vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am living in one of the states most affected by COVID-19. I live in NY. I have been impacted by the virus and have been unsuccessful in reaching 3 of my creditors to discuss waiving of late fees, waiving of reporting derogatory information to the credit bureaus, discussing payment arrangements ( per their emails to their customers, like myself ). Not any of the 3 give any electronic communication options to contact them. They ONLY offer to call them by phone. I have attempted more than 100+ times, at all different hours, to reach them by phone and have been unsuccessful. I live on a limited income and have only a cellphone which has a limited minute plan. I do not know how to resolve this, get the benefits I am eligible per their email correspondence to me ( which has NO ability to respond to them via email ). I have just recently over the last 1.5 years worked very hard on improving my credit worthiness and my score. How can I protect my credit if I can not reach ANY OF THEM to preserve my credit and make use of their covid-19 benefits to those impacted?

The 3 creditors are : 1. ) Capital One - credit card 2. ) XXXX  XXXX - credit card 3. ) XXXX credit - line of credit by XXXX And due to the inability to reach any of them my bills with them are now overdue. I have been trying with extreme effort to reach them 3 weeks prior to my payment due dates ... .and still trying to reach them. The high call volume has caused longer than normal wait times and mostly informed that due to the high call volume it is NOT possible to wait on hold and their recording states " Try calling another time ''. 

Please help me. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have called company on numerous occasions to take off the inaccuracies of my credit report and every time I'm giving the same answer that it is correct but I'm a victim of identity theft and my name was in three or more data breaches and I've been having problems with my credit since 2004 but I have not been able to get it resolved my credit is shot due to the identity theft and I can't get an apartment I can't get credit I can't do anything without these inaccuracies fix

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 2020-04-10 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: VW Credit
State: MN

Complaint narrative:
I have 3 hard inquiries from Volkswagen credit on my XXXX  report provided by XXXX XXXX. Two from VW credit on XX/XX/19 and XX/XX/19, and one from XXXX XXXX in XX/XX/19. I only applied for one loan so I would expect to only have 1 hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 {$6800.00}. 
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 XX/XX/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  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -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 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have 3 hard inquiries from XXXX credit on my Transunion report provided by XXXX XXXX Two from XXXX XXXX on XX/XX/19 and XX/XX/19, and one from XXXX XXXX in XX/XX/19. I only applied for one loan so I would expect to only have 1 hard inquiry.

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 2020-04-10 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
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 XX/XX/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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I entered XXXX XXXX to purchase a vehicle. It had been negotiated and paid for by wire transfer. 

I was requested to fill out a " worksheet. '' I asked if it was a credit application because I was paying cash and would not consent to a credit inquiry. I was told it was not. I asked a second time based on the info requested on the form. I repeated that I don't consent to a credit inquiry because I am paying cash. After I completed its, I repeated for a 3rd time that I objected if a credit report was ordered. 

Shortly after I left the dealership with the vehicle, I received an email that a credit inquiry was made by the dealership. 

The dealership was deceptive and abused its power to order the report. I don't know why it was done since it spent 45 minutes verifying my identity. If they told me the information necessary in advance ( for example as CA DMV does for Real ID ) I would have brought it with me. This delay tactic is abusive since they have been paid {$43000.00} so it made it difficult to leave or complain. I was there so long that I left without being paid for a trade in. Initially, they behaved as if it was a common practice. When questioned they reluctantly admitted a signer was not available. I no longer believe that and it seems just a technique to negotiate better terms and pricing on the trade in and to take my focus off objecting to the credit report. 

It may be discriminatory. I am XXXX XXXX. Am I being treated the same as other all cash buyers or the subset of those buyers who object to a credit report? If they find ways around it for other buyers, why did I not receive that option? The appointment was set up 2 days in advance. I very clearly objected to a credit inquiry three time while at the dealership. The report was not ordered until after I left the dealership. When rules are discretionary or made up, it is common for minorities to be subjected to shoddy behavior like this. I didn't deserve this treatment and others like me don't deserve it either. 

The credit agencies need to be on formal notice and can be accountable for the rogue and abusive practices of your customer, XXXX XXXX. It has used your agency to order a report against my will and without my permission. It called the credit application a " worksheet. ''

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 2020-04-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA Response CFPB XXXX XXXX CONFIRMS XXXX {$170.00} XXXX {$170.00} see attatched statement XX/XX/XXXX transactions ( WERE ** ONLY CALLED IN UNAUTHORIZED XX/XX/XXXX, XXXX AND. *** THIS IS WHY USAA DID NOT PROVIDE FRAUD DOCUMENTATION COMPLETION LETTER ) see attatched ftc ID THEFT case XXXX ID THEFT XX/XX/XXXX - XX/XX/XXXX. Kindly Note USAA PROVIDED NO ACCESS OTHER THAN TO CALL IN. ( 4 ) emails NO XXXX ASSISTANCE XXXX provided upon request. USAA PROVIDED NO OPTION BUT TO CALL IN. see attatched Fraud Letter XX/XX/XXXX FRAUD CLAIM DATE {$470.00}. Kindly note this does Not include the XX/XX/XXXX XXXX Unauthorized Transactions. see attatched Statement XX/XX/XXXX Kindly Note USAA DID NOT PROVIDE USAA FRAUD CREDITS {$470.00} FOR XXXX TRANSACTIONS OR CREDITS FOR XX/XX/XXXX FRAUD COMPLETION DOCUMENTATION. USAA IS MOST DEFININITELY ** NOT XXXX ACCESSIBLE. ** USAA DESTROYED MY CREDIT. XXXX USAA COLLECTS ON ID THEFT. XXXX USAA DOES NOT FOLLOW THE LAWS OF FAIR CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
My information is was used for some sort of membership from XXXX XXXX  XXXX XXXX  that resulted in it going to Collections after I realized it was being charged into my bank account and replaced my card with my bank. XX/XX/2020 this company sold the debt to Midwest Recovery Systems which is now reporting on my XXXX  credit report in error. Ive had an issue with false credit cards and inquires on my credit that I was able to resolve with multiple issues other credit companies in the past, as well as a false XXXX account in my name with the XXXX XXXX XXXX XXXX which I can provide documentation for proving identity theft. I would like this resolved as it is a result of identity theft and it is dramatically impacting my credit and affecting my financial health in this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TN

Complaint narrative:
Open Date XX/XX/2018 XXXX {$290.00} XXXX  Let a person open a account in my name and sent the credit card to a 8 year old XXXX XXXX that shoudive gave them a red flag u don't send a credit card to a XXXX XXXX u send a card to a fiscal address, this is wrong that XXXX XXXX  system is outdated what is open sky I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX  and the cfpb.

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 2020-04-10 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: TN

Complaint narrative:
Open Date XX/XX/2018 Balace {$290.00} XXXX Let a person open a account in my name and sent the credit card to a 8 year old PO Box that shoudive gave them a red flag u don't send a credit card to a PO Box u send a card to a fiscal address, this is wrong that XXXX XXXX system is outdated what is open sky I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX and the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TN

Complaint narrative:
Open Date XX/XX/2018 Balace {$290.00} XXXX Let a person open a account in my name and sent the credit card to a 8 year old PO Box that shoudive gave them a red flag u don't send a credit card to a PO Box u send a card to a fiscal address, this is wrong that XXXX XXXX system is outdated what is XXXX XXXX I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX  and the cfpb.

