vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Because of the coronavirus I am not able to pay the car loan at this time. I am a senior citizen with serious underlying medical problems : XXXX XXXX XXXX and having been treated for XXXX XXXX. I do not bank online. The CDC and The White House Coronavirus Task Force wants me to social distance myself and so I can not go to the bank. The drive-up is no good because car loan payments may not be made there. I will not enter the bank to go to the ATM machine! It would be most cruel of the Bank of America not to honor my request at this time of growing threat of the coronavirus, especially for me who is in the high risk category!

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 2020-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
never applied for these 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 2020-03-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
never applied for these 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 non-monetary relief
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made payments on my Citi credit card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am being told by Citi the payments for XX/XX/XXXX and XX/XX/XXXX apply to no bill. They do not count toward my balance due. My bill for Citi is due XX/XX/XXXX. I received a notice of my bill posting on the XXXX. In fact the transaction history shows interest accrued and then my payment for {$500.00}. I made another payment on XX/XX/XXXX. I was told by Citi the payment for XX/XX/XXXX applied to XXXX bill but the payment for XX/XX/XXXX was a day late and didnt apply to the future bill or my old bill. I dont understand how I can make three payments in 39 days and only one of them counts towards an actual payment. How is that right? Or ethical? So its as if the payments dont count.

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have a bankruptcy that is over 10 years old and every time I dispute it with equifax they deny it, saying the information is correct. Im fighting it should be removed because of the age. Anything over 10 years old should not be showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
never applied for these accounts

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 2020-03-16 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: TN

Complaint narrative:
never applied for these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
never applied for these accounts

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 2020-03-16 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: TN

Complaint narrative:
THESE ACCOUNT WAS OPEN WITHOUT ME KNOWING I JUST STARTED USING 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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis, XXXX  XXXX and XXXX doesnt have permission to report on my credit report the information inaccurate and I requested it to be removed Bankruptcy Court doesnt report to these companies however the searches for public reporting and they add information to my credit report third party billing company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian failed to conduct a proper investigation as to a dispute between myself, XXXX XXXX, and XXXX XXXX. Experian alleges to have opened a dispute as

of XX/XX/2020, and gave notice that the dispute was complete, and closed as of XX/XX/2020. A review of their online records dated XX/XX/2020 r
eveals that Experian did not allow a consumer statement disputing the charges against XXXX and XXXX XXXX, and didn't properly investigate the dispute. Additionally Experian only allows 210 words for a dispute which is not legally sufficient in order to transmit useful information. 

The outstanding issues between myself and XXXX and XXXX XXXX are : XXXX not recognizing the one year warranty. 
XXXX not disclosing correspondence from XXXX XXXX during the first 30 days advising they would fix the laptop. 
XXXX not disclosing correspondence from XXXX XXXX within 7 months after purchase advising that the company was not able to honor its warranty. 
XXXX extended warranty program not admitting or willing to look at the correspondence referenced earlier in this communication. 

These issues need to be investigated, and if XXXX can't supply it to the credit reporting companies then their complaint should be completely removed as erroneous. The problem is that XXXX like most institutions pays a lot of money to the credit bureaus so there is an automatic bias in protecting their views. 

In summary, Experian is liable for no consumer statement, and no proper investigation.

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 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Sunrise Credit refuses to talk to me because they " can't find my account without the account number '' and has placed a fraudulent debt on my credit report which I can not dispute because they can't find their own account number.

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX, XXXX  Transunion and XXXX  doesnt have permission to report on my credit report the information inaccurate and I requested it to be removed Bankruptcy Court doesnt report to these companies however the searches for public reporting and they add information to my credit report third party billing company

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 2020-03-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am unemployed seeking employment and I have been denied employment because of the fake news contained in my credit file. There are numerous inquiries that I have never engendered and I've never even heard of these companies. There are fake telephone numbers on my credit file I have never had, there are fake address to places where I've never lived too. 

My credit file with Experian contains a lot of fake news. The information contained in the credit file belongs to the consumer and if it is inaccurate or contains misleading information, the consumer has the right to correct the information. While I was legally XXXX  for XXXX, my identity was stolen from me and I took appropriate action notified the Credit Reporting Agency ( CRA ) in  this complaint with a Fraud Affidavit and proof of legal incapacity. I notified federal law enforcement. 

The CRA in this complaint told me to contact all the companies. I did. I notified the companies that inquired on my credit file to remove and/or correct the erroneous information from my credit file. They all told me that the CRA does that, not them. 

I then wrote the CRA in this Complaint that I've already spoken to the various companies that inquired in my credit file and they all told me there's nothing they can do about it. I being jerked around by Experian.

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 2020-03-16 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: IL

Complaint narrative:
Experian is reporting a dismissed bankruptcy does not belong to me. I have asked them for a method of verification and all I get is that it was verified through XXXX. I have contacted XXXX myself and I do not have this bankruptcy on my file. I have attached a screenshot of the public records section of my credit report. I have a credit monitoring service through XXXX. And as you can see experian is the only one that is reporting this bankruptcy. It is a fact that bankruptcy stays on A report for 7 to 10 years, it was filed XX/XX/2016 Which means it will still be on my report to this day with XXXX  and XXXX  as well. My question is how is it that XXXX XXXX and XXXX   are not reporting this and they go through XXXX as well To verify information? I truly believe when I dispute this bankruptcy experian is not doing a thorough investigation.

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 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I sent this company a dispute letter on XX/XX/XXXX with no reply or response in regards to the debt they are inquiring and reporting. They inserted an account on to my credit report on XX/XX/XXXX without validating or verifying any information.

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 2020-03-16 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I leased the vehicule XX/XX/XXXX. Paid monthly on time sometimes even paid more than needed. Unfortaneyly in XX/XX/XXXX i get arressted and go to jail until XXXX the vehicule gets taken while i was in custody.. when i got it and looked it up it shows me that Lobel Financial charged off the account in XX/XX/XXXX and CLOSED THE ACCOUNT in XX/XX/XXXX as well.. They also recieved one last paynent of over {$2000.00} for the vehicule. Now a couple months after that they are continuing to add on $ owed to them and the collection owed amount has continued to rise, regardless of them closing the account and charging it off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
2 FRAUDULENT CREDIT CARD ACCTS. WERE OPENED AT AMERICAN EXPRESS. I CONTACTED AMEX AND FILED A POLICE REPORT WITH XXXX POLICE DEPARTMENT..POLICE REPORT # XXXX. THEIR PHONE # IS ( XXXX ) XXXX. PLEASE INVESTIGATE AND RESOLVE THIS MATTER, AS IT IS RUINING MY CREDIT SCORES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage was transferred to NewRez Mortgage LLC in  XX/XX/XXXX. I reviewed account online in XX/XX/XXXX to discover a {$15.00} fee pending. I called on XX/XX/XXXX and was told it was for an inspection and nothing else. I was instructed to write them to dispute it. I emailed company on XX/XX/XXXX. Mailed a hard copy the next day. After several weeks, I heard nothing. I received a notice in mail that NewRez was attempting to send me a large envelope that the PO would not deliver that day. I complete the form online for the PO to deliver it but it still never arrives. However I called NewRez that evening. After talking with many representatives, I was accused of being 42 days late in XX/XX/XXXX. After about 30 minutes and I had every payment documented with my statements, they corrected that statement and CONFIRMED that I was NEVER late. Said it would take 2 weeks to correct the fee. On XX/XX/XXXX I called again and they once again said it would take 2 weeks to clear. I emailed them once again on XX/XX/XXXX and still no response. They acknowledged the fee is in error but not clearing it. It now makes it where I can not pay extra into escrow account until the fee is paid so it is affecting my ability to pay correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: U.S. BANCORP
State: CA

Complaint narrative:
Last year 2019, U.S Bank reported me and my wife for being 30 days late on our mortgage during the government shutdown. We filed a complaint here and they eventually sent us an apology stating we shouldn't have been reported. The 30 day late status WAS removed from our credit report but our points were not reinstated. When we were reported, they took approximately 70 points from both me and my wife. After removing the 30 day late status from our credit reports in XXXX, we still haven't seen those points returned to us.

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 2020-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The attached picture shows Transunion caught in fraud, I have one picture from XXXX XXXX that shows the correct amount, and one picture from Transunion that is malicious. Action

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 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX is claiming that I owe them money when I clearly dont there services were on a month to month basis. I even paid them the last month bill and they sent me a bill asking for a specific amount once I told them that what you are asking is another month of service after I switched to a new car insurance because it was more affordable they said either pay us or we are sending you to collection and potentially hurt your credit and to me that is not fair. At all they are thieves.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank is lying about a charge. 

I noticed a {$3.00} charge on XX/XX/XXXX from TD Bank that I didn't recognize on my XXXX XXXX account. As TD Bank refused to tell me what the charge was for, I submitted a dispute with XXXX XXXX. I also filed a complaint against TD Bank # XXXX. 

TD is lying - they claim that the charge is a recurring transaction on my credit card that I authorized on XX/XX/XXXX. However, I never authorized such charge. And there have been no other XXXX payments to TD Bank since then. 

They also claim that the amount in question was on XXXX when in fact the transaction per my XXXX XXXX statement was on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: MI

Complaint narrative:
I have six payments left with LC. My payment was due on XXXX and I am late paying it. I went on their website to see payment options and look at total balance. When I clicked on make a payment, their system automatically set up a payment for today 's date and said it will take it out of an account that I set up when originally set up loan. There was no option to cancel the payment. I received an email thanking me setting up payment when I never set up a payment. I simply clicked on make a payment thinking that I'd have an option to set up a date but it automatically set it up for the day you click on make a pyament. That is wrong! I will mail the payment and don't wish to do any further business with this company. THey are unscrupulous and shady. If you fall late they do shady things to get you to pay like what I have described above. I so look forward to being done paying them off -- -six payments to go but this is wrong. So I file my complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Filed prior complaints. Still showing me late on credit reports and won't fix. Can't get approved for new mortgage and they just increased my payment to {$1500.00}. They are over charging on payment and escrow. My payment is {$830.00} plus {$61.00} taxes and {$280.00} insurance Attaching copy of agreement.

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 2020-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to XXXX   PORTFOLIO RECOVERY XXXX, VA XXXX I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by Portfolio Recovery Associates XXXX for me, [ XXXX XXXX ], for account number Ref Id XXXX and Case XXXX ( references from the letters I received from Law Firms ). 

Due to possible inaccuracies in these credit reporting agency reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 
Please know that you have 30 days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from the credit reporting agency reports. 

I found out about this getting letters from Law firms offering debt collection advice. I will file an complaint with the Consumer Financial Protection Bureau about your unethical business practices. 
XXXX XXXX XXXX I called them and I have NO accounts.

Company response to consumer: Closed with explanation