vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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:
My name XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY they are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I need my correct information updated.I have some addresses on my credit file that are not accurate. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: GA

Complaint narrative:
My name XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY they are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I need my correct information updated.I have some addresses on my credit file that are not accurate. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I already have been waiting fifteen days to get a banking statements for the last eight months and have been with this financial institutions for the last three years? What I find remarkable to be a finanacila institution and not be able to furnish bank statements? I am very appalled and upset? Especially when you have double standards and certain special procedures? I was hopeing for the last three to four weeks if you can find out why American exspress debit credit card can not send a ( 6-8 ) months bank statements please? And if you are able? to find out please? I would appreciate an honest answer? Or possibly the report from there institution asap? sent to ; XXXX, XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 Applied for Capital One Bank Card credit card to get extra credit for Walmart Purchases as I shop there a lot and responded to the add. I have excellent credit. Received a denial letter dated XXXX saying that the XXXX credit report had a derogatory public record, and etc. Printed the XXXX  Credit Report and show nothing wrong. The public record was discharged 10 years ago and have no late payments an a credit score of XXXX. Sent another letter to Capital One stating have no lates, public record is 10 years old, balances all in line, no adverse factors, and credit vendors run routine inquiries. Also, I have another Capital One Credit and no lates. I believed that Capital One is discriminating against me because of my old age. Tried to call them, but they are not answering the phone. 

The is additional information on Filed Claim on XXXX and Claim number XXXX and no answer yet. 

However, discovered that VISA is BLACKING LISTING FOLKS AND THIS MIGHT BE THE REASON THAT CAPITAL ONE BANK denied me the credit card with excellent credit see attached. 
PDF " Social Credit Score Is In America : Visa Blacklisted My Business and My Family for Building Gab ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Unable to resolve disputes via XXXX. XXXX  and XXXX  : Adverse account : XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance : XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 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: CA

Complaint narrative:
I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$580.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$600.00}. The original creditor is XXXX. I am a victim of identity theft and this debt is not mine. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, 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 2020-07-01 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 am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$580.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$600.00}. The original creditor is XXXX. I am a victim of identity theft and this debt is not mine. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Complaint involving Capital One Bank and XXXX XX/XX/2020 : Filed a dispute with XXXX  and XXXX  regarding my Capital One Secured Credit Card balance. It was not reporting a {$0.00} balance XX/XX/2020 : Was notified via updates to XXXX XXXX XXXX  that my balance had been updated and my score increased by 43 points XX/XX/2020 : Was notified by XXXX XXXX XXXX of a decrease of 24 point, because my Capital One Credit Card account was totally removed from my XXXX  Report XX/XX/2020 : I reviewed my XXXX  Credit Monitoring, and I noticed that my score fell by 42 points and was only reporting one ( 1 ) credit card through XXXX XXXX XXXX. My Capital One account had been removed from my XXXX  Credit Report and upon further investigation, I found that it was also removed on my XXXX  Credit Report Summary : Through multiple attempts in the last two and half weeks, Ive been bounced around by both the lender ( Capital One ) and the XXXX  and XXXX  reporting bureaus. I have not been able to make contact with XXXX, due to the COVID-19 limited call center hours. 

Capital One has informed me that there is still an investigation into my account from my previous dispute even though it is noted on previous Credit Reports that the dispute was resolved. They cant give me an estimated time of when the investigation will be completed at this time, they have stopped reporting any payment history or credit limit on the account form both myself and my husband ( authorized user ). This is hurting my husband and my score and is preventing us from the much needed approval from our mortgage lender. 

We are attempting to gain a pre-approval for a house that is to be built with a completion of XX/XX/2020. 

I have recently received a letter from Capital One, both via email and by physical mail today ( XX/XX/2020 ) stating that they have reported my account information to all three bureaus even though multiple customer service staff have told me that they dont have record of said letter in their files. 

Any help will be much appreciated! 

XXXX XXXX XXXX XXXX **Prior to XX/XX/2020, my Capital One Credit Card was noted as having exceptional payment history on my reports. I also recently received an increase from my {$200.00} limit to {$500.00} within in the last three weeks. **

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I submitted two Requests for Mortgage assistance to Carrington Mortgage. I submitted one in XX/XX/2020 and another in XX/XX/2020. 

Both RMA 's were canceled because " I failed to forward the documents to complete my application. '' Regarding the XX/XX/2020 RMA Carrington continued to tell me that I did not comply with their requests for documents that they stated were missing from my application. The fact is I sent the documents on three occasions and the said the documents were not received, therefore my application was canceled. 

At this point, I began to investigate why they did not receive my documents and I discovered that the Carrington representative had given me an incorrect email address to forward documents. ( attached # 1, 6 examples ). The correct address should be : XXXX, instead they gave me this email address : XXXX. 

The email address they gave me was missing the S in the word assistance. 

The second time they canceled my RMA was because I stated on the RMA that I had " rental income. '' I do in fact have rental income on another property I own. Their Statement to me was, " That I falsely stated that I had rental income on my primary residence. The form in part, ( attached # 2 ) is clear in the question ; " Do you have rental income? '' I answered the question factually. I do have a rental income. It is not generated from this property, but I do. Because Carrington felt I was being deceitful they canceled my RMA, again. On a three-way phone call to Carrington with my HUD counselor on the line, a Carrington representative admitted that they made a mistake in canceling the  second RMA, but this action was irreversible and the application could not be

rein stated.

