect Please help!! XXXX 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 non-monetary relief
Consumer complaint received 2020-11-11 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: NJ

Complaint narrative:
XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX  and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX  and all 3 credit bureaus regarding a foreclosure that was opened in XXXX. My account has 9 inaccuracies. It is well over 30 days again and the account still has 9 accuracies and nothing has been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: IL

Complaint narrative:
I am trying to have Experian look into some credit reporting issues. It has been well over the time they said they needed to investigate, and I have still not heard from them. I have about 4 - 5 accounts that Experian has not been posting to my credit report, therefore I look like a ghost to companies trying to run my credit. I would like this issue resolved ASAP.

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 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I currently have joint checking and savings bank account with Bank of America ( BofA ). My husband and I have separated and I put in a request to have his name removed from the account. Noted that I am living outside of the XXXX so I had to put in this request via mail. In order to process this BofA requires documentation that must be signed by both myself and my husband and also notarized. Note that I had to go to the XXXX XXXX to have these documents notarized at a cost of {$300.00} USD. I competed the documentation in full and sent it to BofA via XXXX  in XX/XX/2020. I have a signed receipt from XXXX  showing that BofA received my documents in their XXXX office on XX/XX/2020. It has been 5 months now and my husband 's name has still not been removed from the account. I have called BofA customer service 6 times over the last 5 months and raised multiple complaints for which I received complaint numbers. The most recent complaint numbers are XXXX & XXXX. They told me the latest complaints would be handled in 3 weeks. Tt has been over a month and they still have not resolved the complaints. When I called today I was told that 'maybe ' the paperwork was lost and that I should resubmit it. But BofA was unwilling to cover the {$300.00} cost for me to have new documents notarized again. Given the fact that I have written proof from XXXX  showing that they have received my documents, I don't not feel that it is ethical to ask me to cover this cost. Especially when it is clearly mishandling by BofA. On my last call, I was told that I can submit new documents or 'wait longer '. She was not able to give me a proper status update on my complaint numbers and she was not able to tell ; me the results of the investigation on my complaint. I really need some help to pressure BofA to do the right thing here. I have followed their policies but they refuse to handle my request properly. This is awful customer service.

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 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I needed {$5000.00} in a hurry and I took a loan with Net Credit processed through XXXX XXXX. I paid {$2500.00} and went to pay the loan and they told me that I still owed {$4700.00}. The interest rate charged was 65 %. Kentucky dept. of financial institutions suggested that I contact you to make you aware of this fee. It appears that XXXX has the appropriate disclosures and does present the terms of the loan in their Truth and Lending Disclosure, including the interest rate. While I signed the attached contract, I was planning on paying it off in XXXX, then the pandemic hit and was unable to pay it because of financial restrictions of The Pandemic. I want to pay this loan off asap. Please advise XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: NC

Complaint narrative:
I've disputed with XXXX  to have 2 late payments removed from my account with XXXX  or any credit reporting agency filing a complaint thru CFPB on XXXX XXXX  had agreed to remove the late payments due to me being affected by Covid-19, the investigation thru CFPB which was closed on XXXX with XXXX has stated that the items should be removed byt the credit bureaus have let the items remain

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 2020-11-11 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: NC

Complaint narrative:
I've disputed with XXXX  to have 2 late payments removed from my account with XXXX  or any credit reporting agency filing a complaint thru CFPB on XXXX XXXX had agreed to remove the late payments due to me being affected by Covid-19, the investigation thru CFPB which was closed on XXXX with XXXX has stated that the items should be removed byt the credit bureaus have let the items remain

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: FL

Complaint narrative:
all my credit information is missing from Experian report. The others are fine. XX/XX/XXXX all was fine and even receive an monthly email that my credit score was XXXX. That week I was working with a bank on a mortgage and they tried to pull my credit. They told me there was a problem with experian. So i went online to my member page and seen all my information was missing. no accounts and no score. I called and they said they will look into it. mean while i locked all 3 credit bureaus. 5 days later nothing and i called back because i started getting spuff calls from ss office and police dept trying to get information out of me. I hung up and called that same police center and no such person or badge number. I called Experian back and no note in system. i was transferred to fraud dept. and was on the phone for 1 hour before i found someone that would help me. She told me that there was 2 people with same ss # and my stuff went to him. she even game me the name and sad she was going to send to data dept to fix. It would take at most 5 business days. at this point i locked all my accounts. 7 days later no call and information still missing. i called back and this time talked to another agent who read all her notes and said that Experian had split the data and its in another account.???. this would take XXXX business days ... .. 7 days later nothing and just called back again. a different person said need to rend to data dept to fix and they need another 5 days. mean while i lost that house i wanted and the interest rate besides not knowing what happened and why and who has my information out there.. very concerned!

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 2020-11-11 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: FORD MOTOR CREDIT CO.
State: OK

Complaint narrative:
My account was said to be in forbearance during the 2020 Covid-19 Pandemic. 2 months later I checked my account XX/XX/2020 and it said it was past due. I immediately made a payment for the 2 months and then setup on auto pay. I am requesting this to be removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 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: OK

Complaint narrative:
My account was said to be in forbearance during the 2020 Covid-19 Pandemic. 2 months later I checked my account XX/XX/2020 and it said it was past due. I immediately made a payment for the 2 months and then setup on auto pay. I am requesting this to be removed from my report immediately.

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 2020-11-11 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: OK

Complaint narrative:
My account was said to be in forbearance during the 2020 Covid-19 Pandemic. 2 months later I checked my account XX/XX/2020 and it said it was past due. I immediately made a payment for the 2 months and then setup on auto pay. I am requesting this to be removed from my report immediately.

Company response to consumer: Closed with explanation