vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
484. Completed prompts in automated system to speak to service agent. System stated that Citi is experiencing a high call volume and I would have to call back later. The system then hung up on me. I attempted to call 3 or 4 times with the same experience. I then called Citi application/sales number XXXX. I was connected to a sales agent with ZERO delay. I asked the sales agent to be transferred to customer service because the automated system was BLOCKING callers from reaching the company. The sales agent was able to connect me to a service agent within 60 seconds. Unfortunately, that call was dropped after a min or two. I called the sales number back again to reach service. Again, no delay getting a sales agent. Asked to speak to service, this time, zero delay getting a service agent on the phone. My phone call concern appeared to be resolved. I am reporting this incident because it appear CITI is INTENTIONALLY making it difficult to call their service line during a time of crisis. This company is INTENTIONALLY making it difficult for customers to make receive any customer support and will likely result in many many less persistent customers getting additional fees that will directly benefit Citi as a result of Citi pretending to be unable to answer any customer service calls.

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 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I opened an account with XXXX after moving to a new address. At installation I was told that I had 60 days to cancel service if not satisfied. After receiving my first bill, I was charged for a premier package that I did not authorize and charged installation, and various other charges such as pay per view movies at XXXX each. I called XXXX IMMEDIATELY regarding these charges and was told that someone called in and made these changes which was not me or anyone in my household as nobody was home during the times they stated. I told them I was cancelling and they told me no problem they would zero out the {$620.00} bill. Well to no surprise after reading other peoples comments on XXXX XXXX page they did not do as they said. Seems to be quite an issue of them overcharging and saying oh well well send you to collections. I disputed the collection account with XXXX  which they did find fraudulent and was removed. XXXX  said the consumer disputed my dispute and was not removed and I just submitted the dispute to XXXX. I need to have this removed from my credit IMMEDIATELY before I have to involve an attorney for the company fraudulently using my social security number to try and overcharge me for something I did not consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a dispute with Experian regarding an account that is not mine and it has been more than 60 days and not response what so ever. Experian disregarded the law by not responding to consumers disputes.

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 2020-04-04 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: NV

Complaint narrative:
There are currently 3 accounts showing on my credit report that I have never opened. I am a victim of id thief I have a police and a ftc report on file with these companies yet they are still reporting inaccurate data about me

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 2020-04-04 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I recently sent a letter to NC State Employees Credit Union, to tell them that I was a casualty of data fraud and I additionally join a police report and a FTC report to my letter that I sent to NC State Employees Credit Union. In their reaction letter they sent me back NCSECU said that after cautious survey of this contest we can't examine this case at the time as the credit association has confirmed that your letter has started from a credit fix however I'm the person who really sent the letter to this organization and nobody else or some other  organization got me out and the letter I sent them wasn't drafted on a structure provided by a credit fix association.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: NV

Complaint narrative:
There are currently 3 accounts showing on my credit report that I have never opened. I am a victim of id thief I have a police and a ftc report on file with these companies yet they are still reporting inaccurate data about me

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 2020-04-04 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: NV

Complaint narrative:
There are currently 3 accounts showing on my credit report that I have never opened. I am a victim of id thief I have a police and a ftc report on file with these companies yet they are still reporting inaccurate data about me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My mortgage is currently serviced by XXXX XXXX XXXX. The loan was previously modified by XXXX XXXX XXXX. Since the loan servicing was transferred from XXXX to XXXX, they have refused to report the debt to the three credit bureaus ( Equifax, XXXX  and XXXX XXXX ). The lack of proper credit reporting has caused my credit score to drop significantly. Per the FCRA 15 USC 1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all debt ownership information, accounting and payment history be disclosed since the loan modification was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My mortgage is currently serviced by XXXX XXXX XXXX. The loan was previously modified by XXXX XXXX XXXX. Since the loan servicing was transferred from XXXX to XXXX, they have refused to report the debt to the three credit bureaus ( XXXX, Experian and XXXX XXXX ). The lack of proper credit reporting has caused my credit score to drop significantly. Per the FCRA 15 USC 1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all debt ownership information, accounting and payment history be disclosed since the loan modification was completed.

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 2020-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX  are reporting Delinquent, in collections, late, and Derogatory statements on my credit bureau report. I have called the Department of education several times and have been told that they have provided the credit bureaus information to remove this wrong information since XXXX. My student loans are not in default or late. On XXXX XXXX I spoke to XXXX a supervisor at Department of education and was told they are not reporting anything negative to the credit bureaus. On XX/XX/XXXX I called XXXX spoke to supervisor XXXX and explained to her that I also needed them to send me an letter stating I am not in default, and they are no longer servicing my loans. I was told that the letter would be emailed to me, she verified my email address, and of XXXX XXXX I still have nothing from XXXX. I was told by Nel-net that they have not reporting anything to the credit bureau since XX/XX/XXXX. I am attaching the letter that I received from the Department of education

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 2020-04-04 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:
I submitted a dispute to TRANSUNION regarding accounts that is not mine and it has been more than 60 days and no response from them. TransUnion disregarded the law by not responding to consumers disputes.

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 2020-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had an auto loan with XXXX XXXX I have a record of 99 % ; paid on time .for XXXX  years A late payment is reflected on credit bureaus I have copy of the check sent on time by XXXX XXXX XXXX I have a letter from XXXX XXXX  stating the account was paid in full no late payment. I need XXXX auto loan to correct the information of a late payment I was never late I demand from XXXX XXXX to report to all credit bureau this correction as soon as possible is affecting my credit report potentially negative

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 2020-04-04 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: FL

Complaint narrative:
I had an auto loan with XXXX XXXX I have a record of 99 % ; paid on time .for 5  years A late payment is reflected on credit bureaus I have copy of the check sent on time by XXXX XXXX XXXX I have a letter from XXXX XXXX  stating the account was paid in full no late payment. I need XXXX auto loan to correct the information of a late payment I was never late I demand from XXXX XXXX to report to all credit bureau this correction as soon as possible is affecting my credit report potentially negative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: FL

Complaint narrative:
I had an auto loan with XXXX XXXX I have a record of 99 % ; paid on time .for 5  years A late payment is reflected on credit bureaus I have copy of the check sent on time by XXXX XXXX . I have a letter from XXXX XXXX stating the account was paid in full no late payment. I need XXXX auto loan to correct the information of a late payment I was never late I demand from XXXX XXXX to report to all credit bureau this correction as soon as possible is affecting my credit report potentially negative

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 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: U.S. BANCORP
State: IL

Complaint narrative:
In XX/XX/XXXX, I received convenience checks to draw on my US Bank Visa card. They were offering good terms, 3.99 % fee, 0 % interest until XX/XX/XXXX. I called the bank to verify that the checks were valid, and to check my credit limit. ( {$32000.00} dollars according to the bank ) They assured me the checks were good to go. Over the next 1-2 weeks, I wrote three checks, # 1- {$15000.00} # 2- {$12000.00} # 3- {$6000.00} dollars. I was subsequently informed that US Bank denied payment on all three checks. This has caused me to incur returned check and overdraft fees, and to spend hours on the telephone with representatives from US Bank. They are non-apologetic and refuse to help with the fees, even though they admit that it was their mistake. I am asking that US Bank refund all my extra incurred fees, and that you fine them for their poor business practices and lack of consumer protections.

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 2020-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Approaching end of lease and had scheduled a pre-inspection as detailed in the lease agreement for XX/XX/20. AutoVIN, provider of inspections for Chase Auto Finance ( XXXX XXXX XXXX ) cancelled all inspections nationwide as of XX/XX/20 with no info on when inspections would continue. Contacted Chase to see how this can be resolved. Per Chase, " At the time of your pre-inspection, you'll receive a link to an online condition report that will be available to view within about 24 hours. This will provide an estimate of the cost of repairing all excess wear and use items present on the vehicle. This information will help you decide if it's in your best interest to repair any of the items before returning your vehicle. You have the option to make repairs before turning in your vehicle. If you choose to make repairs, keep your receipts and contact us before returning your vehicle. We'll verify the repairs and apply any credits to your final lease-end bill. All repairs must be completed by a licensed repair facility. '' Because they are unable to provide the pre-inspection detailed in the lease agreement, I am unable to perform repairs I may deem necessary. I spoke with a supervisor around XXXX XXXX  MST and he provided no resolutions. He then started arguing that the pre-inspection is done before leasing the vehicle and the final inspection is after turn in. I directed him to the Chase website and read word for word what the site says regarding pre-inspections and he stated, " I do this everyday, believe me, the pre-inspection is before you lease the vehicle. '' At this time, I won't have enough time to perform repairs that may be necessary based on the pre-inspection that was part of the lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Contacted on XX/XX/20 - Saturday XXXX. No voicemail left on phone. Collector then called grandmother and mothers phone and would give no details other than was Transworld.

I called back and was told medical debt owed to XXXX for unknown amount. Person asked for my dob and I hung up. 

I am a XXXX student- XXXX years old, financially dependent on my parents as well as on their medical insurance plan for billing purposes. This is a scam as my mother called back and they did not say a word to her. She asked if anything has been mailed about a debt- no comment. 

Phone number that called me was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Someone open account XXXX XXXX  my information company report to 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 2020-04-04 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-04-04 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank called once an hour than twice within 15 minutes on XX/XX/2020. 
XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04 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: ONEMAIN FINANCE CORPORATION
State: NJ

Complaint narrative:
I receive your response to my previous claim against your company. See Attachtment documents, 2 other banks and XXXX  made a full investigation about my claims against their company and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report.

Company response to consumer: Closed with explanation