vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-11 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:
THIS IS A COMPLAINT AGAINST EXPERIAN, TODAY XX/XX/2020, I RECEIVED THE RESULTS OF MY DISPUTE MADE ON XX/XX/2020 VIA EMAIL, IN MY PREVIOUS DISPUTE I AM REQUESTING TO VERIFY ALL THE DOCUMENTS AND COPIES THAT CERTIFY THAT THIS ACCOUNT IS MINE AND THE COPY OF ALL DOCUMENTS WILL BE SENT TO MY ADDRESS. I KEEP INSISTING THAT THIS ACCOUNT IS A MISTAKE, THE RESULTS OBTAINED FROM YOU DO NOT GIVE ME WHAT I AM REQUESTING, AND I CONTINUE WITHOUT RECEIVING THE TRUE DOCUMENTS. THIS SITUATION HAS ME STRESSED, NERVOUS AND WITH GREAT ECONOMIC LOSSES, I HAVE NOT RECEIVED THE DOCUMENTS AND ITEMS BELONGING TO THE ACCOUNT THAT I HAVE DISPUTED XXXX  / XXXX  # XXXX. I HAVE GIVEN IT UPON MORE THAN 60 DAYS THE SYSTEM DOES LAST NOT MORE THAN TWO HOURS, OR EVEN MINUTES, AUTOMATIC RESULTS ARE ISSUED, I HAVE COME TO THINK AND MY CONCLUSION IS : TO ASSUME THAT YOU HAVE BLOCKED IT SO THAT IT CAN NOT BE DISPUTED FOR MORE THAN TWO HOURS. THEREFORE IT CAN NOT BE REMOVED AND AS A RESULT IT REMAINS THERE FOREVER, AS WELL AS THE AGENT OF THE DEPARTMENT OF SPECIAL AFFAIRS WHEN IT MADE ME THE THREAT THIS ACCOUNT WILL NEVER BE ELIMINATED UNTIL WE HAVE DECIDED, TO PEOPLE SUCH AS YOURSELF WE HAVE TO BE VERY RUDE. THAT MUST MEAN THAT AMONG COWORKERS THEY GIVE EACH OTHER INFORMATION FROM CUSTOMERS, THIS IS VERY DELICATE, THIS IS PROVIDED TO SHARE PERSONAL INFORMATION FROM CUSTOMERS, SOMETHING HAS BEEN DONE TO MY CREDIT THAT IS ACCOUNT DISPUTED AS IT SHOULD BE, AS THE LAW IS ESTABLISHED, SO WHY ARE THERE LAWS IN THE FIRST PLACE? 
WHERE ARE THE DOCUMENTS TO VERIFY? I ONLY ASK WHAT IS ALREADY IN THE LAWS AND I HAVE NO ANSWERS, THE RESULTS OBTAINED ARE ACCORDING TO WHAT THE AGENT THAT DAY SAYS SO. WORSE EVEN, I ASSUME THAT THEY DO NOT HAVE DOCUMENTS TO SUPPORT IT, BUT THEY DO NOT WANT TO REMOVE IT FOR THE PERSONAL WAR THAT THAT DEPARTMENT HAS TOWARD MY PERSON, EACH TIME I CALL, I AM AFRAID OF THE RETALIATION THAT THEY DO AGAINST ME, BUT NOW, IF THEY HAVE BLOCKED ME ON LINE, I TRY TO SUPPLY IT WHERE THEY TELL ME : EXPERIAN / UPLOAD, IT SAYS THAT MY DISPUTES CAN NOT BE BY THIS WAY, THEN I SEND THE DISPUTES VIA CERTIFIED POSTAL CORRESPONDENCE AND THEY DO NOT RESPOND TO ME, THE 30 DAYS ARE NOT TAKEN, IN FACT THIS MONTH I HAVE SENT MORE THAN 6 DISPUTES. YOU MADE A MANIPULATED LOCK WITH MY CREDIT, THE AGENT 'S THREATS HAVE MADE A VERY DELICATE REALITY, TO CONTINUE THIS SITUATION I WILL HAVE TO TAKE LEGAL MEASURES, I DESERVE AN ANSWER AS REQUESTED AND AS REQUIRED UNTIL WHEN YOU PLAY WITH MY NERVES, IS THIS A GAME OF? WHO ENDURES MORE AND WHO IS TIRED FIRST? I ASK FOR RESPECT, AND DIRECTLY ACCUSE EXPERIAN OF BEING AN AGENCY TO DO WITH MY CREDIT WHAT COMES IN THEIR DESIRE AND BY A PARTICULAR AGENT.

