vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp
State: TX

Complaint narrative:
I have a loan from the lending club ( loan # XXXX ) for {$14000.00} with monthly payments of {$570.00} and APR of 31.77 %. When the COVID-19 pandemic started they asked me to apply for a deferral plan where the payments will be postponed for two months as my father stopped working due to the pandemic and I had to cover my parent 's expenses. I paid the last payment on XX/XX/XXXX and then they deferred my payments of XX/XX/XXXX and XX/XX/XXXX to be on XX/XX/XXXX. When I signed this deferral plan there was no statement saying that I am not allowed to cancel it. So I thought I would cancel it when things got better because the APR they are taking from me is very high and will accumulate during these two months. In XX/XX/XXXX when I and my parents received the IRS stimulus check, I called them and told them that I want to cancel the deferral plan and pay the payments on time to avoid the extra interest, they refused to accept my money saying that the plan can not be canceled. 
I filled a complaint with them on XX/XX/XXXX, and another complaint on XX/XX/XXXX and third complaint on XX/XX/XXXX and they still do not cancel the deferral plan and still do not allow me to make the payments on time to avoid the high interest. I told them that this can not be right as they do not want to take their money back and all that they want is to keep adding interest although I am ready to pay their money back. I kept telling them that when I signed the deferral plan, there was no statement saying that I am not allowed to cancel the plan, so why they do not want to accept the money and stop taking an extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizen bank refused to pay an opening saving bonus of {$300.00} for a saving account that I opened in XX/XX/2019. I fulfilled all requirements for me to receive the bonus. I transferred {$15000.00} into the account in early XXXX and maintained the balance for at least 3 months. Can you please look into this case? Thanks Terms : Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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:
There is an account from XXXX XXXX on my credit report that is not mine. The only reason I checked my credit report today XX/XX/20 is because I'm trying to buy a car soon. I don't know who this accounts belongs to or why its on my credit report but I have already filed a police report. I do not have any written/verbal contract with that company nor did I benefit anything out of that account such as money, goods, services or any other benefit and I did not take part in any payments made towards that account. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
I HAVE TRIED TO RESOLVE THIS ACCOUNT THAT IS NOT MY ACCOUNT MY NEXT STEP IS FILE A LAWSUIT IN COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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:
There is an account from XXXX XXXX on my credit report that is not mine. The only reason I checked my credit report today XX/XX/20 is because I'm trying to buy a car soon. I don't know who this accounts belongs to or why its on my credit report but I have already filed a police report. I do not have any written/verbal contract with that company nor did I benefit anything out of that account such as money, goods, services or any other benefit and I did not take part in any payments made towards that account. I have filed this report to the best of my knowledge.

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 2020-05-28 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: CA

Complaint narrative:
There is an account from XXXX XXXX on my credit report that is not mine. The only reason I checked my credit report today XX/XX/20 is because I'm trying to buy a car soon. I don't know who this accounts belongs to or why its on my credit report but I have already filed a police report. I do not have any written/verbal contract with that company nor did I benefit anything out of that account such as money, goods, services or any other benefit and I did not take part in any payments made towards that account. I have filed this report to the best of my knowledge.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a mortgage loan from XXXX  XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX  XXXX  and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  XXXX  XXXX  with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.

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 2020-05-28 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: CA

Complaint narrative:
I have a mortgage loan from XXXX  XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX  XXXX  and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX  XXXX  XXXX  with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a mortgage loan from XXXX  XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX  XXXX  and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  XXXX  XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX  or XXXX  XXXX. But, obviously, the CRA 's do not care about following the law or even adhering to the law. The FCRA is clear about verifying with the furnisher, but the CRA has ignored my requests after 6 plus dispute letters concerning this inaccurate and inconsistent listing. If you are getting your information from the same furnisher - why is the information so wrong, inaccurate, and inconsistent? You did not get this information from the court - attached is a letter from the court proving you did not verify with the court. I will also file with the AG in my state amount this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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:
i was a victim of Identity Theft And Its Seems as they are still trying to apply for credit using my Information i have a Fraud alert on my credit Files they just tried to apply for credit with the inquiries that i did not give consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
i have ask many times to have this account remove because its not my account my next next is to file a lawsuit

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
FRAUD on my Credit Card account with Capital One, XX/XX/XXXX and XXXX, XXXX for the amount of {$210.00}, XXXX and XXXX total XXXX dollars. Capital One notified me of unusual active within my account. They inform me that they would investigate on XX/XX/XXXX. A refund was credited back on my account in the amount of XXXX. On XX/XX/XXXX the amount was rebilled to my account for the same amount {$750.00}. On XX/XX/XXXX I received a letter from Capital One informing me of the following facts : We incorrectly applied XXXX to your account. We discovered this error, and will fix it and show it on your next monthly statement. That was the total amount of XXXX that took place in XXXX, {$1200.00}. The amount that is still showing is {$750.00}. On XX/XX/XXXX I called once again and they apologized. And again my account was re-credited and rebilled on the same day. On XX/XX/XXXX I placed another call and was told that they did not understand why the error keeps occurring. Capital One admitted that the corrections where not done properly and assured me that it would not happen again. I have attempted to correct this account since XXXX. Because of the fraud and Data Security Breach that took place within this company XXXX, XXXX, it has been problematic to obtain a pay off on this account. This has caused me to pay addition interest on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 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: GA

