vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 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:
For years I have been disputing items on my credit report specifically social security numbers that are not mine additionally to creditors that do not belong to me. I just found out that there is almost $ XXXX in collections that doesnt belong to me that has affected my credit score. I am constantly disputing things on my credit report but they keep on putting other things not mine back on. I have this problem with all 3 credit bureaus. Also because of incorrect information I have a hard time getting my annual report some times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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:
For years I have been disputing items on my credit report specifically social security numbers that are not mine additionally to creditors that do not belong to me. I just found out that there is almost $ XXXX in collections that doesnt belong to me that has affected my credit score. I am constantly disputing things on my credit report but they keep on putting other things not mine back on. I have this problem with all 3 credit bureaus. Also because of incorrect information I have a hard time getting my annual report some times.

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 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: PA

Complaint narrative:
Thank you for taking the time to review my concerns. While reviewing my credit report from all major bureaus. Enhance Recovery recovering an unfamiliar debt from XXXX XXXX XXXX XXXX has a collection debt of XXXX. According to FCRA requesting documents to support collection and not a phone bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MiraMed Revenue Group LLC
State: IN

Complaint narrative:
There are 3 items on my credit report from the same company but three different amounts XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the  item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT. I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

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 2020-08-04 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 REVIEWING MY CREDIT REPORT. I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
As of today XX/XX/2020, my American Express account is reporting on all three credit bureaus that I'm overdrawn, when that is not true. I have a balance of {$1500.00} as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Nations Direct Mortgage, LLC
State: CT

Complaint narrative:
I have submitted numerous amounts of request to get an incorrect credit report corrected for months which have affected reapplying for a mortgage and have caused me to almost live in poverty due to mortgage error which refuses to rectify and repair the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Applied for a loan and bank retracted loan after they made internal error but even though contract and bank note was signed by both parties and Bank was in a legal binding contract they advised they will not assist with the providing the loan back. They retracted personal funds from account to cover loan as well and no one is able to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2020 Chase Bank closed all of my credit card accounts. They said that reason for the closing was due to increase in revolving credit card usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: HW Holding, Inc
State: FL

Complaint narrative:
This company is reporting a collection that was fully paid and dismissed by a court. I have tried to get it disputed on several occasions.

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 2020-08-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have made 5 yes 5 complaints against Experian with the CFPB this would be the 6th. They have never responded to my complaints stating : " your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I have been sending mail to them for over a year and have recorded phone calls of them stating that they confirm these accounts being Paid In Full in XXXX. Bankruptcy and credit accounts on report validation request are also ignored and I send them certified with a bill and copy of my ID. Experian has stalled for long enough. Please see previous complaints below and review all documents sent to experian directly by me. I have also attached my disability paperwork, bank document, a photo taken today with me holding a note to experian, my Ohio Drivers License, NC ID, Unemployment documentaion that came  today and other mail sent to me today confirming I am me. The call I recorded is also attached in the previous complaints made but will not load to this one. There are so many documents that all can not be loaded due to the MB allowed. I will be willing to send them by mail or email if needed. 

A complaint was filed with the FTC on XX/XX/2020 as well as the XXXX   on XX/XX/2020

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 2020-08-04 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: NC

Complaint narrative:
I have made 2 complaints against Transunion with the CFPB this would be the 3rd. They have never responded correctly to all my request in thses complaints Transunion has still reported the two XXXX accounts but has removed both Department of ed/XXXX XXXX accounts when they should all show as paid in full. They have recently just placed XXXX/XXXX back on my account after removing months ago. They are still reporting XXXX XXXX with a balance of {$770.00} which was also paid in XX/XX/2019 and reported to all 3 credit agencies as paid with last payment showing as received. Please see attached previous claims/complaints and the attachments on all other complaints filed. I have additional documentation that I would be glad to mail or email my computer will not allow me to attach them again but they are included in the previous complaints.

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 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC will not allow me to link my bank account with any type of crypto exchange or service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC has made a change that prevents me from linking my account to any app, specifically XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have several issues where from being impacted by credit use that several times took negative turns increasing pressure to where it is and the pandemic are warranting a need for cfpb protectoin. Amex, and others are treating the pandemic differently and reporting is at the heart of the issue. Complete and Accurate reporting accounting standards dictate that being impacted by the pandemic be reported to the credit bureaus. This is not being done and in cases where it is being done it is only done if there is a program in place which many times one never even existed so it was never done. This leads to many issues. First if it is not reported to credit bureaus that deliquency is a result of pandemic impact the agencies do not have the data of who is effected and for how long. Second, there is no basis for efforts by the lenders and credit agencies to limit the length of exposure for pandemic impact delinquency. If it was reported this would serve as powerful data that absolutely is a requirement for millions of americans greatly impacted and for myself I will likely be forced into an unnecessary bankruptcy and I am hounded constantly with over 15 calls in a typical day ranging from XXXX to the evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: MO

Complaint narrative:
As a student at XXXX under the GI Bill accrual of fees are paid quarterly. I received notification from General Revenue Corp first week of XXXX in regards to the accrued XXXX fees. I stated to them the account was paid in full on XX/XX/2020. He stated he did not receive notification of any payment, but would verify it. I thought nothing of it because I had the paid invoice in my email as well it being updated on the XXXX site. I received a notification from XXXX that there is a negative impacting report posted on XX/XX/XXXX. The negative report was for collection from General Revenue Corp on behalf of XXXX. My credit was decreased significantly from this false report. When I called them first and stated my issue I was told it is not their problem and they only receive information from their customers monthly and was unable to update the credit reporting until XXXX. I stated again that the account has been paid and has a XXXX   balance since XXXX XX/XX/2020. The rep restated her comments. I called again after my credit dispute returned with no change. The rep stated they made a mistake, but she did it know how to correct it. A manager got involved, but made no guarantees on it being removed from my credit report anytime soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
At first I let it go, I thought maybe it was my mistake. However I received a Similar value charge the following month on a much lower balance. I have now XXXX photos to Citibank as the rep I spoke to didnt care that I planned to frwrd the matter to the FTC all she would say it that it was, and I quote, system generated. So there isnt someone out there that controls that? Because what it looks like is someone is trying to get a $ XXXX fre every month from me, which they should just be honest about. The closing statement for the first month where I received the extra interest charge was 29 days and the reason for that is because the payments were made separately, so that even the agent argued with me and told me that I only paid a portion. Furthermore, theres a payment made at my bank that hasnt been attributed to anyone that is suspiciously close to the remaining balance and next payment. I havent looked into it yet, but if I do im certain Thats what I will find. Then, the following statement was given 32 days so that it could accrue extra interest. If you look at the statements the due date is before the closing date. So unsatisfactory. I can not believe I have to write in about {$20.00} because they are unfairly earned and the agents are unhelpful by calling it a SYSTEM. And then she claimed that I should JUST KNOW what and when I spent my money in. What if I did not? What if I am the type of person that needs help like that? So obviously you are not providing it or did not even train your agents to think about others like that but to top it all off your system requires me to be a mind reader so there is no way to avoid it if I buy something between certain dates. You should send reminders to people to not make purchases during those times for goodness sakes.

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 2020-08-04 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: NY

Complaint narrative:
This Citibank account charged off back in 2016. 
Although it was charged off, a balance still reported AND there were negative/late payments reporting every month. This is against the FCRA amongst several other FCRA violations including incorrect status of account and inaccuracies across the credit bureaus. This account should be removed from my credit report 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 2020-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Avantus, LLC
State: CT

Complaint narrative:
I have submitted numerous amounts of request to get an incorrect credit report corrected for months which have affected reapplying for a mortgage and have caused me to almost live in poverty due to mortgage error which refuses to rectify and repair the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was charged multiple late fees and interest charges to my Citi Cards account during the time that COVID-19 caused disruptions to businesses and to lives around the world! 

This matter began in XX/XX/2020 when I received a call from a Citi Cards representative stating that I missed a payment. I informed the representative that I did not recall using the card referenced and requested additional information on the charges so I could validate they were legitimate charges. The representative informed me that he was unable to see details but would transfer me to customer service who could assist me, which he immediately transferred me but a representative NEVER answered and the call and then I was disconnected. I tried calling several times thereafter ( days and weeks later ) and collection representative called me but customer service was not available, not even through the online chat portal. 

I eventually spoke with a professional representative who was extremely helpful in providing details of the charges, which was all I needed to pay the bill. In addition, he offered to credit late charges due to credit/payment history and the inconvenience but all of his attempts to credit the charges failed. The representative explained that the system would not allow him to apply the credit because my account was closed. I placed many calls after that call to have the late fees removed and resolve the delinquency but continuously experienced the same outcome, even with a supervisor. 

I paid the bill minus late charges. I was, and continue to be, in utter disbelief that during the time of a world-wide pandemic ( COVID-19 ), a company could be so insensitive to close a consumers account and continue assessing late fees knowing that CITI offices were closed, or operating on limited scheduling, reduced staffing, or whatever the reason may have been for not servicing customers! 

I had great credit prior to this matter, but Citi Cards has tarnished my credit and continues to do so monthly.

I wrote a complaint to multiple executives of the Citi Cards team and was told that charges would not be reversed because the payment was late - without acknowledging their lack of service to customers in previous months.

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 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX & XX/XX/2018, I faced financial hardship. In which I paid my credit card bill late. Prior to paying my bills late I reached out to capital one & informed them I will make my payments a few days late. I was told that my payment due date would be pushed back to avoid a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I AM VICTOM F AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL REQUIRED PAPERWORK TO THE BUREAUS AND TO THE BANK BUT SEEMS LIKE THEY ARE PLAYING GAMES AND TREATING ME THE CONSUMER AS A LITTLE KID, EVERY TIME I CALL THEM EITHER THEY DON'T HAVE NAY INFORMATION, THE ACCOUNT SHOULD BE REPORTING, THEN THEY ASK ME FOR IDENTITY THEFT REPORT, WHICH I SUBMITTED NUMEROUS TIMES, NOT ONLY I GAVE THEM THE IDENTITY HTEFT REROT, I ALSO GAVE THEM POLICE RPEORT. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT REPRT.

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 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I received a ppp loan into my Navy Federal account and they shut my account down saying that I was using my checking account as a business acct. when that is totally false and they have no proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation