vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 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: TX

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$0.00}

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 2020-06-24 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: TX

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$0.00}

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 2020-06-24 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: FL

Complaint narrative:
I disputed some in correct information on my credit report. I disputed with Bureau whom verified as account reporting accurately on my report. I sent a follow up letter asking for verification and to ensure proper reporting. This Bureau is not properly following Metro 2 and E-Oscar compliance protocol.

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 2020-06-24 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from 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 2020-06-24 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from 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 2020-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I noticed this account in my credit report and I have no knowledge of. And I never had this account or credit card. This was not me. And I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
3 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not my accounts never had them all these inquiries was not made by me please delete. I contacted companies and they said contact the credit bureau I didn't notice until now XXXX XXXX   Miscellaneous Individual XX/XX/XXXX XXXX XXXX Miscellaneous Individual   XX/XX/XXXX XXXX Banks Individual XX/XX/XXXX XXXX   Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX  XXXX Banks Individual XX/XX/XXXX XXXX XXXX  Automotive  Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 3 cards. I never had XXXX XXXX XXXX XXXX not mines XXXX Finance / Personal Individual XX/XX/XXXX XXXX  XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX  2 Automotive  Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Individual XX/XX/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 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I reached out to BOA on or around XX/XX/2020, and requested assistance due to Covid-19, related illness and requested : deferrment of payment, reduced monthly payment, waiving of any late fees durig the foreberance period. According to BOA an deferrment of payment was granted. Although I still made payment during this period BOA marked and reported the account past due to credit bureaus without explanation and consideration although a deferrment of payment was granted payment were still made during this period. BOA refused to correct the past due information with the credit bureaus. BOA is XXXX profiling consumers and intentionally lower credit scores of XXXX XXXX  credit card holders which is blantant 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 monetary relief
Consumer complaint received 2020-06-24 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: VA

Complaint narrative:
I believe I have a mixed credit file, one that includes my information as well as my parents past information. For my initial credit card, I was an authorized user under a parents account for one year before applying on my own. Almost 10 years later this is now a serious problem. The credit file information does not show up on my credit report to dispute but is routinely used to confirm my identity. In requesting this years credit reports, each credit bureau asked a question I had to call my parent to confirm the information. A previous question asked to confirm my identity asked about who my parents mortgage was with. I cant find anywhere thats tell me how to fix this issue with 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 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I just pay late one day and just once. I am going to call to remove my late fee and interest fee. But they do not help me. They have a strategy to remove the late fees once a year. But I don't know why they are not going to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a mastercard from Citi that requires an annual fee. As Citi removed feature after feature from the card, I finally realized a card with a fee made no sense. So, I applied and got a new card and started what I thought would be a straightforward cancelation process - especially as I've already told Citi I wasn't happy with what they were doing. I started documenting my card cancelation process with Citi ( via their chat feature ) on XX/XX/2020. This was not the first time I tried to cancel the card this year. On XX/XX/XXXX, Citi ( XXXX ) responded that I had to call Citi. My chat session shows that I had tried to call, but that the calls disconnected multiple times. I waited, not wanting to expend the amount of time Citi might require, but I tried again on XX/XX/XXXX. No success again and I went the chat route to find out when a good time call might be. I was told Citi could be reached 24x7. Still, I waited. Not wanting to deal with the Citi unpleasantness, but knowing I really didn't want to have an annual fee assessed on me again. So, XX/XX/XXXX. I called again. I waited 37 minutes. And, the line got disconnected. Again. I had the idea that perhaps I can mail back the credit card I'm trying to cancel. The next chat person ( XXXX  ) said that I could not and proceeded to school me that we have a pandemic!! 

Bottom line : What I see is that Citi has made it impossible to cancel a card. My annual fee isn't huge, but I want to save every dollar I can and Citi is not allowing that.

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 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I processed 2 payments for consulting services through Paypal Here. Paypal immediately limited my account, and requested extensive information on the transactions. 

I proceeded to provide the information to Paypal, to which they claimed they needed more information. I provided the referenced information, including my service contract, contact information for payee, and other details. 

Paypal then unilaterally claimed my account was too risky and they were entitled to hold my payment for 180 days. This is straight up fraud on Paypal 's behalf. They hide behind their user agreement with no specifics, and attempt to withhold small business payments. 

Given the current pandemic, companies like this should be prosecuted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 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: CO

Complaint narrative:
I just want equifax to straighten out my credit report. Was told I had a mixed file the other day when I called and they always need me to send in some kind of document to verify me and update my information properly and also my phone number keeps changing on that fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir/Madam Im reporting this issue here with a purpose to raise your attention. I once contacted our Customer Service via phone months ago, and was then issued a case number XXXX. I was told I will be reached after 1 or 2 weeks, but I never received your response by phone or by mail. I understand it might be the COVID-10 pandemic that disrupted lots of things. 

In simple words, I converted my Citi ThankYou Preferred credit card ( XXXX ) to a Citi Double Cash credit card ( XXXX ) last XXXX, as I had two TYP credit cards then. I did that via phone with our Citi customer service, and kept asking to ensure I wont lose points before making the decision to do the conversion. My understanding is that the points will be linked to my another ThankYou Preferred credit card after chatting with our staff. However, I lost XXXX points due to that conversion after a couple of months. Months ago, I contacted our Customer Service again with a hope to get my lost points back, and was issued the case XXXX. 

Thanks for your attentions 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 2020-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
On XX/XX/2020 Speedy Cash employee XXXX agreed that I did have a deferment on my account. 

I was given the impression that if I could not afford to make the payment in XXXX the deferment would continue. I called Speedy Cash in XXXX and they demanded an amount I was unable to pay at the time and I informed them of the fact. Then days later they placed my account in collections without telling me this was going to be the next action. I at least had the right to be informed. 

In addition they have employed a collection company that engages in harassing collection practices. I noticed a strange number calling me for the last few weeks, when I answered the telephone the person would hang-up ; this happened at least three times. If this is a legitimate attempt to collect a debt why the underhanded tactics that scare consumers? And a letter with three different return addresses, I am confused where to send any correspondence ( see attached ). 

I have asked for an itemization of my debt because I question the exact amount demanded. 
I do not owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have completed the 120 months required for Public Service Loan Forgiveness By my count I had completed that earlier this year. They said I had not. They said if I waited and applied in XXXX I would have enough months. I waited since the CARES Act meant I was not having to make a payment to have a qualifying month with a payment. 


They are now claiming that I need to wait until the reviews are complete to apply. They used to say that they would complete the reviews once I applied. They also claim that there is now an issue with three months of payments from last year that were not an issue last time I talked to them. 


I have worked full time for the XXXX XXXX the whole time. 

There are some seven months with issues that I think should be counted. If they are all counted I would have 121 qualifying months. 

One is XX/XX/XXXX from when my qualifying payments were {$0.00} dollars a month. They claim that month does not count because there was no on time payment. They accepted the {$0.00} the months before and after. I am unsure how I could make a {$0.00} payment not on time. 

Three are CARES Act months. Fedloanservicing has not yet credited those months. 

Three months are from XXXX when Fedloanservicing applied a forbearance or deferment to my account without a communication from me. I am also a XXXX XXXX  XXXX veteran and eligible for a discharge. I did not ask for that because I do not want to pay state taxes on the discharge in California. I properly opted out of the discharge. While they did not claim these months were an issue last time I applied they claim they are now. I made payments during this time. The federal government sent them a communication that I was eligible for the discharge. They were not required to put my account into forbearance. This has happened more than once. They seem to have fixed XXXX of XXXX but now have an issue with three months from last year. I believe it is XXXX, XXXX and XXXX. 

They give different answers different times I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: CA

Complaint narrative:
Inquiry information is incorrect. The only inquiries that belong there are from XXXX  XXXX XXXX and 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 2020-06-24 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: NC

Complaint narrative:
This is a fraudulently reporting account. This XXXX XXXX account is closed, has a XXXX balance, and has been been paid by a debt collector XX/XX/2015 supposedly. I have 15 months of Experian credit reports showing this account closed with a XXXX balance. However, I have never received a verification of debt from XXXX  or XXXX XXXX, XXXX has never reported on my credit as owing them a debt to them so I do not know who they are or if they even exist, and both XXXX XXXX and XXXX  are past the time-barred statute of limitations to sue for collections of this debt which is 3 years in NC and SC. This account continuing to report without legal right is damaging my credit and is an attempt at consumer fraud through extortion via fraudulent reporting. Delete this from my credit report based on these extenuating reasons of lack of evidence of a debt owed by me to either of these creditors.

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 2020-06-24 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: Guild Holdings Company
State: GA

Complaint narrative:
I had paid my mortgage two days late. The company would not accept the next two payments on time, so Guild Morgage reported me late for the next to months. I have spoke to the morgage twice but with no results. 

Please remove this from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: PA

Complaint narrative:
I WAS NOT LATE ON MY AUTO I WAS SICK WITH XXXX XXXX  PLEASE HELP TO UPSDATE MY CREDIT I ENCLOSED PROOF

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 2020-06-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Inquiry information is incorrect. The only inquiries that belong there are from XXXX XXXX XXXX and XXXX XXXX  company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: CA

Complaint narrative:
Inquiry information is incorrect. The only inquiries that belong there are from XXXX XXXX XXXX and XXXX XXXX  company.

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