vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint about XXXX  credit reporting agency. I recently submitted a dispute with them in regards to my XXXX  mastercard. It is marked on my credit report that I was more than 30 days late ( which is incorrect ). Today XX/XX/2020 I received a report with the investigation results. It shows my previous activity then shows the results after the dispute. ( They are the same ) yet it notes that there were some changes. Due to some work loss being laid off from work due to the corona virus I had lost some work. My company had closed. I immediately contacted XXXX XXXX and advised them if they can work something out with me as far as payments till I return to work. I was told I can participate in a 3 month program where my interest rate will be lowered and my payments would be lowered. I stressed over and over that I don't want this to be reported to the creditors as late I was assured it would not be as long as I made the monthly payment. I even made more than what I had to make. I am still be marked as 30 days late. Which in turn is affecting my credit score in a very negative way. I contacted XXXX XXXX  and told them the issue and was advised again that the 30 remark would be removed and corrected and was given an apology for the error. It was never removed. I was then told dispute it with XXXX  again. Well trying to submit a dispute online I can't do. There website keeps coming up with error message. I am upset that due to national disaster and loosing work affected my credit score like this.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint about XXXX credit reporting agency. I recently submitted a dispute with them in regards to my XXXX  mastercard. It is marked on my credit report that I was more than 30 days late ( which is incorrect ). Today XX/XX/2020 I received a report with the investigation results. It shows my previous activity then shows the results after the dispute. ( They are the same ) yet it notes that there were some changes. Due to some work loss being laid off from work due to the corona virus I had lost some work. My company had closed. I immediately contacted XXXX XXXX and advised them if they can work something out with me as far as payments till I return to work. I was told I can participate in a 3 month program where my interest rate will be lowered and my payments would be lowered. I stressed over and over that I don't want this to be reported to the creditors as late I was assured it would not be as long as I made the monthly payment. I even made more than what I had to make. I am still be marked as 30 days late. Which in turn is affecting my credit score in a very negative way. I contacted XXXX XXXX and told them the issue and was advised again that the 30 remark would be removed and corrected and was given an apology for the error. It was never removed. I was then told dispute it with XXXX  again. Well trying to submit a dispute online I can't do. There website keeps coming up with error message. I am upset that due to national disaster and loosing work affected my credit score like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2020,, Continued, Issues About These Matters,, Wells Fargo Still Have, 'nt Fixed Any Of My Issues At All,, Yes,, I Did Get ( 2 ) Response Dealing With A Week Ago On XXXX, XXXX And XX/XX/XXXX Both Of Letter Pretty Much Saying The Same Thing,, They Did Say In ( One ) of Letters About,, Unathorized Bank Account Settlement,,,, When I Did Call And Sent A Email To The Admistration About Issue It Redirect Me Back To The Company, Then Put On Hold For A While,, This Is So Unbusiness Like Conduct ,, I'm Very UnHappy With This Company,, When Is These Issue Going To Be Solved,, This Bank Have Not Paid A Dime Yet,,, What Is The Problem,, It Don't Take Long To Figure Whether They Where Wrong About Everything That They Did,, To Me And My Family,, Why Make Me And My Family Suffer So More About These Issues,, Old And New!!

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 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
still calling about the same issue I want my late payment refunded now I get a letter from a capital from this XXXX lady she XXXX  me a letter I have tried to call her back several times and I can't get a hold of her ever I have left several messages with her and she does not return my call I am going to keep fighting this until these get reunded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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:
These account are not mine which are listed in my attachments. I've been reaching out to the following companies. These things are completely affecting my scores.

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 2020-05-22 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:
These account are not mine which are listed in my attachments. I've been reaching out to the following companies. These things are completely affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Accts show that belong to me I have taken care of. Contacted companies directly and they was unable to locate mentioned accts listed under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: SC

Complaint narrative:
XX/XX/2020. Synchrony Bank closed all my XXXX cards with them, $ 100,000+ of available credit. This will absolutely destroy my credit rating. Searching online I see they are doing this to tens of thousands of customers. XXXX of my cards had XXXX balances. The others have always been paid well before the due date and always well above the minimums due. I called and they said I was " high risk ''. Funny because literally 2 weeks ago they raised my limits on XXXX of my cards by {$7500.00}! My credit score is XXXX. I've never had a missed or late payment. This bank can not be allowed to destroy tens of thousands of peoples lives.

