vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX 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 2020-07-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
My name is XXXX XXXX and I was approved for {$9000.00} credit limit in XX/XX/2019 by Citibank. I have made all payments. In XXXX there was a collection erroneously placed on my XXXX  report by XXXX XXXX and XXXX XXXX. Citibank reduced my credit limit to {$8400.00} as a result. I have been working towards getting this false collection off my credit. 

On XXXX XXXX I made a {$4100.00} payment to Citibank. They accepted my payment and then reduced my credit limit to {$4200.00}. As a result it now reflects that I am {$14.00} over my credit limit and at 101 % utilization!!! They cited derogatory payments on my XXXX  report. This is false. I provided all the documentation as proof that their explanation for reducing my credit limit was false. I provided an XXXX   report dated XXXX XXXX plus proof of credit cards that I have paid off and now have a {$0.00} balance on all but one credit card from my credit report. I also provided an email from the Director of Operations that proves the XXXX XXXX XXXX collection was reported in error and that it would be removed from my credit report. It has been removed from my XXXX  report and the documentation I provided indicates it. 

I was told by XXXX XXXX that the documentation I provided would be what she needed for my credit limit to be reinstated. They did not reinstate my credit and sent me a response that their decision was based on derogatory payments. Again this false and I provided all documentation requested by Citibank to prove so.

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 2020-07-02 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 I went to a bar/restaurant called XXXX. My friend and I each had a slice of pizza and a drink. The server asked to keep a card on file. I said we were paying with cash and she said the card would not be run and assured us we would still be able to pay with cash. When we were ready to leave and asked for the bill I noticed my phone alert me that I had been charged for the {$22.00}. I reminded the server that we were paying with cash and she apologized and said the charge would be reversed. My friend then paid with cash and we left. 

The charge was never removed and due to the lock downs I am still unable to get in touch with the merchant. 

I filed a dispute with my credit card company US Bank in XXXX but they made an error. I finally had to call and start over with the dispute on XX/XX/2020. They issued a provisional credit on XX/XX/2020 and sent a letter for me to explain what happened. I provided a detailed description stating that I had never authorized the charge and it had been paid for. 

I included that the receipt was never signed by me at the restaurant. 

Today on XX/XX/2020 the credit was reversed and I received a letter from US Bank Cardmember Services that they would not reverse the charge because I had no proof that I had paid another way. 

This is beside the point. The issue is that my card was charged without my consent and there was no signature given. What use is there in providing a signature if a merchant can just run your card and not be expected to show proof that you had authorized the charge. 

I am requesting help in getting US Bank and Visa to honor their own rules and refund me the {$22.00}

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 monetary relief
Consumer complaint received 2020-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX I purchased a necklace as a wedding anniversary present for my beloved wife XXXX from the XXXX XXXX XXXX. The price was {$380.00}. I asked the XXXX XXXX XXXX for the discounted price for members of the XXXX XXXX of which I was a member at the time. The member price was {$330.00}. I asked that I received credit for the difference between the two ( 2 ) prices. 

On XXXX XXXX in reviewing my online banking statement from the Bank of America I noticed DOUBLE BILLING : the XXXX XXXX XXXX had billed my debit card twice : the {$330.00} and the {$330.00}! 

I immediately with my on-line banking had two ( 2 ) checks stopped at a bank fee of {$30.00} each! 

I then immediately called the Bank of America and spoke with XXXX. I explained over and over that my account was dangerously low because of the double billing and repeatedly asked her to delete the {$380.00} which she repeatedly stated that she would not do! 

Today XXXX XXXX XXXX I received an email from the Bank of America that my account had a NEGATIVE BALANCE OF {$75.00}! I was also notified that money was taken from my Bank of America credit card to cover the charges on my debit card! This when I had told XXXX at the Bank of America that my account was dangerously low and the double billing had to be reversed! The result of the money being transferred from my credit ward was my being charged a fee for the transfer and interest on the transfer and I can not use my credit card because it is near the maximum limit! 

So I immediately emailed Mr. XXXX XXXX a customer relations manager at the Bank of America branch in XXXX, New Jersey where my beloved wife and I live! 

I went to the branch to speak to him. He said he had gotten my email and would work on the problem. I told him that the {$380.00} had immediately to be removed as this was double billing. He did nothing! 

In short, THE BANK OF AMERICA HAS DONE NOTHING TO PROTECT MY INTERESTS EVEN THOUGH THE XXXX XXXX XXXX AS XXXX COULD PLAINLY SEE HAD DOUBLED BILLED ME AND AS MR. XXXX COULD PLAINLY SEE 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 monetary relief
Consumer complaint received 2020-07-03 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX I spoke with a XXXX from Hyundai and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my Hyundais report. 
On XX/XX/XXXX I contacted Hyundai at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from Hyundai stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late. 
On XX/XX/XXXX I sent an a dispute to XXXX  and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop 56 points. 
XXXX I sent another dispute through XXXX  and showed records that I am attaching here if able to show proof from my account at Hyundai, I was never late and they received all my payments every month and the XXXX payment shows received. 

I feel that being turned down for credit because of the error Hyundai created and XXXX  not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from Hyundai showing my payments received. 

I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that Hyundai has created. I don't know where else to turn. 

Thank you, 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 2020-07-02 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: FL

Complaint narrative:
I been previous disputing with XXXX  and Transunion the following account XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These accounts have been paid in full and are old to be part on my credit report. Every time I dispute the account I receive an email or letter that the accounts was previous dispute but the don't fix the inaccurate information form my personal credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
Enhanced recovery reported on my credit report I owe {$1300.00}, I never heard of company never got anything in the mail or got an phone call, I tried calling number on credit report phone number doesnt work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
Titlemax claims they haven't received a payment that cleared my bank on XX/XX/2020. I had made the payment on XX/XX/2020 and tried to stop payment because I was broke, but I was unsuccessful. Titlemax still received the payment, but they are claiming my bank is withholding the payment due to fraud. Today I went to my bank and got proof of payment. I was trying to pay the loan off and get my title back, but they refused to let me pay it off and get my title back, stating they have still not received the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Dear who May Concern, I leased the XXXX XXXX XXXX, and I did set up an ACH automatic withdraw from my checking account for three years. Suddenly, the system stopped withdraw my money and reported delinquency to the bureau Agency. My lease was expired in XX/XX/XXXX, and there was a lockdown for a pandemic. That is why I couldn't return the vehicle, and they continuously ask for payment and late fees. I did contract XXXX XXXX few times to remove the delinquency on the bureau, and they responded, " there is nothing I can help, and you have to contact bureau agency, '' ; even though I had to make full payment on XXXX, XXXX and XX/XX/XXXX. I contacted XXXX  to dispute, but the result remained the same because XXXX can't contact XXXX XXXX. I couldn't reach the XXXX XXXX credit dispute center either because there is no contact phone number. I had an excellent 800s Fico, and it dropped to 600s because of XXXX XXXX ; they are violating UDAAP-Unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX a dispute was raise with Comenity Bank to get a refund on flights that was purchased. I was following the guidance of federal and state officials not to travel. The dispute was denied. I then called on XX/XX/25 and spoke to XXXX to redispute and was told that the dispute was resubmitted. I allowed over a month for the matter to researched and resolved. When I followed back up a month later was told that the dispute was not raised. I then spoke to XXXX on XX/XX/XXXX and he told be that he would resubmit the dispute the charge. I was then immediately denied without the ability to explain my position. I have attempted to work directly with XXXX XXXX  and they are not returning my calls. Comenity Bank has not work with me in " good faith '' and has failed to assist in my requests. They offered travel credit but due to my age and health conditions, I will not be able to travel for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: TX

Complaint narrative:
Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX filed ftc 45 days ago

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 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
To whom it may concern, I would like for your company to look in to this matter for me. I have been trying to solve this issue for a few years and just I got some information to reach out to you all. Back in XXXX the house we had was financed through XXXX, and the land was attached to the house as well. During the flood of XXXX the house was totally demolished, nothing was left of the home, nor was the home salvageable. FEMA and SBA ( SMALL BUSINESS ASSOCIATION ), financed the new home we are in now after being homeless for 2 to 3 months. The matter is XXXX would never give SBA the  pay off information, even though it was a check cut for the account to be paid off. we wrote letters, called, we went through measures to get them what was needed. We have not, or ever been behind in any way with XXXX. after 45 days of trying to communicate with them ( XXXX ), SMALL BUSINESS ASSOCIATION, close the loan so that we would not remain homeless. they sent the loan to SPS ( SELECT PORTFOLIO SERVICING ), whom I have tried to communicate with for years now, and to no prevail with them as well, the sent me a letter for a Right to Cure. I have reached out to several companies, lawyers, and friends never be able to solve this problem with them either because as I said to them XXXX dropped the ball and passed the mess to them in the amount of XXXX of rears payment but totaling XXXX XXXX, 0.25 acres do not cost that much and I hope that you all can help. The right to cure date is XX/XX/XXXX thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit borough reporting information from a third-party agency that is not accurate and would not provide accurate information to me about the item such as my Social Security date of birth and address and how is it being reported refuse to give me information

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 2020-07-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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