vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Credit Bureau refused to increase my fico score regardless of : 1.  XXXX  XXXX recent correct error and remark on credit report. 
2. Decrease Car payment by {$13000.00}. 
3. Decrease Credit Card from {$5500.00} to {$0.00}. 
4. Decrease monthly home mortgage by {$600.00} 5. Decrease Student Loan every month. 
6. Never late on any monthly payments. 

Based on the previous 6 reasons to increase your Credit score, Experian decided to decrease my fico score. Compared to the other two credit bureaus, Experian credit score is 100 points off.

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 2020-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Hello. My name is XXXX XXXX and I have been having a number of issues with a company by the name of Comenity Bank. I would have no problems with the calls IF they were happening twice a week and had the company 's name and phone number coming across my callerID. But that is not what is happening. Instead I am receiving between 6-8 calls per day from either Unknown numbers, ( XXXX ) XXXX, or ( XXXX ) XXXX. Today, when I answered the call, the person went straight into a spiel asking me when I was going to be able to pay a certain amount towards a bill. When I stated that the person he probably meant to speak to was not around at the moment, he says that he is Mr. XXXX with Comenity Bank and was under the impression that he was calling a personal cell phone number. Interesting that he said that, because, without leaving a voicemail, I received a robocall from ( XXXX ) XXXX today, on XX/XX/2020, at : XXXX, XXXX, XXXX, and XXXX. And on Tuesday, XX/XX/XXXX, at : XXXX, XXXX, and XXXX. When the calls came in on Wednesday, XX/XX/XXXX, the callerID came up as UNKNOWN three times. I am pretty sure that even debt collectors by law are not allowed to spoof their phone numbers or call numerous times per day as a robocall. I am sure that this violates a Federal Law known as the Telephone Consumer Protection Act ( TCPA ) and " Mr. XXXX '' had let me know that this is a practice that was happening when he stated to me that he thought that he was calling a personal cell phone number. If they had any notes on their customers ' account, they would see that I requested to have calls come in specifically stating who the caller is or the company they work for, because in this day and age, scammers use the same tactics as Comenity Bank does.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My XXXX XXXX Loan ending in XXXX, was originally Serviced by XXXX XXXX. Then, SETERUS, Inc. took over in about XXXX, then Nationstar Mortgage d/b/a Mr. Cooper took over in XXXX. During the transfer of Loan Documents Nationstar Mortgage failed to properly inform me of changes in documents that are required under Regulation X, including Disaster Assistance and forbearance programs available to struggling borrowers. I seek assistance from CFPB in correcting this Servicer fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank is spitefully closing my credit cards due to a complaint I recently filed against them. Now, I can not log in and pay my bills. This act of aggression hidden behind their so called terms, which my credit it the same as when I received the cards, is an attempt to hurt my credit rating and good standing. For someone to do this in a time of crisis is unethical and childish.

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 2020-06-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MOHELA
State: KS

Complaint narrative:
On XX/XX/2020, at XXXX XXXX  I received a call from a number I did not recognize. I do not answer numbers I don't recognize. Shortly after I had the following text exchange with the number who I will call XXXX ( he later revealed his name ). 

-- - XXXX  : Avail for a call? 

Me : who is this? 

XXXX  : Hey [ MY NAME ] .... this is XXXX. I just tried to call you and sent you an email Me : XXXX who? i don't know a XXXX. 

XXXX  : Look at the email, and then let 's talk!! 

Me : no thanks XXXX  : No, we haven't met ( yet ) This is about your XXXX  account XXXX : I am XXXX XXXX ... .. this is my cell, so you can reach me here anytime Me : i don't have an account with a company called XXXX. this is an incredibly unprofessional way to contact someone be it for business or personal means. do not contact me again. 

( Here I received a call from the cell number again, then a call from a second number ) XXXX : This is MOHELA. 

Me : then contact me through a verifiable company number and not a personal cellphone. the XXXX kind of business practice is this? and maybe do it during regular business hours? thanks. i'll be filing a complaint with the FTC. 
-- - I called MOHELA shortly after and asked to file a complaint about an employee who was using a personal cell to contact me. I was directed to their branch called XXXX  and the office was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-26 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: NY

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On or about XX/XX/2020, Banco Popular de Puerto Rico ( Popular , XXXX ) through its small business specialist, XXXX XXXX XXXX, forced me to close my business checking account -- I did so under duress. 

Mr. XXXX XXXX accused me of check kiting, which was not true. When I attempted to inform him of the banking error caused by COVID-19, which caused a mobile deposit reversal, XXXX threatened to keep the account restricted indefinitely unless I closed the business checking account same day. He knew that I recently received a PPP loan deposit and that I needed the funds to cover payroll. 

I did not know what to do and felt the banker coerced me to close the account. If I didn't then I would not have gotten my money back.

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 2020-06-26 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: NY

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX   XXXX XXXX XXXX XXXX/XXXX  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 2020-06-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX   XXXX XXXX XXXX XXXX/XXXX  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 2020-06-26 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: GA

Complaint narrative:
I have disputed the alleged bankruptcies amongst other items on my credit report with XXXX, Transunion and XXXX. XXXX  has removed alleged bankruptcies that were not mine as I have a victim of Identity theft, however Transunion and XXXX  states after investigation that the information is " verified '' Upon further investigation, I have reached out to XXXX which the said credit bureaus stated XXXX XXXX XXXX XXXX has verified the information, however, XXXX stated that information has been removed and have provided me with a report to reflect that they DO NOT have the information in their files. Nonetheless, per the attachments the negative information is still being reported, which is causing me tremendous stress and harm. 

I have attached a copy of one of my police reports. As well as investigation results from XXXX, Transunion and XXXX. Additionally, I have attached, the results of the investigation of XXXX  with removals of inaccurate information, as well as XXXX investigation results.

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 2020-06-26 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: WY

Complaint narrative:
hello transunion is showing that the account XXXX  XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX, AZ XXXX has a missed or late payment, this is false, i will provide bank documents that will show i never have missed a payment.

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 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX 2019 i qualified for a Capital one platinum  Master card and was told to pay XXXXdollars to get a secured credit card of XXXX dollars limit, i was again advised that i can get more if i pay higher deposit so i added XXXX dollar more which totalled XXXX dollars with Capital one bank to get a secured credit card Having used this card for a year, of XXXX dollar credit limit was increased so i applied for another credit card and qualified for Unsecured Savor card of XXXX dollar limit.now this two card were merged together by Capital One bank of Two cards One ACCOUNT. 
Using the card excellently my credit score raised to XXXX Fico score but i had a fradulent transaction on my account and inform Capital One and XXXX   Credit Bureaus to investigate my claim, After a Month they concluded the investigations. 
Capital One with XXXX  without my authorization closed my account that had been used for more than a year without no letter in the mail or permission. This action dipped my credit score and affected my score line. 
i called Capital one on XX/XX/XXXX to request information about my Secured Platinum   card which i paid XXXX dollar deposit for and they told me they close the account and can not issue me my money back because they said the account was reported as fraud My fight is that My credit card which have used for a long time with good credit history was erased with no permission and then they decline to refund me my security deposit i paid for the card which due to their fault also affected my credit score i am dutifully requesting this issues fixed with Capital One and my money refunded immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: TX

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX 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 2020-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 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 2020-06-26 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: MiraMed Revenue Group LLC
State: MS

Complaint narrative:
Erroneous information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$32000.00}, {$20000.00}, {$400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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