vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I checked my credit expecting to see a rise in my score because I have paid off a collection account in full. XXXX XXXX XXXX XXXX {$870.00}. I Paid through XXXX XXXX XXXX. Instead XXXX XXXX XXXX was dropped from my report and my credit has dropped 21 points. It is supposed to rise 25 points when you pay off a collection account in full. I have a Thank-you letter from XXXX XXXX XXXX showing the amount and that it is paid in full. The original creditor, XXXX XXXX XXXX XXXX, is still on my report showing it was charged off. This is just wrong! I am being penalized for paying off a debt. I filed a complaint with both XXXX and Equifax. They sent their results today XX/XX/2020 and stated that the information is correct and the dispute was closed. How is this possible? I would like them to put XXXX back on my report showing it is paid in full and giving me the corresponding rise in my score ... .. 
Thank-you for your time in this ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have no idea if these calls are coming from Capital One [ ( XXXX ) XXXX ] or XXXX XXXX - XXXX XXXX XXXX [ ( XXXX ) XXXX ]. However, I have spoken to both companies and stated that I only speak to companies whose Company 's callerID come through. The phone numbers that come through are described as either Non-Fixed VoIP, VoIP or Unknown. The four telephone numbers that have come through just over the last two days alone have been : Unknown @ XXXX on XX/XX/2020 ; ( XXXX ) XXXX @ XXXX on XX/XX/2020 ; ( XXXX ) XXXX @ XXXX on XX/XX/2020 and XXXX and XXXX on XX/XX/2020 ; ( XXXX ) XXXX @ XXXX, XXXX, and XXXX on XX/XX/2020 and XXXX and XXXX on XX/XX/2020. Last week on Thursday, I had 6 Unknown calls alone. This is what I call harassment when I had spoken to a representative with both companies and CLEARLY stated that the only way I speak and confirm ANY information is when I see a company name and phone number showing in my callerID. The representatives do not seem to either care or know how their numbers are showing up in people 's callerID since the representatives had demanded me to verify who I was. Also, with all of the calls, none of them appear to leave a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/2019 I went to XXXX XXXX  XXXX  located at XXXX XXXX XXXX XXXX, DE XXXX to purchase a love seat and sofa in the amount of {$540.00}. I reopened my charge with them that's serviced by Wells Fargo Bank. On that date a XXXX XXXX XXXX king size mattress in the amount of {$770.00} was sold to a customer by salesman XXXX XXXX and charged to my account. As soon as I noticed the amount that was charged to my account erroneously, I called XXXX XXXX  XXXX  to advise that the charge did not belong to me as I did not receive a Mattress. I've have spoken with XXXX XXXX XXXX  and Wells Fargo on numerous occasions stating the {$770.00} does not belong to me and I refuse to pay for items that I didn't receive. I paid the {$540.00} that I was responsible for and now the original {$770.00} has increased to {$1200.00}. This has affected my excellent credit history and caused my credit score to drop below 700 which has resulted in adverse action from my creditors. This has caused emotional distress for me because I pride myself in paying my bills and was never late with Wells Fargo until this happened. I have nowhere else to turn for help with this matter. Apparently, Wells Fargo or XXXX 's XXXX is not willing to help me resolve this matter.

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 2020-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
OnXX/XX/XXXX my mother went to the Bank of America with my sister whom has ill intentions for my XXXX year old mother. Bank of America in XXXX XXXX, CT told her and my sister that I had gained access to her account through a false power of attorney and this complaint builds on my last complaint of harassment at this branch. The fact is that my initial POA was poorly created, because I witnessed it, and did not know I could not be a witness on my own attorney of fact document. Then I went back to another branch ( XXXX, CT. ) after being racially profiled at the XXXX XXXX , CT. branch as a follower of XXXX, and gave them the new POA with the proper witnessed signatures. Not only did BOFA accept the POA, but they gave me a notarized stamp of approval on the actual screen print showing I am currently the POA. Now, this branch has already harassed me, and there was little I could do because the evidence was all he said she said --. But. The Truth is my mother, whom I live with and take care of, now thinks that I stole from her -- because Bank of America in XXXX XXXX said I did. It has damaged my relationship with her immeasurably, even though she consented to the POA in the first place, and this has also caused me emotional injury. I want the name of the person whom told my mother ( even though my POA -- which was already on file as of last month through the XXXX, CT. branch ) that I stole from her --. I am suing for emotional injury and if you think I am bluffing -- know that my XX/XX/XXXXwas created by XXXX XXXX XX/XX/XXXX. And also please know that the XXXX XXXX branch gave my mother a copy of the durable power of attorney that was initially incorrectly signed -- not the one they have on file that was given to the XXXX, CT. branch. Please see attached. I want terminations and I want names. I am suing for emotional injury.

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 2020-06-18 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: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
We took a car loan out from Bridgcrest Financial in XX/XX/XXXX. The account remains active with approximately one year remaining. Approximately XX/XX/XXXX, without our knowledge or input, Bridgcrest states they deleted the trade line from all credit reporting agencies ; as of today, this loan and our 100 % perfect payment history does not show up anywhere on any credit reporting agency. My first interaction with Bridgcrest regarding this was in XX/XX/XXXX, the time we discovered this had happened. Early XX/XX/XXXX the Customer Relations person from Bridgcrest called me to say they had identified the problem that caused the error and would be retroactively reporting all payments immediately. I recently received a letter from them dated XX/XX/XXXX which stated the exact opposite of the call I received and reiterates the trade line deletion. I engaged with them again several times and again was told it was an error on their part and it would be taken care of. The initial explanation was that because I filed chapter XXXX in XX/XX/XXXX, their policy is to not publicly report. I informed them I did NOT file chapter XXXX with their loan, my chapter XXXX occurred 19 months before I had ANY business with them. This loan was intended to help improve my and my husbands credit rating. They unilaterally removed reporting without our knowledge or input and they have admitted it was an error yet they have not fixed the problem. Because of this, I am about to buy out a lease which will cost me nearly9 % higher interest rate BECAUSE my auto loan with Bridgcrest does not show up on any credit report. Bridgcrest tells me they have sent info to XXXX. I have a case file on this with XXXX and again today they have stated they received nothing from Bridgcrest. XXXX agreed to reach out to Bridgcrest,  obtain the information and fix my credit report if I could provide a letter from Bridgcrest stating the account was active and payments were being made. I have asked Bridgcrest for this letter three times, I've been promised it three times and still I have not received it. I believe this is a breach of the contract I have with them. I need enforcement assistance please. Please let me know what additional information you need to assist with this issue. I appreciate your help. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an email from Citibank stating they reduced my credit line from {$8400.00} to to {$7800.00}. In XX/XX/XXXX Citibank made a decision to reduce my credit line from {$9400.00} to {$8400.00}. This credit card company reduced by credit line twice during the Covid Pandemic. I'm not in default with this company and have a good pay history with them going back 3 years. Every time they reduce my credit limit it hurts my credit score. I feel this business practice is very aggressive and in response to market conditions and not my ability to pay or my credit rating. I never requested a deferment during the pandemic, I continued to pay and pay ahead. This is unfair business practice.

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 2020-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I see this company on my credit and I don't know who this debt belongs to.

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 2020-06-18 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: KS

Complaint narrative:
The following inquiries are fraudulent id theft. please remove from my report XXXX XXXX VIA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone number not available Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number not available Requested On : XXXXInquiryType : Individual TRANS UNION NA VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XX/XX/2020, XXXXInquiryType : IndividualPermissible Purpose : CONSUMER INITIATED TRANSACTION XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType :  Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Participant XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX I have tried contacting transunion to resolve this but can not reach anybody.

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 2020-06-18 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: KS

Complaint narrative:
The following inquiries are fraudulent id theft. please remove from my report XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone number not available Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number not available Requested On : XXXXInquiryType : Individual XXXX XXXX NA VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XX/XX/2020, XXXXInquiryType : IndividualPermissible Purpose : CONSUMER INITIATED TRANSACTION XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Participant XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX  I have tried contacting XXXX  to resolve this but can not reach anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: KS

Complaint narrative:
The following inquiries are fraudulent id theft. please remove from my report XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone number not available Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number not available Requested On : XXXXInquiryType : Individual XXXX XXXX NA VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XX/XX/2020, XXXXInquiryType : IndividualPermissible Purpose : CONSUMER INITIATED TRANSACTION XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType :  Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Participant XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXX : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIA XXXX XXXX I have tried contacting transunion to resolve this but can not reach anybody.

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 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
repeated phone calls. my phone calls automatically go to voicemail. phone number XXXX calls multiple times per day and does not speak. i do not know what company it is. 
XXXX XX/XX/2020 called at XXXX, XXXX, XXXX, XXXX, XXXX XXXX 2020 XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XX/XX/2020 XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/2020 XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX i work third shift and sleep during the day. my phone is set to go straight to voice mail during the day. this number calls repeatedly amd does not speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I operate a small XXXX XXXX out of the XXXX XXXX. My XXXX was effected by the Covid shutdown. I have credit cards with XXXX XXXX, XXXX, XXXX, and Citibank. The Citi cards are what I want to discuss. The Citi bank cards I have are all in good standing except one. My bestbuy card through the CitiBank retail group. 

I contacted their support on XX/XX/XXXX to find out what my options were. 
They advised me their was nothing currently but they were aware they were going to do something for us card members. I have been a bestbuy credit card holder since XXXX, when it was with XXXX XXXX XXXX.. It's since changed hands to XXXX XXXX and now Citi with a good standing account. I was told all they could do was to take my autopay off my account and that she would have a manger reach out to me to discuss options when the company had something. I received a call around the end of XXXX/beginning of XXXX and was told they still haven't gotten something but they were about to, and they would call me back at that time. I have not received anything from them since. I was on the road volunteering since the beginning of XXXX with Covid relief. When I called today ( XX/XX/XXXX ) I was told that they had put a C & D on my account and now there is nothing they can do in regards to taking my late records off of the credit bureau ( 85 days late as of today ). That I had been sent a letter in writing in regards to the C & D for which I did not request. They should be requesting that be signed and mailed back before something like this is put on! This has been so drastic on my credit report it caused my SBA loan for getting a pandemic disaster relief loan to help with this crisis. If they had done what their counterparts in the normal CitiBank had done, I would have gotten my SBA loan and would have been able to make my payment to them this month without a problem. They have the WORST customer service I have EVER SEEN! I would be current if they had done what was fair, just, and in compliance with what they offered people in my position. I am sorry I relied on their support to call me back, like they said they would. Looking at my payment history for over 10 years should show I want to pay the account bills! 

If you live in a state with 1 party call recording, get a call recording app and record these calls. You can't rely on their people making reliable notes!

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 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After multiple telephone calls in XXXX and XXXX, 2020, XXXX XXXX XXXX ( XXXX  ) continues to report inaccurate information to each of the three credit bureaus.

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 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After multiple telephone calls in XXXX and XXXX, 2020, XXXX XXXX XXXX ( XXXX ) continues to report inaccurate information to each of the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After multiple telephone calls in XXXX and XXXX, 2020, XXXX XXXX XXXX ( XXXX ) continues to report inaccurate information to each of the three credit bureaus.

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 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
What happened - I have changed my legal name through court order - On XX/XX/2020 I used my new legal name to enrol and was eligible for US Bank 's " Because you've earned it '' program that required identity and credit worthiness check and provide customers with a high credit score benefits, including no maintenance fee for their Gold checking account - US Bank was also offering a sign-up cash bonus for new checking accounts using a special online code. 
- On the same day, I submitted an application to open a Gold checking account with the sign-up bonus code and using the same personal information vetted earlier. The application was declined due to " problems to verify my identity '' - I then called US Bank and the agent informed me that I should go to a branch to provide more information about my identity so that my application could be approved. 
- On XX/XX/2020 I went to a branch in XXXX XXXX, California. I explained the situation to the bank teller, I provided my driver 's license, social security number and signed court order. The bank teller took copies of all documents and told me that I'd need to return at a later date, since the branch manager was unavailable. 
- Some days later, I received a call from the branch manager asking me to bring original documents to the branch so they could open my account. During my visit, the branch manager mentioned that my online application was declined and I should file a new application. However I would not be eligible for the promotional sign-up bonus. 
- Since I was eligible and wanted the sign-up bonus, the recommendation was to go back home and file another application online. The bank agent at the time suggested filing the application with my former name. 
- On XX/XX/2020 once again, I checked my eligibility for the " Because you've earned it '' program and since I was still eligible, I filed another Gold checking account application. At this round, I used my former name. This time the application went through without a denial. 
- After four days without a response, I called US Bank on multiple occasions and learned that my application was " under review ''. 
- On XX/XX/XXXX, I finally got a denial email stating the bank could not verify my identity and the application was declined.

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