vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: TX

Complaint narrative:
The company is Word Remit, an international remittance company, and on XX/XX/2020 about XXXX XXXX I received two ( 2 ) emails from this company informing me that my two ( 2 ) transactions for {$900.00} each were both completed, meaning the monies that i sent to the XXXX, and immediately i responded to WorldRemit that I did not authorize both the transactions. My bank where the monies were taken is XXXX XXXX XXXX, I also reported and complained immediately to XXXX XXXX XXXX  that both transactions were fraudulently made. Word Remit and its partners in the XXXX should follow strict guidelines in disbursing funds to the recipient to avoid fraud and scam. 

XXXX XXXX XXXX is still investigating my complaint. And World Remit is passing the fault on me. 

I want my funds to be returned back, a total of {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-05-15 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
How dare my bank has a horrible way of processing disputes and fraud claims they clearly dont want to do their jobs and investigate and get me my money back today I received a letter from them they gave me a provisional credit they want to reverse the credit and close my claim saying they want me to contact the merchant unbelievable what type of bank is this that doesnt handle fraud seriously they dont care about my money shameful they make the customer do the work for them Im very upset with them they lie and says zero fraud liability but when you call to report it they file a dispute and then always reverse their credit and charge me the customer so I have to pay go fraud charged because they refuse to investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: HI

Complaint narrative:
Back in XXXX of XXXX I got a car loan for XXXX XXXX XXXX XXXX, from Credit Acceptance Corp. The loan was for approximately {$11000.00}. In XXXX of XXXX I was unable to pay for the loan anymore an contacted the company explaining my situation to them. I never received a reply back from them. Then several months later I contacted them a second time telling them to please come and take the car back I still could not afford the loan any longer and haven't been driving the vehicle it remained parked at my residence. Still I never heard back from them, they continued to ignore my requests. I've contacted them on 2 more occasions the most recent being in the beginning of XXXX, nearly 3 years from the point I first contacted them telling them to come and take the car back please. And I have still heard nothing from them and the vehicle still remains parked and not being driven. Just today, XX/XX/XXXX, I was notified by my credit monitoring company that Credit Acceptance Corp has reported new information to the credit bureaus about my loan. It turns out that have now reported this loan as being " re-opened '' with them ( it has been marked as closed for the last 3 years ) and they have nearly doubled the amount they claim I owe them. It went from {$11000.00} as a balance to now {$19000.00}. I have been pleading with this company to come and take the vehicle back now for nearly 3 years and all they do is ignore me. I'm positive they are ignoring me because they're just waiting for the vehicles value to continually depreciate over time.

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 2020-05-15 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:
I was trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there were things on my credit I have never see. These items need to be removed as soon as possible. XXXX XXXX   XXXX {$79.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$59.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a MasterCard with Citi that I have held since XX/XX/2014. I have never had an issue paying the account, have not gone delinquent. I have used the card and paid as agreed for over 5 years. During XXXX, I was distracted caring for a sick family member and forgot to make the payment for early XXXX. When I logged in and saw that I was past due I immediately made the payment. They charged a late fee. Also, within the same week, they sent me a notification that my credit line was decreased. The reason the noted in the communication was that " they show I have high utilization of other credit accounts. '' I take offense to this tactic of taking adverse action on a long time customer who is in good standing. During a crisis where all institutions, including Citi, say they are here to help and this is how I am treated. My credit utilization has been the same for the recent 2-3 years and I am current on all of my credit accounts, mortgage and car loans. Nothing is past due. To impact my credit line, charge a late fee during a global pandemic is unacceptable. Also, on this account, I have not used it recently - which should be viewed as me being responsible and paying down this debt and other debts. My high utilization will be further impacted by Citi reducing my credit line, which in turn will show me at a higher credit utilization for this account and my overall credit profile in general. I think it is an unfair practice. I am requesting that Citi reverse this decision, restore my account, which is in good standing and paid current, never past due. I'd like the initial credit line to be restored and the late fee reversed.

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 2020-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fidelity National Financial, Inc
State: IL

Complaint narrative:
The company sent letters about delinquent account after approving the loan for forebearance. 

A letter was sent to us saying that immediate action will be taken if we do't pay the loan that they informed us they had placed in forbearance due to COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Date XX/XX/2020 On both my husbands account and my account the company has a XXXX balance and a XXXX amount due but both accounts show monthly payments and high balances in the past 2 years. We paid off both accounts 2-3 years ago. Spoke with the account company in question and they show as paid off. The mistake is being made by TransUnion as showing we are making monthly payments for the last 20 months on XXXX balances. I just want it taken off our accounts. After waiting over 1 1/2 to speak with someone when I asked to speak with a manager I was sent back into waiting for another assistant. Waited over another hour and hung up. These companies don't care about my credit or my husbands as I have tried online to get through to also XXXX and XXXX  and neither one can you do your info online and no live person to help when you call.

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 2020-05-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was targeted by XXXX XXXX  XXXX also known as XXXX XXXX XXXX XXXX while walking in the XXXX XXXX XXXX into purchasing products that I did not want. I used my credit card. I disputed and protested the charges with the credit card company. The charges were for {$3600.00} and {$180.00}. I origionally disputed these chares in XX/XX/XXXX. 
Since then we have been going back and forth. In XXXX, XX/XX/XXXX Chase informed me that they considered the disputed charges valid. In their letter they stated that they contacted the merchant and that the merchant provided the cancellation policy. This statement is a lie. The merchant never discussed the return policy ; furthermore the Department of State division of consumer protection states that a store, merchant, is legally required to post their refund policy. The refund policy was never posted nor was it told to me. 
In dealing with Chase on this matter ; they seem to be taking the merchants word ; not fully investigating my charges and seems to side with the merchant instead of protecting me their card holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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 was trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there were things on my credit I have never see. These items need to be removed as soon as possible. XXXX XXXX   XXXX {$79.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$59.00}

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 2020-05-15 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 was trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there were things on my credit I have never see. These items need to be removed as soon as possible. XXXX XXXX   XXXX {$79.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$59.00}

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 2020-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/2016 I had several different accounts with Bank of America that were closed. When this happened Bank of America decided to report some of these accounts to XXXX XXXX XXXX. The problem is that some of the accounts being reported on XXXX XXXX XXXX does not belong to me. Bank of America has sent me correspondence that shows how many accounts I had with them and what those account numbers are, in total it was four accounts. I then ordered and received my XXXX XXXX XXXX Report and it had conflicting information on it that did not match the correspondence sent to me by Bank of America. According to the report, there are two account numbers being reported for me that are not present in the information sent to me by Bank of America. Therefore, I am asking for Bank of America to instruct XXXX XXXX XXXX to remove those two accounts off of my 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 monetary relief
Consumer complaint received 2020-05-15 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: TX

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

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX {$500.00} XXXX  XXXX {$500.00} XXXX   XXXX XXXX  XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX XXXX {$560.00}

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 2020-05-15 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: TX

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

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX {$500.00} XXXX  XXXX {$500.00} XXXX   XXXX XXXX XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX XXXX {$560.00}

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 2020-05-15 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:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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 am a victim of identity theft, I provided proof of my identity theft, proof of my identity, police report, FTC report to Experian they have refuse to block or delete the account belong to fraud. they have not provided me with information or proof that those accounts belong to me. other bureaus like XXXX  and XXXX and XXXX deleted the information with no problem.

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 2020-05-15 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
GOLDMAN SACHS unlawfully pulled my credit with no permissible purpose. I tried resolving through the credit bureau and directly with GOLDMAN SACHS but they are ignoring my request. The solution I want is produce proof of permissible purpose by me or remove the inquiry from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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:
Ive been trying to get insurance on my vehicle for some time now. Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am contacting you in reference to USAA XXXX  who is the subject of this complaint. It is believed that USAA for a period of more than 5 years as a customer of its bank has engaged discriminatory business practices that involve the denial of credit when other credit cards companies have offered me unsecured lines of credits on the same day that I requested credit from the bank. I have in my possession a credit card that started out as a secured credit card valued at {$500.00} with another military bank which has grown to over {$10000.00} compared to USAA who has not approved an unsecured credit card while as a member. Even worse USAA is the only bank that charges me an annual fee for a secure credit card. The credit cards that I own that have that started as a secured card have been automatically been made unsecured by another military bank. While USAA has refused to approve any lending products as a member for over 5 years. I have asked on numerous occasions and even complained about their unfair business practices to their customer service team with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation