vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: PR

Complaint narrative:
Apple offer me a credit card with no interests if pay in full in less than 12 months. 
Last month was my first payment and I noticed that the charge me an amount for interests. I went to a chat with them and they told me the haven't enroll me on this offer without further explanation. 
Nine days ago they told me the 'll get back at me with a decision on the next three days but I haven't hear from them since. 
I have all the chat conversations saved on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Waited until all pending payments where made closed all automatic payments for utilities and such closed my account on XXXX apparently there was transaction through XXXX that was that was late to process untill XXXX with this account the bank open a checking 's account and my name and paid this bill not allowing the vendor the contact me I received a letter from regions Bank informing me that they had open a checking 's account in my name and paid the {$40.00} to XXXX i would be charged for insufficient funds I have taking care the XXXX bill but what my concern is places that i have had a one time withdraw XXXX has me on a automatic withdrawal even though I asked them to take me off so if they send this {$260.00} bill did that account the bank will open up a new account in my name and pay XXXX XXXX I no longer desire and charge me insufficient funds if there is no law preventing this from happening I suggest you create one thank you for your 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 2020-08-18 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 as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX  XXXX {$2300.00} DEPTEDXXXX   XXXX {$1100.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} DEPTEDXXXX  XXXX {$4200.00} DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX XXXX {$4100.00} DEPTEDXXXX   XXXX {$5000.00} DEPTEDXXXX  XXXX {$2800.00}

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 2020-08-18 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 as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX  XXXX {$4000.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX  XXXX {$2300.00} DEPTEDXXXX   XXXX {$1100.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} DEPTEDXXXX XXXX {$4200.00} DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX  XXXX {$4100.00} DEPTEDXXXX   XXXX {$5000.00} DEPTEDXXXX XXXX {$2800.00}

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX Involved : Santander Bank Bank Address : XXXX XXXX XXXX NY XXXX Bank Telephone : XXXX My Account was locked due to a {$25000.00} SBA Loan which I received for my XXXX. I've attempted to resolve the issue with my Bank & have my account unlocked but all my efforts have so far proven abortive. I've provided the Bank with my XXXX Registration Documentation as well as SBA Loan Documentation as of  XX/XX/2020 but Santander Bank has refused to unlock my account. Please kindly assist me in unlocking my account & retrieving my trapped funds being held up by Santander Bank. 

Action Taken : On XX/XX/2020 I provided XXXX XXXX Personal Banker/ Small Business Specialist with my XXXX   Registration Documentation as well as SBA Loan Documentation but Santander Bank has vehemently refused to unlock my account.

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 2020-08-18 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: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX and I currently have a loan from my former university XXXX that is and always has been in good standing with XXXX. I continue to get mail from Heartland ECSI who claims they are the lender for the same XXXX loan and have been reporting non payments to the credit bureau negatively affecting my credit. I reached out o XXXX who confirmed that the loan in question is in fact in good standing with XXXX. I also filed a dispute with XXXX and have a file # XXXX thus far Heartland ESCI has not responded. Using the account number from them  XXXX they claim that XXXX sold them the loan and that they are the new lenders. Again this loan has been under XXXX for a few years and there can not be 2 lenders for 1 loan.  XXXX also confirmed that they only have XXXX and has no knowledge of Heartland ECSI and according to their records it appears that Heartland ECSI maybe engaging in fraudulent activities. I do have fraud alerts with all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$3100.00} XXXX XXXX {$450.00} XXXX   XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX   XXXX {$2200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX {$1900.00} XXXX   XXXX  XXXX {$46000.00} XXXX XXXXXXXX XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received an alert informing me that a {$10.00} debit card transaction to XXXX was made on XX/XX/2020 from my account but I did not make this transaction and there is no way possible that someone else used my debit card to make this transaction because at the time I received the alert I was sitting on my couch watching XXXX and my debit card was in my wallet. 

I tried contacting Chase bank to dispute the transaction but after reaching the correct department by pressing the numbers of the buttons their automated system instructed me to press I was only placed on hold again by an live agent and forced to listen to more automated messages telling me to Please remain on the line for the next customer support specialist. Once I realized that I was never going to speak with a customer service support specialist to dispute the transaction I just hung up. 

It is my belief that Chase bank is intentionally refusing to allow customers to dispute transactions and the CFPB along with the FBI needs to get involved to assure that Chase bank is not participating in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On or about XX/XX/2020 I opened a business checking account with PayPal business, I sent an QR code money request to a customer for {$200.00} the customer sent that {$200.00} in addition to another {$950.00} that she owes ; PayPal received the funds and has added the {$200.00} ( minus fees ) to my available balance but has not released the {$950.00}. After a few days I tried reaching them online and the balance wasnt cleared then I tried reaching them by phone. Their phone line takes you through several steps then tells me we cant help you with this over the phone, you have to reach us on the web or PayPal business app ... then the line disconnects ... I tried this a few times as well as trying online, no help has been offered and my money is still not available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and Credit XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 explanation
Consumer complaint received 2020-08-18 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: V and H Portfolio
State: AR

Complaint narrative:
Vance & Huffman Collection agency continues to violate the Fair Debt Collection Practice Act including several types of inaccurate and illegal credit reporting. The fraud related account currently is being reported by another collection agency by the name of XXXX XXXX XXXX for the same amount XXXX with a different open date of XXXX. Vance & Huffman has a reported open date of XXXX which is considered inaccurate information on both agencies not to mention under the FDCPA no collection account can be owned by two different collection agencies which appears to be the case. I find this inaccurate reporting to be a clear violation of my consumer rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practice Act both of these fraud related accounts which never belonged to me should immediately be removed from all of the major consumer reporting agencies effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I purchased a new vehicle and accepted dealer financing through Honda Financial Services. After repeatedly being thrown off their website when I tried to register for online payment, I called them and found out that an incorrect social security number was used on my account to check my credit history and apply for financing. This means that my credit was based on someone else 's credit history/score at the time of financing. Honda dismissed this as an " error '', but I know my ssn and know I completed my forms correctly. The error was Honda 's. They directed me to send a copy of my Social Security Card and initiate a correction to my file. I will do that, however, their " error '' affects the accuracy of my credit. Their " error '' may have affected my financing terms, there is no way to tell on my part. I believe this is a material deficiency in their financing systems. Other customers should be warned that this may be a problem for them that is not transparent to the consumer and is not easily detected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: IL

Complaint narrative:
I disputed this account numerous of times with XXXX  and Equifax XXXX  did the proper investigating and removed it from my report. XXXX. XXXX  and equifax both are showing different amounts 2 I signed a 60 month contract not 70. XXXX did not advice me if the change on report like they are supposed to. 3 XXXX  is reporting that my XXXX payment has been made when it has not my payments are on the XXXX of each month today is XX/XX/XXXX 3 XXXX  is prolonging the law suit that they where involved in and XXXX agreed to fix consumers report and I provided all documentation backing everything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My name is XXXX XXXX Soc Sec # XXXX. 

The account is with Wells Fargo Auto Loan account # XXXX amount {$17000.00} with the monthly payment amount of {$350.00}. This account belong to my XXXX XXXX I co -signed for my XXXX XXXX to get a car previously with Wells Fargo . that  car was totaled lose, and that loan was paid off. 

My sister went back to get new car form that same dealer ship ... that financed that car with Wells Fargo ( this below info ) I did NOT sign any documentation for the new car my XXXX XXXX obtained the above loan on her own. 
I have asked Wells Fargo to remove this account from my credit report, to date it has not been done.

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 2020-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Resolutions, LLC
State: CT

Complaint narrative:
Two medical debts from visits on XX/XX/XXXX and XX/XX/XXXX for a total of {$1200.00}. I submitted all documentation to insurance and they paid the claim from XX/XX/XXXX. The insurance carrier ( XXXX ) has said repeatedly that they have not received a claim for XX/XX/XXXX. I have contacted both the medical provider and their debt collected multiple times and each time they said they would resubmit the claim but have not and have not only continued to bill me but have reported the debt to credit reporting agencies which has negatively affected my credit making it difficult for me to get loans or credit cards. I have all necessary documentation and proof of attempts I have made to resolve this issue. I contacted the collections agencies in the following dates via phone : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX and have sent numerous emails to all parties involved. I was told by medical provider and collection agency that they could not contact my insurance provider we regarding this debt and that I would have to however I thought that this violated CTs balance billing laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Security Credit Services, LLC
State: AR

Complaint narrative:
Security Credit Services Collection agency continues to violate the Fair Debt Collection Practice Act including several types of inaccurate and illegal credit reporting. The fraud related account currently is being reported by another collection agency by the name of XXXX XXXX XXXX for the same amount XXXX with a different open date of XXXX and Security Credit Services has a reported open date of XXXX which is considered inaccurate information on both agencies not to mention under the FDCPA no collection account can be owned by two different collection agencies which appears to be the case. I find this inaccurate reporting to be a clear violation of my consumer rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practice Act both of these fraud related accounts which never belonged to me should immediately be removed from all of the major consumer reporting agencies effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: OH

Complaint narrative:
I mailed letters to all 3 credit reporting bureaus ( XXXX, Equifax, XXXX  ) stating that they are not complying with my written dispute requests that I have submitted. I mailed letters on XX/XX/XXXX that describes my first initial disputes, its been over 30 days and I havent received a response. I mailed them a second set of letters on XX/XX/XXXX to comply and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: OH

Complaint narrative:
I mailed letters to all 3 credit reporting bureaus ( XXXX, XXXX, Experian ) stating that they are not complying with my written dispute requests that I have submitted. I mailed letters on XX/XX/XXXX that describes my first initial disputes, its been over 30 days and I havent received a response. I mailed them a second set of letters on XX/XX/XXXX to comply and still no response.

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