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 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
acct listed as closed for fraud but thats not my social attached to file. XXXX bank  of america and they were unsble to locate any accts under my social.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account with XXXX  XXXX XXXX has been paid off and they are reporting me having a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have disputed information on my credit report with Midland Funding LLC on several occasions requesting validation with my bearing signature due to I do not recall any accounts with them. I looked back at my credit report XX/XX/XXXX and another report for XXXX and both of them listed consumer disputes this account information. I also verified the license for Midland Funding LLC on the state of TN The Department of Commerce and Insurance. They have not had license in the state of TN to collect debt since XX/XX/XXXX therefore they do not have the right to collect from any consumer in the state of TN. Also from looking at my credit reports it looks as if they are reaging the account cause when I look at report from XXXX it shows first delinquency was XX/XX/XXXX and the report for XX/XX/XXXX shows XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I AM WITHOUT A DOUBT THAT THIS SITUATION IS FRAUD RELATED BECAUSE I AM CERTAIN THAT THE ACCOUNT AND INQUIRY BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-05-22 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I AM WITHOUT A DOUBT THAT THIS SITUATION IS FRAUD RELATED BECAUSE I AM CERTAIN THAT THE ACCOUNT AND INQUIRY BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
XXXX XXXX offered a settlement ( in writing ) in XXXX 2017, for a credit card debt with them. All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to XXXX XXXX. I provided them with documentation of the settlement agreement. The only response I got concerning my documentation was that according to their research, I still owe the debt. They have now forwarded the debt to debt collection lawyers ( Johnson Mark LLC ) of XXXX, Utah, who I assume are now planning to file suit on the matter. They say they same thing, that according to their research, I still owe the debt. At this point, apparently this definitely does need to come before a judge to decide whether a settlement agreement is enough, or that I should pay the balance on the account, even though it was the creditor, XXXX, who didnt fulfill their side of the agreement. And apparently, XXXX XXXX and Johnson Mark also do not think a settlement agreement was sufficient to keep XXXX from demanding the balance of the debt, as now XXXX XXXX is demanding the balance of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am being denied my free annual credit report from Experian and the weekly reports as a result of covid pandemic. I do not have this problem with XXXX or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 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: FL

Complaint narrative:
My Name is XXXX XXXX Today 's Date is XXXX XXXX My Experian Report Number : XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also I Called Experian Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful Ive Attempted Several Times In The Past To Solve This Incorrect Info With Experian XXXX All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Experian..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX ... .... 
XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ) XXXX XXXX XX/XX/XXXX I Even Called Experian Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Experian Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days

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 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Dear Sir or Madam : I received my XXXX statement and scheduled an on-line payment on XX/XX/XXXX as what I did in the past 16 years. However, I found the payment was not carried out when I viewed my XXXX statement. So I used the on-line message system to report this problem at XXXX on XXXX XXXX. I didn't get any response. The credit card issuer stated some delay during the COVID19 pandemic. I contacted again at XXXX on XX/XX/XXXX and waited for almost 40 minutes and left a lot of message including what the problem is and how i want it resolved, etc. At the same time, I scheduled the payment for the balance from my purchase and left the fees from the problems. I didn't received any response specific on my request from the credit card issuer since XX/XX/XXXX. 
The XXXX statement keeps adding the fee to my account on the balance I am not responsible for. 
I save all the message with the time from the on-line message system for this complaint in case of request. 
At the same time, I found that the issuer closed my second credit card. I looked through the statement and the issuer took my points of about {$35.00} in XX/XX/XXXX. The claimed that this card was not point earned within a year. however, the second credit card had an annual dividend so that the issuer can't take my points. 
I realized that the credit card issuer has made mistakes and take money from its customers. 
Thank you very much.

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 2020-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My Name is XXXX XXXX XXXX Date is XXXX XXXX My Equifax Confirmation Number IS XXXX OR XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All!! These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX  XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number :XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days

Company response to consumer: Closed with explanation