vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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: FL

Complaint narrative:
I called on the phone with all 3 Credit Bureaus also XXXX  I told XXXX  I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications XXXX be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess

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 2020-10-02 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: FL

Complaint narrative:
I called on the phone with all 3 Credit Bureaus also XXXX  I told XXXX  I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications May be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit 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 2020-10-02 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: NJ

Complaint narrative:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. Other information I would like changed CAPITAL ONE Account Number :  XXXX Please remove this inaccurate information from my credit report. 

2. XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit 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 2020-10-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/16. I had a credit building account with XXXX I decided to go ahead and prepay the credit building loan. {$2500.00} was sent to my government t prepaid card with Bank of America. For 3 months I been trying to get my account back but they have not been very cooperative.

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 2020-10-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.

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 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IA

Complaint narrative:
Recently XXXX XX/XX/XXXX ) I discovered ( as a result of trying to log into my account XXXX my Chime account had been suspended. When I inquired about the issue I was given a vague " unusual activity '' reason and said they needed to verify my identity. They asked me to provide a pic of my license and a 2nd form of ID ( I opted for passport ). THEN, they responded and asked me to also provide a picture of the back of the license and a clearer pic of the passport, which I did. THEN, they responded and asked me to provide a picture of me holding my passport, which I found highly unorthodox and very suspicious. I find it very strange that each time I provide the information that they request, that they request more. I've even provided a document with my address on it, which is one of the items listed as an acceptable 2nd form of ID. They still asked for a picture of me holding my passport! I called on XX/XX/XXXX and was told the issue was being escalated so I could get some more specific answers to why my account was suspended, but I have not heard back. I've sent a couple emails asking for the status of the escalation, but both times received the response telling me I need to send a picture of me holding my passport. I've asked them several times to provide some detail on why my account was suspended, but they have flat out refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. Other information I would like changed XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. BANK OF AMERICA 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 2020-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
I have been been paying more than the minimum amount on my HELOC account with TCF Bank and instead of the principal decreasing it has been increasing. I have tried to contact the bank through e-mail and phone with no success. I have asked for detailed statements on the account but they have failed to correspond. The Website account shows no information on my account or detailed statements and the same is true for the mailed statements. Recently the TCF has changed my account number to a new account number and also changed the Web site where the payments are made. 

XX/XX/2020 : Payment of {$1000.00} Confirmation # XXXX XX/XX/2020 : Payment of {$650.00} Confirmation # XXXX XX/XX/2020 : Payment of {$550.00} Confirmation # XXXX My balance in XX/XX/2020 was {$100000.00} My balance as of today is {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/2020 ; XXXX XXXX placed my primary residence and an investment property into a CARES ACT COVID-19 Deferral. This was done without my consent or my approval. They would not allow me to make payments while on deferment as I wanted to at least cover the escrow amounts. In XXXX ; I was asked a pivotal question, Did I want to pay back the past due amount or balloon the balance onto the 360th payment. As an investor I took the opportunity to balloon the payment to redirect funds into an investment. I began making payments as of XX/XX/2020 according the normal schedule. XXXX XXXX held their word that the account was never reported late or past due and has that the account is current. The problem is that the remarks and comments section mentions that account is actively in deferral. I can not secure credit from anyone because every lender believes that my mortgages are in an active deferral. XXXX XXXX has responded to my complaints that the lenders are not interpreting the credit report correctly. However, every lender is interpreting the credit report this way. I need this comment removed as I can not secure any credit despite having an XXXX credit score and actively making payments. 

Please note that I am not attaching any documentation because I fundamentally do not have any documentation to attach. I did not complete any forms for the deferral ; I did not receive anything saying I was not in deferral so I have nothing to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: NY

Complaint narrative:
THIS CAR LOAN WAS NEVER OPENED BY ME IN THE FIRST PLACE I ASK THEM TO JUST REMOVE THE LATE PAYMENT OR THE ACCOUNT AS A WHOLE I NEVER SIGNED FOR THE LOAN AND WANT THIS ACCOUNT REMOVE ASAP

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 2020-10-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent a dispute out to all three main credit bureaus and ask for validation of the debt of an account. They all came back as verified. I then contacted the Bankruptcy court and they informed me that they did and do not verify debt with bureaus. I am requesting that they send me the Method of verification of this debt. 

I am writing to request the method of verification for the dispute initiated between 30-60 days ago. 


Chapter XXXX Bankruptcy Case Number : XXXX Please send the following information used to verify the validity of CHAPTER XXXX BANKRUPTCY Case Number : XXXX 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I personally have an attached letter from the court stating that the did not verify the dept to Credit Bureaus. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
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 2020-10-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: AR

Complaint narrative:
My account has been closed for over a month now requesting that I upload my id and social security card. I uploaded the documents needed on the XXXX of XXXX And was told my account would be active to use in 48 hours. Then after 48 hours they said 5 days. After 5 days I uploaded the documents again because I havent been able to access my money for a month now and my power is shut off and I have a kid to feed this is ridiculous. Please help me I have called reliacard through us bank every day and the unemployment people said there's no reason why they are holding MY money. Its been a month!!!!!!!!!

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 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XX/XX/2020, a credit check was ran on my report for a refinance and I did not make a request. I called the manager and no response was provided nor a followup. 

I became unemployed in XX/XX/2020 due to covid. 

I requested assistance. No one called me. My loan was place in a forbearance on XX/XX/2020. 

I called to correct this, the agent XXXX white disregarded my request to fixed the dates. I was provided an incorrect email to make contact. 

In XX/XX/2020, I followed up with XXXX as she advised me someone was working on my request to fix the dates. 

In XX/XX/2020, I received a covid 19 grant from XXXX county in the amount of 5500 appx. 

I called to confirm the payment was received the payment was acknowledge by XXXX. 

In XX/XX/2020, I am review my payment history and it appears my payments are misapplied. 

I called to request clarification and I was advised my payments are up to date. I reviewed the payment history and it appears the payments are missing. 

Finally, I have not received a mailed correspondence since XX/XX/2020 the time frame when I raised the issue about XXXX XXXX 's customer service. 

I would like my records updated to remove the confusing and requesting my forbearance to start in XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2020 Midland funding LLC added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research this account was transferred/Sold and I am no longer responsible for this account. Midland Funding LLC did not verify this collection. Also there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say its mines. According to FCRA Midland Funding LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XXXX I opened a complain on this site ( Complain # XXXX - report is attached ) because KIA was charging me late fees when I had applied and been approved in a monthly basis for referred payments until XXXX due to the COVID pandemic. By XX/XX/2020 Kia finally responded that they were waiving any late fee I was being charged and apologized for all the inconvenience.

Today I learned that KIA had reported to the Credit Bureau that my account was late for 30 days, impacting negatively to my credit history. 

I am very much mortified for all the inconvenience and headaches KIA Financial has put me through. I had a credit score was outstanding and now it has decreased significantly decreased because of this situation. 

Kia had taken almost TWO months to take care of the prior related issue and it was not even do it right. They have handle this situation very poorly. 

Now I have to waste time, resources again, to have this issue fix. This is not ok. 

I am enclosing the report that was filed and recently closed related to this current issue.

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 2020-10-02 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: SC

Complaint narrative:
I, XXXX XXXX XXXX, sent Equifax all 4 parts of section 605B of the FCR, the identity theft laws of the USA telling CRA 's how they are required by this law to react to ID theft claims by the consumer. Equifax takes a very simple law, with very specific details on how they are to remove fraud items from the file of the consumer who provides 4 specific items to invoke the removal of fraud items in the credit file of the consumer. Equifax claims their policy can rewrite the law, and they can demand additional items, and allow more time than the 4 business days the law allows. These additional and unlawful extensions of time, simply harm the consumer, by keeping illegal accounts on the consumer 's file longer than legally allowed. Equifax breaks the law, and they also block the consumer the right to appeal the wrongful policies by never transferring the consumer to a supervisor. Over 6 1/2 hours on the phone, documented, and never connected to a supervisor. That is in one day, XX/XX/2020. I am tired of credit bureaus writing their own addendums to section 605B FCRA, and no one holding them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent a dispute out to all three main credit bureaus and ask for validation of the debt of an account. They all came back as verified. I then contacted the Bankruptcy court and they informed me that they did and do not verify debt with bureaus. I am requesting that they send me the Method of verification of this debt. 

I am writing to request the method of verification for the dispute initiated between 30-60 days ago. 


Chapter XXXX Bankruptcy Case Number : XXXX Please send the following information used to verify the validity of CHAPTER XXXX BANKRUPTCY Case Number : XXXX 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I personally have an attached letter from the court stating that the did not verify the dept to Credit Bureaus. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
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