vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Expierian has had me locked out of my credit report for over a year, they keep lying and saying they will send me a copy, I kept complaining how inaccurate it was on the app so they locked me out of accessing it, I cant even order it online, and when I call they tell me theyre mailing it and dont ... I have excellent credit and anyone who checks it through them denies me and said theyre telling them my score is XXXX ... It isnt ... Every single hard inquiry they have needs wiped because they provided misinformation on them checks and I was denied things I shouldnt have been denied over it and can prove it ... XXXX XXXX sent me a letter telling me they said my score was XXXX and thats why I was denied ... All the other agencies have the right info ... I have asked they fix it over a year now and they still havent ... I have asked for a copy of the corrected report for over a year and they never send it just say they will ... At one point they had almost everything on my report wrong clear to my name spelling and social security number ; and when I sent the copy of the report back with the corrections that needed made hand written in and requested a corrected copy all of this started where they locked me out of viewing my report and refused to send a corrected copy ... I want all the inquiries wiped they provided the wrong information to those companies and I want to see 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 non-monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: OH

Complaint narrative:
Over the past year Ive been trying to find out my credit score, no matter what company I use none of them are able to identify my social security number. Ive confirmed with my social security card that its the correct number. 

Im very confused on where to go from here. What help is available?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I contacted Equifax on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, Equifax couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Over the past year Ive been trying to find out my credit score, no matter what company I use none of them are able to identify my social security number. Ive confirmed with my social security card that its the correct number. 

Im very confused on where to go from here. What help is available?

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 2021-02-07 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: CA

Complaint narrative:
I tried to pull my credit report and was unable too, I even tried to open a XXXX XXXX to get my report it says that my name and social has been used already and it gave me the name of the persons email that has been using my account for my credit. I will post in the document section below the email address that was used on XXXX XXXX to access my account. I was also unable to get access to my credit reports or Equifax XXXX  an XXXX. I will be sending an identity theft document to the 3major bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: CA

Complaint narrative:
I tried to pull my credit report and was unable too, I even tried to open a XXXX XXXX to get my report it says that my name and social has been used already and it gave me the name of the persons email that has been using my account for my credit. I will post in the document section below the email address that was used on XXXX XXXX to access my account. I was also unable to get access to my credit reports or XXXX XXXX an Experian. I will be sending an identity theft document to the 3major bureaus.

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 2021-02-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 50 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 50 days so they should be deleted promptly.

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 2021-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I submitted a 609 letter to the credit bureaus and still nothing they inquiries are truly haunting me Im trying to buy a house the following inquiries on my report are not mind. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Capital one XX/XX/XXXX Cap1/Neiman MRCUS XX/XX/XXXX Please block and remove them from my report i have tried everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I have a loan from Cash CentralXXXXDFS showing up on my credit reports as closed and charged off as bad debt and purchased by another lender. It shows the account was closed on XX/XX/XXXX. And opened on XX/XX/XXXX, with a balance of {$2500.00}. This lender was predatory and never disclosed the actual terms of the loan. It was not until later I realized that it was impossible to ever pay off the principal amount because the interest rate was in excess of 200 %. It violates every usury law and essentially set me up to default on my face. Further, I would have never taken out such a loan if I thought or knew that was the case related to the interest rate. I've disputed it through Credit Repair companies and it still shows up as an outstanding balance owed. Now sold to another lender. I've requested original documentation of this loan and it has never been provided to me. Further, the damage it has caused to my personal credit by their misreporting and intentional dishonest reporting practices should be just caused to have the items removed from my credit report indefinitely and to any future predatory company they claim to have sold the debt to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: DISCOVER BANK
State: OH

Complaint narrative:
XXXX has had me locked out of my credit report for over a year, they keep lying and saying they will send me a copy, I kept complaining how inaccurate it was on the app so they locked me out of accessing it, I cant even order it online, and when I call they tell me theyre mailing it and dont ... I have excellent credit and anyone who checks it through them denies me and said theyre telling them my score is XXXX ... It isnt ... Every single hard inquiry they have needs wiped because they provided misinformation on them checks and I was denied things I shouldnt have been denied over it and can prove it ... XXXX XXXX sent me a letter telling me they said my score was XXXX and thats why I was denied ... All the other agencies have the right info ... I have asked they fix it over a year now and they still havent ... I have asked for a copy of the corrected report for over a year and they never send it just say they will ... At one point they had almost everything on my report wrong clear to my name spelling and social security number ; and when I sent the copy of the report back with the corrections that needed made hand written in and requested a corrected copy all of this started where they locked me out of viewing my report and refused to send a corrected copy ... I want all the inquiries wiped they provided the wrong information to those companies and I want to see my report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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:
I bought 2 paintings from them XXXX  on XX/XX/20 After I received them, I decided I didn't like them and would like a refund, I contacted their support to start the process. 

I received shipping information, I paid for the international shipping back. 

After a month, the packages returned back to me, and XXXX  stated that XXXX refused my package because they didn't " order '' it. 

I contacted them about it and received no response. 

I initiated a dispute with my credit card company, Citi, and they trusted XXXX when they claimed there was custom form problems, which means they could have helped corrected but chose to do nothing and waste my efforts and money. 

Citi won't reopen or let me talk to anyone about the dispute and it's just " closed ''

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 2021-02-07 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: MA

Complaint narrative:
I've been trying to make a payment before the due date and the payment system isn't letting me set the desired date which is before the due date. 

I have tried to chat with any representative unsuccessfully, they just left me hanging with no answer whatsoever, very disrespectful and poor customer service. 

It is clear that they are charging all interests up to the due date instead of give the client the benefit of not paying daily interests. For a single client isn't a lot of money, but think about the strategy of deceiving millions of clients with the same tactic. I can imagine how many millions of dollars they are making with this single deceitful act.

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 2021-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This collection agency have been calling me everyday about 3 times a day. Also this company has been calling my family members. They have been telling me that they are going to sue me, every time they call me they harras me and intimidate me. They are being really rude to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received court documents " memorandum of costs after judgment, acknowledgment of credt and declaration of accurred interest '' from Midland Funding LLC dated XXXX XXXX. I contacted Midland on XX/XX/XXXX and paid the full amount of {$1100.00}. I recevied a " settlement arrangement complete '' letter from Midland dated XX/XX/XXXX. 

Today ( XXXX XXXX ), I received a " Notice of Wage Garnishment '' from Midland. The same court case number from the above paid account is the same. After paying this account in full and receiving a settled letter from Midland, the company still pursued a wage garnishment violating FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: CITIBANK, N.A.
State: GA

Complaint narrative:
While deployed with the United States XXXX I received late charges to my Macy 's credit card account. Prior to deployment I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the Macy 's collection department and reported negatively on my credit report with all three bureaus. Once off deployment, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the company through credit bureaus to have the account removed under the SCRA with no success.

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 2021-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: OR

Complaint narrative:
XXXX XXXX, 2020. I tried accessing my credit card year-end summary. It was not available online. When I asked where to find it, I was given a random URL ( https : //www.penfed.org/forms/credit-card-annual-summary-request ) to go to to request it. By random, I mean it isn't accessible from any links on the website. You have to know where it is. I also tried the search function with " credit card year end summary '' and then just plain " year end summary and it didn't show up. Once on the page, I found out it isn't just a page to get the summary, but to ENROLL in a REQUEST to get one AND the request has to be made by XXXX XXXX of the prior year. When I asked about this I was told ( paraphrased ) " nothing we can do ''.

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 2021-02-07 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
this company is aware of this fraudulent account. no actions have ever been made by this company on removing this debt in the amount of {$4600.00}. I have never used student loans or applied for any financial aid. This account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: NM

Complaint narrative:
I contacted Experian several weeks ago via their number XXXX. There are 9 new hard inquiries on my account, none of which I gave consent for. I am trying to improve my credit before applying for a mortgage this summer so I know I haven't authorized a single credit inquiry. I put a fraud freeze on my three accounts but after contacting each of the hard inquiry companies ( XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ; XX/XX/XXXX : XXXX ; XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX and contacting Experian again and putting a freeze on my account they haven't frozen my account OR removed the hard inquiries.

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 2021-02-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had 2 credit cards accounts with XXXX XXXX. They misapplied a payment, made 2 payments to one credit card and the other account was not paid. When I noticed this I contacted XXXX  XXXX, they took the money from the account and applied it to the correct account, and sent me letter stating this was done. However they never corrected the late payment entry on my credit report. I have contacted XXXX XXXX 3 times by phone, sent them 2 letters with all the corroborating evidence and detailing this info and also disputed this through Experian 3 times. And nothing has been changed. When I have tried to contact someone at the Dispute Credit Bureau dept at XXXX XXXX, I have been told there is no way to contact anyone instead I was told to send yet another written account of what happened. I have written to them and called, and they have yet to change my credit report even though by their own acknowledgement they misapplied the payment and fixed the payment. That makes absolutely zero sense, and when I call in the reps are very apologetic but they have said I need to write to them again.

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 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Capital One WITHOUT AND NOTICE froze my business checking and savings account with a total amount of {$57000.00}. As a XXXX XXXX, I have been banking with them for several years, XXXX XXXX  has been incorporated in XXXX. My corporation has never been audited by the IRS or fined in any way. Due to COVID, my business received both XXXX and EIDL assistance. Funds have consistently been used for rent, payroll, marketing, day to day operations, inventory, online fees in accordance with terms for both loans. Furthermore, the transactions and amounts withdrawn have been CONSISTENT for the past 5 years. After asking me questions for 3 hours, they refused to tell me why my account was frozen, what next steps would be, or timeframe. Meanwhile, my business for the past 12 years has been operating in good standing with all government agencies. With the pandemic, my business has been greatly affected and I have already missed thousands of dollars in payments, bounced checks, return fees, etc. I don't have funds to pay any of my bills at all and my funds have been frozen for absolutely no verifiable reason.

Company response to consumer: Closed with explanation