vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 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 have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to Transunion, XXXX and XXXX back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.

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 2022-03-07 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 have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I applied online for a business credit card with Chase in XXXX of XXXX. They needed document to process my application ( copy of EIN ), I sent it to them and never heard back. I tried calling their customer service number and their hold times are always more than an hour. When I finally got time to call them and spend time holding such incredibly high wait times, I was told its been more than 30 days since I applied and they closed my Process. My credit report was pulled. 

I didn't want to spend time researching, my credit is perfect, so I figured I will just go to the branch and apply for a credit card in person. 
I visited the branch on XXXX and applied for a credit card. I emailed the banker a copy of EIN for my business and also applied it to the website provided in a letter from Chase. 

I have spend ridiculous amount of time calling Customer Service, being transferred from one department to another department. Talking to their Executive Office was a waste of time, they did not to anything, instead they closed my case and told me their loan department will reach out to me. To this day, nobody reached out to me and I have not received a response to my business card application after I provided them with the copy of my EIN for my business.

I also reached out to XXXX XXXX XXXX and they closed my case with the result of this issue being resolved, however nothing was done. Chase just told them that case has been closed and consumer has been notified. 

We are in XX/XX/XXXX and I started applying for a simple business credit card in XXXX of XXXX. 
This has been the worst experience ever, however I am looking to get a resolution as I do not want to go apply somewhere else for the third time to just open my business credit card!

Their customer service and Executive office take no ownership of issues their customers are having.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TX

Complaint narrative:
I have already sent a CFPB report on deleting this account that was not authorized by me to furnish and this account was not opened by me. I have been a victim of identity theft and due to that my lively hood has been damaged I have suffered a lot due to my credit score remaining low. Account : XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
During covid i selected to utilize the forbearance option on my mortgage. once the forbearance period ended, I was given three options to satisfy my outstanding balance plus getting back to my normal monthly payment schedule. Thinking it would be in my best interest to modify the loan to include the outstanding balance i selected the loan modification option. once selected i followed the trial payment schedule to a T. 120 days later the mortgage servicer Shellpoint was ready to modify my loan. 24 hour prior to signing the loan modification documentation i was notified that my credit report was hit by shellpoint with a over 120 day late payment on my mortgage. I contacted Shellpoint and they agreed i have been making my monthly trial payments and that payment is going towards my monthly mortgage payment. I have requested documentation from shellpoint that states by selecting the loan modification option it will adversely effect my credit report. No such documentation is available or has been provided. I asked how to fix this and they didn't have any suggestion but to file a complaint. why would XXXX XXXX or XXXX XXXX every provide options that would so negatively impact the end consumer. I have never in my life missed a schedule mortgage payments. My credit went from a XXXX to a XXXX over night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX2022 {$950.00} Zelle XXXX XXXX2022 {$1000.00} Zelle Supposed to be security and first month rent now he blocked me and wont send me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I, XXXX XXXX, are reporting Consumer Adjustment CO for FRAUD and aggravated identity theft and for violating the Social Security Act and false and misleading information.

The CFPB, FTC, IRS, needs to investigate them immediately, expeditiously they are frauds!!!!!

This company CONSUMER ADJUSTMENT CO has my social security number and is using it without my authorization, violation to my consumer rights pursuant to 42 U.S. Code 408 - Penalties. I did NOT give them authority to use MY SOCIAL SECURITY NUMBER!!!!!

This company is furnishing my information to all credit reporting agencies and I did not give them permission to they are using my social security number and I did not give them permission to do this is a federal violation to the Social Security Act.

Consumer adjustment CO brought my information/Social Security number from another company ( I dont which company ) however, This is a violation to the Social Security Act and aggravated identity theft pursuant to 18 U.S. Code 1028A - Aggravated identity theft This company CONSUMER ADJUSTMENT CO is committing fraud pursuant to 18 U.S. Code 1030 - Fraud and related activity in connection with computers. They are using their computers to furnish my information using my social security number WITHOUT MY AUTHORIZATION!!! PLEASE CFPB INVESTIGATE THEM THEY ARE IN VIOLATION REGARDLESS OF ANYTHING THEY SAY!! THEY ARE USING MY SOCIAL SECURITY NUMBER WITHOUT MY AUTHORIZATION!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

I WILL GET MY REMEDY FOR VIOLATIONS OF MY RIGHTS BELIEVE ME ON THIS!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
On XXXX XXXX, 2022, I applied for Unsecure line of credit for {$20000.00} but was denied an extension of credit by ALLIANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Global Equity Finance, Inc.
State: MA

Complaint narrative:
There isn't a topic choice applicable. I would like to file a complaint against this Mortgage Lender. These XXXX  have repeatedly been filling my mailbox with phony come-ons disguised to look like official mail from my mortgage lender in order to solicit for their scam refinancing offers. Despite having opted OUT of all XXXX mailings years ago, these crooks continue to send me solicitations. I have asked them to stop, I have filed XXXX complaints demanding they cease and desist, and despite them telling the XXXX that they will, the phony mailings continue. They disguise their junkmail to look like mailed checks. Their name is not visible until the mail is opened, and the From Address indicates : notification regarding ( name of my lender ) Loan with a phony notice ID number. This is obviously done to fool the recipient and is a sleazy practice that I believe is illegal. I would also appreciate it if these XXXX would stick their noses out of my personal financial business, as they apparently comb records looking for people to scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-07 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-07 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: AL

