vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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: MD

Complaint narrative:
I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider XXXX because equifax told me to do so and they deleted one of them but the bureaus won't even after XXXX sent them letters but XXXX and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: NV

Complaint narrative:
I have been a customer with First Progress now for about a year, and have been making on time payments. However for the following dates : XX/XX/2021, XX/XX/2021 I have received late payments and have been charged a late payment fee. The problem is that these late payments were due to the fact that I was having immense trouble actually paying my bill. 

The First Progress platform makes it extremely difficult to pay your bill offering only 3 options, online bill pay, call in, and mailing in an actual payment physically. However I tried calling in to make my payment by phone and was told that their system would not let me submit a payment and I would have to use bill pay, which my bank account does not offer. So this limitation in payment options led to not being able to find a way to pay my bill on time. I eventually found a solution and had to settle with a company named XXXX to submit the payments to First Progress for me which is a major inconvenience, as I dont think its fair that I have to carry around two late payments because the company did not offer me a way to pay my bill on time. If I were to mail in the payment it would have been too late as well. 

I would like to remain a customer, I just would like this issue acknowledged as my credit report is very important to me, and I pay my bills on time. The company itself I have no issues with. They are friendly and its a good credit card. I just wanted to bring awareness to the payment limitations as it has caused probably others to become late on their payments as well. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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:
So recently I checked my profile ad I found out items that do not belong to my activity. I mean I do not know these items and I have never been connected with these accounts. So I am asking you to delete them from my credit report because they are killing my score and as a result I have financial issues now.

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 2021-05-03 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:
So recently I checked my profile ad I found out items that do not belong to my activity. I mean I do not know these items and I have never been connected with these accounts. So I am asking you to delete them from my credit report because they are killing my score and as a result I have financial issues now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: GA

Complaint narrative:
The creditor XXXX XXXX is reporting false information on my credit report. They are reporting a balance of {$16000.00}. However, my actual balance is {$13000.00}. The account is paid up to XX/XX/2021. However, company has last reported a payments made inXX/XX/XXXX. This is a violation of the Fair Credit Reporting Act. This inaccurate information needs to be updated immediately on my credit reports. I have attached a copy of my auto loan statement as proof that I have an account with this auto loan company.

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 2021-05-03 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 was going over my credit when I saw an account on there that was not mine! This is a huge error or fraud! I'm the only one allowed to use my credit and I haven't gave permission to anyone else. This account does not even have any connection or relationship to any account or transaction that i approved of using my credit!

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 2021-05-03 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 was going over my credit when I saw an account on there that was not mine! This is a huge error or fraud! I'm the only one allowed to use my credit and I haven't gave permission to anyone else. This account does not even have any connection or relationship to any account or transaction that i approved of using my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/XXXX I made a reservation for the XXXX XXXX in XXXX XXXX On XX/XX/XXXX I received an email from " XXXX XXXX XXXX '' ( XXXX  ) stating they could offer a better deal. I had to enter CC to see the deal. The deal was {$140.00} more and non refundable.. I did not accept the deal and left the site. The site immediately charged my card and sent me a confirmation. I called XXXX to state that I never confirmed nor authorized a purchase. Told by XXXX too bad it's non refundable. Immediately called Chase and the hotel ... I have disputed, sent faxes, messages etc. and Chase said that the merchant claims nonrefundable purchase.. I did not purchase anything. The XXXX XXXX XXXX XXXX for the XXXX  XXXX reached out to let me know that the hotel canceled the reservation and charged me nothing and charged XXXX nothing. I have been fighting the {$390.00} since XX/XX/XXXX and no one cares that this unauthorized charge for a reservation that doesn't exist is on my card. What is a senior citizen on a fixed income supposed to do when duped by a site and then her bank? We have excellent credit and have never had to file against something of this nature. XXXX is keeping money that that Chase paid them and Chase wants me to pay it back on the XXXX of this month. I have documentation of several correspondence with XXXX, Chase and XXXX XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I have overdraft protection yet my account was allowed to be overdrawn by XXXX after calling to dispute why my account was allowed to be over drawn by so much a credit that I didnt ask for was applied but no information as to why my account was allowed to be over drawn and now they have said theres nothing they can do. How does Over draft protection work?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
USbank closed my account but did not delete my information. It is unlawful. I need them to delete all my account information on my online banking. 

They closed both my checking and credit card account. The checking account information has been deleted, but the information of my credit card still remains on my online banking account. It has my name, address, phone number and all important informations. 

USbank does not provide any reason to close my account. That is fine, although this is stupid because I did not violate anything. But I have the right to require them to delete all my personal information online.

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 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone was suppose to handle the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Hello Santander Consumer department ; Listen, I'm a little concerned about how this account continues to report on my credit profile. There are so many inaccuracies, incompleteness, and misleading information. See the attachments! Why are there so many inconsistencies in the way it's reporting? How come? Each credit bureau is reporting a different amount owed - which i already paid off the accounts months ago! Each credit bureau is reporting different dates of last active, dates of last payment, dates of last verified, different comments on the account, inconsistent with payment history, etc. I paid off this account but XXXX  is showing that i still owed $ XXXX? How? Also, the date opened seemed questionable? Also, i'm missing a lot of payment history ... Look at it closely on the attachment ... Impossible that you verified this account from my previous disputes and yet it continues to report all these errors. Delete for inaccuracies! Even the account rating shows, closed, open, and paid! HOW???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, my credit was run in order to be approved to refinance my house, I was told that I had a 30 days late reported by Macy 's XXXX XXXX card, ( XXXX ). The charge in dispute is a {$23.00} made in XX/XX/XXXX. I did not made this purchase, I called Macy 's customer service, an operator by the name of XXXX answer the phone and promised me the following, order a new Macy XXXX XXXX XXXX Card, refund the {$23.00} back to my account and start an investigation that would result in removing the 30 days late from the bureaus. The first two promises were kept but the investigation, according to XXXX on a subsequent call made today, was not started. She mention that I hadn't file a complaint with their " Fraud Department '' myself. I was told by her that she was going to start all 3 process she promised. Finally I spoke to XXXX at the " Fraud Department '', who mentioned that there was an investigation on the way but not finished, I could take up to 3 months to finish. Until then they would report the Credit Bureaus, if the dispute was declare valid. I am being affected by this mistake and the time they take to resolve it. I am requesting your help on getting an answer from Macy 's. 


Thank you

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 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider Lexisnexis because XXXX  told me to do so and they deleted one of them but the bureaus won't even after Lexisnexis sent them letters but Lexisnexis and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On the morning of XX/XX/2020, I was contacted by one of Rocket Mortgage 's telemarketers. I had requested many times to be removed from their list, but the calls continued. I consider this a privacy violation. 

This telemarketer said he wanted to give me a free mortgage review. I told him I was not interested because I did not want any credit inquiries. He said it was a soft inquiry and would have very little impact. I agreed. Then he pulled both me and my husbands credit. I did not give permission for him to pull my husbands credit. I consider this identity fraud and a violation of privacy. 

Then he informed that since I have a home in deferral with another lender he would not be able to help me with a refinance until the payments on that home where caught up.???!!! Who said anything about refinance?!?!? This was supposed to me a mortgage review. He was trying to trick me into refinancing. Trickery is predatory lending. 

Finally, per the CARES act, a mortgage deferral can not affect my credit but in this case it prevented me from even having a mortgage review, let alone a refinance. 

Last week I began the refinance process with Rocket Mortgage. I told them I had XXXX XXXX  XXXX that is continued on a yearly basis so long as I'm living. The banker said this was not a problem. I used this same income when I originally took out the mortgage. I additionally told her I did not want my credit checked if I wasn't eligible to refinance. I went to great lengths to have a spotless credit report. Which it was. When she pulled my score it was over 800. 

Once I had uploaded all but one document, I asked a question about the cost of the loan. I had been told closing would only be {$6800.00} but they were adding $ XXXX to my loan principle. Then I asked them to put things on hold. This was on Thursday because I was going away for the weekend. 

Today, three days late, Monday morning, I find out they had cancelled my application and had to start all over. But this time they said my XXXX XXXX  XXXX income was no good and am no longer qualified to refinance. So I wasted a week of my time and got my credit pulled for nothing. 

That is the second time Rocket Mortgage pulled my credit in a predatory manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XX/XX/21 : Transunion subtracts 3 from an erroneous reporting that should have read {$0.00} ; account reads {$5.00} to {$12.00} balance XXXX both false, more on this later ) XX/XX/21 : Transunion subtracts 1 from an unspecified reason ; both occasions occurring after a formal dispute is filed and a subsequent complaint here regarding XXXX XXXX  XX/XX/21 : Transunion adds 12 to score. However this is a net 8 due to the previous actions. However another issue occurs with another erroneously reported account on collections that was literally paid in full the same day as the XXXX XXXX account XX/XX/21 : Transunion drops score 4 due to the balance going from {$12.00} to {$5.00}. Not only is this erroneous but this actually shows a positive act. This is the error mentioned for XX/XX/21 above. I literally am punished for an error, for a increase for said error and then a decrease in said error. Cant make this up if I tried. Thank XXXX for technology and screenshots XX/XX/21 : Transunion adds 4 to score. Im back where I started but not really because of the previous errors XX/XX/21 : Transunion drops my score by 15. Why? Because accounts actually were paid on timecredit utilization decreased and the same account were erroneously reported with {$7.00}, it is literally {$0.00} and has been for amount XXXX months. Transunion must have removed the add button in this reporting. A bank card also was not removed ; that actually is a paid in full XXXX that I purchased and paid well ahead of the due date. 

I always have reporting issues with Transunion. I have filed disputes with them and here to no avail with Transunion. XXXX and XXXX  are not perfect but both have corrected errors and adjusted scores properly. Transunion is the bureau consistently reporting errors and not adjust my score in good faith.

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 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I woke up on XX/XX/XXXX to two new inquiries on my TransunionXXXX  credit report, neither of which were initiated by me. One was from " XXXX '' and the other was from " XXXX '' on my XXXX XXXX credit monitoring ( interestingly, the second one showed up as XXXX XXXX XXXX XXXX on my XXXX  credit monitoring. ) I received a phone call from XXXX XXXX XXXX XXXX later that morning with a voicemail claiming to be XXXX XXXX checking in to verify the application, and asking me to call them back at that number. I called XXXX XXXX 's fraud number from their website instead, and learned that I did not have an open credit application with XXXX XXXX. Based on the link below, it seems like this may be a common scam to try to get me to reveal personal information on a phone call. 

https : XXXX I now have two hard inquiries on my account that are not valid, and it's been difficult to get them removed. I need a letter from the FTC noting that I did not initiate the hard inquiries, which I then need to mail or rail to the credit bureaus.

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 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi checking account on XX/XX/XXXX. The bonus term is to make a deposit of {$15000.00} for 3 months and I will get XXXX Citi Thank You points. I have contacted Citi customer service multiple times on XXXX, XXXX and XXXX and they have confirmed that I have fulfilled the terms for the bonus. They have confirmed that I should be getting my bonus at the latest on XX/XX/XXXX. But there is no bonus.

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 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I received an unsolicited " Debit '' card in the mail. 

The card is advertised as a debit card by XXXX, powered by XXXX. It's called a MoneyLion Debit MasterCard. 

I never requested this card. I've never even heard of this company. The information on the letter I received is all correct, including my full name and address. 

I was instructed to call : XXXX. I will not call this number as I don't want anything to do with this bank. 

Please investigate this company! I am certain this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: WI

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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:
Transunion illegally displays innacurrate employer on credit report. I do not work for XXXX XXXX, I work for 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