vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: AZ

Complaint narrative:
close to End of XXXX of XXXX I asked the details about the process at Lexington Law Firm... just as they advertised on the phone that it takes 90 day to get things removed. said they are 100 % sure they can take care of this for me. I informed them i need this done in 6 months during that time frame I fixed my one of my reporting on my own i informed them and they asked me to send the paperwork to them. Next thing you know i get an email saying THEY had success removing an item of my credit report. and listed the one I sent to them in the first place. I paid {$120.00} per month for 6 months straight with ZERO Success on their part. All lies. I than read the review, it was 3.2 on XXXX. i spent money on and expecting ANY type of results which I never got. I disputed the item in XXXX and they reached out to give me one month free RE Explained the process to me, which by the way was totally different they what they first told me. At this point I was just fed up. I have went back and forth with them never being able to talk to an ACTUAL ATTORNEY. instead the paralegal who have no idea what they were doing. Now my bank says its past the 90 day so they refuse to help me and thus why I am reaching out for help. I spent {$770.00} not including XXXX ( free month ). My credit score is still the same, no changes. i have attached the reports showing XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - its still the same. ZERO CHANGES. I work hard for my money and I had been so let down by a company who I was not even allow to talk to an actual attorney. I was so let down by them and taken advantage by. I don't know what more I am capable of doing to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello! 
I got XXXX credit card by Citibank, and one day I got e-mail, -I think its fraud, but its say something suspicious going on with my account, I log in online to my account- and see message need contact asap by phone- so I call, and I contact with customer service representative, this lady say will contact with me- to prove me is me, OK, I wait 2 days- nobody contact, call again and ask supervisor- again explain- and this lady also say-will contact with me,- and nothing happens. Now- I have credit card blocked any transections, and I have no idea- with who I suppose contact more????

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 2022-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I pretty much have a mortgage in my name through Wells Fargo. Evidently someone used my social security number and my birthday to open up an account a mortgage at that without my permission. I think the first XXXX letters of the mortgage name is XXXX clearly this needs to be taken care of. I have never had a mortgage never signed for a mortgage never even own my own home much less have a mortgage in my name with Wells Fargo so with this being said someone needs to get on it. My name is XXXX XXXX XXXX and my social is XXXX XXXX and my phone number is a XXXX so if you could give me a call so we can resolve this issue. As well as XXXX XXXX have an anime card in my name and account in my name and I have a credit score XXXX I don't understand how anyone can get an XXXX XXXX account was that credit score. Not only does XXXX XXXX but XXXX and XXXX have account in my name under my social. I contacted both of them and try to get on do the online account to see what was going on but I could not. And the representative that I spoke with said they couldn't do anything about it because I didn't know the account number well considering I didn't open the account how would I know the account number so but they had my phone number Social Security number birthday everything on file all accounts in my name without my authorization. Please give me a call and we can't proceed to push forward thank you very much.

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 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent letters to all three credit bureaus stating that the inquires did not belong to me and I did not authorize them at all. These letters were sent out XX/XX/2021 and I have yet to receive a response and when I call customer support they say that they cant remove it without me filing through you all.

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 2022-02-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had multiple discrepancies on my credit report and I have asked for the information to be verified and removed. Neither has happened and I also wrote a demand and comply letter. I still have not received a response or any information that may have verified the discrepancies. This means the credit bureaus have also not complied with there policies.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under Customer Statement with TRANSUNION they have a comment in which I Never asked them to place on my Credit Report, this comment only shows up under TRANSUNION. I would like the following statement removed from my TRANSUNION CREDIT REPORT IMMEDIATELY. The statement is impacting my approvals with other lenders. 
STATEMENT REPORTING : NATURAL OR DECLARED DISASTER VICTIM. I AM UNABLE TO MAKE TIMELY PAYMENTS DUE TO THE IMPACT ON MY JOB/WAGES AS A RESULT OF THE COVID 19 PANDEMIC. NATURAL OR DECLARED DISASTER VICTIM. HURRICANE HARVEY/COVID19

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under Customer Statement with TRANSUNION they have a comment in which I Never asked them to place on my Credit Report, this comment only shows up under TRANSUNION. I would like the following statement removed from my TRANSUNION CREDIT REPORT IMMEDIATELY. The statement is impacting my approvals with other lenders. 
STATEMENT REPORTING : NATURAL OR DECLARED DISASTER VICTIM. I AM UNABLE TO MAKE TIMELY PAYMENTS DUE TO THE IMPACT ON MY JOB/WAGES AS A RESULT OF THE COVID 19 PANDEMIC. NATURAL OR DECLARED DISASTER VICTIM. HURRICANE HARVEY/COVID19

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 2022-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
On XX/XX/2020 i signed for a contract that was not a Truth in Lending contract. On XX/XX/2020 another contract was created without my consent and their was a electronic signature that I was never aware of. Also it doesnt disclose a proper finance charge, and the monthly terms that I was told to pay does not make sense. They spelled my name incorrectly, and next to the contract number where it says salesman, the information on was whited out. It says the loan amount is {$18000.00} and the monthly payment from the bank app says {$650.00} for 48 months so in total that would be {$31000.00}. I want to know where is the extra {$12000.00} coming from. I feel violated, their is fraud in this transaction. Also on the bottom of the photo which i attached i see XXXX XXXX name on there. I want to know what that is about.

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 2022-02-04 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: GA

Complaint narrative:
XXXX ACCOUNT NUMBER XXXX IS REPORTING A LATE PAYMENT ON MY ACCOUNT. THIS IS INNACURATE INFORMATION AND IS BEING REPORTED TO THE CREDIT BUREAUS. PLEASE REMOVE FROM REPORT ASAP.

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 2022-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My wife had a Capital One credit card in her name and she passed away on XX/XX/22. We were dependent on my wife 's social security income and pension which have both been discontinued upon her death. I am unable to afford to continue to pay this credit card with a balance of {$2100.00} on my social security income. I called Capital One on XX/XX/XXXX to ask if they would negotiate a lower interest rate from 22.9 % which I always felt was taking advantage of us due to our advanced age. With the minimum monthly payment my wife was making, she was barely paying towards the principal. I need help to deal with this debt and the credit card company did not care about my current financial situation or death of my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I requested a free copy of my annual credit report from Equifax. I received the report on XX/XX/XXXX. That same day, I reviewed the report and noticed a glaring error. It contained an incorrect DOB for me. I called that day and spoke with someone who told me to file a dispute. On XXXX XXXX, I filed an online dispute at myequifax.com via my account. I provided a copy of the front of my Driver 's License, as this was an appropriate document to provide for verification purposes as listed on their website. The investigation into my dispute ( confirmation # XXXX ) was closed that same day. Subsequently, I called and spoke to an agent, asking for clarification as to why the update ( which he correctly confirmed over the phone ) did not match my credit report online ( accessed by myequifax.com ). I called a second time on XX/XX/XXXX and spoke to yet another agent, asking for clarification again as to why my DOB on my online credit report does not match the correct DOB for me which he was able to telephonically confirm. He assured me it is updated in " their system. '' However, it does not match my credit report accessed through Equifax 's own online credit service, myequifax.com. I do not understand why the data Equifax has is not reflected in my credit report using their own software ( myequifax.com ). This concerns me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: LD Holdings Group, LLC
State: TX

Complaint narrative:
Trying to get a new card for gas after talking to the credit card people LoanDepot is reporting my mortgage payment as {$130000.00} when it is really {$1700.00}. 
I am being told that it makes my debt ratio way to high to get even a credit gas card. 
If this is correct, they need to report is correct RIGHT NEW!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-04 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXXn cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
i had been an american express member for about 20 years, i saved up 695,000 reward points .... in XX/XX/XXXX the app that amex pushed me to use for paying the balanace and also has a reminder feature DID NOT remind me and i missed a payment, this is the only payment i have EVER missed. 
i only knew this when a charge was declined ... after calling amex they informed me i was now paying a " peanalty rate '' over % 30 .... needless to say i was frustrated and the conversation turned nasty. 
** I DID raise my voice a bit and criticized the company, NEVER attacking anybody personally... 
days later i called back with a calmer voice and the customer service supervisor told me she would revert the rate back to the standard % 18, refund the fees, and also apologized to me... 
***** my balance at the time was appx 12k, i informed this personi was going to pay about half, and then use my points balance to pay off the remainder but that i would wait until XX/XX/XXXX to do this for tax reasons .... 

i was gutted about 3 weeks later, early XXXX when they shut off the card, canceled the account and DELETED the 695,000 ( + 6k from last payment ) reward points!!!!! 

its clear this was retaliatory, when i called for the last time the person i spoke to said it was due to my offensive comments made during the 1st call... but during the 2nd call they apologized and they refunded the charges so i feel completly screwed by amex that they encouraged me to collect these points for almost 20 years only to steal them from me .... the cash value is over {$6000.00} PLEASE PLEASE HOLD THEM ACCOUNTABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ACCEPTANCE NOW XXXX Balance - XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 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 2022-02-04 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XXXX and XXXX I was a victim of fraud. Someone stole my social security card and state ID, and then opened fraudulent accounts in my name. I have a police report when my identification was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
1. I have never had an account with these companies XXXX XXXX  XXXX XXXX  with Account Number : XXXX, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are XXXX XXXX  XXXX XXXX  the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )

Company response to consumer: Closed with explanation