vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 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: FL

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Last reported XX/XX/XXXX {$210.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 mos ) Account statusOpen XXXX/XXXX Last reported XX/XX/XXXX {$2100.00} Reported balance Credit limit {$1000.00} You're using 217 % of your account 's limit OVERVIEW Credit limit {$1000.00} Minimum monthly payment {$33.00} OpenedXX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$700.00} You're using 0 % of your account 's limit OVERVIEW   Credit limit {$700.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 7 yrs, 8 mos ) XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 8 yrs, 11 mos hese lenders have accessed your credit file : XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX INSTALLMENT Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing this due to non-compliance with Experian. They have failed to conduct a timely and proper investigation of disputed accounts and their investigation has exceeded 30 days. They have not responded to my disputes from XX/XX/2020 or XX/XX/2020 where I requested method of verification. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover disabled the messaging system on Discover 's website, as well as the call center system. Whenever I attempted using phone relay for XXXX people to call XXXX, the phone system simply hangs up each time we try a call. 

Discover also disabled the chat messaging option to prevent me and numerous other people from receiving hardship relief due to COVID 19. 

Due to the COVID 19, I was laid off from my job. 

I am awaiting unemployment insurance processing. 

Can you please reduce my monthly payment or offer me a program or disaster relief? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
Despite calling Barclay card, I was told they could not do anything to offer me relief on my upcoming bill due in XXXX. The credit card company won't work with me while I'm going through financial hardship ( won't negotiate lower fees, lower interest rate, lower monthly payment, or postpone payments ). 

Due to COVID 19, I was laid off from my job. 

I am awaiting unemployment insurance processing. 

Can you please reduce my monthly payment or offer me a program or disaster relief?

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 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : This account was closed on XX/XX/XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$20000.00} You've paid off 42 % of this loan OVERVIEW Highest balance {$20000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 4 yrs, 10 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$1400.00} Open balance XXXX XXXX   XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 mos ) Account statusOpen XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$750.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$750.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 7 mos )

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 2020-03-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I never had a mortgage with Citibank. They are reporting late payments with XXXX. I had pulled my credit and immediately notified Citibank and XXXX. Citibank agrees I have never had a mortgage with them. I disputed the error on the XXXX website. I was just notified that Citibank confirmed the information as accurate.

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 2020-03-23 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: FL

Complaint narrative:
XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : This account was closed on XX/XX/XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$20000.00} You've paid off 42 % of this loan OVERVIEW  Highest balance {$20000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 4 yrs, 10 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$1400.00} Open balance XXXX XXXX   XXXX Original creditor XXXX OpenedXXXX XXXX, XXXX ( 2 mos ) Account statusOpen XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$750.00} You're using 0 % of your account 's limit OVERVIEW  Credit limit {$750.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 7 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : This account was closed on XX/XX/XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$20000.00} You've paid off 42 % of this loan OVERVIEW Highest balance {$20000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 4 yrs, 10 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$1400.00} Open balance XXXX XXXX   XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 mos ) Account statusOpen XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$750.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$750.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 7 mos )

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 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
My first missed payment was XXXX XXXX 2019 for rent of {$1600.00} I had lost my job and just started another one. The apt was rented out end of XXXX beginning of XXXX. The credit agency is charging me {$24000.00}. There is no way I owe that much and the apt was rented out soon after so there are trying to illegally double charge rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have tried reaching the company unsuccessfully. My phone XXXX  for XXXX people attempted to dial Best Buy 's credit card phone customer service system today several times. The machine simply is a recording that hangs up without any live customer services personnel. 

The credit card company won't work with me while I am going through financial hardship ( won't negotiate lower fees, lower interest rate, lower monthly payment, or postpone payments ) Due to the COVID 19, I was laid off from my job. 

I am awaiting unemployment insurance processing. 

Can you please reduce my monthly payment or offer me a program or disaster relief?

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 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never had a mortgage with XXXX. They are reporting late payments with Experian. I had pulled my credit and immediately notified XXXX and Experian. XXXX agrees I have never had a mortgage with them. I disputed the error on the Experian website. I was just notified that XXXX confirmed the information as accurate.

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 2020-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: COAST PROFESSIONAL, INC.
State: IA

Complaint narrative:
My servicer is Coast Professional. They garnished my wages at {$200.00} a month, which I can't afford and have been paying over a year. I contacted Coast Professional months ago and gave them my information that they should have asked for before they garnished my wages. I gave them my rent statements and other bills I have to pay each month. They told me based on those statement that I should be only paying {$10.00} a month. It's been about two months and I have not heard from them and I am still paying {$200.00} a month. A few days ago because of the coronavirus, I wrote them a letter asking for a forebearance. My payments should be stopped at this point. Not only that, Coast Professional should pay me back from paying {$200.00} a month when I should have only paid {$10.00} a month.

