vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 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: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On three credit reports XXXX, transition, XXXX   shows I owe money to XXXX XXXX XXXX opened on XX/XX/2019 for XXXX dollars.

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 2020-05-29 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: NY

Complaint narrative:
On three credit reports XXXX, XXXX, experian shows I owe money to XXXX XXXX XXXX opened on XX/XX/2019 for XXXX dollars.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MRS BPO, LLC
State: MD

Complaint narrative:
XXXX XXXX has shared my social security number, credit report and confidential information there in without my consent to MRS Associates who illegally and without my consent have violated my privacy. 

I am requesting MRS associates and XXXX to remove the false reporting from all three credit agencies and off my credit file as they have not responded to my request in 30 days to prove they have accurate information to receive my confidential information to report to all three credit bureaus. 

I have not signed an agreement with MRS and associates to contact me, nor have my confidential information nor report errors to all three credit bureaus. 

Therefore the reporting is illegal and inaccurate information given to all three credit bureaus as well as my right to privacy and protection has been been violated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I was never late in XXXX or XXXX The information on my credit file is incorrect. The account is also closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
In XX/XX/2020 I noticed an alleged debt reporting on my credit reports for an Electric bill ( XXXX XXXX XXXX XXXX ). On XX/XX/2020 I sent Contract callers Inc., a request for validation as allowed under the Fair Debt Collection Practices Act ( FDCPA ) and requested for validation including a request for an assignment under the California Rosenthal Fair Debt Collection Practices Act ( Ca Civil Code 1788.13 ( l ) ) which prohibits " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' Contract Callers Inc. has not responded to my request and continues it's collection efforts without validation or verification of the alleged debt.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have a problem with synchrony bank, I had a credit limit with one of their companies for, XXXX XXXX dollars, ( Overstock ), Care credit, Walmart, Sams Club On my credit report it shows all payments made on time. Everytime I would make a payment, synchrony bank would decrease my credit limit to exactly what I owed at the time. So until I had this card paid off, it always reflected that I was using my full credit limit. Instead of showing I owed {$1200.00} out of {$4000.00}. It showed I owed {$1200.00} out of {$1200.00}. I have worked very hard to get my credit score up to a decent score, so I can get a mortgage buy a car or do whatever I want because I can. Synchrony has closed accounts that I never even used. Those are all bad marks against my credit. I had a XXXX before synchrony started all this, now I have a XXXX. With 99 % of payments made on time with all my creditors. I don't believe these creditors should have that much control over my credit which is my life line for the future. 
I feel they have violated my rights to be me. I am really frustrated and sick about the whole thing, apparently there is nothing I can do about it and that stinks. The rules on the creditors need to be changed, I don't believe there has been an overview of the way they are allowed to conduct business in years. I don't believe they should be able to intentionally, knowing that if they decrease your credit limit from the original limit and keep you looking like you are maxed on your cards at all times is criminal. According to my credit report I was never late, why would they tell me I was on the phone?, yet they report to the credit bureaus every month and decrease my limit to look maxed out. If my credit report showed like 6 missed payments I could understand. They have ruined my credit rating because of this. 4 different cards

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 2020-05-29 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. ALMOST EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened a checking account with Chase in XX/XX/2018 under a promotion where I received a bonus for setting up an ACH. I provided the bank with a promo card that permitted me to maintain a fee-free account as long as I maintained the direct deposit. 

There was no problem for the first few months, but in XXXX I began to receive a $ 12 monthly service fee. I didn't notice the fee because I set up the account as a side account which I would have a small part of my paycheck go into. The first year shows only ACH deposits. Upon learning about the fees, I called Chase and was told that they could only reverse 4 monthly fee charges on the phone and that I would have to go into a branch to get the others reversed. Additionally, I was told that I was charged because I didn't have {$1500.00} in my account. When I noted that I was not charged for 4 months initially even though I didn't have a {$1500.00} balance, there was no explanation. I was told it would not be a problem to reverse, I just had to go into the nearest branch. 

The representative also suggested that I put money into the account to be on the safe side. I attempted to do a transfer from my XXXX XXXX bank account, but experienced technical issues on the Chase side. After calling a few times, I was finally able to get someone at Chase to fix the technical issue and I was able to do an electronic transfer. 

When I went into the XXXX, VA Chase branch, the manager laughed when I told him the story and he told me that he couldn't reverse the charges and the customer rep probably knew that and just wanted to get me " off the phone ''. He said he would not be able to assist me with the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29 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: GA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX CARD

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX CARD

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 2020-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX, I changed my XXXX payment process to auto-pay, and sucessfully paid the due amount of {$130.00}. Since XX/XX/XXXX, I was certain the auto had been set-up correctly. I never received any notice of an overdue payment, until XXXX reported a 30 day late to the credit bureau in XX/XX/2020. I never received any emails, phone calls or a letter/bill in the mail stating a previous months payment had not been received. I was never informed of any outstanding amount overdue from a previous month. My payment record with XXXX was excellent, and I would have made a manual payment sooner if XXXX would have contacted me. On XX/XX/XXXX, when I discovered the issue while looking at my credit as I prepared for my house purchase, I made an immediate manual payment of the total amount due for that month and the upcoming month totalling {$180.00}. When I tried to explain that I had no knowledge that I was behind on a payment, and that the auto-pay had been sucessful, XXXX did not want to hear it, and said it was all my fault. I was in disbelief and continued to contact XXXX in an effort to provide clear proof that there was no effort from XXXX to bring this to my attention, All my efforts were dismissed. On XX/XX/XXXX, I paid off the account in total for {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: CA

Complaint narrative:
On XXXX XXXX I charged a cruise from XXXX  XXXX with their XXXX agent XXXX for {$8600.00} to my Citi XXXX card. We took the cruise in XXXX, however the cruise was not as described on the purchase contract. The itinerary specified was not possible as the boat provided was not capable of traveling the distances required in the time required, resulting in us missing photography of the rare bird of paradise, which was the purpose of this trip. The food was not as described, it was poor, myself and my husband both had food poisoning from the ship food - resulting in us unable to participate in scheduled activities for 2 days each. It was not just us, half of the 10 passengers also had food poisoning - this was a remote area, there is no other food, except food provided by the boat. I brought up both of these problems with the company while we were there and there response was sometimes this happens. That is not acceptable, we paid a large amount of money for a once in a lifetime trip and miss the point of trip because of their poor planning and spend 2 days sick in a small cabin. I disputed {$2500.00} of the trip for the days we missed that were the travel providers fault. Citibank immediately denied the claim stating " we determined that we are unable to assist you because you received the services for which you contracted. Any further attempts to resolve this dispute will need to be directed toward the merchant. '' I replied to citibank and alerted them to the cardmember agreement " If you are DISSATIFIED with the goods or SERVICES that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay '' I have received no further response. I have not received the services I paid for, I expect citibank to protect me as specified in the cardmember agreement. This is particularly disturbing since I am a XXXX client and the card I used, Citi XXXX, has a very high annual fee of $ XXXX. I am paying for Citi to support me when I need it, I dont think I have ever disputed a purchase before, and the one time I need their help they don't even follow the rules of the cardmember agreement.

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 2020-05-29 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have been a Wells Fargo customer for 8 years. Back in 2017 I would be paying the minimum or more than minimum each month. I lost my job and then hired by XXXX. In XX/XX/2017 I failed to make a late payment due to personal financial hardship, due to having a XXXX. Then finally paid the amount on XX/XX/2017 ; a total of {$490.00}. This has been the only late payment on my history, ever, that decreased it to 97 % percent

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 2020-05-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
AS A CONSUMER, I NEED TO UNDERSTAND PLEASE WHY IS NOBODY LISTING TO MY COMPLAINS. THE CLOSED BANK OF AMERICA ACCOUNT. THIS ACCOUNT WAS OPENED, MAINTAINED AND CLOSED BY SOMEONE ELSE WHOM I DON'T RECOGNIZE. I HAVE NOT AUTHORIZED THIS ACCOUNT TO BE OPENED, MAINTAINED. SOMEONE STOLE MY INFORMATION, AND OPENED THE FRAUDULENT 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 2020-05-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. ALMOST EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2020-05-30 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. ALMOST EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because of items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX # XXXX, XXXX  XXXX  XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation