vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a significant amount of {$950.00}. This is an outrageous and horrendous amount since I don't owe them that much. I called them and a representative told me this onXXXX. I believe this is coercion because they have also threaten to sue me for the deceptive amount via mail. They have also attempted numerous of times in unwanted times of the day to call me in attempt to collect this fraudulent amount of debt. I believe this is in direct violation to the Fair Credit Reporting Act because of inaccurate amount and the huge count of unsolicited calls made to my personal phone line by this collection agency. They also fail to report the collection to the three major credit bureaus when this account got sold into collections back in XX/XX/2020. This is more than the 90 day period it takes for it be reported as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: GA

Complaint narrative:
Equifax placed a fraud alert on my credit report or some block on my file, I want this block or fraud alert removed and please do not add any alert or fraud alert to my report with out my express permission or with out my consent, I dont appreciate any alert being put in my report with out asking me, that also includes XXXX  and XXXX. No one needs to add or do anything to my report period with our asking while Im in the phone, no rep or supervisor has authority to do that unless they ask me, I want any and all alerts or anything that states block for promotional purposes taking off my report, I want everything that has to do with any alert to be removed from all three credit bureaus and nothing be added unless you talk to me personally on the phone or if I request it thank you, now please remove these alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Sterling Infosystems Inc.
State: GA

Complaint narrative:
My identity was obviously stolen and someone has my social security number. This has caused me to probably lose my job

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 2020-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX  erroneously reported late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over the course of two months, I have been contacting XXXXXXXX XXXX to update my credit report to reflect accurately regarding those payments. I received written letters stating that all three bureaus were updated with correct payment information in XX/XX/XXXX. I continue to file multiple disputes because those incorrectly reported late payments are still there ; every dispute winds up being closed with the determination that " data furnished by provided is correct '' when the data is not correct. Additionally, my family suffered financial hardship and were impacted by Covid-19. We were late on payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had contacted our lender and were assured we would not be reported late nor would we be charged late fees. Well, they did not charge us late fees but they continued to report us late to the credit bureaus despite the fact that we suffered a delay in income because of Covid ( I had just had our XXXX  child and my XXXX pay was delayed because of the overwhelming influx of new applicants to the unemployment/XXXX system ). Please assist to the best of your ability as these remarks are causing significant damage to our credit score.

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 2020-11-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXXXXXX XXXX erroneously reported late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over the course of two months, I have been contacting XXXXXXXX XXXX to update my credit report to reflect accurately regarding those payments. I received written letters stating that all three bureaus were updated with correct payment information in XX/XX/XXXX. I continue to file multiple disputes because those incorrectly reported late payments are still there ; every dispute winds up being closed with the determination that " data furnished by provided is correct '' when the data is not correct. Additionally, my family suffered financial hardship and were impacted by Covid-19. We were late on payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had contacted our lender and were assured we would not be reported late nor would we be charged late fees. Well, they did not charge us late fees but they continued to report us late to the credit bureaus despite the fact that we suffered a delay in income because of Covid ( I had just had our XXXX child and my XXXX  pay was delayed because of the overwhelming influx of new applicants to the unemployment/XXXX system ). Please assist to the best of your ability as these remarks are causing significant damage to our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
Due to Covid 19, we got behind on payments and my car was repossessed. My husband was able to find a new job so I started trying to make small payment to catch up. Less than 24 hours after my car was taken, I called and was told I would have to call back late, because they didn't have any information. The 3rd call I finally was told I had to pay {$2300.00} to bring my account current and the repossession fees. I was willing and able to pay the full balance right then, but was told because my account wasn't old enough with them they would not reinstate my loan. The only way to get my car back was to pay the loan balance in full. This year has been a very new and trying time for everyone, I was owing up to situation. I wanted to catch up my account and continue making my payments on time going forward, but that was not a choice I was given. I am a XX/XX/XXXX and have a daughter with a chronic medical condition so transportation is very important.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: MI

Complaint narrative:
On XX/XX/2020 I had a Chapter XXXX Bankruptcy drop off my credit report. XXXX  and XXXX recognized this an my credit score rose 80+ points. Transunion dropped my credit score by 7 points. I have contacted them multiple time via phone with no explanation as to why as nothing changed in my circumstances. They have failed to recognize the removal of my Chapter XXXX Bankruptcy.

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 2020-11-19 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: NJ

Complaint narrative:
XXXXXXXX XXXX erroneously reported late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over the course of two months, I have been contacting XXXXXXXX XXXX to update my credit report to reflect accurately regarding those payments. I received written letters stating that all three bureaus were updated with correct payment information in XX/XX/XXXX. I continue to file multiple disputes because those incorrectly reported late payments are still there ; every dispute winds up being closed with the determination that " data furnished by provided is correct '' when the data is not correct. Additionally, my family suffered financial hardship and were impacted by Covid-19. We were late on payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had contacted our lender and were assured we would not be reported late nor would we be charged late fees. Well, they did not charge us late fees but they continued to report us late to the credit bureaus despite the fact that we suffered a delay in income because of Covid ( I had just had our XXXX child and my XXXX pay was delayed because of the overwhelming influx of new applicants to the unemployment/XXXX system ). Please assist to the best of your ability as these remarks are causing significant damage to our credit score.

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 2020-11-19 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: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a second dispute letter to Prosper Market Place and XXXX  credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX is still the only credit bureau listed on my credit report while XXXX  and XXXX has since deleted this collection/charge-off from my report the first time around. The account has a balance of {$0.00}. It is well over 30 days and the account still hasn't been updated or 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 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau I had Purchased a XXXX XXXX XXXXXXXX XXXX which was XXXX : XXXX from XXXX XXXX XXXX  and the Address is for XXXX is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX and XXXX made me a Merchant owner for the XXXX XXXX XXXX. However, after purchasing that Merchant website from Mr. XXXX XXXX which was the Senior Marketing Consultant for XXXX XXXX XXXX I realized that the New Business is not making any profit despite my time and effort. In addition, Mr. XXXX XXXX took Electronic Signature from me for the Retail Installment Contract for XXXX XXXX XXXX along with other Initial Signs before I read the Contract Paper Properly including XXXX Disclosure Form, XXXX shipping program rules, and Buyers right to cancel and notice of cancellation. Well Unfortunately the transaction date was XX/XX/XXXX and Mr. JXXXX did not ask me to read the contact paper before he approved the virtual online store finance Amount which was {$2800.00} and XXXX XXXX XXXX Charged my XXXX XXXX Credit Card ending in XXXX {$1200.00} for the down payment of the Retail Contract. 

Moreover, when I requested Him that I am unable to Continue the New Business and I would like to close the New Business he Initially refused but later send me the closing form where I had Signed to close the New Business. The Merchant website was closed and the business was totally closed. However, after two three months of closing the Business I had received the Debt Validation letter Along with the Retail Installment Contract from a Collection Agency Named Monterey Financial Services , XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. Since then they are keep sending me debt validation letter until this year XX/XX/XXXX and they are randomly charging the Interest amount on the Initial retail Installment which was {$2800.00}. 
Also, they had opened a report on XX/XX/XXXX to the XXXX and the XXXX the leading credit Bureau Agencies. Currently on XX/XX/XXXX the XXXX  report showing the collection Amount of {$4000.00} and The XXXX  XX/XX/XXXX report showing the Collection Amount of {$4000.00} I have all the supporting document Retail Installment Contract, XXXX XXXX Merchant Account along with the XXXX disclosure form, Buyers. Right to cancel and notice of cancellation. Including the XXXX Account Closure Form. Please check all the document along with this description letter. 
In Sum, I want to take this collection off from the XXXX, and XXXX Credit Report and Dispute the debt amount from the original Creditor Which was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2020-11-19 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:
XXXX placed a fraud alert on my credit report or some block on my file, I want this block or fraud alert removed and please do not add any alert or fraud alert to my report with out my express permission or with out my consent, I dont appreciate any alert being put in my report with out asking me, that also includes XXXX  and Experian. No one needs to add or do anything to my report period with our asking while Im in the phone, no rep or supervisor has authority to do that unless they ask me, I want any and all alerts or anything that states block for promotional purposes taking off my report, I want everything that has to do with any alert to be removed from all three credit bureaus and nothing be added unless you talk to me personally on the phone or if I request it thank you, now please remove these alerts

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 2020-11-19 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
XX/XX/XXXX {$100.00} was charged on my credit card to XXXX and it was charged by someone with " art deco '' email ... they were able to go into my acct and change my email address

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 2020-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: CA

Complaint narrative:
XX/XX/2020 I received a email from my employer that this unlicensed company is trying to do wage garnishment they are not even a licensed company and they went behind my back to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: MD

Complaint narrative:
There are 3 accounts that are on my credit report that are not legit. Two are from the same place which they are reporting 2 accounts from XXXX XXXXXXXX XXXX, and the other is XXXX for XXXX. 

XXXX XXXX are reporting two accounts that I know are not mine. 

XXXX is reporting me but I do not owe them anything at all. They say they have my account from XXXX. I called XXXX and they said I do not have anything in collection with them. I requested proof from XXXX and the 3 credit bureaus and also requested a detailed description of what I owe to XXXX *I have never heard of a place called XXXX & I never received any proof with my signature acknowledging any account. I have made these requests multiple time 's over the last two years and my requests are ignored.

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 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/2020 I was supposed to get a unemployment deposit and checked my account and it showed that it was on pause. 

several of my payments bounce, resulting in overdraft fees. I contacted the bank and I understood that they were going to reverse the fees. When I double checked they only reimbursed a partial amount of {$8.00} approximately per fee and kept the rest. 

XX/XX/2020 I contacted customer service again, ask for a supervisor and they said that because I had accepted this Arrangement the first time that he would have to forward it to there consumer advocacy Department. 

I explained that it was as a result of covet and that I did not understand that that was the arrangement the woman was providing. She was not clear when I called. 

I am still waiting for unemployment that is pending, even though there is no issues that I am aware of that is holding it up. I would like full reimbursement for the fees that were taken.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
A month and a half ago I was told that my mortgage credit history was not showing on my FICO score. I was told to call and get my mortgage reaffirmed and it would help save a lot of money on my refinancing that I was looking in to. I called Bank of America and asked to have it reported to the agencies and they gave me a " Case '' number for it. I received a letter from them two weeks later and they wanted to know which posts on my history that I disagreed with so I called them and once again told them I simply wanted to have my mortgage history to show on my credit history, making my score much higher, thus saving me a lot of money. They noted my account again and made " profound '' notes to state my desires. I called back two weeks later and they told me that the history would show on my FICO score on the XXXX of XXXX. On the XXXX there was nothing posted and I called again and they told me that they would never post my payments history for the full length of my contract because I had filed for a bankruptcy 10 years ago. The mortgage was never part of that bankruptcy and told them that they had no right to continue to punish me and cost me thousands of dollars because I filed ten years ago. What right do they have to inflict damage on me for 40 years?! This is unfair crediting practices and has caused damage and cost upon me!

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 2020-11-19 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: TX

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I have loan I applied for 60 days ago. i have a XXXX credit score and a DTI of 25 %. i wasnt hearing anything so i called in and was told my dti was too high. I have only one debt ( my mortgage ) and a XXXXk base. i left messages with several managers at Loandepot but i could not get a single call back. all i wanted is someone to explain how the DTI was being calculated but i could not get a single call back. i left voicemails and emails for the loan processor supervisor 3 times and emailed. the loan processor supervisor 's boss. the loan office and the loan officer 's supervisor. no one could be bothered to call me. the last time i spoke with XXXX XXXX she couldnt explain any steps she had taken and just repeatedly told me that i should be just grateful that she called me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 I was helped But as I put an application i got denied I don't want to be homeless with my loved ones and would appreciate if anything can be done to help with me using my credit at the moment

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