vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
When Covid-19 hit, we were unsure if payments would be made on our home mortgage, I called them and they graciously extended 90 days due to the crisis - called forbearance- noting that full payment must be made for the three months plus the month coming, which I agreed would be fine. I recently checked my credit score and noted that the forbearance was reported and it dropped my credit score by 30 points. This is cruel and unusual punishment for a person who has NEVER missed a payment, EVER. Plus, we had decided to go ahead and bring our account current by making two payments on XX/XX/XXXX, and today, I received a call from the mortgage company wanting to know what we were going to do XX/XX/XXXX. I'm upset on two fronts that calls were made in an attempt to collect a debt that was already paid current - plus, taking a credit report hit that was totally undeserved since the entire country is in a crisis ... ... .just thinking that these actions were not only uncalled for but very unfair to my personal credit and I would like to have satisfaction on this complaint by way of punitive measures against XXXX XXXX XXXX, whichever is claiming ownership at this time - maybe even a monetary penalty as well. Needless to say, I will be looking to refi with a different company asap. 

I own and operate a small business ( manufacture lab furniture for schools ) and my personal credit drives many decisions that our vendors make regarding extending credit to my company - this negatively impacts not only me, but my company and it's 10 employees. The ripple effect is very strong in my eyes, and this action damaged myself and my company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
on XXXX XX/XX/20 My lost debit card ( which i was unaware of ) was used to make several unauthorized transactions. I did not get any security notifications from Bank of America.Which is ridiculous the account activity was clearly suspicious.I noticed my debit card was lost once i got a low balance alert from the bank. I immediately called their fraud department, they cancelled the card and issued me a new one while also filing a claim for me. 5 days later my claim was denied with no explanation. I reached out to their claims department only to be given the run around, no information was given to me. I provided my Police report number and was told Bank of America would reopen the claim. After 3 weeks later i woke up to a email that stated my claim was not paid. It was being denied with no apparent reason with literally no information on their determination. 

The Unauthorized transactions are listed below _______________________________________________________________________ XX/XX/20 {$1500.00} -Bank of America Atm withdrawal. 
XX/XX/20 {$9.00} -XXXX  XXXX XX/XX/20 $ XXXX XXXX XX/XX/20 XXXX XXXX Bank of America Atm withdrawal . 
XX/XX/20 {$430.00} - XXXX XXXX XX/XX/20 {$200.00} - XXXX XXXX XX/XX/20 {$240.00} - Bank of America Atm withdrawal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. COLLECTIONS XXXX {$520.00} COLLECTIONS XXXX {$100.00} COLLECTIONS XXXX {$59.00} COLLECTIONS XXXX {$61.00}

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 2020-05-06 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. COLLECTIONS XXXX {$520.00} COLLECTIONS XXXX {$100.00} COLLECTIONS XXXX {$59.00} COLLECTIONS XXXX {$61.00}

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 2020-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize anyone employed by XXXX XXXX   ANY OTHER COMPANY, and including the EQUIFAX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the Equifax data breach publicly known.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company enrolled in disaster relief for 2 months for Covid 19. After a week of not seeing it reflected contacted company again they stated it was lagging behind because of the demand which is understandable but they advised it was done incorrectly that case had to be cancelled and a new case created for two months. 

After allowing some time to pass I contacted again as the next month was approaching and I was concerned about the reporting as this was hitting my credit report derogatively when it should not have been. 

After speaking with several reps and several supervisors they advised rest assured this is going to be removed as your account clearly reflects this there has just been a lot of mistakes on my account with all of the confusion Then when I thought ok theyll fix and eased up I was delightfully surprised with yet another 30 days late which again clearly not accurate 100 % dispute and it needs to be fixed immediately I have never been 30 days late on this or any other credit card and surely didnt start now this is unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not authorize anyone employed by SUNTRUST BANK ANY OTHER COMPANY, and including XXXX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
EdFinancial Account number XXXX has been paid off since XX/XX/2020. They are in VIOLATION as the  balance has yet to be updated on my credit report. They are still reporting a balance of {$550.00} as of my report pulled on XX/XX/2020. This account reporting on my credit is preventing me from getting the credit rating I deserve. I DEMAND that this account be DELETED right away. I am attaching my bank statement, confirmation letter that the account was settled and copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX  XXXX {$3900.00} XXXX XXXX  XXXX {$6000.00} XXXX XXXX {$20000.00} XXXX  XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: WI

Complaint narrative:
Equifax and XXXX  should not be reporting a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
A company with an Unknown phone number has reached out to 2 of my family members instead of me. 

