vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discovercard refused to verify me so I could activate my new card instead they used their trust and safety, department claiming that I need a phone number that is part of public record which is complete nonsense and none of the credit card companies have ever done this with requiring a phone number to be public record. 

Theres plenty of documentation to verify the consumer if Discovercard truly wanted to but they chose to give me the run around and it took countless calls and complaining about The lack of service provided to me. I dont appreciate people purposely impeding on my civil/financial rights to access credit. 

I had to threaten Discovercard with legal complaints just to get them to at least wan na verify me as a consumer this is clearly blatant discrimination and harassment. Incredibly XXXX illustration of denying women credit and men dictating and deciding if a woman should have credit or not- please note the decision was already made clearly I qualified for the card but now they dont want me to use it- its fine this is another example of performance and facts that dont matter it is the whims of egotistical men and their idiotic ideas- happy my credit is good and my payments are on none of that matters to Discover its about denying access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
XX/XX/2019 divorce was final. 
The credit cards that are showing on my report are not mine. 
They were ex spouses accounts only. 
The judge ordered the ex spouse to contact Capital One and to make sure I was not listed on those accounts so they would not show on my report. 
I have court documents showing this order. 
These large accounts are showing on my credit report, however, since they are not my accounts, Capital One will not speak to me. 
They were never opened by me. I had my own cards in my own name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Walmart card operated by CapitalOne Card XXXX XXXX XXXX XXXX - Phone XXXX I made a payment of {$75.00} today on XX/XX/XXXX ( due date ) at about XXXX Arizona time, but because it was not by XXXX East coast which I didn't know, they will charge me a late fee of about {$35.00}. When I called and asked to remove the late fee since I paid on my due date, the operator said the computer wouldn't let him doing that, so he transferred me to a supervisor and the lady told me she can't remove it. This is not fair, especially in these difficult times of hardship, and I request CFPB to contact CapitalOne and to ask them to remove the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13 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: MO

Complaint narrative:
I have accounts on my credit file inwhich i did not authorize nor do i have any knowledge of. I'm demanding that these unauthorized accounts be removed immediately. Please remove these misplaced accounts from my credit profile. 

# 1. XXXX XXXX XXXX XXXX XXXX {$4500.00} # 2. XXXXl XXXX XXXX  XXXX XXXX {$4600.00} # 3.. XXXX XXXX XXXX  # 4.. XXXX XXXX XXXX # 5.. XXXX XXXX XXXX Acct

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 2020-04-13 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: PA

Complaint narrative:
This is now the 2nd time I have had to report inconsistencies from XXXX based on the actual balance of an account and my personal Credit Report. XXXX has yet to resolve the inaccuracy. Failing to correct this may result in a Civil Complaint being filed against XXXX for failing to provide accurate reporting to the Credit Bureaus. This is a serious concern when inaccurate information is either withheld, purposely falsified, or intentionally changed inaccurately or left unchanged inaccurately. 

As of XX/XX/2020, the Report is now 5 days inaccurate as a recent payment was established and resolved any delinquency on XX/XX/2020. Please make every coordinated effort to provide factual information to the Credit Bureaus, as this information is not correct, notwithstanding, this inappropriate series of inaccuracies justifies litigated action on my part, and XXXX risks that possibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: MO

Complaint narrative:
I have accounts on my credit file inwhich i did not authorize nor do i have any knowledge of. I'm demanding that these unauthorized accounts be removed immediately. Please remove these misplaced accounts from my credit profile. 

# 1. XXXX XXXX XXXX XXXX XXXX {$XXXX} # 2. XXXX  XXXX XXXX  XXXX XXXX {$XXXX} # 3.. XXXX XXXX XXXX  # 4.. XXXX XXXX XXXX # 5.. XXXX Preferred Cust Acct

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 2020-04-13 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: MO

Complaint narrative:
I have accounts on my credit file inwhich i did not authorize nor do i have any knowledge of. I'm demanding that these unauthorized accounts be removed immediately. Please remove these misplaced accounts from my credit profile. 

# 1. XXXX XXXX XXXX XXXX XXXX {$XXXX} # 2. XXXX XXXX XXXX  XXXX XXXX {$XXXX} # 3.. XXXX XXXX XXXX  # 4.. XXXX XXXX XXXX # 5.. XXXX XXXX XXXX Acct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citi premier credit card, suddenly i am not able to login to their online portal. since i don't receive any paper statements for my credit card transactions, it is really important to monitor my transactions online. I tried to reach customer service and called 3 times, each time i have to wait for an hour. 3rd time, after waiting for an hour, i am able to talk to customer service representative, but she directed my call to somebody, which i waited for another hour in the queue, nobody answered finally.

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 2020-04-13 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: GA

Complaint narrative:
I have contacted this company since I paid off my Car in XX/XX/XXXX Car was paid in by me it says 4 charges off on my you can't have charged off for a car that's paid off along with showing late payments on one account from XX/XX/XXXX until XX/XX/XXXX of my account and on the other credit agency there are remarks saying that my account is paid off and having remarks saying charge off and collection you can't have a charge off and collection and paid off all at the same time. They refuse to remove these inaccurate remarks off my account so I ask that this account removed from all 3 credit agencies this company has called my credit profile to be effected and me to be turned down for getting credit for other lenders because of this and it is totally wrong and they should not be able to violate my consumer rights and continue to keep these negative items on my credit report. please have them to remove this.

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 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX. I was charged by transunion twice, for the amount of XXXX. In total, XXXX. This started because I signed up for the FREE 3-day trial of their service to access my scores. It said in small print you can cancel your trial and not be charged as long as you're not within 24 hour period of bill being due, I would say I was on the site a total of 30-40 minutes. Never reached day two. So I'm really not sure how I got charged once, let alone twice. I use many other credit sites, but none have ever charged me like this.

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 2020-04-13 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: ID

Complaint narrative:
XX/XX/2019 divorce was final. 
The credit cards that are showing on my report are not mine. 
They were ex spouses accounts only. 
The judge ordered the ex spouse to contact XXXX XXXX and to make sure I was not listed on those accounts so they would not show on my report. 
I have court documents showing this order. 
These large accounts are showing on my credit report, however, since they are not my accounts, XXXX XXXX will not speak to me. 
They were never opened by me. I had my own cards in my own name.

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 2020-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
XX/XX/2019 divorce was final. 
The credit cards that are showing on my report are not mine. 
They were ex spouses accounts only. 
The judge ordered the ex spouse to contact XXXX XXXX and to make sure I was not listed on those accounts so they would not show on my report. 
I have court documents showing this order. 
These large accounts are showing on my credit report, however, since they are not my accounts, XXXX XXXX will not speak to me. 
They were never opened by me. I had my own cards in my own name.

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 2020-04-13 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: ID

Complaint narrative:
XX/XX/2019 divorce was final. 
The credit cards that are showing on my report are not mine. 
They were ex spouses accounts only. 
The judge ordered the ex spouse to contact XXXX XXXX and to make sure I was not listed on those accounts so they would not show on my report. 
I have court documents showing this order. 
These large accounts are showing on my credit report, however, since they are not my accounts, XXXX XXXX will not speak to me. 
They were never opened by me. I had my own cards in my own name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: GA

Complaint narrative:
Whereas on or about XXXX, i entered into a contract with XXXX XXXX XXXX regarding a vehicle. after obtaining this vehicle for about XXXX months, i then begin receiving phone calls from said party stating that i was behind on Two payments and, my response to them was that their records were incorrect, so i requested for them to provide me with the dates that they claim i've missed. After receiving the information, I then contacted my financial institution for print outs of these transactions that i knew i had made with said party 's with my check card. whereas i then contacted XXXX XXXX XXXX and, advised them of the mistake on their behalf, they listen to me and i thought that was settled. But around 6 months later on or around XXXX i started receiving calls and, alerts from creditors and credit agencies concerning my credit score and, negative item 's on my report, in which this was causing me and my family to be denied of the luxury 's that i have worked so hard for, all because of the evil acts directed towards me. At this time my previous living property was being sold and the property was being remodeled, we were actually living within our vehicles until XXXX answered our prayer. I contacted the credit bureaus submitting disputes to all three major bureaus, it only seemed as if the credit bureau was only concerned with the other party 's complaint and, i never heard anything else, XXXX XXXX is now claiming that i'm 4 months behind in payments, why would someone be so malicious towards a person that they do not know. i later found out that i was actually being charged a late fee without even knowing, there was know under writing stating that a late fee would automatically charged to me. i agreedied to pay {XXXX} every two weeks ( bi-weekly ), but i found out that the actual fee is {$XXXX}. i have all supporting documents that will prove that i owe nothing on this vehicle that show that i am behind on this contract. Even while this pandemic is happening world wide, these people ( XXXX XXXX XXXX ), do not care.

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 2020-04-13 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: GA

Complaint narrative:
Whereas on or about XXXX, i entered into a contract with XXXX XXXX XXXX regarding a vehicle. after obtaining this vehicle for about XXXX months, i then begin receiving phone calls from said party stating that i was behind on Two payments and, my response to them was that their records were incorrect, so i requested for them to provide me with the dates that they claim i've missed. After receiving the information, I then contacted my financial institution for print outs of these transactions that i knew i had made with said party 's with my check card. whereas i then contacted XXXX XXXX XXXX and, advised them of the mistake on their behalf, they listen to me and i thought that was settled. But around 6 months later on or around XXXX i started receiving calls and, alerts from creditors and credit agencies concerning my credit score and, negative item 's on my report, in which this was causing me and my family to be denied of the luxury 's that i have worked so hard for, all because of the evil acts directed towards me. At this time my previous living property was being sold and the property was being remodeled, we were actually living within our vehicles until XXXX answered our prayer. I contacted the credit bureaus submitting disputes to all three major bureaus, it only seemed as if the credit bureau was only concerned with the other party 's complaint and, i never heard anything else, XXXX XXXX is now claiming that i'm 4 months behind in payments, why would someone be so malicious towards a person that they do not know. i later found out that i was actually being charged a late fee without even knowing, there was know under writing stating that a late fee would automatically charged to me. i agreedied to pay {$XXXX} every XXXX weeks ( bi-weekly ), but i found out that the actual fee is {$XXXX}. i have all supporting documents that will prove that i owe nothing on this vehicle that show that i am behind on this contract. Even while this pandemic is happening world wide, these people ( XXXX XXXX XXXX ), do not care.

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 2020-04-13 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: NJ

Complaint narrative:
Experian has been reporting an collection account with XXXX XXXX XXXX SERVICES XXXX, which does not belong to me & experian refuses to investigate this account that does not belong to me & under fair credit reporting act any information that is incorrect must be deleted immediately. 

secondly another account with XXXX loan servicing XXXX is showing 2 times 30 days late in XXXX & XX/XX/2014, which is not correct as the payments were made on time and experian refuses to correct that 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 2020-04-13 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: CA

Complaint narrative:
I use to be an authorized user on a credit card of someone else. They took me off already because they planned on utilizing all the credit. So they took me off and used up all the credit and now that utilization is coming up on my credit report and affecting my credit score. 

The balance on the credit card is now {$XXXX} on a XXXX Double Dash. This is not my credit card. That's the balance as of XX/XX/2020. I think they withdrew it in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
equifax has been reporting two collection account with XXXX XXXX XXXX XXXX XXXX & XXXX, which does not belong to me & equifax refuses to investigate these accounts that does not belong to me & under fair credit reporting act any information that is incorrect must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ONEMAIN FINANCE CORPORATION
State: IL

Complaint narrative:
I did not authorized one main financial to pull my credit report. I do not know who this company is. The company is not responding to my letter request to remove the inquiry off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I called the company because they call me repetitively stating I need to pay. This loan was taken out in XXXX!!! I originally borrowed XXXX ... I have been paying for over 12 years now and my bill is close to XXXX??????? How is that possible??? How does this bill keep going UP? Over 12 years it should have been paid off multiple times .... I feel like this is predatory and not honest. I feel as if they never applied my money paid and just kept on packing on interest. When I called to discuss this, they said they are private and this is what I owe, nothing they can do about it. There has to be something. I pay XXXX dollars a month so simple math ... XXXX times 12 months is XXXX times 12 YEARS is XXXX ... thats almost 3 times what I borrowed? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: CA

Complaint narrative:
I use to be an authorized user on a credit card of someone else. They took me off already because they planned on utilizing all the credit. So they took me off and used up all the credit and now that utilization is coming up on my credit report and affecting my credit score. 

The balance on the credit card is now {$XXXX} on a XXXX Double Dash. This is not my credit card. That's the balance as of XX/XX/2020. I think they withdrew it in 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