vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/XXXX, I responded to a mailer that I received at my home from Suntrust/Truist Bank. I accepted an offer to open a credit card so that I could initiate a balance transfer with a stated interest rate of 4.75 % for 3 years. I was approved for the card and interest rate. When I received the card I called on XX/XX/XXXX and spoke to XXXX to perform the balance transfer over the telephone. XXXX again stated the interest rate would be 4.75 % for 36 months, ending on XX/XX/XXXX. I was told that the call was on a recorded line and I want somebody to listen to the call to verify that I was promised the interest rate that I list in this complaint. The balance transfer was scheduled and went through ( {$6800.00} ) with an agreed upon 3 % balance transfer fee and a 4.75 % interest rate for 36 months. I set up automatic payments to the bank through my checking account. On XX/XX/XXXX, I checked the account online and I saw that my interest rate was 15.5 %. I attempted to call on XXXX and was taken through an endless automatic phone tree and was never able to speak with an individual. On XX/XX/XXXX I got through to an individual named XXXX. XXXX said she was unable to assist me and she would get a supervisor. I held for nearly an hour to speak to supervisor XXXX. I was ultimately left to wither on hold for 90 minutes, and nobody ever returned to the phone. It is fraudulent to promise one interest rate and charge 3x that much. Further, it is corporately amoral to refuse to come to the telephone to assist your customers and resolve your fraudulent practices. I will post this story online in as many places as I am able, and will tell this story about Suntrust/Truist to anybody who will listen. Ultimately, I will pay off this card, close the account, and move all accounts out of Suntrust/Truist. This is a despicable way to treat customers. I have never had a late payment on any account I have with your bank. I will remove myself from your bank as quickly as I am able and will encourage others to do so, as well.

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 2020-05-05 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:
SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal  Inspection Service for other possible violations of the law.

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank has done the following injustice to me, My XXXX XXXX, and my Credit Report. Without my authorization they closed the following accounts resulting in a lost of {$17000.00} in credit. 

1. BJs Master Card Credit Limit {$5000.00} Acct # XXXX XXXX XXXX XXXX Comenity Bank/Comenity Capital Bank reason for closing my account they stated that I have to many inquiries on my credit report and this was after my application for a line of credit of {$5000.00} was approved and before I received the physical card in the mail. 

2. XXXX Visa Credit Card Credit line {$12000.00} Acct # XXXX XXXX XXXX XXXX Comenity Bank/Comenity Capital Bank sent me a letter stating that XXXX  went out of Business and that my card will no longer be accept for purchases. I contacted Comenity Bank via telephone asking will this affect my account and the representative said no because XXXX  Card is a Visa card it will be accepted everywhere else. And that I have nothing to worry about and now my account is closed. 

They do not care about there customers and they have this habitual habit of closing peoples account and reporting it to there credit bureau that line was closed by granter and ruining everyones credit scores credit reputation and credit report. They refuse to do anything about but refer you to the credit report agencies that cant do nothing for you. 

Attached is the statement for both card thats were closed proving that I had active accounts. 
Attached is the letter sent to me recently pertaining to my models credit card being closed after they told me via telephone conversation that it will still before and I would be able to make purchases anywhere because its a visa credit card. Attached is a picture of the physical cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: PRESTIGE FINANCIAL SERVICES INC
State: WI

Complaint narrative:
In XXXX of 2019 the vehicle was put in a chapter XXXX bankruptcy. by my significant other. I was unaware that my new vehicle was put in a bankruptcy because me and my husband are separated. When I found out I talked to the attorney and had my vehicle removed because I am a non-filing spouse. I contacted prestige financial to continue with my payments. Which I have been doing so ever since. I have not been late I have been calling in my payments or they have been calling me for the payment. I asked for a monthly statement they can not provide me with the monthly statement, I asked for a payout of exactly what I owed they could not give me any information. I have a account manager with prestige financial by the name of XXXX. me and her went back and forth about the car being wrote off as a bad debt on my credit report but yet I'm making payments and they can not provide me with any financial information regarding what I'm paying for. And that is the reason why I'm reaching out to you to see how can I resolve the situation or either get rid of the car.

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

Complaint narrative:
I was at awe seeing things reported that should not be there. Please heade to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am requesting assistance or information on how to proceed further with my dispute. I have also attached 2 emails that were sent to the bank. I applied for a Credit Card with the bank but did not receive it. I found out via XXXX XXXX that the card was issued and immediately contacted the bank and disputed the charges. I was verbally advised after a few weeks later that everything was fine and I did a Balance Transfer. Last month I went to make my payment and they had put the disputed charges back on my account with no explanation or documentation to advise. I believe they are in violation of the FCBA guidelines. When I called the dispute was closed out and I re-opened it. They have since sent me a statement to pay the total of the disputed charges, have reported the balance of {$7900.00} to the Credit Bureau and has caused a significant drop in my FICO score. 

On XX/XX/20, I received a letter stating the dispute of XXXX was closed and a credit was issued to my account, however that is not true and neither has the amount changed on the Credit Bureau. No one in the dispute department will return my calls and I have not received any correspondence on the new case that was opened. 

I am kindly requesting that you review this matter and if you are not able to assist, can you please provide some guidance as to what can be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been trying to get an update on the loan modification review for several months now and the bank just keeps playing games. I even have a counselor ( XXXX XXXX ) who is helping me try to save my home but they continue to play games with me. 

I don't know what else to because I am about to lose my home and its because they won't answer my requests and they only want us to talk to one person who is never available. How can you assign one single person to somebody's home and never call anyone back. 


We also tried to call the foreclosure attorney and left a couple voicemails for him to call us back. No response as well. 

This just seems like a scam from the lender and I don't know where else to go at this point! I have been complaint only get a run around from PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony bank Sams Club card holder is reporting inaccurate information of late payments on my credit report for several years account was paid and theyre still reporting inaccurate information. I have spoke with the company three times and the third-party XXXX who they sold my account. I have sent synchrony bank document verifying the account has been paid in full and theyre still reporting the count as negative and late. The problem has been ongoing for over 90 days and I have asked for them to delete the count since Ive given them more than enough time to correct my account and they still have it

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 2020-05-05 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: MA

Complaint narrative:
I have attached letters to my complaints regarding the report that should not be in my file.

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 2020-05-05 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: MA

Complaint narrative:
I have attached letters to my complaints regarding the report that should not be in my file.

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

Complaint narrative:
To Whom It May Concern, I was on my XXXX XXXX account middle of XXXX. I had noticed there are some missed payments on here that I feel are 100 % inaccurate and that I pay on time. I have tried calling these companies the past few days but it's been long hold times as of XX/XX/2020. I am going to send you guys pictures of the late fee 's I am talking about. I want this all to be fixed under fair credit reporting act. I have always paid on time so I am unsure how they feel I had late fee 's if I ever was late I am sure was worked out. Any help here to get this accurate would be great. thank you for your time. Anybody has any questions please feel free to call me so we can resolve this.

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

Complaint narrative:
To Whom It May Concern, I was on my XXXX XXXX account middle of XXXX. I had noticed there are some missed payments on here that I feel are 100 % inaccurate and that I pay on time. I have tried calling these companies the past few days but it's been long hold times as of XX/XX/2020. I am going to send you guys pictures of the late fee 's I am talking about. I want this all to be fixed under fair credit reporting act. I have always paid on time so I am unsure how they feel I had late fee 's if I ever was late I am sure was worked out. Any help here to get this accurate would be great. thank you for your time. Anybody has any questions please feel free to call me so we can resolve this.

