vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I called XXXX XXXX earlier this evening, issued by Capital One, to request a settlement offer if account paid in full. I was put on hold by rep, another rep by the name of XXXX then got on the line, put me on hold again to check if account is eligible for such request. Both reps appear to be outsourced from a foreign country as most companies like to do. The call cut out before XXXX got back on the line after placing call on hold a second time. I am facing financial difficulties due to pandemic and a settlement offer would be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
They went against the Military Lending Act and charged me 64.54   % annual percentage rate from XX/XX/XXXX-XX/XX/XXXX.  {$4000.00} quickly became {$7500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These creditors listed are not mine, nor is the Bankruptcy. I also listed companies that have pulled my credit, and I did not authorize them to do so. I am also exempt from any student loans as I am a XXXX XXXX   XXXX and XXXXl XXXX Veteran which by law I am no longer responsible for any student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 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: CA

Complaint narrative:
BEING A VICTIM OF IDENTITY THEFT AND AS A CONSUMER I HAVE REACHED OUT TO XXXX XXXX   XXXX AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SUBMITTED MY IDENTITY THEFT AND ACTUAL STATEMENT TO PROOF MY IDENTITY AND SIGNED AFFIDAVIT NOTARIZED THAT I AM VICTIM OF AN IDENTITY THEFT. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT CARD. I DON'T HAVE ANY INFORMATION ON THE THEIF OR ON THE FRAUDULENT ACCOUNT. THE ACCOUNT IS CLOSED AND IT HAS A XXXX BALANCE, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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:
BEING A VICTIM OF IDENTITY THEFT AND AS A CONSUMER I HAVE REACHED OUT TO XXXX XXXX   XXXX AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SUBMITTED MY IDENTITY THEFT AND ACTUAL STATEMENT TO PROOF MY IDENTITY AND SIGNED AFFIDAVIT NOTARIZED THAT I AM VICTIM OF AN IDENTITY THEFT. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT CARD. I DON'T HAVE ANY INFORMATION ON THE THEIF OR ON THE FRAUDULENT ACCOUNT. THE ACCOUNT IS CLOSED AND IT HAS A XXXX BALANCE, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: AZ

Complaint narrative:
I have requested verification According to the Fair Credit Reporting Act, To the credit bureau 3 times according to Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account request also on the 4th letter i requested for the description of the procedures used to determine the accuracy and completeness of the disputed information, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) and none of this was provided to me they only send back a letter saying is been verified.

they did not comply I have been requesting this information to them for over 6 months already and they are still reporting without verifying the accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: AZ

Complaint narrative:
I have requested verification According to the Fair Credit Reporting Act, To the credit bureau 3 times according to Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account request also on the 4th letter i requested for the description of the procedures used to determine the accuracy and completeness of the disputed information, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) and none of this was provided to me they only send back a letter saying is been verified. 

they did not comply I have been requesting this information to them for over 6 months already and they are still reporting without verifying the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Not only did it take months for them to correct a clear dispute for over {$1000.00} they were advised card was lost stolen and account compromised never had any issues they closed the account despite having been provided with bank memo reps stated this was being corrected And reopened yet it has not been as of yet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NV

Complaint narrative:
These creditors listed are not mine, nor is the Bankruptcy. I also listed companies that have pulled my credit, and I did not authorize them to do so. I am also exempt from any student loans as I am a XXXX XXXX   XXXX and XXXXl XXXX Veteran which by law I am no longer responsible for any student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
These creditors listed are not mine, nor is the Bankruptcy. I also listed companies that have pulled my credit, and I did not authorize them to do so. I am also exempt from any student loans as I am a XXXX XXXX   XXXX  and XXXX XXXX Veteran which by law I am no longer responsible for any student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My wife and I have not always been stellar with our finances but weve continued to become better with money. We have made payments on our debts even in this COVID-19 situation the best we can. We recently got a letter in the mail regarding an outstanding debt with Synchrony Bank from a collection service. We had been making payments from XXXX to XXXX. We used to card only one time to pay for some car repairs that were needed. Never again. Some of those payment we made were never reflected on our account and we then made a payment of {$600.00} in XX/XX/XXXX, which should have almost paid off the debt. We never heard anything else and thought it was taken of. Not until this year ( XX/XX/XXXX ) did we hear anything else after submitting a dispute later in XXXX. Now they are submitting info to a collection agency causing a drop in our credit after no comms. for nearly 2 years. We need this rectified and I will NEVER use Synchrony or any other 2nd hand credit company again. Thank you for your time and careful consideration on this matter. 

