vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 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: IL

Complaint narrative:
I have been working to raise my credit score for some time now and over the last 8 months the score has been going up steadily as i paid off more and more of my credit card balances. as of the XXXX of XXXX my score had been going up steadily, then on XX/XX/XXXX it suddenly dropped on equifax and XXXX. The notation on the XXXX  report said " no changes '' however, the equifax report said that the only thing that changed was that my XXXX XXXX XXXX   account had gone into forbearance. My wife and i had requested this due to her reduced hours and it had been requested specifically in reference to the CARES act and was requested on XX/XX/XXXX. The only thing that shows as a factor on my credit score drop is the XXXX XXXX forbearance and if that is the cause of the 33 point drop, that is illegal. The CARES act specifically says that forbearance initiated Due to COVID-19 can not be used negatively on credit reporting. I already spoke to XXXX XXXX  and they said we aren't the only ones reporting a drop in credit score when none should have happened. This is troubling because i need my credit score to be higher for the coming year for very specific reasons and we were told and i did the research that credit scores were not supposed to be affected by forbearance requests in relation to COVID-19. This is absolutely important that this get straightened out as soon as possible ... 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I initially reached out to Optimum Outcomes on XXXX XX/XX/XXXX in regards to a medical debt. I requested documentation asking them to validate the debt that they are reporting to all 3 bureaus because there's a discrepancy in what they are reporting and what the original creditor ( the hospital ) is reporting. Optimum sent information about my hospital visit but the document was printed from their computer showing what they claimed to be the charges for my hospital visit. The document did not look legitimate and the amount owed does match what the hospital is reporting. They also didn't provide me with a HIPPA release form giving them permission to store any of my personal health information in their system. If they collect for medical debt, the very least that they should provide with all documentation is a signed HIPPA release form, otherwise, it's a HIPPA violation. They do not have my permission to maintain my personal health information in their company database.This creditor is not maintaining accurate or legal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

I sent your bureau a dispute letter in regards to these accounts on XXXX asking that they be removed.. To date, I have not received an investigative results report. Please note that is a 30 day violations to date. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these two accounts liste under ACCOUNTS TO BE AMENDED to never late. 

I have a real estate transaction worth {$450000.00} being held up in escrow due to these negative accounts being reported on my file. I must close my real estate escrow by 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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have one accounts with JC Penney ( see attached documents ) for over 15 years. Many years we have had a good relationship with each other. I have never had a late payment with them. 

I got XXXX  with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. I am still trying to work something out with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello. I was furloughed earlier this year due to Covid-19. Before I had a chance to reached out to Bank of America regarding a deferral on my Visa card, my account went over the credit limit by {$67.00} for 3 days ( on XX/XX/20 ). The overage amount was not due to a purchase but rather to {$100.00} in finance charges being applied to the account on XX/XX/20. Even before applying for a covid-19 deferral, I quickly brought the account under the credit limit on XX/XX/20 by paying the monthly payment due. I subsequently applied for, and was granted, a covid-19 deferral, which I truly appreciate. It was my understanding, however, that credit card companies were going to extend certain credit reporting courtesies during this time of crisis, including not reporting consumers as over the credit limit if this occurred. This event has negatively impacted my credit score and I would greatly appreciate it if Bank of America would remove reference to the account going over the credit limit from my credit report in light of the circumstances.

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 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/20 MIDLAND FUNDING has debt on my credit report that I do not own. I do not have a written contract with this company or any agreement to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have one accounts with Sam 's Club ( see attached documents ) for over 15 years. Many years we have had a good relationship with each other. I have never had a late payment with them until this crisis. 

I got XXXX  with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. I am still trying to work something out with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XX/XX/2020 Nine charges for {$2.00} each by a merchant Cash App*.  {$18.00} total. 
I do not use Cash App or any service like it. I have only had this benefit prepaid card for a few weeks. I can not dispute these types of things because it is a prepaid card. No one has had access to this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
( 103 true Identity theft ) Im a member of the equifax data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX  File Number Report Number XXXX XXXX  Report Number XXXX Equifax Block me from seeing my credit report but here 's the list of accounts XXXX  XXXX XXXX XXXX XX/XX/XXXX {$6300.00} ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX {$67000.00} XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX   I recently found i was involved in the Equifax Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have all these accounts on my credit file please help me with removing these items i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
( 103 true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items Transunion File Number Report Number XXXX XXXX  Report Number XXXX XXXX  Block me from seeing my credit report but here 's the list of accounts XXXX  XXXX XXXX XXXX XX/XX/XXXX {$6300.00} ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX {$67000.00} XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX   I recently found i was involved in the XXXX  Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have all these accounts on my credit file please help me with removing these items i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: FL

Complaint narrative:
( 103 true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX  File Number Report Number XXXX Experian Report Number XXXX XXXX  Block me from seeing my credit report but here 's the list of accounts XXXX XXXX XXXX XXXX XX/XX/XXXX {$6300.00} ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$67000.00} XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX I recently found i was involved in the XXXX  Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have all these accounts on my credit file please help me with removing these items i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX, XXXX. 
{$6500.00} Opened XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$1000.00} Highest balance {$1000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {>= $1,000,000} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( 3 yrs, 1 mos ) Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$6700.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance {$0.00} 4 collection accountsTotal balance : {$7200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX {$1700.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$170.00} 0 % paid off XXXX   XXXX  Original creditor : XXXX XXXX  XXXX XXXX XXXX {$5100.00} 0 % paid off XXXX   XXXX XXXX Original creditor : XXXX {$52.00} 0 % paid off XXXX XXXX XXXXXXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 1 public record Public records concern legal matters associated with you and are gathered from courts and government agencies. 
US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : 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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a dispute with my credit card company Bluebird American Express for which I have direct deposits linked and my own personal cash deposited, on XX/XX/XXXX in regards to several identical charges from 1 consumer unauthorized to charge my account. ( XX/XX/XXXX of which in the amount of {$100.00} was denied from same said consumer and flagged as suspicious from Bluebird American Express. ) XX/XX/XXXX charges were investigated and denied on XX/XX/XXXX for unknown reasons. And suddenly my whole account was suspended. I've just received my new card by mail and was never warned nor even given the chance to withdraw my available funds prior to the account closure without any explanation. I have not received notice of a check being mailed nor what might happen to any other funds made available to the account. I have attempted to contact bluebird customer service as well as their account protection services with endless ringing ( waited over 3 hours to connect to someone only for the phone to become quiet and disconnect the call completely ) there is no way to get ahold of any persons by email and I am in dire need of my funds to pay upcoming bills already strained due to this covid19 pandemic. At a time like this I can not believe that there is no remorse nor assistance towards helping this companies loyal customers. I've had an account with this company over 3 years with no issues or fraudulent activity to just be suspended due to improper investigation of a dispute clearly unauthorized if they had to flag my account for suspicious activity from the same company they authorized the smaller successful transactions multiple times. Please help a single mother of XXXX  in need of a voice against big bully companies taking advantage of their customers. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a credit card with Home Depot  on XX/XX/2020. They never responded to me.

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for several Capital One credit cards and when I call they say they have no applications from me which is an absolute lie. 

My credit report shows that they checked my credit several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX, XXXX. 
{$6500.00} Opened XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$1000.00} Highest balance {$1000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {>= $1,000,000} Open balance XXXX XXXX   XXXX XXXX Original creditor Opened XX/XX/XXXX ( 3 yrs, 1 mos ) Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$6700.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance {$0.00} 4 collection accountsTotal balance : {$7200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX {$1700.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$170.00} 0 % paid off XXXX XXXX Original creditor : XXXX AT XXXX XXXX XXXX {$5100.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX {$52.00} 0 % paid off XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 1 public record Public records concern legal matters associated with you and are gathered from courts and government agencies. 
US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : 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