vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had a XXXX credit line with Discover Card. They suddenly lowered the credit line for no reason and no notice shortly after paying them off for no valid reason. This was mainly due to unethical issues with XXXX XXXX sending my ex husband a credit card making him think he was approved for a XXXX card he had recently applied for. Instead they sent him a card under my account as an authorized user but making it look like his own account. It was not time for issuance of new cards and neither I nor XXXX asked for this card. I have complained to the XXXX and they have completely mistrued the issue with replying to the XXXX about XXXX being a authorized user on my Discover Card which had nothing to do with the issue of the credit line decrease because of the authorized user card on my XXXX XXXX account. Either they are illiterate and are totally unable to read or interpret or they are just wasting time and not planning on correcting the issue which had nothing to do with increased spending on my part. Complaints have also been filed with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I purchased a purse from a lady and she never sent the bag only the tracking number and still hasnt been received by XXXX, I was scammed and I just want my money I did dispute the charges through my back but havent been refunded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30 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 have been a victim of identity theft. And have unauthorized INQUIRIES on 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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have contact the bureau monthly since XX/XX/2018 to present, to get them to investigate a public record on my credit report. I am a XXXX and share the same name with my father, I have asked them on a monthly basis to re-investigate their findings as my credit file may be mixed or merged due to a similar name.I have got the same " verified '' answer every month. I have contact the court system as well as XXXX XXXX and no one can or has provided me with documentation that shows that this account belongs to me instead of my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
This company changes {$5.00} to make a mortgage payment by phone or through their website. You flat you have to pay {$5.00} each time you want to make a payment, costing consumers unnecessarily if they want to pay their mortgage down early. This should be illegal. Ive had 3 or 4 mortgage companies over my life and have never been charged a fee to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: MS

Complaint narrative:
I had several small credit cards. Unfortunately in 2018 I got into a huge financial bind and had to decide which bills to keep paying on and which bills to let go. I chose to pay rent utilities etc. And had to stop paying on my credit cards. A lot of these companies sold my account to another company yet they plus the new purchaser still reports to the credit bureaus with both the original account and the Company that bought the account. I believe this is illegal as two accounts of the same account can not be reported twice yet they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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 have been a victim of identity theft. And have unauthorized INQUIRIES on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I opened the account through the promotion of earn {$300.00} with a new virtual wallet with performance select. However, I still have not received the {$300.00} promotion. So I contacted the PNC Bank on XX/XX/20 regarding this issue. The representative ( XXXX XXXX. ) told me I just need to wait 90 days before the promotion credited to my account. After 90 days, however, still no credit. I contacted PNC again but this time was told I was not qualified for the promotion. The two representatives gave me different information and kept me waited months for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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 have been a victim of identity theft. I have unauthorized INQUIRIES on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I need to change my escrow settings for new property taxes that I owe. It is 100 % impossible to get my loan servicer ( LoanCare ) to communicate with me. Their phone service has no ability to speak to a person whatsoever, it's entirely automated and very limited. I have sent several emails with no reply.

I did not choose to use LoanCare, my mortgage was sold to them without my permission. This complete lack of customer service is unacceptable.

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 2020-08-30 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 have been a victim of identity theft. I have unauthorized INQUIRIES on 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 2020-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Dear Sir or Madam : I was the Citibank credit card holder since XXXX. However, I experienced a really tough or very unprofessional customer service provided by the Citibank in XX/XX/XXXX. I asked the Citibank to close my account at XXXX XXXX  on XX/XX/XXXX, which was shown as RED font in my supporting document attached. I thought the Citibank had closed my account. However, the Citibank didn't do it until I found that the Citibank has been damaging my credit score on XX/XX/XXXX. Four months passed after I requested the Citibank to close my account. 

So I called the customer service to close my card twice between XXXX and XXXX on XX/XX/XXXX. My calls were picked up by two different customer representatives. One call lasted 10 minutes and the other call lasted less than three minutes. These two customer representatives talked to me and knew my call to close the account. However, they said they need to transfer my calls and hung it up. This is a really bad service. 

Then I used the online software and had the account closed, which was shown as RED font in the supporting document attached. 

I complain that the Citibank violated the contract that the issuer should close the account when a customer requests. The Citibank intended to force its customer to stay longer in the contract. This time it was four months after my request. I ask you our government to inspect the  behavior of Citibank. 

Thank you very much 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 2020-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I filed a complaint on XX/XX/XXXX against Santander Bank ID # XXXX, regarding XXXX 's XXXX XXXX. Santander Bank told another person named XXXX XXXX that the account belonged to her. 

XXXX 'XXXX  XXXX XXXX established a business checking account XX/XX/XXXX under XXXX XXXX with two signers on the account ; XXXX XXXX and XXXX XXXX. A branch of Santander Bank took it upon themselves to add a different XXXX XXXX to the account. Attached is a letter from Santander Bank admitting there error. I would like Santander Bank charged with violating the Banking Privacy Act.

By Santander Bank giving this information to another person without verifying with the account owners is a violation against Banking Privacy Act and because of this we need to establish a new  account. In order to establish a new account we must file a " Certificate of Organization for a LLC '' which will cost us {$120.00}, which I would like them to refund to XXXX 'XXXX  XXXX. Because if they had not caused this error we would not be in this situation. 

I have attached the letters and email from the first complaint along with the letter received from Santander Bank admitting to error. 


Sincerely 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 2020-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
The company 's name is Portfolio Recovery Associates, the name of the personnis XXXX XXXX, they called me on my cell phone on Sunday at XXXX hours with threats. This is unacceptable. I have no idea who these people are, this is a cell phone and I thought they were forbidden to call on Sundays and cell phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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 have a been a victim of identity theft and have unauthorized INQUIRIES on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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 have a been a victim of identity theft and have unauthorized INQUIRIES on 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 2020-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery associates has attempted for 7 years to get this debt paid. I owed this to XXXX XXXX credit and was opened in XXXX not XXXX and i cant get this cleared. i have made continuous complaints and still not taken off my credit. This is unlawful to attempt a debt that has exceeded its time limit to put on my credit report. Also fictitiously reported that it was opened in XXXX and was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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 have mailed 2 certified letter and 2 regular letters t have the incorrect information removed from my file to no avail. Please remove the incorrect information from my file at once.

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 2020-08-30 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: FL

Complaint narrative:
I have mailed 2 certified letter and 2 regular letters t have the incorrect information removed from my file to no avail. Please remove the incorrect information from my file at once.

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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX collection is reporting a collection on a balance of XXXX that is incorrect. First the account has been settled with XXXX XXXX XXXX XXXX XXXX and I have the letter that the account is closed and settled. It was a XXXX bill. XXXX  XXXX is still trying to collect on the same closed account and the balance is not only incorrect, but I called them 4 times in the last 30 days to try to get them to correct it as well as disputing with Experian. XXXX  XXXX continues to notify Experian the information is correct. Even after me providing the closed and settled account letter from XXXX. XXXX  has acknowledged the account is closed and settled. Even though XXXX  XXXX is taking their time resolving the collections on my credit report, the amount is incorrect. Even when I log into XXXX  XXXX web page it still tries to collect the wrong amount as well as the settlement offered is higher than than the actual balance owed. It took XXXX  a year to finally admit that I they have had my equipment returned and finally credited my account. I still owed a balance of {$370.00}. XXXX  XXXX is reporting I owe {$610.00} and offers a settlement of {$480.00}. This is the only collection I have against me and it is being unfairly and wrongfully being reported. XXXX XXXX contact is XXXX XXXX XXXX  XXXX, XXXX XXXX, MN XXXX. The reference number is XXXX. The account number associated with the XXXX  account is XXXX. XXXX  XXXX has caused me undue hard and unfair damage to my credit report after repeated attempts to have them resolve it.

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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is marketing a product on their website that is deceptively disguised as a credit freeze/unfreeze. Currently I have a credit freeze on with Experian. I went to their website and created an account to temporarily unfreeze in connection with a loan application. Once on their website, under the " Protection '' page, I encountered a heading that states : " Your Experian file is unlocked '' I take that to mean my credit freeze had been released. In actuality, that statement has no relation to my credit freeze, rather, Experian is using this statement ( " Your Experian file is unlocked '' ) to scare people into buying an Experian product called " XXXX ''. This is a deceptive practice, it should be stopped.

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 2020-08-30 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 have sent 2 certified letters and one regular postal letter indicating that there are errors in my credit report that have yet to be completed. It has been over 3 months with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently noticed a lot of charges on existing cards I've had, so I started to look into all of it. My place of business was broken into and everything was stolen. Including my big safe that held all of my families socials, birth certificates, and cards my husband and I had paid off. We did that so we didn't touch them. Long story short I've attached a reply from XXXX  XXXX when I asked to have the account validated as being mine. It Has some other names and address, which I've never lived in XXXX  ever. My point being how are they going to argue the fact and tell me they've sent bills to the address and the phone number proves to be mine. Are these companies able to put things on people 's credit without proving 100 % it's there's? Because my credit is suffering due to these " mistakes ''. It seems to me that they are aloud and able and do it. With a little investigation you can clearly see the name and address are nowhere near close to being mine. Nor have I ever lived in

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 2020-08-30 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: SC

Complaint narrative:
I recently noticed a lot of charges on existing cards I've had, so I started to look into all of it. My place of business was broken into and everything was stolen. Including my big safe that held all of my families socials, birth certificates, and cards my husband and I had paid off. We did that so we didn't touch them. Long story short I've attached a reply from XXXX  XXXX when I asked to have the account validated as being mine. It Has some other names and address, which I've never lived in Illinois ever. My point being how are they going to argue the fact and tell me they've sent bills to the address and the phone number proves to be mine. Are these companies able to put things on people 's credit without proving 100 % it's there's? Because my credit is suffering due to these " mistakes ''. It seems to me that they are aloud and able and do it. With a little investigation you can clearly see the name and address are nowhere near close to being mine. Nor have I ever lived in

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 2020-08-30 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 have sent 2 certified letters and one regular postal letter indicating that there are errors in my credit report that have yet to be completed. It has been over 3 months with no response.

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 2020-08-30 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: FL

Complaint narrative:
I have sent 2 certified letters and one regular postal letter indicating that there are errors in my credit report that have yet to be completed. It has been over 3 months with no response.

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