vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 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 purchase my first home and I decided to go through a first-time homeowner 's 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. 

XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX  XXXX {$300.00}

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 2020-03-26 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 purchase my first home and I decided to go through a first-time homeowner 's 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. 

XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX  XXXX {$300.00}

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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent multiple request to all Experian and XXXX  regarding the removal of addresses that do not belong to me, I have asked them to refer to my Drivers license as well as my local XXXX bill in order to request that all addresses that do not belong to me be removed and permanently deleted from my report. They continue to answer that creditor ( unverified creditors at that ) are reporting this address and thus the will not remove it. How is it possible that an unverified creditor be reporting an address on my report, isn't that a direct violation of my civil rights under the FCRA? Why are credit bureaus allowed to electronically receive this information without proper verification and why are those unverified accounts still there? Who will hold bureaus accountable for their errors? Their loyalty seems to be geared more towards the creditor than towards the consumer and that isn't fair at all.

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 2020-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
BBVA ( formerly BBVA Compass Bank ) has repeatedly put longer holds on cashier 's checks and outgoing wires from my checking accounts at the bank than what they told me the period would be. BBVA told me that I would have a 5 business day hold on a {$55000.00} third party check when I deposited it on a Friday and the following Friday they told me it would be another 4 days hold for no reason. BBVA has also refused to put a block on ACH payments over {$5000.00} from my business account as instructed over the phone today, XX/XX/2020. I also requested that BBVA order cash in the amount of {$50000.00} so I can have it from my checking account and I was told that they will not give me cash, only a cashier 's check or do an outgoing wire. I have the right to order my funds dispersed in any legal tender and physical Federal Reserve Notes, or cash, is legal tender. BBVA has continuously violated banking laws and abused my consumer rights to manage my own funds in any legal manner I choose. This is an ongoing practice. BBVA also allowed a convicted felon to withdraw {$20000.00} of my money that was stolen from a branch in XXXX, Alabama years ago while the man was still in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WA

Complaint narrative:
I was laid off work, due to Washington state mandatory office closure for the corona virus, on Wed XX/XX/XXXX. On Thursday XX/XX/XXXX, from AES, I received an autmated email stating to go to StudentAid.gov and apply for Income Based Repayment plan, which I did. It also stated if I have any questions, several ways were listed on how to contact them. I tried them all. I went to the app and tried using online tools to defer, but a pop up stated it was unavailable and needed to call. I called, and the message said the office was shut down, no way to leave a message. I tried their website, also ran into the same issues. I tried to email, but a pop up stated it was also not available. ( AES does not have an email address listed, you have to email them through their app or website ). I tried live chat, it stated no one was available. Finally I went to their social media site, and saw that I was not alone. Hundreds of comments were showing that they too could not get a hold of AES, and were getting no responses. I left a comment, and was told to message them through XXXX XXXX. On XXXX, I was told " I reached out to my team to assist in requesting a deferral on payments in response to the corona virus directly impacting you. ", and " I'll keep tabs on your request to see when our team is able to reach this '', and " Still available on Social! ... .Message here if you need anything. '' Fri XX/XX/XXXX, I checked up via XXXX XXXX  to see if they recieved/reviewd my application, since I had to file for deferment for my other student loan ( XXXX ) through the same website, and wanted to make sure it was done correctly ( There was no place to specify what loans I was applying for deferment, I am assuming because it addressed all. Yet from XXXX, I got quick responses same day and follow up emails and calls answered in under 10 minutes. My deferment was just approved yesterday with XXXX. ). From AES-No replies AT ALL. I tried again XX/XX/XXXX Sunday, on Monday, and Tuesday. No replies. I can see that my messages were " read '' by AES, but no one is responding!!! Then I was billed my full amount, debited right from my Checking account yesterday. I again tried all the ways to contact them listed above, and finally an email was able to be sent, I received an auto reply saying my Deferment question was received, and they'll get back to me asap. I am very frustrated at this point. I have no income at the moment and they are not helping me during these financially difficult times. I have been a customer of AES since 2005, never missed a payment, and have even paid extra on occasion. I am very upset with how they are handling the national crisis. People are struggling, yet they are making themselves unavailable to their clients.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
The interest rates of the following credit cards are just ridiculous and should be looked upon by Agencies like you. These Companies are practicing USURY. Imagine almost 50 % of what you're paying goes to interest charges alone. With the gov't providing stimulus package to these Companies they should help low income people on their bills by at least reducing the APR, some are charging 22 % others 24 % on purchases and cash advances. These are ridiculous when the Fed has cut the Fed rates at its lowest level. I called each one of them to reduce my APR and they just shunned on me! What if I don't pay them, do they prefer that than help me by reducing interest rates? 
Credit Card Co : Capital One, XXXX XXXX  XXXX, XXXX XXXX, XXXX Card, XXXX XXXXl Credit, Retail Stores : XXXX XXXX and XXXX  You CFPB are too much on Fair and Responsible Lending XXXX, but not going through where the big issues are ... the Interest Rates that these greedy Credit Card Companies/ Retail Store Cards are charging. These are the ones to be looked upon with more scrutiny. Not the Math Models that you develop and ask banks to provide on FRL issues, which are XXXX anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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 — Problem with personal statement of dispute
Company: ONEMAIN FINANCE CORPORATION
State: TX

