vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 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: MI

Complaint narrative:
XXXX XXXX XXXX OPENED XX/XX/XXXX {$840.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX  OPENED XX/XX/XXXX {$1000.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$1200.00}

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 2020-04-17 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: FL

Complaint narrative:
To whom it may concern, I have contacted Experian regarding an error on my credit report. I mailed them a letter of XX/XX/2020 regarding the matter asking them to investigate and please remove the erroneous collection and never received a response from Experian. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Please remove the following inaccurate information : Collection Creditor : XXXX XXXX XXXX - {$340.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

Thank You Sincerely yours, 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 2020-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Bank NA, made a " temporary deposit credit for negative balance prior to stimulus payment ''. This deposit credit will be removed in 30 days, thus unneedingly inflating my available balance. This means I thought I have more funds available to use than what I thought due to the inflated balance, which will result in additional fee revenue after the credit is debited from my 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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is running a scheme to divert people from the federally-regulated freeze program to its Lock and Alert program in a coercive manner. As I'm sure you know, to participate in Lock and Alert, the consumer has to agree to arbitration for all Equifax services and agree that Equifax can use the consumer 's  information for marketing purposes. Neither is required for federally regulated freezes. 

I am trying to refinance and have freezes with all three agencies. Lifting the freezes with XXXX  and XXXX  was easy. Not so with Equifax. When I tried online, I was directed to Lock and Alert.  I could not find a way to unfreeze online. I called Equifax and went through all the prompts, only to be told I had to mail a letter ( no  email or fax option ) containing copies of my DL and SS card in order to unfreeze my account. I spoke to a representative and was told that from date of mailing to receipt of confirmation the account was unfrozen would take up to two weeks. I was told the mail process was necessary to protect my personal information. I asked to speak with a supervisor but was placed on hold for a long period of time. I gave up. 

I then gave in and signed up for Lock and Alert. My credit was immediately unlocked without any concern about protecting my personal information. That is, if a consumer wants to continue using the federally-regulated freeze process, Equifax is requiring the use of mail and up to two weeks of delay. If a consumer wants to immediately unfreeze their credit, they must agree to Lock and Alert, agree to arbitration and agree that Equifax can use his/her data for marketing purposes. 

This is a coercive scheme to evade federal regulation, extract an arbitration agreement and obtain access to consumer data for marketing purposes. The coercion is extreme, as consumers are often seeking to unfreeze data quickly. Some, like me, are trying to lock in an interest rate and waiting up to two weeks can be detrimental. Consumers are often trying to unfreeze their credit while sitting in a car dealership ; their only choice is to opt out of the freeze program and into the Lock and Alert program. Worse yet, small businesses operating as sole proprietorships are trying to access CARES money. They have no realistic option other than acquiescing to Equifax 's scheme to access their data for marketing purposes and obtain a waiver to a lawsuit and a jury trial. Moreover, Equifax touts Lock and Alert as beneficial to the consumer, so most consumers don't know that they have agreed to arbitration and the use of their data for marketing purposes. 

Equifax 's scheme is deceitful, devious and dishonest. I urge the CPFB to bring an enforcement action barring this scheme, imposing a punitive fine and rescinding the arbitration agreements and rescinding the access to marketing data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I already reached out to the credit bureaus and notify them of their error posting for these accounts. My records associated with XXXX XXXX XXXX XXXX XXXX, CAPITAL ONE BANK, XXXX and XXXX Financial accounts do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I already reached out to the credit bureaus and notify them of their error posting for these accounts. My records associated with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CITICARDS and XXXX Financial accounts do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit 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 2020-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX to open an account and was denied because the bank representative stated I had a charge off checking account in the amount of {$9600.00} with Citi bank from XXXX to XXXX. I am a victim of identity theft. I never open a bank account with Citi bank in XXXX to XXXX. I do not have Citi branch in my city of Philadelphia. I contacted their customer service department over 15 times and I have not received any help or nor have my problem been resolved. I dont understand why would they let someone open an account in my name. I never received any information from citi bank stating they had an account in my name.

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 2020-04-17 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: DISCOVER BANK
State: FL

Complaint narrative:
I already reached out to the credit bureaus and to DISCOVER FIN SVCS and notify them of their error posting for this account. My records associated with DISCOVER FIN SVCS account do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I was never late on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
-I received a letter dated XX/XX/2020 from Comenity advising me of a change to my XXXX credit card account. 
-I was advised that the revised terms included an APR for purchases of 21.49 %. 
( my current rate is 14.74 % ) -The Customer Service rep advised this was due to market conditions. I asked how the rate could go up when the current rate of interest -Fed Funds rate is between o % and .25 % and mortgage rates@ 3.56 %. She had no response. 
-I have had this VISA card since XXXX! ( though the banks have changed ). 
-I have a good payments history. 
-I can only describe this rate increase as USURY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
On XX/XX/2020 I mailed Transunion a dispute letter demanding to see verifiable proof on what methods they used to verify my dispute against a collection agency called XXXX XXXX XXXX, XXXX. I have not received a response. On XX/XX/2020 I mailed out a second letter demanding to see what method they used to verify the account in questioned as accurate. I have not received a response. I decided to file a complaint on Transunion because they will not answer any of my letters demanding verifiable proof.

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 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
There are two collection items listed on my credit file from the same company called Way Point. I have never received any notices from this company nor do I owe a copy called XXXX XXXX House. There is one account ( same company ) stating I owe XXXX and another account same company saying I owe {$160.00}. No verification or any notice has ever been received nor do I re call these account. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: MI

Complaint narrative:
I have sent several disputes to the credit bureaus to update this balance however they refuse to. This balance has been paid off for 3 months now and none of them will update it to the correct balance.

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 2020-04-17 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
SYNCB/XXXX  paypal issued a credit card under my name fraudulently. I was the victim of Identity theft and have filed reports with Identitytheft.goc as well as a police report. I asked that the account be cancelled and a notice sent to the credit reporting bureaus acknowledging that this was a fraudulent account.

Despite contacting the agency ( phone, I do not have dates ) and last month by email, I have not heard anything back from the company, nor have the credit reporting bureaus Thank you, 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 non-monetary relief
Consumer complaint received 2020-04-17 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: IL

Complaint narrative:
To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA. 
Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and  immediately remove from my credit file ACCOUNTS XXXX  XXXX XXXX  XXXX  XXXX not mine US DEPARTMENT OD EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX never late XXXX XXXX XXXX not mine COLLECTIONS XXXX not mine XXXX not mine XXXX not mine XXXX   XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX not mine Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
so I talked to the company and rudest manager Alive who had no idea what was going and she we are never crediting a late fee on any of your accounts ever again and I am really upset why are your customer service managers like robots and they never want to lift a finger to help these last 2 late payment were both due to corona virus and I finally was able to catch up my account I really need those XXXX late payment s gone it wasn't my fault on this and I really need your help to get them off there and none of your managers care what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: MI

Complaint narrative:
I have sent several disputes to the credit bureaus to update this balance however they refuse to. This balance has been paid off for 3 months now and none of them will update it to the correct balance.

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 2020-04-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent several disputes to the credit bureaus to update this balance however they refuse to. This balance has been paid off for 3 months now and none of them will update it to the correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
XX/XX/2017 XXXX ... this account was open without my knowledge this is fraudulent

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 2020-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/20, I attempted to contact National Credit Systems , Inc. to discuss the recent letter they sent in reference to XXXX XXXX and his incorrect reporting to them. I wanted to advise that I was disputing the amount and how to handle that but the representative that identified himself as the Account Supervisor name XXXX ( XXXX ). He then proceeded to yell over me when I was trying to ask a legitimate question and he told me " we don't discuss amounts here and you need to learn how to pay your bills '' and then hung up in my face. I called back upset and the receptionist told me that I was being profane because I was upset and she also hung up on me. My mother then called and asked to speak to the supervisor XXXX ( XXXX ) and was told that he was at lunch and that I we would not able to speak with anyone else and then they hung up. I was trying to offer a resolution but at this point, I am filing a Chapter XXXX and will be rid of them for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: DISCOVER BANK
State: RI

Complaint narrative:
There was a fraudulent transaction done using my discover credit card. I have submitted proof to the company showing that it was impossible for me to have done the transaction. The purchase was made in a different state at a store that I had never been to before and the store was a jeweler for an exorbitant amount of money that I would have never paid for jewelry. 

Discover has said that I am responsible for the transaction but has failed to provide any proof or reason as to why I was liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: BBVA FINANCIAL CORPORATION
State: ID

Complaint narrative:
I opened a CD for {$1000.00} with BBVA USA on XXXX. The term was one year making the maturity XXXX. Because of covid-19 issues, I needed access to the funds prior to maturity. The BBVA USA website indicates that because of covid-19 " Penalty-free CD withdrawals for CDs opened prior to XX/XX/XXXX. Available on request. '' The agent with whom I spoke said that penalty free CD withdrawals were not available. I referred him to the disclosure on the BBVA USA website. He reiterated that penalty CD withdrawals were not available. As such, I was assessed a {$35.00} penalty. 

I think this is unfair since the BBVA USA website indicates that penalty free CD withdrawals are available on request and I requested such. 

I have attached a copy of the BBVA USA website with the appropriate section highlighted. I have also attached a copy reflecting the {$35.00} penalty that I was assessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
We booked our trip with our American Express Platnium Travel to XXXX. We were on the XXXX XXXX from XXXX XXXX to XXXX XXXX and needed to get back to the United States due to the Covid-19 situation. We called American Express Travel and were on hold for a total over 2 days 412 minutes. The long hold time, incurred a {$1200.00} dollar phone bill with XXXX. I called American Express Platnium to discuss some payment reduction through Amex point system to help with the high XXXX  payment due to their travel department not answering. The whole reason one uses the platnium card and pays the extremely high annual fee is for the services you get as a card holder and the services you get from the Amex travel. This time Amex did not provide the services and because of their inability to do their service correctly, I incurred a {$1200.00} dollar bill. XXXX charged {$290.00} per minute. I spoke with the representative and a manager at Amex on XX/XX/2020. They refused to give any refund except {$100.00}. The calls made were on XX/XX/2020 and XX/XX/2020 and I have included the information in the documentation. I have been an Amex Platnium member for over 20 years. I cancelled the card on XX/XX/2020. American Express is not what they used to be, they should be ashamed and they should pay the {$1200.00} for their lack of holding up their end of the contract for a platnium member. They take {$500.00} a year for platnium and they charge {$39.00} a ticket to use their service, however they neglect to hold their end of the deal.

Company response to consumer: Closed with explanation