vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: FL

Complaint narrative:
Today is XX/XX/2020 
The Federal Reserve cut interest rates to a low of 0.25 ( basis points ) over a month ago!!! 
No credit card ( bank or financial institution : including, VISA, MC, XXXX XXXX, XXXX, XXXX, Discover, XXXX XXXX, XXXX XXXX, XXXX, etc. ) wants to hear, listen, show interest, or negotiate, lowering the already staggering and very high interest rates ; some as high as 27 % to 30 % interest rates on revolving credit cards. 
This is up surd especially when the country is in an economic slowdown, market crash, soon to be a depression. We are currently confronted with a 5.2M unemployment count and only getting higher. Therefore, no jobs, people without incomes, and some even with no food to eat. Federal and State unemployment offices unable to keep up with applications. The IRS also unable to keep up with relief checks, and many businesses playing it by ear in a waiting game to see whether they will ever be able to reopen their businesses.

Many people are overdrawn in banks, unable to pay rents and other basic necessities.

The circumstances are dyer and all the while the richer gets richer and poor gets poorer ....!

CFPB, What can you do to stop the bleeding? How is that one can refinance a mortgage or a car note, apply for a forbearance and even put a stop payment on basic expenses like utilities?

Why is that credit card companies are allowed to continue to accumulate interest on top of interest, collect late fees, and even overdrawn fees? Why are they excluded from helping others, especially when the country is phasing a pandemic? Why are CREDIT CARD companies so special??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I received my tax refund on an American Express serve prepaid credit card last year and ive recieved my stimulus check in that same account and have no access to it because the card was only good for a year, Im locked out from logging in online and the customer service line isnt available right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have asked XXXX Equifax, and XXXX  repeatedly to remove the addresses I have never seen before on my credit report, they do not belong to me, I have been living at XXXX XXXX XXXX, XXXX, TN XXXX for the past 10 years, please contact them to remove all addresses that are not XXXX XXXX XXXX also my name is XXXX XXXX, not XXXX XXXX, I have repeatedly sent my license, my utility bill, and ss card to have them update and they still will not comply I want my personal information updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On or about XX/XX/2020, I inquired about a mortgage refinance loan through XXXX XXXX with XXXX, however I did not complete an application. 

On XX/XX/2020, I received a call from a lady asking why I was applying for a loan on her property at XXXX XXXX, XXXX, CA XXXX. I told her I did not and she said she received documents from PennyMac to that effect and the documents included my personal information including SSN and DOB. 

I then emailed XXXX XXXX ' office and was told by XXXX that he would escalate the mistake to PennyMac. 

On XX/XX/2020, I received a Credit Denial letter from PennyMac. 

Both PennyMac and XXXX acted carelessly and irresponsibly with my personal information and should be held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 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: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: OK

Complaint narrative:
I was injured at an apartment complex in XXXX XXXX, CO and became XXXX after falling down a flight of stairs. I have disputed the validity of the debt since inception and the debt collector has ignored my repeated attempts to put a stop this harassment. 

I have attached a copy of the most recent correspondence that has been sent to the agency requesting that they cease and desist all action on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have tried to contact ARS Account Resolution Services several times. They refuse to correct there errors. They are consistently reporting an accurate information on my credit report. Every letter that I have sent to them, The company refuse to even take the time to response to what in the letter. instead they send the same documents to me over and over. I am tried to call and talk to them but ARS still reporting an accurate information on my credit report, which is costing me thousand of dollars. They are claiming that I owe {$930.00} that I do not owe.

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 2020-04-16 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: PA

Complaint narrative:
I ordered my credit report through XXXX as instructed by the FTC Consumer Information web site on XX/XX/2020. I ordered a credit report from TransUnion. This required the submission of a social security number, date of birth, address, and answering security questions. My report came back for someone else with a different date of birth and a different social security number. I clicked the Initiate Dispute Button and then Start button on a new page to open a dispute and nothing happened. I clicked Found an Inaccuracy and nothing happened. 

I was able to obtain correct credit reports for my wife and me from XXXX with no issues. My wifes credit report from TransUnion was fine. 

There is absolutely no excuse for providing a credit report for someone with a different social security number and date of birth. I have enough information to steal this other persons identity. 

You NEED to contact me for the other person 's information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have asked XXXX, XXXX, and Transunion repeatedly to remove the addresses I have never seen before on my credit report, they do not belong to me, I have been living at XXXX XXXX XXXX, XXXX, TN XXXX for the past 10 years, please contact them to remove all addresses that are not XXXX XXXX XXXX also my name is XXXX XXXX, not XXXX XXXX, I have repeatedly sent my license, my utility bill, and ss card to have them update and they still will not comply I want my personal information updated immediately.

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have asked Experian, XXXX, and XXXX repeatedly to remove the addresses I have never seen before on my credit report, they do not belong to me, I have been living at XXXX XXXX XXXX, XXXX, TN XXXX for the past 10 years, please contact them to remove all addresses that are not XXXX XXXX XXXX also my name is XXXX XXXX, not XXXX XXXX, I have repeatedly sent my license, my utility bill, and ss card to have them update and they still will not comply I want my personal information updated immediately.

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 2020-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
I have reached out to Medicredit several times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) requesting the company to validate and verify the debit they are trying to collect is 1. Rightful mine 2. The correct amount. I was never given an original signed contract or any documentation of originality that would prove the debit is mine. Medicredit is falsely stating this debit is accurate and send me a bill for double the amount they are reporting to the three major credit bureaus ( XXXX XXXX and XXXX ) the past due balance reporting is {$1600.00}. Every time I request validation they send me a bill for {$2500.00}. Ive also disputed with the bureaus and its quite interesting that they have come back to say it accurate when clearly its not. I need proof this is my debit. I highly believe they have me mistaken with someone else. The numbers dont add up and Im still waiting for something with my signature and the amount owed. Please see attached documents ( credit report & bill from Medicredit ). Also every time I reach out to the company in writing I request that they send all correspondence to my current address and they fail to do so.

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 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX is reporting to Transunion a debt sold to XXXX XXXX XXXX XXXX XXXX  XXXX that has been dismissed. I have received a Request for Dismissal from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This debt is hurting my credit score and also is showing as Derogatory on my credit report. I would like this debt be deleted from my Credit Report as soon as possible. This debt is considered a charge off by XXXX XXXX, and should be deleted my from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: VA

Complaint narrative:
On XX/XX/2020 I checked my credit report from Transunion and XXXX. My credit score dropped 70 Points on Transunion and 75 on XXXX. They said thats its because my XXXX XXXX XXXX had increased by {$46.00}. I have never changed anything on the card for $ XXXXI dont understand how my credit scores could drop that much and I dont have any delinquent or late payments accounts. I have attached some documentation that shows how many times my score has changed. Such a decrease in my score prevents me from obtaining a good rate.

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 2020-04-16 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: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I experienced Identity theft in 2015. I reported the theft to all credit reporting agencies. I sent copies of police reports to all business that had been effected. This company Trident Asset Management I spoke with on the phone twice. They received police reports at that time. They are still reporting on my credit report, even after several disputes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: LEXISNEXIS
State: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On my closing day XX/XX/2019 my loan officer lied throughout the day via phone & email to myself, my realtor, & seller ( builder ) about my rights to change my rate. I believe the initial closing disclosure was fixed to sway me to make a decision my loan officer knew I would make. After making the decision the loan officer knew I would make, the final disclosure came back totally differently & I inquired on switching back my rate within the acceptable parameters. My loan officer stated the rule I pointed out to him no longer applies because of fluctuating market. He almost cost me $ XXXX dollars at closing. My loan officer also tried to scare me in pushing back my closing date & couldve cost me {$600.00} & three extra days to wait. I caught my loan officer lying to the seller explaining that I was outside the acceptable rate change parameters, which was lie. I have to believe my loan officer lied throughout my loan process as I asked about a XXXX ARM that is broadcasted on the company website and he told me they no longer do that loan. That ARM is still on their site & the rates were much better. I feel my loan officer set me up to get the most financial gain with lies. 30 mins before I was suppose to close on XX/XX/XXXX, my loan officer stop picking up the phone & couldnt be found. I had to have an agent get ahold of his supervisor who understood what I was trying to do & got it done within an hour. I had to push my closing back a few hours & luckily the law firm had an opening. It cost a lot of hardship on a day that is suppose to be happy. Weeks after closing, I receive an email from that Loan Officer congratulating me, couldnt believe it. I left a bad survey with company & requested to be contacted but no one has reached out to me. Leads me to believe that it is acceptable in this company. I really feel I couldve potentially had a better loan product & closing day if my loan officer didnt lie. There is no telling how much this has cost me financially, the prices I put are just what I know about. Along with the stress on closing day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: TX

Complaint narrative:
I received an email alert sent by XXXX XXXX that I have a new inquiry on my Experian credit report. I have not contacted anyone or any business that has the right to pull my credit report in the past days or months. As such, I have not given authorization to anyone to make an inquiry on my credit report. I called XXXX and they transferred me to Experian and they said they can't remove the inquiry on my file. This is an unauthorized inquiry that I am reporting and they will not do anything to help me at all.

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 2020-04-16 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: Innovis
State: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CCS company is reporting an accurate information on my credit report that severely impacting my credit about a debt that I do not owe. They are claiming that I owe {$370.00}. I have tried to reach out to this company several times but they refuse to correct there mistakes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I LEASED MY CAR ON XX/XX/XXXX AND MADE PAYMENTS UP TO XX/XX/XXXX WHEN MY VEHCILE WAS INVOLVED IN A FLOOD.AT THIS POINT INSURANCE SAID THAT THE CAR WAS TOTALED AND SAID THEY WILL TAKE CARE OF IT WITH THE LEASING COMPANY .AS OF XXXX XXXX XXXX ALL PAYMENTS WHERE MADE TO MY FINANCE COMPANY FROM MY INSURANCE COMPANY AND XXXX 
FURTHMORE, I RECEIVED AN ALERT XX/XX/XXXX ON MY CREDIT REORT THAT I AM 3 MONTHS BEHIND AND OWE {$1000.00}.

Company response to consumer: Closed with explanation