vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: ID

Complaint narrative:
US SM Bus iness Admin HARD inquiry XX/XX/XXXX XXXX XXXX XXXX HARD inquiry XX/XX/XXXX Experian will not allow me to dispute these two hard inquires online. 
Indicated I must go through Reporting Parties. 
Reporting Parties have NO information relating to me or the inquires. 

I did not request credit applications for either mentioned above. 
Experian indicated that I needed documentation supporting from reporting parties. They have no information to send to Experian. 

There is nothing in their systems with my name or signature. 

They refuse to allow me to dispute the hard inquires. 

These are not my applications, they need to be removed from my credit report they are damaging my credit history.

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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The " credit reporting agency '' Experian has repeatedly recommended " credit cards '' to me. cards they are in partnership with and/or being paid to promote on their website. The card offers come via experien with the recommendation that these cards ( for example XXXX XXXX XXXX will " improve your credit score. '' I being a consumer trying to do everything I can to get my credit higher I believe experian. So I get the XXXX  credit card. But I quickly realize upon logging in to XXXX that their prices are tremendously inflated. I realize this card has extremely predatory marketing practices. Shipping rates are insanely high but if you purchase $ 200+ there is no shipping cost. Which is basically a technique used t get people in more debt. Then after not using the card I got an email stating my XXXX account would be shut down if I didn't use my account by XX/XX/2021. KNOWING that a closed credit account will make my credit bad I the consumer feel pressured to now buy something that is insanely inflated just TO KEEP THEM FROM MAKING MY CREDIT BAD by closing my account! this is the very definition of fraud of predatory techniques. So in effort to save my credit I but the cheapest thing I can a set of 6 wash clothes which state {$30.00} INSANE. Then by the time I check out it's now another {$20.00} in taxes and shipping. I am literally being forced to pay {$50.00} for six wash clothes to keep them from denting my credit score!!! How could experian suggest this card to me? When checking out they say there is an error and I should rather call their customer service to check on on the phone. I am at work during the hours they are open. I don't have time for calling customer service waiting on hold. This is the biggest scam. The fact that Experian suggested the card to me lets me know that Experian is somehow benefitting from these scrupulous card companies. How could this be legal? Oh! that's right because our politicians are in bed with the predatory credit card companies which make it legal. I understand this is a government agency and you can't really go after these companies because what they are doing is legal ( thanks to our politicians ).

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 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I noticed unauthorized charges on the card and called the company, Barclay Card about the issue but it has not been resolved and the charges totalling approximately 6000.00 kept appearing until the card was cancelled. The companies named on the invoice were XXXX, XXXX and XXXX, none of which i contacted although I do have a XXXX account. I have contacted the company several times. Paying these charges would very difficult in the present circumstances and is causing tension in the home, so i would like to resolve the matter as soon as possible. As a credit card customer who pays a yearly fee i thought i was protected from fraud of this sort, however i was unawware and not alerted to suspicious activity. For example over 70 charges rngeing from XXXX to XXXX were billed on a single day to these companies, shouldn't i have been notified? 
Thanks for your time and consideration, 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 monetary relief
Consumer complaint received 2021-03-22 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: ID

Complaint narrative:
Transunion is reporting a hard inquiry on my credit report for XXXX XXXX  XX/XX/2019 I did not apply for anything through this bank The Bank has nothing with my information in their system therefore there is nothing for them to send me or transunion to support a hard inquiry. 

Transunion indicates that the Bank needs to request the removal of a hard inqury.The bank will not do this because they have NO information on me. 

Transunion will not allow me to dispute 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 2021-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I applied for a Citizen 's bank checkings + savings account in order to take advantage of their {$600.00} promotional offer on XX/XX/XXXX and was approved the same day. 

The promotion was a public offer by clicking on the following hyperlink : https : XXXX *Please note that the page does not exist anymore, but was a public online offer that was accessed by hundreds, if not, thousands of people. 

The offer is as follows : Citizens Bank is offering a bonus of up to {$600.00}. Bonus is broken down as follows : - Get a bonus of {$300.00} when you open a new one deposit checking or Platinum checking account and make a direct deposit of {$500.00} or more within 60 days - Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months - Get an additional {$100.00} when you do both I completed the checkings Direct Deposit of {$500.00} on XX/XX/XXXX. 

