vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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:
On XX/XX/2021 I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

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 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XX/XX/XXXXMade on : XXXX Made with : Transunion Made by : XX/XX/XXXXAcct Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX on : XXXX Made with : Transunion Made by : XXXX XX/XX/XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XX/XX/XXXXMade on : XXXX Made with : Transunion Made by : XX/XX/XXXXXXXX Made on : XXXX Made with : Transunion Made by : XX/XX/XXXXMade on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XX/XX/XXXX Made on : XXXX Made with : Transunion

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 2021-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lil' Wave Financial, Inc.
State: FL

Complaint narrative:
I called to pay my mortgage for the XX/XX/XXXX payment with one of Superior Loan Servicing representatives on XX/XX/XXXX, which was a XXXX. They stated they do not process same day payments in their office, therefore the XXXX payment was processed and debited out of my account on XX/XX/XXXX. 
XXXX states the Mortgage is considered paid when it is received. Thus, my payment should not have any 30 day late payments for my mortgage history. 
This is crucial to my refinance efforts for this mortgage. 
Please correct the payment history to show 0x30 days for the entire life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TN

Complaint narrative:
On XX/XX/2020, 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 Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
My mortgage company ( LoanCare , LLC ) has not paid my county taxes through my escrow account for the year XXXX. They always handle this and I was not aware it wasn't paid until I received a delinquent tax notice with accrued interest and late penalty. As of today XX/XX/XXXX they still have not paid the county taxes. I reached out to the mortgage company on XX/XX/XXXX as soon as I received the tax notice. I was able to get someone on the phone and I was informed to send them a message with a picture of the tax notice. She assured me that it would be handled if I did this. I immediately followed through and sent " LoanCare , LLC '' the message with the tax notice. Since then I have tried, on many occasions, to contact customer service, but no matter what I do I am not able to get anyone on the phone. I also sent them another message on XX/XX/XXXX and informed them that I would seek further action if nothing was done. The principal balance due is {$1000.00}. The late penalty is {$100.00} and the accrued interest is {$38.00}. I am not sure what else to do at this point other than hire an attorney. Thanks

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 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have opened multiple times of multiple dispute cases for XXXX unauthorized charges on my American Express Serve Prepaid Debit card since XX/XX/2021. They declined the dispute cases every time without any explanation. What worse is they permanently suspended my account after they declined my dispute on XX/XX/2021 because I keeping re-open those dispute cases after they declined me. I can not open any dispute cases any more and get my money back because of permanently suspended my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I owned two XXXX XXXX? XXXX XXXX XXXX accounts with the original creditor. These accounts were established around XXXX and XXXX. XXXX sold these accounts to Portfolio Recovery Associates I believe in XXXX. The first account had a credit of {$1000.00} where the second was under {$3000.00}. After paying these accounts for years, $ XXXX $ XXXX monthly on each, I noticed that the balance was never decreasing. I contacted the creditor on numerous occasions requesting the terms of the credit, balance and payment history but would never receive the information. I contacted the creditor by phone frequently inquiring about the no-interest promotional offer and why the account was accruing interest and fees when I had a deferred interest promotion but could never get answers. I stopped paying the creditor, because at this point I had paid well over the original balance and the creditor was engaging in predatory practices. 

In XXXX I received a letter stating that the accounts were sold to Portfolio Recovery Associates. I have since informed Portfolio Recovery Associates that my accounts were paid to the original creditor ( XXXX  XXXX/ XXXX XXXX XXXX ) and that they have failed to provide me with the credit terms and payment history needed and what they were trying to collect on was inaccurate. Portfolio Recovery Associates has since reported me to the credit bureaus and have also filed a claim in court to collect on this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
There have been many companies open under my name and I did not open the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
XX/XX/2020 I switched cellular service from XXXX to XXXX. XXXX  provided my cellular service but XXXX state I need to pay them so I paid XXXX in XX/XX/2020 and they still stated I owed them even though I had not telephone service with them. XX/XX/2020 I paid XXXX. They starting calling my phone 20 times a day for months. Now they have sent it to Convergent Collection and they are send me letters. I spoke with them and gave the the transaction # where the money was paid from my account. This was not enough so now I have emailed them a copy where the money was disbursed to XXXX. XXXX keeps telling them to send me threatening letters and calls. I have proved I paid them and they reported this to my credit report. I dont owe them money.

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 2021-03-24 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I was checking my XXXX credit report for the year like I always do annually and I noticed 8 hard inquiries that I did not approve of and didn't know about. The companies for these inquiries are : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX All on XX/XX/XXXX and XXXX, 2020. And also XXXX XXXX on XXXX XXXX, 2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I was checking my XXXX credit report for the year like I always do annually and I noticed XXXX hard inquiries that I did not approve of and didn't know about. The companies for these inquiries are : XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX All on XX/XX/XXXX and XXXX, 2020. And also XXXX XXXX on XXXX XXXX, 2020 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 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 {$80.00} were sent via XXXX XXXX on chase mobile app. They were sent to an incorrect account due to the number listed on my quickpay was an old contact number. I attempted to reach out to the person if they would kindly send the money back, to no avail. My next step was through Chase Bank. They opened a case on XX/XX/2021 and I was told a credit would be placed in the mean time of {$80.00}. I sent the money to the appropriate contact number this time which I am certain can be verified that the incorrect account and the correct account differ. On XX/XX/2021 the {$80.00} amount was rescinded. I wasn't contacted about the investigation conclusions nor the findings. I called XX/XX/2021 to speak with the executive office and they opened a claim. That was denied due to insufficient evidence, but I wasn't provided any of the information that they looked into and was told that the issue was final. I asked to speak with their manager but the agent instead called me back and offered {$40.00} credit that they hardly if ever do and this was a special circumstance. I denied it and demanded to speak with the manager. At this point my issue has not been resolved and I know that {$80.00} may not seem like much to a big banking company to complain over, but in this pandemic age every dollar counts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
My escrow account was debited {$450.00} on XX/XX/2021 to cover wind damage insurance. This was despite numerous attempts on my part to provide the company with proof that I am already insured for this by the condominium association that provides for this. 

In XXXX, the mortgage servicer LoanCare , LLC requested that I upload a copy of hazard insurance documentation to a website they directed me to, which I did. I took me less than half an hour to get the info off of the webpage of my condo association and send it to them. Then the company wrote to me saying the info didn't show coverage included wind damage. It did, and I uploaded specific sections of the policy, and also had the insurance representative contact the company to clear up any questions. This all happened during a pandemic, and though it sounds simple enough, because their phone system is so Byzantine and customer service so poor, it has taken me over eight hours of my time to be on hold, talk with a person, and satisfy them that the insurance is in place. 

They still took the money out of my account, but when speaking with them, they have acknowledged that it was an error, that the insurance required is in place and they will refund my escrow account money once they receive the refund from the insurance company. I have requested that their error should not impact my escrow balance and that they should refund my money immediately, but my request to speak with a supervisor was ignored. 

This sounds perfunctory and should have been resolved quickly, but in actuality it took me hours on the phone, numerous written communications and has been frustrating to have to work on, all because of their incompetence, which they freely acknowledge. 


My loan number is : XXXX Their website address is : https : //www.myloancare.comXXXX XXXX XXXX Their telephone number is : XXXX Their address is : XXXX XXXX XXXX  Attn XXXX XXXX XXXX  XXXX, VA XXXX I can provide dates and times for the phone calls and letters if these are needed. Please help me, thanks

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 2021-03-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX/XXXX/XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, and XXXX XXXX XXXX/XXXX  opened last XX/XX/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 2021-03-24 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX/XXXX/XXXX  that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, SANTANDER  CONSUMER USA opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, and XXXX XXXX XXXX opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, An unknown person opened an account with XXXX XXXX using information that wasn't even close to mine. The {$160.00} was sent to collections after nobody paid. XXXX XXXX was negligent in not verifying information and responsible for this entire situation. 
On XX/XX/XXXX, Jefferson Capital assumed the account for collections and never sent me anything via mail. They called but the calls were suspicious and I thought it was Phishing Scam. 
In XX/XX/XXXX, I reviewed my credit and discovered this account had significantly impacted my credit score by negative 300 points. I disputed the account and it was deleted from my credit history. We have continued to receive mail and phone calls from Jefferson Capital regarding this account that has been verified as a fraud. Jefferson Capital has since passed the account to XXXX XXXX XXXX. I have spent at least 10 hours trying to have this account removed from my life and yet it continues to reappear despite XXXX XXXX acknowledging it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Valor Intelligent Processing, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, An unknown person opened an account with XXXX XXXX using information that wasn't even close to mine. The {$160.00} was sent to collections after nobody paid. XXXX XXXX was negligent in not verifying information and responsible for this entire situation. 
On XX/XX/XXXX, XXXX XXXX assumed the account for collections and never sent me anything via mail. They called but the calls were suspicious and I thought it was Phishing Scam. 
In XX/XX/XXXX, I reviewed my credit and discovered this account had significantly impacted my credit score by negative 300 points. I disputed the account and it was deleted from my credit history. We have continued to receive mail and phone calls from XXXX  XXXX  regarding this account that has been verified as a fraud. XXXX  XXXX has since passed the account to Valor Intelligent Processing. I have spent at least 10 hours trying to have this account removed from my life and yet it continues to reappear despite XXXX XXXX acknowledging it was fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is a formal complaint against Capital One XXXX  XXXX 1.5 % cash back credit cards. I believe that Capital One Credit Card practices are unfair and out of touch with real people. Apparently, the algorithm that was set up and being used by Capital One to automatically approve or deny a consumer 's request for a credit limit increase is unfair and flawed. I have been trying for three years to get a credit limit increase above my current {$1500.00} and have been rejected by Capital One almost 10 times. I have a credit score of XXXX or more, make over {$200000.00} annually, and make all of my payments 100 % on time, but I can not get a credit limit increase from Capital One, not even for {$500.00} additional. Among the lame reasons for rejection is that I haven't used the credit card enough to warrant an increase. This is false, because I use the credit card everyday. And since I can't get a credit limit increase, I can't use the credit card to make bigger purchases, just small purchases. 

I contacted Capital One today on XX/XX/2021 and was told by an Account Executive at XXXX, Florida that there was no one or no actual person that would be able to assist me to make an assessment to increase my credit limit and override the established process, and that the approval/denial process is automated and can not be altered. 

I want to know how many requests for credit card limit increases have been processed by Capital One, what is the percentage of those that have been approved or rejected, and what are those consumers ' credit scores and salaries? Because, I don't think I'm being treated fairly.

Company response to consumer: Closed with explanation