vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Synchrony Bank, via the XXXX XXXX, opened an account in my name without my authorization. Further, they are sending me marketing communications and claiming that I can not unsubscribe from these communications based on my business relationship. Since no such relationship exists, I believe this also constitutes a violation of the TCPA.

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 2020-05-14 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: Santander Consumer USA Holdings Inc.
State: RI

Complaint narrative:
Due to Covid -19 I asked my auto lender SANTANDER CONSUMER USA for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. SANTANDER CONSUMER USA made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my SANTANDER CONSUMER USA loan. SANTANDER CONSUMER USA refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: NH

Complaint narrative:
I contacted XXXX XXXX to get an extension on a due date of XX/XX/2019 and they assured me it would not go against my credit. It is showing as a late payment. XXXX refuses to fix it, and the report I filed with Experian did not show any updates once completed. The reports I filed with XXXX  and XXXX  have not been resolved or responded to after a considerable amount of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Due to Covid -19 I asked my auto lender XXXX XXXX XXXX for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. XXXX XXXX XXXX made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my XXXX XXXX XXXX loan. XXXX XXXX XXXX refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.

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 2020-05-14 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Due to Covid -19 I asked my auto lender XXXX XXXX XXXX for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. XXXX XXXX XXXX made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my XXXX XXXX XXXX loan. XXXX XXXX XXXX refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: RI

Complaint narrative:
Due to Covid -19 I asked my auto lender XXXX XXXX XXXX for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. XXXX XXXX XXXX made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my XXXX XXXX XXXX loan. XXXX XXXX XXXX refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.

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 2020-05-14 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: NH

Complaint narrative:
I contacted XXXX XXXX to get an extension on a due date of XX/XX/2019 and they assured me it would not go against my credit. It is showing as a late payment. XXXX refuses to fix it, and the report I filed with XXXX  did not show any updates once completed. The reports I filed with TransUnion and XXXX  have not been resolved or responded to after a considerable amount of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: NH

Complaint narrative:
I contacted XXXX XXXX to get an extension on a due date of XX/XX/2019 and they assured me it would not go against my credit. It is showing as a late payment. XXXX refuses to fix it, and the report I filed with XXXX  did not show any updates once completed. The reports I filed with XXXX  and Equifax have not been resolved or responded to after a considerable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My problem is with Toyota Financial Services : 1. Toyota Financial Services- In XXXX I lost my job due to covid-19. I called Toyota customer service number XXXX stated on my bill for a month, no answer. I went on their website : www.toyotafinancial.com and wrote that I lost my job and wanted to find out what can I do to defer or forebearance the payment. I HAD NEVER MISSED A PAYMENT. I received no reply. The website had an area that stated Covid-19 update however did not have forms or anything consumers can fill out for that option. When you go to fill out the form there was nothing you can fill out. They deliberately just posted the information with nothing consumers can fill out, only a sign stating what to fill out. No Forms whatsoever! On Monday XX/XX/2020, I went on my XXXX   XXXX account and noticed Toyota Financial reported that I did not pay my payment for XXXX. I made every effort to contact Toyota Financial however they ensured that they made themselves unavailable to respond to consumers in need of their assistance. This delinquent reporting to XXXX  has drastically brought down my credit score. When I called XXXX  to dispute this erroneous reporting, the phone hung up not working. I also tried to dispute it on line with my account since I have a freeze on my account it reroute me to purchase XXXX  's credit monitoring service which I can not afford at this time. If you didn't purchase their credit monitoring service, you can not dispute erroneous information on your account. When I went back to Toyota Financial service website now they have a form for consumers to fill out for a 30 or 60 days deference yet still you can not communicate with anyone to explain what happened. I filled it out however I did my best to notify Toyota Financial prior to when my car payment was due numerous times. My other creditors have worked with me except for Toyota Financial. I need the delinquent posting off of my XXXX  account since Toyota Financial deliberately caused their consumers to be delinquent by not replying to phone calls, emails, and provided erroneous information on their website to give the appearance they are helping consumers. I will never purchase a Toyota as long as I live and will tell my family, friends, colleagues, and acquaintances of what they did in my time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: GA

Complaint narrative:
There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : XXXX  has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  Equifax has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX - Opened XX/XX/XXXX Balance : XXXX ( Equifax, XXXX, XXXX ) XXXX XXXX  XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( XXXX  and Equifax ) XXXX XXXX XXXX - XXXX  XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity Bank has been lowering my credit limit each time I make a payment on an account. Each time they do this, it lowers my credit score. Then they tell me that based on my lowered score, they are decreasing the limit again. This latest cut showed a credit score from XXXX and included lack of real estate as one of the reasons. I did not own a home when I applied, now, during a pandemic they are looking for home ownership as a criteria for a store card. 

This is an unscrupulous banking practice during a time when so many are facing severe financial crisis. I paid my account down to XXXX dollars and was rewarded with a limit decrease. This is a disgusting practice and consumers should have protections. Especially during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
On XX/XX/2020 Mr. Cooper/Nationstar Mortgage submitted a second application without my consent which created a hard credit pull. They not only did this once but twice to my credit. Why would one company need two applications and two hard credit pulls? I have reached out to the company and said : " I apologize for not fully explaining the process ''. I don't think its right for a company to submit applications without approval to pull a hard inquires on my credit. Moreover, how were those legal questions answered by them on my behalf?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: IL

Complaint narrative:
WorldRemit money transfer # XXXX was never made available after being advertised as an instant money transfer. I used the system because of this claim however the money has not been made available after 4 days. There is no way to contact the company or cancel the charge through the online website. I would prefer to cancel and use another system I have tried to call their call center number which leads you in circles and they refuse to answer emails due to Covid-19 which makes no sense. Thank you for your recent email. Due to the present Covid-19 situation, our customer service team are unable to respond to your email at this time. I believe this company has been using false advertisement. baiting potential consumers into believing the money will be made available sooner than it really is. Please investigate the claims made on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
There are several charges on my American Express XXXX  Card that I have not authorized. When I try to file dispute on American Express website, it always fails and does not let me successfully submit the claims. The charges that I have not authorized and should be immediately credited to my account are : ( XX/XX/XXXX ; XXXX XXXX   XXXX XXXX XXXX ; {$1500.00} ), ( XX/XX/XXXX ; XXXX XXXX  XXXX   ; {$170.00} ), ( XX/XX/XXXX ; XXXX XXXX  XXXX  ; {$560.00} ). There are 3 more charges with various issues that I would like to dispute as well but due to the American Express website issue I can't : ( XX/XX/XXXX ; XXXX XXXX MD ; {$73.00} ; I have never received this merchandise from the merchant. They have not shipped it nor communicate anything regarding the order. ), ( XX/XX/XXXX ; XXXX XXXX ; {$93.00} ; I have returned this order but not received credit for it. ), ( XX/XX/XXXX ; XXXX ; {$600.00} ; I have been trying to return this order but the merchant is not accepting returns despite their policy saying otherwise. ). Also, please stop any further charges to this account and issue me a new card with new card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: GA

Complaint narrative:
There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : Transunion has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX  has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX  - Opened XX/XX/XXXX Balance : XXXX ( XXXX, TU, XXXX  ) XXXX/ XXXX XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( TU and XXXX ) XXXX XXXX XXXX - XXXX  XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )

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 2020-05-14 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: GA

Complaint narrative:
There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : XXXX  has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  Experian has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX - Opened XX/XX/XXXX Balance : XXXX ( XXXX, XXXX, Experian ) XXXX/ XXXX  XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( XXXX  and XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX  XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )

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 2020-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ

Complaint narrative:
The XXXX Hospital asked me to participate in a study related to my XXXX XXXX. I agreed and submitted to an XXXX of my XXXX. The XXXX Hospital never sent me a report on the findings from the XXXX. I repeatedly called and was assured I would get a copy of the report but never did. I still dont know if my XXXX XXXX is stable or not. If it XXXX  Ill be dead in about 60 seconds. The XXXX Hospital was paid thousands of dollars by my medical insurance company for the XXXX. They want an additional {$300.00} from me despite never letting me know the results of the XXXX. I believe they are ripping me off and engaging in unfair medical business practices. Celentano, Stadtmauer & Walentowicz is the hospitals debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX about a bogus judgement for a debt from Midland Funding LLc Assignee of XXXX / XXXX. For a balance of XXXX and the name on the letter is wrong. My name is XXXX XXXX XXXX they have XXXX XXXX XXXX. I sign my name on documents as XXXX XXXX XXXX its on my drivers license and social security card and birth certificate. My whole name is XXXX XXXX XXXX XXXX and this is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I have been furloughed by my company due to Covid19. This occurred on XXXX, 2020. I immediately filed for unemployment since I am XXXX years old and have a XXXX son I care for. It is now XX/XX/2020 and I have not received a card from Oklahoma Way2go prepaid card/ XXXX, through the Oklahoma Employment Security Commission . I have received written notice of eligibility as well as online evidence of payment for past six weeks. I have called the company phone number numerous times, to get assistance with this, only to be placed on hold, diverted or hanged up on. I am at a loss. In addition, I have daily gone online through the OESC, as recommended to attempt to reconcile this.

Company response to consumer: Closed with explanation