vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I found the legal name of the court is incorrect in my credit files with XXXX XXXX, XXXX   and Equifax. I submitted the correct legal name to both credit bureaus. XXXX XXXX deleted both items, the discharged and dismissed bankruptcies. XXXX  and Equifax both replied they could not identify me and therefore couldn't find me within their files. I find this incredulous! Because I forwarded both credit bureaus with the first page of my credit report received from them. Nevertheless, I submitted the identifying documents and continued to ask for the removal of the bankruptcy items. XXXX  continues to list the bankruptcy item in my credit file. Equifax has corrected the name of the court. According to the FCRA, if the credit bureau is found to have incorrect information, they must delete the item ( s ). Since the reporting of this item in my file, I have been denied credit for a secured card.Attached are the initial ( XX/XX/2019 XXXX second ( XX/XX/2019 ) and third requests submitted to XXXX XXXX, XXXX  XXXX XX/XX/2019 XXXX and Equifax XXXX XX/XX/2019 XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. 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 U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, 11 XXXXXXXX, 11 XXXX XXXX XXXX, 08 XXXX XXXX XXXX  XXXX XXXX XXXX. Inquiries : 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 explanation
Consumer complaint received 2020-06-16 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 cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. 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 XXXXXXXX XXXX U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXXIXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  11 XXXXXXXX, 11 XXXX XXXX XXXX, 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : 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 explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Mortgage Account at Wells Fargo Monthly payment amount of {$1300.00} Requested covid suspension for 90 days. They granted, but didnt tell me what would happen at the end of 90 days - just gave me a list of potential options that MAY be granted at the end  depending on who the loan was backed by I emailed them about 7 times over the course of this period and they refused to give me an answer, just the same generic email responds as before. They then sent me a letter with the same generic info. When i call in, no rep can give me an answer and just keep forwarding me to an automated system that only gives balance info etc. very frustrating to not be able to plan for what happens at the end and im sure they prefer it this way In my opinion they have been, and still are, the worst major XXXX XXXX XXXXXXXX

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 2020-06-16 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 trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. 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, US DEPT ED. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax can not locate my credit file. 

In applying for a home mortgage I discovered ( was notified by my lender ) that XXXX  and XXXX  were reporting my credit, but Equifax was not. 

This does not make any sense, as I have had credit cards for over 6 years - through XXXX   XXXX XXXX and XXXX XXXX. I have contacted XXXX XXXX  XXXX and XXXX XXXX and they both confirmed that they were reporting my accounts to Equifax. 

I have contacted Equifax monthly for over 6 months now, and they have told me the same thing every time : " Equifax can not locate your credit file. '' I have responded that that is the exact problem I am trying to solve and every time they have insisted to me that the only way to solve this problem is to mail or fax them a copy of my Driver 's License, Social Security Card, and a cover letter explaining why I'm sending them this information. I have done this four times now, three times by fax and one time by mail. Two times I have gotten the same letter of response saying " Equifax can not locate your credit file '' ( attached documents ), and two times I have not gotten a response at all.

Now I am trying to buy a house and my mortgage lenders will not give me a loan with only two out of three credit reporting agencies reporting my credit. I have been dealing with Equifax for nearly 9 months with this issue, and they seem to be careless with my personally identifiable information - Social Security card and driver 's license, along with cover letter stating my addresses over the past five years. 

Is there anything that can be done to get Equifax to recognize that I'm a real person and report my credit? I'm a Federal Government employee who has had finger prints taken and background checks performed, and have an extensive borrowing history through XXXX  XXXX XXXX and XXXX XXXX. My credit score is excellent, and I have never missed a payment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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:
The payments on the student loan was deferred from XXXX XXXX XXXX  in XXXX, 2020 due to the current pandemic COVID19.  XXXX XXXX XXXX  still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XXXX, 2020 which was incorrect. There was no communications either through written mail or phone from XXXX XXXX Bank from XXXX, 2020 through XXXX, 2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted XXXX XXXX XXXX   stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and XXXX XXXX XXXX  still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.

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 2020-06-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The payments on the student loan was deferred from XXXX XXXX XXXX  in XXXX, 2020 due to the current pandemic COVID19.  XXXX XXXX XXXX  still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XXXX, 2020 which was incorrect. There was no communications either through written mail or phone from XXXX XXXX XXXX  from XXXX, 2020 through XXXX, 2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted XXXX XXXX XXXX   stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and XXXX XXXX XXXX  still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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:
The payments on the student loan was deferred from XXXX XXXX XXXX  in XXXX, 2020 due to the current pandemic COVID19.  XXXX XXXX XXXX  still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XXXX, 2020 which was incorrect. There was no communications either through written mail or phone from XXXX XXXX XXXX  from XXXX, 2020 through XXXX, 2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted XXXX XXXX XXXX   stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and XXXX XXXX XXXX still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.

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 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Requested May Covid relief on XXXX XXXX, was told on the phone it'll be apply to XXXX statement, instead Amex charged interest forXX/XX/XXXX-XX/XX/XXXX statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/XXXX  synchrony bank closed my account. I did have some adverse things going on due to covid 19. but when I logged into my account I discovered that my account was closed.They claimed my score was at XXXX on XX/XX/20 when in fact it was XXXX. I decided to pay off my card on XX/XX/XXXX so they would not make another penny of  interest on me.I also was paying my bill on time even with the covid 19 pandemic to no avail. Not right for synchrony bank to do this.

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 2020-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX, I submitted a student loan refinance application to Social Finance ( SoFi ) after receiving numerous prequalified notices/promotions. The refinance amount is {$65000.00}. 

I am a current federal employee, making $ XXXX annually, and have worked part-time at XXXX XXXX 25-30 hours a week for six months, equivalent to $ XXXX annually. I have a XXXX credit score. 

They denied my application because I can not provide proof of having worked two jobs for a minimum of two years, thus they disqualified my part-time income for consideration in approving my refinance. I spoke on the phone with two separate people at SoFi, one being a customer service representative, and another being the office of the CEO. 

I can not overstate how ridiculous, overburdensome, and income-based discriminatory these qualifications are. I AM ONE YEAR OUT OF XXXX XXXX. How on earth would I have proof of two years working two jobs. Second, income is income. I have provided sufficient documentation to verify my part time income, which is being scrutinized for how and where it is earned. This is clearly a biased financing practice and should not be condoned. Third, the fact that I have to work two jobs as a government employee just to afford student loans to get a job that REQUIRED A XXXX XXXX, should speak volumes and should not be used to disclude me from access to affordable refinancing options that I am overqualified for given my history and income. I should not be required to provide a co-signer when I have no red marks to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. 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. Inquiries : 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 explanation
Consumer complaint received 2020-06-16 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 buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. 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. Inquiries : 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 explanation
Consumer complaint received 2020-06-16 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
As of XX/XX/2020 I placed a dispute through XXXX  that my credit card balance with Target Redcard ( TD BANK ) is still reflecting an inaccurate balance of {$250.00} when this was paid in full as of XX/XX/2020. Today is XX/XX/XXXX, and my dispute was completed with the same balance that Target REDCard reported with the same inaccurate balance. 

I tried calling Target REDCard customer service to speak to a supervisor to have the balance information updated but was spoken to rudely and refused on several fronts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I found the legal name of the court is incorrect in my credit files with XXXX XXXX, Experian and XXXX. I submitted the correct legal name to both credit bureaus. XXXX XXXX deleted both items, the discharged and dismissed bankruptcies. Experian and XXXX  both replied they could not identify me and therefore couldn't find me within their files. I find this incredulous! Because I forwarded both credit bureaus with the first page of my credit report received from them. Nevertheless, I submitted the identifying documents and continued to ask for the removal of the bankruptcy items. Experian continues to list the bankruptcy item in my credit file. XXXX  has corrected the name of the court. According to the FCRA, if the credit bureau is found to have incorrect information, they must delete the item ( s ). Since the reporting of this item in my file, I have been denied credit for a secured card.Attached are the initial ( XX/XX/2019 ) second ( XX/XX/2019 ) and third requests submitted to XXXX XXXX, Experian ( XX/XX/2019 ) and XXXX  ( XX/XX/2019 ) credit bureaus.

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 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
To whom it may concern, Citi Bank / Best Buy credit card opened without consent. 
I am being charged {$39.00} per month in late fees for a card I did not consent to open.Went to Best Buy to purchase a XXXX  reader for my phone. The associate recommendedI purchase a usb to save information from my phone because the XXXX  was not working. Left my phonewith the associate for about 3 hours to download information to the usb. While waiting I picked up pretzels and batteries. I needed to leave after 3 hours. They mentioned that they were charging me {$190.00} and had me sign papers. I asked how I would pay since I did not want a credit card. I mentioned to them that I do not see well and could not see what they were having me sign. I mentioned to them that I did not want a credit card several times. I asked them if I could pay {$100.00} and pay the rest over time. They mentioned that I did not have to pay. I was under the impression that I was payingfor the items in increments over 18 months. When I got home the XXXX  did not work and the usb was blank. 

Compaint against : Best Buy : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Illinois. The credit card comes from Citi Bank/ Best Buy Thanks in advance for your help with this matter.

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 2020-06-16 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. 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. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ACCT, 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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2020 5 transactions were fraudulently done on my Chase Bank Visa debit card. All the transactions were sent to XXXX Transaction 1 : XXXX transaction 2 : XXXX transaction 3 : XXXX transaction 4 : XXXX transaction 5 : XXXX These were not authorized by me or any member of my household. Chase bank will not give me any details as to how this was verified and will not validate these as fraudulent transactions.

Company response to consumer: Closed with monetary relief