vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 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: NC

Complaint narrative:
I looked at my credit report and saw a Hard inquiry from XXXX in XXXX, Flordia. I never used this company and never provided any of my information for it. I tried to call the creditor and they instructed me to call Transunion. Transunion told me that the creditor has to let them know that the information is incorrect so they could take it off my credit report and the creditor still told me that they could not take it off even when I know they can. This hard inquiry is affecting my credit and it needs to be removed immediately. The Inquiry is named National credit cards/Airlines.

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 2020-06-11 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: WI

Complaint narrative:
XX/XX/2019 I found out my identity was stolen. I filed a report with the FTC and with the police department. I mailed all the paperwork to Equifax and they refused to remove the information. They still have the fraudulent items on my credit report. I have requested multiple times for the items to be removed. 

XXXX  XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX  XXXX  XXXX/XXXX  Also there are 10 inquiries that were not authorized by me and they have refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have tried over the years to get my credit report from XXXX  free  XXXX  XXXX and cant. Also with equifax on their website I can never get my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: NY

Complaint narrative:
The current amount due on my XXXX XXXX XXXX Credit Card is {$4200.00}. The updated balance should reflect this amount.

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 2020-06-11 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have tried over the years to get my credit report from XXXX  free  XXXX  XXXX  and cant. Also with XXXX  on their website I can never get 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 non-monetary relief
Consumer complaint received 2020-06-11 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: NY

Complaint narrative:
The current amount due on my XXXX XXXX XXXX Credit Card is {$4200.00}. The updated balance should reflect this amount.

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 2020-06-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am applying for a mortgage. My credit was pulled and Equifax returned a score of XXXX on XX/XX/2020. I noticed information I thought was incorrect and filed a dispute and no updates we made based on dispute. On XX/XX/2020 my score was checked and they returned a score of XXXX which is now going to cost me $ 1000s of  extra in interest. The company has been unable to explain why my score decreased despite no additional information. As far as I can tell filing a dispute cause my score to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: WI

Complaint narrative:
XX/XX/XXXX I found out my identity was stolen. I filed a report with the FTC and with the police department. I mailed all the paperwork to Transunion and they refused to remove the information. They still have the fraudulent items on my credit report. I have requested multiple times for the items to be removed. 

XXXX  {$410.00} XXXX  XXXX {$1200.00} XXXX/XXXX  {$780.00} XXXX/XXXX  {$830.00} XXXX/XXXX  {$160.00} XXXX XXXX  {$2500.00} XXXX/XXXX  {$1800.00} Also there are 39 inquiries that were not authorized by me and they have refused to remove them. All inquiries listed are fraudulent except XXXX XXXX  dated XX/XX/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 2020-06-11 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: FL

Complaint narrative:
Experian failed to investigate a dispute, Experian is not investigating disputes, they just notified the creditor of the dispute and letted the creditor decides if the information reported is incorrect or not. 
Experian sent me a letter saying that : If the account was opened as a result of identity theft, the creditor may not know how to contact you to discuss this matter, the credit requested that you contact them directly ... 
And the disputed account remained in my credit report. 
I sent a letter to the credit bureau directly notifying them with an explanation of the issue, by law they should investigate my dispute in their ends but they failed to do so. 
Others Credit Bureaus investigated my dispute and deleted the information from my credit report but Experian is not doing the investigation appropriately.

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 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have had the account with this company for years never had any issue now that i decided to use my right and features of having this card and add authorized users to the account my account gets labeled with " Frivolous Fraud '' hindering my ability to use the account this issue has been going on for almost 3 months they have requested documents of my current authorized users once i sent it in they know claimed they needed information from those who aren't even on my account any further, then i sent that and it was a so called issue of not being able to read the documents once sent again the continue to give me bs excuses and never once asked to verify my information as the account holder im beyond fed up this company has no issue taking my money but has an issue communicating what the issue is with my account I will be filing a civil suit against this company since they don't seem to be able to get this resolved and think there going to have me running around in a middle of a pandemic this has gone on way to long and this is the final straw this seems to be a case of discrimination after conversing with every representative I have now enough proof and evidence to file my claim against this company for discrimination and being prejudice. This has caused me more harm and XXXX to my XXXX and all this XXXX  i will seek damage for if this isn't resolved within 15 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am trying to connect my back account with XXXX and it will not allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: LA

Complaint narrative:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have had the account with this company for years never had any issue now that i decided to use my right and features of having this card and add authorized users to the account my account gets labeled with " Frivolous Fraud '' hindering my ability to use the account this issue has been going on for almost 3 months they have requested documents of my current authorized users once i sent it in they know claimed they needed information from those who aren't even on my account any further, then i sent that and it was a so called issue of not being able to read the documents once sent again the continue to give me XXXX excuses and never once asked to verify my information as the account holder im beyond fed up this company has no issue taking my money but has an issue communicating what the issue is with my account I will be filing a civil suit against this company since they don't seem to be able to get this resolved and think there going to have me running around in a middle of a pandemic this has gone on way to long and this is the final straw this seems to be a case of discrimination after conversing with every representative I have now enough proof and evidence to file my claim against this company for discrimination and being prejudice. This has caused me more harm and XXXX  to my XXXX and all this XXXX  i will seek damage for if this isn't resolved within 15 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: SC

Complaint narrative:
I am a victim of identity theft and I have notified the credit bureaus on several occasions. I have submitted my supporting documentation over 30 days ago. The credit bureaus have failed to provide me with proof that these accounts are mine and I have notified authorities of this. I requested an investigation to verify the debt and they have failed to do so. This information needs to be removed 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 2020-06-11 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: IL

Complaint narrative:
Wrong address some type of fraud.