They claim I owe a credit card from years ago I called once to ask info on this and they preceeded to threaten me by telling me I am being sued and someone will come to my house The company is XXXX XXXX  XXXX and the lady 's name is XXXX XXXX They are all very rude and if they don't like what you have to say they hang up on you its so unproffesional and i will keep on complaining until they get shut down this is ridiculous Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
When we moved to Texas in 2012 we purchased a vehicle for personal use. Due to my wifes credit score I co-signed as the primary signee but was charged a much higher interest rate at about 18 %. We paid on time for about 4 years until my wife became ill with XXXX XXXX. We contacted the company and made an agreement a couple of times but still had financial issues. Finally we asked the company if we could pay a reasonable amount and settle and they agreed not only to close the account but delete the negative from my credit report. So far the negative has not been deleted per the agreement. Unfortunately I took them at their word and they were untruthful. I just want this removed because this is the only negative on my credit. Im not saying we were never late but we made every effort to resolve this in good faith and they got every dollar and plus interest this car was worth. Please help me with this. XXXX Bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am very disappointed about the forbearance plan with Rocket Mortgage, now it comes out that they want the deferred payments when plan ends, they want to charge me double. On the surface it looked like the payments were going to the end of the loan, but turns out they want to double their money, so very disappointed. Wow, talk about deceiving the customer. Biggest lie ever, that they help during this pandemic. Yeah, I don't HAVE to make the payments but after the forbearance plan is over, Rocket Mortgage want ALL their money or they will try to refinance you ... Such a HUGE lie!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize anyone employed by XXXX XXXX  ANY OTHER COMPANY, and including EQUIFAX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Equifax  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the Equifax data breach publicly known.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: WI

Complaint narrative:
XXXX and Transunion should not be reporting a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from 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 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Attached please find the documents that are proof of manipulations, fraud, and identity theft. Clear my credit file since the fraudulent now under my social security account was already paid off. 

First find the federal student aid report from XXXX College as off XXXX, it clearly state that my balance was in collection was {$13000.00} Even I paid it off. see check attached. 
Second find the letter from USDE dated XX/XX/XXXX which clearly state the total amount of loan consolidated on a duplicated fraudulent account Using my identifiers XXXX XXXX now under my social by fraud, and identity theft, as off year XXXX the balance was {$13000.00}, matching the numbers on my original student loan, and also state that the total amount due to satisfy debt worse {$14000.00} Also attach find XXXX Direct loans statement 1098-E form the last one I had received until todays date. ... 

Following the numbers requested on the letter dated XX/XX/XXXX, On XX/XX/XXXX I Issued a check in the amount of {$14000.00} to pay my outstanding balance on my original account as requested to the IRS off set unit And also requested to satisfy my account And refund any overcharges. The IRS issues a refund in the amount of {$2700.00} with {$.00}. 


I never received the satisfaction letter. 

And Last find US Department of education later dated XX/XX/XXXX in this letter Is more than clear the fraudulent transactions, Harassment and criminal activities from XXXX XXXX the attorney involved in this fraud. 

This letter contradicts and had huge discrepancies on the balance due on the previous letter dated XX/XX/XXXX my account is still outstanding when I already pay off its entire balance due based the information provided on the duplicated account using my identifiers matching according to Their own letters, why the harassment?, Why do you are already charging me for an account was already paid?. Please stop Criminal activities and economic crimes set up by the US Department of education and me clear and satisfied my account stop terrorists from making false claims to the IRS, stop government harassment. 

Today I did file a new complaint because still Transunion XXXX. Transunion refuses to correct inaccurate information in my file such as current residence address and student fraudulent loan currently now under my social security by fraud and identity theft, however it was already paid off since the payment I made to my original account were transferred and applied to using to the fraudulent account Now under my social security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, While traveling abroad in XXXX I inadvertently purchased a service from a merchant who delivered a fraudulent visa approval letter for XXXX. I notified chase both online, phone, and in writing and included supporting information. The low caliber personal who reviewed my claim dismissed it as invalid, even though I showed evidence I purchased the exact same visa, on the same day, from two different merchants. In any case, Chase is insisting the debt is valid even though the visa approval letter was rejected at the airport and the service was fraudulent. 

Very Best, XXXX Relevant Details Chase Bank - Chase Sapphire Reserve Account Number XXXX Claim Number : XXXX Merchant Name : XXXX XXXX  Charge {$250.00} Date XX/XX/XXXX20

Company response to consumer: Closed with explanation