vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Original Creditor Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-05-21 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Original Creditor Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: WA

Complaint narrative:
I had a checking accout at TCF Bank in XXXX, AZ. When I initially opened the account I was given the option to have " overdraft protection '' which I declined not once but several times. 
The reason why I declined the overdraft protection was in the recession in XXXX ' one of the banks that I had a checking account allowed me to overdraft my account via my debit card over 1000.00. I was under the impression that 1 ) the  debit card would be denied, 2 ) with that amount of ovedraft how come no one called me. I ended up with several hundred dollars in overdraft fees and cost. This was the reason why I declined the overdraft. 

I had the account for several years. I went on a trip to XXXX XXXX and knew that my account balance was low on my TCF debit card and still used it since as in the past when the debit went down to " XXXX  '' no overdraft would be added. In XXXX I used the card and never was stopped from using it so quite naturally I figured I had funds in account since the card wasn't being denied. 

I travel alot and sometimes when the balance was low I would place more funds in the account. On one occasion when I was back in AZ I went to the TCF bank in XXXX where I was told that my account was closed for lack of funds and saw then that I owed again several hundred dollars in overdraft fees. 

When I contacted TCF bank in MN the lady told me that at the time I opened the account that I had requested the overdraft which naturally I declined which was a lie, and then the lady said that later on I asked for the overdraft protection which of course I denied. 

I asked for documentation such as a copy of my bank application when I opened up the account and also for any other request from me to have the " overdraft '' protection which naturally I haven't received. 

If you go over the history of my account you will see that for three years there were not overdrafts and then on this " XXXX '' all XXXX broke loose. I contact the Department of Consurer Affairs and the Attorney General in AZ and was told to contact the Department of Financial Institutions. I  have volumes of letters from TCF Bank and the State agences that I requested help. 

TCF then went to a collection agency which of course has " Killed '' my credit and I don't deserve this false action. Because of this credit negative report on my credit report I now have to pay higher auto insurance and have declined to rent homes because of my negative credit report. I don't buy anything on credit mostly cash. So I did not have that much actions on my credit report in the first place. I will be more than happy to send you a complete file of the geneology of my letters and frustration with TCF Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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:
I was receiving bills from a collection company. I wondered for days why i received this collection bill twice, if I knew I didnt owe anything. I got onto my XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. these accounts do not belong to me. Please remove these items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I registered for a conference because my employer wanted me to attend. That conference was scheduled to take place in XXXX XXXX on XX/XX/XXXX-XX/XX/XXXX. The event did not take place as a result of COVID19. I requested a refund of the {$1000.00} registration fee that I put on my Citi MasterCard. The merchant refused and instead offered me a ticket to a future event. I told the merchant I am not sure I will be able to attend a future event, and I am not sure my employer would want me to attend, and furthermore I'm not even sure I will be employed! They still refused to give me a refund. I filed a dispute with my credit card company ( Citi ) explaining this and sharing my communications with the merchant. They reached out to the merchant who provided a receipt for another conference guest in the wrong amount. Citi then told me that the merchant has a no refund policy and they had resolved the dispute in their favor. I called in spending hours on-hold talking with numerous agents than promised they would help me but did not! The merchant 's cancellation policy is for when an attendee has to cancel, not for when the entire event gets cancelled by the organizer! I intended to go to the event, but was not able to because it did not happen. It's unethical for the merchant to keep my money for a different event that I did not sign up for and may not be able to attend. I did not receive the service I purchased, and Citi refuses to properly investigate my case and do the right thing in returning my money.

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 2020-05-21 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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
When interests rates went up around XX/XX/XXXX I made a few payment at the higher minimum requirement but after losing work I couldn't make those higher payments. I tried to talk to BofA, requesting the interest rate be lowered or the monthly payment be lowered but they didn't work with me. XX/XX/XXXX I continued to make payments I could afford but they were less than the minimum required. 

I received an email statement showing the balance owed on XX/XX/XXXX. Then on XX/XX/XXXX I received three emails, two stating " finance charge credit '' and one stopping ebills. I then received 1 more email on XXXX XXXX with balance due. 

I didn't hear from BofA again until XX/XX/XXXX when it was transferred to a collections agency. 

