vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
When i log into Transunion, I cant get a free report without using my credit card.Also, If i want to dispute past transunion reports online, transunion dispute page says its unable to dispute at tis time.This has been going on for months.Not sure whats going on with Transunion but it seems there is a problem with there site.I can easily lg into XXXX, XXXX  and dispute trade lines with ease

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 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife contacted SunTrust bank about a possible deferment at the end of XXXX / beg of XXXX. SunTrust said they are only offering a forbearance and she declined. She tried to Make the payment on our first mortgage and it is blocked from us being able to pay. She called them multiple times over the last few weeks and has been waiting for a call back. I was able to call last week ( XXXX ) on the way home and got through. I was told that the act of us calling placed us on a forbearance. I asked to be taken off Immediately and pmts reinstated. We still arent able to make pmts. We tried calling this evening ( XX/XX/XXXX ) and at XXXX the recording states their offices are closed even though their hours are till XXXX. They state on the recording that they have 8 hour hold times and to leave your number for a call back. We just want to make a pmt on our first mortgage just like our second mortgage which is also with them.

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 2020-05-11 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: LEXISNEXIS
State: GA

Complaint narrative:
I found accounts in my credit report that I didn't originate or applied for, these accounts are fraudulent and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I found accounts in my credit report that I didn't originate or applied for, these accounts are fraudulent and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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 have contacted Experian to remove fraudulent/ unverified accounts from my Credit Report. Experian removed five items that were fraudulent/unverified. However two other accounts continue to remain on my credit report which is having a extreme negative impact on my credit score. I sent 4 certified letters with return receipt to Experian from XX/XX/XXXX through XX/XX/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 2020-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Repetitive and harassing phone calls throughout the day with robocall messages left for several. The amount of phone calls being made by Citibank is excessive and harassment violation fair debt collection acts 4 phone calls on XX/XX/2020 at XXXX, XXXX, XXXX, and XXXX 3 phone calls on XX/XX/2020 at XXXX, XXXX, and XXXX 4 phone calls on XX/XX/2020 at XXXX, XXXX, XXXX, and XXXX 4 phone calls on XX/XX/2020 at XXXX, XXXX, XXXX, and 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 non-monetary relief
Consumer complaint received 2020-05-11 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: GA

Complaint narrative:
XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX   XXXX  XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 


Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX - Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$320.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$12000.00} Highest Balance XXXX  XXXX XXXX  XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$300.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date :XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit Card - Finance Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 


Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX - Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$320.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$12000.00} Highest Balance XXXX  XXXX XXXX  XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$300.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date :XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit Card - Finance Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX    XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: TX

Complaint narrative:
RE : COMPLAINT ID XXXX Equifax has reopened the referenced dispute with the date of XX/XX/2020! 

Equifax has acknowledged to have my dispute as of XX/XX/2020. Their time is up! They have now 30 days! What they are attempting to do is against the law. 

This was the purpose of my initial complaint for this illegal practice NOT to happen. 

According to the Fair Credit Reporting Act The credit bureau has 30 days to look into your dispute, based on the information you provide to it. The credit reporting agency must also notify the furnisher of the information, such as a bank or credit card issuer, within five days of receiving your dispute and provide the furnisher with the same evidence that you gave when you flagged the error. 

The data furnisher must then investigate your dispute and verify whether the information it gave to the credit bureau is correct. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an old expired XXXX  provided by Wells Fargo Bank. It is for back child support. We thought the funds were exhausted, but got notice there is a balance of {$110.00}. I would like the balance, but the card has expired. 

I have spent over five hours today on hold. One hour this morning, and two hours twice this afternoon waiting to speak to someone about a replacement of an expired card. It is the same loop saying I am in the cue, but no one picks up. I went online to see if I could order a replacement card, but XXXX  requires replacement cards on the phone only. I can see the balance, but can not order a card. I realize it is special circumstances with Covid-19, but this many hours on hold is unacceptable. I went in person to Wells Fargo bank to ask if they can order new card or give me the balance on the card and they said no. I had to call for the replacement card. 

Thank you for any 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 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My name is XXXX XXXX. I had an American Express Delta Gold Skymiles credit card and received emails in XXXX offering an additional XXXX sky miles and XXXX MQMs if I upgraded to their Delta Reserve card. 

I did this upgrade on their website and have never received the miles. Minimal spend requirements were met within the three month term period. 

When I called inquiring as to why I have not received, I was initially told that I did receive the promotion and that I would see within 8 weeks post completing the minimal spend. Was then told on the same call that she provided me the wrong info and that I didnt have the promotion. 

After placing me on hold three times for well over half an hour, I was told that I would not be receiving the promotion because I didnt apply for it correctly. I have emails and mailing offering the deal and was clearly misled. They tell me there is nothing that they can do except offer me XXXX miles for my trouble. 

This is unacceptable! I upgraded and paid an astronomical annual rate because of this deal, and am now told that I am out of luck. This is not fair to the consumer, and I believe that the offer should be honored. 