Complaint narrative:
ON XX/XX/2021 I CALLED XXXX XXXX TO FIND OUT WHY MY ACCOUNT HAD BEEN CLOSED ON XX/XX/2021, concerning XXXX XXXXXXXX Account number XXXX. This is my fourth time trying to get this issue resolved. You continue to ignore the violations you are breaking by reporting information that supposes to be excluded from my consumer credit report. You ignore my dispute and place the blame elsewhere but you are the one WILLFULLY VIOLATING THE LAW which is another violation. By law, you can not continue to ignore and break the law. It will not hold up in court. Updating my credit report is not fixing the issue when you suppose to delete whatever violates FCRA Laws. This is causing me to get denied credit, causing stress, and is damaging my reputation. If you continue to be a lawbreaker I will have no choice but to sue you for the damages you have caused. It's a shame I have to continue to go through this cycle because you continue to not comply with FCRA Laws. It is very annoying, tiresome, and stressful. Please obey the law! If this doesn't get resolved I will file a lawsuit with 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 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
Some time in 2015 my discover card got used for purchases at XXXX which i did not make have gone back and forth with discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XXXX of last year there was a Chase credit card open in my name and then also on Amazon credit card open in my name and my identity was stolen along with my social security number my driver 's license I'm putting documents for me and my kids so I've been going to XXXX and back and I also lost {$2000.00} with the money because of this identity theft and I just found out this month that three major companies had their company 's hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: IL

Complaint narrative:
It has come to my attention that AMERICAN EXPRESS has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an adverse action pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the consumer credit transaction using my credit card pursuant to 15 USC 1602 ( L ) making AMERICAN EXPRESS an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means AMERICAN EXPRESS benefitted from the transaction. I am the one who extended credit through the credit application. AMERICAN EXPRESS used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. AMERICAN EXPRESS is civilly liable for violations of TILA pursuant to 15 USC 1640. AMERICAN EXPRESS is civilly liable for violations of ECOA pursuant to 15 USC 1691e. 
I DEMAND the credit applied for to be approved and to operate the account in open ended status. I demand my card be mailed to the location information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: KY

Complaint narrative:
The company has sent us an increase in our escrow for no apparent reason. Our home owners insurance went down this past year and our property tax only increase by a {$100.00} or so and they say we are over {$800.00} short for the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX : XXXX -- -> : {$2900.00} DEPT OF ED/XXXX : XXXX -- -> : {$1300.00} DEPT OF ED/XXXX : XXXX -- -> : {$2900.00} DEPT OF ED/XXXX  : XXXX -- -> {$3900.00} DEPT OF ED/XXXX XXXX XXXX -- -> {$3700.00}

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 non-monetary relief
Consumer complaint received 2022-03-07 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: CA

Complaint narrative:
I reached out to XXXX, XXXX, and Equifax regarding fraudulent accounts reporting on my credit in XX/XX/2022. I sent them a letter with an affidavit and my identification. It's now been over 60 days and I haven't received anything. There has been no removal of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: CA

Complaint narrative:
I reached out to XXXX, Experian, and XXXX regarding fraudulent accounts reporting on my credit in XX/XX/2022. I sent them a letter with an affidavit and my identification. It's now been over 60 days and I haven't received anything. There has been no removal of the accounts.

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 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX, my wife made a routine purchase using our Capital One Venture card. The purchase amount was about {$750.00}. Immediately, the charge was denied due to lack of funds. We've had this card for over 7 years, paid all payments on time, and have never gotten close to the limit except for maybe a couple of occasions. Capital One has reached out in the past to confirm if a purchase was valid before, but it was always resolved quickly. This time they only sent an e-mail to call. I called Capital One to figure out what the issue was. The representatives informed me that the card was put into 'restricted ' status and would not be opened until I provided a copy of my driver 's license, a copy of my Social Security Card, AND a copy of a recent electrical bill to prove residency. I explained that the information they are requesting is unreasonable and there have never been any issues with my account before. I was transferred to a 'manager ' who echoed the same request for documentation. XX/XX/XXXX, I called again to hopefully find another means to resolve the issue. I spoke with another 'manager ' who repeated the same request for documentation. I can not get my account unrestricted in any way without providing these documents to them. Capital One refuses to disclose any information as to why my account was set to restricted until I provide them the documents. They have provided NO OTHER means to resolve the issue or any information regarding the issue until I provide those documents. When asked where in the Terms and Conditions it states that this is required the agent cited a section and language that does not appear on the Terms and Conditions Capital One has on their website. I could not find where it's mentioned or why it is required in the Terms and Conditions. I do not feel Capital One 's request is reasonable considering that Capital One had a massive data breach in XXXX and sending these documents would expose me to greater risk than I am comfortable with. I have no guarantee or assure that my identity would be safe, other than the word of Capital One 'agent '. As an customer with, previously, good standing I feel that the treatment I have received is beyond unconscionable.

Company response to consumer: Closed with explanation