vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2020 - placed order to XXXX  XXXX - {$230.00} Received wrong part - unable to secure return info XX/XX/2020 Filed dispute with XXXX XXXX - provided conditional credit XX/XX/2020 Parts direct said they had not received return ( I awaited return instructions, and XXXX reversed credit. 
XX/XX/2020 Part received back at XXXX  XXXX  - XX/XX/2020 XXXX  XXXX  issue credit for {$220.00} - XX/XX/2020 XXXX bank says they did not receive credit and XXXX  XXXX  says their transaction detail states the credit went through XX/XX/2020 XXXX says to contact XXXX  XXXX  to issue new credit and XXXX  XXXX  says they can not because this account has come to " XXXX  '' due to charge and credit 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 monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Someone got hold of my credit information for XXXX XXXX, XXXX XXXX XXXX and used my cards which Ive contacted the company right away and they removed the negative items from my credit report and now its back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Someone got hold of my credit information for XXXX XXXX, XXXX XXXX XXXX and used my cards which Ive contacted the company right away and they removed the negative items from my credit report and now its 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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I applied for a business loan with a company called XXXX. They asked me for business banking statements, and then offered me a loan at 80 % interest APR. They said the reason was due to " my personal credit score being below XXXX. '' Our business is a separate legal entity ( LLC ). 

I never gave this organization the authorization to access my personal credit report. I was never asked, and never told that my personal credit would be accessed. 

They violated my trust and accessed my credit file without permission, and now have caused my credit score to go down further, having done a " hard pull '' of my credit report from Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RCS Capital Partners, Inc.
State: DE

Complaint narrative:
This complaint is specifically for RCS, this is a " collection '' agency for XXXX XXXX and XXXX XXXX is the " current creditor ''. However, only XXXX XXXX appears on my Credit Report under collections. There are 4 companies I owe debt to, RCS and XXXX XXXX are none of the 4. 
On XX/XX/XXXX {$57.00} was debited from my account by RCS, XX/XX/XXXX another {$57.00} was debited, and XX/XX/XXXX {$57.00} plus another {$6.00} was debited from my account all from this same company " RCS ''. I had spoken to this company in early XXXX ( XXXX is handling my account ) about ceasing all future payments since I am off of work because of the COVID-19 outbreak, I am still laid off currently and am surviving off of savings. 

I called RCS today XX/XX/XXXX, because I noticed additional charges had been taken out of my account. I wasn't upset, and never had any intentions on asking for a refund. But XXXX was extremely defensive, had a condescending tone with me, and refused to hear anything I wanted to say, and then hung up on me. When I called back 4 or 5 times I was left on hold by an automated system, and then the call would drop. I finally got thru to XXXX 's co-worker whom found it satisfying to tell me he was not only the supervisor but owner of the company, told me he leads the call and I have to listen to whatever he has to say, not the other way around, told me he would remove my information from their accounts and hung up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have repeatedly sent letters to XXXX, Transunion and XXXX   regarding the incorrect addresses that are reporting on my credit report. It should only be one address reflecting where I currently reside and that address is : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. Please contact these bureaus and tell them to comply with my request, I have sent my utility bill with a letter requesting removal 3 times now and nothing has been done. I also have a collection reporting with all three bureaus from XXXX. I know for a fact this is not my account because of the inaccurate opening date that is being reported on my credit reports. This debt collection company is reporting incorrect information on me of an account that is not mine and I want it removed immediately. 

XXXX XXXX ( Original Creditor : 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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have repeatedly sent letters to Experian, XXXX  and Experian regarding the incorrect addresses that are reporting on my credit report. It should only be one address reflecting where I currently reside and that address is : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. Please contact these bureaus and tell them to comply with my request, I have sent my utility bill with a letter requesting removal 3 times now and nothing has been done. I also have a collection reporting with all three bureaus from XXXX. I know for a fact this is not my account because of the inaccurate opening date that is being reported on my credit reports. This debt collection company is reporting incorrect information on me of an account that is not mine and I want it removed immediately. 

XXXX XXXX XXXX Original Creditor : 11 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 2020-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
Earlier today ( Wednesday, XX/XX/2020 ), the cosigner of this loan received a phone call from the loan servicer ( AES ) indicating that my payment was overdue. When the cosigner notified me of this, I was surprised because for several years my due dates have been the XXXX of each month, and I had made a timely payment of the balance due at the end of XXXX. I logged into my account and discovered that my due date had been changed to the XXXX of the month. I searched through my email account and could not find any emails notifying me of this change, even though AES usually communicates with me by email. 

I called AES and the representative confirmed that AES had in fact changed my due date. The representative searched through AES 's communication system and confirmed that they had not sent me an email regarding this change. The representative told me that all I can do is pay the balance now ; the due-date change can not be undone. Further, he suggested that I should log into my account frequently to see if my due date changes again. After the call, I logged back into my account and paid the so-called " overdue '' balance in full. 

I am reporting this situation because I believe AES has behaved wrongfully in two respects. First, it is inappropriate for a servicer to suddenly make a monthly loan payment due only two weeks after the last payment had been paid on time. Second, no change in payment date should occur without proper communication to the loan customer ; it is absurd to expect people to frequently check for changes in their accounts when they have signed up for email notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I am requesting a release option for co-signers, according to the Consumer Financial Protection Bureau a release can be obtained after a certain number of on-time payments. 


