vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX {$18000.00} DEPTEDXXXX XXXX {$2200.00} DPTEDXXXX XXXX {$3000.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2100.00} DEPTEDXXXX XXXX {$1500.00}

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 2020-08-06 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX {$18000.00} DEPTEDXXXX XXXX {$2200.00} DPTEDXXXX XXXX {$3000.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} XXXXNELNET XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX  XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2100.00} DEPTEDXXXX  XXXX {$1500.00}

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 2020-08-06 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: TN

Complaint narrative:
i notice that a account that i never opened by me was listed on my credit report i need it to be removed because its not my account

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 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have had a carecredit.com card for pets for many years and had a XXXX balance due but they canceled and closed my card anyways. They told me because of my credit history in general. This is a horrible thing to do during a pandemic and may cost the life of my pet.

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 2020-08-06 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$810.00} XXXX ACCT XXXX {$190.00} XXXX XXXX XXXX {$33000.00}

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 2020-08-06 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:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$810.00} XXXX XXXX XXXX {$190.00} XXXX   XXXX XXXX {$33000.00}

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 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In XXXX I contacted CapitalOne to request assistance with payments due to hardship caused by covid19. Although I was told both card accounts would have their payments deferred and would not accrue interest or fees only one account was actually setup. In XXXX I paid off both accounts through a title company. 
The title company mail checks, received copies of the returned checks and was able to verify CapitalOne cashed the checks but capitalone never credited my accounts. In the end I had to file a complaint with CFPB. The original checks had to be canceled and new checks cut. After months both accounts had finally been resolved. 
Unfortunately today XX/XX/2020 I was notified that CapitalOne has closed both accounts. 
This will drastically impact my credit score and cause unrepairable damage to my credit profile. 

I have no history of late payments or anything that would put my credit worthiness in question. 
I have done nothing to violate my credit agreement with capitalone. 

I have reached out to numerous departments within CapitalOne but no one has been able to explain the closing of the accounts. 

I believe CapitalOne has vindictively closed my accounts to cause damage to my credit profile in retaliation for asking for assistance due to covid19 and filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$7000.00} XXXX XXXX   XXXX {$760.00} XXXX  XXXX XXXX {$160.00} XXXX XXXX {$370.00} XXXX XXXX  XXXX {$3100.00} DEPTEDXXXX   XXXX {$5500.00} DEPTEDXXXX   XXXX {$10000.00} DEPTEDXXXX   XXXX {$6200.00} DEPTEDXXXX   XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Back in XXXX, I messaged Chase regarding being matched to an offer of spending {$25000.00} and receiving 30,000 bonus points on my Chase XXXX XXXX XXXX card ( as long as I hit the spending before XX/XX/XXXX ). I received written confirmation at the time that this offer was attached to my account. I again messaged Chase on XX/XX/XXXX to confirm the offer, and again received a written confirmation ( see attached below ). 

Based on this information, I went ahead and spent more than {$25000.00} on the account. Today, XX/XX/XXXX, I was told that I was not in fact eligible for this promotion and that there was nothing I could do about it. 

I would not have spent {$25000.00} on this card had I not thought that I was enrolled for this offer ( which had been twice confirmed in writing to me ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
I have signed up for Freedom Mortgage 's " Eagle Eye '' program which is supposed to help lower interest rates as possible for existing customers. I've spent a lot of time on the phone attempting to talk to representatives, filed the requested form on their website but have never heard back. 

I simply need to know if this program is applicable to our situation or whether we should be looking for another mortgage company to refinance. I haven't had any problems paying our bill with Freedom and  would prefer to stick with them if possible. The lack of communication though is very frustrating!

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 2020-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a 24 months interest-free acct. with Home Depot. ( HD ). I  make a payment every month but the HD keeps charging a late fee. The checks arrive on time, however, the company charges me a late fee. This has been going on since XX/XX/XXXX. I have tried to resolve the problem on phone as well as by writing letters to no avail. This is a fraud : Home Depot issued no interest but is making up for the loss of interest by charging fraudulent late fees. As matter of fact, since opening the acct I have paid more in fee than I would have paid in interest.

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 2020-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
We received notice of a return of lease charge of {$420.00} in late XXXX after returning our XXXX XXXX. We held the lease from XX/XX/XXXX for 24 months and never missed a payment. The first bill was received sometime in late XXXX and I contacted GM Financial to inquire about why there was tax on the return charge, as the dealership we leased from, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, claimed there should not have been tax. I contacted them 3 times, by phone and over online message, over the following months to find out about the tax with no call back or explanation from GM Financial, and my most recent call on XX/XX/XXXX, a rep stated in their account that there was a discussion and the system shows no follow up was given to us regarding the question. On XX/XX/XXXX, wife Wife, a cosigner, received a derogatory mark notice on my XXXX which stated there was a charge off for the balance of {$420.00}. Our only record of notice was that first letter received in late XXXX, and no further contact from GM financial regarding the question on the {$30.00} tax added to the fee. I reached out on XX/XX/XXXX to GM financial and requested information on why there was a derogatory mark and why no one had contacted me prior. The first representative claimed she did not see any information on my account. I was then transferred to an " escalations '' team member, who claimed they did see a balance due and a previous request, but no follow up from their department. I was then transferred to a supervisor who informed that they did not see a derogatory mark, and believed we should have been contacted regarding the issue. When asked for records of my contact with them and any contact they have made with me, I was told I was require an attorney to subpoena to obtain that info. My intent was always to pay the fee, but to receive an answer on why there was sales tax on this fee. No one called back, no further communication was sent, and no additional letters demanding payment were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$7000.00} XXXX XXXX   XXXX {$760.00} XXXX  XXXX XXXX {$160.00} XXXX  XXXX {$370.00} XXXX XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$5500.00} DEPTEDXXXX   XXXX {$10000.00} DEPTEDXXXX   XXXX {$6200.00} DEPTEDXXXX   XXXX {$10000.00}

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 2020-08-06 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$7000.00} XXXX XXXX   XXXX {$760.00} XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX {$370.00} XXXX XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$5500.00} DEPTEDXXXX   XXXX {$10000.00} DEPTEDXXXX   XXXX {$6200.00} DEPTEDXXXX   XXXX {$10000.00}

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 2020-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I sent credit dispute letters to XXXX  and Transunion via certified mail as I saw that my credit report was reflecting inaccurate 30 day late payments ( 2 ) with XXXX XXXX XXXX for an auto loan that was already paid off. I submitted my proof of evidence ( copy of bank statements, emails and CA ID ) of payments, the account numbers, and all the pertinent information that would help the bureaus with their investigation. It has been 83 days as of today and I have yet to hear back from either Credit Bureau. I have been patient but this has gone on far too long. I have yet to hear from the bureaus, and when I tried to do dispute this online, I got an email from XXXX stating that the investigation would be completed in XXXX. I don't think its fair to extend the investigation another month, when I've already waited almost 3 months already just in trying to get a response from the bureaus. It is my understanding the under the FCRA, that the credit bureaus are obligated to respond within 30 days to ensure the correctness of the reported information. More importantly, if the disputed items are inaccurate or can not be verified that they are removed from the credit report as well.

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 2020-08-06 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX XXXXXXXX {$500.00} XXXX XXXX XXXX {$78.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX XXXXXXXX {$630.00} XXXX   XXXX {$500.00} XXXX XXXXXXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX  XXXX {$6400.00} XXXX XXXXXXXX XXXX XXXX   XXXX {$550.00}

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 2020-08-06 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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX   XXXX {$550.00}

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 2020-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am requesting that Capital One review my financial situation to see if I qualify for any workout option. I am having financial problems making my monthly payments because of financial difficulties due to pandemic. 

I have recently lost my job due to it closing down and I am taking significant pay cut due to the current devastating economy. I used almost all of my savings and it is getting more and more difficult to stay up to date on my rent payments and much more. I cant find a job at all due to Florida covid cases continually increasing and nobody is hiring or even close to what I was making to keep up with my mandatory living expenses for my family and I to survive. As a result of the outlay in expenses and the bleeding dry of my money, I am struggling to make my car payments. Kindly consider my current situation and consider my request for some type of help. I had every intention on making good on this loan as well as my previous loan with you guys, but at this time it does not look possible. 
When I received this loan I wasnt aware of pandemic I knew I had to get out my car or I will be owing a lot of money. I didnt take any of this into consideration at the time that I will be in this situation today. This current financial situation that will cause me to be default on our loan agreement. I dont want to lose my vehicle and will do anything I can to work with you to remedy the situation and find a solution that will benefit us both or my only option will be I will have to voluntarily surrender the vehicle. Please consider my situation and consider my request for help. 
Thank you for your assistance and cooperation. 
I XXXX XXXX state the information provided above to be true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One, XXXX & XXXX I am very angry! Capital One has lied to me! I settled the debt and paid in full. Before I paid the debt I asked would it be taken off my credit report completely ; they told me yes, and it still was not removed. I have paid my debt and want it removed from my credit report immediately! Because its not removed it is hindering me from obtaining any other credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian refuse to remove fraudulent accounts from profile even after I have disputed it several times and supplied a police 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