vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I purchased a computer with a citi bank/Best buy credit card in XXXX and paid it off within the promo period in XXXX, my account was hacked and there were several fraudulent purchases. Eventually the charges were removed and I closed the account. Now, I'm having issues buying a home because they are still reporting late payments from XXXX on my credit bureaus. Ive called Best Buy numerous times over the last 3 months to get this resolved. Nothing has changed on my credit report and they refuse to provide a letter stating that there were no late payments. They directed me to have the lender call for a verbal confirmation but wouldnt provide a direct number.

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 2020-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
please remove any Security freeze Fraud ALERTS OR FRAUD FREEZEOR PROMOTIONAL BLOCK FROM MY CREDIT REPORT. NEVER REQUESTED ANY OF THOSE TO BE ON MY REPORT

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 2020-07-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
please remove any Security freeze Fraud ALERTS OR FRAUD FREEZEOR PROMOTIONAL BLOCK FROM MY CREDIT REPORT. NEVER REQUESTED ANY OF THOSE TO BE ON MY REPORT

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 2020-07-23 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: MI

Complaint narrative:
XXXX, XXXX  and Transunion have invaded my right to privacy by reporting false, inaccurate and fraudulent information which has directly ruined my reputation as a Consumer as neither credit reporting agency, hereinafter 'CRA XXXX, have adopted reasonable procedures to maintain my confidentiality which is in direct violation of 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). An identity theft report was created with the Federal Trade Commission on XX/XX/2020 and the above listed CRA 's were each notified between XX/XX/2020 and XX/XX/2020. Two out of five accounts there were reported as fraud have since been removed as of XX/XX/2020 however, the remaining three accounts opened in fraud still remain and are being reported without my consent as a consumer.

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 2020-07-23 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: MI

Complaint narrative:
Equifax, XXXX  and XXXX  have invaded my right to privacy by reporting false, inaccurate and fraudulent information which has directly ruined my reputation as a Consumer as neither credit reporting agency, hereinafter 'CRA ', have adopted reasonable procedures to maintain my confidentiality which is in direct violation of 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). An identity theft report was created with the Federal Trade Commission on XX/XX/2020 and the above listed CRA 's were each notified between XX/XX/2020 and XX/XX/2020. Two out of five accounts there were reported as fraud have since been removed as of XX/XX/2020 however, the remaining three accounts opened in fraud still remain and are being reported without my consent as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-07-23 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
When Covid hit my wife and I looked into mortgage payment deferral with Wells Fargo. She was temporary out of work. But we did not sign up for it! We continued making our payments and discovered we had Forbearance on our credit from Wells Fargo. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!! We have never been late or missed a payment!

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 2020-07-23 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been receiving rude threatening calls out of Georgia, USA by a company by the name from Mediation Department at XXXX XXXX XXXX. This agent by the name of XXXX XXXX at XXXX Ext. XXXX ; XXXX has been calling my wife ; my son ; and my self for the last two weeks. This person claims that they are collecting debt on behalf of Best Buy, and that I owe over {$2000.00} worth of purchases on my Best Buy account. This person threaten me with legal ramifications if I did not make payment. She has my address ; phone number ; and last four digits of my Social Security Number. She said that if I refuse a complaint would be filed in XXXX XXXX County, CA ; and that I would have 25 % of my income garnished. She was abusive and I told her on the call that it was illegal for her to be contacting anyone in my family without validation. I immediately reached out to Best Buy Credit Card Department and reporter this caller as a fraud. Per the agent at Best Buy, I do not owe Best Buy anything, in fact, I do not have any credit card issued from Best Buy to my name. I contacted Best Buy at XXXX they emphasized that I don ' t owe anything and that I contact local law enforcement. Those are all the facts I know.

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 2020-07-23 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: NV

Complaint narrative:
When Covid  hit my wife and I looked into mortgage payment deferral with XXXX XXXX. She was temporary out of work. But we did not sign up for it! We continued making our payments and discovered we had Forbearance on our credit from XXXX XXXX. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!! We have never been late or missed a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a flight scheduled from XXXX  to XXXX to XXXX  on Monday XX/XX/2020 ( Departure Flights : XXXX XXXX and XXXX XXXX. Return Flights : XXXX XXXX and XXXX XXXX ). Due to COVID-19, my flights were cancelled by the airline, XXXX. I booked my flight through Chase XXXX for XXXX XXXX  Rewards points ( a {$510.00} USD value ). I called Chase XXXX  on XX/XX/2020 and asked if I could receive a refund instead and they got in touch with XXXX on my behalf. After several calls, I was finally notified by Chase XXXX through email on XX/XX/2020 that XXXX had denied my request for a refund and that I was only given a flight voucher. I was told that the airline 's policies did not allow them to give a refund. The airline 's policy was to simply give travel vouchers to passengers of cancelled flights. According to a notice published by the U.S. Department of Transportation on XX/XX/2020, " airlines have an obligation to provide a refund to a ticketed passenger when the carrier cancels or significantly changes the passengers flight, and the passenger chooses not to accept an alternative offered by the carrier. '' Additionally, the notice states that " Ticket agents are required to make 'proper ' refunds when service can not be performed as contracted on a flight to, within, or from the United States . '' XXXX 's refund policies clearly violate their obligations to provide ticketed passengers refunds when they cancel flights. My flights originating from the US and arriving to the US were cancelled, and XXXX and Chase XXXX  are both denying me a proper refund for services that were never carried out. I do not want a flight voucher and I made this very clear to the Chase travel agents as well as to XXXX. Since I booked my flight using Chase XXXX  Rewards points through the Chase XXXX portal, I am unable to file a dispute to get a refund for a service that I was never provided. Additionally, Chase XXXX has been of no help and has chosen to defer to the airline 's policies despite having the ability to refund my XXXX XXXX Rewards points to my account. Chase XXXX Rewards points are part of a financial institution and function as cash since they can be used to book travel, pay for credit card statements, and be redeemed for cash. Chase should be held accountable as a financial institution for the following two reasons : 1. Not providing me refund of my XXXX Rewards points 2. Not having a mechanism in place to dispute charges for fraud or services not rendered when using rewards program points that function as currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX ( today ) I tried to transfer money from my American PNC account to my XXXX card and it said PNC " Prevents transfer of money to different accounts ''. This is ridiculous and ive never had this problem before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I was with Chase bank for 15 years My husband fell ill and needed my physical assistance. This illness eventually led to his XXXX. As a result we suffered some monetary loss. We fell behind on our payments but each time was able to reinstate our loan. I notices we were being charged for items not on my bill so I would question Chase Bank and after the loan was reinstated a few months later they would mail me a check. One of the most current times is the forms I have uploaded. I have uploaded the documents to illustrate how the fees would change for the same purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I filed a complaint. Trans Union did and 'Investigation ''. They came back with " Verified as Accurate, but updated as Payment Received ''. THIS CAN NOT BE. The Payment was made to the ORIGINAL and ONLY creditor XXXX XXXX, as shown in the provided document, LONG before this so called company is trying to " collect ''. It was paid in XXXX of XXXX and it says they obtained in in XXXX of XXXX, so how can they mark it as PAID to a company I NEVER OWED??? THIS IS FRAUD! I want this removed NOW! Is is NOT ACCURATE. You can not pay off an " original creditor '' and ADMIT THAT, then mark it on someone's report as PAID to a FRAUDULENT DEBT COLLECTOR! REMOVE THIS COMPANY 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 2020-07-23 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a checking account with XXXX XXXX ( back when that's what it was called ), my husband was not on the acct initially but I added him when my health dictated I wouldn't always be able to get there. At one point they called me and asked if I would like to have overdraft protection and I said no, I did not, I wanted the charges so I would be motivated NOT to get them. Then I got something in the mail a few months later and it was a bill for overdraft protection. I took it to the bank and asked why I was getting it, they said, because you have o.p. I repeated that I did not have it, I'd declined it and the branch manager looked it up and said, yes, I see right here that you said no, however we called your husband and he said yes. so I said I would pay the checks but not those fees. A few years later I was taken by them to small claims court and my husband went in my stead as I was too ill to go. The case was found that I do not have the income to pay this back as I only have XXXX. The bank charged it OFF but has continued to add up fees. I am not going to pay XXXX in fees but have again told them I will pay the XXXX and change when they provide me with a letter stating that this has been an accepted agreement with them. They would NOT speak to my husband as he was NOT on the o.p., but neither was I, and though they've told him repeatedly that they wouldn't speak to him they HAVE been speaking to them. I have tried to as well and the phone call convienently gets dropped constantly. I asked them for proof of my signature on a promissary note and they said they don't provide that to the customer, they also wouldn't send me anything stating that this account is in dispute. They are making it virtually impossible for me to pay what I owe which is the checks and their associated fees ( the insf fee ) yet KEEP racking up finance charges, I've also NEVER received anything from them stating they are still charging fees. They've got me between a rock and a deceptive, fraudulent place and I need assistance with them to pay them what I owe and get the credit report reported to honestly. please help me, thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I am a new customer of Hyundai Finance and my first payment on my car loan was scheduled to be due on XX/XX/2020. I called Hyundai Finance on XX/XX/2020 to request that the due date be change to the XXXX of each month to match when my husband and I get paid. I spoke to XXXX who informed me that the requirements to changing the due date where ( 1 ) Loan must be current ( which it was on XX/XX/XXXX ) and ( 2 ) Change can only be done twice in the life of the loan ( which this would have been the first change ). Since I qualified for the payment due date change, XXXX advised me there would be no problem and the due date was changed to XX/XX/2020 and to the XXXX of each month there after. 

We presumed that the due date had been changed as XXXX confirmed until we received an email on XX/XX/2020 that my loan was now past due. I called Hyundai Finance on XX/XX/2020 after receiving that email, I was given conflicting information that the request was still in progress, that the change was not processed, etc. I was transferred no less than 5 times, put on hold for several hours cumulatively. I was finally transferred to a Supervisor by the name of XXXX ( # XXXX ) who did not care what XXXX had ensured me had been done on XX/XX/XXXX, informed me that now no change could be made to the due date because the account was now one day past due and therefore not current and informed me that a due date can never be changed to the XXXX of the month. I was brand new to this company, called on XX/XX/XXXX way before the due date, and requested and was granted a due date change to the XXXX of each month by XXXX. I relied on that fact and now I am being penalized that XXXX did not do his job right and I relied on it.

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 2020-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE AUTO LOAN. 
MY AUTO LOAN IS OVER THE 11 YRS OVER STATUE OF LIMITATION. THE VEHICLE WAS REPOSSESSED AND CHARGED OFF OR PRIOR COLLECTIONS LOAN ; WITH AN UNPAID BALANCE. LOAN IS NOT REFLECTING ON MY CREDIT REPORT OR CREDIT SCORE.  CONTACTING COMPANY I AM LEAD TO UNDERSTAND THAT THE AUTO LOAN HAS A BALANCE AND RIGHTFULLY I'M OBLIGATED TO PAY THE BALANCE. I WOULD BE NAIVE TO MAKE A PAYMENT ; RESTARTING A CHARGE OFF OR PRIOR COLLECTIONS LOAN. QUITE FRANKLY, I GOT VERY ILL AND LOST MY XXXX AND AT SUCH DON'T REMEMBER ANYTHING ABOUT IT. THE PROBLEM I HAVE IS THAT I HAVE HAD A CREDIT CARD WITH THE SAME COMPANY NOW FOR QUITE SOME TIME, THIS AUTO LOAN NEVER SHOWED ON MY DASHBOARD. I RECENTLY APPLY FOR ANOTHER CREDIT CARD FROM THE SAME COMPANY. I RECEIVED IT, NOW THE AUTO LOAN SHOWS UP ON MY DASHBOARD. CALLING THEM THE EXCUSE IS THAT THEY HAVE REPLACE TO A NEW SYSTEM WHICH NOW ACCOUNTS FOR THIS UNPAID LOAN. I JUST WANT TO PUT THIS AT REST, ALTHOUGH IT'S NOT ON MY CREDIT REPORT. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I was out of the country for over 105 days. and my automatic payment with XXXX XXXX was missed. XXXX XXXX and TD Bank sent me a letter of this not an email which would have allowed me to reinstall the insurance. TD bank charged me at the rate of {$350.00} per month when my normal home insurance was {$60.00} a month. They charged me the insurance in arrears as the period had already happened, Insurance cancelled XX/XX/2020, I returned to see the mail XX/XX/2020and I will pay this black market rate or never clear my mortgage. This is insurance usuaryand is unacceptable. 
Upset I went to pay off my mortgage on XX/XX/XXXX less the insurance charge. Today XX/XX/2020 I find they have not credited my mortgage payment yet, my bank account balance was deducted immediately.. Even though I paid the full mortgage balance plus accrued interest through XX/XX/XXXX, I find they are still charging me interest on the full mortgage balance through XXXX. I believe this to be illegal. Covid 19 allows the bank excuses the call center phones are backed up, TD '' s mortgage section can not give you a true payoff, and they can only correspond with the mortgage originator not talk to them and they work for the same company. This kiting practice should be investigated.

Company response to consumer: Closed with explanation