vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
I applied for an American Express Gold credit card on XX/XX/XXXX. I received a reply dated XX/XX/XXXX, indicating that I could not be approved because I " have too many new bank card accounts ''. 
The denial letter indicates that I can call American Express to ask them to override this decision. I contacted American Express on XX/XX/XXXX and they told me that I needed to contact them again in 30 days. I contacted them again on XX/XX/XXXX. 
On XX/XX/XXXX, I contacted American Express and was told that they can not override the decision. Instead I should contact the XXXX  Credit Agency, who makes the decision. 
On XX/XX/XXXX, I contacted the XXXX Credit Agency and was told that they can not override the decision. Instead, I should contact American Express who makes the decision. 
Based on my XXXX  Credit report, I have only 5 bank cards open. My XXXX  credit score is XXXX ( considered excellent ). 
My complaint is about this process of approving or denying a credit card application, and the ability ( none ) to talk to someone about the decision. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
I purchased a new home XXXX, and the Mortgage is being carried by Guaranteed Rate- At closing I told team that I am a XXXX veteran, and I qualified for a tax exemption. I was told once the deed was recorded in my name the exemption could be processed. XXXX County has processed and approved the tax exemption and provided a letter of exemption ; stating that the property is tax exempt. I have contacted the mortgage several times and have been told they require more information, that that cant do a escrow review until XXXX and I would need to wait until the county issues a new tax bill in XXXX of XX/XX/XXXX, several phone calls and multiples answers, all except that when it processes " at least you can request a refund ''. 
I am not understanding how I am being told to disregard Illinois Statutes for XXXX veterans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX2021 I transferred {$1000.00} from XXXXXXXXXXXX  to Coinbase pro which was successfully transferred to Coinbase, the money is not yet posted. I contacted them several time but they are not helping me. My Coinbase case number XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: TN

Complaint narrative:
On or around XX/XX/XXXX I discovered I was unable to login into my Charles Schwab checking & brokerage accounts. I have around {$300.00} in checking, and {$6000.00} in brokerage accounts ( one auto investor, one basic investment ). When I called customer service, I was told I my account was locked and in their fraud investigation department and that I would hear something in 3-5 business days. I've called at least 4 times, generally beginning and ending of each week, with the last time on XX/XX/XXXX and am always told the same thing - 3-5 business days and that they would email/contact the fraud department on my behalf. It's now been almost 3 weeks without access to my funds. I want to stay with Schwab based on others positive experiences, but if customer service is like this ( holding my money hostage ) then I may question whether I should. I need assistance either getting my account access back or my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TX

Complaint narrative:
I have sent several requests to XXXX, XXXX  and Equifax for them to report the correct information. They are reporting my name incorrectly and reporting addresses that do not belong to me. The following information is repoting incorrectly. 

Equifax has my name as XXXX XXXX my name is XXXX XXXX I am a man not a woman. 

XXXX  - XXXX XXXX ( my name is XXXX XXXX ) Addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  - XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ( my name is spelled XXXX XXXX ) Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only infomation that should be reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX  I have informed the consumer reporting agencies XXXX Experian, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had XXXX in my account SunTrust and one day I was to the bank and they told me that my account was close for any reason that I didn't know.. After they told me that legal debt collection but the problems is that I didn't receive any documentation in my house regarding who's company I owed money. I would like to receive my money because is to many time that I go to the branch to ask then and I don't receive any cuestion. I contact already the department but they don't answer. This issues was more than 8 month but they took the money from my account XX/XX/2020 amount of 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 monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
After updating insurance information with PHH Mortgage I was informed via a letter that I would be charged {$860.00} for forced placed insurance for the period of time that there was no insurance on the property. This time frame wasXX/XX/XXXX to XX/XX/XXXX. This gap was less than 3 months due to the prior insurance company never sending a payment letter. That company also never informed PHH of the cancellation. There were no claims during this period. PHH Mortgage makes it next to impossible to contact someone at the insurance servicing center. It took over an hour to contact someone and when I finally did, the call center informed me they were in XXXX and not US based. XXXX from the insurance department informed me PHH Mortgage just last month they reached out to the old insurance company and found that the policy had expired. We are now in XX/XX/XXXXand PHH is just now getting around to updating their insurance records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower..

