vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I filed for a forbearance due to XXXX in XX/XX/2020 they approved it and documentation was provided. Then in XXXX my credit took a XXXX point hit because they logged it as delinquent so i called and got a second hardship forbearance approved not in XX/XX/2020 my credit just took anoughter XXXX point hit because they reported it delinquent. As well as it was reported delinquent after the coronavirus bill ordered them to place all student loans in deferment. Now i have taken a insanely hard hit to my credit from this company and they can not replace my score that has now dropped XXXX points in 3 months.

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 2020-03-28 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: AR

Complaint narrative:
i have disputed items on my credit reports, i have paid back majority of the credit cards i had in the past, now that i go to apply for credit cards to rebuild my credit it says either im deceased of that i have no credit history.. even credit repair companies cant find me.. 

i am trying to establish my credit, so i can buy a house or get a car etc etc ... 

help me because there is some misunderstanding, my XXXX   boost account says i have 21 different names and thats not possible, help me so i dont have to fle for bankruptcy ..

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 2020-03-28 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: FL

Complaint narrative:
I have review my credit report to check accuracy and found out that a lot of account that I had no knowledge about are destroying my credit reputation and causing a lot of damage to my ability to obtain credit, these account are fraudulent and should not be in my credit, I what to request that these account be block from my credit immediately. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: FL

Complaint narrative:
I have review my credit report to check accuracy and found out that a lot of account that I had no knowledge about are destroying my credit reputation and causing a lot of damage to my ability to obtain credit, these account are fraudulent and should not be in my credit, I what to request that these account be block from my credit immediately. 
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 non-monetary relief
Consumer complaint received 2020-03-28 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I originally disputed a portion of a charge from a XXXX XXXX XXXX, The XXXX, a division of the XXXX XXXX which is a division of XXXX XXXX XXXX with my credit card provider, CitiBank. I was precharged for an Advanced Deposit at The XXXX for items that I may use while at any of the XXXX hotels during my stay. The Advanced Deposit was for {$680.00}. I spent {$510.00} of that amount, so I requested a refund for the difference {$160.00}. Attached is all of the requested documentation from CitiBank that I provided as well as my final appeal that was denied twice. In the last email from CitiBank, attached, they stated that since The XXXX would not refund the amount requested, they could not assist me or refund the {$160.00}. All of the documentation as well as my final 2 emails to CitiBank are attached. I apologize if some of the documentation is duplicated. I am hopeful for a positive reply from you by invoking the Fair Credit Billing Act under your authority. Please let me know if you need any additional information.

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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
i have disputed items on my credit reports, i have paid back majority of the credit cards i had in the past, now that i go to apply for credit cards to rebuild my credit it says either im deceased of that i have no credit history.. even credit repair companies cant find me.. 

i am trying to establish my credit, so i can buy a house or get a car etc etc ... 

help me because there is some misunderstanding, my XXXX XXXX  account says i have 21 different names and thats not possible, help me so i dont have to fle for bankruptcy ..

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 2020-03-28 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: EQUIFAX, INC.
State: AR

Complaint narrative:
i have disputed items on my credit reports, i have paid back majority of the credit cards i had in the past, now that i go to apply for credit cards to rebuild my credit it says either im deceased of that i have no credit history.. even credit repair companies cant find me.. 

i am trying to establish my credit, so i can buy a house or get a car etc etc ... 

help me because there is some misunderstanding, my experian boost account says i have 21 different names and thats not possible, help me so i dont have to fle for bankruptcy ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Originally, after opening an account with Shop Your Way through Sears, I received a phone call from the Consumer Protection Department, but I couldn't answer so they left a voicemail. I forgot about the voicemail and it sat in my inbox. 

On XX/XX/2020, I tried to register for online access to my account using the card issuers website ( XXXX ). After I input the required information into the registration page, I received a message stating " We can not register and/or activate your card at this time. Please call Technical Service at XXXX. '' I called the number and it connected me to the Fraud Center. I was told that there was a problem with my card and that they would need an account verification either by email or regular mail. They would not tell me what the problem was, so I agreed to receive the verification. I waited for about one week and had not received anything, so I decided to try to register again and received the same results. At this point, my payment due date XXXX XX/XX/XXXX ) was 2 days away. I called the number on the back of the card to make a payment by phone, and again was transferred to the Fraud Department, and they told me the same thing, that they can't tell me what's wrong with my card, and that I would have to wait for the verification to arrive. I asked them how I could make a payment and they said they would transfer me to the payment department. I was connected to the payment department, and they told me there would be a XXXX-dollar charge for processing my payment. I declined and asked how I could avoid the charge, and they said that they could transfer me to the automated system. I agreed. When they transferred me to the automated system, it never connected me, and instead transferred me to the Fraud Center again. I spoke to a different person, and they again refused to tell me what the problem with my account was. I also asked to speak to a manager but was told that one was not available. 

This whole process cost me a {$29.00} late fee because I had to mail my payment in, which they received 2 days late. I understand I could've mailed it out sooner, but I was waiting for that verification by mail or email that never arrived.

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 2020-03-28 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: IL

Complaint narrative:
I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX TransUnion & XXXX along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to 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 2020-03-28 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: IL

Complaint narrative:
I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX XXXX & Experian along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to 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 2020-03-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In XXXX of XXXX, I returned my Car Lease to XXXX XXXX XXXX. I have never missed a lease payment. I just reviewed my credit report and XXXX XXXX XXXX is reporting a Late Payment on XX/XX/XXXX. I have not owned the car since XX/XX/XXXX. The inaccurate Late Payment on my report is severely hindering my credit scores and ability to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: LEXISNEXIS
State: IL

Complaint narrative:
I have requested a security freeze to be placed on my LexisNexis XXXX REPORT and for them to send documentation showing/proving that they have completed my request. I have not received any documentation showing that my request was fulfilled nor has my freeze been placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: Nelnet, Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX XXXX & XXXX along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED NELNET. These accounts do not  belong to me. They still are reporting this to my credit report. they have not sent any documents over supporting how they could allow this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I disputed on XX/XX/XXXX a bankruptcy being listed on my account to verify it and how it was verified. I received a reply that it was verified but I was never told how. I disputed it again for accuracy and to let me know how it was verified a second time, XX/XX/XXXX. I received an automated response back to let me know it was verified again but never was told how they verified it.

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 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I placed a dispute with the company Comenity - XXXX XXXX due an account activity mail I received of a credit that someone fraudulently opened in this institution using my personal information, they made purchases for XXXX USD onXX/XX/XXXXbut I didn't received any letter before of that. I sent this company a dispute onXX/XX/XXXX, and they responded on XX/XX/XXXX denying my dispute. I need this company to cancel all the debt and close the account linked to my personal information that was opened doing a fraud using my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 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: IL

Complaint narrative:
I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX TransUnion & XXXX along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to my credit report. they have not sent any documents over supporting how they could allow this to happen.

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 2020-03-28 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: IL

Complaint narrative:
I am a victim of identity theft. I've sent a copy of my Identity Theft Report to Equifax, XXXX & XXXX  along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to my credit report. they have not sent any documents over supporting how they could allow this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit inquiries list on my report from Experian XXXX XXXX in partnership with XXXX XXXX. I have written XXXX XXXX in XXXX, XXXX, requesting to remove credit inquiries. They did not respond. 

I wrote to Experian in XXXX, XXXX, that I did not hear from XXXX and requested all unauthorized inquiries that are listed below, as Experian XXXX XXXX be deleted. They have not responded. 
The dates in question are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2020-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Re : XXXX XXXX XXXX XXXX ( comenity bank ) Acct number : ending in XXXX Hi, I contacted XXXX to pay my bill at the beginning of the year. The customer service lady I spoke with said she could take the payment and have the late fee removed but I would have to call back and speak with a service department as they were not open at the time. At that time I made a payment taking care of all purchases, except for the {$35.00} late fee. 
I called back and spoke with someone else who said that was not true, and they would not be able to waive the late fee. I explained to them that I had not received a bill. They told me that the billing had been changed to go to my email account. I was not aware of this. I explained that I had made the previous payment and that I was promised to have this late fee waived. The man I spoke with this time said he could not waive the fee. I then told them I wanted to close the account. I called back the following Day and spoke with a new representative. He told me that this account was closed with a zero balance. XXXX XXXX XX/XX/XXXX ) I just received a bill in the mail today XX/XX/2020. 
Showing a balance of {$73.00}. Now this statement shows two late fees plus interest. I called express immediately and spoke to you a supervisor by the name of XXXX. He told me he could not help me. I explained to him the situation and that if they could not help me resolve this as promised I would file a complaint with the credit bureau. Can you please help me with this? I have excellent credit with a XXXX score, and do not want this tarnished because of this company is excessive late fees. 
Please contact me. 
XXXX XXXX Thank you, XXXX XXXX I do not have this full account number as it is partially starred out on this invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: SD

Complaint narrative:
I am being subjected to an exorbitant APR of over 24 %! I make my payments on time every month even on auto pay! The national average is an APR of roughly 16 % but yet I am being assessed a higher APR because I am considered low income and a minority! I sent a letter pleading with this company to please lower my APR and they never even responded! Apparently I am not even worthy of a response! Now because of the Corona virus, my income has dropped substantially and I am getting nowhere paying this much interest when a {$140.00} of my {$180.00} payment goes to interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Subject : Quicken Loans Rep Persistently Avoids Providing Written Loan Estimate This is a formal complaint against XXXX XXXX and Quicken Loans for failure to provide a proper Loan Estimate with in the legally required 3 days from receipt of my personal and loan information. This compliant will be submitted directly to Quicken Loans as well as the Consumer Financial Protections Bureau. 

Below is a summary email trail of The Worst Lending Experience I have ever had in my 15 years of working with mortgage companies to obtain residential purchase loans. 

Friday, XX/XX/2020 Called Quicken Loans to get a rate quote and Loan Estimate. 
I was routed to XXXX XXXX, who advised me that he would have to pull my credit in order to quote rates. 
After XXXX asked me a minimum of a dozen demographic and purchase questions, including my social security number to pull my credit ; XXXX quoted me points and rates on FHA and conventional loan options. 
In response to the verbal quote, I asked XXXX if he could email the estimate. 
XXXX agreed to follow-up with an email ; but seem to hedge on the information Quicken Loans provides without distinction. 
Despite informing me that Quicken was currently pricing mortgages multiple times/day, XXXX waited a day to send an informal email citing points that were higher than what he provided by phone the day before. 
After I replied with an inquiry about the disparity, XXXX acknowledged the points distinction that he failed to disclose in his initial correspondence. 

Friday, XX/XX/2020 After receiving confirmation from multiple sources, that I should have been provided a Loan Estimate, I emailed XXXX to again request a formal Loan Estimate. 
Despite XXXX 's auto reply directing immediate follow-up be redirected to XXXX XXXX, XXXX replied before she could reply to advise that he would follow-up with me on Saturday, XX/XX/2020. 

Saturday, XX/XX/2020 XXXX initially follows-up with an email at XXXX to ask " the property address '' for purchase. 
Despite my replying at XXXX, he waits until XXXX to ask if I'm still " interested in FHA? XXXX After responding to the " FHA '' inquiry within one minute, he waits another 2.5hrs to ask about my " closing date. '' I reply with what is likely to be the earliest possible closing date. 
Note : The fact is there is NOT a closing date yet. It's a new construction home that is still being built. 
XXXX casually replies that " we would not be able to close in 2 weeks. ''

Company response to consumer: Closed with explanation