vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has a freeze on my report which I have asked repeatedly to unlock my report. I did not request one be placed so why did they do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: NC

Complaint narrative:
I have two accounts that both have wrong credit card balances : XXXX XXXX XXXX  credit card and XXXX XXXX XXXX. The XXXX XXXX balance is {$0.00} since XX/XX/XXXX. I will show proof that I requested a statement. The XXXX card balance shows {$1000.00} on the XXXX XXXX website. The actual balance is {$1000.00}. I will show proof of payments from my bill pay ( from XXXX  XXXX XXXX ). Please assist.

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 2020-04-30 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: NC

Complaint narrative:
I have two accounts that both have wrong credit card balances : XXXX XXXX XXXX  credit card and XXXX XXXX XXXX. The XXXX XXXX balance is {$0.00} since XX/XX/XXXX. I will show proof that I requested a statement. The XXXX card balance shows {$1000.00} on the XXXX XXXX website. The actual balance is {$1000.00}. I will show proof of payments from my bill pay ( from XXXX  XXXX XXXX ). Please assist.

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a bankcard with UMB Bank, n.a. Received a letter of denial which listed Issuer 's XXXX XXXX as the credit reporting agency. My XXXX  credit reports shows that UMB pulled a credit report, not the service listed on the letter. UMB did not disclose that they pulled a credit report from XXXX. There were no credit score details or other disclosers included with their letter of denial which are required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: FL

Complaint narrative:
On XXXX XXXX I went to talk to XXXX XXXX XXXX Regarding a loan and I said to explain to me how the loan work in New York She run my credit whit out explain or authorization for me to run my credit she did it anyway and no explanation no letter the name of the place is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Tell. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I transferred {$700.00} to purchase a pet I found on XXXX XXXX XXXX on XX/XX/2020. 

I transferred the money from my personal checking account through XXXX, which is the " recommended '' money transferring service when I log into my BANK OF AMERICA account. 

The next day the individual I agreed to purchase the puppy from turned off his phone and I have no other way of getting a hold of him. 

I have since emailed XXXX XXXX XXXX XXXX and have not received any correspondence. 

Also, I have contacted my bank, BANK OF AMERICA, and their only advice was to contact the FBI. 

I have issues with this because as a customer of BANK OF AMERICA they recommended using XXXX, which I'm sure they get some kind of huge kickback on. 

YET, when an issue arises, they refuse to take ANY responsibility or help in ANY way because they aren't " affiliated '' with XXXX. 

DISGRACEFUL!!!

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 2020-04-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have on two separate occasions attempted to have XXXX XXXX give a one time courtesy reversal of my XX/XX/2019 late mortgage payment. There were extenuating circumstance with my Title company on the purchase of my new home. I used to work for XXXX XXXX and have worked on mortgage accounts that have recieved a negative credit reporting reversal. They are refusing to do the same for me. I am stating they are operating under unfair business practices. I have stated numerous time this is not a XXXX XXXX error, I am asking for what I have done to other accounts in the recent months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I sold 1 Bitcoin on XX/XX/2020, it went into a Wallet. I tried for a few days now to withdraw the money into my personal bank account. It keeps giving me this message that they need more information. It took a month to unlock my account. I finally got on and sold my only Bitcoin and now they will not give me my money. I followed all of Coinbase instructions and still nothing. I reached out to customer service over and over. They never address my problem about not able to withdraw my money. I sent Coinbase a screen shot of message like they ask me and nothing. Crickets, I'm still waiting. I lost my job over COVID-19 and I'm in need of money. Please can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: OK

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$59.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$28000.00} XXXX XXXX {$650.00} XXXX XXXX {$18000.00} XXXX  XXXX {$650.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: OK

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$59.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$28000.00} XXXX XXXX {$650.00} XXXX  XXXX {$18000.00} XXXX XXXX {$650.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/2020 Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED Re :  Request for auto loan relief due to COVID-19 ( coronavirus ) pandemic Account number : XXXX To Capital One Auto Finance, On XX/XX/2020, the World Health Organization designated COVID-19 as a pandemic. In a short period, in the US, over 6,223 cases and over 100 deaths have been reported. 
Many companies and schools have closed due to COVID-19 cases or exposures.

I have suffered a substantial loss of income related to COVID-19. Unfortunately, my loss of income will negatively affect my ability to timely pay my car payment in full. Please let me know if you will waive late fees and accept partial auto loan payments. 

I understand that your temporary acceptance does not waive your rights or remedies. Please know that I will not be able to make XX/XX/XXXX payment of {$570.00}, which includes late fees of {$140.00}. Please refrain from any negative credit reporting during this limited hardship period. It is my hope that I am able to supplement my income to get my payments current. In light of this, please do not proceed in any repossession actions due to any default. 

Thank you in advance for your attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

COLLECTION XXXX {$35.00} XXXX XXXX {$4400.00} XXXX XXXX {$5300.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$690.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion has a credit card from XXXX XXXX on my account twice. The account number is XXXX. One line shows a balance and the second time it is on the account it shows the balance is zero. The line with the balance due should be deleted. The one with the zero balance is correct.

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 2020-04-30 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a large refund from one of my wedding vendors when we cancelled our wedding. Current my credit card has a credit of XXXX. I submitted a request through Chase 's message portal to ask they transfer the credit to my checking account. They have not responded. I've reached out through their support team through XXXX and they directed me to the phone number on the back of the card. I called the back of the card and the automated answering machine did not provide any options for me to speak with a rep. It stated they had high call volumes and can only assist with specific issues through telephone. My issue was not one of them. I keep getting the run around and I just want my funds deposited to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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:
I contacted Experian on XX/XX/XXXX to dispute negative report made by XXXX XXXX. The closed the dispute and said it was verified. 

I contacted XXXX XXXX on XX/XX/XXXX to get an itemized statement of the charges they were reporting. They informed me they did not have a statement. They received the information from a company called XXXX XXXX and I would need to contact them to get the statement. XXXX XXXX received the debt information from XXXX XXXX. 

I contacted XXXX XXXX and they said they did not have an itemized statement and directed me back to XXXX XXXX. How did XXXX XXXX turn over a debt that they did not have information proving the amount was correct. 

I contacted the original creditor, XXXX XXXX XXXX and they stated they did not have an itemized statement because the debt had been turned over to collections. 

How did Experian verify a debt without any basis of the amount owed other than a collection agency saying it was valid?

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 2020-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I took out a loan in XX/XX/2015 with XXXX/Synchrony Bank, I set up auto payments for the loan for the XX/XX/XXXX of each month. Now that the loan is almost done I get informed that almost every payment ( 33 ) total were late because the bank did not get them until the XX/XX/XXXX and late fees were assessed. 

When I called to ask if the loan was paid in full so I can get the title, I was told that the pay off is {$1500.00} all late fees. I have never dealt with a bank that didn't have a grace period but was told by customer service rep that " If I would have read the contract and paid more attention to the monthly statements I would have known '', and it is not their responsibility to let borrowers know they are delinquent. 

I believe this practice is wrong and I have been unfairly charged along with anyone else dealing with this bank.

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 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MA

Complaint narrative:
Hunter Walfield, a collection agency, has been collecting a debt of {$1900.00} from me. The original creditor is XXXX XXXX, who falsely charged me and my husband of {$1900.00}, of which {$1700.00} for not giving 60 day moving-out notice and {$260.00} for property damage/cleaning. {$1700.00} was generated as a 60-day month-to-month rental fee from the notice given day ( XX/XX/XXXX to XX/XX/XXXX ), while {$260.00} was generated based on the move-out inspection form -- {$160.00} for whole apartment cleaning and {$100.00} for dining room carpet cleaning. 

I disputed with Hunter Walfield who sent me no debt validation proof but a copy of the rental lease. I sent emails to Hunter Walfield on XXXX XXXX, XXXX and XX/XX/XXXX with a detailed explanation and pointing out that there is no statement in the lease regarding any financial penalty if the tenants not giving 60 day moving-out notice. Also, The vacate form provided and signed by XXXX XXXX Manager specifically stated that if your move out date is after the lease end date, you will be billed the month-to-month rate for any days up to and including your move out date. We moved out before the lease end date XX/XX/XXXX. XXXX XXXX still billed us the month-to-month rate from XX/XX/XXXX to XX/XX/XXXX, which is absolutely a false charge. 

I have attached photos along with the email to show how well we have cleaned the apartment before we moved out. I have also attached the move-in inspection form to show the pre-existing condition of the apartment in order to prove that there was no damage made by us while living there. 

I believe the proof and evidence I have provided to Hunter Walfield are sufficient to prove that this is a false charge and we do not own any debt to XXXX XXXX. I have also disputed with XXXX, XXXX and XXXX. Yet Hunter Walfield chose to ignore the facts and not have the collection account removed from the XXXX bureaus. After 30 days, all three credit bureaus sent me a letter with " updated '' but nothing else regarding the collection account. When I called, I was told to have to go back to ask Hunter Walfield for  the collection account removal.

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 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, I applied for XXXX XXXX card financed through Citibank. In XXXX, I applied for ExxonMobil card financed through Citibank. I was denied both times for previous internal records for previous bankruptcies over the statue of limitations. I was told to contact credit bureaus, which there are no records

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 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have Checking and savings account with BBVA.

My salary comes into checking account.

BBVA seems to be in this world just to make money out of customers-they have ACH with {$3.00} per ACH. My XXXX XXXX and XXXX XXXX doesn't take any charges for ACH. 
Then i decided to use their free XXXX XXXX  service ... i could do two transactions ... BBVA has made them really difficult - putting limit on them ... 3rd one they blocked it. On XXXX and XXXX XX/XX/2020 - i tried calling them ... unnecessary transfers from here to there etc ... even after that more than 1 hour of wait ... .calls getting dropped ... they are stating that we are short of staff ... so why you are blocking the XXXX transactions and then asking the customers to call you back.

Company response to consumer: Closed with explanation