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 2021-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters, at XXXX XXXX XXXX XXXX XXXX KS XXXX has been sending me collection notices in the amount of {$2500.00} the collection has been report as past due balance. I do not know this company. I do not know this company. I have never done any business with company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: AL

Complaint narrative:
I have notified the three bureaus that I have been a victim of identity theft but they continue to report this account from XXXX XXXX XXXX and inquiries from companies that I have never applied to or received anything from. I don't understand how they can report this and this was all done " Fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Creditors Bureau Associates
State: GA

Complaint narrative:
According to 15 U.S. Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In my original investigation request sent XX/XX/2021 I asked Experian to delete anything that is not 100 percent accurate. They responded saying that all of my accounts were indeed correct and verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts I inquired about as accurate, but they all have inconsistencies in the reporting? After that, I sent a letter on XX/XX/XXXX asking for Experian to please remove the accounts below from my credit report because I still found inaccuracies in each entry. I also provided proof of the inaccurate reporting along with my letter. Instead of deleting the information as requested, they updated their file. This is my 3rd attempt to remove the inaccurate accounts that Experian stated was verified and correct.

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I ask you to check the information in my profile because I can not understand why I have this unknown account. As far as I remember I have never had something like this in my credit report. So it appeared recently and I do not recognize this account. Well could you please check and validate this info?

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I ask you to check the information in my profile because I can not understand why I have this unknown account. As far as I remember I have never had something like this in my credit report. So it appeared recently and I do not recognize this account. Well could you please check and validate this info?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower..

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-06-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TX

Complaint narrative:
I have sent several requests to XXXX, Transunion and XXXX  for them to report the correct information. They are reporting my name incorrectly and reporting addresses that do not belong to me. The following information is repoting incorrectly. 

XXXX  has my name as XXXX XXXX my name is XXXX XXXX I am a man not a woman. 

XXXX  - XXXX XXXX XXXX my name is XXXX XXXX XXXX Addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Transunion - XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX my name is spelled XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only infomation that should be reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-06-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent several requests to Experian, XXXX  and XXXX  for them to report the correct information. They are reporting my name incorrectly and reporting addresses that do not belong to me. The following information is repoting incorrectly. 

XXXX  has my name as XXXX XXXX my name is XXXX XXXX I am a man not a woman. 

Experian - XXXX XXXX XXXX my name is XXXX XXXX XXXX Addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  - XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX my name is spelled XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only infomation that should be reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX XXXX XXXX I have informed the consumer reporting agencies Transunion, XXXX XXXX XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX TODAY WILL NOT PERMIT AN ONLINE DISPUTE OR UPLOAD OF DISPUTE SUPPORTING INFORMATION. 

I HAVE TWO ACCOUNTS, XXXX XXXX XXXX ACCOUNT XXXX, AND XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX OF THESE ACCOUNTS HAVE LATE PYMTS IN THE HISTORY DUE TO MY COMPLETE BUT TEMPORARY XXXX OF 9 MONTHS FROM XX/XX/XXXX THROUGH XXXX OF XXXX. 
I WAS XXXX XXXX AND XXXX XXXX UNDER A DOCTORS CARE AND RECEIVING GOVT XXXX PAYMENTS. 
TODAY I AM A XXXX EARNINNG {$85000.00} PER YEAR ... AS SOON AS I WAS ABLE I CAUGHT UP ON PAYMENTS AND PAID THE ACCOUNTS OFF.I HAVE INCLUDED SOME OF THE GOVT XXXX PYMT INFORMATION RECEIVED AND REALLY NEED AND DESERVE EITHER A DELETION OR NA OR ND ON MY LATE PYMT HISTORY AS THIS HAMPERS THE HOUSE TRANSACTION I AM TRYING TO BUY TO GET OUT OF MY SMALL MOBILE HOME I LIVE IN AND OWN.

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