vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a {$130.00} XXXX account that was fraud that was reported as a delinquency on my credit report. I disputed with XXXX who quickly agreed it was a fraudulent account and agreed to work to get it removed from my file. I was trying to refinance my mortgage and this drastically affected my credit score. XXXX  and XXXX  have since removed this fraudulent delinquency from my file, but TransUnion is dragging their feet on removing this item from my credit. 

I called twice now and they said the only way to supplement the file with more information is to mail or fax the info over and they would have several days to process. They also ask for a copy of my social security card and drivers license with the fax or mail. That puts my identify at even higher risk for fraud. There is no way to expedite this so I am not unduly hurt with my attempt to refinance if rates go up while waiting for TransUnion to fix this fraud.

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 2020-07-30 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: Self Financial Inc.
State: GA

Complaint narrative:
This was a loan from XXXX  XXXX XXXX. I paid the loan off on XXXX XXXX. It seems that XXXX of my credit reports are being updated monthly. But XXXX I believe XXXX  is not being updated at all.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

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 2020-07-30 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY  DISMISSED  XXXX {$0.00} XXXX XXXX  XXXX {$200.00} XXXX  XXXX  XXXX {$460.00} XXXX XXXX $ XXXX XXXX  XXXX {$590.00} XXXX  XXXX {$590.00}

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 2020-07-30 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISMISSED  XXXX {$0.00} XXXX XXXX  XXXX {$200.00} XXXX  XXXX  XXXX {$460.00} XXXX XXXX $ XXXX XXXX  XXXX {$590.00} XXXX  XXXX {$590.00}

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 2020-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lending Club Corp
State: TX

Complaint narrative:
Due to the COVID-19, I contacted Lending Club for suspension of my automated deduction payments until I return to work and start earning steady income. They agreed to suspend the payments for two months and contacted me to start making payments in XXXX after suspending payments for XXXX and XX/XX/2020. I told them that I had not been able to start working yet due to the uptick in COVID-19 cases in Texas but they told me that at least I should do whatever it takes to makes interest payments so they deductted {$370.00} from my checking account and scheduled another interest payment for the same amount for XX/XX/2020. Despite the hard times, they also sent me an email demanding another payment of {$890.00} on XX/XX/2020, thus collecting two payments within the same month despite the fact that I have not been able to return to work. I tried to call them to explain but nothing changed and they told me that they were going to damage my credit if I don't make the payments. Anytime they will attempt to deduct any payments from my account and there are insufficient funds, the bank will charge me fees adding more to my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I requested a deferment through the CARES Act on my Citibank card. I was granted a deferment. During the last 2 months they continued to charge interest. I realized this was happening when I received an email that I went over my credit limit. Knowing I had not used the card, I found out it was because of the interest they were charging me that put me over the limit. I do not want to be over the limit and was doing everything possible to remain in good standing on all fronts so I called them to inquire what I could do to ensure that wouldn't happen. They said I could pay ( even while under the CARES Act deferment ) to ensure that wouldn't happen again during the deferment ( which for me is set to end on XX/XX/XXXX. I paid a sizable amount to not only bring my account under the credit limit, but to also ensure that I had some breathing room and I wouldn't go over my credit limit again due to interest charges. 
Fast forward to today when I receive a letter that my credit limit has now been decreased ... which is yet another thing to affect my credit score. I have spent hours of my life before and during the pandemic inquiring about how to get on a payment plan with 0 % interest so that I could pay down my balance. I was told that during the coronavirus deferment period, I can not be taken off of that status to consider another program. I was told to call back on XX/XX/2020. 
So, although they have made consumers believe we are 'safe ' from credit card payments during the CARES Act, I had to make one to keep 'current ' due to interest charges and then only to have my credit limit decreased. I will have to make another minimum payment in order to not be over my limit again next month due to the interest they will charge me for past purchases. Therefore, I have not gotten any kind of 'break ' due to the coronavirus deferment that I can't even get off of until next month. 
They seemed to have found a way to thwart a consumer 's desperate need to keep current and in good standing during this awful time where so many are out of work. Once I pay this card down I will never be their customer again. It is abhorrent that during this time when they pretend to help their customers, they are actually finding the other ways they can make money and hurt the consumer 's credit. Regardless of my current circumstances and deferment, they are betting on me paying so I will not go over my credit limit again. I would've just paid during the past few months if I knew this was going to happen. And, I would have ended up in better standing with Citibank. This was the exact opposite of what the CARES Act was meant to do for consumers.

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 2020-07-30 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my 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 2020-07-30 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my 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 2020-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Covid 19  caused me financial hardship so I could not make my Citi Card Best Buy card payments. I advised Citi of this and instead of working with me Citi closed my card and damaged my credit.

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 2020-07-30 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: OR

Complaint narrative:
In XX/XX/XXXX i had an agreement with Synchrony Bank for Paypal Credit to have 2 auto pay deductions to pay off a credit line. They only took 1 payment and never notified me of the remaining balance. On XX/XX/XXXX i pulled my credit from annualcreditreport.com so I can prepare for a new job. I discovered that the balance is still showing up on my credit as a charge off. I called Synchrony bank right away, and they advised they has no notes about the auto pay, but showed the settlement amount, and the last payment due as well as the first payment taken. 

I then called back on XX/XX/XXXX to pay off the account. I requested that they send me something in writing showing it was paid off, and they refused. They claim they can not send me anything, they can only give a confirmation number. I then asked for them to send me a statement to show what's left owing. Again, they refused claiming they can not send me anything. I asked to speak to a supervisor and was told they don't have any. I requested to speak to someone else and they refused. I continued to ask for something in writing showing what I owe and the representative hung up on 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 2020-07-30 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: DISCOVER BANK
State: TN

Complaint narrative:
Covid 19 has caused me financial hardship and prevented me from making payments to my Discover card account sufficient pay off the bill. Instead of working with me Discover Card has been grossly overcharging me interest so that the payments I do make do not even impact the principal amount owed on the card. I have been a Discover card member since 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have numerous unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a hotel reservations for {$400.00} for two nights and paid in full. However, after the purchase and right before I was due to check in and get " check in instructions '' the company tried to get another {$75.00} ( security fee ). This fee was never disclosed when making a purchase ( do not confuse this with a security deposit, which is very common. This was an additional fee ). I canceled immediately because I did not agree to this. I disputed this with Capital One. I even provided all the documentation to prove my iron clad case. Needless to say, Capital One dropped the ball and claims I did not send in documents by the XX/XX/XXXX XXXX EST deadline. However, I have tracking that proves they got it on XX/XX/XXXX at XXXX. ( USPS Tracking # XXXX XXXX. After spending a few hours talking to non-helpful employees and a so called " supervisor '', they ended the call. Someone dropped the ball at Capital One and regardless of how much documentation they have refused to help or even provide a manager 's contact info for further escalation/resolution. I know without a doubt this would have been reversed due to all the documentation I had from time of purchase. It was just denied because of their " internal policies and the processes they have ''. 

This can not be legal or allowed. I will give you a perfect analogy as to what took place. Let 's say you agree to buy a football for {$1.00} and we agree to meet downtown somewhere on Friday afternoon. But I'm supposed to email you instructions of where I'll be. Well, no email is sent and you end up calling me and I tell you, I'll give you instructions after you pay {$5.00} for a secuirty fee. What would your response be? You would cancel the transactions correct? Well, too bad, I have a no cancellation policy and capital one just ruled against you, even though you provided documents that proved you paid for everything and that {$5.00} secuirty fee was never disclosed.

Get the point? Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 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 am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

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 2020-07-30 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 pulled my credit to myself for the first timeand I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$16000.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$360.00} XXXX  XXXX {$260.00} XXXX  XXXX {$120.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$930.00} XXXX  XXXX {$250.00} XXXX   XXXX  XXXX {$980.00} XXXX XXXX XXXX  XXXX {$1800.00}

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 2020-07-30 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 pulled my credit to myself for the first timeand I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$16000.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$360.00} XXXX  XXXX {$260.00} XXXX  XXXX {$120.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$930.00} XXXX  XXXX {$250.00} XXXX   XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX {$1800.00}

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 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a free checking account on XX/XX/20 with a {$100.00} opening deposit from another bank account of mine. 

On or about XX/XX/20, I received a letter dated XX/XX/20 that said I needed to come in to a branch with documents to verify my identity or my account would be closed by XX/XX/20. 

The nearest BMO branch to my home is a two hour drive one way, and receiving the letter almost 10 days after it was postmarked caused me to just give up trying to fix the problem and I planned to just wait for the account to be closed and my opening deposit to be refunded. 

I have not received that opening deposit refund as of today, XX/XX/20, over a full month after the account was opened and 22 days after the account was supposed to have been closed. I called BMO today and the agent I spoke with said a cashiers check was sent XX/XX/20 to the address on file, but when I said I hadn't received it, she said all I could do to get my money back was go to a branch.

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 2020-07-30 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 couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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 XXXX {$2700.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation