vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 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: SC

Complaint narrative:
I will list several fraudulent hard inquires that I have on my credit report. I will please like to have these hard inquires removed since I didnt authorized them. I placed a freeze on my account but it was accessed via a mobile device without my knowledge, I now have a pin in place. I still receive mail at an address listed on my credit report that I no longer reside at, and a relative of mine does. I do know who attempted to open these account and I will take the proper legal right to address the issue. I do not wish to place a fraud alert on my account since Ive changed my account pin.

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 2019-03-19 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: Radius Global Solutions LLC
State: NM

Complaint narrative:
Two weeks ago, I reported an account that does not belong to me to Radius Global Solutions, and the FTC identitytheft.gov report for the amount of about {$2100.00} dollars. This account is fraudulent, and Radius Global Solutions has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: NM

Complaint narrative:
Hi, I have reported several accounts on my credit report as fraudulent because I am a victim of identity theft. I reported this through the FTC at identitytheft.gov and I have attached the report. I mailed the letter for Equifax about two weeks ago, and they have not responded or removed any of the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX sold the debt to Midland credit management, there was a settlement amount for {$470.00} the account was satisfied on XX/XX/2017 Midland credit management account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: IL

Complaint narrative:
I was assessed an Annual Fee on my Capital One Venture card on XX/XX/XXXX, and the day after being assessed the fee, I called Capital One on XX/XX/XXXXto see if the fee could be reversed. I was informed the fee could not be reversed, but that I could switch to a Quicksilver card which had no annual fee. I was led to believe this would reverse the annual fee I was charged, as this new product did not have an annual fee and in the disclosures read to me over the phone there was no mention that annual fees already assessed would not be refunded. Note : they will refund them if you close the account, but that harms consumers as it can negatively impact one 's credit rating. I feel the lack of disclosure is unfair and deceptive, and the policy to only reverse an annual fee if the account is closed is abusive, as it can harm a consumer. Additionally, they wouldn't switch me back to the fee product, so effectively I paid {$95.00} for a card that doesn't have an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have been a customer of Freedom Mortgage since XX/XX/XXXX and for the entire almost 5 years have requested, demanded, begged and pleaded for the company to acknowledge the ADA requirements to make a reasonable accommodation for my communication XXXX. I was born with XXXX XXXX XXXX which is a genetic, progressive XXXX XXXX which has rendered me legally XXXX. 
Although several authorized representatives have told me that they can email me documents I have only been granted one single bulk dump via email. This one and only time that I have been able to get correspondence emailed came after I spoke with XXXX XXXX of the executive branch at Freedom Mortgage. On a recorded line XXXX. XXXX told me ( in XX/XX/XXXX ) that she could not only setup my email correspondence but she sent me an email message verifying that she was going to do this. It was not until XX/XX/XXXX when I spoke with another employee about an entirely different situation that I was shown that the company is fully capable of emailing me correspondence in compliance with the ADA. 
I was also recently made aware that this is a violation of the Truth In Lending At ( TILA ) as well. 
Today, XX/XX/XXXX I was told by an authorized representative of Freedom Mortgage that he spoke with an executive on my behalf and that the person he spoke with said that Freedom Mortgage is not going to email me anything just because I want them to despite the fact that they are in violation of the ADA and consistently discriminating against me.

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 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX of 2019, US Bank closed all my bank accounts ( 3 business and 1 personal ) with no explanation and no justifiable cause. I requested a detailed explanation and they refused. This caused alot of issues in operating my business as well as paying my personal bills which led to negative reporting to the 3 major bureaus as a result of US Bank denying the payments to process. It took US Bank over 1 month to close my accounts and release me money in the accounts which was over {$55000.00}. They held my money hostage without my access for over 1 month. I complained to the branch manager and to corporate but all of them ignored my complaints. Lastly, I had filed 3 wire fraud claims amounting to over {$230000.00} involving a scam by a person and US Bank denied to help me then refused to open the claim to recover my 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 2019-03-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have mailed certified letters to the credit bureaus on multiple occasions in an effort to contest inaccurate information on my credit reports with Equifax, XXXX  and XXXX. Each time I get notification that the information is being disputed and subsequently verified and nothing is changed. I challenged 2 bankruptcies that are on my credit reports with Equifax and XXXX  ( XXXX  removed ). Equifax and XXXX   replied that they verified the information belonged to me. I then went physically into the bankruptcy office and spoke on record to individual who provided document stating that they had not verified any information about me with the credit bureaus. XXXX removed the 2 bankruptcy accounts but left 1 invalid/inaccurate account ( XXXX ) that has since been paid off but being reported as a charge off with a balance and negative history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
Since 2018 we have been trying to get mortgage assistance. We have been denied twice based on what they decided which we know we could of qualified. In our 3rd attempt we, with the same info previously provided, have been getting the run around in all types of documents they are wanting. What was a small amount of monies in arrear is now getting double of that because of their delay in application process? In their most recent request, they have wanted to have us have quitclaim deed, the house insurance, etc. While all of this is going on and we are in constant contact with them, they have us still going to court because they say the foreclosure process does not stop. Then why have us provide all this info and await a decision if you are still foreclosing? We are now chasing them by calling every day and still no official decision or approval paperwork but yet, they dont stop the foreclosure proceedings or update their attorneys. In Illinois, document states that if a loss mitgation application is in the works, they should of never proceeded with foreclosure proceedings but allow us enough time to resecure the debt. As mentioned in the beginning, we started this process a very long time ago when we fell into a financial issue of job loss. We started with a temporary relief of an unemployment application which just put us more into issues because by the time you are done with the payment plan, it consittes 1 whole month of mortage but yet you are now 6 months more in dedt. I believe they set us up for failure to take our home away.

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 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Consumers Inc
State: VA

Complaint narrative:
I was injured at work. All bills were sent into Human Resource department to get bills paid.

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 2019-03-20 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: NM

Complaint narrative:
I have reported several accounts on my credit report as fraudulent because I am a victim of identity theft. I reported this through the FTC at identitytheft.gov and I have attached the report. I mailed the letter for Equifax about two weeks ago, and they have not responded or removed any of the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To : XXXX XXXX Subject : Account Status Message ID:XXXX Hello. I received a credit alert today. It showed that I had an increase in usage and a decrease in available credit on my XXXX XXXX account. It showed that my XXXX limit was decreased from {$1000.00} to {$750.00}. I would like to know why my limit was decreased, since there haven't been any issues with my account? I am building a new home and this action by XXXX has drastically reduced my score which is going to hold up my mortgage financing since this action has dropped me below the score guidelines for approval of my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I had a collection appear on my account from a company called Commonwealth Financial. I disputed the account with the 3 major credit bureaus and they responded that the debt was verified but they did not send me anything to validate the claim of me owing this debt/company. I then wrote a letter to the collection company " Commonwealth Financial ''.

One month and 1/2 later approximately 50 days passed and they never responded to me. I then sent them a 2nd letter which included my previous letter along with the certified USPS receipt validating the date of delivery to their office. They mailed me a letter on XX/XX/2019 indicating that the debt is owed but still refused to send me any supporting documentation to prove so other than a generic print out of a hospital statement. This negligence and improper reporting on my credit report is causing me a serious hardship. My Rights as per the Fair Credit Reporting Act are being violated because Commonwealth Financial has neglected to send me physical validation of this debt as well as they totally neglected the reasonable time frame allowed to respond to my initial request for validation. This reporting is truly destroying my rating and I am requesting that it be looked into and removed from my reports as soon as possible. I appreciate your time in this matter and I would like to thank you in advance. I would love the opportunity to submit all of my correspondence that I have mentioned above. 
Thank you-

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Occasionally I receive emails from equifax titled : Equifax Confirmation Number : XXXX - Dispute Received ( confirmation number is different with each email ). 

You're supposed to be able to take the confirmation number and log in to check the status of your dispute. Typically it would ask you to verify various pieces of information that would be identifiable by only you, however, the questions that are asked almost never apply to me and I am denied access. I've called equifax on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( these are just the documented calls, as I typically call on fridays when i'm off work ). 

Each time they tell me that it's a network issue and they are working on it. The same story for over a year now. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Bayview Loan is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX  and XXXX  and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXXn and XXXX are reporting a monthly payment of {$1900.00} and XXXX is reporting {$0.00}. XXXX is reporting the date opened as XX/XX/XXXX and XXXX and XXXX are reporting XX/XX/XXXX. XXXX and XXXX  are reporting the last reported date as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX XXXX is reporting XXXXand XXXX is reporting it as XX/XX/XXXX. ALso XXXX and XXXX  are reporting it as 120 days late but XXXX is reporting payment status unknown. There are so many obvious FCRA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX I recieved an alert from my credit monitoring that a hard inquiry was put on my XXXX credit report. I did not at any time apply for credit with CAP1/XXXX XXXX  or otherwise authorize this. I called CAP1/XXXX XXXX at the number listed on my credit report ( XXXX ) and was connected with the application department. The person I spoke with verified that someone did apply for a credit card in my name, however the application was denied as " none of the information matched up correctly '' and the system flagged it as fraud. I immeadiately filed a dispute with XXXX, the next day ( XXXX ) I received a response that the investigation was complete and it was verified as accurate. I called XXXX  on XXXX. The representative said they " sent an electronic message '' and that it came back as verified. I explained the call I had with CAP1/XXXX XXXX and how they confirmed that it was fraudulent and requested they call CAP1/XXXX XXXX and speak with the applications department to clear this up. Both he and his supervisor refused. Afterwards I called Capital One since the inquiry came from one of their partner programs. No one there would assist with this, they only told me I would have to mail proper documentation to their credit reporting department. Considering they already have definitive documentation proving this is fraud I find this response to be unacceptable. My wife and I are in the beginning stages of closing on our first home together and I refuse to allow an act of fraud to derail this for us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Over the last 4 to 5 weeks, my bank and I have been working with Equifax to get my credit report from them. After about the 7th call, they finally admitted to me that they deleted my information. I have sent legal documents of identification to them, had my creditor send them info again. Yet still, they claim I don't have credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I have a problem with USAA and my credit card I have a limit of XXXX I was fine until XXXX of XXXX then from XX/XX/XXXX to XXXX of XXXX they are charging Late fees high interest charges on my credit card which they created they have racked up XXXX on my account and trying to get me to pay for there charges and telling me I have to pay them more money. I bring in about XXXX XXXX to pay my bills with I had everything caught up and made a allotment with my bank to send them 50. a month. I have talked numerous times to them taken the questions to make payment adjustments as I can not pay any more then 50.00 and they say that I do not qualify for any of there programs to take care of the mater instead Im getting Harrasing phone calls daily and threating letters say they are going to ruin my credit and taking my credit card and reporting me to credit bureau for delinqent for charges I never ran up. I told them that if they were not going to help me and remove the charges and late fees interest fees they will only get the 50.00 and I will not pay them any more money then the 50.00. I will not pay there late fees and their interest changes I can not afford to pay any more then what I do and they continue to add charges that I didnt occur. that is wrong why should be stuck with there greed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2019 I recieved an alert from my credit monitoring that a hard inquiry was put on my Equifax credit report. I did not at any time apply for credit with XXXX XXXX  or otherwise authorize this. I called XXXX XXXX at the number listed on my credit report ( XXXX ) and was connected with the application department. The person I spoke with verified that someone did apply for a credit card in my name, however the application was denied as " none of the information matched up correctly '' and the system flagged it as fraud. I immeadiately filed a dispute with Equifax, the next day ( XX/XX/2019 ) I received a response that the investigation was complete and it was verified as accurate. I called Equifax on XX/XX/2019. The representative said they " sent an electronic message '' and that it came back as verified. I explained the call I had with XXXX XXXX  and how they confirmed that it was fraudulent and requested they call XXXX XXXX and speak with the applications department to clear this up. Both he and his supervisor refused. Afterwards I called XXXX XXXX since the inquiry came from one of their partner programs. No one there would assist with this, they only told me I would have to mail proper documentation to their credit reporting department. Considering they already have definitive documentation proving this is fraud I find this response to be unacceptable. My wife and I are in the beginning stages of closing on our first home together and I refuse to allow an act of fraud to derail this for us.

Company response to consumer: Closed with explanation