vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I AM DESPERATE FOR HELP. DUE TO A LIFE CRISIS I LOST ALL OF MY CREDIT CARDS & AM STRUGGLING TO GET MY LIFE BACK. THE ONLY MAJOR CREDIT CARD I HAD LEFT OPEN IS CITI SIMPLICITY CARD. MY CREDIT LIMIT WAS {$1600.00} AND I MAKE MY PAYMENTS BY AUTO-PAY 2 TIMES A MONTH TO COVER THE MINIMUM PAYMENT. 

SINCE I LOST 80 % OF MY INCOME DUE TO COVID19 I  NEEDED TO RENT A CAR TO DRIVE WITH XXXX BUT THEY ONLY TOOK CREDIT CARDS, NOT EVEN A DEBIT CARD SO I CALLED CITIBANK TO PAY ENOUGH TO OPEN {$1000.00} AVAILABLE CREDIT SO I CAN RENT THE CAR. MY ACCOUNT WAS NOT PAST DUE. 

ON XX/XX/XXXX I CALLED TO PAY {$250.00} BUT THE RENTAL COMPANY NEEDED A DEPOSIT ALSO SO ON XX/XX/XXXX I PAID ANOTHER {$750.00} BOTH PAYMENTS ON MY DEBIT CARD SO THE I WOULD HAVE INSTANT AVAILABLE CREDIT AND SO I NOW HAD APPROX. {$1000.00} AVAILABLE CREDIT & WAS GOING TO RENT A CAR FROM HYRECAR STARING XX/XX/XXXX USING MY AVAILABLE CREDIT THEN CONVENIENTLY A FEW DAYS LATER CITIBANK LOWERED MY CREDIT LIMIT TO APPROX. {$590.00} AND USED MY {$1000.00} TOWARDS PAYING THE PRINCIPAL OWED!!! 

THE PHONE CALL WITH THE AGENT CLEARLY SAYS I WAS PAYING THAT MONEY TO USE FOR A RENTAL CAR & MY STATEMENTS PROVE THEY USED THE AUTO PAY FROM MY BANK ACCOUNT IN ADDITION TO FRAUDULENTLY EATING UP THE {$1000.00} I DESPERATELY NEEDED IN ORDER TO GET WORK DURING THIS PANDEMIC. 

I CALLED 5 TIMES, EACH AGENT TELLING ME MY ACCOUNT SHOWED I WAS GETTING THE {$1000.00} REFUNDED TO ME AND A WEEK LATER THE AGENT SAID THEY REVERSED THEIR DECISION & I WOULD NOT GET THE {$1000.00} BACK!!! CITIBANK USED DECEITFUL BUSINESS TACTICS BY UTILIZING MY {$1000.00} FOR THE WRONG REASONS. I WOULD NEVER PAY MY LAST DOLLAR TOWARDS A CREDIT CARD BILL & ESPECIALLY DURING THIS PANDEMIC. 

PLEASE HELP ME GET MY {$1000.00} BACK. I DO NOT DISPUTE THE LOWERING OF MY CREDIT LIMIT, I AM DISPUTING THE TIMING OF IT. THEY STOLE MY .

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 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was scammed when I was trying to sublet my apartment. The scammer sent me a cashiers check for more than the rent. After I deposited the check, I sent them the difference of two via XXXX. Then the check I deposited turned out to be fake. I contacted Chase to try to undo the transaction and they said there was nothing they could do because I initiated the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25 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: NC

Complaint narrative:
I have been contacting the credit bureaus ( Equifax, XXXX & Transunion ) to have information removed that does not belong to me. After the disputes, they return a message that states they have verified the information belongs to me. This can't possibly be the case since they do not belong to me. How do I get this information disputes correctly with true results?

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 2020-06-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all above accounts

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 2020-06-25 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: IL

Complaint narrative:
I had 4 loans that was in default and showed as default with the US Department of Education on all 3 credit bureaus ( XXXX, XXXX, Transunion ). Please note that these loans was consolidated into one loan with XXXX XXXX, under account number 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 2020-06-25 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:
I had 4 loans that was in default and showed as default with the US Department of Education on all 3 credit bureaus ( Equifax, XXXX, XXXX ). Please note that these loans was consolidated into one loan with XXXX XXXX, under account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: NC

Complaint narrative:
I have been contacting the credit bureaus ( XXXX, XXXX  & Transunion ) to have information removed that does not belong to me. After the disputes, they return a message that states they have verified the information belongs to me. This can't possibly be the case since they do not belong to me. How do I get this information disputes correctly with true results?

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 2020-06-25 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: NC

Complaint narrative:
I have been contacting the credit bureaus ( Equifax, XXXX  & XXXX  ) to  have information removed that does not belong to me. After the disputes, they return a message that states they have verified the information belongs to me. This can't possibly be the case since they do not belong to me. How do I get this information disputes correctly with true results?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Potentially Negative show tooltip button XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX/XXXX  XXXXDispute XXXX XXXXDispute XXXX/XXXXDispute XXXX   XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX  all the above account were filed to the ftc

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 2020-06-25 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: IL

Complaint narrative:
I had 4 loans that was in default with the US Department of Education that appeared on my Transunion credit report. Please note that these loans was consolidated into one loan through XXXX XXXX, under account number 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 2020-06-25 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: CASHCALL, INC.
State: CA

Complaint narrative:
I took out a loan from CashCall in 2016 at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from CashCall was originally {$2600.00} at 135 % APR so 21 payments a total of {$6100.00}. CashCall states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. CashCall sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that CashCall demanded. I sent the payment on XX/XX/2016. as of today XX/XX/2016, CashCall has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I banked with Wells Fargo in 2019. I was notified by the Pennsylvania Department Of Transportation that a check for vehicle registration was fraudulent sent to them in my name. I purchased a vehicle from XXXX   XXXX  in XX/XX/2019. I provided XXXX XXXX with a deposit of {$5000.00} for the vehicle which the salesman XXXX explained to me covered the vehicle registration. XXXX XXXX asked me for my banking info on a piece of paper that verifies your information. I never at any time gave XXXX XXXX consent to add my checking and routing number to a cashiers check to submit to the State of Pennsylvania. The fraudulent check then bounced because I gave XXXX XXXX all my funds for a deposit. Now the State of Pennsylvania is stating I owe them over {$1000.00} or my license and vehicle registration will be suspended. This was done fraudulently without my knowledge and or consent. I was advised to take this issue up with Wells Fargo. I tried to do so via their customer service line to no avail.

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 2020-06-25 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: NJ

Complaint narrative:
I had these on my credit for several years and months. I never knew I could dispute because the creditors told me legally Im responsible. Now I know this isnt true these are not mines please delete XXXX XXXX XXXX Update My Account Action Sent XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX - ALL XX/XX/20 XXXX  XXXX XXXX - CREDIT CARDS I was a victum of XXXX and was XXXX XXXX I was on the XXXX  for 3 days. I sufferd and the car company never honored to update my account from late. I was not late I was XXXX. Please help me. I need to get all my affairs in order

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 2020-06-25 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: OK

Complaint narrative:
There has been a derogatory remark on my account in credit reporting agency like experian, XXXX  and XXXX. The truth of the fact is I did borrow money from the department that reported that. I am a XXXX XXXX and I have a GI Bill to use while I was going to school in New York. According to VA they claimed they have overpaid my book stupends by {$120.00}. This is their own negligent if they have overpaid and should not be tempering with my hard earned credit. My credit is valuable to me so I make timely payments on all my debts. I have contacted the credit reporting agencies about inaccuracy of their data because they indicated I have four months missed payment but in their comment box they stating I am infected by natural disaster. Well, I am from New York so I am affected by COVID19 during those times missed payments was noted. This sound like a conspiracy to destroy my credit. {$120.00} can not destroy someone who have over {$300000.00} debt but make my payments on time. Why would you report 4 months missed payment on the account which was just reported on XX/XX/XXXX to your agency. If VA would not find competent people to work for them, they would call me to notify me instead or mailing they claimed they did but I never received any mails from them. Post office was shut down and mails was taking longer to reach us during pandemic and up till this time it is still slow. This is an incompetent debt collector because every debt collector will call.the consumer. I will attach the mail I received on XX/XX/XXXX dated XX/XX/XXXX about them reporting above amount to credit reporting agency. My issue is why would they note 4 months missed payments but I am affected with natural disaster right. Stop tempering with consumers credit score because it is making living hard. One could loose their job because those little mistakes you do.

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 2020-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I have been a customer of Citibank since 1989. I am eligible for a PPP loan of around $ 17K. It is a very small amount compared to most of the other loans that have been given out. My credit union is small and is not registered with SBA. On XX/XX/XXXX or XX/XX/XXXX I logged in on Citibank 's website and put my email address in the form they provided to sign up for PPP. I never heard back from them and their website now says they are not accepting any more applications, probably has said this for a while now. In XXXX ( not sure of the date ) I logged in and went to their chat feature under support. I asked the person responding about my chances of getting a PPP loan from Citibank, and the guy ( I think his name was XXXX ) told me that I would not be receiving anything because Citibank was only giving out loans to their biggest clients who had current or recent loans. They should have a transcript of this chat. I gave up on PPP then  but now that I see many others are complaining and Citibank is saying those complaints aren't true, I wanted to add my voice to show that the complaints are true. Citibank should apologize and start helping people. They should be ashamed of themselves.

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is a fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : 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 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank ( XXXX  ) credit card during pandemic. I have attempted to make contact with Citi Bank as I was effected financially by the pandemic. I attempted to lower my interest rate. Was told no. Attempted to get payment assistance. Was told no. Requested a waiver of late fees. Was told no. Instead the interest rate has compounded and the balance has sky rocketed!

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 2020-06-25 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: NJ

Complaint narrative:
I had these on my credit for several years and months. I never knew I could dispute because the creditors told me legally Im responsible. Now I know this isnt true these are not mines please delete XXXX XXXX XXXX Update My Account Action Sent XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX - ALL XX/XX/20 XXXX XXXX XXXX - CREDIT CARDS I was a victum of XXXX and was XXXX XXXX I was on the XXXX  for 3 days. I XXXX  and the car company never honored to update my account from late. I was not late I was XXXX. Please help me. I need to get all my affairs in order

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I took out a loan from XXXX in 2016 at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from XXXX was originally {$2600.00} at 135 % APR so 21 payments a total of {$6100.00}. XXXX states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. XXXX sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that XXXX demanded. I sent the payment on XX/XX/2016. as of today XX/XX/2016, XXXX has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.

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