vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
on XX/XX/2018 Capital One denied myself, XXXX XXXX XXXX XXXX for a credit limit increase. Previously on XX/XX/2018, and XX/XX/2018, the credit limit was increased. My usage with the card is the same as previous months prior to the credit limit increase approvals in the past, Yet Capital One is stating otherwise. This is a clear violation of the ECOA. FDIC Compliance per fair lending practices section IV 1.1 states " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' This is discriminatory and unethical according to fair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: NC

Complaint narrative:
I disputed several erroneous accounts, address and inquiries in late XX/XX/2018, with all three credit bureaus. I believe I am a victim of identity theft due to multiple security breaches on my personal accounts. I am requesting the incorrect information is removed and blocked immediately.

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 2019-01-31 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: NC

Complaint narrative:
I disputed several erroneous accounts, address and inquiries in late XX/XX/2018, with all three credit bureaus. I believe I am a victim of identity theft due to multiple security breaches on my personal accounts. I am requesting the incorrect information is removed and blocked immediately.

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 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This is my third complaint against XXXX XXXX at Capital One. He continues to close my account without thoroughly investigating. He sent me a copy of a form that looks made up and isn't my signature. I called him several times, but he did not answer. XXXX XXXX had a pig of a salesman who literally ran my credit multiple times without permission and XXXX XXXX declined my request to remove the hard inquiry. I reported it to my state attorney department that handles this and hopefully they take care of it. I will not stop until I get justice and get these illegal acts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
This is my third complaint against XXXX XXXX at XXXX XXXX. He continues to close my account without thoroughly investigating. He sent me a copy of a form that looks made up and isn't my signature. I called him several times, but he did not answer. XXXX XXXX had a pig of a salesman who literally ran my credit multiple times without permission and XXXX XXXX declined my request to remove the hard inquiry. I reported it to my state attorney department that handles this and hopefully they take care of it. I will not stop until I get justice and get these illegal acts removed.

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 2019-01-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX  XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it removed.

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 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I called capital one to let them know I wont be able to make my full Payment if there is a program to help out customer 's in that situation. They transferred me to a accountant specialist. After talking to her and telling her about how they are so quick to charge a high late fee even of your 1 day late. The lady said that they have no power to waive off the late fee, but can work on a payment plan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I had a flood in my basement and recieved a check for the damages, which was also written out to the mortgage company DITECH, I have made several attemts to call them to see what I need to do with the check as they need to sign it as well. I have waited between 15 and 55 minutes on hold with out ever getting through, and it even went so far as when I told this to regular customer service and asked to speak to a supervisor, his rude response was I have other customers and rudely hung up on me I even went on their website and filled out the form to have them contact me but to no avail Please help me All i want and need is a response

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
Originally, in XX/XX/XXXX I have opened saving and investment accounts in XXXX XXXX XXXX  which is a former body before merging with Fifth Third bank. 
As I wanted to close the accounts, I asked the Fifth Third bank what I should do to close on XX/XX/XXXX. 
Then the customer service of the bank told me that I should make a phone call to a customer service professional of the bank and they could not give any information on my account through email due to their security reason. 
As the bank told, I called at their customer service professional on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX during the business hours. 
Because the phone was cut off automatically after 20 min every time, I can not talk with the bank stuff enough to solve this problem. And the stuff said that he could not search the old accounts of XXXX XXXX XXXX  at customer service. I'm at loss for this situation. 
They have not given any information through email with their security reason. I don't know whether my accounts of XXXX XXXX XXXX  belong to the Fifth Third bank and what kind of situation is my account. 
Also, I searched my accounts in Unclaimed Money website, but nothing matched. 
I want to know what I should do to close my accounts of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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:
I reached out to this agency back i XX/XX/2018 regarding some items on my credit there were not mine. I'm trying to go through the first time home buyer program at my church however I dont even qualify. If there is a next step is should take please let me know. Please have these items removed from my credit. XXXX Acct # XXXX and 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 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reached out to this agency back i XX/XX/2018 regarding some items on my credit there were not mine. I'm trying to go through the first time home buyer program at my church however I dont even qualify. If there is a next step is should take please let me know. Please have these items removed from my credit. XXXX Acct # XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Arete Financial Group
State: NM