Complaint narrative:
This company, One Main Financial is reporting inaccurate information to the credit reporting agencies. I asked them to investigate and send me proof in accordance of the FCBA I asked them to show me proof of what they are reporting, a signed contract, statements and a detailed billing histories. I sent the first validation request on XX/XX/XXXX and they did not respond at all. I sent another validation demand on XX/XX/XXXX and got a letter from them stating that they believe the reporting is accurate and will not investigate it any longer without sending me any of the proof that is required by Federal Law including a contract, statement or detailed billing history. So, I sent them another demand on XX/XX/XXXX asking them for their response but letting them know I wanted proof in accordance with the FCBA of their  reporting of this account and again asked for a contract, statements or a detailed billing history. They did not respond within 45 days of that letter and continue to report inaccurate information on my credit report. The date open is different on all three bureaus, the date last reported is different on all three bureaus, the date of last activity is inaccurate and completely different on all three bureaus, The payment history is different on all three bureaus. On XX/XX/XXXX I sent them another letter demanding the account be deleted because they did not comply with the Federal Law ( FCBA ) by not sending the required documentation by law, the contract, statements or detailed billing histories and they STILL are reporting inaccurate and incomplete information that can not be verified. I would them to comply with the Federal Law which they have not several times otherwise delete this erroneous information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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 informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I do not know anything about the items. Please remove these fraudulent accounts form my credit file immediately. 

XXXX  XXXX  {$170.00} XXXX  XXXX  XXXX   {$4900.00} XXXX  XXXX {$760.00} XXXX  XXXX  XXXX   XXXX  {$4600.00} XXXX XXXX  XXXX  {$51.00}

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 2020-03-26 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 informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I do not know anything about the items. Please remove these fraudulent accounts form my credit file immediately. 

XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$4900.00} XXXX  XXXX {$760.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX  XXXX  XXXX {$51.00}

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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent multiple request to all XXXX  and Equifax regarding the removal of addresses that do not belong to me, I have asked them to refer to my Drivers license as well as my local XXXX bill in order to request that all addresses that do not belong to me be removed and permanently deleted from my report. They continue to answer that creditor ( unverified creditors at that ) are reporting this address and thus the will not remove it. How is it possible that an unverified creditor be reporting an address on my report, isn't that a direct violation of my civil rights under the FCRA? Why are credit bureaus allowed to electronically receive this information without proper verification and why are those unverified accounts still there? Who will hold bureaus accountable for their errors? Their loyalty seems to be geared more towards the creditor than towards the consumer and that isn't fair at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
In XXXX of XXXX my wife and I contacted Bayview Loan Servicing for a loan modification to our loan payments. That request was denied in XXXX of XXXX stating that our debt to income ratio was to high. 

However Bayview instituted a repayment plan that went into affect in XXXX of XXXX which increased our monthly payment from {$1500.00} per month to {$1900.00} Due to my wife 's illness and diagnosis which began in XXXX and stills continues to now I contacted them in XXXX of XXXX to get some relief with our mortgage payment and they agreed to a one-time payment of {$1700.00}. 

I contacted them today, XX/XX/XXXX for some help and was told that there was nothing that they could do. If we had a COVID 19 situation, they would consider a ( 3 ) month forebarence but after the ( 3 ) months all payments would need to be caught up. 

This company represents investors only and as far I've expericiend they have not done anything to help me and my wife,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My bankruptcy cases, I have three bankruptcy cases still showing on my Equifax, XXXX  reports, to where's transunion have removed all three cases, so my complaint is bankruptcy cases does not report monthly therefore they should not be on my report as a status, have the reporting companies investigate this as a complaint matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I placed an order to redeem my Citi Thankyou points for cash rewards. I redeemed {$1000.00} total. The Order ID for Citi is XXXX ( {$1000.00} ) and XXXX ( {$50.00} ). On XX/XX/XXXX, I received email from Citi that the reward has been shipped via USPS. However, it has been 9 days and there has been no information regarding its whereabouts. There is no tracking, no updates, nothing. USPS should have delivered the package well within 9 days. I tried calling Citi in its posted customer service number for Thank you points - XXXX XXXX XXXX XXXX. However, despite calling multiple times during business hours, the automated system says that they are closed and hung up the calls. I am very frustrated I need this money desperately during these hard times and there is absolutely no response from Citi. I fear that someone may have already intercepted the mail and cashed the checks and there is nothing Citi is doing 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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The US Small Business Administration ODA at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, made two separate unauthorized inquiries on XX/XX/2020 and XX/XX/2020 subsequent to me seeking emergency relief via the SBA Economic Injury due to SBA Disaster Loan Assistance website portal related to the COVID-19 pandemic and Excessive Flooding ( " XXXX - SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING '' ) in the Mississippi XXXX as a direct response to the declared state of emergencies both Nationwide by the POTUS as well as Statewide by the Governor. Two Economic Injury and Financial Impact requests for assistance were sent to the SBA per the Declarations of Disaster made by Donald J. Trump, President of the United States of America and XXXX XXXX, Governor of the State of Mississippi. 

These SBA generated " hard pulls '' should never have been allowed to effect my credit scores, given the fact that the SBA ODA applications for Economic and Financial Impact relief were in direct response to the Declarations and the request of both the President of the United States and the Governor of Mississippi to file the relief papers with SBA ODA.

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 2020-03-26 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 did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
For 3 months since XXXX my minimum payment has not been reported correctly through the app, resulting in late fees each month. I have paid the more than the minimum payment listed every time, but somehow less than the actual minimum payment required to not get a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX XXXX Monthly Payments XXXX XXXX XXXX XXXX  XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX XXXX  Monthly Payments XXXX XXXX XXXX XXXX   XX/XX/2019 XX/XX/2019 XXXX XXXX Monthly Payments XXXX/XXXX  XX/XX/201XXXX XXXX XXXX  Monthly Payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The credit bureaus Experian and XXXX  are reporting inaccurate information on my credit file. They are reporting a late on XXXX/XXXX  for XX/XX/19. I have never been late and it needs to be removed off my credit. I didn't know this late was reporting until I checked my credit.

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 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In mid 2019 I became aware that midland funding was trying to collect a debt from me in the amount of {$3200.00}, however the debt is a result of identity theft and I sent them a debt validation letter and tried disputing the debt with them as soon as I was aware of it. I have also filed a police report regarding the identity theft/debt and have provided a copy to them. Midland Funding is currently trying to sue me in court for the full amount of {$3200.00} plus court costs. They have reported these fraud debts to the credit bureaus and they remain the only negative item on my credit reports, because I've always paid my credit cards in full every month for as long as I've had credit cards. This has stopped me from being able to purchase a home and has been negatively affecting my life. I have tried speaking to them and they continue to try collecting on this fraud debt and refuse to remove these lies from my credit report. They have not even provided me with a copy of the original contract when I requested it, and the only thing they can show me is some statements with a wrong address. I wouldn't be surprised if they were the ones who opened a fraud debt in my name and this is all part of some huge legal scam. I will be speaking with an attorney to see if I can counter sue for anything and everything if they do not dismiss this lawsuit.

Company response to consumer: Closed with non-monetary relief