vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed the unverified and inaccurate account from Chapter XXXX Bankruptcy with Equifax on XXXX XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: OH

Complaint narrative:
I disputed a collection on my credit report on XX/XX/XXXX. A company name XXXX XXXX XXXX stated i owed them {$7000.00}. The account was removed sometime between XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX a new company for the same debt was readded back to my credit report. No letters sent to me stating why.

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 2020-04-06 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: SC

Complaint narrative:
Dear DataX Inc, My name is XXXX XXXX and I am writing because of some mis-printed information that is being held in your computer system. DataX has interpreted itself as a furnisher of consmers ' financial integrity, under the FCRA.

Recently, many consumers have been targeted with identity breaches and the hi-jacking of their personal information from many of the outsourced IT and service center vendors, put in use to considerably cut costs on american labor.

In keeping with this information. I believe your company may have received some of this bad information, including my name and personally identifiable information. 

I received a letter of denial, dated XX/XX/2020, from XXXX XXXX XXXX XXXX on behalf of the creditor : XXXX XXXX XXXX. It was of very amusing shock to me, listing poor credit performance as the principal reason for credit denial. With a score of XXXX. 
I am adamantly rejecting any knowledge of any financial account being held, under my name, in your reporting system. 
This is a final demand to remove from my report, all disputed enties, complete a timely update, noting the removal of entreies, within a new report and send, immediately, the updated report to me at the listed address on this complaint. 

I am gong to forward this complaint as well to the Attorneys General office within your home state. 

Loking forward to hearing from you with the updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
Between XXXX and XX/XX/2020 someone " '' Hacked '' into my " PayPal account and Fraudulently " Changed '' my original email address and cell phone numbers on my original PayPal account. Please be advised that I did not give anyone my permission or authorization to change my personal information on my PayPal account, neither was I notified or contacted these fraudulently changes on my account by PayPal which I find quite disturbing & appalling, This " Hacker '' made numerous fraudulent unauthorized transactions on my PayPal account and locked me out of my account both online and by telephone. I've contacted PayPal to get some assistance to recovery my account and reset my email address, cell phone number and password but is advised that I can not access my PayPal account information because the " Hacker '' changed my original email address to his/her fraudulent ( XXXX XXXX email account and a fraudulent phone number that I can not verify because it was changed without my permission and authorization. I need help to recover my account. PayPal has my original hone address and home telephone number but refuses to assist me in the recovery of my PayPal account. PayPal mails the bills to me but the " Hacker '' has complete control of my PayPal account racking up debt in my name and sabotaging my credit. I need assistance recovering my account, email address, and cell phone from the " Hacker 's '' fraudulent XXXX account & phone number so that I can gain access to my PayPal account. I find it quite disturbing in this day and age of technology that PayPal does not have a " Technical Support '' department to assist me with my request. PLEASE, PLEASE, PLEASE I'm desperate for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX and I'm a authorized user on my husband XXXX XXXX XXXX XXXX card but I disputed it because it had the wrong credit score I didn't want them to remove my account from transunion I want them to put it back like it was without charging me a fee 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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Lender Inc
State: IL

Complaint narrative:
The company advertised that they would help build my credit quickly by loaning money to myself. I was suppose to make a payment every month and at the end i would get money back. I never borrowed money from them it was suppose to be a savings plan and they said they would report only good credit. My credit report went done XXXX points immediately first month after they reported me late because I enter the wrong bank information for direct payment. I never seen anything that said they would report you bad and their false & misleading advertisements doesn't say we will report you for bad credit not just good credit. It's very misleading and completely unfair! I was loaning money to myself, I never borrowed a XXXX from this company and I don't feel they should be able to this to people. For a year I had already been disputing false information off my credit report because it was destroyed by fraud. All the work i had done and everything i had accomplished fixing my credit report this company destroyed in XXXX minutes. I asked to close account, they didn't and reported me late again because I quit making the payments. They actual tried to tell me they raised my score. No I don't think so! It went up from fraud account dispute being removed. On my report they are now the only late payments I have on my credit and it's most recent and looks bad. This has caused me major financial hardship! It is just not right that a company you don't owe money to and was suppose to help you build credit would just destroy someone like that. I've disputed and pleaded with them several times and they refuse to fix the false unfair report on my credit. I can't even get a business loan, credit card, car or anything and it's gon na be on my report for XXXX   years ... .. Sad!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I talked with Capital one on XX/XX/2020 about a Recurring charge ( XXXX  XXXX  {$510.00} ) to my account that I wanted removed. I am under contract with the merchant but want the merchant to bill me directly ( by mail ) instead of my credit card. after several attempts to contact merchant I called capital one to cancel the recurring charge. They asked me if I had talked the merchant but and I told them I can not get my agent with the merchant to respond. Capital one then told me that they can not stop recurring charges due to a recent new policy due to the corona virus. They explained that they are not stopping any recurring charges at the present time. I feel totally out of control of my own money here. Is this legal??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Comerica
State: OK

Complaint narrative:
XXXX XXXX is using her XXXX account to excise tax with direct express under my identification information she scam artist that works for XXXX XXXX XXXX she a XXXX  and XXXX XXXX XXXX for the Social Security she also as a major for XXXX XXXX XXXX XXXX she charges debit too my credit account and entering my apartment illegal this is XX/XX/2020 XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi has reduced my card limits multiple times. Ive never been late and rarely carry a balance with Citi thats not on a promo. The major issue Im having are the times in which Citi chooses to reduce credit lines. During a global pandemic which was most recently. And also during hurricane irma. As a XXXX  resident I find that Citi is honestly not for the people. Ive only been late as if recently due to having a son born at XXXX  months who is still currently in the XXXX. The line reduction from Citi has negatively impacted me and caused me to lose my dream home that I had under contract previously. I reached out to Citi and they did not care

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 2020-04-06 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax refuses to fix to fix credit i have called each of the company 's and have no account with them this has been going on since XXXX up XXXX they proof they refuse to investigate .The problem is our information is is shared so many times with one company i no of XXXX XXXX XXXX, they never fix the problem but pay bounty 's to Hackers when you file a disputes this is what you get, he information you disputed has been received. The results are : Inquiries are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly, ever time, it getting old the data breach did nothing. i like fic and investigation it not hard to pick up phone like i did and call, if can you can pay out thousands of dollars to XXXX and one other company to hack you should pay for your mistake, this is proof they don't investigate, i never lived at this address, XXXX XXXX XXXX, XXXX XXXX, NC XXXX This is a fraudulent address. it says it part of my factual record. what a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM Financial refuses to respond to my multiply emails, phones calls and letters asking for corona-virus impacted financial situation, and potential request for resolution on the amount GM Financial is pursuing to collect. 

GM Financial it seems is NOT complying to the current economic and governmental issues that are effecting the XXXX  Loans that they service. Despite my requesting financial help/assistance from them on my current outstanding balance due to the Corona-virus impact, and an XXXX settlement, I have not heard anything from them at all!!! 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: FL

Complaint narrative:
I have disputed and submitted a complaint about the bureaus not investigating an account with XXXX XXXX XXXX that is reporting a balance when there is no money owed to this company. I have attached proof since apparently the bureaus can do what they wish and not investigate when requested, regardless of what the FCRA indicates.

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 2020-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have a lease with Toyota Financial - it ends in XXXX. Monthly payment is {$330.00} ... plus the car has XXXX miles less than the allowable XXXX. My husbands business closed down to due the covid-19 - its a non essential business so we have no income coming in. Trying to alleviate as many bills as possible ... ending the lease early we can then cancel the auto insurance as well would be most helpful. I contacted Toyota and they said I could end it but would have to pay fees or if I just hand in car early my credit would suffer. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
RE : XXXX XXXX, Ginnys, Seventh Avenue, and Monroe and Main. 

I tried several times to request a plan with this company through a debt counseling company, they denied me and kept my account open and wracked up interest and late fees. They finally accepted but will not close my account or reduce my payment as agreed upon. They are reporting to the credit bureau incorrectly however the credit bureau has not taken action and neither has the company. The account is still showing open on my credit report and the payment is still not correct. Also, they have not reported me to the credit bureau for several years and consequently have no idea who I am paying through the debt management company, They refuse to verify the debt. They do not answer my calls either. Again, no action has been taken and my student loan is at stake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: VA

Complaint narrative:
: My Macys XXXX XXXX card credit limit was drastically decreased. The reason for the decrease was based on false information. My limit went from {$1600.00} to {$300.00}. This decrease was strangely after ( paying off ) the account. According to Macys XXXX XXXX, the reason they decreased my limit was because of negative information on my XXXX  credit report & high balance versus credit limits ( all lies & false claims ) after receiving the letter from Macys that was based off lies, I pulled a fresh copy of my XXXX  credit report from annual credit report.com and there was not XXXX  single negative account. No derogatory account, all my accounts are in excellent standing and not XXXX account is close to the credit limit. There is not XXXX single late payment. For being a good customer and paying off my Macys Credit card, they reward me by decreasing my credit limit. Based on the lies and the deciding factors I was giving by Macys XXXX XXXX, the only reason they decreased my credit limit is because of my race. Thats it because not XXXX single reason they gave was accurate. In addition to that, Macys claim they reviewed my credit report, but when I checked my credit there was not XXXX single hard or soft credit check by Macys XXXX XXXX. Also there customer service number is never available. Nobody is ever available to pick up.

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 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed and submitted a complaint about the bureaus not investigating an account with XXXX XXXX XXXX that is reporting a balance when there is no money owed to this company. I have attached proof since apparently the bureaus can do what they wish and not investigate when requested, regardless of what the FCRA indicates.

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 2020-04-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed and submitted a complaint about the bureaus not investigating an account with XXXX XXXX XXXX that is reporting a balance when there is no money owed to this company. I have attached proof since apparently the bureaus can do what they wish and not investigate when requested, regardless of what the FCRA indicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am unable to perform a credit freeze online with Experian through their website ( https : //www.experian.com/freeze/center.html ). I have tried several times over several days ( XX/XX/2020, XX/XX/2020 ). Despite being able to manage freezes ( with both XXXX and XXXX ), Experian always fails to verify my information despite it being accurate and correct and instead requires me to mail the request to them to perform the freeze. 

Experian intentionally makes the process difficult and slow. I should not be required to mail this request to Experian, which additionally requires mailing my ssn, copys of bills, license, etc., to freeze my credit.

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 2020-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I sent a wire transfer for my wife to a friend of hers in XXXX ( XXXX ) yesterday. The receipt said the money would be available immediately but when her friend went to pick up the funds, he was told they were not available. This is a person she knows well personally ( She went to a village in XXXX as a XXXX  from our church  every year over a period of several years ). She was not asked for money, it is something she wanted to send to friends she knew and traveled into the Bush with on several occasions. This was unsolicited and something she wanted to do for people she worked with when she went there. 

When her friend went to pick up the funds ( he had to travel several miles to get to XXXX ), he was told the funds were not available. I was NOT notified in any way that the transaction would not go through and the first I knew was when my wife 's friend called ( he can not really afford to spend money for long distance calls ) and left a message on our house phone that they would Not given him any funds. I was NOT notified in any way that the transfer would be a problem. 

This is FRAUD!! They offer a service and then will not give that service. 

I spent nearly an hour speaking with Western Union employees (  supposedly supervisors-two ) and the long of the short was they were not allowing this transfer to go through

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: VA

Complaint narrative:
When I tried to redeem points XXXX Fidelity told me I had changed my monthly redemption date on XX/XX/XXXX. So they let the old date ( the XXXX ) run thru a cycle before starting my new date? So since XX/XX/XXXX ( my new date ) redemption will be XX/XX/XXXX? Not Fair, No redemption on XX/XX/XXXX ( 30 DAY from old date ). This is how they avoid ( delay ) paying points. SLEAZY

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