Complaint narrative:
They called me on the phone and they told they were going to consolidate my loan to a single payment. They told me that they would help me stop paying two loans every month. I said OK and then they said they were going to charge me {$5800.00} for both of my loans which is about {$6400.00}. I agreed, after a few months i found out they were not paying, then i called them several times and they don't pick up my call. Later they called me back and said I did not have enough money so i said OK. I continued paying until i got to {$1900.00} and called them and they told me that they had started paying so I was happy and continued paying. Then I received a call from the loan company and they stated they have not received any payments. Then I called them and they stated they were speaking to a particular person. After that call i called my bank and stopped payment due to losing my job. I have been calling them to cancel the whole thing, I was able to talk to them after several calls, they told me they sent me an email stating they had canceled. they also left me a voicemail to call them back. Every time I call their toll free number I get the operator and they transfer me to another company that sells cars and they state it is the wrong number. Since then I have been calling them so they can refund my money and all they refunded me was {$5.00} which I was paying {$250.00} a month from XX/XX/2018 til XX/XX/2018. I then started paying {$280.00} a month then to XXXX. A total of {$2400.00}, out of this balance they only paid {$600.00} to one of the loan company. I have a bad credit no money and I don't know where my {$1800.00} is! I haven't heard from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
I paid off my two credit cards with. Contiental finance card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX XXXX   XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
I requested validation and verification of a bankruptcy with LexisNexis that has been reporting to the credit bureaus. After 30 days I received a response from Lexis Nexis stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if Lexis Nexis verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: U.S. BANCORP
State: TN

Complaint narrative:
I have had a joint account with my mother with US BANK for our mortgage for 30 years. This loan has been paid off. During the last 6 months or so, before paying off the house the payment amount changed because of the escrow. We were unaware of this change for a couple of months and CONTINUED to mail in the usual amount. After receiving a letter in the mail, I called and we were informed of the new amount. We were also informed that because we did not mail in the new amount, it was shown on the account as delinquent and reported to the credit bureau on both of our credit reports. I feel like this is unjust, for a client that has paid their mortgage on time for 30 years. I also feel like it is unjust because it was not a missed payment, but not the correct amount ( which I believe was less than {$100.00} per month ). This was not an ongoing issue, it happened when the escrow changed a couple of months before the payoff. I would like to see this negative information removed from both of our accounts. Thank you

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 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XX/XX/XXXX, I noticed there were 3 capital one accounts reporting on my credit report. 2 of them were accurate, and one of them did not belong to me. I mailed a letter to all 3 credit bureaus alerting them of the inaccurate account. I also stated in the letter that the other 2 accounts were accurate. By the end of XXXX I noticed the inaccurate capital one account was removed and so was one of my accurate accounts leaving only one capital one account reporting to all 3 bureaus. I called XXXX first to alert them of their mistake and they informed me that i needed to contact capital one in regards to this matter. I called capital one to inform them of the mistake and they stated that i should contact the credit bureaus. The Capital One representative also stated that they would be reporting after the XXXX of the month and i should give them a call back if i did not see the account on my report by the middle of XXXX. I didn't think much of it since my account was still open and i was still able to use my card. I logged into my online credit card account today, XX/XX/XXXX around XXXX and i was not able to view my personal credit card account information, however my business credit card information was available. I contacted Capital one around XXXX and the customer service representative informed me that my credit card account was closed do to fraudulence. There was no manager available for me to speak to about this incident. I have had this credit card open and in good standing for 2 years now and it is being closed in error due to the credit bureaus reporting fraud on the wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: GA

Complaint narrative:
I have written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it removed.

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 2019-01-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: NRA Group, LLC
State: NY

Complaint narrative:
-XXXX -ACCOUNT # XXXX -DATE OENED XX/XX/XXXX -AMOUNT $ {$350.00} -XXXX XXXX XXXX -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX -XXXX/XXXX  -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX AS WELL AS INQUIRIES FROM XXXX/XXXX   XXXX -DATE OF INQUIRY 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 explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to transunion XXXX  XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX  equafax XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX XXXX experian the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanHero, Inc
State: IA

Complaint narrative:
LoanHero has an account reporting negatively and the account is not me. I called them and was told they were unsure why that was reporting negatively because that company had been shut down.

Company response to consumer: Untimely response