vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 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: GA

Complaint narrative:
I did a bankruptcy on 2018, the court grant me the case, but one of the creditors has not remove the amount owe, and they send the debt to a collection company. So, this collection debt still on my EQUIFAX credit report. I already contact Equifax, send them a fax, upload the documents online and Equifax has not removed or fix my credit report information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
nothing I keep having credit rating value declines. It has caused me to pay higher deposits on an apartment.

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 2020-06-23 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: WA

Complaint narrative:
nothing I keep having credit rating value declines. It has caused me to pay higher deposits on an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
nothing I keep having credit rating value declines. It has caused me to pay higher deposits on an apartment.

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 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have filed numerous complaints about Wells-Fargo starting with XXXX  complaints ~9 years ago to CFPB complaints ~2 years ago, then OCC complaints ~1.5 years ago. Wells-Fargo shut access to my account repeatedly for no reason during an 8 year period against my instructions. Wells never answers XXXX  complaints, despite ~8 years of filings. What I never expected is the CFPB would refuse 4/5 's of my complaints against Wells, especially when I submitted Wells documents outlining fraudulent practices againt my account, whithout my knowledge nor permission. So, this complaint references many against Wells, but it really specifically is about the CFPB 's failure to take appropriate action, rather than just roll-over and collude with Wells. More specifically, in XX/XX/2019 Wells again shut down my account access, in complete frustration that they AGAIN refused instruction to keep my account open, I sent XXXX XXXX letter stating : 1. charge me costa as needed, 2. wire my account balance, 3. inform me of your progress via email, 4. close my account. I received after months of complaints the single answer ever via the CFPB, they failed me completely on 4 or 5 complaints. As part of the Well 's reply to my CFPB complaint, I received 2 Wells letters, adressed to me in past months but never received, outlining totally fraudulent action taken against my instructions, and without my knowledge nor consent.

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 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have tried to link my account with XXXX  in order to use an investment application. And PNC won't allow me to connect XXXX  to my debit card. This is very inconvenient. Please fix

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
On XX/XX/2020, I returned my leased XXXX XXXX early under a promotional program advertised by the company. 

I was told I could turn my vehicle in 3 months early with no fees and I would not have to pay the remaining three months of the lease if I purchased a new vehicle with the company. 

I turned over the car, the keys, and signed the paperwork at the official Hyundai dealership  on XX/XX/XXXX. I purchased a new XXXX XXXX that same day. ( I made a final payment for the month of XXXX before turning the lease in, since the term ended in XXXX. ) Even though the vehicle was no longer in my possession, on XX/XX/XXXX, {$290.00} was taken out of my bank account for the XXXX. When I contacted the Hyundai finance department, they told me I needed to call the dealership because the dealership never paid them for the XXXX. 

I called the dealership. They emailed me a receipt indicating the vehicle had been turned in on XX/XX/XXXX and told me to call the finance department back. 

I called the finance department back. They had no knowledge of the early turn in program and told me I was still liable for over {$1000.00} in fees since I turned my car in early. 

I called the dealership back. They told me they left a message for the finance department and it would be fixed " eventually. '' They did not specify when, they did not indicate any sort of action being taken, nor did they let me know what to do next.

I am now liable for two Hyundai vehicles and two payments ( the leased XXXX and the purchased XXXX XXXX ). I don't know how to resolve this and I'm worried about the financial and credit impact.

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 2020-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
I financed a XXXX XXXX XXXX with GM financial in XX/XX/XXXX. I needed a friend to come and co-sign for me. She came to help but we were not informed that she was signing as the primary buyer. We both signed on electronic devices not on paper and could not see the exactly what we were signing. I am the one driving the car and making the payments not her so why is she primary on her he contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
I purchased a ( well what I thought was a ) XXXX  65 inch hd XXXX XXXX  tv from XXXX XXXX In XXXX Indiana. I saw the ad on XXXX   XXXX, verified the tv was new at that time the owner XXXX told me about the 90day same as cash financing. I decided to do that and keep as much cash as possible since the country was basically shutting down. I purchased this tv especially so my children could do XXXX on a big screen. XXXX couldn't get the tv in my car. it was in an opened brown box. not a XXXX  box. He told me he could bring the tv to me at XXXX XXXX  the next day. He did I drug it into my living room where it set until the next evening when a friend came to mount it. I was not the correct tv and it didn't even work. XXXX tells me he will give me better tv. We take the tv back and get what turns out to be another broken tv and he again insisted it wouldn't fit in the car with the box! I '' m pretty angry at this point as I gave my old tv away and the school had just been canceled for a month. Kids like to watch tv. He came to my home the next day where the broken tv was and walked out. he told me he would get me a refund from acima. That didn't happen. I did learn he is selling 3-year-old TVs as new after a serial number search. I have a police report and all of the texts between XXXX and I. Acima refuse to cancel my account or refund any money. 
I'm attaching the XXXX  communication, Last week Acima reported I was 60 days late on this loan causing my credit score to drop 70 pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear who may be concern, My name is " XXXX XXXX XXXX '' .I request investigation on those items I list below as they are inaccurate and not belong to me. 
If inaccurate, they must be removed in order to show my true credit history, as these items should not be on my Credit Report. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Name Reported** _XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX . 
All of these name above are incorrect, The most accurate name would be report is only " XXXX XXXX XXXX ". 
**Employment info** _XXXX XXXX XXXX  XXXX XXXX XXXX These employment information is not mine, please delete it. 
**Addresses Reported** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These address is not mine and incorrect. I have listed proofs of my current address in the attachment below. 
**Credit cards** _XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX I never receipt any loans or credit from this company. Please delete it!! 
_ XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, Please delete it or provide me full documentation. 
_XXXX XXXX Reported : XXXX. XXXX, XXXX This account state that I have lated payments on XX/XX/XXXX, XX/XX/XXXX. However, I never late and paid on time. Please update payment agree. 
**Other Loans** _ XXXX XXXX : XXXX. XXXX, XXXX I never used XXXX service. I have been using XXXX for years. I have attached my proofs payment with XXXX. I don't own XXXX any money. Please delete!!! 
**Account** XXXX Inquiry : XX/XX/XXXX This account isn't mine, delete it!! 
**Account** XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I never receipted any loans or credit from this company. Delete it!!

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 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
signed up for a citibank account on XX/XX/XXXX under a promo to receive {$400.00} for setting up a direct deposit and maintaining {$15000.00}. Met the conditions but citibank isn't paying the promo.

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 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC is not allowing it's customers access to link their banking account with online services. In my particular case, I attempted to link my PNC checking account with the well known investment service " XXXX '' only to be met with an error. The error being that PNC is not allowing customers access to their own money via trusted third party applications. As a PNC customer I should have the right to link my account voluntarily with financial services that could stand to benefit me. This is my own money in which I have earned. It is not fair to their customers to prevent them access to their own accounts when larger banks such as XXXX XXXX or XXXX  XXXX XXXX customers do not have these issues. This policy only stands to inconvenience their own customers and I believe I will be looking to bank elsewhere because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported on XX/XX/2018 for my XXXX XXXX account. 
I want you to know that I understand my financial obligations, and if it werent for an ongoing divorce and a short notice eviction, along with serious medical issues leading up to my hospitalization following surgical complications Id have an excellent repayment record. I made a mistake in falling behind, but I have learned how to manage my finances Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XX/XX/2018. 
Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I disputed that Portfolio Recovery was first an inaccurate account. It was collection purchased from XXXX XXXX that was taken off my record then recently put back on questionabley? After realizing it would take to long for me to clear them via dispute I called and made a settlement agreement to close the case and payed the amount via debt card. They now say I owe them another payment that is significantly effecting any chance of building better credit when an agreement was set. They reported to all three and tarnished my record. This is a complete violation of privacy and trust. I have proof that the account was paid in full and money was taken from account. I feel extorted from the phone calls to the lies to the more payments and now i dont know if my credit will ever reflect my honest payments. I have gotten nowhere and need immediate relief! 

On XX/XX/2020 they updated my experian report 2 weeks before I they reported only to a third party app that I payed. They are tarnishing my record once again and insulting me by not taking accountability. This is the finally complaint and I will soon file in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion forces you to input card info during account creation. I assumed card info was for verification purposes, like the post office does for mail forwarding. There is no mention of a charge or service to be rendered, and if there is it has no prominence. They charged me XXXX . This is so deceptive and unbecoming of a company that operates under FACTA. They are scamming consumers and charging them. Theyve paid restitution in the past for these practices and continue to receive complaints.

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted BBVA ( USA ) on XXXX XXXX about fraudulent charges on my account. Charges were made in XXXX. I XXXX   them and found out the online shopping is located in XXXX. The other one was XXXX. I never heard of this. The total amount is {$220.00} with foreign transaction fees. 
It took them 5 days to investigate these charges and I got a letter saying these charges were authorized. We never done these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently disputed this account listed below. 
XXXX XXXX XXXX XXXX XXXX # XXXX As a result it was verified and updated on XX/XX/20. I'm requesting your verification method used to do so. Also I'm requesting any authorized documents on this account for it is unknown to me. SEE ATTACHMENT OF MY ORIGINAL CREDIT REPORT THAT SHOWS ACCOUNT IN QUESTION.

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 2020-06-23 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:
On XX/XX/XXXX, I started receiving fraudulent charges from XXXX in the amount of {$14.00}. I immediately disputed the charge with Citi. I paid the remainder of my bill in full. On XXXX XXXX, I received a credit in the amount of {$14.00} for the dispute. On XX/XX/XXXX another fraudulent charge was made from XXXX in the amount of {$14.00}. I again disputed the charge and had the credit card number changed. On XXXX Citi reversed the XXXX credit and charged me {$14.00} and interest for balance. I again disputed the charge. On XXXX, Citi charged me a {$15.00} late fee and more interest for the balance. I again called and disputed the charge. On XXXX Citi credited me {$14.00} for one disputed item and {$1.00} for a minimum charge credit and assessed late fee and interest of {$15.00} on XXXX. On XXXX Citi again assessed me late fees and interest in the amount of {$15.00}. 

I have made 15 telephone calls to Citi attempting to resolve this issue. The entire issue stems from fraudulent charges to my account from XXXX. I have been assured numerous times by Citi representatives that I am not responsible for the fraudulent charges, but fees and interest continue to accrue.

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 2020-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear who may be concern, My name is " XXXX XXXX XXXX '' .I request investigation on those items I list below as they are inaccurate and not belong to me. 
If inaccurate, they must be removed in order to show my true credit history, as these items should not be on my Credit Report. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Name Reported** _XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All of these name above are incorrect, The most accurate name would be report is only " XXXX XXXX XXXX ". 
**Employment info** _XXXX XXXX XXXX XXXXXXXX XXXX XXXX These employment information is not mine, please delete it. 
**Addresses Reported** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These address is not mine and incorrect. I have listed proofs of my current address in the attachment below. 
**Credit cards** _XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipt any loans or credit from this company. Please delete it!! 
_ XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, Please delete it or provide me full documentation. 
_XXXX XXXX Reported : XXXX. XXXX, XXXX This account state that I have lated payments on XX/XX/XXXX, XX/XX/XXXX. However, I never late and paid on time. Please update payment agree. 
**Other Loans** _ XXXX Reported : XXXX. XXXX, XXXX I never used XXXX service. I have been using XXXX for years. I have attached my proofs payment with XXXX I don't own XXXX any money. Please delete!!! 
**Account** XXXX Inquiry : XX/XX/XXXX This account isn't mine, delete it!! 
**Account** XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I never receipted any loans or credit from this company. Delete it!!

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 2020-06-23 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: MD

Complaint narrative:
I recently disputed this account listed below. 
XXXX XXXX XXXX XXXX  XXXX # XXXX As a result it was verified and updated on XX/XX/20. I'm requesting your verification method used to do so. Also I'm requesting any authorized documents on this account for it is unknown to me. SEE ATTACHMENT OF MY ORIGINAL CREDIT REPORT THAT SHOWS ACCOUNT IN QUESTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
The bank never disclosed the notice of right to cancel require by the TILA and never explained to us anything.

Company response to consumer: Closed with explanation