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 2020-04-11 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: OH

Complaint narrative:
I would like to request a security freeze placed on my Credit Report. 
I choose to opt-out of your disclosing future information until further notice including the any access to my personal financial ID and SS #. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. I have several errors on my file from my addresses name and unverified account. Fist up My accurate and only name is XXXX XXXX XXXX please remove any other variation of my name. Please remove the following SS XXXX it is not mine SS # my correct SS XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX please delete/remove the following XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX   XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: OH

Complaint narrative:
I would like to request a security freeze placed on my Credit Report. 
I choose to opt-out of your disclosing future information until further notice including the any access to my personal financial ID and SS #. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. I have several errors on my file from my addresses name and unverified account. Fist up My accurate and only name is XXXX XXXX XXXX please remove any other variation of my name. Please remove the following SS XXXX it is not mine SS # my correct SS XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX please delete/remove the following XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX NEW XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX   XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , OH 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 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around XX/XX/2020 I went to a Bank of America branch In XXXX ca. Address is XXXX XXXX XXXX XXXX XXXX. 

I came in to make a payment to my credit card since my online bill pay wasnt working. I came to the branch and while waiting in line one of the bankers suggested I make my payment at the ATM since its faster. 

I made a cash payment for {$7000.00} at the ATM and only {$500.00} was processed. I told the banker and they suggested I call customer service and after 2 months and 3 dispute cases later theyre trying to tell me they cant find a error or the extra {$6500.00} which is XXXX. I know exactly how much I put in the atm it was XXXX bills of {$100.00}

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 2020-04-11 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: Self Lender Inc
State: IL

Complaint narrative:
This company i feel has been nothing but fraud. They gave done nothing to build my credit its actually gone down dramatically since i started with them I got the secured card thinking that that was going to help build my credit even more but the secure card did absolutely nothing the company has refused to respond to several emails even though they say they respond in 24 to 48 hours I've gone days upon days of no response they will not show me what transactions were used on the secure card nor do I have a way of checking with the balance is on the secure card even on the statement it doesn't show me a full history of all my transactions I also tried to schedule a payment but they didn't try to process the payment until three or four days later even though it said it was going to be an immediate payment then had the nerve to send me an email saying that I could get tired to see because the payment got declined if they would have ran the XXXX dollar payment on the day that it was supposed to be ran immediately I wouldn't have this issue so I'm having issues with customer service with billing is in the biggest thing was having a credit card that I have no way of checking with account balances are reaching any customer service and they only have way for me to email them they don't answer the phone and i also need to dispute a transaction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: IL

Complaint narrative:
I have 2 inquiries that are showing on my XXXX  credit report from TELETRACK XX/XX/XXXX and XX/XX/XXXX. I have contacted this company that was on my credit report on XX/XX/XXXX and XX/XX/XXXX and no response from the companies as to why they pulled my credit without permission.

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 2020-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I contacted my mortgage servicer ( Wells Fargo ) on XX/XX/2020 about A border line adjustment to my property because i am purchasing land from my neighbor. I am buying the land with cash and just need them to sign the documnets. They have been trying their hardest to drag it out and create problems even thopugh it doesnt involve them. I finnaly got them to sign the application for the county on XX/XX/2020 after going back and forth with them for weeks. The county approved the application and sent us the plat certificate that needs to be signed by wells fargo. On XX/XX/XXXX when we are ready to close the deal, all the sudden Wells Fargo want 's an appraisel for some reason, even though adding land will clearly not deminish the property value. They had never mentioned it once prior to this date. The appraisel was ordered and we talked to the appraisel company and they can't get ahold of Wells Fargo to see what kind of appraisel is required because it doenst make any sense to do an interior appraisel. They will not proceed until they talk to them. The Wells fargo employees will not return phone calls or emails regarding the issue. It is complety unresonable for this to be taking over 3 months now for a transaction that doesn't really affect them. It is a XXXX XXXX loan that they service, or lack service for.

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 2020-04-11 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: LEXISNEXIS
State: TX

Complaint narrative:
I filed a bankruptcy in 2014, I did not consent for XXXX XXXX to look into my records and send it to credit bureaus. 
Is this legal? 
I had bankruptcy for four months and cancelled it ... why do we have to suffer for 7 years of bad credit? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 I went in to a Us bank branch and deposited {$5000.00} dollars and only got credit for {$500.00}. After disputing this for 2 months US bank claims theres no error or anything wrong with their machines when I simply put in XXXX bills of {$100.00}.

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 2020-04-11 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: OH

Complaint narrative:
I've had my name and XXXX  changed since XX/XX/XXXX, and have since repeatedly contacted Equifax to change the information, but they report that I have to change it with my accounts ( with student loan agency XXXX ), which I have done already, but there has still been no changes. My first, middle, and last name were changed, and were changed with the SSA in XX/XX/XXXX. My State Driver 's License has been changed since XX/XX/XXXX. It should be noted that the name change is confidential and sealed by the courts for the purpose of my personal safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing this complaint against Capital One. Capital One is the worst company towards millions of its customer during this current global pandemic. Capital One only has telephone representative and the wait time is over an hour every time I called their telephone service. As of now, I still have not been able to talk to a live employee of Capital One over the phone. This is the worst. 

