vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I've reached to Nelnet because in XX/XX/2014  I feel behind in monthly payment I was high risk XXXX I had to stop working I reached out to them to stop payments and they did but I was 3 months late, they weren't able to remove the late charge as they said they were after I paid the balanced, the 3 months late in XX/XX/2014  is still damaging my credit, the reason for this is if I can get the late payment removed, I'm a first XXXX XXXX XXXX and this is damaging my credit to qualify, my account has been up to date and good payment history since XX/XX/2014,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CA

Complaint narrative:
I have file disputes with all 3 credit bureaus on XX/XX/2020. I believe this is more then enough time to answer my disputes. I understand that with Covid19 happening things might be longer but it law is 30 days regradless.

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 2020-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have file disputes with all 3 credit bureaus on XX/XX/2020. I believe this is more then enough time to answer my disputes. I understand that with Covid19 happening things might be longer but it law is 30 days regradless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank applied methods that can only be called fraudulent. They been riding me over a account opening for 2 w. 
The skinny is I don't have a account open after providing all they asked for. I believe they acted discriminatory and failed in there sop

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 2020-08-18 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my XXXX had been stolen. I got online and made an account with identity XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX XXXX {$34000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} XXXX XXXX {$34000.00} XXXX XXXX {$7700.00} XXXX XXXX XXXX {$3200.00} US DEP ED XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} US DP ED XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX  XXXX {$39000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$250.00} XXXX XXXX {$990.00}

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 2020-08-18 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:
I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX  XXXX {$39000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$250.00} XXXX XXXX {$990.00}

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 2020-08-18 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I called Chase bank, my creditor and tried to make arrangements to make my monthly payments back affordable and they said had no other options but to close the account and liquidate it on me. 
My monthly payments was hiked from {$35.00} a month to {$89.00} a month and my interest charges went from {$3.00} a month to {$60.00} a month a year later after making regular payments on time. I opened the account XX/XX/XXXX and this change took place of XX/XX/XXXX. 
That is really high. I can see if I wasn't complying with the payments every month. They just grew a arm so large on me that I didn't knew exist. Loyalty and commitment isn't considered, holding a balance for certain periods of time is a disaster waiting with them. I wasn't expecting it. Especially since I make on time payments every month with no hassle. They tell me that the interest rates expired, but they want give it to me in writing. They fail to provide the interest rate policy information in writing every time I ask for it. The information is only shared verbally. For further information please feel free to contact me. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I removed an excess payment on my XXXX XXXX XXXX XXXX of {$2800.00} via cash advance at my local Credit Union. Later I realized XXXX charged a fee of {$140.00} for me to remove the excess funds to get the balance to XXXX. I feel it is unfair to charge a customer to remove a credit balance.

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 2020-08-18 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: FL

Complaint narrative:
I have initial filed a dispute on XX/XX/2020 for inaccurate information being reported. On XX/XX/2020 I sent in another letter hoping to get acknowledge. As of today XX/XX/2020 I have not received any information regarding an investigation. It has been well over thirty days and I would like for a thorough investigation to begin immediately.

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 2020-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: MO

Complaint narrative:
Company has been repetitively calling 3 and 3 times a day almost every day. They have called 22 times in the month of XX/XX/2020 it's starting to become unbearable and it feels like harassment.

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 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I have had an account with Bluebird American Express for many years ( atleast 5 plus ). I originally opened this account when I lived in XXXX  and my name was XXXX XXXX I have married and moved to XXXX  and my married name is XXXX XXXX. I updated my information with bluebird last year. I never receive new card so i just continued to use my original card. I woke up today XX/XX/20 to an email that says my account has been locked or permanently suspended. I called customer service and they said that I have to write a letter to a PO Box address to customer care to find out why my account was closed. I had no notification prior today and I have an available balance of over {$3500.00} in my account that I am no longer able to access. I feel this is an unethical practice for me to not have access to my personal money that I have had deposited into this account via direct deposit. Customer service reps say that they are unable to tell me the reason for the account closure. They have no other means to contact other than a customer service number that routes to another country with a strong language barrier and agents reading from a script and will not answer questions, their only advice is write a letter to bluebird customer service. A letter to get my funds back from an account that was locked for no valid reasons, an Acct I have had for many years and an account that I have 2 reoccurring direct deposits routes to. I have mailed the letter with much documentation to support their is no reason for such actions on their part. I also sent in documentation of proof of my name changing when I got married. They received a copy of my marriage license, my previous social security card with my maiden name, my current social security card with my married name, my drivers license, my tax return for the last 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 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: OH

Complaint narrative:
I would like to file a complaint regarding an account TransUnion is reporting. I have requested information and validation multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/XXXX. The error is XXXX XXXX ( XXXX ). In my letter disputing this error, I told TransUnion that I challenge the accuracy and reporting of this item. TransUnion is reporting that XXXX XXXX ( XXXX ) Date of Last Activity is XX/XX/XXXX, this does not match any payment date or account change on the reported account. They are well beyond the 30 days response time to validate the accuracy of this information. Then on XX/XX/XXXX I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps " This is a stall tactic and this is almost two months past the date my letter was mailed and received by TransUnion. TransUnion can not validate this item but is stalling to remove it as they should have done already per the Fair Credit Reporting Act. As I stated I would in my initial letter to TransUnion, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached as evidence, my initial letter to TransUnion, the certified mailing receipt, and my CFPB complaint where TransUnion tried to stall saying Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps.

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 2020-08-18 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: PA

Complaint narrative:
i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i contacted the Federal Trade Commission and filed a complaint # XXXX. The following items do not belong to me and is a result of fraud that I did not authorize ARE LISTED IN YHE pdf doc

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 2020-08-18 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: PA

Complaint narrative:
i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i contacted the Federal Trade Commission and filed a complaint # XXXX. The following items do not belong to me and is a result of fraud that I did not authorize ARE LISTED IN YHE pdf doc

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 2020-08-18 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: OK

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$36000.00} XXXX XXXX XXXX XXXX {$530.00} XXXX  XXXX {$710.00} XXXX  XXXX XXXX  XXXX {$2400.00} XXXX  XXXX XXXX {$2300.00} XXXX XXXX {$630.00} XXXX/XXXX   XXXX {$470.00} XXXX  XXXX  XXXX {$1100.00} XXXX  XXXX XXXX {$600.00} XXXX  XXXX  XXXX {$510.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$560.00} XXXX/XXXX  XXXX   XXXX {$350.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$340.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$93.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed inaccurate information with XXXX  and Experian reporting agencies on XX/XX/2020 by mail. I sent proof from bankruptcy court and also received mail with information that been claimed is mines with another person name and phone. Im contacting to get help with this matter

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 2020-08-18 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX  XXXX {$34000.00} US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$8700.00} XXXX XXXX {$34000.00} DPT EDXXXX {$7700.00} DPT EDXXXX XXXX {$3200.00} US DEP ED XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} US DP ED XXXX {$3200.00}

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 2020-08-18 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX XXXX {$34000.00} US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$8700.00} XXXX XXXX {$34000.00} DPT EDXXXX {$7700.00} DPT EDXXXX XXXX {$3200.00} US DEP ED XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} US DP ED XXXX {$3200.00}

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 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Calvary Portfolio Collections with a phone number of XXXX keeps calling me asking for " XXXX XXXX ''. I have blocked this number however ; they still continue to call me. My number has NEVER been associated with XXXX XXXX. My phone number XXXX has ALWAYS been associated with XXXX XXXX XXXX ( me ). I called the number back today XXXX and put in extension XXXX which was left on my voicemail. The persons name was XXXX. When I called back, a lady answered and it was not XXXX. I called at XXXX on XXXX XX/XX/2020. She asked if I knew XXXX and I said no to stop calling me. The history of calls is as follows : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX This is ridiculous. They are just calling anyone with the name " XXXX '' to try and reach XXXX. I am tired of the harassing calls. I am NOT XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I made a Bill Pay payment on XX/XX/XXXX via my business Chase account as I always do every month without any issues for my car payment. On XX/XX/XXXX, i get an email alert asking me to verify personal information including my DOB, complete name and address. For security purposes, i never verify any of that through any application. I called Chase myself on XX/XX/XXXX and confirmed whatever they needed. I specifically stated that i authorized the bill pay payment of {$400.00} to XXXX XXXX XXXX. They assured me that the funds would get released. Since that date, I have continued to receive the same online message telling me to validate my personal information AFTER i was told everything would be ok. Today, i called Chase again because of the continuous issue of emails. I find out today that the bill pay payment was never released and has been under review since XX/XX/XXXX. I spent 3 hrs on the phone and was transferred to Fraud Dept, Online support, you name it! No one can help because this issue does not belong to any of them as i was told. I was hung up on even after requesting a higher person in charge due to the incompetency of everyone wanting to transfer me to other people that are not able to release my bill pay payment. I have vaildated my information and transactions over and over! I need this to stop happening and have the check released to my lien holder! They are putting me at risk of having my credit affected due to no error of mine. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020, 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation