vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
As of XX/XX/20 my synchrony bank account for Rooms To Go credit limit was decreased by the company from {$1500.00} to {$580.00}. This action caused that my credit score decreased 36 points. I contacted the company and they said it was a decision based on a credit report they pulled to review accounts. 
All the accounts on my credit report are paid up to date, never late, never passed credit limit. I have the goal to improve my credits and action like this do not help. I am blamed of utilizing the credit, well during this situation is needed. I have been XXXX  from XXXX since XX/XX/XXXX creating additional expenses, plus the fact that all products increased do not help. I am reporting this discriminatory action that injured my credit and possibilities of improving. I even have the risk that other creditors lower or closed my accounts due to this action.

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 2020-07-31 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: NY

Complaint narrative:
I sent a letter to Experian on XX/XX/2020 regarding an inaccurate account on my credit report. They never replied. I sent a second letter on XX/XX/2020. Still no reply. It has been more than 60 days. They must fix or remove the account because it has been more than 60 days. Experian is in violation of 611 ( a ) of the fair credit reporting act. I sent my proof of identification with both letters so do not say its not 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 2020-07-31 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: CA

Complaint narrative:
I just got off the phone with a XXXX representative and she said that they are accurately reporting the payment history on my credit reports, but when I check on XXXX, Experian, and XXXX they all show incomplete payment history. They all show payment history from XX/XX/XXXX to XX/XX/XXXX even though some loans have been opened since XXXX. This is a huge mistake and it is hurting my ability to seek credit since it minimizes my actual length of 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 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A faked number response from a bank criminal was submitted to insult and injure. This particular person even used an old address where he and his line recorded accomplices did it before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} US DEPTED XXXX {$820.00} USDEPTED XXXX {$820.00}

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 2020-07-31 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} US DEPTED XXXX {$820.00} USDEPTED XXXX {$820.00}

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 2020-07-31 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: NC

Complaint narrative:
Equifax I have over 100 disputes in showing them that this information is incorrect. I pay for the monitoring service from them Dispute number XXXX still reporting the wrong name on my file. My credit file number is Please update an remove the name off my file my name is XXXX XXXX I have provided my drivers license and utility bills and they remove it off then aloow creditors to mix my file with someone elses whom is not me. They close the investigation and do not send me the results I faxed and mailed them the letters information them of this. I file a dispute daily only to have them close it out overnight. I pay for a service when I log into the dispute portal using my email address XXXX it pulls up someone else file an credit report which is really not a good thing for Equifax. This is my confirmation to my credit report when I log into the dashboard which is linked to me. 
Equifax Credit Report for XXXX XXXX XXXX As of : XX/XX/XXXX Available until : XX/XX/XXXX Confirmation # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I initiated a simple refinance with Citibank on XX/XX/20, after several delays on Citibank 's part they collected an application fee of nearly {$900.00} from me on XX/XX/20. 

My refinance is a very simple coventional loan, my wife and I have credit scores that average 800, an LTV of 41 %, and we provided Citibank current tax returns, W2s, paystubs, etc. We promptly provided Citibank everything they asked for. 

It has now been nearly FIVE months since I started my simple refi process with Citibank. Citibank refuses to provide me with any credible closing date and has continually lied about the progression of my application. As of today 's date ( XX/XX/20 ), my application is still " in process '' with no end in sight. Citibank has also blatantly ignored my simple requests to escalate the issue. 

I've had multiple friends start and complete their refinance applications with other lenders in 3-4 weeks time, all during the same period that Citibank has held my application hostage.

Neither my loan officer nor her manager have been very helpful, they only provide canned responses such " very soon '' and " only two more weeks. '' They've been feeding me those lines for months. 

Citibank 's conduct has to be criminal. How can Citibank be allowed to collect money from customers and then fail to provide a service nearly five months later, not to mention that customers held hostage by Citibank lose out on the opportunity to save money by refinancing with a credible lender. I genuinely think Citibank simply decided to pause all of their " in process '' applications to the detriment of their loyal customers. This has to be a form of predatory lending.

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My wife and I have applied for a Reverse mortgage on our home. One of the conditions of the lender ( HUD and FHA ) is that one must open all accounts if they are frozen. This is required for a loan. We have tried for three days ( XX/XX/XXXX-XX/XX/XXXX ) to have my wife 's credit file open with Equifax. There was no problem with the other agencies. It is impossible to get a human to talk with. You go through 10 minutes of prompts, answering questions, and the response is that an agent is unable to assist you at this time. I understand that due to this covid virus, they may be short of help. I contacted Representative XXXX XXXX office and asked for their help. They could not get a human to talk with. Many people, like us are looking for assistance, having to live on Social Security and a small pension. All we ask is for someone that is supposed to help us, do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: FL

Complaint narrative:
I need to access my credit report to review accuracy and correct incorrect information. 
Time is of the essence. 

XX/XX/2020 1. Attempted to obtain credit report through annualcreditreport.com Was not able to sign in. 
2. Reviewed credit report through XXXX. Was able to view. There were inaccuracies. Attempted to long into Equifax to correct. Not able to do so. 
I am able to log into lock and alert on Equifax website. When trying to log into MyEquifax to view credit report and start dispute I get following message. 
Please give us a call. We cant complete your request at this time. Please call the customer care team. XXXX. 

I call the customer care team. They are unable to verify my identity and offer no option to speak with live representative. Following the direction of the automated system I send a fax to XXXX containing a cover letter with my name, address, DOB, DL, and SSN and include a copy of my drivers license. I received confirmation Equifax received fax on XX/XX/2020 at XXXX XXXX. 

There is no follow up from Equifax. 

XX/XX/2020 I send a DM to Equifax via XXXX explaining situation and asking for help in reaching a live representative. They asked for screen shot of error message, what action I was attempting, and my email. I provided all requested information. 
They asked me to call XXXX. The very number I had issues with previously. 

XX/XX/2020 I followed up with a DM via XXXX. No response. 

XX/XX/2020 I followed up with DM via XXXX. Told to call XXXX. 
I attempted to call. Automated system with no option to speak to live representative. 

XX/XX/2020 I called XXXX. Was able to get to live representative. However he said he could only help with lock and unlock. He stated I would need to call XXXX. The very number I had already called twice before, submitting requested docs, without success. He connected me directly. After automated system finished I got a fast busy signal. 

XX/XX/2020 Received response to call XXXX yet again. I have already c alled three times. Never allowed to speak to live operator. I need access to my credit report. I need ability to correct inaccuracies. Time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-07-31 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: AL

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I try to transfer money fromPNC to XXXX investments and PNC refuses to let me transfer my money to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 WAS A VICTIM OF IDENTITY THEFT LAST YEAR AND THERE IS AN XXXX XXXX XXXX   ACCOUNT-XXXX THAT KEEPS GETTING SOLD TO DIFFERENT COLLECTION AGENCIES. THIS A VERY FRUSTRATING BECAUSE THE ACCOUNT IS NOT MINE AND WAS BECAUSE OF FRAUD BUT IT KEEPS BEING PASSED AROUND. I THOUGHT IT WAS AGAINST THE LAW FOR DEBT COLLECTORS TO  SELL DEBT ONCE ITS BEEN VERIFIED AS 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 2020-07-31 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: AL

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$19000.00}

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 2020-07-31 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: AL

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$19000.00}

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 2020-07-31 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: TX

Complaint narrative:
On XX/XX/XXXX I received a phone call and a text from Citibank inquiring as to whether I had recently attempted to charge {$930.00} for clothing. I had not. I spoke with a Citibank representative on the phone and explicitly stated that neither I nor my husband, who also has a card, had attempted to make this charge. The representative assured me that all was well and that the charge would not appear on my account. On the XXXX, I looked at my account online and saw that the {$930.00} charge was pending. It appeared that my existing account was closed and another account was being created. On XX/XX/XXXX I looked at the account online again and saw that the {$930.00} charge had been posted to my account. I had a credit balance because of a reimbursement for unused airline tickets, and the {$930.00} had been deducted from the credit balance. There was no indication that the charge was an illegitimate charge. I disputed the charge online and received a text from Citi stating that I would be receiving a new credit card. On XX/XX/XXXX I called Citibank and spoke with six different representatives. Even though I explained several times that the bank had identified the charge as illegitimate and presumably had denied it, I was unable to get the {$930.00} restored to my account. Representatives insisted that I had not been charged although clearly I had. A print-out of the online account status is attached. The last person I spoke with told me that an investigation was underway and that the credit card company had a process that they were following. I have received nothing in writing about this charge from Citi either online or by mail. I have requested that the account be closed and that the credit balance be refunded to 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 monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
XX/XX/20 Trying to open a brokerage acct. with XXXX but PNC has done something to disallow a link between the two.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Southwest Business Corporation
State: TN

Complaint narrative:
On XX/XX/2020 I closed a refinance transaction with XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX disbursed my payoff with an effective date of XX/XX/2020 to SWBC Mortgage. 

The payoff was sent via XXXX and delivered on XX/XX/2020 at XXXX XXXX. and signed for by XXXX. at the payoff department in XXXX, NJ ( XXXX, NJ ). The payoff department did not deposit the check from XXXX XXXX XXXX, XXXX and stamped it received on XX/XX/2020. SWBC then returned my payoff check to XXXX XXXX XXXX, XXXX with a letter stating that my check was not received until XX/XX/2020 for the full payoff and also included an updated Payoff Statement good through XX/XX/2020 for an additional {$400.00}. Multiple phone calls have been made by XXXX XXXX XXXX, XXXX to the customer service department and associates state that they will escalate it to upper management. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, has been told by three different associates that a payoff department manager would return her call and she has yet to receive a phone call. She also faxed copies of the XXXX label and confirmation of signature receipt as directed by customer service. The faxed cleared to SWBC and no action has been taken. I have now wired a full payoff to SWBC and am disappointed and frustrated that I have had to pay an additional {$400.00} due to the error of the payoff department. This constitutes predatory lending behavior and I have been advised to contact CFPB for this purpose.

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