vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY INC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHECK INTO CASH INC.
State: IL

Complaint narrative:
On XX/XX/XXXX @ XXXX XXXX, I received a phone call from XXXX in regards to a debt that I know I owe. I informed the representative that I had received a text message from the company Check into Cash offering to settle the account. The representative said thats not something that they do. I requested that she put me on the do not call list and informed her not to contact me anymore. On XX/XX/XXXX, I received a call from XXXX @ XXXX XXXX. Once the representative stated where she was calling from, I immediately informed her that I requested on XX/XX/XXXX to be put on the do not call list. The representative continued to ask me why and she stated that they do not have a list they put customers number on who request not to be called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I spoke to a Transunion representative and told them that you have been a VICTIM of their inquiry issue. Their customer service was not able to assist me and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Today XX/XX/2020, a collection showed up on my credit report for the second time after it was already disputed and removed. It is the only collection showing up abs I have never borrowed personally from this entity being XXXX XXXX showing the original creditor being XXXX XXXX. They do not offer personal loans and do not report to credit as Ive investigated and now this is the second time showing up on my Transunion credit bureau after it was already investigated and removed. Transunion is not doing there duediligence with these fraudulent happenings which is cause grief and frustration to myself and my family when we are already going through enough during COVID-19 and have lost family. I have contacted the Federal Trade Commission to get involved during this matter. I can not deal with the way they are handling this and can only imagine others getting treated this way

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 2020-11-09 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: MN

Complaint narrative:
All online reporting services are reporting my score to be between XXXX  and XXXX. My equifax online shows XXXX. However, when I tried to refinance my mortgate, I was denied as Equifax is stating my credit score is 100pts less. I looked into this, and it still showing online points higher than it was when pulled. 

I then tried to co-sign on a loan for my son, and the same thing happened. Denied because they are reporting XXXX. Every online service reports higher FICO score numbers. 

When I Call equifax, they say when determining credit for loans, its a different model. That seems misleading, when all the sites you check to complete your due diligence, are reporting higher. Nowhere on any sites does my score show a XXXX. NONE. only when pulled by equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: MI

Complaint narrative:
I submitted complaint XXXX regarding Experian reporting a past due account with a XXXX XXXX that I have no knowledge of or authorize. Experian states they investigated the account and have determined the account to be legitimate. After the initial dispute, I again disputed the account and requested an original signed application, billing statements and method used to validate the debt on the original dispute. Experian then sent me another letter REFUSING to investigate the issue any further but, answered the CFPB complaint saying they reinvestigated the account. The account is not legitimate, is showing on my credit report and has caused my score to drastically drop preventing me from refinancing my home. I need Experian to remove the account. I have attempted to file a police report but, without knowing who opened the account, I can not prove a crime has been committed- it is a records error at this point! Please help

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 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a checking account with chase and received my ga department of labor deposits in it. But because it was a large amount chase said they no longer wanted to bank with me and said they would be closing the account and mailing me my remaining funds. Its been over 30 days now iv been going back and forth with this bank for my funds and am now being told that the account was closed but that my funds are now being held because the account is under investigation. I had a branch manager verify the deposits and my unemployment that I received into the account but there now even telling him they cant do anything they cant give me a time frame they cant expedite the case nothing. I cant speak to anyone over the investigation and can only provide limited documentation due to ga department of labor offices being closed due to covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: CA

Complaint narrative:
I spoke to a Equifax representative and told them that you have been a VICTIM of their inquiry issue. Their customer service was not able to assist me and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: NY

Complaint narrative:
I opened a business checking account with Key Bank branch at XXXX XXXX XXXX in XXXX New York. The rep told me that the monthly fee was waived if the account holder opens a credit card which I did. 6 months later, I discover that I have been charged fees every month. I contacted the online rep and they said that there was nothing they could do about it and I had to talk to the branch. This is classic false advertising and bait and switch. I will follow up with the branch but want to lodge a complaint to stop such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I have a bank account at Chase Bank and I deposited a cashiers check on Friday XX/XX/2020. It was a guaranteed check and it was not available to me for withdraw on Monday XX/XX/2020. Not even the first XXXX $ like it says on their contract. Well I called them Monday Around XXXX and explained why there was a hold on my check. And the first XXXX $ was not available to me like it states in their contract. Well the lady I some to was very nice and sweet, first of all. So I don't know if it was her or really the other banks fault like she stated to me, on the reason why they couldn't release anything to me that day because, the other bank has a hold on it until, XX/XX/2020, which is very ridiculous if you ask me. I have no money and haven't went back to work and I have a car payment and things I need to pay in order to survive at this time. So for them to hold it that long is ridiculous and then they shouldn't say they will release some of it if they won't. XXXX and XXXX. I have departed larger checks and they have been avail e to me same day or the next business day so why hold this one? I think chase is no good and they never answer their phones. If they do you have to wait hours just to get thru. This is not okay for us who bank with banks. We r suppose to trust them. Now what am I suppose to do with XXXX kids?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Smith, Cohen & Rosenberg LLC
State: NC

Complaint narrative:
Today XX/XX/2020, a collection showed up on my credit report for the second time after it was already disputed and removed. It is the only collection showing up abs I have never borrowed personally from this entity being XXXX XXXX showing the original creditor being XXXX XXXX. They do not offer personal loans and do not report to credit as Ive investigated and now this is the second time showing up on my XXXX credit bureau after it was already investigated and removed. XXXX is not doing there duediligence with these fraudulent happenings which is cause grief and frustration to myself and my family when we are already going through enough during COVID-19 and have lost family. I have contacted the Federal Trade Commission to get involved during this matter. I can not deal with the way they are handling this and can only imagine others getting treated this way

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/XXXX, I applied for a Discover Personal Loan so I could transfer the balance of my high interest Discover Card. I've been a Discover Card holder for 5 years, and they've made thousands of dollars off my high 19.99 % interest rate on a balance that's ballooned to {$12000.00}. I was denied and told HIGH UTILIZATION ON BANK REVOLVING ACCOUNTS LOAN TERM DELINQUENCY HISTORY ON BUREAU REPORT My credit history spans 28 years, 5 months. I have no delinquencies on my credit report. 

I believe this is retaliatory in nature. Two weeks prior, I'd contacted Discover via their app to ask for a lower interest rate. My credit score was XXXX, and I have no delinquencies to any account in my name. I was instructed to check for any balance transfer offers. But again, I asked for a lower interest rate. I was asked WHY I wanted a lower interest rate? I said who wouldn't! I asked again for a lower interest rate. This time I was asked what my reasons were ... .was I experiencing financial or personal hardships?? I repeated that I was requesting a lower interest rate. Guess what the customer service representative replied? " Great question! Are you asking for a lower interest rate on your existing balance? ". I told her I'd been asking her for a lower interest rate for 15 minutes. I was then offered two rates, 16.99 % for 12 months on new purchases or 9.99 % for 6 months on new purchases. I told her I wasn't interested in either. 

Then she tells me ... .get this ... .that she thinks the 0.99 % interest repayment program sounded like an amazing offer. WHAT? I wasn't offered 0.99 %! At that point she apologized and said she'd been taking care of two customers at a time and that the offer of 0.99 % wasn't for me. 

OUCH. No late payments, high balance, and five year payment history with Discover ... ..28 year credit history overall. 

Two weeks later, I applied for a Discover Personal Loan to pay-off my HIGH-INTEREST Discover Credit Card debt ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
You are absolutely correct it is a repeat of a previous problem. The reason it is a repeat is because you never answered my question. My question is why did you report me delinquent on a mortgage with XXXX XXXX when I was never delinquent and you never received such a report from anyone or anybody or XXXX XXXX. So answer my question why did you show me delinquent?

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 2020-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I pull my credit as XXXX XXXX service women in XXXX XXXX for 1st time in years on XX/XX/XXXX. I found out that my car that was repossessed in XXXX violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. Santander Consumer USA had my account # XXXX that I purchased XX/XX/XXXX until they came in repo it XX/XX/XXXX was saying it place in Collection/charge off. I would like this item to be deleted off my credit report because it is put of the resolution to the settlement Santander Consumer USAs Subprime Auto Loan Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. 
Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. 
Consumers who are eligible for relief under the settlement please contacted by the Attorney Generals Office. 

As a consumer I fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit.

The Attorney General 's Office have told me to send the respond to them if they don't resolved this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I received a court order by mail from the State Court of XXXX County State Of Georgia. It stated no request for an oral hearing. I have not received anything other than this letter on this matter. The file number is XXXX Plaintiff name is Tidewater Finance Company. I was not given any fair hearing and no info to respond to until now. There is something seriously wrong if I am being sued and the judge agrees with the plaintiff without my knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed A copy of my consumer reports with Experian, XXXX and XXXX and have noticed an account from XXXX has reported as charged off and reported A balance. Back in XXXX I had A XXXX television and sound tower financed threw XXXX XXXX and with the purchase I had insurance with covered the items I leased in the event they where stolen.. On XX/XX/XXXX my home was broken into and the items I leased from the above company was stolen. As A result I filed A police report and informed them immediately that I no longer had the items. I was informed I would have to provide A police report to have the account paid by the insurance and closed out as paid in full. I first submitted the report the incident report on XX/XX/XXXX and was contacted later and informed they could not use the incident report and needed the actual police report. I then reached out and informed them the police had informed me I would have to wait on the report via mail and after I received it I would send those documents. On XX/XX/XXXX In sent the police report via mail and called to advise it was on the way. On XX/XX/XXXX I called again and was informed they had not received the report. This time I went into the local XXXX XXXX XXXX  in which XXXX XXXX is located and provided them A hard coppy of the report and was informed it was be uploaded to my file. 3 Years later I am reviewing my report and notice the account has never been updated as paid in full and instead is listed as A charge off. This is illegal and A violation to FCRA to report inaccurate information. then reached out to XXXX XXXX On tuesday XX/XX/XXXX via phone explained this situation and he informed me to email him A copy of the report and he would foward it to the correct person. He informed me I would hear something back within 48 business hours and I have not recieved any sort of update A week later. Ib ahev subnmitted A dispute with the consumer reporting agencies ith this information coming back as verified although it is truly an account that should not be on my credit report. I have attached the copy of the police report below along with the communication I have had with XXXX at 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 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
A check for {$3700.00} was mistakenly mailed to Fidelity Information Services by XXXX XXXX and cashed on XX/XX/2020. This check was intended for a balance transfer to an account with another lending company ( XXXX ), but was mistakenly sent to Fidelity Information Services at XXXX. XXXX XXXX, XXXX XXXX, IL XXXX. The check was cashed on XX/XX/2020. However, the account number on the check is associated with my account with XXXX and should not have been cashed. I have attempted to contact Fidelity Information Services about this several times, but the customer services representatives were unable to assist me, nor were they able to direct my call to anyone who would be able to assist me. I just need to confirm whether or not this check was cashed by Fidelity Information Services, and if it was, I need the money returned. I'm working with XXXX XXXX as well on a separate case with CFPB as well. I am including a copy of the check.

Company response to consumer: Closed with explanation