vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-15 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
XXXX XXXX XXXX is showing and Inquiry on my credit profile and I didnt apply for any card. Barclay on  XX/XX/XXXX and XX/XX/XXXX and XXXX on XX/XX/XXXX my phone may have been hacked or my PC. Im honestly not sure at this point.

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 2020-03-15 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: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX is showing and Inquiry on my credit profile and I didnt apply for any card. XXXX on XX/XX/XXXX and XX/XX/XXXX and Macys on XX/XX/XXXX my phone may have been hacked or my PC. Im honestly not sure at this point.

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 2020-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Thank you for your time in reading this complaint. 

I have maintained a XXXX XXXX account since XX/XX/XXXX. I have never had a missed payment. I experienced a hospitalization due to emergency XXXX at the beginning of XX/XX/XXXX and was out of the country for the last ten days of XX/XX/XXXX and the first six days of XX/XX/XXXX. 

XXXX maintains that I did not make an autopayment and this is showing as a 30-day late payment on my credit report. I had no knowledge of a missed payment as I received confirmation of each payment. I called XXXX on or about XX/XX/XXXX upon returning to the country when I went online to view my payment history and learned that autopayments had not been made even though my payment history on their online portal reflects that the payments were made ( Ex. 1 ). 

I made an online payment for {$340.00} on XX/XX/XXXX and XXXX sent me confirmation that the payment was made ( Ex. 2 ). I assumed that the payment was made and that I had no late payments but, unbeknownst to me, XXXX never actually debited my bank account even though they sent me the confirmation set forth in Ex. 2. I then made an additional payment on XX/XX/XXXX ( Ex. 3 ). 

I viewed my credit report on XX/XX/XXXX and learned that XXXX shows that I have a missed payment. This would never have happened had XXXX not sent me an email confirmation that the XX/XX/XXXX payment was made ( Ex. 2 ). I have signed up for paperless statements and expect to receive all notifications regarding my account through email or alerts on my account. I never received any email, account notification or regular mail alerting me that the fund were not actually withdrawn from my account. I relied on their email confirmation and assumed that the amount was paid this was not an autopayment, this was me proactively going online, entering bank account information and making a payment. 
I now have a missed payment on my credit report for the first time. This has caused my credit score to plummet by 60+ points overnight and will have drastic impacts on my life. I would never have experienced this had XXXX actually drawn down the funds they confirmed they drew. I relied on this confirmation, was never provided with notice that this was not true, and have suffered harm because of this. 

I have one simple request that XXXX have this late payment removed from my credit 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 explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Innovate Managed Holdings, LLC
State: AL

Complaint narrative:
I am writing because I wrote a while back that this company was trying to charge me an additional XXXX on a loan that was supposed to be over in XX/XX/XXXX of this year. I over paid in XX/XX/XXXX by XXXX so that I would have a break from payments. I recieved a bill saying I owed for XX/XX/XXXX. I should not owe again until XX/XX/XXXX because I made a over payment. I paid XXXX in XX/XX/XXXX. Now in the new bill this company is saying I owe an additional XXXX +XXXX. They claimed that I agreed to 28 % interest plus the finance charge of over XXXX. Even if that was the case there is no way that from XX/XX/XXXX to now I accrued XXXX in interest. There is no way interest jumped up that high. My original loan terms was that it would be over in XX/XX/2020. Instead of the XXXX for the car that I was told I was to pay ... now I would have paid over XXXX dollars for a XXXX car. The dealer that sold me the car said the paperwork was damaged in a flood.this company really needs to be investigated for their fraudulent billing practices. At this rate I will never get through paying off the loan because the interest is jumping up by the hundreds.

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 2020-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Utah System of Higher Education
State: FL

Complaint narrative:
I have a Total of 20 Missed Payments but in the past, I asked to be put on deferment and in the past, I was searching for work in the career I studied for. At that point, I shouldn't have these missed payments as I had studied while also putting the loan on deferment to be on good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX my cashapp account had got locked for " suspicious activity " when I tried to transfer my funds to my bank as usual. I contacted customer support thru email and never got a response other than an automated message. More research was done and I had found out they were active on XXXX   with solving issues. Contacted the support team there and got my issue solved asap. When I went to withdraw my funds a second time my account got locked again for no reason contacted the support team and never got anymore help beyond this point. I have contacted them through countless emails XXXX messages and can never get a response. {$500.00} is a lot to me and I just dont know what to do anymore people all over is having issues with this company they dont even have a proper customer service line set up for anyone to call just XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION
State: OK

Complaint narrative:
I obtained a consolidation loan from one main financial in XXXX Oklahoma which was secured with XX/XX/XXXX XXXX XXXX pickup fully loaded I lost my job in XXXX slow down and upon repossession of vehicle was notified I could have personal items from pickup when I paid them in full possessions in vehicle was things such as birth certificates my sons and my own lots of tools and XXXX fittings of my own plumbing fittings for pex pipe tools and plumbing fittings costs approximately XXXX costs of XXXX fittings approximately XXXX not to mention loss of transportation and missing our vital records left us in even more of a bind some things can't be replaced things belonging to my grandchildren it's not right for any company to do these things should never be ransomed in order to get personal things back and held like a XXXX for money they knew I could not afford to repay lost everything soon after including house

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
This issue pertains to Alliant Credit Union ( Charter Number XXXX ) with address XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, lL XXXX p : XXXX f : XXXX alliantcreditunion.com My member number is XXXX. 

Their compliance department sent me physical mail indicating the following : " In accordance with Illinois Statue 205 ILCS 305/15 ( 3 ) allowing for member expulsion, more than 2/3 of members present at the annual meeting of the members voted to expel your membership. Therefore, pursuant to Section 22 of the Alliant Membership and Account Agreement, your Membership will be terminated on XXXX. '' The problems with this are as follows : 1. There is absolutely no detail on the credit union 's website nor were any letters sent pertaining the annual meeting such as ( a ) when it will occur ( b ) where it will be held ( c ) the agenda 2. According to Illinois Statue 205 ILCS 305/15 ( 3 ) :  " ( 3 ) Any member may be expelled by a 2/3 vote of the members present at any regular or special meeting called to consider the matter, but only after an opportunity has been given to the member to be heard. '' With regards to the statue above, I was never given an opportunity to be heard during deliberation regarding member expulsion. No attempt was made to contact me via email, telephone, nor physical mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage was assumed by New Rez effective XX/XX/XXXX from XXXX. I was contacted by the new company and told it would be a good idea to refinance at this time. I have dealt solely with XXXX XXXX. LO / AE NMLS # : XXXX via phone and email. I told Mr. XXXX what I wanted to accomplish through a refinance and what I was willing to pay. He assured me the numbers would work and we proceeded. I was told I had to have a home inspection paid for out of pocket. I paid for the home inspection. I was given the impression the paperwork would be sent to me quickly. I took multiple weeks and when arrived, the new loan is for a payment I could never afford almost {$400.00} more than I currently pay and at a higher interest rate than I currently have. I made it very clear that I would not be interested in refinance without it bringing down my interest rate and not changing my monthly payment more than {$100.00}. Mr. XXXX assured me this was how the loan would look. During this long process I have also managed to bring up my credit score 40 points so there is no reason on my end for the interest rate to have gone up. I feel they misrepresented what they were offering and cost me the money for the home inspection. I could have applied that to another debt that would have positively impacted my credit score further. Now I am out {$500.00} and have not successfully refinanced. This is very sad to me. XXXX was enough of an issue but to now be sold to an unethical company I am worried about the future of my mortgage. 

I have attached the email telling me I had to have the appraisal and the fee associated as well as the first document sent to me showing 3.75 % and the final document showing 4.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a pending transaction notice to my checking account on XX/XX/2020 at XXXX XXXX  from a company listed as TU *TRANSUNION . The phone number listed was XXXX. XXXX the number took me to some sort of credit site. Im XXXX. I dont have credit yet. This is an unauthorized pending xharge.

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 2020-03-15 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: MN

Complaint narrative:
Since XXXX of 2019 I have been trying to correct fraud on my credit profile held under Equifax. 
I have sent disputes every month for accounts on my credit profile that arent mine. 
XXXX  XXXX and XXXX have all deleted the same accounts for fraud and they couldnt verify the information. Equifax continues to send letters stating the accounts are verified as accurate and when I ask for Method of Verification they dont respond to those letters and multiple disputes they dont respond in the 30 days required under the FCRA. 
I have sent police reports, filed and sent FTC reports, and have completed all the tasks needed from Equifax to remove these accounts. 
They have stated in letters that item is verified as accurate and that every credit bureau has policies and procedures to remove items and just because other credit bureaus have removed items due to fraud doesnt mean they can. Every credit bureau has to follow the Fair Credit Reporting Act and Equifax continues to not follow them. 
Equifax removes these fraudulent accounts : 1. Us DEPT of Edu/XXXX ( Account Number : XXXX ) 2. XXXX/XXXX  ( Account Number : XXXX ) 3. XXXX/XXXX  Account Number : XXXX ) 4. XXXX - XXXX XXXX XXXX  ( Account Number Unknown- Alleged Balance is {$42000.00} Charged- Off )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.

Complaint narrative:
I moved house and called Equifax to update my address. The next day my score dropped from over XXXX to XXXX due to not being on the Electoral Roll, but a further marker appeared stating my repayment conduct is poor. All of my credit accounts are up to date and I have not missed any payments. I called Equifax several times in XXXX and then filled a complaint on XXXX XX/XX/2020. I received an email on XXXX XXXX saying they needed more time and a new complaint was created under my profile. I have no idea why? I again called Equifax on XXXX XXXX and was told somebody from the Complaints team would call me back. Four days has now passed and I still havent received a call. I pay XXXX per month for this service. I currently can not apply for any credit agreements and need to purchase a car as I receive a monthly payment from my employer rather than having a company car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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:
Saw this morning on all 3 credit reports an account that dont belong to me. Never opened. Have no knowledge of. XXXX XXXX needs to be deleted off. This is fraud identity theft. I have a fraud alert on file on all 3 credit bureaus. Also have security freeze. No one called the number on my fraud alert. To try to get this loan. This loan was not open by me nor was open to anyone I know. I did not give Permission To anyone to act in my name or give my personal information to anyone. There is no inquiry from this company on my reports. Please block take off delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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:
Saw this morning on all 3 credit reports an account that dont belong to me. Never opened. Have no knowledge of. XXXX XXXX needs to be deleted off. This is fraud identity theft. I have a fraud alert on file on all 3 credit bureaus. Also have security freeze. No one called the number on my fraud alert. To try to get this loan. This loan was not open by me nor was open to anyone I know. I did not give Permission To anyone to act in my name or give my personal information to anyone. There is no inquiry from this company on my reports. Please block take off delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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:
Saw this morning on all 3 credit reports an account that dont belong to me. Never opened. Have no knowledge of. XXXX XXXX needs to be deleted off. This is fraud identity theft. I have a fraud alert on file on all 3 credit bureaus. Also have security freeze. No one called the number on my fraud alert. To try to get this loan. This loan was not open by me nor was open to anyone I know. I did not give Permission To anyone to act in my name or give my personal information to anyone. There is no inquiry from this company on my reports. Please block take off delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched Credit Report USAA account XXXX opened XX/XX/XXXX TRANSFER/SOLD date closed XX/XX/XXXX USAA REPORTED XX/XX/XXXX * INACURATE REPORTING. PER MY RECORDS I HAVE NEVER HAD THIS ACCOUNT XXXX USAA SOLD TO COLLECT. Send my Original Written Signature of this debt of XX/XX/XXXX Reported Sold XX/XX/XXXX OR REMOVE IMMEADETLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched Credit Report USAA account XXXX date opened XX/XX/XXXX reported XX/XX/XXXX. My records do Not show I Applied & Authorized this Account. Please send My Original Written Signature to Verify I Applied & Authorized this debt or Remove IMMEADETLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
on XX/XX/2014 purchased car with spouse car was returned volunarly. which still was a repossession.reported as of XX/XX/XXXX as closed at a XXXX balane activity transfer or sold.i contacted the dealer, was told the car was sold.no information was given.this account is closed,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
By end of last year, i noticed an inquery on my XXXX reported by Dsnb/bloomingdales Dated : XX/XX/XXXX. 

I have not known or applied for any of the cards from them, so I initiated a dispute with XXXX  on XX/XX/XXXX. Then they directed me to the reporter. I also called the reporter, and their agent told me he can not find any records based on my ssn, and gave me instructions to fax in a request the have it removed. 

So, I sent two letters to the reporter through fax to XXXX both on XX/XX/XXXX and XX/XX/XXXX. However, I have not received any response since then. 

The unauthorized inquiry is remaining 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 explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XX/XX/2020 I was alerted by XXXX  through XXXX XXXX that through XX/XX/XXXX-XX/XX/2020. That SYNCB/PAYPAL added an hard inquiry to my credit report. Yes, the account was open. But I never made transactions. It was an open account with no activities. It is unfair that they added this on my credit and lowered my credit score through XXXX. 
I have completely closed this account. And I would like this removed from my credit 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 explanation
Consumer complaint received 2020-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
upon checking my credit score came across inquires that I didn't reconized and did not authorize.tried to contact company. no response.

Company response to consumer: Closed with explanation