At this point, Carrington has accepted my third RMA and it is now in underwriting, but they refuse to confirm that the XX/XX/2020 sale date has been postponed pending the outcome of underwriting 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: NJ

Complaint narrative:
I made a purchase at Home Depot using the Home Depot credit card in XXXX and paid the bill in full online before the XX/XX/2020 statement closing date. Home Depot did not send to me the XX/XX/2020 credit card statement. I asked Home Depot to mail or provide an electronic credit card statement for my records but they said that they do not generate a credit card statement when the balance is XXXX  even if the account had activity during the period. I need the statement for my tax records and for proof that I paid the bill. Other credit card companies provide a statement for any statement period with activity.

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 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
Complaint involving XXXX XXXX XXXX  and Transunion XX/XX/2020 : Filed a dispute with Transunion and XXXX  regarding my XXXX  XXXX Secured Credit Card balance. It was not reporting a {$0.00} balance XX/XX/2020 : Was notified via updates to XXXX XXXX XXXX that my balance had been updated and my score increased by 43 points XX/XX/2020 : Was notified by XXXX XXXX XXXX of a decrease of 24 point, because my XXXX XXXX Credit Card account was totally removed from my Transunion Report XX/XX/2020 : I reviewed my XXXX   Credit Monitoring, and I noticed that my score fell by 42 points and was only reporting one ( 1 ) credit card through XXXX XXXX XXXX. My XXXX XXXX account had been removed from my XXXX  Credit Report and upon further investigation, I found that it was also removed on my XXXX  Credit Report Summary : Through multiple attempts in the last two and half weeks, Ive been bounced around by both the lender ( XXXX XXXX ) and the Transunion and XXXX  reporting bureaus. I have not been able to make contact with XXXX, due to the COVID-19 limited call center hours. 

XXXX XXXX has informed me that there is still an investigation into my account from my previous dispute even though it is noted on previous Credit Reports that the dispute was resolved. They cant give me an estimated time of when the investigation will be completed at this time, they have stopped reporting any payment history or credit limit on the account form both myself and my husband ( authorized user ). This is hurting my husband and my score and is preventing us from the much needed approval from our mortgage lender. 

We are attempting to gain a pre-approval for a house that is to be built with a completion of XX/XX/2020. 

I have recently received a letter from XXXX XXXX, both via email and by physical mail today ( XX/XX/2020 ) stating that they have reported my account information to all three bureaus even though multiple customer service staff have told me that they dont have record of said letter in their files. 

Any help will be much appreciated! 

XXXX XXXX XXXX XXXX **Prior to XX/XX/2020, my XXXX XXXX Credit Card was noted as having exceptional payment history on my reports. I also recently received an increase from my {$200.00} limit to {$500.00} within in the last three weeks. **

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 2020-07-01 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: TN

Complaint narrative:
Remove the fraudulent information

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 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Trying to set up XXXX  for payroll for our business, they said we had to complain to you ...? 
WHAT is it going to take to be able to business with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: CA

Complaint narrative:
I previously filed a complaint # XXXX & XXXX and requested immediate deletion of Bankruptcy that does not belong to me : US BANKRUPTCY COURT-XXXX  XXXX Reference Number : XXXX. 

I previously wrote you to investigate and verify this bankruptcy listed on my credit report, which you responded to as being verified. 

The court informed me that they do not show any record of a bankruptcy filed under my name and identification information. Further, the court does not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. It is quite clear that Experian did not verify this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

In your response to my complaint # XXXX it was stated Experian verified this bankruptcy as belonging to me. This is completely false and I demand proof of this verification. 

I have provided you in my complaint # XXXX a XXXX Consumer Verification proving this bankruptcy does not belong to me, which is the only legitimate alternative to asking the court for verification. 

I have also placed a fraud alert on my credit report upon becoming aware of this and I have filed a police report and have provided the police report to Experian. I FORMALLY REQUEST IMMEDIATE DELETION of this Bankruptcy on my Experian credit report that does not belong to me : US BANKRUPTCY COURT-XXXX  XXXX Reference Number : 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 2020-07-01 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: CA

Complaint narrative:
On XX/XX/2020 I received information from XXXX that an investigation was done on my behalf to prove that this account was mine. I still havent received any information as to the accounts listed in my Initial disputes. For instance, they are four XXXX XXXX Accounts that are questionable. I have yet to received any written documents stating these account are mine with my signature. They keep stating that they verified these accounts but I have yet to receive anything that states these account belongs to me. This is the second request for these items. Per FCRA 601. ( A ) by Federal Law Im supposed to received written documentation stating with my signature showing these accounts are mine. Without that, these accounts are to be removed from my credit files 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 2020-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my PNC account to my XXXX XXXX account, but PNC blocks this transaction. Same thing happened when trying to link the PNC account to XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was contacted by the company ( They should have recorded calls ) in  XX/XX/2019. I told them the monthly payment is too much and I am unable to pay due to some job problem. They told me they have this special program where they can enroll me and I can tell them a fixed amount I can afford to pay monthly. I told them I can afford XXXX $ a month. They took my payment method and put my card on auto pay. after 4 months XXXX, XXXX, XXXX and XXXX passed by I see that I have late payments reported for these 4 months on my credit reports where as due to the agreement i was making the payments on time. I tried to call them and explain this but their customer service never listen to me. 
These late payments shouldnt be on my credit report since I was paying the amount they told me to pay all 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TN

Complaint narrative:
Remove the fraudulent information

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 2020-07-01 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: TN

Complaint narrative:
Remove the fraudulent information

Company response to consumer: Closed with explanation