vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I purchased a house on XX/XX/XXXX and had my credit report ran previous to that date. My credit cards were sitting higher on the balance side, due to purchasing the home ( buying products/paying for things to get out of a home lease ). So, my balances were a tad bit high but within ' the credit limits. 

Citibank terminates my cards prior to today XX/XX/XXXX. 
Their reasons were defined : " revolving balances are at or near credit limits ''. This is absolutely absurd. I have a credit limit for a reason. I am not over my limit, I am not exceeding. I am AT or NEAR the limit. 

This is completely discriminatory. This company approved my credit limits and are now cancelling me because I am *NEAR* the balances and they decide to cascade the information to me and leverage their poor " Fair Credit Reporting Act '' legalities and their absurd policies. This is not appropriate and is a horrible experience. Considering the 3 cards I had with Citi, only one was near the credit limit. The other two were fine. 

My revolving credit is generally LOW. 
I have LOW credit limits - purposely.

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 2020-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I previously emailed The Department of Education and they referred me to this government agency. 
My granddaughter " graduated  '' from XXXX University this spring. She didn't get a graduation at her school or any refunds due to closing school and no graduation. 
During the four years my granddaughter had student loans with Wells Fargo. I am XXXX and I am a cosigner on her loans. 
My granddaughter was XXXX XXXX of her class and was an XXXX  student. To date she has been unable to find a job. Her school has been no help. 
Her loans will come due in a couple of months. Of course Wells Fargo continues to charge interest. 
Wells Fargo has refused to follow the President 's requirements for government student loans. 
Even though our student loans are private, it should make no difference. The government is using tax money to help those with federal student loans. If federal student loans are being helped so should private student loans. 
It is doubtful, through no fault of her own, my granddaughter will not find a job soon enough to have income to pay her student loans. I am on a fixed  income   and will not be able to pay them. Since there is no bankruptcy protection my granddaughter will be hounded by Wells Fargo and her credi score will be ruined. The same will happen to me. 
The President must treat federal and private student loans the same. He is using our tax dollars for federal student loans but not for private student loans.

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 2020-08-14 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: IL

Complaint narrative:
I been asking XXXX to provide me more information on a account that they been reporting on my account for 6 years Been asking and calling since XXXX 2020. With no response. Was asking for contract. Payment history and what the vehicle was sold at a auction. Paper work from auction.

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 2020-08-14 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: IL

Complaint narrative:
I been asking XXXX to provide me more information on a account that they been reporting on my account for 6 years Been asking and calling since XXXX 2020. With no response. Was asking for contract. Payment history and what the vehicle was sold at a auction. Paper work from auction.

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 2020-08-14 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:
XXXX  i submitted and fraud report because I was apart of the XXXX  data breach and my identity was stolen there are still reporting items that were apart of the identity thief which is a violation of the ftc Metro 2 Compliance - Standardizes  the information reported to all 3 credit bureaus so that furnishers of credit information to bureaus must use the proper formatting in a form that contains charges that list the wrong date or amount ; math errors ; 67 fields. 17a, which on your credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifcations to all furnishers of this information.

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 2020-08-14 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: PA

Complaint narrative:
XXXX  i submitted and fraud report because I was apart of the Equifax data breach and my identity was stolen there are still reporting items that were apart of the identity thief which is a violation of the ftc Metro 2 Compliance - Standardizes the information reported to all 3 credit bureaus so that furnishers of credit information to bureaus must use the proper formatting in a form that contains charges that list the wrong date or amount ; math errors ; 67 fields. 17a,  which on your credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifcations to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has placed financial assistance on my credit record. Now my credit record is damaged. I have contacted Wells Faro several times and they refuse to remove this from my credit record. I only inquired about Covid-19 financial assistance on my home mortgage. I never used it and never missed a payment. I have since refinanced with another lender.

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 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020 a Debit card transaction for {$120.00} posted to my checking account for a " XXXX XXXX Texas '' transaction. On XXXX XXXX,2020 contacted Chase Bank disputing the charge and a reversal was done pending an investigation, my debit card was cancelled and a new one issued. On XX/XX/2020 a claim reversal was done applying the {$120.00} back into my account. XX/XX/2020 contacted Chase whose explanation is a " chip  '' Visa card was used at the location where the charge took place therefore legitimizing the transaction. I have never, either now or in the past had services rendered from this vendor and I have not loaned my debit card to anyone. I am XXXX  years of age and due to Covid 19 this was a time of " lockdown '' in the city of XXXX Texas therefore both my wife and I were not leaving our home other than for groceries and medicine. I have been a client of Chase Bank for more than 20 years and my balances have been modestly substantial and {$120.00} will not put me in financial stress however I did not authorize the charge and I would like my account credited said amount. 
Chase refuses to do anything because they are unable to get the funds reversed to them from VISA which tells me they could care less about my claim being honest and genuine. So, being the little guy I have to take the loss because Chase Bank and VISA can  substantiate a computerized report without verifying or talking to the vendor. I am very disappointed in the manner Chase Bank has chosen to handle this claim and their refusal to look deeper. Any assistance you can provide will be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I been asking Exeter to provide me more information on a account that they been reporting on my account for 6 years Been asking and calling since XXXX 2020. With no response. Was asking for contract. Payment history and what the vehicle was sold at a auction. Paper work from auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: Lending Club Corp
State: LA

Complaint narrative:
Lending Club is reporting contradicting information on my credit report. The FCRA says that I have the right to having my information report correctly to my credit reports. They clearly are not reporting things correctly. On my XXXX  report they are reporting that I was 30 days late one time, in XX/XX/XXXX, and after this I have a perfect payment history until XX/XX/XXXX. On my XXXX  report they are showing that I was 30 days past due in XX/XX/XXXX and XX/XX/XXXX. On XXXX  they are also reporting I was 60 days past due in XX/XX/XXXX and 90 days past due in XX/XX/XXXX. They also supplied negative marks in XX/XX/XXXX and XX/XX/XXXX. They do not even report a payment history to XXXX. I am attaching screen shots of the Lending Club entries on my XXXX, XXXX, and XXXX, along with the entire credit reports. Lending Club has shown an inability to accurately report information to my credit report, and because of this it is well within my rights to demand that the entire Lending Club section on all 3 of my credit reports should be deleted immediately. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-14 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: FL

Complaint narrative:
I filed a dispute with Trans Union regarding their Public Records section on my consumer credit file. Trans Union was reporting accounts labeled as included in bankruptcy in that section of my report, even though, some of the accounts were not in existence when I filed a Chapter XXXX Bankruptcy in XXXX. A case in point were the Missouri Higher Loan Authority accounts, which were filed with them in XXXX and XXXX. As a result of the dispute Trans Union moved the accounts out of the Public Records section and moved them to the delinquent accounts section. 

As you know I have filed several complaints with your office regarding all three credit reporting bureaus, Trans Union, XXXX  and XXXX. It appears that they have interrupted the Fair Credit Reporting Act differently than it is written. When I inquired of XXXX  how they went about verifying the Chapter XXXX Bankruptcy, they sent a post card where the say they may contact the provider of the information for an investigation, however, the act says that they shall contact. It is sad when the oversight allows the agency to conduct themselves in a manner that is in direct conflict with the Act.

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 2020-08-14 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Leading Edge Solutions, LLC
State: FL

Complaint narrative:
Call comes in daily between XXXX  & XXXX XXXX  even after the number has been put in my phone 's block call list. I have also called back that number and they claim that they are not initiating the call. But I don't have any debt and I keep getting DAILY calls from XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-08-14 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have previously reported this problem and the company 53rd responded that their investigation indicated that I did make the charge of {$36.00}. I deny this. I DID NOT MAKE THIS CHARGE. My account was hacked which they admit and closed my account. Furthermore my limit was {$21000.00} so how would they bank let me charge that much over the credit limit. There is no security camera showing me do this nor is there any document thety can produce that I signed for those funds. Why? BECAUSE I DID NOT EXECUTE THOSE TRANSACTIONS NOR WILL I ACCEPT RESPONSIBILITY FOR IT. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: MS

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX  to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: MS

Complaint narrative:
While I was in the process of trying to rent  an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$720.00}

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 explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
XXXX/XXXX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total. 

Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XXXX/XXXX/2020. 

XXXX XXXX XXXX : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 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
Consumer complaint received 2020-08-14 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 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
Consumer complaint received 2020-08-14 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: MS

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$720.00}

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 explanation
Consumer complaint received 2020-08-14 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TX

Complaint narrative:
Im XXXX in Identity theft, somebody open up accounts in my name without my authorization. I send the roper information totally three credit bureaus with my identity theft documents and other information to block these fraud accounts under the fcra ss 605b to be block due to fraud.

Company response to consumer: Closed with explanation