vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get some incorrect information investigated on my credit file and none of the bureaus have responded. I have tried twice already and I still haven't received anything??? The first letter to each company was send on XX/XX/XXXX of this year then XX/XX/XXXX How is this right? I gave them all the documents they website indicated would be needed to investigate things so they can't use that as an excuse.

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 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
every time i try to use the care-credit card it does not go though, esp if you need to use it in the ER

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 2020-06-25 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: CORELOGIC INC
State: CA

Complaint narrative:
Upon conducting a personal credit reporting review, I noticed that a company named CRECO conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. 

This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. 

No consumer notification was submitted and this negligent act resulted in the personal credit damage. 

CREDCO conducted unauthorized credit check for the following dates :XX/XX/XXXX, XX/XX/XXXX, and XXXX XX/XX/2020.

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 2020-06-25 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: CA

Complaint narrative:
I currently have several general and store credit card accounts through Citibank. Due to previous economic hardship, I opted to close the accounts and pay off the remaining balances with monthly payments made through a debt management plan. I have been making regular and timely payments through this plan for over a year. 

As a consequence of the recent Covid-19 pandemic, I lost work and income. I saw that Citibank offers temporary ( one- to two-month ) Covid-related payment deferrals to its customers, so I called on XX/XX/2020 to arrange deferrals for my credit card accounts. I was told by several very polite and apologetic customer service agents that because my accounts were being paid through a debt management plan, they did not qualify for deferral. The agents mentioned that since such accounts are not charged late fees, I could just choose to withhold payments for a month or two. However, they noted the accounts could still be reported as delinquent if I chose to not make payments. 

Policies such as these unfairly penalize customers most in need of aid. A one- or two-month payment deferral on these accounts would significantly ease the financial strain on me and my family, prevent me from having to take more drastic steps ( e.g. bankruptcy ) that would further harm the credit I am trying to rebuild, and help me to continue paying off my balances in a timely manner after the deferral period. I am surprised by the company 's lack of compassion and understanding at this difficult time.

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 2020-06-25 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: TX

Complaint narrative:
Experian has had months to resolve the fraudulent accounts on my credit file that resulted from identity theft, and yet they continue to refuse. There are two accounts on my credit report which are being incorrectly reported to Experian, from a XXXX XXXX XXXX XXXX XXXX XXXX. These are two Credit Cards, Which I never opened. I provided Experian an FTC Law Enforcement Affidavit, Which is signed under perjury explicitly explaining the crime, and the details and times/ dates that the identity theft occurred. I never received a single credit card from XXXX not even once. I advised the company of this, and Experian either tells me they have validated the " information '' With the merchant. Or that the merchant does not know how to contact me. This isn't true as I have already been in touch with XXXX and advised them that both accounts were opened as application fraud, XXXX has reopened the account with several different numbers each time it's the same fraudulent credit card. I did not authorize any accounts to be opened with XXXX. Not in XXXX, and not in XXXX. Both were opened in XXXX of their perspective years. Neither card was authorized, Neither card was used, and neither card did I sign nor agree to open. The accounts are fraudulent, opened using stolen Identification. These were not authorized. They used an email that was found on the dark web. XXXX and Experian refuses to investigate it. Instead keeps siding with their Vendor. This is a crime this is identity theft and they are incorrectly reporting these accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name XXXX XXXX {$2600.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$2200.00} XXXX XXXX {$980.00} XXXX XXXX {$6000.00} XXXX XXXXXXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I spoke with XXXX XXXX at QuickenLoans on XX/XX/2020. He took my information, crunched some numbers and said I was approved. I moved money around to clear the forbearance I had in place that was offered to me by XXXX XXXX ( didn't realize it was a forbearance, I just thought they were being nice by giving me a 3 month pass then put it on my credit report ). And sent in my tax returns as requested. He said with {$500.00} earnest money we'd be all set. 

The next day I get a call after sending in my info from a XXXX saying that I needed 6 months reserve. This was never mentioned in my initial conversations and had it been I would've told them there's no way and we could've cut this whole process short. Now I'm out some penalty fees for moving money around that I won't get back from QuickenLoans. 

Classic bait and hook predatory lending schemes. I thought they were better than this but I guess not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX  XXXXUnder Dispute XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX COUnder Dispute U.S. DEPARTMENT OF XXXXUnder Dispute all ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UPGRADE, INC.
State: TX

Complaint narrative:
XXXX XXXX adv this upgrade cr card, but it wants you to put in your banking info, i refuse as it supposed to be a cr card not a loan. They want to put the funds in your bank account. to make it a loan and start charging inst rest right away

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vericred Solutions LLC
State: AZ

Complaint narrative:
Upon checking credit, noticed a new collection added as of XX/XX/2020. Company ( VERICRED FINANCIAL SOLUTIONS LLC ) is unreachable, as well as the alleged original creditor ( XXXX XXXX XXXX XXXX. I have never done business nor received loans from this entity. The amount they have attempted to collect is {$4100.00}. I also noticed that they inquired in XXXX, and then placed a collection for the amount on my credit with a date of XX/XX/XXXX XXXX less than 60 days after initial inquiry ). Bothcompanies are Colorado based and can not be reached via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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:
Letter of Complaint : Refuse to Validate Debt For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with Experian, XXXX XXXX, XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian, XXXX  or XXXX, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, Experian and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

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 2020-06-25 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo deposited a check I'd generated payable to the order of XXXX XXXX XXXX into their corporate-client XXXX XXXX XXXX Wells Fargo Acct # XXXX. They refuse to return the money to my account for their error and are advising it is MY responsibility to get those funds back from 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 2020-06-25 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: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Hyundai Motor Finance charged my wife and I for a personal property tax and late payment fees on our leased XXXX XXXX XXXX without informing us of the tax charge. We are on autopay and pay our bills timely each month. We were never informed that there was an outstanding personal property tax charge or associated late fees. 

Today, XX/XX/2020, we learned that our credit scores were destroyed by Hyundai, which claimed to the credit bureaus that the personal property tax and late fees were delinquent. We were never made aware of the situation, via email, phone call, or regular mail. In fact, we only receive monthly emails that our autopay payment has been received. 

We reached out to Hyundai Motor Finance today to no avail. We will not be doing any further business with Hyundai when this lease is over.

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 2020-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Ive been having trouble making my payments in EVERY bill I have due to this pandemic. XXXX inside of Value City Furniture has repeatedly called a harassed me about payments when Ive explained to them SEVERAL times the issues Im having. Im angry and fed up with the harassment. Once I receive the help Ive applied for or when I am able to return to my normal working hours I am willing to pay whatever I owe as Ive told them several times, but they continue to call me everyday and harass me and ask the same questions over and over again. This is very stressful for me as I already have a lot going on not only trying to figure out bills and how I will feed my child but also my childs health  issues. She is high risk for covid complications and is also suffering from 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 explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have been harassed by a gentleman calling me up to 3 times a day. The bill that he is calling about is not mine. I am listed as an emergency contact. Last conversation I was repeatedly badgered from a block number. I was called a clown and my livelihood was questioned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
I lost my job at the end of XXXX due to COVID-19. The only financial assistance Ford Credit is offering is in the form of deferring one payment with a {$98.00} fee. That doesn't help the situation whatsoever, it only makes it worse. It seems to me that it's only a way for Ford Credit to get more revenue while taking advantage of a global pandemic and people losing their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I have three credit cards issued by Citibank. I have NEVER been late on payment. Instead, I always made my payment on time. And over the years, for several times, I have paid off completely the balances on these three credit cards, showing both my good will to be a good customer and my ability to financially manage my credits/debts. Also, I have a very stable job as an XXXX XXXX in a large public university, with annual income over {$180000.00}. Fairly speaking, I have no issue whatsoever paying off my credit card balances. 

To my very surprise, on XX/XX/XXXX, Citibank has notified me that they have updated my credit limit. Specifically, they have significantly lowered the credit limit of ALL my three Citibank credit cards, which almost erased all the rest of " available credits '' at that point. Accordingly, the percentage of debts on all my three credit cards have increased in a sky-rocket way. That consequently had a significant and negative impact on my credit score. I feel that as a long-time loyal and good-record customer ( about 13 years ) with Citibank, I have been discriminated against by Citibank with significant adverse impact on my credit score.

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 2020-06-25 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I returned two florescent light tubes to XXXX XXXX in XXXX, MO for credit and I received a credit of {$18.00}. My next billing statement indicated two credits for that same amount, but I believe only one was valid. 
On my XXXX, XXXX statement, I noticed two strange entries : XXXX Trans Bal Between XXXX ( XXXX ) and each was for {$18.00} I called the credit card company and asked what this was all about and was told that they reviewed the account and to make it balance they reversed both credits. This was about ten months after I returned the light tubes. What a delay! 

Since I called, I have had no satisfaction nor do I understand why they reversed both credits. I have made numerous attempts to resolve this, but no success. Perhaps one was a duplicate, but certainly not both.

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 2020-06-25 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name XXXX XXXX {$2600.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} XXXX XXXX {$980.00} XXXX  XXXX {$6000.00} XXXX XXXX {$3500.00}

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 2020-06-25 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name XXXX XXXX {$2600.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} XXXX XXXX {$980.00} XXXX XXXX {$6000.00} XXXX XXXX {$3500.00}

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