vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 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: NJ

Complaint narrative:
I paid in right time. XXXX associate did some mistake even though I paid correctly. I spoke to the associate in phone and they told mistake is at their end. But, the latepayment of 30 days, still showing in my credit report. XXXX has to fix this issue and report correctly as I paid in right time and mistake happen from their side.

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 2020-10-21 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: NJ

Complaint narrative:
I paid in right time. XXXX associate did some mistake even though I paid correctly. I spoke to the associate in phone and they told mistake is at their end. But, the latepayment of 30 days, still showing in my credit report. XXXX has to fix this issue and report correctly as I paid in right time and mistake happen from their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: NJ

Complaint narrative:
I paid in right time. XXXX associate did some mistake even though I paid correctly. I spoke to the associate in phone and they told mistake is at their end. But, the latepayment of 30 days, still showing in my credit report. XXXX has to fix this issue and report correctly as I paid in right time and mistake happen from their side.

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 2020-10-21 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Lost card and requested new card to pay the bill online. Citibank not sent credit card in right time to register at online pay the bill. 

Now, they are showing 30days delay.

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 2020-10-21 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: U.S. BANCORP
State: WI

Complaint narrative:
I opened a Fidelity Rewards Visa Signature credit card from XXXX, but in these latest two years, I didn't use it. This XXXX, I received a call from this credit card company, and they told me that I owe them {$180.00}. I'm so confused about this money because I didn't use this card for a long time. They told me I was charged {$25.00} on XX/XX/XXXX, and I didn't pay the bill, including all the late fees and interest. I owe them {$180.00} in total, and they also closed my account. I lost all the reward points earned at this account. I talked to them. I haven't used this card for a long time. I didn't know why I was charged and why I have to pay this money. In the end I still paid the money because if I don't pay, they'll keep charging the late fees and interests. At the same time, I also filed a fraud case. About a week later, they found out that the {$25.00} charged on XX/XX/XXXX was fraudulent. They agreed they would refund me {$180.00}, but they can't reopen my account. I had about XXXX points in that account, and I would lose about {$1200.00} if my account can't be reopened. I believe it's all due to miscommunication. I didn't even know there was a fraudulent charge on this card since I didn't use this card for a long time. 

By the way, I also found that some of my rewards points were expired. The Fidelity Rewards Visa Signature credit card I used is described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card It clearly states, " Every eligible net {$1.00} spent equals 2 Reward Points. No limits on total Reward Points and no restrictive categories, Reward Points will not expire ''. I was never told that the reward points would expire and there wasn't any place I've seen that indicated that the points would expire, so I never thought of checking my rewards status. Recently, I checked my statements and realized that there are only XXXX points left in the account, while my record showed on XX/XX/XXXX that there were still XXXX points in the account. and I never redeemed the points since the card webpage said " Reward Points will not expire ''. 

I hope they can reopen my account with all of my reward points reinstated.

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 2020-10-21 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
ONCE AGAIN I HAVE ASK XXXX TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
ONCE AGAIN I HAVE ASK XXXX  TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: NJ

Complaint narrative:
Lost card and requested new card to pay the bill online. XXXX not sent credit card in right time to register at online pay the bill. 

Now, they are showing 30days delay.

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 2020-10-21 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: NJ

Complaint narrative:
Lost card and requested new card to pay the bill online. XXXX not sent credit card in right time to register at online pay the bill. 

Now, they are showing 30days delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: NJ

Complaint narrative:
Lost card and requested new card to pay the bill online. XXXX not sent credit card in right time to register at online pay the bill. 

Now, they are showing 30days delay.

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 2020-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Fleet Financial, Inc.
State: CA

Complaint narrative:
Yesterday, XX/XX/XXXX I was called on to refinance an auto loan for my XXXX XXXX XXXX, I applied via lendingclub, and XXXX from " iLending Direct '', phone number XXXX reached out to me and told me I was approved and qualified for an auto loan refinance through their company as an intermediary for a loan from XXXX XXXX XXXX XXXX, we went over all the specifics and told me I was for sure approved for this refinance and was asking me to authorize a hard credit pull be done to complete the steps to refinance. I then sent him my license, auto registration, insurance docs, and odometer reading and VIN. This morning at XXXX PST he sends me " we got an approval back for you buddy '' I chat with him again and provided the 2 referral sources he asked for. By XXXX PST I received another call, regrettably denying me for this same loan I was previously coerced to do a hard pull for. He said, I'm sorry, I'm new here and I didn't know that California auto notes need to be made for at least {$10000.00} ( mine would have been for XXXX after a {$1600.00} deposit ), he says " I messed up, but hey, at least I learned something today. '' I feel like I was bait-and-switched and taken advantage of, now, my credit report has another hard inquiry because of the negligence of the company and the ignorance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I first spoke to a XXXX XXXX agent. They were unable to verify credit reference due to security alert. I was transferred directly to XXXX. Please acknowledge this - I have been two months trying to reach a person by phone at all the credit bureaus. Today it took almost an hour to finally get a person to talk to. I have also made many effort to use the online services and I get - no such account, you may have an account - over and over until I am locked out and not do any more. Today after talking the smart A -- who took my information, in order to  verify my identification finally asked me the XXXX $? which I could not do because I have never been able to get into my account and the time has lapsed so long that I have forgotten the darn answer. Therefore, now I have to prove my identity by providing documentation. I was given the web site to use and guess what, I was locked out and every document that I took hours to put together, copying, scanning and uploading has now been erased and my next option is to mail everything in. I tried to  call, the hours for today, close at XXXX. I call @ XXXX and sorry we are closed. What's with these people. Enough is enough!!!!! This is MY LIFE and MY CREDIT, they do not own me and I want my information, a score without paying and the security alert lifted so I can move on. Thank you

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 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have a XXXX balance receipt from XXXX XXXX from when the account was settled via payment and ADA laws. I have attached my final receipt from XXXX XXXX. Please remove this forthwith from my credit reports You have 100 % left to pay on this collection.

Balance {$340.00} Highest Balance {$340.00} Opened XX/XX/2020 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX XXXX Creditor Information NATIONAL CREDIT SYSTEMS INC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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:
The account informations and addresses are not mine. 
XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX   XXXX XXXX  Account Number XXXX OFFICE OF THE ATTY GENER Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX/XXXX  XXXX   Account Number XXXX XXXX/XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX # XXXX  XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX MAIL RETURN XXXX XXXX, TX XXXX POST OFFICE BOX 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 2020-10-21 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 I received mail from U.S Bank ReliaCard with a debit card attached. I did not authorize nor did I apply for any account and/or benefits associated with this account.

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 2020-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am a Victim of fraud.Some how my Checking account and savings account was depleted with ill activities that has left me owing Chase Bank. I first noticed that my cell phone, was missing on XX/XX/XXXX. I thought i had left it in my car. Since i was not feeling well, i thought nothing of it, I have a land line. my friends and family can always reach me. When i left the house on the XX/XX/XXXX i couldn't find it in the car. next i went to the grocery store. When i went to pay for my groceries I then noticed my Bank debit card, driving licenses and social security card was missing. I immediately went directly to my bank. To my shock i was given a print out of all the fraudulent activity on my accounts.They gave me a new checking and saving acct #. The bank was closing so they gave me two numbers to call. The  fraudulent activities started on the XXXX and ended on the XXXX of XXXX. I submitted my claim three times and was denied three times. the reason the claims were declined, according to Chase was that whoever used it knew the pin number. i have never given my pin number to anyone nor have i written it down anywhere. This has been going on for over a month now. Finally after my disputing their results.  I was given a claim # and turned over to the corporate office on Ohio on XX/XX/XXXX. I also filed a Police report. I truly believe a young lady who was helping clean my house victimized me. She is the only person new in my life since COVID-19. I feel i am being victimized double. Once by the cleaning person and now by Chase. I'm going on  XXXX years old. I have several chronic illnesses that make me high risk for Covid. i have been Banking with Chase since XXXX with no problems and in good standing. I have an excellent credit score and on social security. I have trusted my check to go auto deposit since my retirement. I thought my money would always be safe and protected by FDIC. Now my savings accounts is missing my {$10000.00} and in the minus of {$8900.00} They claim I'm responsible for paying. Please help me I am a victim of elder abuse. When i first reported this to mybank branch, the banker told me i was lucky because a lot of withdrawals were made inside the bank and the camera 's should be able to show who it was. When i talked with one of the investigating clerk 's, i was informed that they didn't go that far. Once a week i go to church to pass out lunches. This is were i met XXXX the cleaning lady. who strangely I haven't seen since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: AL

Complaint narrative:
I am a victim of identity theft. My personal information has been compromised. Someone has opened up fraudulent accounts in my name. I did not authorize any of these accounts. I am a victim of identity theft and I am being further victimized by the bureaus. Please investigate these fruaudlent accounts from my credit report. I am trying to buy a home for my family and these fraudulent accounts are casuing me and my family emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: AL

Complaint narrative:
I am a victim of identity theft. My personal information has been compromised. Someone has opened up fraudulent accounts in my name. I did not authorize any of these accounts. I am a victim of identity theft and I am being further victimized by the bureaus. Please investigate these fruaudlent accounts from my credit report. I am trying to buy a home for my family and these fraudulent accounts are casuing me and my family emotional distress.

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 2020-10-21 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: AL

Complaint narrative:
I am a victim of identity theft. My personal information has been compromised. Someone has opened up fraudulent accounts in my name. I did not authorize any of these accounts. I am a victim of identity theft and I am being further victimized by the bureaus. Please investigate these fruaudlent accounts from my credit report. I am trying to buy a home for my family and these fraudulent accounts are casuing me and my family emotional distress.

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 2020-10-21 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: CT

Complaint narrative:
On XX/XX/20, I was charged a {$76.00} charge from a company called XXXX XXXX out of MN. I live in CT and have never been to MN. I disputed this with my credit card and did receive a new credit card ASAP. However, I have called my credit card company 5 times to get the charges reversed and they have failed to do so.

Also, I pay by bill in full and on time every month. Every month they charge me a finance charge which I have to fight to get back. This month it is {$12.00}.

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 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
they have been charing me all these ridiculous balance tranfers fees for years which were way too high and way out of line I finally am able to the account off I paid XXXX less asking for at least a XXXX interest back they charged way too interest over the years on these balance transfer fees all my charges are all paid and the rest of XXXX is part of this crazy interestet over the years I have contacted here corp offices and its been a month none of there employees want to help atl one of the ladys called me 3 weeks and have not heard a thing since then this corp office employees horrible have no clue what they are doing I am upset and want my at  least a XXXX of my intesest back

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 2020-10-21 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: IN

Complaint narrative:
There are multiple hard inquiries on my credit that are not mine from someone using my ID information to shop for cars online at least three times a day if not more sometimes with the same car lot or loan companies I asked the credit bureau I disputed though and they keep telling me I have to wait two years to get it cleared

Company response to consumer: Closed with explanation