vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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:
Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. TransUnion and XXXX   both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )

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 2020-08-17 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:
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. XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2020-08-17 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:
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. XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2020-08-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PROPEL FINANCIAL SERVICES LLC
State: TX

Complaint narrative:
Propel Financial Services is attempting to run me for what they describe as daily accrued interest that has never been shown or described in any manner on their mobile they statements. I have attached their last and final statement they send me by email monthly. It shows a final payment due on XX/XX/2020 of {$220.00}. My account has been on autocracy for many years and they had full authority to draft this amount from my account. On XX/XX/2020 they only drafted the standard payment, which they calculated at the beginning of the loan, of {$130.00}. I received no further documentation or statement and on XX/XX/2020 they drafted the difference of the XX/XX/2020 balance less the standard payment drafted on XX/XX/2020 plus an additional XXXX cents of {$93.00}. On XX/XX/2020 they began sending dunning emails for {$100.00} late payment, for which they had full authority to draft to preclude any late fee. Since XX/XX/2020 they have not sent a statement showing payments made of any remaining balance. I called them with my complaint, I pretty much got conflicting answers on what the {$100.00} was ( accrued daily interest of maybe a release of line fee ). They concluded by saying they will send a copy of my contract regarding accrued daily interest and all my statements. Unless they send a statement dated after XX/XX/2020 which they did not send to me, they have not provided any historical evidence of an accrued daily interest balance not any detail official statement of the release of line fee. These actions seem to me to be deceptive practices. I am requesting all collection emails by Propel and any additional fees and interest be stopped until they provide an official statement to me and an explanation

Company response to consumer: Untimely response
Consumer complaint received 2020-08-17 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchrony Bank contacted me in a letter dated XX/XX/2020 asking me for additional information to process a credit card application. I received that letter on XX/XX/2020. I immediately called their Fraud Line to let them know I did not make that application. In speaking with  the representative, I was told whoever made the application did it with my Social Security Number. Synchrony Banks Fraud Department also said they would note the file as fraudulent and I would be receiving a letter within a week which I needed to sign and return to expunge their search on my credit report. On XX/XX/XXXX I received another letter from Synchrony Bank about a second attempt for a credit card application in my name. I called the bank again on XX/XX/XXXX to discuss this issue. I was again told I would be receiving a letter to sign that would clear this up. When no letter showed up, I again called Synchrony Bank on XX/XX/XXXX to try to expedite the process. I still have not received this letter. I would like to get this cleared up and get Synchrony Banks search on my credit report expunged.

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 2020-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
On XX/XX/2020 at XXXX I called my student loan provider, Navient, to discuss options to lower my private student loan payment. I explained that I needed relief for just this one month of XXXX because my pay had been reduced by the airline I fly for due to COVID-19. 

I was first told by the representative that I had ONE option, and that was to enroll in a reduced interest/payment plan for 6 months ( there was a second longer term that I forgot. ) She took my income information and the told me the new payment in the program would be XXXX cents, which was higher than the amount of the payment posted online for XXXX, XXXX. I then explained again that I am unable to make the XXXX cent payment. 

The representative then simply said 'No, there is nothing else we can do. '' I then explained that I would go insolvent on my bills and would not be able to make the payment. 

THEN, after making that statement, the representative explained that there was the other option of using a forbearance to delay my payment for another 30 days. 


This is one of several times I have been brazenly lied to on the phone about my options for delaying/reducing payments by Navient. Their customer service representatives will lie to you in order to make it seem as though you have no options, and then after the fact present ANOTHER option that was not mentioned before. How do they get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2016 I opened an account with Discover Bank. I never ever missed a payment. I always have my account on auto pay. During my divorce, I had to cancel my joint bank account with my ex-wife and re set up my auto pay. When I realized that I had missed a payment I called right away and spoke with a representative to explain the situation. They told me that it was no issue and that all that i needed to do was provide the new account number and routing number to my new account. I provided that information accurately and was told by the rep that the payment was scheudeld for the due date. I later found out that the rep had incorrectly inputted the information into their system and because of their mistake my payment had not gone through and I now was showing up late and overdue and deliquent. I called right away in XXXX to not only recitfy the situation and tell them about their mistake but to have them look into the matter and look at their recorded tapes. I was told and confirmed by a manager that an honest mistake had been made on their behalf and that the information was inputed wrong. I gave them the account number correctly again for a second time and set up the auto pay. Not only did i bring the account back to auto pay i made a large payment and then cleared the account entirely of any balance. in fact they needed to credit me the money back. At this point I am considering legal actions and have reached out to an attorney. I would like for any delinquency to be removed from my records as it was not my fault and i am suffering damages in the process