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 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
A collector from Williams & Fudge by the name of XXXX XXXX calling most recently from the number XXXX XXXX XXXX XXXX has repeatedly called my phone with nonsense tactics including asking questions and then attempting to formulate answers prior to giving me time to respond or constantly interrupting me while I am attempting to respond. Additionally, I have told this collector on multiple occasions that I work XXXX - XXXX overnights please to not call in the in the morning hours as I am sleeping which is when he consistently calls. I have spoken with him about his nonsense tactics and stated that I would like transcripts and/or recordings of the calls that are recorded ; once he said he would work on that and then the most recent call he said there is no way that is going to happen. I informed him that if he is unwilling to provide those which he undoubtedly knows will prove his harassing and wildly unconventional techniques not to bother calling me. I will not deal with this collection agency while they continue to refuse professional courtesies and until I receive copies of the recordings they have which will be used to prove their antics and violations of section 806 of the Fair Debt Collection Practices Act. Any assistance you can provide in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: FL

Complaint narrative:
THE FOLLOWING LETTER WAS MAILED TO EQUIFAX AS TO MY REPLY TO THEIR LETTER Confirmation # XXXX Dated XX/XX/20. 

THE COMPLETE RESPONSE BY XXXX XXXX XXXX IS UPLOADED AS TO EQUIFAX 'S LETTER Confirmation # XXXX Dated XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: FL

Complaint narrative:
THIS IS MY REPLY UNDER FCRA THAT ALLOWS ME XXXX XXXX XXXX. WHERE TRANSUNION PER THEIR Confirmation # XXXX Dated XX/XX/20. I ALSO MAILED THEM MY RESPONSE. MY RESPONSE IS PDF UPLOAD.

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 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Ive applied for a citi bank credit card on XX/XX/2019 to try and start up a credit line. I got a letter basically telling me that theyve denied my request. So on I went to my personal bank and I got approved for a credit card, told me to download XXXX XXXX. Went on it showed that I have a inquiry from Cbna. Which by the way I do not have any accounts with them.

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 2020-03-23 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: SC

Complaint narrative:
I have a Kolh 's credit card and very seldom us it. For years I had received a paper statement to pay my bill. Suddenly my account had changed to paperless statement. I do not know how this came about. Because my wife nor I made this change. I did not realize this until last week I got a letter about our payment being past due for several months. The letter said I owed {$100.00}. I called the number in the letter XXXX XXXX to speak with someone. I told her I never received a statement, she said you have paperless statement and I said no I do not. I get paper statements from all store cards we have, XXXX, XXXX XXXX, XXXX, XXXX XXXX. After getting off the phone with this person sure enough it had been changed to paperless. So I checked my emails for a notice for the bill. There were none. I checked my trash for it to see if I made a mistake and trashed the email. I have over 1400 in trash dating back to XXXX of last year. Nothing. I checked my spam. Nothing. My wife bought items around XXXX on line and a purchase in store. So from the first of this year they show me as not paying my bill. Charged me interest fees and late charges. Now when I got on my Kohl 's site and looked at these statements on line I found that I owed {$320.00}. Why wasn't the amount in the letter? I did not get statement for over 2 months. So fees and interest are added each month. If I hadn't gotten on line and paid the {$100.00}, there would be still money there they could charge fees on not knowing the full amount. I mailed a check for the {$320.00}. I always pay off my credit card bills in full to avoid paying interest fees. If our purchases are to great at the time, we do not buy the items unless I know I can pay it off when the bill comes. They get you to use the card saying If you put the purchase on your Kolh 's card you get this extra percentage off. XXXX you in to using it. 
I believe someone in the credit card sector changed our account from paper statement to paperless. Did not send me estatements so they could add interest fees and late fees. Then send a letter saying I'm late on my payment of {$100.00}. But not the total amount of {$320.00}. Why did they not give me the total of the balance? Someone is playing games to generate monies fraudulently. If their doing this to me how many others have they done this to. I will never be using a Kohl 's card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I've lost my income due to coronavirus pandemic and have been calling all of my creditors to try and work something out as well as let them know my circumstances. Every one of  the creditors has had some help to offer so I can avoid affecting my credit score, but One.  Home Depot credit card customer service insisted I make my minimum payment and told me they had nothing set up for Covid-19 loss income relief. I currently have {$510.00} in my bank account with no way of knowing how I will make any money in the near future. Every single creditor should be willing to work with all customers in my situation. Shelter-in-place forced me not to work. What am I suppose to do?

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 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, a credit reporting agency, provides no means of disputing an item on my credit report. For more than a month, their system says they're experiencing technical difficulties when attempting to file an online dispute. There is a toll free number provided, but does not enable a dispute to be filed there either. It is impossible to reach a live operator. 

I want them to remove a hard inquiry that should never been made in the first place. On XX/XX/2020, XXXX XXXX XXXX accessed my credit report via a HARD inquiry. I have never requested any credit from this company. It is simply a collection agency, requesting my report for an alleged original collection more than ten years old. If this company now owns an interest in this alleged 10 year old collection, it should have inquired via a SOFT inquiry, rather than a HARD inquiry. Their improper action has negatively impacted my credit score. 

I have also contacted XXXX XXXX XXXX and they have ignored my demand.

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