vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been actively trying to repair my credit for a while now. In the midst of me reviewing my report, I noticed that there were a few incorrect items on my report that is negatively affecting my score. In attempt to repair the errors I have sent out multiple dispute letters, without any luck. Most recently, I filed a XXXX letter, sent XX/XX/2021, and have yet to receive a response. It is now XX/XX/XXXX and I have yet to get a response, nor have I seen any changes to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been actively trying to repair my credit for a while now. In the midst of me reviewing my report, I noticed that there were a few incorrect items on my report that is negatively affecting my score. In attempt to repair the errors I have sent out multiple dispute letters, without any luck. Most recently, I filed a 609 letter, sent XX/XX/2021, and have yet to receive a response. It is now XX/XX/XXXX and I have yet to get a response, nor have I seen any changes to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I recently applied for a Business Credit Card through American Express and was denied based on a XXXX  score. Congress does not define the term " XXXX  Score '' in the Equal Credit Opportunity, so to deny me on something I can not lawfully define is absurd and is discrimination. I am a natural person and consumer and no one can deny me credit based on discrimination. Especially because I am the one who supplies the credit in the first place. I have tried to reach out to them via Certified Mail, which they received, but never responded. This is very unprofessional, especially from a institution that I have heard great things about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Credit card applied for affecting my credit report that was fraud. 
Card applied for : XXXX XXXX  Person 's name : XXXX Prom My name : XXXX XXXX XXXX of credit denial letter ; XX/XX/2021 I don't know who this person is, thankfully denied but is negatively affecting my credit score and am formally filing a complaint as requested by XXXX to submit to them. 

Please advise, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I did a XXXX transfer of money just like I've done for years and it still isn't in my Mountain America Credit Union account. It was on XX/XX/XXXX for {$590.00}, I even paid a {$9.00} fee to make it an instant transfer to pay my mortgage, and now have an over draft charge and this will lead to more overdraft charges for my auto pays if its not there very soon. I spent hours on the phone with XXXX, and they say it went just like it always has with no issues on their side. XXXX suggested I call Mountain America Credit Union, so I did, and spent hours with them saying they can't find my {$590.00}. I have proof on the XXXX side that I receiced the money and it was transferred to my Mountain America. Neither institution admits to having my money. I don't know what to do to get my money in the bank to cover my obligations. 
Please help me! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: MI

Complaint narrative:
Please Remove all Fraudulent accounts and inquiries as i have no knowledge of any of these accounts they are being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation is over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: GA

Complaint narrative:
I was asked by Capital One to apply for a Credit Card, and have good credit with excellent paying history. 
they turned me down as said I had too many credit cards but they approved all of them. 
I was planning on getting one with good interest which I have earned, and transfer a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Source Receivables Management LLC
State: TN

Complaint narrative:
I was not aware at the time I took this credit card out that it had an annual fee. 
I used this card one time with a {XXXX charge then get statement showing the annual XXXX} fee plus my {$15.00} fee I called them told them I was cancelling the card an I would pay XXXX which I did but I refused to pay the outrageous annual charge an fees that are now up to XXXX  so now some other place has bought out their debt collection. 

I still refuse to pay these outrageous fees an charges they have applied, None of my other cards carry an annual fee this has been crazy to chg this much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. My right to privacy under HIPPA law as these collectors are questing my medical condition which is against the law. I have not heard back from XXXX. If they can not validate, please remove from my XXXX credit report. 
The following account is what I am questing : XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account 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 2022-02-14 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: TX

Complaint narrative:
On XXXX XXXX I asked for Experian 's method of verification on XXXX bankruptcies that they are reporting on my credit report. Experian responded on XXXX XXXX that the bankruptcies were verified thought XXXX a third party vendor and that the bankruptcies would remain on my credit report unless I had additional information ( Please see Experian 's response attached ). I reached out to XXXX and they stated that the bankruptcies were removed from their consumer report back in XX/XX/2021 due to a reinvestigation. So, this clearly proves that Experian did not verify these bankruptcies on multiply occasion nor on XX/XX/2021 which is a violation of my FCRA rights. Secondly, Experian asked me to send them additional information that would prove that these bankruptcies are being reported fraudulently on my credit report. I have attached the letter from XXXX as additional 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 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT

Complaint narrative:
Mortgage company : Community Loan Servicing 1. I had my mortgage with XXXX XXXX  since I bought the house in XXXX. I applied for the forbearance due to COVID related issues. I did not pay my mortgage for about 7 months in XXXX. I started paying for my mortgage in XX/XX/XXXX and I was in the process of applying for the mortgage modification. During the process my mortgage was moved to Community Loan Servicing. I've been paying for mortgage regularly and on time as I was in the " trial '' period. The amount I paid per month was $ XXXX. I completed my trail period and made my last payment on XX/XX/XXXX. I received a load modification documents telling me that going forward I have to pay {$2400.00}. That's not the amount I agreed to or was told to pay the last XXXX months. I have 10 days to sign the documents but I'm refusing to because ( once again, that's not the amount I applied for or was told I'm going have to pay ). I contacted them multiple times and I've been on hold for about XXXX minutes and no one picks up the phone. the contact information provided on the documents is wrong ( wrong phone number and wrong e-mail address ). 

2. The Community Loan Servicing also reported me to the credit burau and my credit score dropped XXXX points. I contacted them ( once again ) and they are telling me I missed a payment, but it is not true. I've been paying on time each month, and I have my bank statement to prove it. Unfortunately, I am also in a process of buy a new car so this impacted me significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I mailed a physical check through XXXX for my mortgage payment ( XXXX XXXX ) and it was stolen. The amount on the check was changed from {$1700.00} to {$4700.00} and the pay to name was altered to a different name ( XXXX XXXX ). 

After filing a police report ( # XXXX ) and a mail fraud report to XXXX, I also reported this to the Chase fraud department and went in to my local branch in person. I was told that I will not receive my money back until an investigation is complete and they receive the money back which could take XXXX or more days. This check was obviously fraudulent yet it was cashed anyways. Tellers at banks should receive training around how to identify fraud and not allow checks to be cashed. This is not my fault as the bank that cashed this check should have reported it at fraud. This is not fair that I have to wait XXXX days to receive my funds back when this was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
This morning on XX/XX/2022 I received three phone calls from XXXX which is XXXX customer service number at 10:27 AM and 10:28 AM. When I answered the third phone call I was told that there was fraudulent activity on my business account and that someone by the name of XXXX had registered a XXXX XXXX account under my Zelle. I was told that all of my banking transactions would be put on hold and that in order to reverse this process I would have to send {$5000.00} to myself with the account that was registered under XXXX to put the money back into my account. They had also sent text messages with codes that I needed to read them.I was skeptical and questioned this process and was told by the employee that they were indeed XXXX bank and they would never jeopardize their job. I did the transfer and was told that I would get an email. Two minutes go by and The phone hangs up abruptly. I called back the number and was connected to XXXX and was told that I had been scammed. XXXX did help me with filing a report with Zelle and told me that they were going to handle talking to XXXX XXXX. I do have screenshots of the phone number that they called me from and all of the text messages that the scammer sent me for the XXXX XXXX account and the Zelle account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited XXXX pay checks from the state controller XX/XX/22 and was told the checks would be placed on a 2 day hold then funds would be made available. I attempted to pay car note, which the bank returned, then the bank placed both checks back on hold, stating pending verification. I called with representative of the bank for 2 hrs and once verified, I was told 24 hrs. Then when I went into the branch I was told VERBALLY my account was CLOSED FOR FRAUD XX/XX/22 and once the checks were verified they would cut me a cashier for the funds held. So I called a XXXX time for 2hrs with bank rep, had XXXX checks verified and was told a Cashier Check would overnighted. As of today the only check that was sent was dated XX/XX/22 and mailed XX/XX/22 was the cash balance prior to the pay checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disputing the following items for more than a year now with Zero results from the three credit reporting bureaus expect for XXXX. XXXX has updated and conducted investigations which they have already updated. Unfortunately XXXX and TransUnion have fallen behind in even sending out any investigation results. 
I am listing the Inaccurately Reported Personal Information below needing to be immediately Removed & Deleted. 
TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing the following items for more than a year now with Zero results from the three credit reporting bureaus expect for Equifax. Equifax has updated and conducted investigations which they have already updated. Unfortunately XXXX and XXXX have fallen behind in even sending out any investigation results. 
I am listing the Inaccurately Reported Personal Information below needing to be immediately Removed & Deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. I have not heard back from Experian. If they can not validate, please remove from my Experian credit report. 
The following accounts are what I am questing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA incompetence lending practice and lack of integrity has stonewalled me, my family and my future from progressing. I've been imprisoned in a financial nightmare since USAA recruited me for my mortgage refinancing in 2015. There is no consistency in Loan Numbers and VA Case numbers on recorded documents. A month after the closing USAA underwriters sent me an email, with an attachment, asking me to resign the Original Note due to an error on their part. First, Not one Official representative or XXXX XXXX ever showed up or contacted me to set a date or time to witness the signing. Second, the original closing took place in my home and not at a bank which I thought was odd. 
The closing agent refused to provide me with any signed copies of the paperwork. 
As you can see by the documents I have provided. Again there is an inconsistent reporting on this refinancing initiated by USAA. XXXX XXXX  is just as confused as I am and they are unsure of how to help me. My question is this. Why is USAA reporting to XXXX XXXX  that in one year, there was a Deed in lieu of Foreclosure and in another there was not. In addition to reporting to credit reporting agencies that I stop making payments on a loan and went into foreclosure. I strongly believe there was no legitimate loan at all and that USAA stole my property and the equity it held. The foreclosure on my credit report is untrue and inaccurate. 
USAA is going to say in their response that the foreclosure process was ruled on and upheld in XXXX, Colorado courts. However, there has to be a conflict of interest when XXXX XXXX XXXX XXXX now use the property as a secured asset which backs a multi XXXX dollar loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

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

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

Company response to consumer: Closed with explanation