I am requesting to be released from this lease agreement as it has been returned and payments have NEVER been made by me. The sole responsibility of this lease was for my son XXXX XXXX. There is confusion at times being that we have the same name. I am attempting to get a loan for the purpose of re-siding a home that I am too old to get up on a ladder and paint. I am a Veteran of the United States XXXX and retired XXXX XXXX XXXX 
This is regarding the XXXX XXXX XXXX, account # XXXX - XXXX  XXXX XXXX XXXX 

Typically after a certain amount of payments, the co-signer can be removed. This lease has been turned in and I need it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
Was told i was approved for credit card by Alliant Credit Union XXXX, IL on XX/XX/20. 
Then after submitting required documentation was then continually delayed and discriminated against ... 

My Employer even intervened to resolve what should have been a simple verification issue. But Alliant would not accept that even AFTER requesting multiple documents they were given AND making a call to my employer ... 

My Employer was called 1 time at XXXX eastern time after business hours and Alliant left no message. 
Employer then attempted to call back and then spoke with someone who would still not verify employment with my Employer! 

I have submitted SIX DIFFERENT FORMS of verification and they were still asking for more verification after they were not willing to actually verify with my employer. 

I received another credit card for the same amount and terms with a simple 2 minute online application ... 

I sure find it interesting that after i submitted my ID where my RACE was known the XXXX and delays started right away! 

Clearly Alliant Credit Union doesn't care about its members and it's very disheartening to have this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: PA

Complaint narrative:
I've paid my XXXX XXXX car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.

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 2020-05-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I've paid my XXXX  XXXX car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: PA

Complaint narrative:
I've paid my XXXX  XXXX car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
applied for a XXXX credit card today XX/XX/2020 and I wasn't approved because there is an account reflecting badly on my credit report. The company that the account is from is called XXXX. I did not open an account with this company nor did I allow anyone to open this account in my name. I did not gain anything from this account being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I do not have any written/verbal contract with this company and I never allowed them to run or access my credit information. I have already filed a police report regarding this suspicious account. I filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Target credit card reported a 30 day missed payment for the month of XX/XX/2019. The payment was actually paid a day late but it was never 30 days late. I sent all bank statements to both creditor and credit agencies to verify the payment was never missed for 30 days. I was told from the creditor it was system error and would be corrected, Months later this still has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
i am under a 3 month Forbearance Plan due to the Covid 19 virus i just received a very threatening letter stating i am in default and the loan is delinquent after i pleaded with the bank representative to send me a letter ( or an email ) telling me either to disregard the letter or a letter stating my mortgage is still in good standing, they refused to do so! 

please help me as soon as possible as i am already having a difficult time as my business is at a standstill due to the Virus thank you in advance for your help XXXX XXXX cell # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This is related to Complaint XXXX which was closed on XX/XX/2020. 

70 days ago XXXX XXXX  acknowledged that a dispute was closed in my favor regarding a fraudulently opened account. I pulled my credit reports today and am still seeing the XXXX XXXX   XXXX XXXX account on my reports. This should have been removed. This has now been an issue for 147 days. 

The account continues to show up on my TransUnion and XXXX  credit reports as a disputed account. I have had complications applying for a mortgage and a completing a background check for a new job because of this 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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is related to Complaint XXXX which was closed on XX/XX/2020. 

70 days ago XXXX XXXX  acknowledged that a dispute was closed in my favor regarding a fraudulently opened account. I pulled my credit reports today and am still seeing the XXXX XXXX   XXXX XXXX account on my reports. This should have been removed. This has now been an issue for 147 days. 

The account continues to show up on my XXXX  and Experian credit reports as a disputed account. I have had complications applying for a mortgage and a completing a background check for a new job because of this 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 non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Since XXXX ( 4 years ), I have been trying to get Bank of America to update the information used on my mothers profile which Contains my social with my mothers name and address. During a XXXX software update, Bank of America admitted to merging profiles of same names and accounts that were held within the same home address. The last time I had a checking account with Bank of America was in XXXX. I moved mid XXXX and was married in XXXX, so I have not resided with my mother in 15 years and Ive had a different last name since XXXX. 
My mother has a credit card with Bank of America that has been open since the early XXXX when I was still a high school student. 
In XX/XX/XXXX my mother was solicited for a rewards version of her Bank of America credit card. The teller mistakenly pulled my credit and open the account under my social security number despite my mother presenting her own credentials. As soon as I got an alert regarding the hard inquiries and new credit card. I called to file a complaint and issue a fraud alert. The card was closed and BoA admitted to mistakenly using the wrong profile yet again. I do not understand why they have certified the information on my credit to be truthful when I have not done business with them in 15 years. I now have 2 new hard inquiries and another credit card shown to have been opened and closed on the same month on my credit report which do not belong there.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
applied for a XXXX credit card today XX/XX/2020 and I wasn't approved because there is an account reflecting badly on my credit report. The company that the account is from is called XXXX. I did not open an account with this company nor did I allow anyone to open this account in my name. I did not gain anything from this account being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I do not have any written/verbal contract with this company and I never allowed them to run or access my credit information. I have already filed a police report regarding this suspicious account. I filed this report to the best of my knowledge.

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