vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
The company is reporting that i was 30 days late three times. This account is on autodraft and I have never been late paying the bill on time because it automatically comes out. I have submitted a dispute to the company and to the credit bureaus with proof of on-time payment and have not gotten a response or my account info updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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 BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND HAS PUT A STOP TO ME PROGRESSING INTO THE FUTURE THAT I HAVE PLANNED FOR MYSELF. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had child support, and I have never been put on child support. I did some deeper research and I was told that someone used my name and social to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XXXX   XXXX {$8500.00}

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 2020-03-24 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had child support, and I have never been put on child support. I did some deeper research and I was told that someone used my name and social to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XXXX   XXXX {$8500.00}

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 2020-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I applied for consolidation of my federal student loans, this was approved. After approval, I noted with XXXX XXXX that I wanted to apply ( which i previously had ) for PSLF. They informed me, after than loan was processed, that my PSLF status was " started over '' and they previous qualifying payments I had made where gone and no longer counted. I have tried twice to cancel this consolidation and was told it was to late. No one, not Fedloan Servicing or XXXX XXXX, informed me that consolidation would restart this and I would loose qualifying previous payments. 

Now XXXX XXXX is saying this is not their responsibility, and I still need to make my payments, which I am aware of. If I reapply for PSLF, my loan goes back to XXXX and thus again I loose my previous qualifying payments. 

I was never informed of how consolidation impacts those on PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This bank Is ridiculous they respond to My Complaint after I closed my checking account they left bill pay on they send me a check this is Not fair only For {$20.00} when my bank charged me for their mistake {$150.00} in fees returned check fees when I had closed My account They never canceled today I get a letter from Them and a check Only {$20.00} and contacted the person on the letter she says if I Want the rest of the fees to File Another complaint against them For the remainder amount to be credited to me by check she said Not To Go To the bank that they are working And dont know Why they Didnt cancel The bill pay after closing my account she says she cancelled It immediately after seeing it was turned Im and agreed its not My Fault For their mistakes thats why she credited me for the error but their is more Money owed to me td send me {$100.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion has been a MAJOR problem, and due to their multiple errors, my mortgage company can not get a credit report, despite that I have spoken with one of their reps >2 weeks ago. When I applied to get a better mortgage rate, I tried to log onto my TransUnion Account. It all seems to involve credit report locks, which I placed myself, and have been able to remove temporarily using the apps. Now that doesn't work. It failed to recognize my answer to a secret question ; which never changed. After a lengthy phone debacle, I finally reached a rep, who reported that she would unlock my report, and would send info on resetting my question. That email never came. I called again, and was instructed how to change my password, which they said would fix the problem. I couldn't get to that point, because it still requested the secret answer. After yet another call, I was told that it should react that way, and she wanted me to try again. It STILL didn't work. On yet another call, I was told that I would need to set up another account. I did so, but now I can't access that account either. I was also told that the account WAS unlocked, but due to a fraud alert, the lender would need to call me. The bank confirmed again that the account was locked. When I try to recover my log in info, it doesn't recognize my SS # and last name. I have tried to retrieve the log-in info ; but it ignores name, SS #, etc. I have spent approx 3 hours with this dysfunctional system, and can't even cancel my account. I have been on the phone > 1 hr today, and am now 40 '' on hold. The back documented that TransUnion Still has blocked my credit report, now >2 weeks since I was told that it was unlocked. I can't refinance, because TransUnion is not responding to multiple attempts for assistance thru multiple numbers, with logging on, or to cancel this damaging service. 
I finally got a live person, but was dumped when being transferred, 55 minutes LOST. Nothing was done. 
My credit is being held hostage by this dysfunctional system that prevents me from cancelling.

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 2020-03-24 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: Capital Credit and Collection Service, Inc.
State: CA

Complaint narrative:
I should remember actually date because I came XXXX  three years ago till now especially with XXXX credits and XXXX  XXXX with XXXX XXXX even credit union are not reporting the right figure someone when to fit wrong impression on my credit union that I am ex servings that travel for overseas training course why I am not and never travel out from United States of America till I came into America in XXXX XX/XX/XXXX till very day I became America citizens in XXXX please I need an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: GA

Complaint narrative:
I have consistently disputed Experian for the verification method used to verify the bankruptcy on my credit report. I have a letter from the Court stating they did not list it, I also have a response from XXXX XXXX stating that my information has been locked. I've asked continuously for their method of verification and have yet to be provided anything but the same response over and over.

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 2020-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: NY

Complaint narrative:
I have emailed and called Lending Club over 7 times asking for a change in the payment amount due to unexpected financial disasters. One I lost income due to a XXXX and two the coronavirus. They have refused all options and yet email me saying they have a " hardship '' program. I ask them about that and they say I do not qualify and that is offered randomly to some customers. 

I recently emailed them several times to discuss specifically the changes if less income due to the coronavirus pandemic and they simply send an email stating that due to this " coronavirus '' their response time is later than usual but never respond. However they are sending payment reminders and I was late XXXX and they called repeatedly demanding payment. They are out of control. I simply want to lower my payment amount to about half until this situation resolves. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The INQUIRIES to date has NOT been proven COMPLIANTLY REPORTED such as to posses factually demonstrated document PHYSICALLY VERIFIED PROOF of adequate lawful PERMISSIBLE PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my reports.

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 2020-03-24 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my reports.

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 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to request your help. MACYS/DSNB is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX /Date opened XX/XX/XXXX/ Charged off/ Status closed/ Bal {$900.00} This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.

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 2020-03-24 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: NY

Complaint narrative:
I understand that this account with XXXX listed on the credit report needs to be reporting accurately and complete according to the FCRA. Since XXXX of XXXX, I have in back and forth correspondence with the 3 credit bureaus outlining the issues with this account reporting. This account information does NOT reflect accurately and in return, the FACT IN POINT is that this account is in violation of the law AFTER I expressed my concern and showed the error. I have a confirmation from the credit bureaus AND from XXXX ( SEC 1681 ) that they performed their investigation. After reviewing my newest credit reports, I can see the inconsistent information STILL affecting my credit. 

ISSUE # 1 : XXXX DELETED this account after I expressed the issue to them. HOW could they see the issue YET Experian and XXXX  NOT see the issue. There was NO actual investigation done! 

ISSUE # 2 HIGH BALANCE is incorrect. Experian is reporting {$3500.00} and XXXX  is reporting {$3500.00}. 

ISSUE # 3 : Date of first delinquency ... This is reporting inaccurately with XXXX of XXXX on Experian and XXXX of XXXX on XXXX. That's over 60 days.. How is this even possible if there was an actual investigation ISSUE : Experian or XXXX Intentionally REMOVED the positive reporting for XXXX and XXXX of XXXX. They are manipulating my score. This ND reporting for multiple months is misrepresenting my account history. And seems completely intentional to hurt my financial health I have included the images of the reports that were sent to my house. I am highlighting the errors still existing today. There was no investigation because the information is still violating the FCRA. I understand my rights and for me to keep mailing letters costs me money and time. Both if which I will seek compensation for if this is not fixed NOW.

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 2020-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The INQUIRIES to date has NOT been proven COMPLIANTLY REPORTED such as to posses factually demonstrated document PHYSICALLY VERIFIED PROOF of adequate lawful PERMISSIBLE PURPOSE

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 2020-03-24 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:
The INQUIRIES to date has NOT been proven COMPLIANTLY REPORTED such as to posses factually demonstrated document PHYSICALLY VERIFIED PROOF of adequate lawful PERMISSIBLE PURPOSE

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 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello, I have been attempting to reach someone at Chase regarding my home mortgage payments given my significant loss of income due to coronavirus. There is a laundry list of requirements to prove loss of income, including a profit and loss statement for my business for last calendar year. With the tax return deadline extended, I do not have such a document prepared and I can not prepare such a document in the 7 days I have left before my next mortgage payment is due. The process states that I need to supply all paperwork via mail and then someone will contact me to discuss in 30 days. Today, I attempted to call ... again ... to speak to someone at Chase. The wait time is 5 to 8 hours to  speak to someone. I am working and unable to stay on the phone for such an extreme wait time. This is completely ridiculous and the greed of Chase during this trying time should not be tolerated. I need help and they've created an iron-tight process to ensure that the company doesn't supply any. 

After an hour on hold, the line was " disconnected '' and I am continually having to call back to rejoin the queue to speak to someone. Chase has created a process so that they don't have to help customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: SC

Complaint narrative:
I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from XXXX  showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.

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 2020-03-24 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 BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND HAS PUT A STOP TO ME PROGRESSING INTO THE FUTURE THAT I HAVE PLANNED FOR MYSELF. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.

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 2020-03-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
A week ago I wrote this company and explained that I do not know who they are or what they are trying to scam, but to stop sending me mortgage collection notices. Now they are sending me insurance documents for a property in Florida. I live in Ohio. I indicated that if this continued that I would notify the proper authorities, but yet they continue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I sent money ( XXXX $ ) to my mother through western union ( MTCN # XXXX XXXX XXXX ) and i used my XXXX   account. I put the wrong address that's why she never had a chance to claim it. I decided to go to onilne help, they told me that there's no way to change the address, and then they advised me to refund it instead. I refunded it last XX/XX/XXXXand they told me that my money will be returned to my account for 7 banking days. Until now, im still waiting and there's no money returned.

Company response to consumer: Closed with explanation