vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
Fifth Third Bank sent out refy application XXXX XXXX. Started refy application, filled out packet sent back XXXX. Was sent email asking for information thru XXXX. Had delays because of Virus lock down, XX/XX/2020 asked for additional information. XX/XX/XXXX, emailed again, asking for same info.XXXX XXXX, XXXX XXXX called saying he could not find emails. Resent next day saying please contact to let us know you received info. Have not heard back since. Left messages on his phone everyday since, no reply. Asked XXXX XXXX, original contact to mail us the Home appraisal which we payed for up front. No answer either. Found Manager of refy left 12 messages on his voice mail, no return call. No one has returned a call, this is my only way to go now. Thank You for time XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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 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. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$18000.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. Iwas denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that soneone has been using my social security number to open up account I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX  XXXX {$290.00} XXXX XXXX {$2900.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$950.00} XXXX XXXX $ XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: Capitol Credit Services, Inc
State: IL

Complaint narrative:
I have been told by XXXX XXXX, the holder of my credit card account, that the way payments are targeted is due to the TILA. I have two balances ; one at an interest rate of 22 % and a higher amount on a promotional 0 % interest rate. We pay more than the minimum due, and I am being told that the minimum amount due is targeted to the lower interest rate amount and the remaining is targeted to the higher interest rate as per the TILA. Is this true? The higher interest rate, is a lower amount, but also the oldest amount. I would like to at least split the difference 50-50, but I am being told the TILA will not allow this. Please advise and thank you! 

I initially sent this request to the Federal Reserve, but they directed me to send it to you.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I don't recognize these inquiries, i have never applied for these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I booked a hotel room through XXXX using my Chase debit card online. I received my confirmation number, my receipt from XXXX. I went to the hotel. The front desk person took my card, put an authorization hold on it for 100 dollars as per the hotel 's procedure, then came up short. 

My room, it appeared, had workers in it, fixing something, and there were no other rooms. She apologized profusely and the general manager followed with a letter of apology in an email. The hotel refunded the hundred bucks for the deposit and offered me a future free night 's stay.. 

I called XXXX. XXXX, in turn, checked with the hotel to confirm. Supposedly, my .oney would be returned. But it never was. 

So, I filed a dispute with Chase, my bank. I received a provision a.d l credit, which was ripped back away from me at a very inopportune time. 

Chase said that XXXX said that they had small print, guidelines, caveats. Chase told me to submit evidence and reopen the sispute. 

So, I fwded to Chase, the email from the hotel apologizing for the lack of room. 

Didn't hear back. When I called chase to inquire, I was told that you CANT reopen a dispute. So I disputed it online, received a provisional credit, and, again, had it removed, or debited, from my account when I didn't see it coming, at a very bad time. 

I refuse to pay for a hotel I didn't get to be in. Now, XXXX has no info about the affair and they say to contact my bank to dispute and my bank says for me to contact XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: FL

Complaint narrative:
Back in XXXX, I made a transfer payment from XXXX XXXX credit card to my Bank of America credit card ending in XXXX in the amount of {$3800.00} and my original balance was {$4000.00}. Which I should have been left with {$200.00}. The {$200.00} was paid before XX/XX/2020. At this this time I was not owing any balance. A week later i saw on my statement stating i was again owing over {$4000.00}. I went to a local Bank Of America branch here in XXXX Florida to make a complain and I explained my situation to a Banker and I was told BOA didn't receive any amount that I should call XXXX bank. I went to XXXX local branch to find out why the money was not sent and they said it was sent to BOA and they received it. I ended up telling XXXX to retrieve the {$3800.00} back and i will just pay directly to BOA. So i started paying to BOA from {$3800.00}, i continued my payment till it was {$3300.00}. Two days later, i saw my online banking stating, I was now owing over {$7000.00} from BOA. I do understand I was owing them {$3300.00}. I was really confused why they said I was owing {$4000.00} again. So, I decided to make another bank transfer from XXXX credit card in the amount of {$3300.00} to BOA to avoid the interest promo given to me. To my understanding, I shouldn't be owing BOA any amount. So, the {$4000.00} i believe was a mistake. I contacted BOA and told them about the mistake but there was no clear understanding. I am in need of help because I can't afford to give out any money I don't owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: TN

Complaint narrative:
I look at my credit report and I notice fraudulent and inaccurate accounts reporting on my 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 2020-05-05 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 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. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$18000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00}

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 2020-05-05 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 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. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$18000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00}

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 2020-05-05 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: TN

Complaint narrative:
I have sent several despite 's to experian regarding a account that DOES NOT BELONG TO ME! Experian contacted the account holder which is XXXX XXXX XXXX. XXXX XXXX sent me a letter asking to contact them and I did by mail and also by phone. I spoke to XXXX XXXX and also to XXXX XXXX which they couldnt find the so call account at first and then when they did find it, it wasnt my full name and they had a address that wasnt associated with the city or state I have lived in for over 30 years. So they advise me to contact the identity theft department which I did I called XXXX XXXX XXXX and I left a message and I havent received a call back. I contacted XXXX and the person wouldnt repeat there name and I asked to send me proof of this account and I have received any documents at all! I called experian XX/XX/2020 at XXXX I spoke with a young man which I told him every word that I am typing in this complaint. I stated the company havent sent me proof of this account and they are keeping on my credit report, so I asked experian could they provide me the proof of the account that XXXX XXXX sent them to verify that the account is mine. The experian employe on the phone said THEY DIDNT SEND OR PROVIDE US WITH ANY DOCUMENTS THAT THIS IS YOUR ACCOUNT and they couldnt send me proof because they dont have it!!!! I have follow every step and Experian is breaking the law by not blocking this account which this has cost me allot and have been a major burden!!! Under section 611 ( a ) ( 5 ) ( i ) experian are required by law to verify the accuracy of the account in question with documentation showing my signature on any contract that relates to the creation of the said account! The law is clear that a credit reporting agency does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response! Which is what they have done here! Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I don't recognize these inquiries, i have never applied for these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I don't recognize these inquiries, i have never applied for these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Not able to connect checking account to existing XXXX or XXXX XXXX for automated savings Tuesday, XX/XX/2020 : Customer service call to Capital One 360. The customer service employee informed me those two applications no longer were supported because they didn't want to support them. After researching the topic online, I realized Capital One did a software update about a year ago that made it impossible to connect new accounts to those applications. Since it's been a year, I can assume they have no intention of changing that and should have clearly explained that during the account sign up process. I would not have signed up for the checking account had I known they didn't work with my savings and investing plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried multiple times to log into transunion website only to be stopped with multiple up sell tactics in order for me to receive/request my credit report. so that I may begin to try and work on certain information within it. Their site has set within it, various add-ons that prevent the average consumer access to logon with many distractions. I can not file a complaint with them because I can not get past more expensive products being hocked from their company. What with the more than over XXXX or XXXX XXXX the company takes in annually, they shouldn't miss my rather pentence I may receive on a monthly basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 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: NY

Complaint narrative:
To Whom It My Concern, I was looking at my credit report on XX/XX/XXXX. I had noticed o the hard pull Inquiry 's and there is a lot of stuff on here I never authorized, Isn't mine and that I am unfamiliar with. Under the fair credit reporting act I was hoping you guys could look into this and hopefully these Inquiry 's which I feel I didn't make unless provided proven paperwork stating otherwise. I have tried calling some of these companies as I believe this to be Inaccurate and possibly fraud. The customer service on these companies is terrible. Here are the items I am disputing. I Just want all the inaccurate information off my credit report. I will also attach a picture of my credit report with this false Information. XXXX XXXX XXXX XX/XX/XXXX I didn't Authorize. XXXX XXXX XX/XX/XXXX I am being hit twice on the same day I didn't Authorize that. XXXX XXXX XX/XX/XXXX I spoke to them Early XXXX they had said they would remove that and never did. XXXX XXXX XX/XX/XXXX I never authorized. XXXX XXXX XX/XX/XXXX I Never authorized. Everything stated above I never gave anyone permission to run my credit. Okay lastly XXXX XXXX XX/XX/XXXX I believe this was a credit card increase they had said would be a soft pull inquiry and that was the only reason I did it. If anybody has any question for me please feel free to reach out as I would like to resolve this matter as soon as possible. I understand with Covid-19 everyone going through hard times. I just want to have accurate information on my report to all the major credit reporting companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Due to COVID-19, I had experienced an unexpected financial hardship. On XX/XX/2020, I contacted XXXX customer service and was assisted by a rep by the name of, XXXX. I advised the rep of my financial hardship due to COVID-19 an asked if XXXX could notify the credit reporting agencies of my hardship instead of reporting me as delinquent ( I was advised I was 61 days past due ), which would cause substantial financial harm to and would lead to me paying higher interest rates, not being approved for loans and potentially being denied for employment ). XXXX advised me to contact the credit reporting agencies directly, which is deceptive. Per 1022.43 ( a ) ( 4 ) - Direct disputes, the furnisher is required to conduct a reasonable investigation of a direct dispute. I have had an excellent payment history for the previous 33 months without any issues. As required by 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), I ask that XXXX update my status with the credit reporting agencies due to the COVID-19 to avoid harming my due to circumstances outside of my control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Due to COVID-19, I had experienced an unexpected financial hardship. On XX/XX/2020, I contacted XXXX customer service and was assisted by a rep by the name of, XXXX. I advised the rep of my financial hardship due to COVID-19 an asked if XXXX could notify the credit reporting agencies of my hardship instead of reporting me as delinquent ( I was advised I was 61 days past due ), which would cause substantial financial harm to and would lead to me paying higher interest rates, not being approved for loans and potentially being denied for employment ). XXXX advised me to contact the credit reporting agencies directly, which is deceptive. Per 1022.43 ( a ) ( 4 ) - Direct disputes, the furnisher is required to conduct a reasonable investigation of a direct dispute. I have had an excellent payment history for the previous 33 months without any issues. As required by 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), I ask that XXXX update my status with the credit reporting agencies due to the COVID-19 to avoid harming my due to circumstances outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Due to COVID-19, I had experienced an unexpected financial hardship. On XX/XX/2020, I contacted XXXX customer service and was assisted by a rep by the name of, XXXX. I advised the rep of my financial hardship due to COVID-19 an asked if XXXX could notify the credit reporting agencies of my hardship instead of reporting me as delinquent ( I was advised I was 61 days past due ), which would cause substantial financial harm to and would lead to me paying higher interest rates, not being approved for loans and potentially being denied for employment ). XXXX advised me to contact the credit reporting agencies directly, which is deceptive. Per 1022.43 ( a ) ( 4 ) - Direct disputes, the furnisher is required to conduct a reasonable investigation of a direct dispute. I have had an excellent payment history for the previous 33 months without any issues. As required by 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), I ask that XXXX update my status with the credit reporting agencies due to the COVID-19 to avoid harming my due to circumstances outside of my control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: TN

Complaint narrative:
I look at my credit report and I notice fraudulent and inaccurate accounts reporting on my credit report

Company response to consumer: Closed with explanation