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 2020-06-11 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: IL

Complaint narrative:
Did not authorize to pull 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 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover failed to close my account at requested, and resulted in additional charges and even late fees. 

On XX/XX/XXXX, I made a call to Discover customer support to request to close my account, because I was leaving US. They promised to do so. 

Recently ( XX/XX/XXXX ), I received an email saying that I owe Discover {$310.00}. I didn't think this was possible, since I have requested to close my account more than a year ago. So I logged into to my account, found out that there were two auto-renewal services that charged me in the beginning of XXXX. But because I was completely unaware of this, the debt piled up and Discover kept charging me late fees ever since.

Had Discover closed my account at my request a year back, none of these charges should have happened. It was Discover that failed my request, yet I had to pay for their mistake, and they even benefited from this by charging me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Company keeps calling and hanging up repeatedly. Will call from several numbers. At times, I can hear breathing. They will call as early as XXXX and as late as XXXX every single day at least 15 times a day. I have an app that automatically detects spam calls and Ive blocked several numbers but they still call using other numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a check from a user with {$2800.00} on XX/XX/XXXX and made the deposit to my Chase checking account. The status becomes from pending to deposited on XX/XX/XXXX and balance increased by {$2800.00}. After I saw the amount came to my account, I made a payment {$700.00} to the user too by Chase XXXX quick pay within the Chase.com. On XX/XX/XXXX, the check shows returned, the bank deduct {$2800.00} from my account, and I tried to contact the user, the user doesn't reply the message/phone/email. So I contacted the Chase bank, they just tole me nothing they can do from their end. The chase continues to deduct the amount from my account, and can not reverse the following payment I did. Chase has very misleading information which is a high risk for all the customers. It shows the money came to my account then reverse it the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I want to use my XXXX  APP to link my PNC account, but PNC prevents linking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Around XXXX XX/XX/XXXX time frame, i was issued two store credit cards at Rooms to Go and Value City Furniture stores through Synchrony Bank . I received mail notification dated XX/XX/XXXX that the bank was closing both of the accounts listed. The reason given was based off my credit report/ score.1 ) Too  many Revolving Accounts ( i have no new credit, the same account on my files was there in XXXX when they approved my accounts ), Not enough balance paid off ( My Value City Card {$2000.00} plus balance was paid in full within 12 months on a 36 months finance, there hasn't been any new charges since the initial purchase in XX/XX/XXXX ). To many bank cards with high balance ( I've had the same credit cards now that i had in XXXX when i was approved for the cards in the complaint ), Too many delinquent accounts ( some of the collections on my account is not mines and the credit card accounts with a discrepancy accounts showing closed have been on my credit report since XXXX when these a cards was approved ). Since I've had these cards I have never been late or delinquent on a payment, I have paid my account at least 15 days early each month unless i had paid the account in full in-which Value City has a XXXX  balance.Based on my conversation with their customer service rep is the evaluate customers every 90 days, if so why did they elect to close my account now when the country has been going through a pandemic over the pass three month although the world is going through this time, i have still manage to make on time payments and my credit score is better now than it was when Synchrony Bank done their previous evaluations. I feel that this adverse action was taken out of retaliation based on a dispute i submitted in XX/XX/XXXX of a purchase i made in XX/XX/XXXX where Value City Furniture ordered and delivered me the wrong items and when they refuse to make the corrections I contacted Synchrony Bank where they conducted an investigation and on XX/XX/XXXX issued me a letter crediting my account for the mistake that Value City made on my account. After the credit adjustments was made I received two letters dated XX/XX/XXXX stating both of these accounts was being closed by the bank. Most credit companies if they felt a credit risk and you have been at good standing with that institution a length of time they will lower credit limit verse act in a way to help destroy a customer credit..

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 2020-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI

Complaint narrative:
I was in the process of refinanceing my Mortgage, which I started in XX/XX/2020 I was working with someone from Lakeview Loancare Loan servicing, I had submitted all the info paper work and such and was told I would be closing the end of XXXX. I revieced an email on XX/XX/XXXX From XXXX XXXX Mortgage loan officer not to make my XXXX payment that we were close. I emailed hime several times and he responded that we are all good and close. well when I didnt hear anything back by XX/XX/XXXX I started to call the customer service line because XXXX was not answering my phone calls or emails. I found out that they kick out my refiance because I was 30 days late on my payment. I spoke to a few managers XXXX XXXX XXXX for one who said he was going to see what he could do .. I also spoke to a Mo XXXX and it is now a week later and I have heard nothing back. I made XXXX and XXXX payment now. but I want this refinance they had me locked at 3.1. This is not my fault and terrible costumer service on their part.

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 2020-06-11 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: NC

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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