vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX XXXX {$6600.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$18000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The questions do not really apply to this. 
I tried to receive the paycheck protection program from Bank of America. This is my small business bank since XX/XX/XXXX when we opened the business. I was told that since I do not have a loan or credit card history with them that I am not eligible for the program. I have checking and merchant services through them. 

This is a federal program backed by the SBA to help small business stay open during the Covid-19 crisis. 

I have not needed any loans or credit cards from BOA. I do not see how Bank of America can keep my business from receiving these funds just because I have not taken out a loan with them previously. 

I also can not go to another institution because you are required to have an existing account with any other bank before XX/XX/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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Made a free account with TransUnion and was charged {$24.00} for no reason. Tried to remove my debit card information and received another {$24.00} for no reason! No good provided and no warning they would charge my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: AZ

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit 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 2020-04-03 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: AZ

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit 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 2020-04-03 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
XX/XX/2020 I mailed a request to XXXX  and XXXX  I havent received any documents back about the in accurate account not mine being removed theres no proof these are accurately my accounts. 

XXXX  {$350.00} reporting from XXXX  and XXXX. Mailed dispute to XXXX. 

I have mailed dispute to XXXX  and still reporting XXXX  Merchants Credit {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$18000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED 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 2020-04-03 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$18000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED 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 2020-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
took out loan on title of car in XXXX. XXXX paying as agreed for a monthly installment but due to coronavirus and my XXXX  being non essential I am not able to work. I have applied for unemployment and i am also looking for work in an essential business. i also have been XXXX  to someone we believe has XXXX  so i may be XXXX. i have called the TitleMax company and they refuse to defer, postpone or extend the loan. if i dont have a way to be able to legally work, they should be forced to help the consumer. if i lose my car i can not work or look for essential work. 
he next payment isn't due until the XXXX XXXX but they are showing that payment is past due as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Mortgage Servicer : Lakeview Loan Servicing LLC XXXX XXXX  XXXX, XXXX  XXXX, VA XXXX XXXX My loan # XXXX My wife lost her work as a result of impact of the coronavirus ( COVID-19 ). We have lost a major source of income and will not be able to make the mortgage payment. I contacted the servicer 3 times and they will not offer the federally mandated deferral program coming from the stimulus plan which offers mortgagors assistance with the ability to defer mortgage payments up to 12 months with the ability to add those payments to the end of term. That would be without late fees being added or negative reporting to the credit agencies. They would not provide the deferral and therefore not following law. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2020-04-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX and XXXX, 2019. My credit card number was used fraudulently to make {$2100.00} in purchases. According to Chase, the purchaser had a chip card at point of sale. My family had possession of all of my cards. Chase contacted me twice and both times I told them that the charges listed were not mine except for the XXXX charge. They refunded the charges on my account. Then two months later they sent a letter stating that I benefitted from some of these charges and rebilled {$1700.00} to my account. They stated the investigation was complete. They never questioned me in the investigation. We can prove that none of us who carry one of the cards was in the geographic location where the purchases were made. There are even correct charges made on both of those days by me which show that I was not in XXXX XXXX. They also claim that I notified them that one of the XXXX purchases was mine which I did not do and the charge was not mine. 
Chase did not include me in their investigation. I can prove that none of my family was in the location the charges were made. I consider Chase to be acting in bad faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I applied for an home equity loan at Wells Fargo. They have my home loan. I have been there 10 years and never missed a payment or been late. My XXXX credit score is XXXX. They denied my application based on age. Of course they did not come right out and say that but they said they were worried about me becoming sick and not being able to repay my debt. I collect Social Security and work as a XXXX   XXXX  XXXX. They said my ratios were to high which they were not. You do not have a credit score of XXXX with to much debt. They were trying to count in my ratios what I was going to do with the money I borrowed but of course that is none of their business.My security was my home in which I had lots of equity. Of course they deny it was age discrimination and are trying to use my ratios. It was my loan rep XXXX who said this to me. When I applied for the equity loan they ran my credit and told me everything was fine. I was using the personal funds in my own business. The goal was to earn more using my own funds. I have contacted them several times but they still think that age discrimination in credit is OK with the bank. Do you think this is legal? 
Thank you, 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 2020-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I am an XXXX XXXX  and due to the Covid-19 situation, my income has gone to nearly zero. I am also self-quarantining as the federal and state governments have requested. 

I called my lender, Exeter Finance and asked them if they could help me by deferring payments and they said no. I said " I thought lenders were supposed to help customers right now '' and they said " it's up to our discretion and we're not going to help you. '' I bought my car in XX/XX/2018 at an interest rate of 23.78 %. The amount financed was {$26000.00}. I have paid them a total of {$14000.00} and my current loan balance is {$24000.00}. 90 % of the money that I have paid them has gone to interest and they will not help me. 

Their agents were rude, disrespectful and vaguely threatening. I would not advise anyone to do business with this company. This has been the worst consumer finance transaction of my life. Exeter had to pay a multimillion dollar fine last year in Massachusetts for predatory and usurious lending practices with sub-prime consumers. Avoid them like you would Covid-19!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  XXXX is a fraudulent company first of all. They closed my account after I was late a couple of days and would not allow access to my credit limit, when I called and spoke to a XXXX  XXXX rep, however they continued to charge late fees month after month when the account was closed. XXXX XXXX sold the account to XXXX XXXX, whom i settled with and paid the account off. XXXX account was removed, but XXXX XXXX is still on my report with all the fraudulent late payments. This company preys on people that are rebuilding their credit. They never tried to reach out or help me. They just simply closed my account after I was late a couple of days and continue to charge late fees and negative payments even when the representative continued to say my account was closed.

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 2020-04-03 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: GA

Complaint narrative:
Equifax is reporting a fraudulent account that was a result of identity theft. Fraudulent accounts are continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLIANT CREDIT UNION
State: DC

Complaint narrative:
Alliant Credit Union is the worst financial institution I have ever dealt with, in more than 25 years. 

I signed up for their Alliant Cashback Card, which awards unlimited 3 % cashback during the first year on all purchases. Within a couple of months, I received notice that they were changing their terms to cap the cashback only to the first {$10000.00} in purchases each month. 

Even more troubling, they make it very difficult to access your cashback. If you don't have another account with Alliant, your only option is to request a credit to your credit card balance. But they intentionally throttle these request -- in tiny print on their website, it says : " Cash Back  rewards applied as a statement credit to your card may take up to two billing cycles depending on the date redemption is requested and the closing date of the billing cycle. '' I did not see this small notification, and so for two months I paid my account balance in full minus the amount of cashback I processed as a statement credit. Because of the intentional throttling, they charged me {$180.00} in interest. And although I spoke with multiple customer service representatives, including two different supervisors, they refused to refund any of these interest charges. Their position, which is absurd, is that they lack the discretion to ever refund any interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams & Fudge, Inc
State: NY

Complaint narrative:
RE : Williams & Fudge, XXXX XXXX ( XXXX ) XXXX : Company clearly bought an old debt for pennies on the dollar ; stated a very inflated / incorrect amount as part of an invoice that was sent over a public Company server as opposed to my personal e-mail. Prior to the e-mail that was sent to a public business domain today ( Friday, XX/XX/XXXX -- which I have a record of ), XXXX XXXX XXXX called repeatedly to my cell phone and made fun of / mocked my last name. This is harassment for a debt that is not even correct plus outside of the Statute of Limitations. Please Advise how I should proceed. 

P.S. The company server that he sent the e-mail is a Company that furloughed me due to the Coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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 have been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches including XXXX, XXXX, and XXXX breach.

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 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
XXXX XXXX Loan care servicing took over my loan from XXXX because of their Bankruptcy, they have exorbitant and unfair fees if you call in your loan payments AND they charge fees unless you pay by the 4th day of the month, even on line. 
XXXX did not have these fees. I feel they are unfair servicing fees I think they should be investigated. 
They also have upped my payment much more than they need to for escrow shortages, I have done the math and its incorrect. They are getting away with this kind of thing with everyone I am sure not just me. 
You also cant get any real help from their customer service people, they wont put you through to supervisors they just leave you on the phone hanging on. 
They need to be investigated for all their tricks.

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 2020-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: RI

Complaint narrative:
I have tried repeatedly to reach this company as I have three loans in hope of some relief as my two retail shops are closed. I have no income. When I fill out form I get no response and cant get through phone lines. Today I receive this info : They are giving no relief only allow you to use a 15 day grace period. They are reporting to credit bureaus. 

XXXX! Make this company offer relief. If my government nails this company y out I will revolt like you have never seen Enough I had good credit before this get no relief for my business was and now this

Company response to consumer: Closed with explanation