vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 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: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX   violated my 609 rights by reporting incorrect information to Equifax regarding my credit profile. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, names, and employers corrected on my report as this is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX We leased from Chrysler Financial ( which was bought by TD Autofinance ) and paid off the lease to  buy the XXXX back in XXXX but it was never changed to our name ( it's still listed under Chrysler Fin'l Co LLC ) , and we never received the title. We were looking to sell the vehicle in XXXX and realized this was missing. I've been calling TDA weekly since early XXXX to get the title, a duplicate title, or maybe some kind of lean release letter I could then take to the DMV to get a clear title. I just need something to allow me to get a title so I can sell it. I have the VIN and their account number. I've even mailed them money for this release letter but still have seen nothing. I've spoken to many people who all assure me something is being done and then nothing happens. ( And, yes, I initially tried My Title Support but they refunded my money saying they couldn't do it. ) And, lately, due to Covid-19, when I call, it literally hangs up on me saying they're too busy. FYI : they also have my husband 's name incorrectly listed as XXXX XXXX. ( It is actually XXXX XXXX XXXX, XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM EXPERIAN, 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 non-monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/2020 I was charged the annual fee for my Barclay Arrival+ credit card. In light of the COVID-19 situation, a premium/travel credit card does not make much sense to have, so I wanted to downgrade to a no-annual-fee version. This is not an uncommon request that Barclays grants, sometimes with a retention bonus for downgrading instead of closing. See references : - https : XXXX - https : XXXX - https : XXXX I have called customer service many times without being able to get past the hold queue. Call log as follows : XX/XX/2020 0.5 hours XX/XX/2020 1.75 hours XX/XX/2020 2.5 hours XX/XX/2020 1.25 hours XX/XX/20202.5 hours XX/XX/2020 2.0 hours XX/XX/2020 1.75 hours XX/XX/2020 3.75 hours Simultaneously, I also submitted my request using their online portal, but the reply indicate that they were unwilling or unable to perform my request through that route.

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 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc
State: TX

Complaint narrative:
I was charged fees by XXXX XXXX XXXX for services that were not performed including cleaning and maintenance for a home I own. The work was billed but not performed. I have video by a licensed real estate agent of the condition of the home after it was " cleaned and maintenance completed '' by the claimant. The company that supposedly performed the work then sold the amount due to a debt collector, JJ Marshall & Associates. XXXX XXXX XXXX has committed fraud by charging for work they did not perform. I have contacted XXXX XXXX XXXX repeatedly and they are not responsive. I have attached pictures of after the work was supposedly performed. I also have videos but they are too large to attach.

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 2020-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION

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 2020-04-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays bank I had a refund of {$410.00} from a cancelled XXXX XXXX that went on my card and gave a credit balance. I need this money. I attempted to call in on XX/XX/20 was on hold over 1 hour. Finally sent email message that states they will respond in " 6 hours or less '' I have no response from that message. Nor the one I sent on XX/XX/20 or the one sent on XX/XX/20 which that day I also took a copy of my statement and wrote letter asking for them to please mail a check to me for the credit balance. Checked my account online today XX/XX/20 and there has been no adjustment. Also sent another email message today, XX/XX/20 With doubt that I will get any response. Thank you.

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 2020-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Net Credit added a XXXX dollar late fee to my account after i just made two payments of XXXX in XXXX, i wasn't aware of the charge in till the next month. Then they reported to the credit bureau that my account was thirty days behind. When I spoke to the customer service rep on the phone in XXXX she said nothing about a XXXX dollar late fee. As a result my credit score went down 76 points. Also the interest rate that I'm being charged is illegal in the state of south Carolina. I talked with another customer service rep on XX/XX/20 and he told me that the customer service rep should have added the XXXX dollar late fee to the two payments i had just made, and that it was Net credit fault. I called a member of management and talked with them on XX/XX/-20 about the contract and the high interest, also about the late fee, she said it was nothing she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Social Finance, Inc.
State: DC

Complaint narrative:
I opened a personal loan in the spring of XXXX for {$50000.00}. This month, I contacted SoFi seeking to refinance with a lower interest rate. 

Their online system quickly gave me several options. In order to complete my application for refinancing, I needed to establish my income for XXXX and XXXX. 

When I opened the loan I was a W-2 employee, but in XXXX XXXX, I left that company and started my own XXXX. As a result, they asked me to provide both my XXXX and my XXXX taxes in full. 

When I tried to upload those documents to their system, they where too large. The company had no other means to accept these documents. 

I pointed out that my XXXX income was established when they approved my initial applicatoin and they agreed, but they still had no means for me to send them my entire XXXX return. 

They also insisted that I complete the XXXX return -- it couldn't be in draft form. They also asked for business banks statements which I was able to upload into their system. 

Keep in mind that they were insisting that I file my taxes before the XXXX deadline. I pointed out that I owe the IRS money this year. Why would I lose 4 months of cashflow in order to save 4 months of lower interest payments? My federal tax bill exceeds the interest rate savings by thousands of dollars. 

Ultimately I told them that since they couldn't accept my tax documents anyway, even if they were completed early, I wanted to withdraw my application. I then asked them if they had placed a hard hit on my credit. 

They had. 

I asked them to contact XXXX  to suppress that credit request as I didn't want my credit score impacted. They agreed to and indicated that it would take as much as 90 days and that I needed to follow up with XXXX. 

Today SoFi told me that they " denied '' my application. How can they deny an application that I never fully completed? 

Again, I will follow up with XXXX  to be sure my credit report isn't impacted, but here 's the thing that is so stupid -- I have paid this loan on time every month. I just want a lower interest rate. And my income is greater now than it was when I applied for the loan and my credit score is actually higher. 

This makes no sense that I would be negatively impacted because they don't have a system in place to help clients like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: CA

Complaint narrative:
XXXX/XXXX XXXXXXXX XXXX - Inquiry date - XX/XX/2020 This is not my inquiry. This needs to be removed from my credit report.

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 2020-04-20 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: TN

Complaint narrative:
My credit report shows XXXX accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX  Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. XXXX has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but XXXX came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report 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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit report shows XXXX accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX  Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My  graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. XXXX has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but XXXX came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: TN

Complaint narrative:
My credit report shows XXXX accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. XXXX has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but XXXX came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report 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 2020-04-20 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: TX

Complaint narrative:
I submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XX/XX/XXXX. with no change. I recently sent another letter in XX/XX/XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XXXX with no change. I recently sent another letter in XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them 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 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: TX

Complaint narrative:
I closed on my home refinance loan with Provident Funding on XX/XX/XXXX with a funding date of XX/XX/XXXX. On XX/XX/XXXX, my loan was still not funded and I was told that it would not be funded due to my recent work furlough which occurred on XX/XX/XXXX. This loan was supposed to be funded days before I was even aware of my employment situation. My broker followed up with Provident Funding several times during the process and was very detailed on the timeline of the needed funding. When my broker followed up on XXXX to inquire ( email is attached with this communication ) as to why it had not been funded, Provident Funding explained that they had an uptick in loans and had put a certain PRIORITY on their awaiting loans. I find that to be disrespectful and unethical. WAS MY LOAN NOT A PRIORITY TO PROVIDENT FUNDING? 

The bottom line is that my loan should have been funded on the XXXX but they pushed it back in place of other loans that better fit their priorities. I had done everything asked of me from day one and my equity and assets were a solid back up for this loan. I understand that there may have been delays at the time but we received no communication from Provident, as to the timeline of funding. A couple of days is one thing but almost two weeks is another. Even though they were almost two weeks overdue, they never provided detail on a potential timeline. In the time that they were dragging their feet and putting other loans over mine, I was furloughed and lost the loan all together. 

This is obviously a huge waste of my time, money and effort during a difficult time for me and my family. Again, I did everything asked of me and my funding was delayed due to priorities of other Provident Funding loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In the beginning of XXXX my wife and I opened a Citi checking account. According to Citi they decided to close our account a few days later. Since I had no knowledge that our account is closing my direct deposit from my job got deposited in on XX/XX/XXXX. It is now XX/XX/XXXX and we do not have access to our money. The same day ( XX/XX/XXXX ) I received a letter from Citi saying that they will be closing our account due to a report from check systems which is not true. 

Either way if Citi knew the were going to close my account before my pay check hit they should have rejected the direct deposit. Now I have no access to this money that is MINE. I  have called Citi multiple times asking my direct deposit to be sent out. Citi is refusing to send me my money in a national pandemic.

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