vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pavilion Payments US BuyerCo, LLC
State: GA

Complaint narrative:
States returned check as account type, I have not used checks nor had a returned check in the amount of {$80.00} or any amount. Asked Global Payments Check to show proof of debt and identity they have not responded and it has been 60+ days. Please assist with removing this from all 3 credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion 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 2020-08-13 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I set up auto-pay for my credit card in Bank of America, the payment option is '' amount due '' in XX/XX/2019, the BOA only charges me the minimum payment {$25.00}, so now it charged me a lot of interest fee ( over {$100.00} ), I tried to call the bank to see what happened, they told me " amount due '' is minimum payment, I should choose " account balance " if I want to pay full amount due. But I double check the payment option in my online banking, there are some options, " amount due '', " minimum amount due '' " account balance '', " fix amount '', I don't think the " account balance '' means statement balance, and anyway, " amount due '' and " minimum amount due '' is confused to customer easily, until now, I don't think I chose the wrong option, " amount due '' means full amount based on public understanding. but the bank said nothing can do to 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 2020-08-13 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: CA

Complaint narrative:
I have filed disputes letter to all 3 credit bureaus on XX/XX/2020. I am aware they have 30 days to reply to my disputes it has been well over the 30 days. please help in 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 2020-08-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have filed disputes letter to all 3 credit bureaus on XX/XX/2020. I am aware they have 30 days to reply to my disputes it has been well over the 30 days. please help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had this Citibank credit card since XX/XX/XXXX. 

In XX/XX/XXXX Citibank raised the limit on my card from {$10000.00} to {$14000.00}. 

As of XX/XX/XXXX, the balance on that Citi card account was {$13000.00} To improve my credit score and eliminate revolving debt, I recently took a significant amount of savings and paid off or paid down all my credit cards with balances. 

On XX/XX/XXXX I paid {$10000.00} ( over 70 % of the balance ) to this Citi card account. 

The paydown on the account immediately triggered what the company calls a " periodic review '' of the account, and the limit on the card was slashed by {$10000.00} ( the same 70 % that had been PAID ) when the statement for the account closed a few days later on XX/XX/XXXX. 

The new limit is {$3400.00} and with the interest charged to the account at the end of the billing cycle, the card is now OVER LIMIT instead of having more than 70 % of the limit available. 

This is a predatory practice to justify higher interest rates and to prevent consumers from improving their credit score by paying down their balances. 

The company claims that the review of the account is " random '', but the timing, so close to the large payment is highly suspicious. Previous reviews of the account have appeared to occur on an annual basis in XXXX, the month the account was originally opened. 

They cited credit bureau information of accounts with " balances too close to the limit '', which I was addressing by paying such a significant amount to the account -- a situation they have ensured will continue on this account by their direct and intentional action of lowering the limit down to the new 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 2020-08-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been sending certified letters to Comenity Bank/Victoria Secret, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, XXXX, XXXX or XXXX  have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 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:
I sent Experian a complaint yesterday ( XX/XX/2020 ) and they responded today stating they took no action because they believe the complaint didn't come directly from me the disputing consumer personally. This is not acceptable and a deliberate delay tactic to stall from deleting the fraudulent false negative accounts on my Experian credit report. I have attached personal identification below to prove this is all coming directly from me the consumer. 

If Experian believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. Otherwise delete all false accounts from my report immediately. I implore the CFPB to help hold Experian accountable and not let them delay solving the real issue here.

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 2020-08-13 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I filed a dispute on XXXX XX/XX/2020. This dispute was against Santander. I had filed the same dispute with XXXX and after they investigated they agreed to remove the negative remark from my report. XXXX and XXXX have been difficult to work with and both companies have been hard to get a hold of. This account with Santander has been paid off. I have the title of the vehicle in my possession. This account is also included in the current settlement Santander is facing. I am a father to XXXX children looking to buy our first home. These negative remarks that are not relevant or applicable are severely affecting my ability to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 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 on XXXX XX/XX/2020. This dispute was against XXXX. I had filed the same dispute with XXXX and after they investigated they agreed to remove the negative remark from my report. XXXX and Equifax have been difficult to work with and both companies have been hard to get a hold of. This account with XXXX has been paid off. I have the title of the vehicle in my possession. This account is also included in the current settlement XXXX is facing. I am a father to XXXX children looking to buy our first home. These negative remarks that are not relevant or applicable are severely affecting my ability to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
THIS IS THE SECOND TIME I HAVE HAD TO FILE A COMPLAINT AGNIST SELECT PORTFOLIO SERVICING. I HAVE BEEN TRYING TO DO A MORTAGE ASSUMPTION FOR 2 YEARS AFTER THE LAST COMPLAINT THEY DENIED THE MORTGAGE ASSUMPTION SAYING THE PROPERTY WAS NOT MY PRIMARY RESIDENCE, I APPEALED THAT DECISION AND SENT DOCEMENTATION THAT IT WAS MY PRIMARY RESIDENCE. NOW THEY ARE SAYING THAT I HAVE TO BE A SECCESSOR IN INTEREST I ALREADY OWN THE DEED BY QUIT CLAIM DEED AND I HAVE LIVED ON THE PROPERTY FOR 13 YEARS AND DO ALL UPKEEP ON THE PROPERTY. I GOT THE PROPERTY AS A TRANSFER RESULTING FROM THE DEATH OF A BORROWER .I CANT GET MY OWN INSURANCE BECAUSE THE MORGATAGE IS NOT IN MY NAME AND I HAVE ESCROW PAYMENT CHECKS JUST SITTING HERE CANT GET THEM TO PUT THEM TOWARDS THE BALANCE OF THE MORGTAGE BECAUSE THE MORTAGE IS NOT IN MY NAME I CANT DO ANYTHING BE ITS NOT IN MY NAME THEY SAY I CANT BE AN SUCCESSOR IN INSTREST HOW IS THAT POSSIBLE IAM THE ONLY PERSON IN INSTREST ON THIS PROPERTY PLEASE HELP STRAIGHTEN OUT THIS MESS THIS IS THE WORST MORTAGE COMPANY EVER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a call on my Landline ( XXXX XXXX XXXX from people who said they were XXXX XXXX XXXX XXXX located in XXXX, CA. A woman stated, my computer had been compromised and the IP address is public and showing from XXXX. They ( people from XXXX ) went into my computer to show me their credentials and showed me my information including the XXXX website. They went into my XXXX account and profile including my XXXX XXXX account. I was shown state reports on my IP address and my computer which showed a public address for easy access for people ( hackers ) to get into my computer. They were going to fix my computers IP address so people would not be able to access my device. The hackers had me put my computer in airplane mode, look at the IP address,  the VPN to view this information with them. At one point, I was told to go to my internet router with my computer. These people saw my XXXX, XXXX, and XXXX XXXX information. They wrote out a computer plan of action ( see attached ) of what they well do and what my issues are. After twenty minutes on the phone they said I needed to buy XXXX {$100.00} XXXX gift cards from a local store to cover and dummy for the new IP address. Later, I was told those were not valid and I had to purchase additional cards. I purchased four {$100.00} XXXX cards from XXXX XXXX. I was told those were not valid. I went to XXXX in XXXX  and I say and alert on the XXXX. I stopped and made the necessary calls and filed a police report with the XXXX PD with Officer XXXX. 

Every agency has been informed ; the three credit bureaus ( freezes, alerts, identify thief ), account numbers and banks changed, new credit cards, XXXX membership, letters, calls etc. Additionally, on the same day and ONLINE, the hackers used my email and IP addresses to purchase a XXXX gift card for {$100.00} which Capital One approved. Before the {$100.00} XXXX gift card was approved the hackers attempted to purchase five {$100.00} cards from XXXX that were denied because the identity could not be verified as shared by a XXXX Supervisor ( see agents statement/Walmart account ). 

My past spending history, Capital One monitored and would stop my purchases to verify my identity. Lastly, Capital One should have stopped these purchases due to my past and present spending patterns and they are holding me accountable to the fraud and scam which were made under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charge

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 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
My cash app was cleaned out XXXX and I was sleep when it happened. Somebody hacked into my account and made it look like I sent it. And when I contacted cash app about it. They responding to a few emails and then stopped responding and just kept sending an email saying they cant refund the money. I sent screenshots of what happened. And on the transactions you cant request a refund as they told me to do. When I click request refund it says contact cash app support. They said they were going to investigate and just never responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CA

Complaint narrative:
I was denied for a credit card from XXXX XXXX  ( I've also received the same information from the Social Security Administration when trying to set up an online account. According to the SSA they use Experian to verify identity when someone is trying to set up a new account ) and only reason stated on the letter of denial was that Experian had and alert on my credit report file instructing lenders to contact me prior to extending credit. I followed up with Experian which is very difficult to do since they make it as hard as possible to get to live person. Once you reach a live person they are in the wrong department to help and they disconnect you when transferring to the correct department.

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 2020-08-13 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: MI

Complaint narrative:
I received my Home Depot statement dated XX/XX/XXXX. I noticed 8 unpaid invoices in total amount of {$230.00}. I also noticed 2 unapplied payments dated XX/XX/XXXX in total amount of {$300.00}. My account activity page shows {$130.00} past due for 60-89 days. I called customer service on XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve issue. I was not even listened to. I was told that Home Depot did NOT know how to apply my payments, therefore I am late. This is unacceptable. I paid MORE than the total amount due. Received 2 late payment fees and was reported 60 and 90 days late to credit reporting bureaus. Standard accounting procedures dictate that the oldest invoice/charge be credited when payment is applied. Only Home Depot DOES NOT FOLLOW this procedure. I was told I need to sign a form allowing them to make this change for me. XXXX and XXXX DO NOT APPLY payments this way

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/20 Transunion removed an account from my report that was not mine. That account was also sold to a collection company XXXX XXXX. I have submitted 4 times for this collection to be removed also, but Transunion never does it. It is in violation of the FCRA to have a collection account report when the original creditor has been removed. I don't know how else to resolve this. Please 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 2020-08-13 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:
I am a victim of identity theft and did not make the charge

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 2020-08-13 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CA

Complaint narrative:
I am a victim of identity theft

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