vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
This is more of a concern than a complaint against American Express with employees who intentionally misrepresent of payment due dates, past due dates, and possibly back-dating communications sent to card holders to substantiate their action. As of this writing, I do not know if American Express has already filed reports to the three credit bureaus because I was past due by 1 day - which American Express could elongate to 2 or 3 additional days ( since it takes between 24 to 36 hours to post a payment ). Apparently, charges are also frozen until this payment has posted. The last phone conversation was with an American Express employee who explained that I had such a good payment history in the past so that is why I have never experienced this sort of treatment before. And to that I replied something along the lines of I need to stop using my American Express card and figure a way to pay off my remaining balance. The customer representative was glad to say " good bye '' and I think I would too be happy to say good bye to American Express as well after 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: GA

Complaint narrative:
I have asked experian to remove the bankruptcy from my credit report it says on my report that experian received the information from the bankruptcy court but the bankruptcy court dose not report to any credit reporting agency

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 2020-03-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
it been over 60 days and two tries and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I called XX/XX/2020 about an unauthorized transaction on XX/XX/2020. Merchant name is XXXX. Took {$250.00} out of my account and I do not have any involvement with this merchant nor have I ever had an account with them. My card has been used without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Please review the information provided and understand that I am a victim of fraud and misrepresentation. I have paid the outstanding amount that was borrowed within the timeframe that was explained to me. Currently, I am experiencing hardship because I am located in a FEMA designated disaster area and I am asking for you to review this interest charge and waive it. My original purchase date was XX/XX/XXXX, when I spoke with the representative at the store I was assured I had exactly 12 billing cycles to pay off the balance before the interest is charged for the year. According to my last statement, the interest was charged on XX/XX/XXXX. My payment due date for the last statement was XX/XX/XXXX. The salesperson at XXXX has engaged in blatant fraud and misrepresentation of your terms and did not provide any documentation as we signed on the pin pad for the agreement. We were told the packet with terms and conditions would be mailed but it was never received. 
Given the situation, we were calculating the payments based on the promised 12 statement cycle period. The original purchase was XX/XX/XXXX which was included in the XX/XX/XXXX statement. We paid our XX/XX/XXXX statement in full. The statement had an expiration date for the promotion of XX/XX/XXXX which was 5 days before the end of the statement cycle. The statement did not specify we have to pay the balance before the statement actually ends on the XXXX. We spoke to multiple supervisors who were very rude, including supervisor XXXX ID XXXX regarding this issue and they stated that they did not care about misrepresentation, fraud, or the 12 statement cycles we were promised and did nothing to help rectify this situation. Please understand my predicament, this was a simple mistake based on the information provided by the salesperson and the lack of definitive payment due dates that are missing from your statements. Moreover, a check was mailed to their company on the XXXX of XXXX. I provided TD with the check number and all the details and they are claiming that my check was lost. How convenient for the company to lose my check and charge me 30 % interest. Also to be noted, when I signed up for the card, I was never given, read or provided any disclosures. I also have not received them later in the mail. I had to call the bank and ask for instructions so I may be able to make payments online at least because I didn't even have my account number. Moreover, the bank closed my account unilaterally ( presumably because their partnership with the store ended ) but I was never notified about that until I pulled up my credit report and noticed that the account shows as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
I had past issues with Mortgage Solutions of Colorado, LLC. Specifically XXXX XXXX, and XXXX XXXX dating back to XXXX of 2018. 

I noted their disclosures/closing costs were extremely high, but was urged to sign to keep the process moving. Eventually, I was able to cut ties and close through another lender at 1/4 the cost. I put everything behind me ; however, I was recently contacted by XXXX regarding a refinance. He professionally referred to me as a XXXX off During the lending process, they denied my COE, claiming I fraudulently altered it and told me I was a liar. It was then determined that their administrative personnel did not correctly request my COE. I contacted the VA, and it was confirmed that no requests were made through the portal by mortgage solutions. I have emails of correspondence to support this, but majority of the discussion was held by phone in XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: MN

Complaint narrative:
Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX toXX/XX/XXXX. 

Late payments were not removed from the company or any of the credit bureaus.

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 2020-03-28 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: MN

Complaint narrative:
Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX toXX/XX/XXXX. 

Late payments were not removed from the company or any of the credit bureaus.

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 2020-03-28 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank is charging me {$590.00} for a service that was cancelled prior to the event.

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 2020-03-28 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Re-doing this. 2nd try. Citizens One. formerly RBS. I have had a credit card account with them for years. I charge items every month and pay the full balance every month. Thus I avoid interest charges. 
Recently they changed their website causing confusion as follows. 
I get an email saying my statement is ready. I log on and get a message that no payment is due at this time. 
Today I logged on and was surprised by my balance and began to drill down into the individual charges and discovered an approximately {$41.00} interest charge for XX/XX/2020. 

Previously their e-mail notification and log-on took you to what you charged, what you owe and when it was due. 
I called them today and was told by a rep that the " you owe nothing at this time '' message is because at some point you have made a minimum payment and that you have to continue and look at your charges to determine what your owe, or to that effect. 

I attempted to resolve this issue by telephone which involved an UNBELIEVABLE hold time, ( even with Covid ), asked for a supervisor, and was transferred to another person after a long time who could not resolve, and identified as the same rank as the person I dealt with initially.. Cit1 has  no e-mail or chat for resolving problems that I can see to preclude endless hold times. 
I can't be the only person who is getting hoodwinked by their website message '' no due at this time '

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020, I ended the day with an available balance of {$1000.00} in my checking account On XX/XX/2020, I made a payment of {$1000.00} to pay my credit card On XX/XX/2020, I was charged a Non-Sufficient Fund fee of {$38.00}. When I called in to inquire about this fee, I was told that a hold was put on my check deposit so even though the display balance was {$1000.00}, my actual balance was only {$500.00}. The agent offered to waive the fee and I accepted. I confirmed that this time my available balance was the full amount {$1000.00} On XX/XX/2020, I tried to re-make the same payment of {$1000.00} to my credit card. I double checked that both my available balance and my posted balance was {$1000.00}. After I made the payment, the balance dropped to XXXX On XX/XX/2020, I was again charged a Non-Sufficient Fund fee of {$38.00}. BBVA seems to engage in deceptive practices of charge NSF fee when not applicable, or purposely hides the true balance of an account so customer would incur NSF fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Have Checking Account with TD bank Unauthorized fraudulent activity notified TD bank unable to contact XXXX  or XXXX  XXXX. 
These are the following transactions All pending {$51.00} XXXX  XX/XX/  {$6.00} XXXX  XX/XX/ {$37.00} XX/XX/XXXX{$14.00} XXXX  And XXXX  XXXX XXXX   {$200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days. I have yet to received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
it been over 60 days and two tries and nothing

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 2020-03-28 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: SC

Complaint narrative:
it been over 60 days and two tries and nothing

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 2020-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I have been trying to reach to Mr. Cooper now to discuss my options in regards to my loss of income and the XXXX XXXX issues I am experiencing. I have reached out several times to only be on hold for over 3 hours with nobody answering or no system in place to leave information. They are truly just shutting their eyes and not doing their job by dealing with their customers and FHA customers. Realizing there have been FHA mandates put in place they still refuse to be available to talk to or communicate with. We as a family are beyond fed up with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days. I have yet to received any investigation results.

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 2020-03-28 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: NJ

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days. I have yet to received any investigation results.

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 2020-03-28 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: GA

Complaint narrative:
in 2019 a lady stole my Identity from her job. I was given min, information about her. I did have to sue the company and they had to prosecute her. She made a fake Id with all my info. obtained loans, lines of credit, credit cards, and student loans for the most part. She had worked with them some years stealing over 20 peoples info. I also have 2 accounts one with XXXX and one with XXXX XXXX  the attachments are here. XXXX I was an AU on my sons account and XXXX it was reported closed on my line of credit and it is not. I also have a XXXX  card that was removed due to the fraud and applied back on my account recently. I never had a XXXX  card acct number XXXX for {$27000.00} I have 1 XXXX  that I do not want you to touch which is for {$1000.00}. After my case the judge granted that I was not liable. XXXX XXXX COLLECTION PURCHASED THE DEBT AND REPORTED IF AFTER IT WAS VALIDTED NOT MINE. THE LADY OPENED THE ACCOUNT WITH THEM THE ACCOUNT NUMBER IS PA XXXX ... THAT NEEDS TO BE REMOVED IMMEDIATELY AND BLOCKED. I just got the fraud alerts off so I can purchase my home and all this stuff happened back to back preventing me from closing. If you look at my files I pay everything on time! I need these removed immediately. FTC ATTACHED, MY REAL ID 's attached, ss card attached, the thief 's fake Id attached, bill attached, police report, ftc, XXXX letter and XXXX attached and notary attached. I live 6 months in XXXX  and 6 months in XXXX. my job has been like that for 3 years.

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 2020-03-28 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: GA

Complaint narrative:
in 2019 a lady stole my Identity from her job. I was given min, information about her. I did have to sue the company and they had to prosecute her. She made a fake Id with all my info. obtained loans, lines of credit, credit cards, and student loans for the most part. She had worked with them some years stealing over 20 peoples info. I also have 2 accounts one with XXXX and one with XXXX XXXX  the attachments are here. XXXX I was an AU on my sons account and XXXX it was reported closed on my line of credit and it is not. I also have a XXXX  card that was removed due to the fraud and applied back on my account recently. I never had a XXXX  card acct number XXXX for {$27000.00} I have 1 XXXX  that I do not want you to touch which is for {$1000.00}. After my case the judge granted that I was not liable. XXXX XXXX COLLECTION PURCHASED THE DEBT AND REPORTED IF AFTER IT WAS VALIDTED NOT MINE. THE LADY OPENED THE ACCOUNT WITH THEM THE ACCOUNT NUMBER IS PA XXXX ... THAT NEEDS TO BE REMOVED IMMEDIATELY AND BLOCKED. I just got the fraud alerts off so I can purchase my home and all this stuff happened back to back preventing me from closing. If you look at my files I pay everything on time! I need these removed immediately. FTC ATTACHED, MY REAL ID 's attached, ss card attached, the thief 's fake Id attached, bill attached, police report, ftc, XXXX letter and XXXX attached and notary attached. I live 6 months in XXXX  and 6 months in XXXX. my job has been like that for 3 years.

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 2020-03-28 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: IL

Complaint narrative:
I've submitted proper documents to Experian, XXXX and XXXX   showing I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they repsonding. This is impacting my score and life.

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 2020-03-28 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MO

Complaint narrative:
Lexus Nexus refuses to send me a copy of my consumer report. They Hang up on me, refuse calls, never send report as promised, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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:
I've submitted proper documents to XXXX, Equifax and XXXX   showing I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they repsonding. This is impacting my score and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: TX

Complaint narrative:
I've submitted the proper documentation to Experian, XXXX  and XXXX   showing that I've been the victim of identity theft. Nothing has been fixed or removed from my credit. This is impacting my score and personal life.

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