Complaint narrative:
Dear : CFPB I would like for someone to investigate my account that's listed below as it not reported correctly on my Equifax report. I've sent out 5 letters over the past 7 months signed signature notified by letter. Fighting trying to get inaccurate information disputes off my credit report. I spoke to this Credit Bureau goes by the name XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  on multiple Occasions asking for them to validate proof of images and accurate information for me yet and still, they refused to show proof of the information I requested. The matter is regarded in an apartment complex Ive lived in 5 years ago. I stayed until the end of my lease term I was paying the market rate at the time. Still, yet dont understand why this on my report its stopping me from moving on with my life. The amount that claimed I owe is XXXX $ its been on my report since XXXX XXXX its been 4 years & 5 months here is the information, I found from the company IM ASKING FOR THIS TO BE DISPUTED FROM MY EQUIFAX CREDIT ACCOUNT. 

( XXXX XXXX XXXX  ) XXXX  XXXX  /XXXX   XXXX  CREDITOR THE AMOUNT thats claimed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
Complaint against Nevada State Bank, DNA Zion Bank Corporation NA. 
I had damaged currency ( buried ) large amount. XX/XX/2020 bank inspected, counted and accepted all but 1 bill. I was asked if I wanted cash or to deposit, I chose deposit. XX/XX/2020 the banks asst. Mgr called stating their cash vault would not accepted a portion of currency, stating fear that Federal Reserve would not reimburse them and destroy. They said they would be debiting my account and I needed to pick up cash from them. All currency expect 1 bill was intact with denomination, serial numbers and security. A small amount was fragile so I placed it all in plastic bags. I am not comfortable with this. I do not know what happened, how currency was handled or how many people handled once it was inspected, counted and deposited in my presence. I did call Federal Reserve, they had no answer why bank would return after accepting, XXXX XXXX XXXX XXXX and XXXX though closed info on what mutilated currency is was not applicable to my currency, which was small water damage, dirt. I have not taken possession on the currency they want to return, they have it. 

Nevada State Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX 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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX  or XXXX  XXXX. But, obviously, the CRA 's do not care about following the law or even adhering to the law. The FCRA is clear about verifying with the furnisher, but the CRA has ignored my requests after 6 plus dispute letters concerning this inaccurate and inconsistent listing. If you are getting your information from the same furnisher - why is the information so wrong, inaccurate, and inconsistent? You did not get this information from the court - attached is a letter from the court proving you did not verify with the court. I will also file with the AG in my state amount this issue.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX  or XXXX XXXX. But, obviously, the CRA 's do not care about following the law or even adhering to the law. The FCRA is clear about verifying with the furnisher, but the CRA has ignored my requests after 6 plus dispute letters concerning this inaccurate and inconsistent listing. If you are getting your information from the same furnisher - why is the information so wrong, inaccurate, and inconsistent? You did not get this information from the court - attached is a letter from the court proving you did not verify with the court. I will also file with the AG in my state amount this issue.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am beyond upset and puzzled with how you CRA 's agencies break the law or have no concern with following the procedure required to report information. I've talked to lawyers ( several ) and I've even studied the metro 2 data rules you are supposed to be following as well. So your own reporting standard is violated and then you also violate the FCRA. I spoke with the courthouse and they told me - they do not verify any information with credit reporting agencies ; thus, you are in violation of the FCRA and the spirit of the law. You are even in violation of your own Metro 2 data  standards. Delete this account from my reprt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried for the last 3 months with many complaints regarding eceprian and their false advertising using Credit Boost. i have tried to call them well over 50 times andthey refuse not to fix the problem but refuse to answer my calls or return my calls. they refuse to list my information to credit boost correctlt and the sysyems does not raise your credit score when they keep on advertising on tv. When you try to call it takes almost 5 minutes just to go thru the options and it repeats the same thing over and over until you have to try several times to call back to get to the right department. when i spoke to someome about this weeks ago they keep on sending an email to me that they are trying to fix the problem with their credit boost. so why are they still advertising it when it does not work. i have followed all the rules but all i get is excuses and frustration because they are making it so difficult to help build your credit.I have spent 100 ; s on man hours on the phone trying to speak to someone and end up being transfered to another person then get disconnected Experian shuls be sued for what they are doing.

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 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC is blocking me from using an online payday loan I think its extra security but I gave this company permission I been dealing with them for a while this is my checking account this is my money in the bank dont block my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I signed up for a Transunion account so that I could place a fraud alert on my credit report. In order to try to get to the page with the free fraud alert, they asked for my credit card number. Nowhere on this page was a price listed, so I assumed this was just to keep on file. They charged my credit card for a subscription. When I logged back into the account to access the service they said was included in my subscripted ( a 3-agency report ), they tried to charge me an additional {$29.00} for the report they said was included with the subscription. When I tried to call to complain about this, all I got was a recorded message saying nobody was available to help. This is ridiculous. Getting a credit report should be ( and is ) free. Transunion uses shady internet rerouting to force people into paying for free services.

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