vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 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: TX

Complaint narrative:
In XXXX of XXXX I noticed an address in a state I never lived in on my credit report with Transunion. I requested to delete it and it still has not been deleted. I'm worried about fraud. I have never lived in XXXX Iowa. As of today the address is still on my account. I also get asked when any company wants to confirm it's me it states I have a mortgage I took out in XXXX. I rent and I do not have a mortgage. I have noticed inquiries that I dont believe belong to me. However my credit is not the greatest due to lack of credit since I don't use credit cards plus student loan debt so I'm unsure why anyone would want to steal my identity. I am still concerned about identity theft due to address being in another state and Transunion has not deleted it for some reason.

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 2020-04-04 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: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
There is a company on my credit report showing that I borrowed over {$20000.00} that Ive never had any dealings with. I dont even know anything about this company and have never had an account with them or never signed for or authorized anyone to open an account with this company at any time. It just showed up on my credit report recently showing that an account was opened in 2018. This is not mine. I tried disputing this to no avail. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Since XX/XX/2019, XXXX  and Experian stop allowed to operate his dispute center They are controlling life-changing information, and they clearly have no interest in fixing this issue avoiding customers dispute wrong accounts in reports which is illegal. Every customer by law have the right to review their account and dispute any wrong statements. By email they never receive the documents they state always please resend it never arrive. No one is doing anything to find a solution. Experian is running a similar scam, where their site is always down for disputes, you have to send things in the mail, they get lost, etc. I have submitted multiple disputes for erroneous reporting and have gotten a resolution expected when I tried to re submit did not allow. I hope CFBP will help doing something about this scam by this companies in which mos of the time get money from third parties to continue operating in this way.

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 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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

Complaint narrative:
I dispute this collection, whether it be my wife or myself we TOLD the hospital billing when admitted That they MUST use services ( doctors, tests etc ) that our insurance covers. All my collections are medical just like this. With all we pay for insurance and copays this is not right. I need these removed I will never pay these. Please help as this really stinks Medical collection accounts can be part of a credit report, but for privacy reasons, certain types of info is blocked from the reports provided to lenders. 
Medical collection accounts can be part of a credit report. However, for privacy reasons information that identifies the specific illness, type of treatment or the service provider is blocked from the credit reports provided to lenders or other businesses. 
Thank You, 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 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I accidentally paid off the full balance of the account. I recently sold real estate and had cash on hand and was attempting to make larger payments against my revolving credit. On XX/XX/XXXX I received notice that my account was closed. I called the company and they advised it was closed to to credit concerns. I was maxed out on my revolving credit, had collections, and delinquencies. I advised truthfully that this had been the case for over 5 years. I advised that I was trying to correct this issue by making larger payments and paying off a significant portion of that debt. They advised they would not reverse the decision. I have been a customer if the credit card for over 20 years. They incorrectly received the full balance and therefore made the decision to close the account. Extremely predatory lending. Advised that the payment was incorrect I would be disputing it with my bank and they needed to reopen the account. They advised they would not. They stated that I could reapply. I advised was not an option. They refuse to correct the situation. Very frustrating and just a sign of the times with these predatory Lenders these days.

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 2020-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I tried to place an order on a website using PayPal and had set up automatic payment before this. When I tried to submit the payment with PayPal, my preferred method of payment ( credit card ) was declined. As a result PayPal automatically charged the payment to my bank 's checking account without my consent. 

I did not select anything that would indicate to PayPal that I'd like to charge this amount to my bank account. I did not click anything that would set my checking account as the payment method for this transaction or as the preferred method to pay. As a result I was charged the PayPal currency conversion fee that is higher than what my credit card company would charge. PayPal made money by charging this payment to my checking account instead of my credit card. 

I had other credit cards on my PayPal account. PayPal did not attempt to charge them but directly to my checking 's account after my preferred payment method ( credit card ) was declined. 

I contacted PayPal about this and they refused to fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Got a letter stating that my account would be closing due to insufficient activity or information. Stated to call to prevent from closing. When I called they told me it's already closed and Chase wont give any other information. When I asked why they wouldn't tell me. I tried logging in online but it says its locked for fraudulent activity. Asked them about that ( account hadn't been funded yet ) and they wouldn't say anything other that I have to find another banking institution. Seems very shady that bank wont even give me legitimate reasons why my account was closed especially when they have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I dispute this collection, whether it be my wife or myself we TOLD the hospital billing when admitted That they MUST use services ( doctors, tests etc ) that our insurance covers. All my collections are medical just like this. With all we pay for insurance and copays this is not right. I need these removed I will never pay these. Please help as this really stinks Medical collection accounts can be part of a credit report, but for privacy reasons, certain types of info is blocked from the reports provided to lenders. 
Medical collection accounts can be part of a credit report. However, for privacy reasons information that identifies the specific illness, type of treatment or the service provider is blocked from the credit reports provided to lenders or other businesses. 
Thank You, 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 2020-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On XX/XX/2020 a representative from Lane Bryant  Commenity Bank called me for the second time in one week about making a payment. I told them both times that I am unable to make a payment due to not having the funds do to having to provide things for my family during the covid 19 outbreak. I am the only person working in my home. I just sent them a payment last month when I was able too and now they are harassing me again before XXXX is even a week in. I asked them if they could offer some type of extension and they asked me is I could pay. They were not trying to work with me, but treats me like I was lying about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Good Morning. My name is XXXX XXXX. I received an email stating that Chase was closing my Amazon Visa signature account. I have attached a portion of the letter. 

The only account with a high revolving balance is my XXXX XXXX Card. I use that card religiously and pay it a lot each month. My other cards are under 30 % The only requests for credit pulls is Chase pulling my credit 3 times within a 30 day period. I have never not paid my bill at all. This account has been opened for less than 30 days. CHase pulled my credit on XX/XX/20, JPMCB pulled my credit on XX/XX/20, and Chase pulled my credit on XX/XX/20. My score on XXXX  is a XXXX. It would be higher if Chase didn't pull my credit 3 times in a month. I don't know why XXXX XXXX takes so long to update but my balance with them is XXXX. 

I feel that the review is unfair and I am not happy about it at all. I feel like Chase just wanted a reason to close the account and discriminate against me. I would like this decision reconsidered seriously. I tried to call the reconsideration line and it wasn't open. I haven't even gotten my first bill yet in order to pay it and prove myself. 

I was planning on going into the branch on Monday and open up a business account so that I could establish my business with Chase. I am not sure if I will do that right now. I am a bit stunned that this is what I woke up to. I came to chase because my parents have a mortgage with you. My mom has a card with you and I am an AU. I have been wanting to get in the door and this is a beginner card with me. XXXX and XXXX have been better with me and have treated me fairly and right. They haven't done this to me at all. Yet Chase closes my account. Someone from the Reconsideration line had me on the phone for almost an hour to get this account approved. They looked at my balances and everything. Same for the temporary credit limit increase. THis isn't right. I take care of my credit. I have worked hard to get to this point. Any company is lucky to have me because I use my card, I pay my balances, and I pay way before the due date. I take my responsibility very seriously. 

I appreciate this being rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
# XXXX account this account is NOT mine! I have contacted Equifax over 18 times to remove this account that isn't mine. They show no proof of where they verify this. I have even sent them a hard copy of proof showing this isn't mine.

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

Complaint narrative:
I am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by Experian. Experian said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for Experian. Even XXXX  ( XXXX to the Banks and XXXX to me ) and XXXX XXXX ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid Experian to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach Experian, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?

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 2020-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I borrowed {$1800.00} from CashNet USA and have repaid {$2000.00}. The company has received ALL of its loaned amount back plus some. The problem is it still plans to collect another {$1300.00} meaning it will get {$3300.00} for the {$1800.00} borrowed. This is outrageous!!! 

Given the current state of our world, I beseech Cash Net USA to settle my account with one more payment by me paid via check in the amount of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
On XX/XX/2020 I contacted customer service at Mr. Cooper to discuss the financial impact the COVID-19 pandemic is having on my ability to make my mortgage payments on time and in full. I own three rental properties, two of them which Mr. Cooper services the mortgages. I am aware that Mr. Cooper is currently offering forbearance ; however, after reviewing the terms of that program, I can clearly see it will place a tremendous financial burden on consumers at the end of the time period for which it is specified, namely, the accumulation of mortgage payments which will be due in full at the end of the forbearance simultaneous with attempted economic recovery by myself and other consumers. I do not anticipate having a large sum of money pay towards that amount. Therefore, I requested loan modification. I was informed the process could take up to 30 days per property. When I asked what to do about my inability to make my currently-due payments, I was not offered any viable solution and was told that fees will be assessed on late payments and my credit will also be negatively affected. I believe the time period for review and approval of loan modification is excessive, given the dire circumstances our country is in due to COVID-19. I have a mortgage with another lender ; they offered to immediately send documents for me to sign which would expedite loan modification for three months, which will provide great relief to my financial situation. I also believe Mr. Cooper 's threat of negative action against me is inappriopriately punitive. Further, I see Mr. Cooper 's program of forbearance as short-sighted, unrealistic and financially burdensome, given the extreme hardship that will impose on myself and other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by XXXX. XXXX  said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for XXXX. Even XXXX  ( XXXX to the Banks and XXXX to me ) and Trans Union ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid XXXX  to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach XXXX, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?

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