vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best Buy was notified of a charge of {$7200.00} that was not to be on the card. In addition they had had charges from XXXX that should have been placed under contest and now credited as the company has admitted that they have been issued for refund. The credit card shows that have not valid and have t=saye not taken action for over 10 days. I get a call from a number in Florida that doesn't appear to be Citibank. I call back to get this resolved and still no results. The Best Buy Card has not resolved the charge amount provided provisional credit but rather leave the large charge against my credit report. The company has said it would be handled and not show and my credit would be available. Well it is not and it continues to be an open issue. The customer service is the worst as they hang up and do not follow through with their promises. I have spent over 3 hours on the phone and the charges from XXXX remain even though all of the items are returned and should show a refund and the XXXX charge does as well. They now are changing their position to get this resolved stating that this can take up to 45 days! This absolutely ridiculous if it is a charge that is fraudulent as it didn't go through and not mine. I find their business practices to be absurd and

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I would like to send a copy of a letter to remove a credit card with XXXX off my credit report. Please see attached the letter I received today from XXXX. So to equifax XXXX  and XXXX  please remove this account from my records. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: ID Analytics, Inc.
State: CA

Complaint narrative:
Sagestream LLC was used for a credit inquiry from XXXX XXXX. They sent a rejection letter with information that looks incorrect as the reason for the denial. 

I can not request a copy of my report, freeze my credit report with them or file a dispute with them regarding the incorrect information without submitting a photograph of my driver 's license, social security card or passport. 

I REFUSE TO SEND COPIES OF PRIVATE AND PERSONAL IDENTIFICATION DOCUMENTS TO A COMPANY THAT I HAVE NO AFFILIATION WITH, HAVE NOT DONE BUSINESS WITH, DO NOT WISH TO DO BUSINESS WITH, AND IS IN THE BUSINESS OF COLLECTING PERSONAL INFORMATION ABOUT PEOPLE. 

They did not need any of that information to provide the report to XXXX, they should not need that information to provide the information to myself. XXXX, XXXX  and XXXX  are all able to provide this information without requiring me to send an unknown company pictures of my identification. 

I'd also like to note that the Consumer Financial Protection Bureau website that I am submitting this complaint on does not require the level of information to submit this form that Sagestream is asking for. They can verify my identity with the last four digits of my social security number, date of birth and name when submitted from this form, but they can not do this on their own website? They can not use the reference number on the rejection letter as an additional check for security instead of requesting photos of my identification? I very strongly feel that Sagestream is trying to make this process as difficult as possible for consumers to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian will not delete a 10 yr old account from my credit report. Its been delinquent since XX/XX/XXXX and and they will not make XXXX the creditor show the correct information showing the entire delinquency nor remove the account which was delinquent each year from XXXX and every single year stayed delinquent since then. Further more XXXX  states loan was XXXX payments XXXX a month but a balance still due off over 14,000. This backs up the fact the account was delinquent the entire life of the loan and was repoed yearly. The account was never current n again. Being 10 yr old account should be removed. Especially since XXXX agreed to remove previously

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 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Cant connect my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In 2017 XXXX  suffered a security breach that leaked the data of 143 million Americans including myself, as a result of that several accounts have been opened in my name and placed on my credit file. I have hired a lawyer, and as of today I have filed the papers for civil suit and I will be bringing this information forth to a judge in my area.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I would like to send a copy of a letter to remove a credit card with XXXX off my credit report. Please see attached the letter I received today from XXXX. So to XXXX  experian and XXXX  please remove this account from my records. Thank you.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: TN

Complaint narrative:
Joseph, Mann , & Creed Collection Agency claims that I owe {$390.00} to XXXX XXXX XXXX. I don't owe this company ANYTHING! This debt is erroneous and all collection efforts should cease IMMEDIATELY. I paid my account in full before I switched to another company. I've attached my last payment.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: IA

Complaint narrative:
We had a Mortgage starting in XXXX with US Bank Home Mortgage. In XXXX we filed bankruptcy at that time we re-affirmed the Mortgage. In XXXX of XXXX we refinanced our Mortgage for a lower interest rate with our credit union. At that time we found out that US Bank had not reported our Mortgage to the credit bureau 's since the bankruptcy ( for 10 years ) I had a 3-way call with a XXXX  Agent and a agent with US Bank named XXXX in XX/XX/XXXX. During that call US Bank told XXXX   that we had payed every payment on time every month for the last 10 yrs and there we no late payments during that time. US Bank said I had to have asked them to start reporting to the Credit Bureau when the loan was reaffirmed and asked if I wanted that now. I said yes. Its still not reported. I have spent hours on the phone with person after person at US Bank and they always send me to another person and I get a different reason why they can not help me. They keep telling me to dispute with with the Credit Bureau. XXXX  said I can not file a complaint on something that is NOT on my report and that I need to get it resolved with US Bank. I want my husband and I 's Mortgage to show on our credit report even though it is now closed since we refinanced. I want it on our Credit Report like it is for all our other loans/credit credit cards that are closed saying we paid as agreed since XXXX. I am attaching the part of my Bankruptcy where I re-affirmed the Mortgage in my bankruptcy in XXXX. Also attaching the document from XXXX  saying they confirmed with USBank that we paid our mortgage on time for the last 99 months with no late payments. Also attaching the dispute outcome from XXXX, I could only file the dispute under the bankruptcy since my mortgage is not on my credit report. After getting the outcome I called XXXX  and that is when they told me I can NOT dispute something ( the mortgage ) that is not 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 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
In 2017 XXXX  suffered a security breach that leaked the data of XXXX XXXX Americans including myself, as a result of that several accounts have been opened in my name and placed on my credit file. I have hired a lawyer, and as of today I have filed the papers for civil suit and I will be bringing this information forth to a judge in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Pnc doesnt allow this app XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
XXXX  will not delete a 10 yr old account from my credit report. Its been delinquent since 2011 and and they will not make Santander the creditor show the correct information showing the entire delinquency nor remove the account which was delinquent each year from XXXX and every single year stayed delinquent since then. Further more santander states loan was XXXX payments XXXX a month but a balance still due off over XXXX. This backs up the fact the account was delinquent the entire life of the loan and was repoed yearly. The account was never current XXXX again. Being 10 yr old account should be removed. Especially since Santander agreed to remove previously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have attempted to dispute and contact Equifax. These are fraudulent inquiries. The following companies are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Recently, I found several accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open.They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have called and discussed over 2 hours with an associate and XXXX XXXX? that I suffered extreme trauma over the time that I have had this card. I thought the bill was on full autopay I normally do and it was accidentally on miimum amount due. I have been advised by my doctor that I have a XXXX that was directly affecting my ability to handle these functions. due to being forced to work in a different state and extreme harassment and trauma at my work I did not see these bills. Business revenues dropped due to unanticipated problems as well. PURCHASES ARE ALREADY PAID IN FULL. Request - all fees and interest to beginning of account removed as problems began around that 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 monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One closed my XXXX XXXX on XX/XX/2019 without any notice.This caused a lot of inconvenience to me as this was the primary card that I was using.This card carried an annual fee which they haven't refunded me.Also, a few months ago a merchant refunded me a concert ticket ( {$100.00} ). Capital One has refused to send me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In due of respect to Toyota Financial Services, I requested cancellation on GAP Insurance and Extended Maintenance cancellation First Extended Services and they don't want to cancel the extended service. 
I also sent various emails to XXXX XXXX XXXX in XXXX XXXX XXXX to respectfully cancel all options on auto loan and respectfully requested a lower affordable payment of around {$300.00} a month. 
Also requested a payment extension from XX/XX/XXXX till XX/XX/XXXX because of my Financial Hardship and Coronavirus Pandemic issues and family Hardships. 
Mr.XXXX  is the Manager and my auto loan originator. 
Mr.XXXX  XXXX email is XXXX contact number XXXX. 
Federal Government can archive all email contacts to Mr.XXXX  and Toyota Financial Services. 

My request is with Honor and Respect. 
A Federal Discrimination and Retaliation complaint was filed against Toyota Financial Services with ADA Department of Justice on XXXX XXXX # XXXX XXXX XXXX Act Violations. 

I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX  Veteran. 
This is a Urgent Matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Sent a {$1100.00} check # XXXX mortgage payment that was received on the XXXX of XXXX signed for by XXXX XXXX ( sent XXXX mail tracking # XXXX ) as a result I have received a statement from XXXX indicating that the amount is double plus additional excuses for not posting the payment or looking into the matter. I was informed for XXXX weeks that the matter would be looked into and it would take about XXXX to XXXX hours, the time has lapsed and the matter has not been taken care of. I would like to know where to send the future mortgage payments since XXXX is not doing their job by posting payments causing a financial kerfuffle. 
This issue should have been resolved XXXX weeks ago but it was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am disputing the debt as reported by CREDENCE RESOURCE MANAGEMENT for {$620.00} from XXXX XXXX I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IA

Complaint narrative:
XXXX refuses to reanalyze my escrow account. Ive turned in documents showing my escrow is being over charged and Ive over paid now. They are refusing to make an update. This is effecting my debt to income ratio and my monthly payment is much higher than it should be by over $ XXXX.

Company response to consumer: Closed with explanation