I have been trying to get information on why the " finance charge credit '' is not showing. I believe that the amount owed should be less based on these 2 emails but I can't get anyone to track down the reason the email say I received a credit on my account and yet no balance change.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Addresses XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX My Correct address is XXXX XXXX XXXX XXXX   XXXX, XXXX ( please see attached identification ) Please remove incorrect employment information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these authorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX-

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 was receiving bills from a collection company. I wondered for days why i received this collection bill twice, if I knew I didnt owe anything. I got onto my XXXX XXXX  and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. these accounts do not belong to me. Please remove these items on 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 2020-05-21 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 was receiving bills from a collection company. I wondered for days why i received this collection bill twice, if I knew I didnt owe anything. I got onto my XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. these accounts do not belong to me. Please remove these items on 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 2020-05-21 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. 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. XXXX   XXXX {$400.00} XXXX  XXXX {$4900.00} XXXX XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX added a remark to my account that dropped my credit score 26 points ( XXXX  ) and 20 points ( TransUnion ). It was the only change on my report, and I'd done nothing differently- I was up to date on payments and hadn't requested a deferment or forbearance. 
I tried to contest it with the major credit bureaus on XX/XX/XXXX, with no luck. 
On XX/XX/XXXX, XXXX XXXX removed the remark from my account, which combined with other things ( credit card payments decreasing my balances, a hard inquiry expiring ) raised my score 20 points ( TransUnion ). Still haven't gotten the points back on XXXX. 
The erroneous mark dropped my score so much, and it hasn't recovered totally. I should have gotten those points back, but I didn't. 
XXXX XXXX hasn't communicated with me at all.

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 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
This all started after I pulled my credit report in XX/XX/XXXX I noticed there was a credit card for Citibank/AACBNA. The account was opened on XX/XX/XXXX. The balance for the credit card was {$2500.00}. I did not open this card nor did I authorize this card to be open in my name. Then I called the number on my credit report for this company. I then got the run around I was transferred all of the company. I then got sent to the correct department and was told this card was for XXXX XXXX with Citibank. I gave them a verbal dispute over the phone. I called my monitoring service and told them what I found on my credit report. They told me what to do for my monitoring service to step in and do casework. I got all of my documents together and sent them to my monitoring service so they could send out a dispute package. I sent my monitoring service the documents they requested which were police, power of attorney, identity theft affidavit, proof of address, drivers, and my social security card all copies. The dispute was sent on XX/XX/XXXX, and was sent certified mail. I received a letter from cardmember services stating they flagged my credit report as disputed and did not give me a reason on my why my dispute was denied. Also there was not a phone number for me to call to see why my dispute was not honored. This leads me to believe my dispute was not read or investigated

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 2020-05-21 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 have been shopping for cars for about a month and today XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however when my credit report came back, I was told that I didn't get approved at all because there were a few accounts in negative standing on my credit. I looked through my credit report and I saw two accounts on there that I never opened. The accounts are both from this company US BKPT CT CA XXXX. Neither of the accounts from that company belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts. I do not have any contract or agreement with those companies and I never gave them permission to access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 have been shopping for cars for about a month and today XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however when my credit report came back, I was told that I didn't get approved at all because there were a few accounts in negative standing on my credit. I looked through my credit report and I saw two accounts on there that I never opened. The accounts are both from this company US BKPT CT CA XXXX. Neither of the accounts from that company belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts. I do not have any contract or agreement with those companies and I never gave them permission to access my credit information.

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 2020-05-21 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 bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. 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. XXXX  XXXX {$400.00} COLLECTIONS XXXX {$4900.00} XXXX XXXX {$15000.00}

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 2020-05-21 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 bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. 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. XXXX XXXX {$400.00} COLLECTIONS XXXX {$4900.00} XXXX XXXX {$15000.00}

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 2020-05-21 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 several months ago and a account is still appearing on my credit file.

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 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Yes. My complaint is with Santander Consumer usa. Its an auto loan account that originated at {$18000.00}. The term of the loan was 72 months @ $ XXXX@ 23.16 %. The loan begin in XX/XX/XXXX. We are in now in XXXX. i have been paying on this loan for over 75 months and i still owe over {$8000.00}. I wanted to talk with someone in a higher department but i cant reach them. The staff seems like they dont care about their customers. Its seems to me all they care is about there money. I have notice this company have been sued numerous amount of times in different states ( XXXX XXXX   Santander vs Massachusetts ) including a major recent suite for over {>= $1,000,000}. Now i'm writing this because the issues that i here in these cases are the same issues i'm facing with them too. Example are You still owe them outstanding balances after you paid off the term of the loan, There's no one that can honestly give you correct information, Its seem to me you cant reach no one higher in rank to discuss you situation because of corruptness of the company. They seem to put there workers on the frontline to do their dirty work. The way things are going i will be paying right at {$50000.00} dollars for a {$18000.00} loan. This company is greedy, not caring and dishonest to their customers.

Company response to consumer: Closed with explanation