vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a complaint on CiTi card. I have two accounts that I have and citi decided to lower my available credit to the same amount as what I am owing! By doing this this hurt my credit score by almost 20 points. Customer service was terrible as to why this happened! He said because I was not making payments! Flat out lie as I have never missed a payment! Customer service sent in another request to see if they can reverse it and yet again they ran my credit! This again hit my credit score! THIS IS UNACCEPTABLE THAT THEY ARE DOING THIS! Why would they do this if Im a loyal paying customer and ruined my credit score!

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 2020-06-24 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: NJ

Complaint narrative:
I notified Experian that I am a victim of identity theft and in return they told me I am a credit repair company and did not fix the errors on my credit report. this is my second request

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 2020-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I have not been late on this account. I have been paying them in agreement with my completed loan modification schedule. They are totally XXXX up my credit report with inaccurate information being reported in XXXX, XXXX, XXXX and XX/XX/2019. I need these alleged late pays removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This complaint is about Capital One credit card number XXXX XXXX XXXX XXXX which has been ongoing since XX/XX/2020 and has not been resolved. 
Our household of two senior citizens, XXXX XXXX and XXXX XXXX has one land line telephone number only which is XXXX. We do not have mobil service or texting service as we do need those services. 
Capital One refuses to recognize our telephone number and will not grant access to my account via on line service because we do not use mobil or texting services. Consequently, I can not see my statements or pay my bills. Capital One 's attitude is that of " tough luck XXXX  '' if  you don't use mobil or text and still use a land line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: VA

Complaint narrative:
I believe I have a mixed credit file, one that includes my information as well as my parents past information. For my initial credit card, I was an authorized user under a parents account for one year before applying on my own. Almost 10 years later this is now a serious problem. The credit file information does not show up on my credit report to dispute but is routinely used to confirm my identity. In requesting this years credit reports, each credit bureau asked a question I had to call my parent to confirm the information. A previous question asked to confirm my identity asked about who my parents mortgage was with. I cant find anywhere thats tell me how to fix this issue with my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: VA

Complaint narrative:
I believe I have a mixed credit file, one that includes my information as well as my parents past information. For my initial credit card, I was an authorized user under a parents account for one year before applying on my own. Almost 10 years later this is now a serious problem. The credit file information does not show up on my credit report to dispute but is routinely used to confirm my identity. In requesting this years credit reports, each credit bureau asked a question I had to call my parent to confirm the information. A previous question asked to confirm my identity asked about who my parents mortgage was with. I cant find anywhere thats tell me how to fix this issue with my credit file.

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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company : Experian 1. Experian had an error on my credit report, which they acknowledged was wrong and said they cleared it off. This is OK. 
2. Afterwards Experian kept sending me multiple requests for " credit repair '' and " boost your FICO score '' emails even though I never asked for this. This is not good, I challenged my credit report to get it fixed, not to get a flood of marketing emails. 
3. Experian 's ongoing annoying marketing promotion emails have no UNSUBSCRIBE link at bottom. I am glad to forward those.

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 2020-06-24 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: NJ

Complaint narrative:
I previously notified TransUnion that I am a victim of identity theft, and in return and instead of fixing the problem they told me that I am a credit repair 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 2020-06-24 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: OK

Complaint narrative:
I have submitted disputes to XXXX, XXXX  and TransUnion regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi my name is XXXX XXXX, i buy a car on XX/XX/2019 my car cost was XXXX XXXX, my monthly payments to TD bank auto finance is XXXX, about XXXX XXXX at XXXX XXXX i loss my car, a lot off people loss their cars there i have video and picture about that, the insurance company ( XXXX ) say my car in 2 year are depreciated to XXXX, but the pay off is XXXX, The bank say it my responsibility pay my debit or difference like XXXX thas not correct, The insurance company wants clean her own hands and send me a XXXX dollar, they send my a document where they tell me i will receive a check and it my responsibility convey with the bank the difference, what is a mean, i think thats is unfair, pay for something i loss, was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank, Under their Terms and conditions Refuses to investigate Lost payments with their online banking guarantee and reimburse the same with proper customer notification. 

Wells Fargo Banking Refuses to investigate their Debit Cards for unknown debits on accounts nor in good faith make the necessary corrections in a timely manner. Refusing to give accredited accurate information and becomes confrontational when an inquires is made. 

Within a thirty day period I will have been Issued 3 new debit Cards because Of suspected Internal breach of their Customer Based System, Each time interfering with the processing or keeping my account Up to date an accurate. Causing A great Deal of hardship between XX/XX/2020 and XX/XX/2020

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 2020-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: ONEMAIN FINANCE CORPORATION
State: NE

Complaint narrative:
I was tricked into taking out this equity loan years ago and now I'm sure I've paid 3x the amount of the loan which was $ XXXX. They ran a credit check and made me an offer. I accepted the offer and agreed and paid the {$500.00} appraisal fee for my home. They then came back a few days later saying they missed something on my credit report and the terms of the offer had now change. I felt I couldn't back out because they said I would lose my {$500.00} appraisal fee because it was not refundable. I can't even view the loans total history because it's been sold a few times, but I still owe $ XXXX after 13-15 years of paying on the loan. They haven't made any offer for a new better rate or any relief. I believe one of the previous lenders was XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE OR WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION WAS MADE ACCESSIBLE BY SOMEONE UNKNOWN TO ME WHO HAVE MANAGED TO OBTAIN THESE ACCOUNTS AND INQUIRIES. I AM ASKING THE A RE-INVESTIGATION TAKES PLACE IN THIS MATTER SO THAT THE NEGATIVE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: MO

Complaint narrative:
I just filed a complaint with Experian and they closed the complaint without even investigating it! The response I got We dont think this is you so were not going to take action! I just filed a complaint on XX/XX/20 Explaining that Experian was falsely reporting inaccurate information on my credit report! Please reopen the complaint filed on XX/XX/20 and investigate the inaccurate information reported!

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 2020-06-24 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 WAS NOT LATE ON MY AUTO I WAS XXXX  WITH XXXX  XXXX PLEASE HELP TO UPSDATE MY CREDIT I ENCLOSED 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 2020-06-24 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 WAS NOT LATE ON MY AUTO I WAS XXXX  WITH XXXX  XXXX PLEASE HELP TO UPSDATE MY CREDIT I ENCLOSED PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Exhibit A : CapitalOne Bank kept open XXXX XXXX checking account that was closed nearly two years in order to consume every cent. I received letter dated XX/XX/2020 indicating account finally closed. CapitalOne Bank had wiped out funds left in my account that CapitalOne initially closed when I complained of fraud. In fact, CapitalOne also closed all XXXX accounts also that I XXXX. 
Exhibit B : CapitalOne Bank had agreed to lower monthly payments on credit card to {$110.00} due to COVID-19, but statements constantly much more. 
Exhibit C : CapitalOne Bank did not offer lower payments on credit card that has limit of {$500.00}. Increases in monthly payments continue while no assistance due to COVID-19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: NM

Complaint narrative:
Purchased a vehicle from XXXX XXXX in XXXX, New mexico. First time car buyer doing things on my own, they offered to get me in the car for XXXX down and claimed it came with a warranty. Turns out there was no warranty and they instead sold me gap insurance. They then told me after the 500 mile/15 day warranty that I was gon na get a call from the bank and that I had to say that I paid XXXX down and made more then I did or my car would get repossessed and i would get in trouble for committing fraud on my application after they changed the numbers. The car blew up less then 5000 miles later and I am stuck with 5000+ in repairs and a interest rate that is 6 % higher then they originally told me. The bank said they would delay my payment til the XXXX and I got a email today saying I'm 20 days delinquent and that I have not responded to their requests to reach me when I called them on 3 or more occasions. I was told to email them the vehicle diagnosis to be told they never received anything after 3 times of sending it. Im about to hit the 30 day late and don't want to get a repossession on my record when I was scammed into the car.

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 2020-06-24 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: OK

Complaint narrative:
I have submitted disputes to XXXX, Equifax and XXXX  regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: OK

Complaint narrative:
I have submitted disputes to Experian, XXXX  and XXXX  regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I cant add my pnc account to anything. XXXX  my investing app I use and I can't add it to any of my other bank cards like XXXX XXXX, XXXX, XXXX XXXX  account. You waste your time putting all your info in and by the time your at the end it says that pnc won't connect it or something. It's been going on for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX for selling 5 illegal mortgages, appraisals and title insurance along with PHH Mortgage. 3 from a Liquid Asset Account when they did not have the proper licensing for XXXX WA or XXXX UT via the NMLS agency the other two were actual mortgage products XXXX XXXX XXXXXXXXXXXX   XXXX at the time of sale XXXX of XXXX and XXXX of 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 2020-06-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i sent FTC to Experian when i noticed inquires that i did not authorized, i am a victim of identity theft

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 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I applied for a loan online, and received a call from a rep of One Main in  XXXX, VA. He told me that I qualified for a {$15000.00} loan and only needed a few items of documentation. I sent the items, he told me that I was approved. I called my current finance company to tell them that I was paying off the loan only to get an additional call from One Main telling me AFTER they told me that I was approved, that they could not offer me the loan after all because their computer program denied me. That's put me at an inconvenience and also, my current company thinks that I told them a falsehood. My complaint is that this company promises what they can not deliver. They bait and switch. They promise that they have you approved, then they switch their minds. When i told them of my disgust, they said that they were sorry for the miscommunication. It was not miscommunication. I told them of my credit problems up front and was promised that I had a loan only to find out at the very end that they could not perform. They have vital info of mine, and should not have that knowing that they could not do the loan.

Company response to consumer: Closed with explanation