Compared to other companies like XXXX, XXXX, XXXX, they all have email customer service support and chat, even their telephone representative were super heavily busy. All I needed was to send them an email and their employees wrote me back in two days at the latest. Capital One still does not have chat or email support during this global coronavirus pandemic-worst of all. 

Before this global coronavirus pandemic, Capital One has employees all over the world answering their telephone calls 24 hours a day. What is wrong with their employees in different countries now? why the phone lines is always over an hour wait now?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: TN

Complaint narrative:
XXXX XXXX, i have called complained, Disputed and Still no help. I filed a police report 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 2020-04-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America ignored my fraud claims. Bank of America reinserted an account and failed to notify me within 5 business in accordance with FCRA. It isXX/XX/XXXX and neither B of A nor XXXX  has yet to inform me and the reinsertion occurred in XX/XX/XXXX. I attempted to dispute this but XXXX  refused to even accept the dispute. What's more? This card is associated with a fraud claim. Additionally, there are two claims filed in XX/XX/XXXX and XX/XX/XXXX from unemployment card which was serviced by Bank of America. Both of these were denied by the bank as well despite the overwhelming evidence showing they were indeed fraudulent. One example is the fraudster sent a XXXX XXXX in her name from my account. I was the only one on the account. She then received the money- again, both in her name. Bank of America handled this with malice just as they did with the credit card fraud claim they had ignored. The FRCA strictly forbids before like this and has remedies set forth for creditors and the like who act willingly and with malice to the hurt of a consumer. The penalty is very clearly defined as {$1000.00} per violation plus damages.

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 2020-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America ignored my fraud claims. Bank of America reinserted an account and failed to notify me within 5 business in accordance with FCRA. It is XX/XX/XXXX and neither B of A nor XXXX  has yet to inform me and the reinsertion occurred in XX/XX/. I attempted to dispute this but XXXX  refused to even accept the dispute. What's more? This card is associated with a fraud claim. Additionally, there are two claims filed in XX/XX/ and XXXX XXXX from unemployment card which was serviced by Bank of America. Both of these were denied by the bank as well despite the overwhelming evidence showing they were indeed fraudulent. One example is the fraudster sent a XXXX XXXX in her name from my account. I was the only one on the account. She then received the money- again, both in her name. Bank of America handled this with malice just as they did with the credit card fraud claim they had ignored. The FRCA strictly forbids before like this and has remedies set forth for creditors and the like who act willingly and with malice to the hurt of a consumer. The penalty is very clearly defined as {$1000.00} per violation plus damages.

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 2020-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX  XXXX XXXX ignored my fraud claims. XXXX XXXX XXXX reinserted an account and failed to notify me within 5 business in accordance with FCRA. It is XX/XX/XXXX and neither XXXX XXXX XXXX  nor Experian has yet to inform me and the reinsertion occurred in XXXX XXXX I attempted to dispute this but Experian refused to even accept the dispute. What's more? This card is associated with a fraud claim. Additionally, there are two claims filed in XXXX XXXX XXXXnd XX/XX/ from unemployment card which was serviced by XXXX  XXXX XXXX. Both of these were denied by the bank as well despite the overwhelming evidence showing they were indeed fraudulent. One example is the fraudster sent a XXXX XXXX in her name from my account. I was the only one on the account. She then received the money- again, both in her name. XXXX  XXXX XXXX handled this with malice just as they did with the credit card fraud claim they had ignored. The FRCA strictly forbids before like this and has remedies set forth for creditors and the like who act willingly and with malice to the hurt of a consumer. The penalty is very clearly defined as {$1000.00} per violation plus damages.

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 2020-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX, i have called complained, Disputed and Still no help. I filed a police report 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 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 I deposited XXXX checks in my Chase checking account. Immediately after the funds cleared. The bank ( Chase ) closed my account with absolutely no reason, I believe this to be unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Other debt
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: Armada Corp.
State: WA

Complaint narrative:
I have a few problems with this establishment 's tactics, so I will try to wrap it all up here. Armada corp has a monopoly on debt collection in XXXX and XXXX county, and they know it and use it to their advantage. My account with Armada started over a decade ago and has since become over thirteen ( 13 ) different accounts for each debt they found ( or created ). Armada has on every charge failed to inform me of new debts as they came in. Looking at the only document Armada has sent me in our ten-year relationship shows a pattern of paying off medical debs or non-criminal/traffic debts. This is important as they use these kinds of debts as another means of pressuring citizens into paying them. They do this by threatening to A : Charge you a higher interest rate and B : Suspend your driver 's license. The big issue ( besides this entire industry ) is on XXXX a new account was started from XXXX County XXXX. I moved from that part of the state in XX/XX/XXXX. I believe that Amada is fabricating debts for their own sick capitalist-driven gains.

Company response to consumer: Closed with explanation