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I transferred XXXX dollars from my Chase account to my XXXX XXXX XXXX account using the chase quick pay function. 
Using the same information I made a total of 12 transactions and 11 of those transactions went through but one of them never went through. 
I submitted a request with Chase bank and they closed my claim saying that the money had been transferred. 
I have spent more than 25 hours waiting on the phone line and trying to talk to representatives from Chase and they have been extremely disrespectful towards me and very dismissive of my predicament. 
I tried to talk to XXXX XXXX XXXX numerous times and met with their representatives. They told me they couldn't help me as the money was never transferred from Chase. 
Finally a XXXX XXXX XXXX branch manager wrote and signed a statement and handed it over to me. That statement is a declaration from XXXX XXXX XXXX that the money was never transferred from Chase but Chase refuses to accept my request or even take my calls anymore. 
Every time I call their customer complaints they keep bouncing me off from one person to another. 
Please please help me. I am so done. This has caused so much stress in my personal life and wasted 03 weeks of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one is reporting 3 missed payments. This is incorrect. I have made all my payments and have paid extra. They are reporting XX/XX/XXXX, XXXX & XXXX as missed to all three credit companies. 

I made a {$5.00} payment in XXXX, a {$200.00} payment in XXXX, {$50.00} payment in XXXX & {$66.00} in XXXX, {$25.00} in XXXX & {$50.00} in XXXX That is a total amount of {$400.00} dollars. at my min payment of {$25.00} a month I have overpaid this year so far {$170.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: VA

Complaint narrative:
I am filing this complaint again due to the fact that in my initial complaint on XX/XX/2020, Experian responded saying this complain does not appear to be from me. Which makes no sense when I disputed in XXXX I submitted proof of identity and my police report, not to mention that those things were also attached to my complaint. 


In the month of XXXX I contacted EXPERIAN about errors on my credit report. I did not receive any correspondence back nor have these accounts been removed. They are hindering my financial right now. The accounts are as follows : XXXX XXXX - Last reported XX/XX/2020 - {$260.00} XXXX XXXX - Last reportedXX/XX/XXXXXX/XX/2020 -  {$190.00} - XXXX XXXX XXXX XXXX XXXX  ( Original creditor ) XXXX XXXX XXXX - Last reported XX/XX/2020 -  {$930.00} - XXXX XXXX XXXX XXXX ( Original creditor ) XXXX XXXX XXXX - Last reported XX/XX/2020- {$1500.00} - XXXX XXXX XXXX XXXX XXXX ( Original creditor ) These accounts do belong to me. And should be removed per 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lending Club Corp
State: PA

Complaint narrative:
On XX/XX/2020 I emailed Lending Club at the email address they provided to cease and desist calling me. That email address was sent to XXXX. I originally sent this request due to Lending Club calling me 5x that day  prior to XXXX. Lending Club acknowledged they received my cease and desist communication when later in XXXX I called in to make a payment. Then today, XX/XX/2020, Lending Club again called me attempting to collect a debt. I let them know that this is violation of the FDCPA and that i'd be reporting the violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 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: TX

Complaint narrative:
Had two accounts credit cards through Synchrony Bank. Both started out XXXX and XXXX credit balances. After using and paying off the credit limits were dropped to XXXX and XXXX with the XXXX closing soon after. The second card was recently closed after an automated payment.

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 2020-08-17 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:
Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. XXXX  and Equifax both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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:
Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. XXXX and XXXX   both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )

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 2020-08-17 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$560.00} XXXX  XXXX {$3600.00} XXXX XXXX {$810.00} XXXX  XXXX {$3100.00} XXXX XXXX XXXX {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I submitted two transfers from my XXXX XXXX account to Robinhood brokerage, in the amount of XXXX usd and XXXX usd on XX/XX/XXXX and XX/XX/XXXX. While Robinhood says it will take 5 business days to transfer, they are doing disservice and not being ethical. Why. My bank says funds have been withdrawn. And it said that 2 days back. But it doesnt reflect in my Robinhood account. They say we said 5 trading  days. But this is unfair as my experience with other brokerages such as XXXX XXXX takes no more than 3 days. 

Robinhood is holding this amount to make money for two extra days in interest without transferring to my account. This needs to be investigated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: LA

Complaint narrative:
I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$400.00} XXXX   XXXX {$14000.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX   XXXX {$90.00}

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 2020-08-17 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: LA

Complaint narrative:
I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$400.00} XXXX   XXXX {$14000.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$87.00} XXXX   XXXX {$90.00}

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 2020-08-17 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: IL

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. US DOE XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$4000.00} DEPTEDXXXX  XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXXXXXX {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
At my bank I was needing to pay for for some packages and was was making some withdrawals plus using my debit card for payments. They began giving me trouble every time I needed money and I told them what it wa for but they pay no mind to me and froze my account and froze my debit card. They have held up my account for to long, five weeks and 3 days now, which is causing me problems without my funds. I have checked with them a few times but all I hear is we will call you, but Ive not heard from them thus far.

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