vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
When outside companies contact Equifax to pull my credit score/report to obtain a loan ( car, mortgage, etc. ), they are unable to do so. These companies provide my personal information ; name, DOB, home address, SSN, etc. and the business section of Equifax indicates to them the information is not correct for verification. For security reasons, they do not release the information to the companies that is incorrect. 

I have tried diligently for over 3 years connecting with Equifax and each time go through the same verification process with them over the phone and they confirm my identity to be valid. I explain to them the problem of companies not being able to obtain my credit report but I receive the same answer, " nothing appears wrong with your report. '' When a credit report is issued to me, I have noticed each report indicates new names and new addresses in the section under " previous home addresses '' which is also incorrect but never corrected. Each month that I have received this report, different names and addresses appear, some from within my state and others outside of the state I live in. Although this is incorrect information on my report, I don't believe this to be the problem as to why companies can not obtain my report. This is a separate problem I would also like to have cleared up. 

A few years ago, Equifax had a breach and I was contacted by my bank. Equifax provided a 1 year free identify protection service and the ability to " freeze '' my account, which I did. A few years ago, I released the freeze when wanting to obtain a loan so that my credit report could be obtained. According to Equifax, there is no freeze on my account and yet they don't have an explanation as to why companies are not able to pull my credit report. The problem with companies trying to obtain my report started after this breach or after the freeze was initially placed and released. 

In an effort to fix this problem and aside from reaching out to Equifax directly over the phone, I have also supplied Equifax with numerous emails and faxes proving my identify with drivers license information, utility bills, tax records, etc. ; again, with no resolution to this problem or reply. 

I am at a loss on what or who to contact to resolve this issue as I am making absolutely zero headway with anyone at Equifax. I need help to FIND the problem and resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Hi, I opened a BestBuy/Citi card in XX/XX/2019 to purchase an XXXX  at BestBuy. I had cash and the guy talked me into this Citi card. I was told I could make cash payments and Citi would credit my XXXX account first. I had 6 months to pay off the XXXX or interest charges would apply. 

I paid off the account in full before the XXXX due date and Citi XXXX  me around, XXXX  me around, XXXX me around. denied all reality ( just like the president! ) XXXX  me around and made up a XXXX late fee ... they reversed and sent me an email saying so. I've asked them to close my account multiple times and now they want to charge me interest on the late fee they invented two   months ago and reversed. I made a payment when some bully XXXX customer service person insisted my payment be applied to the previous month ... the conversation became so nonsensical I felt XXXX. I mean it, XXXX is the right word for these XXXX. 

I want this account closed. I owe NO late fee and they are making up pure XXXX. This account is paid in full. In XXXX I owed a balance of {$170.00}. for work on my car. I transferred that full balance to XXXX   XXXX  so I would be completely DONE with the XXXX known as Citi ... but they won't close my account, re-invented the late fee after crediting my account properly, and demanding payment like it's legit. It's NOT legit. 

Honestly, Citi repeatedly makes it intentionally difficult to make payments, have those payments credited properly, and I don't have the time or energy to mess with them any more. They will hurt my credit and hurt me financially, like the pandemic hasn't done enough ... in XXXX my credit score was XXXX, now it's XXXX. XXXX the big banks for making life a nightmare for regular people. I'm not paying this made up late fee, extra interest and fees. I hate Citi and just want this account closed. I can not believe they're not doing this to thousands of people. 
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 monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
YOUR COMPLAINT This company has been reporting negatively on my credit report since XXXX. I first recognized it about 2 years ago and disputed. The amount showing is {$270.00}. I have disputed item more than once as well as asked for proof of item, how it was ordered, when it was orderd as well as what the item actually was. Received no response. I currently have an open complaint with CFPB but the company is claiming not to know me. The address attached is my address and my name prior to marriage in XXXX was XXXX. Please send me a contract that I supposedly had with you or remove from my credit report. I keep disputing requesting documentation and your company is failing to do so. This debt does not belong to me and I need proof as to why you say it does.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
XX/XX/2020 {$4300.00} United Collection Bureau , Inc . 
Current Creditor XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX THE ACTIONS THAT WERE TAKEN THE ACCOUNT HAS BEEN PLACED TO UNITED COLLECTION BUREAU FOR COLLECTION AND AUTHORIZED TO OFFER A SETTLEMENT IN THE AMOUNT 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 2020-07-07 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: NC

Complaint narrative:
The government because I am in the military has breached my file 3 times. All 3 bureaus I have asked to investigate and remove inaccurate negative inquiries and information- this has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My Mortgage lender was sold to Mr. Cooper, which is the worst lender in the world. They never call back or e-mail. 

I was in the middle of trying to refinance when the financial department just did not respond anymore to my request for an FHA streamline. 

I was first told that I could not do it, that Mr. Cooper did not do that, so I told the agent then let see about going to another company who could help me. One agent named XXXX XXXX got back on the line and was so happy to help me and talked my ear off about getting what I needed done, Well I am here to tell you it never happen. COVID 19 HIT AND I was stuck with a payment that I cant afford {$2500.00}. I feel like they just did not want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: TX

Complaint narrative:
XXXX XXXXDisput XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute all ftc violations sent over 45 days ago

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 2020-07-07 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: NC

Complaint narrative:
The government because I am in the military has breached my file 3 times. All 3 bureaus I have asked to investigate and remove inaccurate negative inquiries and information- this has not happened.

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 2020-07-07 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: NC

Complaint narrative:
The government because I am in the military has breached my file 3 times. All 3 bureaus I have asked to investigate and remove inaccurate negative inquiries and information- this has not happened.

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 2020-07-07 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: IL

Complaint narrative:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX  XXXX/XXXX, XXXX   XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX My name is XXXX XXXX. 
My phone number is 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 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I had someone try to get a Credit card through Verizon shared account using my information and I didnt apply for it. I have a lock on my credit so no one should be able to give credit or run it but it seems thats whats going on with the back behind the card bc I got an email from some synchrony bank saying they wanted me to call them? I am not calling anyone bc I didnt want a card through Verizon and I dont want a hard hit to my credit for applying for something that I personally didnt apply for.

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 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
on XX/XX/2020 i sent my friend an international wire transfer of {$5000.00} from usa to XXXX through a chase bank branch in XXXX, ohio. 
i was charged a {$50.00} fee for this transaction and i was told that this transaction should be received by XX/XX/2020, which is 10 days from the day sent. this is also stated on the documents that i got for the transaction. 

it is now XX/XX/2020, 5 days past the due date, and still my friend has not received anything. 

ive went back to the branch and asked them for help to track the transaction, but they refused to help me and gave me a phone number ( XXXX ) which every time i call goes to an automated system which says we are currently unavailable and then immediately hangs up. 

so now i have no way to track my transaction of {$5000.00} and i have no idea if it will even be received. this is just horrible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07 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: TX

Complaint narrative:
XXXX XXXXDisput XXXX XXXX XXXX XXXXDispute XXXXispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX IDispute all ftc violations sent over 45 days ago

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 2020-07-07 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:
XXXX XXXXDisput XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute all ftc violations sent over 45 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: PA

Complaint narrative:
( XXXX XXXX XXXX XXXX ) I have sent 4 challenge letters to Transunion , XXXX , and XXXX . Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. XXXX is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... XXXX is reporting ok, XXXX is reporting a new charge off every month which is killing my score and transunion is reporting nothing

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 2020-07-07 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: TX

Complaint narrative:
XXXX XXXX and TU showing inquires not known to me FTC violations XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of 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 2020-07-07 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: TX

Complaint narrative:
experian XXXX and XXXX showing inquires not known to me FTC violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of 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 2020-07-07 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have bank accounts and credit cards with several different banking institutions and utilize online banking apps with each. BBVA has the worst online banking app platform. It is not user friendly and difficult to navigate. When attempting to make a credit card payment on the app, I received a message that there was an error and the payment did not go through, so I attempted to make the payment a second time on their website. Still another error message. I then called and made the payment with a representative the same evening. He said there was no payment made online nor did he see any attempts. Naturally I made the payment with him. A few days later, 3 payments were taken out of my bank account!!! I was hit 3 times with a very large credit card statement even after being told by a BBVA representative that my previous two attempts did not go through. I have additional complaints about this bank but will submit a second complaint separately as it deals with COVID. I am a XXXX XXXX and XXXX XXXX XXXX by occupation and will never the recommend this bank to my clients or the community. Their online banking system and app is outdated and light years behind the rest of the banking industry. 

Each time I have called I have made it a point to let the representatives know how difficult and non-user friendly their online banking system is. More than one representative told me that they get that complaint a lot. I asked them to please note my specific complaints so their technology department could receive the feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: FL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am an authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: FL

Complaint narrative:
during the covid-19 pandemic my state issued me a prepaid card to fund my cares act. the company www.goprogram.com never sent me card, or it was sent to a wrong address. the only way to access the program or order a new card, is to have the original card number, ( i never received a card so how can i know the number? ) ( i never received correspondence from the go program company, so how could i know my pin? ) All this same info is required when you call them, and if you do not have this info the system will hang up on you. You also need this info to do ANYTHING online, again i NEVER received a card, therefore, how do i know my card number? or even how would i be able to even set a pin? there is no possibility of any customer service, and there is money on the card that belongs to me, that i need! i can not access this government money. I can not speak to any one, i was able to switch my payments to direct deposit, but not before payments where added to that card, i need that money i need a new card, i have sent a hand written letter to the company weeks ago, with no response, so i need to file this complaint, i am worried about other citizens that can not access the money, due to clerical errors and disregard for human customer service at this company " Go Program '', i implore you to try your self Call XXXX, try to see if you can speak to someone regarding a lost card. you won't

Company response to consumer: Closed with explanation