vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: CA

Complaint narrative:
I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Due to Corvid-19, my XXXX XXXX is literally shot down, I'm not making any money to pay my bills. I had called one of my credit cards today HSBC to arrange a deferred payment and I was horrified that they are willing to give me a 60 days deferred payments, however they will keep charging me interest during those 60 days, I believe thats unfair to the consumer thats not at fault for not being able to pay, how can you do that to a consumer mostly with the outstanding credit like myself, thats totally unfair and inhuman to do that. I have a XXXX XXXX credit card and they deferred payments for 90 days, waiving all the late fees and interest for the 90 days, so how can HSBC bank be so unfair. 
Hopefully there is something you can do to help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2020, I was alerted to a change in my credit score. I saw Capital One checked my credit report, without me contacting them prior. On XX/XX/2020, I called the company 's ' support line ; however, the company would not accept my calls, since I wasn't a customer. Basically, all options from the robotic call center were for customers, and I could not get in contact with anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I attempted to cancel my auto pay option online for my Macy 's credit card. The option to cancel was denied with the message that payment was in process. I then called the customer service number only to get an automated message that there were no agents available and directing my back to the store website. On XX/XX/XXXX, I again attempted to cancel the auto-pay option online with the same denial message given. 
My bank is unable to cancel the auto-pay as well. we have lost half our income due to the Covid-19 outbreak. Macy 's is only adding to the stress. 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 non-monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I would like to attach letter I have written to Experian on XXXX in regarding in the letter written to them. 

Also in trying to communicate with any of the big three : Experian, XXXX and XXXX  are very difficult to get in contact with be it by phone ( they don't answer the phone as a rule ), or by mail, as they don't like to reply even if you send them certified mail. 

They could really care less about the general public, and have been given the green light to slander and defame anyone they chose with NO accountability to anyone. 

If you do go through what ever to try to correct or to update your file as they have it, they will insist you spend hundreds of dollars again and again to join whatever service they might have, to correct what they have published that is incorrect. 

LIKE IT WAS MY FAULT THAT THEY ARE PUBLISHING INCORRECT ITEMS.

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 2020-03-30 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: CA

Complaint narrative:
I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments

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 2020-03-30 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: CA

Complaint narrative:
I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments

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 2020-03-30 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:
Fraud account showing up on my experian 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 non-monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I signed up for a Best Buy credit card ( through Citi ) in-store in XX/XX/2018. I signed up for the card to save 10 % on a purchase, so when I returned that entire purchase ( defective product ) there was no longer a need for the card. I had to wait for weeks to call due to initial setup, etc. I finally got a hold of the customer service and had them cancel the card. However, I noticed I kept receiving card-holder offers in the mail, indicating the card hadn't been closed. I called back and ... closed the account again. Same thing happened again. Now, for months ( since last XXXX ), I've been trying to get a hold of them to close my account. I call all the time, and every single time I call I get to the point where I'm supposed to get somebody on the phone to cancel the account, wait for 10-15 minutes, and then when it sounds like somebody has just begun to pick up the phone, it hangs up. I'm unable to access the account online. I don't have a physical card. I don't have any way of getting them to close the account. 

This is fraud and I would like to press charges against Best Buy, if possible. I'm willing to pay thousands of dollars to pay for attorney fees to get this going, if somebody can point me in the right direction. I've tried contacting the FBI 's fraud division, but they sent me to CFPB.

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 2020-03-30 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:
Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
A short time ago, Governer XXXX of NY said that Mortgage payments can be deferred due to hardship caused by the Corona Virus. I am a XXXX XXXX XXXX that is being affected. I called PNC Mortgage and they are not honoring what Gov XXXX had put in place. I was treated like a delinquent payer and was said I could defer for 3 months and would have to pay the full amount back in XXXX. Does that make sense? If no money is coming in during XXXX, XXXX and XXXX ... How can you pay it all in XXXX? Other banks are allowing you to defer to the end of the mortgage. This is awful. I had spoken to XXXX in collections in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 I canceled a subscription with XXXX for a recurring gold 6 month subscription for {$69.00}. I noticed where my checking account with Regions had been debited for {$69.00} on XX/XX/2020. I reached out to the merchant the morning of XX/XX/XXXX approximately XXXX ( company website stated it was open 24 hrs/ 7 days a week, however company is not ) and spoke to XXXX and asked why my account was debited when the subscription was canceled on XX/XX/2020. XXXX stated that the subscription was canceled on XX/XX/XXXX @ XXXX, Canceled by the company XX/XX/XXXX @ XXXX, and Renewed on XX/XX/XXXX @ XXXX. I explained to XXXX that I had not renewed this account. I asked to speak to a manager, and spoke with XXXX who stated the billing dept will contact me within 24-48hrs, which they never did. I contacted my bank Regions on XX/XX/2020 to dispute the transaction. The bank policy is the transaction can not be disputed until it actually post to my account, which it actually posted on the XX/XX/XXXX. I was given a claim # and proceeded to wait for my back to contact me. On Friday XX/XX/2020 I made a appointment to meet with someone from the bank to discuss my account and I was told I could be assisted without coming into the branch by phone. I do not have the name of the person I spoke with, but I provided them with the information above and was told this information would be added to my claim. On today I made a appointment again to meet with a branch representative to discuss my claim again only to be told my claim had been denied because there was no proof of cancellation. I told the pweson I spoke with that I did not have a confirmation number, but did have a screenshot from my phone stating the transaction had been cancelled. She provided me with a email address and stated she would submit the information and request the case be back open. At this point I am very disappointed with the level of customer service I have received from Regions. Even after contacting the merchant and contacting my bank for assistance I am still out of {$69.00}. I am not satisfied and want assistance with resolving this issue asap.

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 2020-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was browsing the XXXX  online site and was invited to apply for a XXXX Credit Card. The site assured me that there would be no hard inquiry on my credit report and that I should apply for the pre-approval and if approved then for the credit card. Upon application that I only submitted because I was assured there would be no hard inquiry, I was pre-approved for the card and then clicked the final link for the card and was then denied. My XXXX credit report now shows a hard inquiry on XX/XX/2020 by XXXX Comenity Bank. I have filed a dispute with XXXX. XXXX Comenity  Bank was deceptive in awarding the pre-approval which should have been assurance of approval for the card. I am not in need of the card per se and can shop elsewhere, but the deceptive invite to apply for the card after being pre-approved and then submitting the hard inquiry is problematic. I did not agree for a credit check or was deceptively enticed into the application with assurances of no hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
On XX/XX/2020, I was alerted to a change in my credit score. I saw Santander Consumer USA, via XXXX, checked my credit report, without me contacting them prior. On XX/XX/2020, I called the company 's ' support line ; however, the company would not accept my calls, since I wasn't a customer. Basically, all options from the robotic call center were for customers, and I could not get in contact with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: IL

Complaint narrative:
Hello, I have a Discover Credit Card. I made a payment from my XXXX XXXX account for {$500.00} in XXXX of XXXX. I have used this account in the past with success. I initiated it through Discover 's mobile app. By the end of the month, the payment never reflected in my balance, but instead there was two " Returned Payment '' Fees. The money was for sure taken out of my XXXX account and never returned, and to this day Discover claims that I did not have sufficient funds ever. 

I opened a dispute with Discover and filled out their standard documents asking account numbers and explanation. I also provided them with multiple bank statements showing it left my account and never returned ( attached here also ). I did this for my XXXX statement for when the payment was initiated, but also, all the way up to XX/XX/XXXX. There was never a returned payment of {$500.00}. 

Eventually they closed my dispute for " not providing sufficient documentation '' even after posting all my statements and filling out their documents. This was late in late XXXX. I continued to call and they requested personalized letters from my bank to say that my payment cleared - but XXXX does not make personalized letters. I got to Discover 's payment department only twice since opening the dispute, and when they get to a point where I point on their balances, they say that they " need to look into it ''. They have hung up on me twice after I clarify that they've been there for months. 

As of XXXX, I called recently and they said " this is a XXXX case, and it is closed indefinitely. '' It seems that everyone I talk to now has no urgency whatsoever. I have thorough case notes on this Discover dispute that express I should be handed over to the payment department or manager immediately, but everyone has to start from the beginning each time I call and it's been no help. It feels like they are doing almost no investigation work since it seems each agent is stunned that there's tons of documentation despite the case being closed due to " insufficient documentation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: FL

Complaint narrative:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX XXXX  company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudelant charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX  XXXX  I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX  promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: FL

Complaint narrative:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX XXXX  company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudelant charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX  promised.

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a recent victim of XXXX XXXX. I am a consumer in pursuant of 15 USC 1692-A3. Experian, XXXX and XXXX  are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2020-03-30 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 collection bill was sent to an address I have never lived at. It was for something I had never received nor signed up for. When I called the debt collector on the bill XXXX XXXX XXXX ( XXXX XXXX XXXX is the name on the credit report ) all they would tell me is that it was for magazines through XXXX XXXX and that I needed to pay the {$910.00}. I told them I never received any magazines and never signed up for any, and in fact I never even saw a bill for any until this one, that my mother received at her new home which I never lived in ( not to mention I haven't lived in the city they sent it to in over ten years ) and that this was a scam. The Collection agent told me it was a not scam and that it is on my credit and it has to be paid. I can't fathom paying something I have nothing to do with. This is a SCAM, it is FRAUD. They should not be able to do this to people. They have provided zero proof that I ever was involved in whatever fabrication is being made up. At this time I don't know if I need to get an attorney or what the next steps should be to get this removed from my credit, because I refuse to pay something that is fraudulent. 

I disputed with Experian, they said they investigated and it remains but provided no proof or details on what the investigation entailed. They said I can file a complaint with this agency as my next step. I am asking for guidance and help to overcome the fraud being manipulated on me and my family.

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I pay the car loan but it still showing repossessed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MS

Complaint narrative:
I received a letter from PHEAA/Department of Education that I needed to wait 4 weeks before filing my taxes to ensure that the tax offset would be removed. I waited 6 weeks my taxes were still offset their office informed me that it was removed however the Bureau of Fiscal Services said it was not because it is electronic and the system updates every 24 hours. I believe that they never removed the offset and are refusing to take ownership that they made a mistake causing me significant financial difficulty. Even when I informed them that the offset wasn't removed they did not follow up or resubmit the request. Something needs to be done because this is not my fault and I'm paying the price.

Company response to consumer: Closed with explanation