vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The account ending in XXXX with Chase was fraudulently opened. It does not belong to me I would like for them to delete it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have request that my freeze be removed permanently XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX OH XXXX DOB :XX/XX/XXXXS.S. # : XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please REMOVE any and all security freezes at once.

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 2020-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX  -- XX/XX/XXXX BK OF AMERICA -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX BK OF AMERICA -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX   XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX   XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX BK OF AMERICA -- XX/XX/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 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I have no knowledge of this account with XXXX XXXX XXXX in the amount of {$2200.00}. They also stated per my credit reports that it was originally over XXXX XXXX dollars and that I made a payment last year. I have never made any payments and was never notified of this debt before it showed up on my report. It is fraudulent and not my account. Upon further research it has been found that even if this was a valid debt which it's not it would have gone to XXXX not Jefferson Capital Systems when they closed in XX/XX/2019. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If Jefferson Capital Systems is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation. Absolutely no phone calls. If correspondence is initiated by JCS in any manner other than permitted I will cease all communication ( invoking my legal right to request JCS cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a capital one credit card and I never received the statement and they report me for late payment I owed {$1.00} I called them in XX/XX/XXXX they told me to write a letter asking them to removed the late payment 45 days later I had to called them because I never was notified that my request was denied I ecplyaned them that because coronavirus maybb be e the stamens was lost and they did not care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was trying to resolve all the errors on my credit report but the credit bureaus don't investigate about my case. I want to fix the inaccuracies because my credit score is getting lower.

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 2020-10-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX  -- XX/XX/XXXX XXXX   XXXX  XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX   XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  OF XXXX -- XX/XX/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 non-monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
Ive tried to dispute this item and it came back that this is correct with is wrong information I have no knowledge of this account and I do not know who this account is in for me to be liable to pay for something that I have no knowledge of is wrong

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
We purchased a XXXX XXXX in the summer of XXXX. The car was totaled on XX/XX/XXXX. At that time, we owed {$1500.00} on the car. Our insurance company, XXXX XXXX XXXX, settled our claim for {$12000.00}. We were owed {$11000.00} after the car was paid in full. Our insurance company was going to send Kia just what they were owed and send us the check for the balance.

Unfortunately, Kia wanted XXXX XXXX to handle it differently. I am attaching a letter from Kia Motors Finance to XXXX XXXX, asking for the entire settlement, despite only being owed {$1500.00} on the car. 

XXXX XXXX sent the check for {$12000.00} to Kia Motors Finance. The check was received by Kia on XX/XX/XXXX and cashed on XX/XX/XXXX. I have attached a copy of the cashed check from my insurance company. We have called Kia Motors Finance on a minimum of 10 occasions. We have been told on 4 different occasions that the check for the balance of {$11000.00} will be sent to us in 7-10 business days. Each time 10 days has passed and we call again, we are told that there are no notes showing that  anyone processed the check. Many times when we call, we ask for supervisors until we've talked to every supervisor available. Every time, we are on the phone for a minimum of an hour. We are always told that all that they can do is " send an email to processing. '' We are told there is no phone number for processing and there is no one for us to call. We very much feel we are getting the run around. We are starting to fear that the company is filing for bankruptcy and we'll be out a significant amount of money. The behavior of many of the people we've spoken with has been very concerning. Some have acted helpful and they tell us what we want to hear and then nothing happens. When we call back, there are no notes that we've ever called. We have no idea where to turn and feel very much that Kia Motors Finance is holding our money hostage. This was never their money to begin with. We owed a very small amount, always paid our monthly payment on time and in excess. We deserve to be paid what we're owed. We had to take out a loan to purchase another car for which we are now paying interest.

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 2020-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
Company 's response to initial complain was not factual, re-submitting Complaint # XXXX Dovenmuehle response was filled with untrue statements, I reached out to this company XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. Made several calls, all my concerns fell on deaf ears. i reached out to Consumer Financial Protection Bureau for help resolve. 

Yes, I understand the information provided by Dovenmuehle, is not factual and my concern has not been addressed. I never received a call a letter and I certainly have not received a check from Dovenmuehle as stated in their letter.

The {$2100.00}, Dovenmuehle mentions in the letter is the amount  my Mortgage would be if I opted to pay the overage of {$280.00}, over 12 months. if I opted to pay the {$280.00}, in full my payment monthly payment would be {$2100.00}. I paid double the amount requested, and asked for a re-calculation of my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This account does not belong to me and it coming it out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the  unauthorized inquires. 

XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXX -- XX/XX/XXXX XX/XX/XXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX COMENITYBANK/VICTORIA -- XX/XX/XXXX COMENITYBANK/VICTORIA -- XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XX/XX/XXXXXXXX -- XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX-- XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX -- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the  unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  TD BANK USA/TARGET C -- XX/XX/XXXX XXXX  TARGET/ID -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX XXXX XXXXXXXX -- XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was trying to resolve all the errors on my credit report but the credit bureaus don't investigate about my case. I want to fix the inaccuracies because my credit score is getting lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was trying to resolve all the errors on my credit report but the credit bureaus don't investigate about my case. I want to fix the inaccuracies because my credit score is getting lower.

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 2020-10-15 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: AZ

Complaint narrative:
I have been a victim of identity theft. The fraudulent accounts on my report are charges that I did not authorize.

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 2020-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Service Finance Holdings, LLC
State: IL

Complaint narrative:
We are paying 6.99 % interest. It is too high. I obtained a credit card to do a balance transfer. XXXX sent the balance transfer to them to pay off the loan. Service Finance rejected the payment and sent it back to XXXX. When I reached out to Service Finance they denied ever receiving the funds but then responded to me saying that the only electronic payments they accept are from a personal checking or savings account. They are purposely making it impossible to do the balance transfer so we have to keep paying the higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have request that my freeze be removed permanently XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX OH XXXX DOB :XX/XX/XXXX S.S. # : XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please REMOVE any and all security freezes at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have request that my freeze be removed permanently XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX OH XXXX DOB :XX/XX/XXXX S.S. # : XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please REMOVE any and all security freezes at once.

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 2020-10-15 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: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate accounts on my credit report after I properly disputed the accounts. 

TransUnion said the sole the issue, but didnt say how or provide me with no proof and that illegal. So the company is illegal reporting accounts on my credit. 

XXXX  never even notified me of the status of my disputes, which is also illegal. 

Im attaching the letters I sent to them containing the inaccurate accounts.

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 2020-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I see multiple 120 days late marks which is a clear violation of my right under the FCRA. he company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, My issue started when I opened a Checking Account via a promo offer through Bank of America. I had a credit card with BOFA before I opened the new Checking account, where I could make payments using a third party checking account ( ach debit ). The day I opened the BOFA checking, the third party account was instantly removed from my payment account options in my online banking/bill pay. This was extremely frustrating. Recently, I made a payment to my credit card without thinking that it was going to come from my BOFA account because I don't use that account for much. I keep a low balance in the checking as it is. I'm deeply concerned about the practices at BOFA where they don't allow their customers to use an external account to make payments. On top of this, the manager I spoke with ( XXXX XXXX at the call center refuted what I was saying when I told him that the account was removed. He didn't believe that the systems at BOFA would act that way. 

I simply believe to my core that this is a bigger issue than what it appears to be. Because of this issue, I was assessed an OD fee of {$35.00} to a checking account I barely use. To say this is frustrating wouldn't begin to describe how I feel about this scenario. Had my external account never been removed, we wouldn't be here. 

You can retrieve the calls from when I spoke with customer service ( Checking & Credit Card ).

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 2020-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: IN

Complaint narrative:
On XX/XX/2020 at approximately XXXX at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX indiana XXXXI used thier XXXX  atm machine terminal # XXXX. 
I put my card into the mechine and requested {$400.00} asked me if I accept the {$3.00} terminal fee and I said yes.

The atm then approved the transaction at this time I put my card in my wallet and drop my phone on the floor havent tooken the money out the atm machine yet .At as I go to get the money the atm door shuts and takes the money and it goes back into the machine .I put my card back into the atm and tried to make another transaction to see if my money got stuck or what was goin on and it declined my transaction this time and saying I only had a Ballance of {$2.00}.

I requested to talk to store manager and she told me I have to contact the number on the atm ( XXXX ) I contacted XXXX  and they  told me the atm machine has a security feature that I'f you don't take the money out withen 10 seconds it goes back in .XXXX  also stated that the money did go back in and I did not receive it and I have to file a dispute with my bank or card company.

I have called the XXXX number XXXX and also the web sight. 
I have tried to call 13 times .watch time I call I am on the phone for over 2 and half hours and every time I get hung up on after waiting 2 to 3 hours on hold and never getting a response .I have lost my job due to not being able to pay my child 's daycare because the {$400.00} was taken from me. 
Please help..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan XXXX  have not closed my account after I returned car with no balance. My account is supposed to be closed but still stands with an open balance for {$630.00} car was returned XX/XX/2017. With XXXX balance they also tried to convince me to take another car. I pray for a resolution.

Company response to consumer: Closed with explanation