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 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2020 my wallet was stolen. I originally thought I lost it home, but it had been stolen, and I had not realized it until on the XX/XX/XXXX I was notified of a charge from XXXX  of {$250.00} through a XXXX transaction. I immediately notified my bank, the car was frozen, and I was given a provisional credit. About a month later the provisional credit was returned to my bank and I was notified that the case was closed. On the XX/XX/XXXX I  appealed the claim, but it was denied by my bank. I contacted my bank on the XX/XX/2020 and was told that it was not a fraudulent charge due to my unique spending habits, but I rebuked by saying that I had never even heard of the merchant. It was concluded that they could do nothing further and that I had to contact XXXX or that merchant, but it was not done through my XXXX, and I have had little luck finding the merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
living in one of the states most affected by COVID-19. I live in NY. I have been impacted by the virus and have been unsuccessful in reaching 3 of my creditors to discuss waiving of late fees, waiving of reporting derogatory information to the credit bureaus, discussing payment arrangements ( per their emails to their customers, like myself ). Not any of the 3 give any electronic communication options to contact them. They ONLY offer to call them by phone. I have attempted more than 100+ times, at all different hours, to reach them by phone and have been unsuccessful. I live on a limited income and have only a cellphone which has a limited minute plan. I do not know how to resolve this, get the benefits I am eligible per their email correspondence to me ( which has NO ability to respond to them via email ). I have just recently over the last 1.5 years worked very hard on improving my credit worthiness and my score. How can I protect my credit if I can not reach ANY OF THEM to preserve my credit and make use of their covid-19 benefits to those impacted? The 3 creditors are : 1. ) XXXX XXXX - credit card 2. ) XXXX XXXX - credit card 3. ) PayPal credit - line of credit by Synchrony And due to the inability to reach any of them my bills with them are now overdue. I have been trying with extreme effort to reach them 3 weeks prior to my payment due dates ... .and still trying to reach them. The high call volume has caused longer than normal wait times and mostly informed that due to the high call volume it is NOT possible to wait on hold and their recording states " Try calling another time ''. Please help me. 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 2020-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: CA

Complaint narrative:
In the month and date of XX/XX/2018 it was reported on my credit report that I was delinquent 60-89 days on my account when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank, but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a personal loan because of this mark on my credit and the company will not help me with this unpair situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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:
RE : XXXX XXXX - XXXX. 

Experian continues to report this account inaccurately on my credit report. 

1. This account was sold to XXXX XXXX XXXX ( collection agency ) 2. Next it was sold to XXXX XXXX XXXX ( Collection Agency ) This account has been sold to a collection agency you are no longer owed for this debt. The following specific fields on my credit report should read as follows : 1. Balance : {$0.00} 2.  Amount Past Due : {$0.00} 3. Account transfer to XXXX XXXX XXXX or XXXX XXXX Additionally, I have filed a complaint with the Attorney General for the State of Michigan and the Attorney General for the State of California.

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 2020-04-10 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: CA

Complaint narrative:
RE : XXXX XXXX - XXXX. 

TransUnion continues to report this account inaccurately on my credit report. 

1. This account was sold to XXXX XXXX XXXX ( collection agency ) 2. Next it was sold to XXXX XXXX XXXX ( Collection Agency ) This account has been sold to a collection agency you are no longer owed for this debt. The following specific fields on my credit report should read as follows : 1. Balance : {$0.00} 2. Amount Past Due : {$0.00} 3. Account transfer to XXXX XXXX XXXX or XXXX XXXX Additionally, I have filed a complaint with the Attorney General for the State of Michigan and the Attorney General for the State of California.

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 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I used my Chase Debit card as a form of payment for a trip to XXXX through XXXX. On XX/XX/XXXX, I was informed the company went out of business and they are canceling all trips. XXXX will not be issuing refunds and to contact your bank. In my case my bank is Chase. I submitted my dispute with Chase with the reasoning being services not rendered. My first transaction on XX/XX/XXXX in the amount of {$60.00} was refunded. However I had two transactions one on XX/XX/XXXX in the amount of {$230.00} and a second transaction on XX/XX/XXXX for {$230.00} that Chase stated didnt qualify as disputable. I dont understand how I didnt receive the credit for these transactions when the merchant failed to provide a service and are not issuing credits and have since gone out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: MD

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.

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