Sincerely, B, R.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
I saw a collection balance on my credit report. I called collection agency. No one wanted to help me as the collection amount was inaccurate. I asked the collection agency to very the correct amount with the phone company, they refused to follow protocol. They sent me back to XXXX to dispute. When I call XXXX, all of the representatives did not want to help me. They said account was over 4 years ago. They did not want to send me any billing statements to prove the amount they are asking for. Instead, I was transferred to many departments, hung up on, and outside of country representatives that did not care to help me resolve this balance. I even told the representative that I received a final letter that states if I did not pay {$590.00} within 7 days, that balance will be sent to collections. Please explain how a final bill of {$590.00} turn to {$1300.00}? I explained I will only pay {$590.00} as stated on my final bill. They said I need to pay {$1300.00}. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent to three various credit bureaus disputing an inadequacy which reported a single account as negative. Such an account was reported in a varying format, under a varying heading between all three credit bureaus. Federal law mandates that the account be reported exactly the same amongst all three credit bureaus, while simultaneously being proven as verified if asked by the consumer. I as the consumer have asked all three bureaus to correct his issue under my credit report approximately 30 days ago. I have yet to hear back in regards to this dispute. The following item in question that begs to be verified or removed is reported as follows : Account name : XXXX XXXX Type : N/A Status : Collection/Chargeoff Past due amount : {$3500.00} Reported : XX/XX/20192019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NV

Complaint narrative:
The Bankruptcy, accounts, and inquiries are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters. It has been well over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NV

Complaint narrative:
The Bankruptcy, accounts, and inquiries are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NV

Complaint narrative:
The Bankruptcy, accounts, and inquiries are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I signed up using a promotional offer. Santander Bank was offering a {$220.00} bonus for opening an account and direct depositing {$1000.00} within a specified timeframe. I recently called to check the status of the bonus and they said I didnt meet the deposit requirements. After review, they recoded my first direct deposit so it would not count as a direct deposit. They coded it as a transfer, even though it was directly from my employer as a direct deposit. I believe they are trying to avoid paying the promised bonus, as I made 4 {$250.00} direct deposits as well as several {$25.00} direct deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NV

Complaint narrative:
These accounts are not mine and I have disputed this information multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
The account is closed and charged off and needs to be removed from my credit report. 
I am still making payments on the account and I still have possession of the vehicle. Santander Consumer USA is reporting false information that is negatively affecting my credit score tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 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: Atlanticus Services Corporation
State: CT

Complaint narrative:
I requested a settlement amount, if account paid in full, the live chat rep referred me to XXXX XXXX XXXX XXXX, stated no assistance is available to me. This is in regard to my aspire card account, now closed. I am currently experiencing financial difficulties due to pandemic and would like to pay off account in full to save interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account was initially disputed XX/XX/2020 and asked to validate the information or remove from the report and also to remove the duplicate account with the original creditor and the collection agency. Per the FCRA an account can not be listed by the original creditor and the collection agency once the debt is sold to the collection agency. On XX/XX/2020 I received an update from the Bureau that the account outcome was updated. However they did not provide any information on the method of verification, proof of original signature or removal of the duplicate account as requested. I disputed this information and once again received the same letter from the Credit Bureau that the account was " Updated '' on XX/XX/XXXX as if they did not do the investigation, but just sent the same letter again. They have not cooperated with the disputing process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am complaining about Citibank 's penalty of {$110.00} on XX/XX/2019, when I withdrew the CD money right after I finished the 6 month term and they automatically renewed into a new 6-month term with much lower interest rate. 

I opened a 6 month CD with Citi Bank on XX/XX/2019, expecting to mature on XX/XX/2019, by definition of 6-month. To my surprise, it expired 2 days earlier, and automatically renewed into a new 6-month CD with 0.75 % interest rate. This was much lower than before and than competitors ', so I went to the branch to discuss with a banker on XX/XX/XXXX. She said had I talked to her a day earlier, it was still within the grace period, and they could have offered a much higher renewal interest rate for the new 6-month term, but that day I would have to pay penalty to change to the new rate ( at least 1.5 %, but I can not remember clearly ). I argued that I thought the original CD expired on XX/XX/XXXX by definition, so that day ( XX/XX/XXXX ) was still within 7 day grace period. She was empathetic and called Citi Headquarter to try to waive the penalty, but was declined. 

I found 3 fishy practices here : 1. Citi named it XXXXmonth CD : it started on XX/XX/2019, but it matured 2 days before XX/XX/2019. So the customer had a shorter window to respond to its inferior renewal offer. 
2. Citi has 7-day grace period for CD but competitors like XXXX and XXXX have 10-day.  Again, the customer had a shorter window to respond to its inferior renewal offer. 
3. As long as I talked to Citi within the grace period, I could have had much higher interest rate for no cost. Otherwise Citi would silently renew the CD with a very low interest rate. Citi is banking on customers ' ignorance and financial illiteracy to make a profit. 

4 days later, I paid the penalty and withdrew my CD money.

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 2020-05-08 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: NV

Complaint narrative:
These accounts are not mine and I have disputed this information multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NV

Complaint narrative:
These accounts are not mine and I have disputed this information multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: FL

Complaint narrative:
Toward the end of XX/XX/2020, I called GreenSky to settle an account that I owed {$300.00}. This was for a Rooms to Go account. They agreed to legally settle and update the account status to legally settled for {$160.00}. They accepted the funds, and reported to the credit agencies that the debt remains. On XX/XX/2020, they emailed a misleading pay off letter stating that they forgave in excess of {$600.00}, and the debt remains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation