vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: TCF NATIONAL BANK
State: AR

Complaint narrative:
XXXX XXXX FAILED TO FURISH 1099-C DENT CANCELLATION FOR MY TAX FILINGS ALONG WITH TCF BANK, XXXX  ETC..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 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: CITIBANK, N.A.
State: AR

Complaint narrative:
XXXX XXXX FAILED TO FURISH 1099-C DENT CANCELLATION FOR MY TAX FILINGS ALONG WITH XXXX XXXX, CITICAOPR ETC..

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 2020-02-01 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: IL

Complaint narrative:
My student loans are reported as delinquent in XXXX and XX/XX/2017 and they were not. I received a deferment of payment for a year due to a medical emergency and it doesn't show and has been reported incorrectly. I want it removed and my XXXX score returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied three times, a 'hard inquiry 's day of shame. I was rejected and declined a Walmart and capital ones credit program and a MasterCard is not being processed for XXXX XXXX dollar credit limit and in fine print each time even announcing you as some defense Walmart has not made it any easier on me and my loved ones. I was gurenteed offer after decline even. What a fraud life is claiming. I need my MasterCard as intended by credit application and even fair trade. When will any of you do the right thing for the people of the XXXX XXXX, California. I am a US citizen I hope Walmart by national enterprise is not to blame for the discrimination I feel today. As of yesterday XX/XX/XXXX..e Way to insult a XXXX XXXX this day and age. Have mercy on us all still seeking our salvations. Please help as of XX/XX/XXXX urgent request for rewards card send in mail end of dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity Capital/ XXXX XXXX XXXX XXXX, ETC hard inquires on XX/XX/XXXX & XX/XX/XXXX I did not apply for this neither times fraudulent Factual Data- Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX All of these are fraudulent hard inquiries I did not apply for none of these and I tried reaching out to the company and did not get a response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Calling for someone I do not know and is not me. I do not have a credit card or have unpaid debt. My telephone number is registered under my name and has been for 10 years. Calls come in at XXXX ( XX/XX/20 ) on a Saturday and have called several times ( XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 ) on spoofed numbers with the XXXX area code. Will not issue a written statement to me or provide me with the recorded calls. They also refuse to contact my attorney, instead contacting me directly.

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 2020-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
On XX/XX/2020 at XXXX i deposited {$280.00} cash to my checking account. The receipt said it's on my account and available. I logged in to my online account and it is not available. After calling in the said I have to wait XXXX hours. They also stated that it was made after cut off time and the business day was over.

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 2020-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I contacted Citi bank Sears card on XX/XX/2020 to make 1 payment arounda {$90.00}. The agent set up the full past due balance. Today I as transfer to a manager named XXXX that said the process would take 20 business day. I explained and complained of the error and how it was not acceptable. XXXX cut me off stopped speaking all together then hung up the call with no resolution.

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 2020-02-01 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: FACTUAL DATA CORP.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ETC hard inquires on XX/XX/XXXX & XX/XX/XXXX I did not apply for this neither times fraudulent Factual Data- Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX All of these are fraudulent hard inquiries I did not apply for none of these and I tried reaching out to the company and did not get a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2019, I opened a credit card with Lowe 's, serviced by Synchrony Bank. I have been paying that card on time, when all of a sudden, I got an e-mail from XXXX XXXX that my account was closed without notice. I complied with everything. Synchrony ruined my life and this is not the first time they do it.

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 2020-02-01 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: LA

Complaint narrative:
Looked at my report and seen inquires that does not belong to me. Please remove them before I contact my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Starting XX/XX/XXXX, my husband and I started receiving letters about our new Chase checking and savings accounts. Neither of us have opened any. The letters are very good and some almost look real. There was a debit card sent to me, but I do not know if it is real or not. 

Also funds were supposedly wired into the account, but then they never made it in. 

I can not find a good number to contact Chase to report fraud, or I would have already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Internet full of complaints against Comenity Bank 's practice of incessant phone calls ( mostly robo but once in awhile a voice mail from a person urging my wife to call, but never saying why ). NEVER have gotten anything in mail. We're 100 % responsible paying off our Mastercard in full every month, which has nothing to do with Comenity. 

No idea why we get relentless calls and we are on the DO NOT CALL list. Internet advice from consumers is that this is a totally shady company and not to call because reps are awful and don't listen to request to stop calling. 

Comenity Bank should not be allowed to operate this way. Phone numbers we see : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: LA

Complaint narrative:
Looked at my report and seen inquires that does not belong to me. Please remove them before I contact my attorney.

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 2020-02-01 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: LA

Complaint narrative:
Looked at my report and seen inquires that does not belong to me. Please remove them before I contact my attorney.

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 2020-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I entered into a consumer credit account with Lowes, in XXXX. I charged {$16000.00} to refurbish my kitchen. The terms were 0 % interest for 2 years, followed by interest of 26.99 % thereafter. 

When I went online to pay my bill, today. I found an interest charge of {$10000.00}. had accrued since my prior statement, which had a balance of {$11000.00}. I had paid {$1000.00} on that balance. 

When I called Lowes, I was informed that, if I did not pay the entire balance by XXXX XXXX, I would be responsible for the {$10000.00} in interest and would be responsible for a balance of {$21000.00}. Paying it off over time would result in interest payments of many thousands of dollars. Otherwise, I owed them {$10000.00}, if paid in full by XX/XX/XXXX. 

Fortunately, I have the money and was considering paying off the balance anyway. However, I can imagine someone less fortunate being under extreme pressure facing this unexpected term adjustment. 

I thought I understood that they would BEGIN charging me 26.99 % on THE REMAINING BALANCE if I didn't pay off the balance in two years. Instead, they seem to have charged me over 50 % or thereabouts from the inception of the original {$16000.00} charge, retroactively. There seems to have been no consideration of the over {$6000.00} I had paid in the 2 yrs. 

Is this legal?

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 2020-02-01 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I called Kia three times to tell them they reported me 30 days late and they said they could not help me I had to send in documents to prove it and I got no response. I was never late on this lease I paid it off early in XX/XX/2019 I actually overpaid and when I called they said they will keep it use it for the end lease return of XXXX they would bill me for the balance of XXXXwe returned the car XX/XX/2019. In XXXX received a bill for XXXX which I paid. They are saying I never paid XXXX payment. The statements show I paid two payments in XXXX and XXXX paying off the lease early. They reported us to all credit reporting agencies saying we were 30 days which has taken our credit score down 100 points. I had automatic payments on this loan and was never late. I find it hard to  believe that the credit department at Kia can not see the problem and fix it then. They made me jump threw hoops to prove what they already know because they have the records in front of them. They wanted to argue with me on the statements I told them I paid two payments two months in a row so I could return the car early.

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 2020-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My Oregon Tax refund check deposited in XX/XX/XXXX was cashed by B of A from the dept of revenue, but never posted to my account balance. In XX/XX/XXXX ' they verified this with no explanation, and requested I re deposit check electronically, Which I did. They posted the {$300.00} to my acct. for several days, then reversed it and told me Oregon dept of revenue rejected it, due to being more than 120 days old. Oregon says it Was withdrawn from Their account and won't reissue. B of A told ME to have Oregon file a claim against Them, to get MY money back!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XXXX I filed for bankruptcy.In Early XX/XX/XXXX, I disputed the bankruptcy on all credit reports to have it removed because of the 10 year is over.Equifax sent me the results from the dispute confirmation # XXXX stating " The disputed item is not currently reporting on the Equifax credit file.Public Record : Bankruptcy '' .On XX/XX/XXXX, I received a personal loan offer via US Mail from XXXX XXXX loan offer up to XXXX XX/XX/XXXX, I applied online for the XXXX XXXX offer for XXXX, pulling a soft credit pull.After applying online, I was denied approval.Minutes later, I received a Quote decision via email stating " you did not meet minimum credit score '' .The quote Decision listed my credit score at XXXX.I decided to call the number listed on the XXXX XXXX quote Decision and spoke to XXXX XXXX XXXX ) at XXXX on XXXXShe asked for my SSN number to look up information.XXXX stated to me that my credit score is XXXX and to be considered for a loan, it should be at least XXXX or more.I also asked XXXX, what does the Derogatory public record or collection mean.XXXX stated it generally means bankruptcy.After that conversation, I logged onto Equifax at www.equifax.com.As soon as I logged on, the first page shows credit score of XXXX ( good ) and was updated on XXXXAfter looking at that page, I clicked on to public records and it still shows Bankruptcy.Because of Exquifaxs not removing the Bankruptcy, I was denied credit/loan.Also, Because of the difference in credit scores, I was denied credit/loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In 2004, a began receiving education for my XXXX degree at XXXX XXXX XXXX XXXX. I was provided funding to attend XXXX by Sallie Mae. I was only offered a variable interest rate and had to have two cosigners. Thankfully, I was able to get the loan and begin the process to become a health care professional. I began paying on my loans a year after I graduated. We were making payments with high, fluctuating interest rates, making it close to impossible most months to pay our bills. We requested multiple of times for Sallie Mae to refinance our loans to obtain a fixed rate and lower payments, but were continuously denied. We attempted numerous of times to find financial institutions to refinance my student loan, but no one would touch a private loan. Suddenly, Sallie Mae stopped collecting payments from us. We were never given any explanation. Come to find out, one of my cosigners filed bankruptcy. Somehow, this put my loan into non collection status. This happened for quite sometime. The cosigner filed bankruptcy twice in a row, I believe. I never received the full story, nor recall receiving anything from Sallie Mae. Regardless, over the years, multiple times, I've attempted to release my cosigners, to refinance my loans, and have never been successful. My loans have gone in and out of forbearance with very little, if any, communication from the company, who now I know is Navient. My loans are currently in forbearance, not sure how, but I'm not complaining. I do not have the money to pay them at this time, especially at the rate they are. I've been contacted by lawyers, but I denied their services due to being told it would hurt my credit for quite sometime ; I wasn't sure if that was the best route. I am hurting financially, and my loans are an impending doom. I feel that if Sallie Mae would've helped me in the first few years I was requesting a better payment plan, I could have my loans paid off, or at least close to, by now. I need guidance and support. I'm hoping I can receive this by reaching out to this company. Thank you for the opportunity to feel heard!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I got a credit inquiry from XXXX XXXX XXXX and I dont even fly. This is a synchrony account it looks like. Can you help?

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