vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-29 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
As the pandemic was unfolding, the need to extra cash was heightened. 

I have seen offers before from Barclay 's for balance transfers. This offer, I should have read more closely, a FEE and 15+ % interest. 

While others are providing some type of help, I believe this was predatory and this company has clearly taken advantage of a world pandemic to increase their bottom line.

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 2020-04-29 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: I.C. System, Inc.
State: CA

Complaint narrative:
I have filed a complaint with XXXX  and it has been over 30 days and I am requesting inaccurate information be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: NV

Complaint narrative:
These are not my accounts. Please remove 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 2020-04-29 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent in a request for information that was violating my rights as a consumer the 3 major credit bureaus. I was told that the court reported the information to the bureaus and it was very clear that it was a third party that the incorrect information was reported from. I have been communication back in forth with the court and the bureaus regarding this matter and it has caused a lot of stress for me with my credit being damaged and its not allowing me to get the full credit that i deserve.

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 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
Called XX/XX/2020 to discuss account and was continued to add interest during a pandemic. I called to resolve the issue and was advised they will not waive late fees nor interest fees. Per the website, It says I only owe {$360.00} which is past due. They charged me {$370.00} to pay off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I was selling products through XXXX and Paypal for my XXXX XXXX XXXX. I started selling XX/XX/2020 and on Friday was hit with an account hold where my {$6000.00} in funds from sold items was held because they said I violated " User Agreement ''. I read the terms and didn't see anything I did that violated that. I sold some items, but all were okay with XXXX and everyone was previously listed on XXXX by someone else with no problems. 

Paypal is holding my {$6000.00} for 180 days at least, and won't return my messages and won't call me even though I've requested it. As a new XXXX I really could use this money, I don't believe I did anything wrong at all. Their resolution center just said there's suspicious activity so they shut me down. To top it off I have items now that I'm getting negative reviews on because people won auctions but can't pay for their items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2020-04-29 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
I made contact with Advance America and left a couple of voicemail messages as nobody answering the phone. 
I respectfully requested for stop payments on the payday loan as my XXXX  XXXX XXXX checking account ending # XXXX has a negative balance of around {$400.00} of excessive overdraft fees. 
I am not able to have any funds on my account because of my financial hardship and going through a difficult time with family Hardships and Coronavirus Pandemic issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing regarding Claim # XXXX in the amount of {$3000.00} on my checking account XXXX. When I opened this claim on XX/XX/XXXX, i was advised by Bank of America that my account would be credited within 10 days. I explained to Bank of America that my mother had placed an order for an item that was never received and this business, XXXX New York, subsequently filed for bankruptcy and is now permanently closed. Given these circumstances, I asked Bank of America 's representative to notate my claim accordingly so that the Claims Department would be aware that this business is no longer operative and unlikely to ever respond or cooperate in returning my funds. 

Last week I was informed that I would not receive any credit until at least XX/XX/2020. Bank of America is asking that I wait nearly three months to recover my funds. I have incurred fees and returned checks as a result of this. Please assist in resolving this matter. 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 monetary relief
Consumer complaint received 2020-04-29 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
After My HSBC Master card has been stolen.for one hour, I did call to report the HSBC representative to close the account. She promised to close the account and to take care everything that I was not responsible for after the incident. Later on HSBC called me to deny what they said with me before. Therefore, I send them the incident report that was endorsed by the club manager where the incident happened as well as the case report number from police departments and the name of police officer who was taking care of the case. I have already mailed all of supporting documents to HSBC. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

COLLECTIONS XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
I have received harassing phone calls from collectors 2-3x a WEEK regarding this debt.I have about 32 different phone XXXX phone numbers blocked within my phone.Last XXXX I received a very harassing and abusive phone call from a male collector regarding this account and I did give my time to him as well as explain I had XXXX XXXX and from XXXX to present underwent XXXX and had many complications with XXXX  XXXX as well.Since I was XXXX XXXX, I could not receive any benefits from state or federal help.I applied for XXXX twice and was denied.Given the lengthy process, I gave up. I am also a single mother who does not receive child support. 
I was not looking for a hand out or free ride I was just trying to explain my situation. 
He said my health conditions and employment status held no prospect of relief from this debt and I need to pay it regardless.He threatened to contact my bank and said he would be sending it to an attorney if I did not pay it within 2 weeks from that date. 
He was rude and threatening.He started asking me to give him my bank information and he could take a payment now to avoid further calls/ interest. 
I was not home, I did not have my banks routing number or even my checkbook. 
I remember exactly where I was during that call, at the beach with my son. 
So when I offered to call within 24 hours to try and come up with a solution he said well good luck with that, this was your final warning and it will be sent to a collection attorney, get a lawyer. 
I was beside myself and consulted with a family member and they told me not to call and wait it out. 
I did.From that time in XXXX of XXXX and present, I have received multiple calls weekly, and up until XXXX, daily. 
I am now receiving letters from an attorney.The first was in XXXX, dated XX/XX/XXXX and most recently yesterday dated,XX/XX/XXXX.Please advise as I want to improve my credit score and pay the debt if necessary.I live in RI. 
I am able to pay some of my debt due to my stimulus check and to stop all these harassing letters/calls. 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I've called twice asking Discover to close my Discover IT card ending in XXXX. They refuse to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: KEYCORP
State: NY

Complaint narrative:
In XXXX, I had an active credit card with XXXX XXXX XXXX  ( " XXXX '' ) which experienced fraudulent charges. XXXX removed the charges and I closed the card. In XXXX, Keybank acquired XXXX and the fraudulent charges were reactivated as a due balance in error. Keybank was aware of this error and in XXXX they notified me that the charges are not valid and to disregard any statements asking me to pay a past due balance and they said they would close out the account. 

On XX/XX/XXXX I opened my first ever Keybank checking account and enrolled in online banking with Keybank. Upon signing in for the first time I saw a credit card linked to my profile with a balance due of {$240.00} and with a payment due date of XX/XX/XXXX. I immediately called Keybank to understand what the credit card charge related to - I had forgotten about both the XXXX and XXXX issues described above. After spending XXXX on the phone, having been shuffled around to eight ( 8 ) different groups, I hung up the phone to attend to my full time job. Each group told me there was nothing they could do, in some cases I was transferred to the same group twice, and one group ( online banking ) even told me " it wasn't there problem. '' I called back about an hour later and I was put into a queue for a supervisor on the credit card service team to call back when they are free.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
CFPB case # XXXX I received a letter from Equifax today that they have resolved my issue. Problem is, they sent it to my address with the other person 's name - stating that they have changed their address to mine. 
So instead of separating it as they were supposed to, they made it worse. 

Equifax case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
I have been off from work since XX/XX/XXXX due to covid 19 I contacted my finance company bridgecrest to shut down my auto pay I had set up because I knew I wasnt getting anymore checks from my job and I had to file for unemployment the day before I called them they had just taken a payment my payment is due every two weeks I explained to the lady that I didnt have an exact date that I could make a payment because I had to wait for unemployment to start up she said ok 3 days later I receive a call asking me did I come up with the money or date I can pay even when the account was not even pass due yet. There after I have received a call from this company everyday harassing me about a payment I finally just received my unemployment this week I made a payment so Im 1 payment behind they called 3 times in one day pressuring me to make another payment. This company has no empathy for whats going on in this world they are bullies who are stressing people out more than they already are by calling them multiple times per day demanding payments that some of us just cant make at this time. They even threatened repossession on a few people and I think it is ridiculous and they should be stopped i have enough stress right trying to pay rent and all my other bills and they act as if they are the only important bill that needs to be paid no sympathy at all their agents are rude and absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

COLLECTIONS XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$4500.00}

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 2020-04-29 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 recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

COLLECTIONS XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX  XXXX {$4500.00}

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 2020-04-29 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$5900.00} XXXX  XXXX {$840.00} XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$130.00} XXXX XXXX  XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$790.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX {$40000.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX {$410.00} XXXX XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
To : Federal trade commission, I am XXXX XXXX XXXX [ Copy right secured party creditor. 
For the past 5 months I've been getting letters In my email and my mailbox too, from synchrony bank XXXX XXXX card, Synchrony bank has open Many account in my name what would the reason for all that? 
1st of all my a Account was hacked someone use a account so they closed. And after that they issue more credit card but-XXXX balance no money to be use it was just my plastic squirt thing with number. 
When the bank use your name To open New account They The take the signature directed to this XXXX XXXX XXXX  And then there Percent my signature to, To be able to get the money for them not for me I know that. 

So every time they ask for money they benefit Not me. What I need the federal trade commission to do for me is to investigate. 
The account been close end [ XXXX ] they are been harass, me with Email Paper mail in my mailbox They harassing me with certificate mail, I I have finished talking to them and and I have done with them no more talking to synchrony Bank. this is a violation of my private security Agreement filing a New York UCC 1. Trademark copyright. 

They don't suppose to email me their own supposed to send mayor into my mailbox that was clear to them. They continue harassing me to pay the amount They I didn't create their one {$2300.00} when my XXXX was only {$1900.00}. The creating credit late fee height Interest charge. Even they know they don't suppose to do any their stuff because I not responsible for the account they know that you can not speak to them they not listening this need to stop. 

I'm going to file a commercial lean again synchrony Bank. I have enough evidence to do that.

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