vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Two fraudulent account named XXXX XXXX were opened with my information at Lowes and XXXX XXXX. In both cases, I contacted the stores when I received a notice about these accounts in the mail at my home. For the Lowes account, in XX/XX/XXXX I called the store that items were ordered from and told the store that I did not order them. Then for the XXXX XXXX account, I called again in XX/XX/XXXX as soon as I got the letter about the accounts being opened and was also told that it was a mistake and not to worry about it. Now, two months later I have many bills from both stores and they both say that they have my information including ID that was used to open the accounts.

Lowes : They said that my claim for fraud was not valid and the amount is {$9700.00} XXXX XXXX  : My fraud claim was re-opened and the amount in question is {$4800.00}

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 2020-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
As of XX/XX/XXXX my account was locked once again because of square cash false accusations of suspicious activity a friend of mine was sending money she owed and me and cash app rejected my funds and locked my account for no reason at all I will seek legal help if this problem persists in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS Select Portfolio Servicing Department is not analyzing my income correctly and does not ask for any additional information to clarify 1. how are they calculating my net income without all net deposits from my paystub being included ; 2. How is my net income of {$100000.00} not adequate for a repayment plan or modification when the documented net income is 3x the amount needed to qualify for a mortgage payment equivalent to my balance owed.

3. what payment was calculated as not reasonable or affordable?

4. how much more money is needed to be paid on a payment plan after the {$20000.00} that I paid was not properly applied to the principal and interest amounts that are required by law 5. what other financial documentation is needed to verify my income as none has been provided? 

6. What happened to the latest paystubs, W-2 's and notes on pay sent in XX/XX/XXXX and again on XX/XX/XXXX, now being sent again, as your letter of XX/XX/XXXX is using information submitted in XX/XX/2019 versus the latest information provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NJ

Complaint narrative:
I was checking my credit and saw a time share on my credit when I called. They said they couldnt give me any information. This is illegal. Its lates on my report for something I never had please delete it. its not mines and the creditor refuses to give me information. and the credit bureau are being rude

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 2020-02-27 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: NJ

Complaint narrative:
I was checking my credit and saw a time share on my credit when I called. They said they couldnt give me any information. This is illegal. Its lates on my report for something I never had please delete it. its not mines and the creditor refuses to give me information. and the credit bureau are being rude

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I had 2 credit cards closed by Citi on XX/XX/20. 

One account had just recently been opened ( XX/XX/20 ) and a statement had not closed yet, so my pending rewards of XXXX Thank You points disappeared. The other card, which had been open for years, had unredeemed reward dollars that had been accruing for awhile, as well as pending reward dollars from my most recent statement, totaling over {$2500.00}. 

On XX/XX/20, I contacted the number provided to me upon signing into my account regarding the closure and the automated system said that I had {$2400.00} in rewards available currently and after my statement closed on XX/XX/20, I would have {$2700.00} in rewards. I spoke to 2 representatives and they said they were unable to redeem any at that time, but I would be able to redeem all rewards after my statement closed on XX/XX/20. I asked why I was unable to redeem the points that had been available for redemption prior to the closure of the card ( {$2400.00} ) and the representative was not sure and said he was unable to do it. I asked for a supervisor to see if they had the ability to do so and spoke with an account supervisor who indicated it should be no problem. She forwarded a request to another department to have a check sent to my address for the rewards owed. On XX/XX/20, I received a letter from Citi in response to the check request stating that all previously earned cash rewards were forfeited when my account was closed. 

My accounts were in good standing prior to the closure. They had just approved me for another credit card on XX/XX/20, less than a month prior to closing both accounts, so this was out of nowhere. It appears to me that Citi merely closed my accounts so that they could confiscate a large sum of rewards and avoid having to pay them out.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I opened XXXX XXXX Visa, Comenity Bank in XX/XX/2019. I didn't get an cards or statement for over 2 months. They sent it to he wrong address. Once rectified, I paid the balance in full within 6 months but found out that I changed me interest which they refused to take off ( it less than 6 months ). They counted the 2 months that I didn't have activated credit card. So I sent in a payment in full with letter to cancel credit card account. They did not credit check for 10 days & then changed me a late fee. They refused to remove late fee. This is a bank I will never do business with again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I previously filed a complaint and am refiling because my complaint was closed because it is outside of 60 days. This is absolutely ridiculous. This is NOT a billing error and the 60 days does not apply. My complaint is about charges totaling {$14000.00} paid to for services that were misrepresented and not provided as sold. These companies misled and defrauded me. They will not return my calls and Capital One not doesn't care. They won't even read my complaint. 60 Days is for billing errors and does not apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Per Ftc sec 609 credit agencies are not validating my credit account they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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:
PLEASE FIND THE ATTACHED DOCUMENT WITH THE DEROGATORY ACCOUNTS THAT HAS BEEN TARNISHING MY CREDIT AND MY SSN. THE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT AND I WOULD LIKE FOR THEM TO BE REMOVED IMMEDIATELY. THIS SITUATION HAS ME DISTRESSED AND I CAN'T BELIEVE SUCH THING IS HAPPENING TO ME. I HAVE NEVER HAD NEGATIVE ITEM ON MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW 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 non-monetary relief
Consumer complaint received 2020-02-27 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-02-27 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: DE

Complaint narrative:
Last XXXX I contacted Equifax in writing about a concern I have seen on my credit report when I try pulling my credit report. The concern was that I didn't seen any report from Equifax. So that's when I contacted Equifax in writing about my concerns and in return Equifax reply back to me by mail ask for more information. I send back a copy of the letter and the information they ask for, and since then I been recieving the same letter several times and also since then I been calling and resendingtthe same information. Last letter I received was XX/XX/XXXX and I send in a other copy of the same information and to this day XXXX haven't seen any change to my credit report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information should read as follows on all consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and I am a victim of Identity Theft. The following fraudulent account was removed from my credit report and now it is re-reporting : Office of Attorney General Opened :  XX/XX/2005 Amt. XXXX Credit Bureaus if they re-insert a removed item from your credit report without notifying you in writing within 5 business days.

Consumer protection afforded by the FCRA.

FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Fine: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 2020-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
They are trying to foreclose on my house, I am scared for my life. Please get to the bottom of why they are trying to foreclose on me. I paid the XX/XX/2019 payment, I have proof it's attached. They have nothing but retards hired and are trying to punish me for their retards faults. That was never an issue, I did not even ask about that, did i? Are YOU XXXX????. I have received multiple letters from them claiming they will foreclose. Why?????? could care less about a payment that I did make, find out why they are trying to kick me out of my house? I'm being discriminated against for being a minority single male. Please find out why I am being foreclosed on, once again I repeat find out why I am being foreclosed upon illegally. I will seek legal action after I receive this next response, because I know it will once again be less than satisfactory. 


see the attachment it shows where I paid the payment in full the next month. I had to cancel the check on them because, i made a {$250.00} extra principle payment, loan care XXXX  put it towards interest instead of towards principle. So I cancelled the check and made another one that did not have extra principle since they made it obvious they will be XXXX XXXX  and put it towards interest even tho I wrote " additional principle '' on the check. Loan care is punishing me because they don't know how to handle an escrow account.

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 2020-02-27 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: IL

Complaint narrative:
I contacted Transunion to let them know I was a victim of their inquiry issue and they were unable to help me on the following inquiries. 

XXXX/XXXX  XXXX  XXXX XXXX/TXXXX XXXX XXXX XXXX XXXX XXXX, I 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 2020-02-27 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: GA

Complaint narrative:
Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX XXXX   XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.

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 2020-02-27 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies

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 2020-02-27 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: GA

Complaint narrative:
Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX  XXXX   XXXX  CA XXXX  XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.

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 2020-02-27 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: GA

Complaint narrative:
Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX  XXXX   XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened a " free '' checking account with these crooks and they have ( without any disclosure mind you ) been taking {$5.00} out of my account each month. By the time I logged in and checked they had already stolen {$25.00}. Then I performed a standard ACH to get my money away from their dishonest hands and they charged a {$3.00} fee. This was not a wire or any other form of escalated activity. In fact it took them nearly a week to disperse the funds to my other account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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:
PLEASE FIND THE ATTACHED DOCUMENT WITH THE DEROGATORY ACCOUNTS THAT HAS BEEN TARNISHING MY CREDIT AND MY SSN. THE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT AND I WOULD LIKE FOR THEM TO BE REMOVED IMMEDIATELY. THIS SITUATION HAS ME DISTRESSED AND I CAN'T BELIEVE SUCH THING IS HAPPENING TO ME. I HAVE NEVER HAD NEGATIVE ITEM ON MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW 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 2020-02-27 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:
PLEASE FIND THE ATTACHED DOCUMENT WITH THE DEROGATORY ACCOUNTS THAT HAS BEEN TARNISHING MY CREDIT AND MY SSN. THE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT AND I WOULD LIKE FOR THEM TO BE REMOVED IMMEDIATELY. THIS SITUATION HAS ME DISTRESSED AND I CAN'T BELIEVE SUCH THING IS HAPPENING TO ME. I HAVE NEVER HAD NEGATIVE ITEM ON MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was told I was approved for a {$8000.00} loan and the guy name XXXX told me I had to get my account balance up before they could deposit the loan so at he XXXX me do was go the a store and purchase XXXX XXXX gift cards to get my availability balance up. Never thought it was a scam bc he knew all my information already

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 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i have unauthorized inquiries on my credit report i have reached out regarding inquiry and i either get no response or unable to locate file but no one has taken the initiative to remove they unauthorized inquiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies

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