vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: TX

Complaint narrative:
XX/XX/XXXX, XXXX XXXX, XXXX. I had applied to XXXX ( has always discriminate denying me without reasons ), XXXX, renewing XXXX, and XXXX. I have updated their background check companies they used that are DISCRIMINATING against me denying me employment, not accepting my certify documents and copied documents that their error are going back to an old issue that wasnt an issue in XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX until my XXXX XXXX on XX/XX/XXXX was XXXX on XX/XX/XXXX. I have attached the documents and I keep getting an unfair rejection and the background checking companies stated that it is up to their third party. Unfortunately, this third party controls all corporates and businesses in my county. I applied for employment with XXXX, I was denied and listed as not eligible for rehire with no reasons. Something with the XXXX XXXX  background check companies. This is DISCRIMINATION as I was a XXXX XXXX  Victim in XXXX, was a Victim of XXXX XXXX in XX/XX/XXXX, Victim of XXXX XXXX  on XX/XX/XXXX, and now this. These companies need to be looked into. This is Depriving me of my Rights, Violating my 1st Amendment, and Civil Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$2200.00} XXXX/XXXX XXXX {$410.00} XXXX/XXXX   XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$2200.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$420.00}

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 2020-05-06 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: NY

Complaint narrative:
I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: NY

Complaint narrative:
I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2020-05-06 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 VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN CALING AND WRITING TO THE BUREAUS AND TO XXXX  XXXX XXXX DIRECTLY. THE ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES ARE FRAUDULENT AND NOW THE ACCOUNT HAS A XXXX BALANCE AND ITS CLOSED, BUT NEVER THE LESS IS A FRAUDULENT ACCOUNT AND IT IS NOT MINE, I HAVE NEVER SEEN THE COLOR OF THAT CARD. WHAT IS THE POINT OF HAVING FEDERAL TRADE COMMSSION OR EVEN THIS ORGANIZATION IF NO ONE EVER CARES WHAT CONSUMERS TELL THEM OR WHAT THEY SAY. THIS XXXX  XXXX XXXX IS NOT MINE, I HAVE NEVER OPENED THE CARD, I HAVE NEVER MADE ANY PAYMENTS, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORTS.

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 2020-05-06 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN CALING AND WRITING TO THE BUREAUS AND TO XXXX  XXXX XXXX DIRECTLY. THE ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES ARE FRAUDULENT AND NOW THE ACCOUNT HAS A XXXX BALANCE AND ITS CLOSED, BUT NEVER THE LESS IS A FRAUDULENT ACCOUNT AND IT IS NOT MINE, I HAVE NEVER SEEN THE COLOR OF THAT CARD. WHAT IS THE POINT OF HAVING FEDERAL TRADE COMMSSION OR EVEN THIS ORGANIZATION IF NO ONE EVER CARES WHAT CONSUMERS TELL THEM OR WHAT THEY SAY. THIS XXXX  XXXX XXXX IS NOT MINE, I HAVE NEVER OPENED THE CARD, I HAVE NEVER MADE ANY PAYMENTS, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORTS.

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good afternoon, I have an AAdvantage credit card, a MasterCard, with Citi Cards. 
I was recently given an increase to {$11000.00} as my credit limit. My previous limit was {$7500.00}. An increase of my credit limit by {$3500.00}. 
On my last statement, I was charged a {$40.00} late fee. I have contacted the customer service line at Citi ( XXXX XXXX XXXX XXXX ) to contest this fee. Citi will not take the charge off despite being a good customer and having been given an increase in my credit limit. 
In XXXX, I made the XXXX payment - my minimum obligation to Citi - of {$220.00}. My check was dated XXXX and was received by Citi and credited to my account on XX/XX/XXXX. ( I live in XXXX and mail delivery is fast here. ) I made another payment to Citi on XX/XX/XXXX at the Citi banking machine ; it was received the same day, XX/XX/XXXX for {$220.00}. This extra XXXX payment was intended for XXXX - made early - because of my concerns about Covid 19 pandemic and getting my XXXX payment in. 
I was told that the second payment in XXXX was credited back to XXXX ; they could not credit that payment of {$220.00} for XXXX. 
I am still employed and working. That said, I made a payment on XX/XX/XXXX for {$220.00}. I mailed the payment on XX/XX/XXXX. Citi claims they received the payment on XX/XX/XXXX and sent an email thanking me for that payment. They also charged me the {$40.00} late fee. 
I think that {$40.00} is a lot for a late fee given that I had made a XXXX payment for XXXX. Also, even if Citi can't credit a XXXX payment to XXXX ( especially in these times ) then my XX/XX/XXXX payment should be credited on time. 
I do not understand why my payments to Citi have always been credited quickly and now it's taken Citi almost 15 days to credit my payment to my account. 
I explained to the Citi customer representative that I have been making payments ( 3 payments to Citi in XXXX and XXXX ) but that because Citi is working with a smaller crew, my payment was credited late. 
I sent my payment in ample time but believe that in-house delays at Citi ( smaller staff, working from home, etc. ) has caused the delay. This is not my fault that they credited the payment late. 
I would like my account to be credited the {$40.00} late fee because the delay was not my fault. 
Thank you. 
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 monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Orion Portfolio Services, LLC
State: FL

Complaint narrative:
On XX/XX/2020 at approximately XXXX hours I attempted to contact Orion Portfolio Services LLC, Compliance XXXX about account No. : XXXX______________________________________ I spoke with representative XXXX. When asking her what is the contact email for their company she stated " we do not have an email for a specific person. I'm stating that they are only have a general email. '' When asking if she had internal emails her response was " No sir ''. ______________________________________________ When asking her if her department has a compliance department she said yes and identified the person. When asking the representative what was the compliance officers contact information her response was " I'm sorry sir I can't give out that information, I apologize.__________________________________________________________________________________When asking the representative why would she not be able to give out the compliance officers number her response was " Because she only have an internal number. '' When asking the representative if the compliance officer had an outside email her response was " no she does not. " ________________________________________________________________________________________However attached to this complaint is the complete contact information for the compliance officer that is public record. _____________________________________________________________________________________________If possible, if the agency can explain why did their representative lie about information that easily found and is public record, through a XXXX search?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I CAN LOG INTO ACCOUNT OR THE ACCOUNT HAS NO INFORMATION LISTED

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 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion has updated the balance when the company has sent a letter directly to delete the account. The collection agency agreed to a pay and delete. Although I have no knowledge of this debt, I chose to settle to prevent further collection activities and harassment. The account was paid in full with a balance of XXXX. The current status shows Transunion changed the amount from {$100.00} to {$78.00} instead of deleting/removing from the credit report. Upon reviewing daily updates provided by XXXX, your updates are inaccurate and incorrect.

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 2020-05-06 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: NC

Complaint narrative:
For approximately two years my credit score has been tampered with false score reported by the three bureaus. Score drops as high as 18 points were attributed to auto loan paid on time. I have not been late with any car note payments in 17months. There are two fraudulent claims on my credit, which I have disputed several times individually with the bureaus. In addition I've reached out to the company who placed the claim on my credit, they refused to discuss the details of the charges, they refused to provide a solution. Nothing ever came of the disputes and the same two fraudulent claims were placed on my credit every few months and listed as new debt, causing my score to plummet even more. my current score is not reflective of my credit history. Speaking with the bureaus have yielded no solution and my credit score remains under attack. on one occasion a incorrect account was placed on my credit causing it to decrease by 59 points but when it was resolved my score remained effected negatively.

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 2020-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
For approximately two years my credit score has been tampered with false score reported by the three bureaus. Score drops as high as 18 points were attributed to auto loan paid on time. I have not been late with any car note payments in 17months. There are two fraudulent claims on my credit, which I have disputed several times individually with the bureaus. In addition I've reached out to the company who placed the claim on my credit, they refused to discuss the details of the charges, they refused to provide a solution. Nothing ever came of the disputes and the same two fraudulent claims were placed on my credit every few months and listed as new debt, causing my score to plummet even more. my current score is not reflective of my credit history. Speaking with the bureaus have yielded no solution and my credit score remains under attack. on one occasion a incorrect account was placed on my credit causing it to decrease by 59 points but when it was resolved my score remained effected negatively.

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 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Attempted to open checking account with TD Bank on XX/XX/20. On XX/XX/20 I was told that they could not verify my identity, and that they were closing my account. I requested my {$25.00} opening deposit be returned to my XXXX checking account. 

On XX/XX/20 I received a statement from TD showing that they are charging me a XXXX XXXX  monthly maintenance fee for the account that they said was closed in XXXX. 

I tried to contact TD about this without success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I took out a loan with Santander Consumer USA XXXX to buy a XXXX XXXX in XX/XX/2009. I got the loan with a rate of 29 % and they charged me 10 points upfront. 
I struggled every year to pay the car note paying more than 3.5 times what I paid for the car. I almost lost everything trying to make that car payment. 
I have been late almost half the time I had this loan. I have had the loan for almost 10 years after 10 years Santander should have take the negative remarks off my credit report after 10 years. 
Santander what they did was the oldest payments they took off my credit report so they could keep showing my negatives for almost 20 years way past what is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: ID Analytics, Inc.
State: MD

Complaint narrative:
I contacted to sagestream to place a security freeze in place. I did this several weeks ago! Ive called them to verify but havent gotten any response like they state they soon the answering machine. I need to know if this has been taken care of or not. 

Furthermore I never gave this company permission to have or share my information to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: OH

Complaint narrative:
On Tuesday XX/XX/2020 I received 6 phone calls from my auto loan company, westlake financial, to collect on a {$200.00} balance. I made a partial payment of {$150.00} on XX/XX/2020. My payment is {$350.00} due on the XXXX each month. It's been my 3rd payment since getting the vehicle. All payments have been paid in full and on time. I need extra time due to a corona layoff, I asked for more time or if they had a program due to the outbreak. I returned a voice message and spoke to associate at XXXX and explained the situation. I was reminded about my contract and my obligation to pay. Moreover, I spoke with a supervisor who again reminded me of my signed contract to pay, during a pandemic, and told her the same thing I told 3 other associates. Even after that 16 minute phone call, I received two more phone calls. All I was asking for was more time, what I got was a harassment. This was deliberately done and there should be a punishment for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Lending Services LLC
State: GA

Complaint narrative:
This debt belongs to my ex husband. This debt was also included in his bankruptcy. I am in no way responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We have had our monthly payment of {$370.00} automatically withdrawn from our checking account since XXXX XXXX with no issues. On XX/XX/XXXX our credit union XXXX XXXX XXXX XXXX XXXX XXXX contacted me by phone stating Select Portfolio Services , Inc. was attempting to withdraw monthly payment from savings account. I asked XXXX  representative to if it could be paid. XXXX  representative noticed amount comes out of checking account monthly, we haven't made any adjustments with mortgage company. In XXXX Select Portfolio Services , Inc. attempted to withdraw monthly payment, and again they were attempting to withdraw from saving account. However, this time credit union could reach me, so they rejected payment. Upon speaking with credit union, they informed me Select Portfolio Services , Inc has all the right bank routing numbers and checking account number, but they are coding it on their end as savings account. My wife contacted Select Portfolio Services , Inc. in first part of XXXX and spoke with a representative. During her conversation, she gave representative bank routing number and checking account number, which representative verified were correct. My wife requested them resetting our password because we forgot our log in, representative did. My wife made a payment by phone. In XXXX I received notification from Experian Credit Bureau indicating I had an agency report a negative action, it was Select Portfolio Services , Inc. We received a letter from Select Portfolio Services , Inc. in late XXXX stating payment couldn't be made. I contacted Select Portfolio Services, Inc. on XX/XX/XXXX and spoke with a representative. I explained what happened, he informed me my banking information is coded as a savings account. I reviewed routing number and account number, which were correct, however they are checking account information. He explained the only way it could change to saving account is if we go online and change it. I explained we haven't been online, he stated someone logged onto our account on XXXX XXXX, XXXX at XXXX and changed information from checking to savings. I explained it wasn't my wife or I because we didn't know our log on information. I stopped auto pay through Select Portfolio Services , Inc. and have set up auto payment through our credit union. I requested to make missed payment, representative told me it would be a {$15.00} fee. I disagreed because error was done on their end, he told me I could mail a cashiers check or certified check. I asked to speak with supervisor, when supervisor got on line, she explained same. I asked to speak with her supervisor, and she agreed to wave fee this time. I inquired about credit reporting and she said nothing could be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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