I completed the savings deposit of {$15000.00} on XX/XX/XXXX. 

As of Citizens bonus payout time table, I was expected to be paid {$600.00} by XX/XX/XXXX. 

Till this day, XX/XX/XXXX. I have not received the bonus and have been in contact with multiple representatives from the escalation team, to the marketing department who have not been able to locate the promotion. They told me that are not able to do anything. 

I feel cheated out of my money, which was essentially a free loan for the bank. I feel deceived and ripped off from this institution who promised to pay {$600.00} for a person to complete their tasks ( which I did ) and as a user acquisition cost. 

They advertised this promotion and should honor it for those who have completed the terms. My money was tied up with citizens bank for the entire duration and I want to be fairly compensated as they promised for their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good evening : During the year 2020, I purchased from XXXX XXXX XXXX XXXX, XXXX 700 Boxes of its product XXXX XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX, but backed by XXXX company, which is located in California, then I I started sales through XXXX AND XXXX, of which XXXX boxes were defective, next step, I contacted the selling company and they didn't want to help me, then I started a dispute for XXXX and they couldn't help me either, then I started a dispute on the card from Chase Bank with which I bought the products and they gave me the money back and as the days went by chase bank the credit card, they reloaded it to my account for {$4700.00} and the Card is : Chase Bank number XXXX. 
Then I spoke with the people of Chase Bank and they asked me for more documents and I sent them that were the returns that my clients made on their defective products. 
CHase Bank without talking to me again gave the {$4700.00} to the company XXXX, which is a sales platform, and they sell defective products and the XXXX masks that sell them FALSIFIED, I ASK YOU TO PLEASE REVIEW THE CASE, and prohibit the company that sold, please re-sell your defective products.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: TX

Complaint narrative:
XXXX, XXXX, and Equifax have not complied in deleting accounts from my credit reports that DO NOT belong to me. I have disputed the inaccurate information with XXXX XXXX XXXX ( the collection agency ) on my credit reports and after several ignored attempts on their behalf to remove this inaccurate information I felt the need to reach out to CFPB as a final recourse before taking legal action. I really don't have extra money to waste for litigation but I will have to proceed if this doesn't get taken care of. I reached out to XXXX XXXX XXXX after they contacted me about 3 accounts that they claimed belonged to me. I informed them that I those were not my accounts and and disputed them and they sent me a letter saying the accounts had been validated. I knew this was a mistake and a thorough investigation had not been done because these accounts don't belong to me. I reached out to them in XXXX of XXXX and also in XXXX of XXXX requesting information as to how they " validated '' the debt. I asked them for the names of the original creditors, the account number, the amount owed, details regarding the age/amount of the debt, copy of the last billing statement from the original creditor, and any signatures of mine on any of the documents. I know they have 30 days to respond but each time I sent them the letter asking for validation info they ignored or didnt respond and I waited 60 days to send another letter and that letter never got a response either. I reached out to all XXXX credit Bureaus XX/XX/XXXX explaining what happened and they still have not removed these accounts from my credit reports. The collection agency failed to send proof of the debt but yet the credit bureaus aren't doing their due diligence in removing this inaccurate info. 
Accounts that need to be removed : XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct XXXX, and XXXX XXXX XXXX Acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX stop reporting my payments to the credit bureau agencies from XX/XX/XXXX to XX/XX/XXXX. Their reason/excuse is due to the economic relief Cares Act which has actually hurt my credit rather than help it. In addition to this, XXXX XXXX have FALSELY reported my payment history in previous months. They reported my account to be 60 day late twice in XX/XX/XXXX and XX/XX/XXXX. I disputed this information with the credit bureaus twice but the inaccuracy remained. Finally I wrote XXXX XXXX XXXX department on XX/XX/XXXX, they replied to me via mail and according to their own research, the payment history they provided for my account DOES NOT show any 60 day late in XXXX ( see attached ). So the information provided to me from their research letter IS NOT the same information they're providing to the credit bureaus.I provided the letter to the credit bureau ( XXXX ), they acknowledge the discrepancy, however they inform they are not able to update the information without XXXX XXXX XXXX providing them the updated information. This issue has made it extremely hard for me to purchase a home for my family as well as other financial obligations ( rental, auto refi, etc ). Infiniti Financial Services should be held accountable of the way they've mishandled my accounts. This is a clear violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I received a letter from Comenity Bank dated XX/XX/XXXX that my credit line was closed by the creditor due to inactivity. I had a name change in XXXX and called the creditor no less than three times requesting a new card with my new name on it. I was told in XX/XX/XXXX that my card was on the way. I called in XX/XX/XXXX because I had not received my card and I was told that my account had been closed. I asked to speak with a supervisor regarding this and was told that my account was not closed and a new card would be sent in the mail. On XXXX XXXX I called again because I wished to order something and was told that my account was closed and that I would need to use a different form of payment. Within the same week, I received a call from someone asking if I wanted to open a business line and I asked them to look in to my personal account, when I was again told that my credit line was closed. I asked to be taken off the call list because I kept receiving conflicting information on whether my account was closed or not. According to the letter dated XX/XX/XXXX, my account was in fact open until XX/XX/XXXX when it was closed for inactivity. This has negatively impacted my credit score due to the line being closed, and if I had known it remained open, i would have continued to utilize the credit line. I believe that I did not receive proper documentation regarding the status of the account, despite several requests, and I did not receive any adverse actions when my requests for a new card sent out were declined, and I am not sure why they were declined. I tired to call Comentiy today, XX/XX/XXXX to discuss this but was told it was not an option to discuss my account closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: CA

Complaint narrative:
American First Finance I purchased a refrigerator with the option of no interest if paid in 100 days. The amount was {$1000.00} with {$50.00} down payment, leaving {$950.00} to be payed. I paid the loan off before the 1st payment was due. I was charged an early payoff fee {$44.00} or it was called a finance fee. 
My question is this legal? 

During my phone calls to XXXX the American First Finance co charged {$0.00} to my XXXX bank credit Card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and the attorney general re negligently reporting and not reporting information that is causing significant impact to my financial well being. After a dispute they remove and only to report again the very next month. The inconsistency and negligence of their reporting to loose a credit card and now ability to secure financing to purchase land and build a home.

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 2021-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have been trying to reach out to lakeview XXXX regarding my escrow issue, they are requesting over XXXX to paid and if not theyll roll it over to my monthly mortgage payment. I have tried unsuccessfully to go over this with someone. I really dont know what else to do at this point. They said my escrow was short by {$1800.00} but they are asking an additional {$2400.00} on top of that. I can not speak to anyone about this! Thanks.

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 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an SBA PPP loan for my business into my Capital One account for my XXXX XXXX business. I made payments from this account leading all the way up to when I went to make a deposit into my savings account to ensure I follow the PPP guidelines for loan forgiveness. There are no Capital One banks anywhere here in California, so when I deposited my check on XX/XX/XXXX it went directly into the checking account the check was written from prompting Capital to place a freeze/hold on my account. I first was informed that through email that same day of my account being placed on hold and to call in order to verify what was going on. I called that same day but the offices were closed. I called the following day on XX/XX/XXXX and informed them of what happened. A lady spoke to an investigator who then asked why there was payroll in the memo and this is a personal account. I proceeded to let her know that I am a self employed person ( XXXX XXXX XXXX ) that received a loan from SBA and was following the terms to ensure the loan was forgiven. She began to tell me that I could not receive a business loan in a personal account and stated that I would receive an email with instruction on providing proof that I am in business. I never received that email, I called 2 days later to find out there was no movement with my account. On XX/XX/XXXX, I still hadn't heard from Capital One, so I called and found out that there were documents I needed to submit ( no email had been sent to me as previously stated ). I provided the required document and was informed that a specialist would be assigned to the account. 2 days later, someone was assigned to my account and has looked over the required document but yet has not made any notes on my account. I have called everyday since I submitted what they required, however, they continue to tell me they can not give me a timetable as to when this will be resolved. This has been such an inconvenience and no seems to want to help me. I have bills that have gone passed due as a result of this and I can not pay my rent or anything becuase they will not give my account the attention it deserves. 
I am requesting the immediate release of my funds and the restrictions removed from my account. Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank account ending # XXXX because the reported late was a result of Covid, I had a personal loss during covid and I ask that due to the unprecedented times and the natural disaster declared by FEMA that you can update the report to paid as agreed or not reported in the month you are reporting the late pay.

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 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing today in regards to my account with CitiCard account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payment in those months since I was impacted by Covid. As soon as I was able to, I got my payment made and caught up.

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