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Since the month of XXXX due to the COVID-19 Pandemic my paycheck has been delayed since then we are trying to be responsables by using our little savings and cover our minimum payments. On the month of XXXX sinces our checks were delayed we couldnt make the payment on time now we are trying to cover that payment and bring the account on good standing and we cant. Today XX/XX/2020 @ XXXX XXXX  we spoke with agent id XXXX and asked her if she can help us by removing the 2 late fees for the month of XXXX and XXXX ( Pandemic Time ) and she said no. I dont agree with this behaivor becuase the arenot helping us during this time i am not refusing to make the payment I WANT TO MAKE THE PAYMENT all I am asking is for : THE DERROGATOR REMARKS ON MY CREDIT REPORT TO BE REMOVED and THE REVERSE OF THE TWO LATE PAYMENTS FEE. I will really appreciate your help and understanding my credit score and payment history is excelent becasue I consider myself a Responsable person. 

Thank you in advance for your Help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have attached letters to my complaints regarding the report that should not be in my file.

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern, I have a Costco Citi Credit Card, card was current and paid in full and in good standing. In XXXX and XXXX of 2019 I missed two payments back to back on my Costco Citi Credit Card. The reason why was my costco membership was automatically charged onto my credit card and I wasn't aware. As soon as I became aware I made a payment in full to bring my account current. These negative remarks are hurting my credit score from all three major credit bureau 's.

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 2020-05-05 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: TN

Complaint narrative:
There are fraudulent accounts reporting on my credit report

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

Complaint narrative:
There are fraudulent accounts reporting on 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 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have informed Paypal that these transactions are XXXX, and need to be refunded and charged back to the merchant. I cancelled the agreement 4 months prior to the free trial ending. Not only did the merchant charge me for 1 account, but they charged me for 2 accounts for music service as 2 different levels with the same account with paypal. There is not anyway a person would need more than 1 account. The company in question is XXXX   an online music streaming service. They will not answer phones and will not communicate directly. My virtual wallet credit account Paypal did stop further transactions, but has not and has refused to refund the unauthorized transactions. I need the funds in question, plus the original trial funds returned to me as promised. As Paypal dispersed the money without my consent, and is not properly responding to the unauthorized transaction and calling it a billing agreement I hold them responsible. There was no agreement in place. I saw the charge and immediately requested the refund. The service was never used, not paid for or trial. You would think the companies would do the right thing but as this juncture they refuse. 

Your help in this matter would be appreciated. 

Here are the paypal transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX my log in id is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Stuart-Lippman and Associates, Inc
State: TX

Complaint narrative:
My wife received a letter stating she owes {$12000.00} to an XXXX. 
Here is the information : Stuart -Lippman and Associaion XXXX XXXX XXXX XXXX XXXX Az . XXXX XXXX We do not own this bill. 
Improper written disclosed. 
Not a licensed collection agency I own XXXX  XXXX XXXX, XXXX and XXXX XXXX. Licensed collection agencies.

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

Complaint narrative:
XXXX XXXX XXXX XXXX Account : XXXX Payments XX/XX/XXXX - XX/XX/XXXX The payments on the account are reflecting that every month the payment was 30 days late due to an error in their system when they provided an extension on XX/XX/XXXX. This has caused me to be denied for a loan for my primary residence and I am upset that company fradulently has been reporting my information for over 16 payments. I attempted to correct this with the company and they requested for me to submit the request to CFPB directly to correct the issues with 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 2020-05-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
During the COVID 19 Emergency, 1. ) XXXX XXXX XXXX XXXX XXXX XXXX  ( AND XXXX XXXX XXXX Trustee ) has refused our request for Forbearance during the COVID 19 Emergency Period on ; XX/XX/2020, XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020. 
2. ) The foreclosing attorney for the Plaintiff, XXXX XXXX, XXXX ( Trustee ) XXXX XXXX XXXX on XX/XX/2020, XX/XX/2020 and XX/XX/2020 contacted us via email through our attorney offering us money to vacate our sole/primary residence. We did not ask for a relocation settlement/assistance as this a contested foreclosure. The repeated solicitations for us to vacate our residence using financial enticement of {$10000.00} during the COVID19 Emergency Period is abusive, cruel, reckless and has caused our family severe emotional distress. 
Servicer : : XXXX XXXX XXXX ( Loan # XXXX ) Trustee : : XXXX XXXX, XXXX ( XXXX XXXX XXXX Trust Services ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation