vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-10 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Derogatory information must be removed due to COVID-19. I have made several attempts to remove this information. I have sent several letters challenging the derogatory information. The derogatory information is preventing me from obtaining a new checking account for myself and my daughters.

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 2020-05-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
CIti Credit Card Dispute XXXX On XX/XX/2019 I contacted Citi Credit Card to dispute a charges on my credit card on XX/XX/2019. The transaction detail was " XXXX XXXX XXXX {$510.00} DEPART:XX/XX/XXXX XXXX  TO XXXX : XXXX : XXXX  : XXXX  : XXXX  ''. This was an unrecognized charges by me at the time of the dispute. I contacted XXXX to inquire about this charges, but they were not able to find any transaction with this information. Please see attached email correspondence to and from XXXX. 

On XX/XX/2019, I noticed another unauthorized charge to my account made on XX/XX/2019. This time there was another vendor associated with the transaction, XXXX I contacted XXXX and the agent stated the reason for this new charge was because I had disputed the previous charges with my credit card company made on XX/XX/2019, and it was for a plane ticket for my wife purchased on XX/XX/2019. 

This transaction was not an authorized charges because I did NOT receive any notification from XXXX XXXX about airline tickets been booked on XXXX XXXX. However, we did receive an email from the merchant to inform me that the airline was unable to confirm the reservation. No other contact with the merchant was made after this email notification. See attached for the email from XXXX. 
My wife was double booked in the same flight and nor XXXX or XXXX notified us of this tickets I was charged for on XX/XX/2019. The only way I was able to obtain any of this information was after my many phone calls with both XXXX XXXX and XXXX. 

I have been told by XXXX, that they are unable to assist with this issue and I will have to have it resolved it with XXXX. I have been told by XXXX, that they are also unable to assist with this issue and that I will have to take it back to XXXX. 

The Citi dispute department processed the dispute and fraudulent transaction and later was change to product not received. Since I disputed the charge on XX/XX/2019, I have contacted Citi by phone and email over twenty times and I get the same answer every single time " They are working on it '' in the mean time this charge is accruing interest and late payment fees. 
This transaction was for an airline tickets I was attempting to purchase but never receive the product ( booking confirmation ). 

1. XX/XX/2019 XXXX XXXX XXXX {$510.00} XXXX XXXX TO XXXX : XXXX : XXXX  : XXXX  : 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 monetary relief
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
The accounts are medical debts that do not belong to me nor did I have knowledge of them, I submitted documents to verify my identity to the collection bureau with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: OH

Complaint narrative:
the accounts mentioned with this company does not belong to me nor did I have knowledge of the accounts the dates XX/XX/18 in the amount of {$1000.00}. I've sent over police report that states I am a victim of identity theft and the accounts still remain on my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
I have 4 collections items from Alpine Credit Collection Agency on my credit report. These accounts originated at XXXX XXXX XXXX in XXXX, CO. I provided my XXXX information at the time of service. Somehow the information wasn't transferred to XXXX XXXX for my x-rays. XXXX XXXX never sent me a bill and I first received a bill from Alpine Credit. I have called Alpine Credit and disputed this account. I have also called XXXX XXXX and given my XXXX information and was told my account would be removed from collections. I called both companies in early XXXX. However, these collections accounts are still on my credit report today XXXX XXXX and has taken a significant toll on my credit report. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: WV

Complaint narrative:
Wont give me access to attach my account to XXXX, to help me with finances this week

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Credit report display six late payments ( XXXX, XXXX, XXXX XXXX ). I have written the company a hand written letter via USPS in XX/XX/XXXX to get these negative remarks removed with no success. I have also sent and goodwill email to the CEO explaining the situation and was again told they could not removed the negative marks from my credit report. I explained to the company that during this time I unfortunately did not receive the bills consistently which resulted in me paying the bills late. Thank you in advance for your consideration and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX on XXXX XXXX XXXX and Consumer Portfolio Services financed it. I am an XXXX XXXX XXXX and my work stopped as soon as the shelter in place order went into affect. I told the lender what happened and that I would be signing up for unemployment. They have called me every day including Saturday 's since then. In California Self Employed people could not even sign up for unemployment until XX/XX/XXXX. I told them that calling every day was harassment and to stop. They gave me an extension on XX/XX/XXXX but my account was immediately overdue the following day and they started with the calls every day after that. I still have not received unemployment or my stimulus check. I don't know if what they are doing is illegal, but it is a terrible way for a business to behave during a national crisis

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: NY

Complaint narrative:
I have 4 collections on my account that dont belong to me. I enclosed the accounts as an attachement. I never had any of these accounts and this company says i must pay and I started to get threats. They called my family homes saying they were a private investigator. Its too much trama I lost my mother and grandmother to 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 2020-05-10 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:
I have 4 collections on my account that dont belong to me. I enclosed the accounts as an attachement. I never had any of these accounts and this company says i must pay and I started to get threats. They called my family homes saying they were a private investigator. Its too much trama I lost my mother and grandmother to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
the accounts mentioned does not belong to me nor did I have any knowledge of the accounts the accounts are as following finance system of Toledo XX/XX/XXXX {$100.00} XXXX {$64.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$470.00} the accounts are result of someone using my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I made a TransUnion Account thinking that it was a free credit report. As it turned out, I found it wasn't free and it was false advertising to say that it was free, but instead a subscription service after my account was created. I was charged XXXX not knowing that. I have canceled my subscription, but I currently don't trust them in refunding the initial cost due to this occurrence alone.

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 2020-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I borrowed {$8000.00} from Sallie Mae. I have paid around {$4000.00}. My loan has been sold two times and now Navient owns my student loans. Navient claims I owe over {$12000.00} on the loan. This makes no sense. I called and offered to settle the loan for {$5000.00}. Navient told me " No ''. 
Navient has created a situation where I can never pay them off. I want to completely severe ties and no longer have this scam debt. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: DISCOVER BANK
State: KY

Complaint narrative:
No explanation. Received nothing after several times. Been waiting for months. Not even a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: NY

Complaint narrative:
Account under the name ( XXXX XXXX ) is currently reporting on my Transunion illegally. And is in violation of FCRA rules. Section 1681.

: The account currently reports misleading, Unverifiable information including Unverifiable balance. A violation of FCRA rules : The account currently reports inaccurate last date of activity a violation of FCRA rules : The account currently reports inaccurate last date of payment. A violation of FCRA rules. Section 1681 : The account currently reports inaccurate terms of agreement a violation under section 1681

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 2020-05-10 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I noticed in XX/XX/2020, that I had a late payment for {$5.00} was reported to the credit bureaus by Chase. My credit card balance was {$0.00} since XX/XX/2020 and I had not used my card. I called Chase and they agreed to remove this charge and late payment but as of today XX/XX/20 it is still on my credit report. 

My credit score has been decreased by 40 pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp
State: NV

Complaint narrative:
On Wednesday, XX/XX/XXXX I contacted Security National Mortgage to follow up on a automated call received on Tuesday, XX/XX/XXXX. I was advised that although it was only the XXXX of the month that I was receiving a collection call. While our due date is the XXXX of the month, our payments are typically paid on the XXXX due to income posting to our accounts to ensure no issues with the payment processing. Not once has the payment ever been past the grace period of processing or assessed a late fee. 

The Agent ( # XXXX ) who I spoke to was rude, obnoxious and threatened to hang up on me if I didn't stop talking. This while I was trying to request a supervisor to speak with. I was told there wasn't a manager available and no matter how long I held there wouldn't be anyone available and that no one would speak to me. I was told my only option was to request a call back which to date has not happened. 

Some back story, since XX/XX/XXXX, when I were furloughed from my primary employment I have been trying to coordinate with the mortgage company however their mail items, website and emails were all extremely vague as to what we can do to defer payments on our loan during this pandemic. As requested via their phone system and website, I submitted in inquiry online and after 10 days received an email that I didn't submit the email correctly and had to resubmit my inquiry again. By this time our XXXX payment was processed ( on XX/XX/XXXX ). A couple of weeks later ( XX/XX/XXXX or so ) we received an email advising that we were to approved for the forbearance ( we never requested only inquired about options ) and that we could skip our XXXX payment which was already posted to our account. The email and mail items advised that the forbearance was the only option and that we would be responsible after 3 months for the back payments plus daily interest during the time period. 

Since we are already in a financial hardship we couldn't take the risk of not staying current. We did everything we could to make the XXXX payment yet on XX/XX/XXXX and Security National still had their automated collection calls set to call us for payment on the same day. 

We are a hard working family, we were current on all payments since our loan closed over 3 1/2 years ago and being treated like we were is just wrong. Security National is not working to helps its lenders, they are providing misinformation and making it extremely difficult for their customers to get service and / or proper information from their team. 

In a time of helping people impacted by this pandemic, this company has demonstrated they are not caring or willing to assist anyone but their bottom line. It is disgraceful and someone should know. We have every intention of refinancing our home the second we are both fully employed again to ensure we don't have to give them any business or one penny of our hard earned money in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Around XX/XX/XXXX, I called CitiBank Costco Credit Card to inform them I would not be able to make the Credit Card Payment due on XX/XX/XXXX. I asked for a waive since I was affected by the COVID-19 pandemic. Instead she went on and on about how they are not offering any relief for the month of XXXX to any customers. I told her I wanted to be put on my file so I do not get chanced any fees or have it reported to my credit report on missed payments. Instead the customer rep went on an unprofessional rant stating " she does not also pay her CC in full ''. I asked again that I needed relief and she again told me there was nothing she can do or offer. 
A week later CitiCard Locked my CC for the missed payment, so I had no access to money although I still have a considerable credit limit on the card. Then on XX/XX/XXXX they charged my a {$40.00} late payment fee. It is unethical that CC companies like CitiGroup are charging fee during a pandemic and economic shut down, especially when I tried to inform them days ahead of time about the inability to make that month 's {$300.00} payment.

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 2020-05-10 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: FL

Complaint narrative:
I have written numerous letters to Transunion within a 6 month time span advising 2 collection accounts ( XXXX XXXX and XXXX XXXX ) weren't mine. I have also written numerous letters to XXXX within a 6 month time span advising 2 collection accounts ( XXXX and XXXX XXXX ) weren't mine as well. Each response they sent back stated the accounts were verified. When asking for how they were able to verify the accounts, I would receive no response. After advising them, the companies as well couldn't verify nor confirm the accounts were mine, they continued to report the negative information on my credit reports. 
In addition, I advised both Transunion and XXXX that a collection account, XXXX was not mine. Transunion closed the account and XXXX  still has the account open. There is no reason why this account should be on my credit reports.

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 2020-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
I was buying a XXXX supercharger from this guy on XXXX XXXX XXXX. I paid a total of XXXX  on zelle and XXXX on XXXX XXXX. I never received the supercharger and was blocked from contacting him. He never sent the item i purchased from him. A payment of XXXX on XXXX XXXX and XXXX on zelle was made to XXXX XXXX on XX/XX/XXXX. Then another payment of XXXX on XXXX XXXX was made to the same person as well as a payment of XXXX on zelle. I had no clue that zelle or XXXX XXXX doesnt have protection. And i can not get a hold of the seller because he has blocked me on everything. Please help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: Utah System of Higher Education
State: NY

Complaint narrative:
It appears that XXXX, my student loan provider has reported my current loan status to credit bureaus. I noticed my credit score dropped for no reason. The only thing I believe could have impacted my score is utilizing the CARES Act and going into an emergency forbearance. However, based on Cares Act sect. 3513 loan servicers are supposed to report suspended payments to credit bureaus as if the payments have been made and NOT use any type of forbearance or deferment code. I believe some of the servicers are not reporting correctly. On XX/XX/XXXX my XXXX  score dropped by 14 points even though my balance for my student loan had dropped. After filing an investigation with XXXX  it appears that XXXX is reporting to the credit bureau that my repayment status is in forbearance. This goes against Cares Act sect. 3513 : ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or and ( d ) REPORTING TO CONSUMER REPORTING AGENCIES.During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. 

Forbearance is typically a derogatory mark on ones credit report but since this is a special forbearance it shouldn't be counted as such per the above section of the CARES Act.

According to the Cares Act sect. 3513 loan servicers are supposed to report suspended payments to credit bureaus as if the payments have been made and NOT use any type of forbearance or deferment code. I believe XXXX  is not reporting correctly. I will be filing disputes with all three credit bureaus as this has had a negative impact on my score when per legislation this should not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
the above account does not belong to me nor did I have any knowledge of the account the account was open in result of identity theft sync/ppc  XX/XX/19 {$5500.00} .ive sent copy of the police report to the creditor

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