vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX. I have been trying to get my Relia Card, and is not possible to contact them at ANY time of the week. Once of the papers that I received weeks ago in regards unemployment benefits had this websote. Is there any way that you can help me to get  new replacement? my email is XXXX. Feel free to contact me anytime. Thank yo

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 2020-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I do have a property in XXXX XXXX PA, that I am renovating, and I gave my son my Home Depot Credit card to make some purchase of materials for the renovation of the property which he did in the tune of {$2400.00} and change, but when XXXX  reported the transaction on my Credit score they used a code " THD/CBNA  '', that I did not recognize and did put in a fraud alert with XXXX, but I called the company Home Depot and XXXX  to rectify and cancel the fraud alert after I XXXX  the code and find out that it's a code that is used for Home Depot credit card, I am sending this complaint to debunk the fraud alert on yesterday, XX/XX/2020, thanks for your continues help and assisting render 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 2020-09-23 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
XXXX County Sheriff 's Police Report : XXXX XXXX I have never opened/used/authorized this account. I filed a police report with the XXXX County Sheriff 's office [ as instructed to do by XXXX   and XXXX ] disputing this off of my credit report. 

It was removed by XXXX and XXXX, showing $ XXXX/owed- closed- because of fraudulent activity. XXXX will not remove or close out the balance or reporting on my credit report- despite having the police report and a statement that this is FRAUD. 

I would like this to be removed as per the police investigation, this is fraudulent and the other credit bureaus have adjusted my report accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been working with XXXX since XX/XX/2020 to refinance my mortagage. 
My current mortage lender is Wells Fargo. 

I was supposed to close first week of XXXX but then was told by XXXX that I have to pay the unpaid principle balance of {$6000.00}. This is the amount from 2 months forbearance covering XXXX and XX/XX/2020. I have resumed payments since XX/XX/2020 and have been current since. Wells Fargo informed me that the unpaid balance will be in a non-interest bearing account and added to the end of the loan. Wells Fargo further explained that I can not pay the unpaid principal balance before we acquire an approval from XXXX XXXX. The request was made XXXX XXXX and since then I have been receiving contradictory information from Wells Fargo. At first when the request was submitted I was told, it will be 4 to 10 business days, then was told XXXX XXXX does not grant these requests and then was told we are still waiting on XXXX XXXX. I was also advised by XXXX XXXX that I have to pay the full mortgage first before I can pay the unpaid principle balance. I am trying to refinance so I can shave off {$300.00} per month in mortgage payments. This is much needed as my husband is without a job at the moment. I called XXXX XXXX asking them to confirm if it is true that I can not pay the unpaid principle amount, the customer representative from XXXX XXXX said this should have been explained by the mortgage lender Wells Fargo and that it is their responsbility to communicate with you. XXXX XXXX promised to get back to me but I have not heard back as of today. 

I fear Wells Fargo is in my way trying to refinance my mortgage. I am now having to pay another mortgage payment to them missing out on the {$300.00} in savings not to mention refinance application fee of {$500.00}. I have left Wells Fargo numerous messages and spoke to many customer representatives and manager from mortgage dept and home preservation and others. I still do not have a resolution or a solution. All I need is for Wells Fargo to provide me with the instructions needed to pay off the unpaid balance so I can refinance with the new mortgage lender. Otherwise I fear I am hostage unable to refinance. 

The terms of the agreement sent to me by Wells Fargo and on XXXX XXXX XXXX website is that the amount deffered can be paid at the time of refinance. I am trying to refinance and Wells Fargo is not abisding by the terms of the agreement.

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 2020-09-23 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I obtained a credit card with SunTrust Bank. I have had a relationship with this bank for over twenty years. I haven't used the card. I received a statement and noted on the statement that I would be charged an annual fee on the next statement. I don't pay fees on credit cards, so I reached out to the bank. I admit that I must have missed the annual fee in the initial disclosures. I requested that the card type be changed to type without an annual fee. I was told the only option is to close the card and apply for a new one. I explained that I am not asking for new credit or additional credit, only changing the type of the card. The representative said that is the only option. This seems like churning to me. There is no reason to close an account and open a new one, when I am only requesting a type of account without a few. I have changed bank account types to improve benefits without closing and opening accounts. I understand if I request additional credit, that there needs to be a hard inquiry on 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 2020-09-23 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: NY

Complaint narrative:
Hi there, During the past couple of months, I've have faced some difficulties with my payments clearing due to me losing my employment and facing the unprecedented times with waiting to receive payment ( s ) from my unemployment claim. I opened an account with Capital One in XXXX of XXXX to build credit and I believe there is an error with there system as my three payments were returned. Two of the payments done in the month of XXXX and XXXX were returned due to delays with receiving my unemployment, which typically would have been available to cover my payments. Capital One closed two separate accounts of mine due to, " not being consistent with the expectations for account usage and violates the Capital One Customer Agreement. '' The letter is labeled, " fraud '' ; I'm not okay with fraud being labeled on any of my accounts, even if they remain closed. I outreached and spoke to two managers yesterday XX/XX/XXXX in an effort to receive assistance and was advised that they couldn't override the automated system ( s ), which I find it very difficult to believe. In my opinion, I don't believe there is anything fraudulent about trying my best to make a payment and the payment not going through. I'm not okay with being an American attempting to establish credit in a society where if I want to be successful I must have established credit. I don't think that Capital One effectively communicated with me to allow me to understand the Customer Agreement. I should have been educated on what Capital One expectations are and it's very unclear as to what their expectations are if they aren't clearly defined such as three rejected payment ( s ) forfeits all cards. At minimal I deserve to be communicated with by a Capital One representative and I shouldn't be brushed off by some Artificial Intelligence software which can't make exceptions or understand that a pandemic is going on and I'm fighting to do my best each and every day. I have several other questions, I'd like to be asked should Capital One respond. This has all occurred over the past couple of weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: GA

Complaint narrative:
Im process of buying a house and got a notification that a new collection account from XXXX XXXX XXXX # XXXX has been placed on my account. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX and never had XXXX XXXX XXXX. It appears someone in the building compromised my identity. Please remove this 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 2020-09-23 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: NC

Complaint narrative:
I spoke to this company about my hardship due to Cov-19 that I had and they told me for my XXXX and XXXX payment I could do a deferment with them and if I need them to another because of the pandemic contact them back so I did do one for XXXX also. This was not suppose to effect me negative in any way. Now I am showing all late pays for XX/XX/2020 and XX/XX/2020 and now XX/XX/2020. They stated this should not hurt my credit now it has.

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 2020-09-23 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: NC

Complaint narrative:
I spoke to this company about my hardship due to Cov-19 that I had and they told me for my XXXX and XXXX payment I could do a deferment with them and if I need them to another because of the pandemic contact them back so I did do one for XXXX also. This was not suppose to effect me negative in any way. Now I am showing all late pays for XX/XX/2020 and XX/XX/2020 and now XX/XX/2020. They stated this should not hurt my credit now it has.

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 2020-09-23 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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
All three of my loans were reported as 30 days past due even though two of them are in school deferment and one of them I made two payments on prior to the due date. One payment was made over the  phone with a customer service agent and the other was made online according the latest invoice. Ive had issues before and the company was willing to assist by agreeing to remove the late payment from my report. However they were never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is currently reporting multiple inaccuracies on my credit report. 

I've notice that Equifax is reporting inquiries on my consumer credit report I do not recognize or has authorized. This is a violation of FCRA rules. 

1 ) XXXX XXXX XXXX ; inquiry date XX/XX/2020. I did not authorize this inquiry on my credit report. As a result ; reported as an accurate and needs to be removed immediately. 


2 ) XXXX card services, inquiry date XX/XX/2020. This inquiry is reporting illegally I did not authorize this. This is a violation of federal law inquiry must be removed immediately. 


3 ) XXXX XXXX XXXX XXXX, inquiry date XX/XX/2020, along with multiple inquiries on this date. I did not authorize this inquiry on my consumer credit report as a result this inquiry needs to be removed immediately. 

4 ) XXXX XXXX auto financing, inquiry date XX/XX/2020, along with multiple inquiries on this date.I did not authorize this inquiry on my credit profile. Inquiry is in violation of FCRA rules. As a result inquiry must be removed immediately. 

5 ) XXXX XXXX, inquiry date XX/XX/2020. Along with multiple inquiries on the date. I did not authorize this inquiry on my credit profile. As a result Equifax is in violation for reporting. Inquiry must be  immediately removed from a consumer credit report. 

6 ) XXXX XXXX XXXX  Dealer financing, inquiry date XX/XX/2020, along with multiple inquiries submitted on the states. I did not approve this inquiry on my consumer credit report. As a result Equifax is in violation for reporting this inquiry on my credit profile. inquiry must be deleted from my consumer credit report immediately. 

7 ) XXXX Auto finance, inquiry date XX/XX/2020. Along with multiple inquiries on this date. I did not authorize inquiry on my consumer credit report. As a result Equifax is in violation of FCRA rules and must immediately delete all inquiries mentioned from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: CA

Complaint narrative:
The investigation took more than 30 days. They refuse to respond to that. Th investigation by law can not take more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Barclay approved my application then send me my card. I used it place an order. Then during the order ship time, barclay put an restriction on the account and canceled my order without notification. I called more than 10 times and faxed them all the documents they asked for three times. Different representative give me different information. Someone said none of the documents has been received. Someone said the restrictions will be removed. Someone said partial documents received. None of them could give a single answer and most of are rude and not even know what they are talking about. I have the record to prove that. The application is approved on XX/XX/XXXX. Up to today XXXX, they still saying restrictions is on the way to remove and ask me to wait for 24 hours after 24 hours after 28 hours. I decided not to wait for the endless waiting time and rudeness service ever and ask them to close my account. They refuse to do so and ask me to call back again and again. Not able to close my account with barclay and would like it to be closed 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 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
starting XX/XX/XXXX this year I have been unable to access my Equifax information. 

This is the third complaint I filed with you See XXXX You have closed with " the company responded '' but all they have done is send a form letter - they have made no effort to resolve the problem. 

I have submitted my name address driver license and a W2 but all I get from them is another form letter to submit the same information. 

This is awful. 
Please get the company to resolve this and allow me to have a user id that can access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XXXX 14,2020, my LLBean MasterCard on Citi Bank was declined for a local hardware store purchase. I phoned the customer service on the back of my credit card and was told the card was declined because I had missed a payment. I replied that I never saw a statement. It turned out that, on XXXX XXXX, 2020, someone ( s ) had enrolled me in " paperless online billing '' using all my personal data -- likely including SS number, credit card number and 3-digit number on the back, etc. -- to bypass any alerts that the card company may have used to alert me to the illicit charges to my account. My actual credit card was not stolen and I had only used it in that period for local, trusted services. To enroll my account in on-line paperless billing, the thieves created a phony profile of me that included phony phone number, email address, passwords, etc., so that, although MC attempted to call me to verify these unusual charges, there was never any answer at the phony number listed on my profile. I have talked at length with Citi LLBeanMC customer service and security ops at Citi Mastercard and determined that the bulk of the nearly {$10000.00} in charges were for purchases through XXXX out of XXXX XXXX. There were other charges as well ( they opened a XXXX account, several charges to XXXX.XXXX, XXXX in Arizona, etc. ). There were a total of 31 illicit charges to my MasterCard account totalling {$9500.00}. Citi Mastercard has been very helpful in resolving these charges, but I am reporting this incident to make others aware that this sort of crime is taking place. It makes sense that credit card companies put in place more two-factor authentication measures than what seemed to exist in this instance.

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 2020-09-23 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: GA

Complaint narrative:
Im process of buying a house and got a notification that a new collection account from XXXX XXXX XXXX # XXXX has been placed on my account. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX and never had XXXX XXXX XXXX. It appears someone in the building compromised my identity. Please remove this 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