vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 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: OH

Complaint narrative:
In XXXX I ordered a free credit report from Expierian and everything was wrong ... The Name, SS number, past addresses, past employment, all wrong ... My student loan in good standing wrong. My open accounts in good standing mostly missing. There are multiple hard inquiries long expired still there ... They are reporting incorrect information to people who inquire and I have proof they keep giving XXXX XXXX the wrong score ... I can see a score of XXXX on the app but its wrong as it is and should be about XXXX points higher however they gave them a score of XXXX and thats why I was denied ... Their misinformation is affecting me buying a home and getting new lines of credit ... I went through the report and corrected each thing with pen and marker and mailed it back with a written notice that all the information was wrong and to correct it and send me a corrected copy of the report ... They have not corrected anything and its been 6 months almost ... They have made it so I cant dispute through the app and I cant get through when I call in ... Its not fair, they can see from the other 2 agencies theyre wrong ... They should have to remove all inquiries that took place this year since theyre based on a dispute they never handled and a score thats not correct since they have not updated my file and removed anything they should have removed when it was supposed to fall off ... Theyre ruining my life ...

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 2020-10-06 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: CA

Complaint narrative:
I set up a MyEquifax account long ago to freeze/unfreeze credit. Several weeks ago I tried to unfreeze my account and I couldn't access the account. I contacted customer support several times and they had to manually unfreeze the account. They kept giving me links to reset my account so I could do it myself but each time I received a message that " we are temporarily unable to complete the request. '' I tried to reset my password, and received the message : " No Account Found. '' I tried to set up a new account, and received the message, " Email already in use. '' I called again the next day, same routine, same message. And then again ... and again. Finally I demanded they resolve this, so they gave me a case number and claimed they kicked it up to the speciality department. I called back a week later, and they said nothing had changed. They told me they could not connect me to the speciality department. They sent more links to reset, same thing. Then I complained on social media and via DM an Equifax rep said someone would probably get back to me within 2 days to discuss my situation. A week later nothing. I can not understand why the company can't resolve this situation. Seems to be something is rotten in XXXX, er, at their HQ, wherever that might be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: MI

Complaint narrative:
RE : CEASE & DESIST and dispute of chase card services acct  ending in XXXX This letter is in response to the phone calls and letters I have been receiving from you.

According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location.

Further, this Chase account is not my responsibility, allow me to say that again, you are attempting to collect from me a debt I do not have any legal obligation to pay.

Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. 
Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
COMPLAINT ABOUT A FINANCIAL INSTITUTION/CREDIT CARD Issue was with the companys negligence and lack of cooperation with me resulted in failure to resolve issue with provider in XXXX. 

Providers delivery was inaccurate and unacceptable. It was an internet food order from XXXX XXXX  XXXX  Stores left outside in extreme heat without notice and no receipt. I didnt know who to contact as they said it was a third party, XXXX XXXX. 

Generally, when an issue is raised the institution will put the amount into dispute category until resolved. This was not done until XXXX. 

My experience with institutions has been that once they are billed, they have contact information. In fact, they provide telephone numbers and ask you to try to resolve. Not done. The usual process is efficient, meaning usually resolved within 30 days. Here it was 3 months after I said I would not pay. 

This was blatant neglect and passing charge on the me. It was a small amount, I could have paid it. In fact, I probably had more than that amount in points/ $ $ on their card that I left. They should not be allowed to steam roll anyone because some people would pay simply to keep it off their credit. My credit report for XXXX years never a late payment nor unpaid bill, until now XXXX {$56.00} ) amount owed. I am challenging this unfair treatment.

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 2020-10-06 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: GA

Complaint narrative:
I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that as when I learn that my identity was stolen and my name was used to create fraudulent account in my name, this report is the first step to document this incident and hopefully the start of cleaning my name. Also an FTC report was filed containing the detail of these accounts, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2020 or my company account. 
I want you to know that I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had to file for a Chapter XXXX Bankruptcy XX/XX/2020 of this year. My bankruptcy was rightfully discharged as of XX/XX/2020. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for Auto Loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.

In my heart, I know that the missed payment doesn't reflect my  creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/2020 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 

Have a blessed day!

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 2020-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The car was crashed my insurance XXXX paid {$11000.00} and the gap insurance XXXX XXXX paid the remaining balance except for {$500.00} to Capital One auto finance. It comes up on my credit report as a repossession. I had to pay higher interest rates because of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have been trying to delete and explain my case to the credit bureau for a while there trying to make me pay for a bill that was paid by XXXX and have placed it on my credit and when I try get information on this account they are very rude and tell me that XXXX paid the hospital and not them when I went to the hospital Im not understanding this at all in everybody I contact is no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Hello, Once again I am not able to make payments on-line, there is blocked access to my credit card account payments page. I am being re-directed to an email verification page. Once again I have tried to clear cache with no resolve. Getting thru to IT help is sketchy but results in a reset that works but when going in to make payment it fails again.

I have been forced to make phone payments, and unable to edit my promotional balances with on-line access blocked once the re-direct happens ( we need your email info updated ) The error I receive states " please enter a valid email address '' Last month I had it freeze after access, and no confirmation of payment so I made a phone payment to avoid late payment. Two payments were processed. 

The company response is not helping, yet my complaints get closed. I will continue to report these occurrences as a matter of record, for any future action I guess? 

Please assist in at least reporting my issue somewhere so others can see that XXXX is not the greatest at internet banking access.

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 2020-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My husband was given XXXX  orders to Florida in XX/XX/XXXX. At that time we requested a short sale and were told we were ineligible. After over a year of essentially begging for a short sale, my husband found out from the XXXX of his ship that he should be eligible due to the XX/XX/XXXX orders. With that information I reached out to your company and complained and was approved to get a short sale. The short sale was complete and I never got a breakdown of the total loss that was claimed by CitiMortgage. Additionally, there should be some responsibility of CitiMortgage for refusing the short sale for over a year in which they charged against my VA entitlement in the sum of XXXX. I would like to know exactly how they came up with this number.

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 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Dear Officer, I have been a loyal customer with Wayfair for the past three years or so. During the First year, Wayfair changed twice their business relationship with Credit Card Company that managed their  account. On XX/XX/2020, I received another communication thru XXXX XXXX  that managed Wayfair Consumer Accounts indicating that their business relationship with Wayfair has ended without any confirmation from Wayfair Corporate Office stating what happened to their loyal customers that have been affected with this closure. I am very upset of the way Wayfair treated their customers in this regards. Wayfair damaged my credit profile by closing my account without any reasons or explanation. When applying for Wayfair credit card, a hard inquiry is placed into the credit profile that lower for short period of time the credit score. So, I am extremely frustrated with mismanaging my account and  distroying the line of credit that I established for a long time with this particular Online Store. Government authority should investigate the legality of this issue since several consumers as I am are experiencing this flip flop with their financial institution and how they conduct the business without informing their clients or staff members. I can add that I have been surprised that even their staff member were not informed until our account were terminated without sending any internal memos  advising their staff that the relationship with XXXX XXXX  had been terminated and without any compensation since they damaged million consumers account credit profile. Investigation of this magnitude should be investigated. Wayfair should be out of business and reported to the Media and others government entities not trustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: GA

Complaint narrative:
transunion fail to reply to my disputes

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 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I received a notification that " XXXX/XXXX   had requested my Transunion credit report. Apparently, this was a XXXX 'XXXX  XXXX credit card, I am not even a member at XXXX XXXX XXXX so I wouldn't even have a reason to apply for their credit card. I called their customer service number, XXXX, and spoke with a representative who had no record of me ever filling out an application. Afterward, on the same day, I called Transunion for help in removing this inquiry and they said my only source of recourse was to file a consumer complaint.

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 2020-10-06 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: PA

Complaint narrative:
The car was crashed my insurance XXXX paid {$11000.00} and the gap insurance XXXX XXXX paid the remaining balance except for {$500.00} to XXXX XXXX auto finance. It comes up on my credit report as a repossession. I had to pay higher interest rates because of this information

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2020 or my company account. 
I want you to know that I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had to file for a Chapter XXXX Bankruptcy XX/XX/2020 of this year. My bankruptcy was rightfully XXXX as of XX/XX/2020. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for Auto Loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/2020 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 

Have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I applied and was approved for a new credit card account with home depot Credit Services. At the time of application they had a promotional offer of {$50.00} off purchases of {$300.00} to {$990.00} within 30 days of opening the account, in store purchase or online. I made my purchase online on XX/XX/20 for a total of {$360.00}. I called home depot credit services after my purchase and was told the credit would be applied in 2-3 billing cycles. After the 4th billing cycle I called to check status on the {$50.00} credit and was by the first rep that I did not qualify because the promotional offer is based on the 1st purchase  made on the new account, my pfirst purchase was made XX/XX/20 for {$21.00} therefore i did not qualify. Fine print of the offer does not mention this. I requested to speak to a manager her name was XXXX, and manager gave me several different excuses as to why I did not qualify. 1st purchase had to be in-store, 2nd : {$360.00} was broken down into different orders under {$300.00}, 3rd, I used a coupon for purchase. None of these fake excuses are on the fine print, Manager offered to apply {$25.00} credit but i declined as I followed the fine print of the offer as required, they should apply the full {$50.00} credit per offers terms

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 2020-10-07 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: PA

Complaint narrative:
My wallet was stolen at a Mall in XX/XX/XXXX and was never found and the thief has used my information numerous times!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TN

Complaint narrative:
I contacted Discover back in XX/XX/2020 and froze my account. I contacted them again at the beginning on XX/XX/2020 to report my card as lost or stolen. I then contacted them in mid XXXX because XXXX and XXXX XXXX charges were being billed to my account that I did not authorize. Discover told me that they could not stop recurring charges even if I did not authorize them and told me to contact the merchants. I contacted the merchants in XX/XX/2020 and they told me that they would not stop the charges since I was not on the account, even though it was my credit card being used. I contacted Discover back and they told me to dispute the charges. Discover then found in favor of XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX, I do not have a storage unit with XXXX XXXX XXXX. Before XXXX, I did let a XXXX XXXX use my card to pay for a few things, but did not authorize him to use it after XXXX. Neither Discover or XXXX XXXX did anything to help me stop the charges even though I begged them and explained the situation multiple times. In fact, I have not even activated my new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  Ca XXXX Loan no : XXXX PHH Mortgage Services have affected my credit report by reporting recent mortgage lates for XXXX and XXXX and now XXXX! This has caused significant damages for us to refinance our home and lower our payments and have the mortgage insurance removed.. We open escrow to refinance at a 2.875 % and an appraisal report has been paid however in order to close we need to receive a letter from PHH stating we were not late.

Our current loan officer has emailed them 4 times trying to  resolve this matter and also sent all necessary proof of cancelled checks all from XXXX thru XX/XX/2020 of mortgage payments. ALL paid on time. 

Please help us resolve this matter - we urgently need this done! 

We have attempted to resolve this issue 4 times without any success! Customer service keeps given the round around and impossible getting to a resolution. My husband and I are on our XXXX 's were this has cause us so much unnecessary tension and stress!

Company response to consumer: Closed with explanation