vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
These are not my accounts. Please remove them from my credit profile.

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 2020-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My home loan was sold to Mr. Cooper in XX/XX/XXXX. Since the beginning of working with them they were rude and deceptive. Due to the awful treatment we decided to refinance. We started this process on XXXX XXXX XXXX. During this process Mr. Cooper was misleading to our new lender and trying to keep our new loan company from completing the refinance. They lied and said our loan had been sold, they repeatedly gave inaccurate payoff amounts. Due to this delay we waited weeks to complete our refinance. In that time our PMI was paid out of escrow for the XXXX  year ( we bought the house in XXXX of XXXX paid PMI in our loan closing [ line 902 on the loan disclosure I have included ] and have paid every year since [ as the statement from XXXX I have attached shows ] ). I have attempted to get this money back but again I have experienced road blocks and lies. I was told that the PMI was for XXXX so I cant get a refund ( during this entire process to this point everyone agreed the PMI was for XXXX ). Then the agent told me they would have added it to our payoff amount anyway so why am I complaining ( I dont understand why they are entitled to this if I am closing my loan ). But on top of that they tried to charge us over {$2000.00} for additional PMI in our refinance. Mr. Cooper agreed that this was a mistake ( intentional I really believe ). The {$2000.00} is supposed to be refunded. I would also like the {$680.00} of PMI taken in error refunded. This company should not be allowed to continue to deceive buyers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi Bank Mastercard just lowered my credit limit at the onset of a national disaster and global health emergency, reducing my buying power and ability to survive during a disaster, for no reason whatsoever. I had just made a {$500.00} payment on my credit card and suddenly I am at my credit limit because Citi decreased itt and I can not use the card in this time of emergency. Did Citi just lower everybody 's credit limit at the onset of a disaster to prevent us from being able to take care of ourselves in a disaster?

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/XXXX, I wrote to LexisNexis Consumer Center and requested a security freeze be place on my Consumer Disclosure report. I also requested to opt out of LexisNexis disclosing future information until further notice including the C.L.U.E report and other reports furnished LexisNexis regarding all personal information of mine to credit bureaus and creditors, but also future potential employers until I lift this restriction. Finally, I requested LexisNexis to send me a FREE copy of the information you are reporting about me as of the date you receive this request. In my request, I provided my Driver 's License Number and Social Security Number as well as my Name, full date of Birth and Address, and also enclosed a copy of my State issued Driver 's license and Social Security Card. This request was mailed via certified mail. On XX/XX/XXXX. LexisNexis wrote back indicating that they were unable to process my request as they were unable to " authenticate me '' with the information I provided. 

Most recently, on XX/XX/XXXX, LexisNexis wrote back to me again indicating they were not able to authenticate me but were able to opt me of prescreened offers which is not what I requested. 

I am attaching LexisNexiss response as well as the original correspondence sent to LexisNexis which, again, included a copy of my drivers license copy of my State issued Driver 's license and Social Security Card as well as the number printed on it. This is idiot proof information that is plain and visible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NC

Complaint narrative:
as previously stated, I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The credit card was with Wal-Mart when it was switched to Capital One. I had auto-payment with Wal-Mart but the auto-payment was discontinued when it was switched to Captial One and I missed two payments and accrued late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NC

Complaint narrative:
Equifax closed my complaint and did not fix errors on my credit report. I am a person not a credit repair company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NC

Complaint narrative:
Ive not been contacted by the creditor, when I saw the issue on the report I contacted the company XXXX  XXXX, when I called them they couldnt talk to me as they stated my social security number did not match, Being the personal information does not match and Im not XXXX years old this is not my account. This should be removed from all the credit bureaus immediately. 
I will look at civil action against the bureaus and or creditors if this is not removed.

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 2020-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My laptop was stolen and my information was fraudulently used to open these accounts i never knew about

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 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
They did not pay me my cash-back rewards after I met their requirements and after I made many attempts to get this resolved over several months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
In XXXX of 2019 I took out a XXXX as the website stated I would be charged the amount of XXXX $ in 12 equal installments, well after XXXX $ was paid in 5 installments all of a sudden the balance was still XXXX so they lied and misrepresented to get me to take out this loan and preyed on me. So I stopped paying them and now on my credit report I owe them the original XXXX $ which I will never pay but would more than will to resume payments for exactly 7 more payments as was the original deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Equidata, Inc.
State: FL

Complaint narrative:
My laptop was stolen and my information was fraudulently used to open these accounts i never knew about

Company response to consumer: Untimely response
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I was not informed that I can dispute anything, I tried multiple times to settle this with no response from the collection company. I was never informed I can dispute this debt, nor was I informed that this debt was being sold. So, I never gave my permission to sell my debt. At this point I would like this to be removed from my credit. I have no credit and want to build, that is why I have been trying to reach out to settle this, with this on my credit, my credit is growing slower. If this can be resolved, it would be amazing for me right now. Thank you

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 2020-03-13 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: U.S. BANCORP
State: CA

Complaint narrative:
I have called US Bank no less than 6 times regarding a dispute I filed for a charge on my credit card. US Bank says that their supervisors are calling me back, yet they REFUSE to leave a voicemail, and they do not accept incoming calls. I have never once seen a missed call from US Bank, and have no proof that they have EVER returned my call. Additionally, they have incorrectly read evidence regarding my dispute, and are avoiding allowing me to talk to a human being to explain. Additionally, the merchant has provided NO evidence to counter my claims, yet US Bank has ruled against me. It's as if they could not possibly try to service me less. Terrible business practices. 

I purchased tickets through XXXX for XXXX in XXXX XXXX in XXXX of 2019. I selected tickets for DAY 2 on the website, for a SUNDAY, and was charged, but emailed tickets for SATURDAY, the wrong day. Fearing they would sell out, I made the purchase a second time and received the correct tickets for Sunday. I immediately contacted the merchant but they would not help. I disputed the charge with US BANK, and send them an email exchange between myself and the vendor where the vendor ADMITTED that they received 2 ticket orders for SUNDAY, the correct day. Even after the vendor admitted their error, US Bank would not properly process my dispute

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 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I called the bank and they can not find my account. They told me that means the account was closed. I never closed the 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 monetary relief
Consumer complaint received 2020-03-13 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: NC

Complaint narrative:
Ive not been contacted by the creditor, when I saw the issue on the report I contacted the company XXXX  XXXX, when I called them they couldnt talk to me as they stated my social security number did not match, Being the personal information does not match and Im not XXXX years old this is not my account. This should be removed from all the credit bureaus immediately. 
I will look at civil action against the bureaus and or creditors if this is not removed.

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive not been contacted by the creditor, when I saw the issue on the report I contacted the company XXXX  XXXX, when I called them they couldnt talk to me as they stated my social security number did not match, Being the personal information does not match and Im not XXXX years old this is not my account. This should be removed from all the credit bureaus immediately. 
I will look at civil action against the bureaus and or creditors if this is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: IL

Complaint narrative:
I opened a US BANK account that with the promo code XXXX. This promo code promised a {$200.00} account bonus for opening a elite money market account. I have attached the terms of this promotion as an attachment. 

In XX/XX/XXXX, I called a couple days after my account was created to verify that the account had the promo attached to it. I was told that the promo code was attached to it. In XX/XX/XXXX, I called again to verify the promo code was attached to my account and the customer service representative said that the code was not attached to my bank account. Therefore US BANK would not grant me my bonus that was promised at account opening.

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have over 100 inquiries on my credit report that I did not authorize. Those inquiries along with the fraud alert on my file is making it very hard to obtain a home for me and my children. I have reach out through mail and over the phone to have the inquiries removed and nothing has been done.

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have over 100 inquiries on my credit report that I did not authorize. Those inquiries along with the fraud alert on my file is making it very hard to obtain a home for me and my children. I have reach out through mail and over the phone to have the inquiries removed and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have over 100 inquiries on my credit report that I did not authorize. Those inquiries along with the fraud alert on my file is making it very hard to obtain a home for me and my children. I have reach out through mail and over the phone to have the inquiries removed and nothing has been done.

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 2020-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I got a loan from Speedy Cash, back in XXXX of XXXX. When I went to speedy cash all the tellers are behind a glass window. They explain the hypothetical amount you can get in an installment loan but not really how much an average, the interest or said payments would be. It goes by fast and they take longer verifying your information than they do explaining the numbers. For example, I was easily confused since the numbers were never written down for me until after I had signed the monitor, I didn't get that through the phone call they had me do, car title they had to register, that my interest would be 95 % equaling a little over XXXX + XXXX that would take 44 months to pay back in total. The Payments already being high, it's hard to pay extra. I managed to pay off my loan with another that had 70 % LESS interest. Even though I no longer owe them a dime, I would like to put a complaint, there should be set limits for loans such as these. I can't imagine how other people in an emergency like I had and perhaps being less stable trying to pay these off. It is outrageous. And should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Hi, I was trying to dispute my collections from national credit Adjusters on my credit report which is not my debt at all and it is still on my record The original creditor cash 1. I would like it deleted indefinitely in exchange for settlement of the full amount XXXX. The both times I tried disputing it came back Account information disputed by consumer, meets FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I had a payment plan in motion and up to date with Santander for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 — Investigation took more than 30 days
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I had a payment plan in motion and up to date with XXXX for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 — Investigation took more than 30 days
Company: ERC
State: TX

Complaint narrative:
I had a payment plan in motion and up to date with XXXX for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 — Investigation took more than 30 days
Company: CL Holdings LLC
State: TX

Complaint narrative:
I had a payment plan in motion and up to date with XXXX for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation