vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been trying for days to get in touch with Citi Card 's customer support with no success. All I need is for them to remove an authoried user - a request which they REQUIRE you to call customer service for, it can not be done online or through their app. 

It is a simple request, but has taken days ; last night I fell asleep waiting for them to finally answer. By the time an associate was available ( 3 hours later ) I had already fallen asleep because it took so long.

It is literally impossible to get in touch with a live human being at Citi Cards right now, even though they require me to for this type of request.

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 2020-04-11 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received a hard inquiry from SyncbXXXXpaypal  on my XXXX XXXX Credit report on XX/XX/2020 without my authorization. I do not know who this company is and where they got my information from and why they pulled my credit. I contacted paypal via mail on XX/XX/2020 informing them of the unauthorized inquiry on my credit report and I have not yet received an acknowledgment of my concern and complaint. I also called ( Syncb ) Synchrony Bank to see if they were the ones who pulled my credit report without my permission and was told they did not have no information or application on me and they could not find me in their computer / System. After unsuccessful researches and responses, please research and remove this inquiry from my credit report. 

Thank You, 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 non-monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: PA

Complaint narrative:
Social number XXXX I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$680.00} Opened XXXX XXXX XXXX {$4700.00} Opened XX/XX/XXXX XXXX XXXX {$1600.00} Opened XX/XX/XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$810.00} Opened XXXX, XXXX XXXX {$490.00} Opened XX/XX/XXXX XXXX XXXX {$880.00} Opened XXXX, XXXX, XXXX XXXX   XXXX XXXX {$0.00} Opened XX/XX/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 2020-04-11 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 would like to request a security freeze placed on my Credit Report. 
I choose to opt-out of your disclosing future information until further notice including the any access to my personal financial ID and SS #. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. I have several errors on my file from my addresses name and unverified account. Fist up My accurate and only name is XXXX XXXX XXXX please remove any other variation of my name. Please remove the following SS XXXX it is not mine SS # my correct SS XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX please delete/remove the following XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2020-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In the XXXX, my employer opened a retirement account for me at TIAA ( https : //www.tiaa.org/public/index.html ) -- I was in my XXXX,  left that employer after three years, and mostly forgot about the account. 

A few weeks ago I decided to look into it and learned that I could have started withdrawing funds seven years ago. The total had grown substantially, and I started sending TIAA emails and making phone calls, having read online that the organization can be a challenge to deal with. TIAA representatives told me that I could only withdraw a portion of the funds now, with the remainder paid out as an annuity over the next decade. I agreed to that, and gave them my bank account info so that they could do a direct deposit. 

And then, an insurmountable obstacle : they need my husband to sign a notarized waiver agreeing to the deposit. I explained that we were under a Shelter in Place order, that our bank account is in both names, and that California is a community property state. To no avail. I was told I had 30 days to get my husband 's statement notarized. Obviously, that is not going to happen within their timeframe. 

I understand their reluctance to give me my money, but it is hugely frustrating to be in this situation with no recourse. I value any guidance you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/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 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/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 2020-04-11 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: PA

Complaint narrative:
Social number XXXX I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$680.00} Opened XXXX XXXX XXXX {$4700.00} Opened XX/XX/XXXX XXXX XXXX {$1600.00} Opened XX/XX/XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$810.00} Opened XXXX, XXXX XXXX {$490.00} Opened XX/XX/XXXX XXXX XXXX  {$880.00} Opened XXXX, XXXX, XXXX XXXX   XXXX XXXX {$0.00} Opened XX/XX/XXXX XX/XX/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 2020-04-11 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$21000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 3. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my 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 2020-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a Charge Off account reported on my credit bureau report as recent as XX/XX/XXXX with XXXX XXXX XXXX. However this is a charged off account thats been charged off since XXXX. They are reporting this information as if it is recent and it is damaging my credit score.

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 2020-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On all 3 of my credit reports. It shows that it has not been updated since XX/XX/XXXX. Current balance should be {$450.00} monthly payments are being made monthly on the XXXX of each month. I am totally reviewing the reported pulled XX/XX/XXXX and no update for XX/XX/XXXX. Then XXXX it should be XXXX. Need assistance because I was told there is nothing they can do and they hung up on me. 

Account # XXXX opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: IA

Complaint narrative:
I opened a personal loan with One Main Financial for the amount of {$6500.00} in XXXX of XXXX to cover medical expenses. My balance currently sits at {$5800.00} as of XX/XX/XXXX. 

Paid my XXXX payment 17 days early ( I always pay early. ) 99.98 % of my payment went to interest. Paid XXXX 's payment 19 days early and 99.97 % of my payment went to interest. I always automatically make payments early without even checking. I knew interest rate was high when I started the loan, but this is absolutely ridiculous. 

At this rate, it would be absolutely impossible to pay off this loan in my lifetime. 

I can provide statements to support my claim if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I am concerned not only with the balance on my credit report with Prestige Financial being incorrect and as to how it is reporting on my credit report. I have sent several letters out to Prestige Financial in XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have asked for Certified Letter with return receipt, reinstatement letter, notice of sale, as well as how much the vehicle was sold for and any possible deficiency letter. 

The only response I got from them was changing my XXXX   report from closed to repossessed in XX/XX/XXXX and XXXX   and XXXX shows a charge-off balance of {$22000.00}. The main issue is I took a loan out for around {$18000.00} in XXXX this vehicle was repossessed in XXXX and it was also sold in an auction. Prestige appears to be charging me for the original loan amount, fees I am not aware of, but has not reduced the true amount of what this vehicle was sold for which would have reduced the amount that would have been owed on my credit report. Instead they are trying to make money twice by selling the vehicle and not giving me the requested documents I have been asking for, for over 3 years as well as trying to make me pay a higher price than the loan amount, after selling the vehicle and not providing a deficiency letter. 

Due to no responses I contacted XXXX, XXXX  and XXXX  to notify them of the discrepancies and the account remained the same. No response from them. Please assist! 

This account is not only reporting incorrectly but their are a lot of discrepancies, such as the payment history. Each report is showing different payment histories as well as, current balance is higher than the original balance on all reports. All 3 of the credit bureaus are also reporting different statuses. All 3 reports are showing different last payment dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: TX

Complaint narrative:
Address : XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I moved to my current address XX/XX/XXXX, I just signed another year lease. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Reported XX/XX/XXXX. I do not know this address, I never have been associated with this address. 

XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Reported XX/XX/XXXX I do not know this address, I have never been associated with this address. 

XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I have never associated with this address ; I do not know this address and never have been associated with this address. 

In addition, XXXX has my name missed spelled. My name is XXXX ' XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Address : XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I moved to my current address XX/XX/XXXX, I just signed another year lease. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Reported XX/XX/XXXX. I do not know this address, I never have been associated with this address. 

XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Reported XX/XX/XXXX I do not know this address, I have never been associated with this address. 

XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I have never associated with this address ; I do not know this address and never have been associated with this address. 

In addition, Transunion has my name missed spelled. My name is 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 2020-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Upon review of my records, I realize that I did indeed miss the payment deadline with Capital One in XXXX and XXXX of 2019. I was using the paperless billing function but for some reason I stop receiving the paperless statements, nor did I started receiving them in the mail. So, this is when I decided to set up a reminder in my phone. I have not missed a payment since. I have made sure it wont happen again. I have not missed a payment since. I have contacted the company and they told me they would not give me a courtesy deletion because it has been a year. I began explaining to the customer service rep that is has not been a year and we got disconnected. I have tried to call back but the wait time is extremely too long due to the Coronavirus. They are having 2 hour wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: VA

Complaint narrative:
I went to XXXX XXXX  onXX/XX/XXXXand received the wrong product. The quality of the goods was not as expected, because I ordered a ribeye steak, but XXXX  gave me a ny strip steak. Discover has asked for this information, and I provided it to them, however, Discover makes it almost impossible to dispute a transaction. They have also done this with previous transactions, where product or service I ordered was not as stated by the merchant, but Discover refused to resolve and always resolved it in merchants favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I lost my job mid-XXXX XXXX due to the COVID-19 pandemic. Due to my job loss, I am unable to pay my mortgage over the next few months. I spoke with our mortgage company ( New American Funding ) on XX/XX/2020, and I was told that they had no options for mortgage payment forbearance for COVID-19. I continued to try calling them several times after that for an update, but I was not able to reach anyone by phone. On XX/XX/2020, I sent them an email regarding my situation, and I have not heard back from them. In my email, I requested that my unpaid mortgage payments be added to the back end of my home loan. I know our California Governor XXXX XXXX has provided protection from foreclosures to homeowners for the next 90 days, but I need to discuss my options with my mortgage company. I would like assistance getting in contact with my mortgage company, and I am requesting a response from them regarding my email. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
XX/XX/2020, XXXX $ XXXX I tried to send money to a friend of mines & it end up being the wrong name, Im trying to cancel or dispute the charge so that I can get my money back to my card please

Company response to consumer: Closed with explanation