vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I was reported 30 days late by Target Redcard. Never received anything from them, paid bill off completely when given a notification from a credit monitoring service. Have never been late on a payment ever. Called and claimed that they launch an internal investigation. They then admitted that they didnt even have my correct address of file for correspondence ( other than email statements ). I dont believe that a reasonable person would evaluate the foregoing situation and deem my acts as negligent. Im attempting to repair my credit after this, and it seems malicious to not extend one mulligan to a customer with, up until this point, perfect credit. Their internal investigation is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed two accounts on my credit report that I did not recognize. I have never had XXXX  XXXX or XXXX. I never even use my credit. This has to be identity theft because I never solicited these credit accounts. Please help 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 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: First Credit Services Inc.
State: WA

Complaint narrative:
Received on XX/XX/XXXX a letter in attempt to collect a wrongful debt from { first credit services , inc } on behalf of their client XXXX XXXX XXXX XXXX XXXX or ( XXXX ). XXXX could not provide any accurate information or confirm the validity of the initial signed agreement for the product which was a certification coarse totaling in the amount of {$2600.00} in which is trying to be collected. A social security number was not obtained to purchase this product and neither First credit services nor XXXX itself can validate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 was not properly disclosed by the company of this debt or associated with thereof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I paid off the majority of my credit card : Freedom from Chase. I have never had a late payment with them. As soon as the pandemic for Cornavirus hit, Chase decided to reduce my credit limit drastically. I have not used my credit card, but this has damaged my debt to credit ratio drastically. According to Chase they reduced my credit limit from a credit report that was pulled on XXXX XXXX, before the pandemic. They decided to reduce my limit until I paid it off and the pandemic hit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Case no : -Incorrect reporting on credit file. 

This is with reference to my XXXX credit card -Act. # XXXX and also with reference to last four digit card no XXXXi have send few letters and called also several time, with reference to the incorrect reporting about late payment for XX/XX/2019, At that time also I explained why it was not correct and when I contacted the member service for the payment, they advised that its not going to affect my scores and it was well within the pay period date. I also told by Customer service later that they have send communication to reverse when I contacted on XX/XX/2019.but nothing happened after that Also the online payment facility was blocked and my direct payment didnt go through which has created more of a problem, As result, I am facing consequence of the same and it is still showing on my credit history and this is very negatively effecting me and my current situation May I kindly ask you to please check and revert back, the in correct remark on my credit file and help clear the late reporting on XX/XX/2019

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 2020-04-10 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: ID Analytics, Inc.
State: FL

Complaint narrative:
on XX/XX/2020 I received a letter from XXXX XXXX stating that my car loan was denied due to the fact that my credit was pulled from SageStream LLC, a company I have never heard of and I am concerned that they have all my information in their system. The 3 credit reporting agencies and bureaus that I trust are the 3 well known ( XXXX, XXXX   and XXXX  ). To my knowledge, these are the only reputable and valid credit bureaus. 
My credit score through XXXX is XXXX which is considered excellent. However, Sage Stream gave me a credit score of XXXX through their system which affeted my ability to get the loan approved.This is faulse information being circulaed about my credit history and score. 
My concerns are as follows : 1- I am not comfortable with having a random company that claims to be a credit reporting agency to collect and share information about me. 
2- The information that is being shared with the lenders is faulse and does not reproesent my credit history accurately.

3- I would like SageStream LLC to remove my information from their system as I believe it vilolates privacy rights and it also gives faulse and inacurate information about my credit that contradicts what the 3 major credit bureaus ( XXXX  , XXXX  and XXXX  ) credit score says about me.

4- Sage Stream LLC is providing inaccurate credit scores about consumers which results in loan denials or loan approvals with very high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed two accounts on my credit report that I did not recognize. I have never had XXXX  XXXX or XXXX. I never even use my credit. This has to be identity theft because I never solicited these credit accounts. Please help 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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed two accounts on my credit report that I did not recognize. I have never had XXXX  XXXX or XXXX. I never even use my credit. This has to be identity theft because I never solicited these credit accounts. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have attempted to make my monthly payment online through Ally 's website on multiple occasions. The first payment was made on XX/XX/XXXX ( confirmation number XXXX ) in the amount of {$1000.00}. The following day, I received a notice stating my payment was suspended. I contacted Ally customer service and explained what happened. I was told that because the account was still under repossession status, that is why the payment was rejected. The customer service rep assured me that the account was updated and that on the next business day a payment can be made. On XX/XX/XXXX, a new payment was made ( confirmation number XXXX ) in the amount of {$1000.00}. On XX/XX/XXXX I received another email stating my auto pay was suspended AGAIN. On XX/XX/XXXX, I proceeded to do a chat with a representative to correct the issue yet again. During this chat, I am told that I have to make 6 consecutive payments with certified funds. At this point my payment is late and my XXXX payment is now due. Given we are in the middle of a pandemic, I am attempting to make a payment online and avoid going to a financial institution ( which is currently closed ) to obtain a certified check. Ally will not assist me in allowing me to make an online payment via my bank account. This request is utterly ridiculous. I proceeded to contact Ally customer service at the 800 number to speak with a supervisor. The first representative hung up on me after I complained. The second representative attempted to help me. However, instead of presenting a solution to the online payment dilemma, the representative attempts to convince me to apply for a 30, 60 or 90-day extension due to COVID-19. She advises me that my payments would be added to the end of my loan. I am not having financial problems that I need to apply for an extension ( and pay more in finance charges ). I DO NOT NEED AN EXTENSION. I JUST WANT TO MAKE MY PAYMENT. Why is this so difficult?! I requested to speak with a supervisor. The representative placed me on hold and after 3-5 minutes on hold, she hung up on me. I am beyond frustrated with Ally at this point. I have own several vehicles of which I financed or leased with Ally. I have never had such a horrible experience before. 

I am requesting a call back from a supervisor/manager to resolve my issue immediately. I want to be able to make my online payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE READ THE FEDERAL FAIR CREDIT REPORTING ACT AND IN THE LAW, CONGRESS SPECIFICALLY SAYS A CONSUMER ONLY NEED PROVIDE PROPER IDENTIFICATION. YET, XXXX  DENIED ME A CREDIT REPORT BECAUSE THEY STATED THE FCRA REQUIRES ME TO PROVIDE A UTILITY BILL. PLEASE HAVE THEM SHOW ME IN THE ACTUAL LAW WHERE IT STATES I MUST PROVIDE A UTILITY BILL. A FRAUD ALERT WAS PLACED WITH XXXX  IN LATE XXXX. I AM ENTITLED TO 2 FREE CREDIT REPORTS WITHIN A YEAR. 
MY BIRTHDAY IS XX/XX/XXXX AND MY PREVIOUS ADDRESS HAS BEEN XXXX XXXX XXXX, XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI

Complaint narrative:
Bank owed me rewards in the amount of {$160.00} per statement on XX/XX/18. 
Bank never paid the reward per their Terms and Conditions instead they " Ajusted merchandize XXXX NY '' per statement on XX/XX/18 and froze my account, nobody would talk to me until I appear to the branch. After my card was unblocked nobody could find the funds and my emails and voicemails to executive office never returned. I did not purchase anything in XXXX NY. The funds have vanished. Please view statement attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
This is with reference to my Capital One credit card with reference to last four digit card no :XXXX.i have send few letters and called also several time, with reference to the incorrect reporting about late payment for XX/XX/2018, At that time also I explained why it was not correct and when I contacted the member service for the payment, they advised that its not going to affect my scores and it was well within the pay period date. I also told by Customer service later that they have send communication to reverse when I contacted on XX/XX/2018.but nothing happened after that Also the check which i had sent for payment was never acknowledged which has created more of a problem, As result, I am facing consequence of the same and it is still showing on my credit history and this is very negatively effecting me and my current situation May I kindly ask you to please check and revert back, the in correct remark on my credit file and help clear the late reporting on XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted a complaint on XX/XX/2020 with CFPB about Equifax. # XXXX The complaint was that I had looked at my credit report online and there were accounts listed on my report that I did not recognize. They also did not have any identifiable information to tell me who and what they were. I submitted screenshots to you of them. There was a company response on here after I submitted my complaint XX/XX/2020 saying they were still investigating. It is now XX/XX/XXXX and the investigation has taken more than 30 days so far and I was not notified of investigation status or results. They also did not/have not fixed the error on the report. I was sent several letters on different dates stating they were unable to locate a credit file with my identification information provided. This seems like stall tactics to me. I faxed my drivers license, social security card, and recent bill to them for identification purposes and still no results. I would like this information removed from my credit file. They have not took the time to properly verify/validate the information before putting on my credit report and have not responded in a reasonable amount of time. If Equifax properly verified/validated this information confirming and proving these are my accounts, they should be able to respond in a timely fashion. They should also be able to send me proof of identifying information such as a contract with my signature showing that I have a contact with these accounts. This information is destroying my credit file. I've download some of the same letters they keep sending me. I could not find them all. I was receiving some multiples on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XXXX XXXX I opened a dispute with Citibank in regards to a purchase of {$1300.00} on a bicycle that was falsely advertised to fit an individual XXXX XXXX ''. I have submitted all requested documentation. A conditional credit was applied once, in early XXXX ( I'm not sure of the exact date. This conditional credit was reversed on XXXX XXXX and I was told that I could submit additional information to reevaluate the dispute. I submitted additional information on XXXX XXXX and was informed I would again receive my conditional credit within 2 days. As on XXXX XXXX I have still not received this conditional credit. I contacted Citibank on XXXX XXXX requesting the conditional credit but was informed the case had been closed. I have again contacted Citibank on XXXX XXXX and I am currently awaiting a response. As far as the dispute I just wish to return the item to the seller for a full refund. The item was not as advertised. The seller agreed to a return but at my expense. I do not agree that I should be held responsible for any expenses due to the merchants blatant mis-advertising. This would cost me between {$220.00} and {$430.00}! 30 % of the original purchase price. The dispute is pretty cut and dry but Citibank seems to be dragging the process out. Additional and full details in attached PDF.

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
This is with reference to my XXXX XXXX credit card with reference to last four digit card no :XXXX.i have send few letters and called also several time, with reference to the incorrect reporting about late payment for XX/XX/2018, At that time also I explained why it was not correct and when I contacted the member service for the payment, they advised that its not going to affect my scores and it was well within the pay period date. I also told by Customer service later that they have send communication to reverse when I contacted on XX/XX/2018.but nothing happened after that Also the check which i had sent for payment was never acknowledged which has created more of a problem, As result, I am facing consequence of the same and it is still showing on my credit history and this is very negatively effecting me and my current situation May I kindly ask you to please check and revert back, the in correct remark on my credit file and help clear the late reporting on XX/XX/2018

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: WI

Complaint narrative:
1.When my card was opened I was not aware of having the card and never used it, therefore Discover open my card fraudulently without my consent which is my privacy violation by Discover. I have never signed any single payment receipt and was not even aware of that account existence.

2. My card was used to pay for the services without my consent. My card was used to dispute payment for service without my consent since per Discover Terms and Conditions Discover will protect poor services. Please view attached Discover Terms and Conditions.

3. In violation with Discover Terms and Conditions Discover did not protect me, never contacted me to verify if I opened the card.

4. Discover placed adverse derogatory write of to my credit report which is fraudulent.

5. I have contacted Discover many times with no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I believe my information has been compromised and obtained illegally and used for purposes which I have just recently realized when my girlfriend checked my credit for me. They show XXXX XXXX  and XXXX XXXX  none of which I recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX  amount {$630.00} incorrect its over double the limit. Its INCORRECT. 
Date opened XX/XX/2018. Date delinquent XX/XX/2018.

Company response to consumer: Closed with explanation