I have twice requested a manager call and have not yet received XXXX.  Apparently, American Express rewards department will not take calls from customers. 

Please help me resolve this, as this type of issue is not fair to consumers. They have no issue taking their XXXX annual fee, but will not honor their own promotion. Please help me! Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had my Capital One bank checking and saving account at some period time. I kept on my account more than $ 100k. I closed my account few years ago. I dont owe anything to this bank. I hold my own money. I didnt take any loan, any line of credit. Everything was fine at that time. 
I have my venture credit card with the same bank for the last 4-5 years. No debts, no late payments, excellent credit score ( XXXX ) I get a lot of offers by mail offering to open again saving and checking account. 
Finally today I decided to do so. 
I was really surprised when my application was denied. 
I spoke to the bank representative XXXX on the phone. And he told me that it is what it is. And bank can decline me for any reason. 
I am really shocked since I never had any problems with opening accounts in any of the bank for the last 30 years. Each bank gladly opens accounts for me especially for large amounts. 
I recently complained about annual fee with my capital one venture card. It feels like as a revenge and consequently retaliation against me which seems highly inappropriate and not correct. 
I would like to find out what are the reasons to be declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: CA

Complaint narrative:
The credit reporting company Experian recently ( XX/XX/XXXX ) sent me an email ( see screen shot [ attached below ] ) explicitly stating that I had credit card ( s ), a login ID for use of the website Experian.com, and the total credit-limit amount assigned to me for all my cards ( taken from my Experian credit report ). The total credit-limit amount was even stated in the title of the email. I don't even know ( or care, frankly ) if these types of emails are even encrypted. 

I don't mind being offered a new credit card, but I am extremely sensitive about emails containing personal information of this sort. This is mostly because I was a victim of identity theft a couple of years ago, which I believe was due to the XXXX XXXX  data breach. Identity thieves opened up four fraudulent bank accounts, a credit card, and an ATM debit card. One of the banks even printed paper checks which were sent to my home ( where I have had my physical mail stolen on several occasions ).

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 2020-05-11 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is reporting late payments on account which are jeopardizing my credit score. 
My account was not late and I expressed to Navient many times that I am out of work and am unable to make payments in which they promised to defer my payments for the dates that they are reporting as late. 

The dates that they are reporting late is listed below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I need this removed those late payments are keeping my score low and I am unable to get a job. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: TX

Complaint narrative:
I have a loan with XXXX XXXX  XXXX XXXX, Colorado, last 4 digits XXXX. I paid {$200000.00} against the loan on XX/XX/2020. When I accessed my credit report in XXXX, 2020 I found that the loan balance had been updated only by XXXX  but not Transunion nor XXXX. I submitted disputes, at great effort and uncertain success, but the balances have not changed. This is affecting my credit score with both of these bureaus. How may I get this fixed?

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 2020-05-11 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: DISCOVER BANK
State: CA

Complaint narrative:
THE DISCOVER PERSONAL LOAN ACCOUNT # XXXX OPEN DATE XX/XX/2019 REPORTING ON MY CREDIT REPOR IS FRAUDULENT AND NOT MINE. THIS IS NOT MY ACCOUNT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THIS ACCOUNT, THE PAYMENTS ON THIS ACCOUNT ARE FRAUDULENT AND NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX/XXXX  closed my account with XXXX balance on XXXX.I did not closed this account.This credit card was a XXXX credit card.XXXX is now closed/Bankrupted/etc ... It seems like credit card companies are closing credit cards with XXXX balance or lowering limits because of the corona virus pandemic.There are many recent news articles that state credit card companies closing accounts.Because i cant use this card anyways, I do not want XXXX XXXX/XXXX  lowering my credit score by  closing my account.

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 2020-05-11 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:
THE XXXX PERSONAL LOAN ACCOUNT # XXXX OPEN DATE XX/XX/2019 REPORTING ON MY CREDIT REPOR IS FRAUDULENT AND NOT MINE. THIS IS NOT MY ACCOUNT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THIS ACCOUNT, THE PAYMENTS ON THIS ACCOUNT ARE FRAUDULENT AND NOT MINE.

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 2020-05-11 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:
THE XXXX PERSONAL LOAN ACCOUNT # XXXX OPEN DATE XX/XX/2019 REPORTING ON MY CREDIT REPOR IS FRAUDULENT AND NOT MINE. THIS IS NOT MY ACCOUNT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THIS ACCOUNT, THE PAYMENTS ON THIS ACCOUNT ARE FRAUDULENT AND NOT MINE.

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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting late payments on account which are jeopardizing my credit score. 
My account was not late and I expressed to XXXX many times that I am out of work and am unable to make payments in which they promised to defer my payments for the dates that they are reporting as late. 

The dates that they are reporting late is listed below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I need this removed those late payments are keeping my score low and I am unable to get a job. 

Thank you

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