vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had 3 late payments on XXXX XXXX XXXX  account, and 1 late payment from another source that occurred in 2018. However, these accounts were paid in full as soon as I became aware of their status. I am ALWAYS on time and pay in full. I carry only 3-4 % debt ratio, and have a habit of always paying on time. However, the credit rating I have been assigned by Experian is good. This is I feel a leveraged attempt by Experian to blackmail me into paying for Boost their product in which people pay them for an increase in their credit rating. This is extortion, this is a blatant conflict of interest, and this should be outlawed. Experian should be investigated and charges filed against them. I have sent numerous complaints to them about my suspiciously low credit rating and I have received no positive response. They either are : a ) trying to extort money from the public or b ) the markers that are used to ascertain an individuals credit rating are hopelessly deficient. I would like a full investigation into Experian and the methods in which I have arbitrarily received only a good rating.

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 2020-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My wife and I are trying to refinance our existing mortgage and were told we needed to close our home equity loan which we haven't drawn on or carried a balance on in nearly 4 years. Approximately 4 years ago my wife attempted to close the home equity loan and we paid all fees however unknown to us Citizens Bank charged a continuous annual fee of {$50.00} despite her request to close the  account and us not using the account. Now 4 years later when my wife called again to close the home equity Citizens again advisded her that they would be charging us the accumulated fees again inorder to close the account and advised that we also needed to provide a written letter to close the account which seems like an undue burden and would appear to be the root cause for why were were charged a continues fee desipte not receiving any services or active communication. Moments after my wife advised me of the fees I immediately called to inquire, dispute, and ask for relief or assistance. I was denied at which point I asked for my compliant to be escalated. I was informed that I would receive a return call within 48 hours. During the time where I As I asked questions of the corporate office employee, XXXX XXXX, she became frustrated with me and disconnected our call and I'm now out of options. I advised we are experiencing financial hardship and did not want to pay the fee at this time but due to the delay in the return call ( 76 hrs vs 48 ) and despite there being an active complaint relative to this fee Citizens debited the fees from our account, has refused to advise of any asssitance or releif options, even as little as going back to the status where the fee continued to accrue. They have left us in a desparate situation furthermore they've required us to provide the written letter requesting closure of the account but still collected the lien release feel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
I took out an auto loan in XX/XX/2019. Ive consistently made payments toward the loan for the life of it so far. However, Ive noticed throughout these payments, usually made first thing in the morning on a Friday, that payments are not applied until 3-4 days, sometimes 5 or more days later. With a very high interest rate, Im concerned about all of the interest the late application of payment adds up to over time. The company my loan is financed through is Santander Consumer USA. Ive already paid half the value of the initial loan amount, yet nearly the entire principal amount remains to be paid. Statement details are extremely vague and clear answers from customer service on how this process works have been impossible to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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 purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$220.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX {$570.00}

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 2020-04-07 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 purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$220.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$140.00} XXXX   XXXX  XXXX {$570.00}

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 2020-04-07 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX I began getting emails from Barclays indicating that my account was past due. I only had the card for a month, so I had 1 statement, which I paid in full before the deadline. I called Barclays and XXXX told me he would remove the fees and interest charges and asked me to contact my bank the following Monday to see if I could substantiate the payment. I use XXXX XXXX  on line banking to pay bills. XXXX processed the payment on XX/XX/XXXX and estimated it was delivered to Barclays a few days later. They had a copy of the cancelled check. I contacted Barclays on XX/XX/XXXX and they confirmed that the fees and interest had been credited - although I was still getting messages that I was late - but was told nobody issued a Missing Payment probe to resolve the matter. I was told it would be initiated then. ( I had also emailed Barclays on XX/XX/XXXX to report the problem and as of XXXX I still have not had a response to that email. ) Today XXXX I attempted to use my Barclays card and it was rejected. I called Barclays again and was told that I needed to pay {$27.00} if I wanted to use the card before the matter was resolved on their end, which could take 25 days. Nobody told me it would take 25 days to resolve the matter. And nobody told me I would not have use of the card while they looked for a copy of my check WHICH THEY CASHED. All this over a {$27.00} fee that I do not owe. I had another complaint about Barclays last year, which CFPB helped me to resolve, but I was so unhappy that I cancelled the account. I went back this year because I had hoped to use the mileage. Frankly I think it was a mistake to reopen the account. They are impossible to deal with.

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 2020-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ONEMAIN FINANCE CORPORATION
State: KY

Complaint narrative:
loan was set up on auto pay and was takeing out on wrong date and payment was sent back, then was not contracted for 60days fell behind was told they could not do anything to help till 120 late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE TO OPEN UP FRAUDULENT ACCOUNTS PLEASE DO NOT OPEN ANY ACCOUNTS WITHOUT CALLING FIRST ( XXXX ) XXXX I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-04-07 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Back in XXXX of 2018 when I turned XXXX years old I applied for a AMEX credit card. Amex approved me for a blue cash everyday credit card with a {$2000.00} dollar limit. I was working at the time and making a living. I made 10 on time payments with that credit card until one month I lost my job and I could no longer make the monthly payment. This resulted in making one late payment for the month of XXXX in the year 2018. Through this hardship I tried to reach out to AMEX to see if they could work with me and forgive the late payment that happened almost 2 years ago out of a goodwill gesture and see if they could forgive my very costly mistake. Fast forward over 2 years later, I have made 20 on time payments and they still can't see past my one costly mistake. I have made an effort to make all my payments and be a responsible borrower, I would like to show AMEX that now at the age of XXXX I am a great person and I am someone who they can trust again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2020 a membership fee of {$59.00} was added to my Capital One credit card. I have a credit line of {$300.00}. and feel I am being discriminated against as a senior and low income individual. 

When and why can they charge this fee? 

I feel distressed. 
Thank you for reviewing this issue. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$510.00}

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 2020-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
It had been reported to all three credit bureaus that I have been late 60 days on the account. I have never been late nor have I been issued a late fee for being late. I contacted customer service for XXXX XXXX   and they confirmed all my payments by date and no late fees where issued on any of my statements, but still it has been reported as late on all credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 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: NC

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
For the past 3 weeks I have called Wells Fargo multiple times in order to close my checking account. Multiple times I still on hold a for a hour before the call being answered and dropped. THe one time I was connected with a person I was told I would need to call back because they say a transaction pending. I asked for them to call me back but they refused. I am trying to close my account since I was charged a fee unexpectedly. It seems like Wellsfargo makes it really hard to close your account so they can continue to charge consumers fees. This seems like a shady practice.

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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Was told once paid off they will removed account in its entirety. Showing up on my report as closed with XXXX balance. But should be removed period

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: NC

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: NC

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX HAS PUSHED THIS FILE TO THE XXXX XXXX XXXX WHO HAS KNOW FIRST HAND KNOWLEDGE OF THE THEFT I HAVE REACHED OUT TO THE XXXX XXXX XXXX BUT THEY ONLY SEND PAPERWORK OF BILLS THAT DO NOT BELONG TO ME I AM ABOUT TO FILE IRS FORM 3949A AND REPORT THEM TO THE IRS FOR COMMERCIAL FRAUD.

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 2020-04-07 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: TX

Complaint narrative:
I am needing to move out my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received the email below from Capital One. Not only is it deceitful in making it sound like there is a requirement that they report to credit bureaus, but they are threatening to report auto loans as delinquent if not paid within 30 days of the due date. Colorado has just extended the stay at home order and XXXX people filed for unemployment in two days. We are at the mercy of a system that is so overloaded right now that many of us don't know how we are going to buy food in 2 weeks. I'm not sure why Capital One feels the need to threaten collection reporting right now and I believe it violates portions of the CARES Act. ( As lenders continue to offer struggling borrowers payment accommodations, Congress last week passed the CARES Act. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. ) I was doing OK with this crisis until I received this email. My choices right now are to continue to comply with an Executive Order to stay  home and have my credit destroyed by Capital one or defy the order and go back to work so they can have their money. Please help! 

Email from Capital One : Credit Bureau Reporting Capital One is required to report a customers monthly account status fairly and accurately to the credit bureaus. We understand that some of you may need additional time to make your payment during this difficult situation. As a result of the COVID19 situation, your payments wont be reported as derogatory to the credit bureaus until theyre 30 or more days past due. If youre able to make your payment before it is 30 or more days past due, you wont be reported as derogatory to the credit bureaus.

Company response to consumer: Closed with explanation