vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: MO

Complaint narrative:
Equifax ; XXXX  and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX XXXX {$97.00} XXXX/XXXX   XXXX {$470.00} SOC SEC ADMIN OFFICE O  XXXX {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
i submitted dispute with equifax XXXX, and XXXX   regarding collection on account XXXX XXXX XXXX XXXX XX/XX/18 and current results were that account was accurate how can it be if it wasn't fully investigated. I provided factual documentation to support reason to why the charges are inaccurate and that i am not responsible for debt today results for XXXX  was completed and online but it would not let me dispute error on website unless there is something wrong with their system this needs to updated and deleted from credit report immeditely. i need adequate proof this is owed i want to know what XXXX XXXX XXXX  is providing you to say this debt is accurate have you contacted XXXX  XXXX   original creditor regarding this account..did you get documentation from XXXX XXXX XXXX  beside a lease and ledger car like they provided me. need answers how are you conducting your investigation do you have a team work on this or is this all generated automated .. did you even look through the lease and compare ledger does it align with the contract did you request additional supporting documents. did you request early termination addendum its no way you can say these amounts are accurate and correct to the best of your knowledge when i provided proof of a 60 day notice to management who agreed to let me out of lease she stamped and signed which doesnt hold me liable for amount requested. thank you please review documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
I have a collection account from XXXX and TransUnion continues to report a {$3900.00} balance. This amount is incorrect. The correct balance is at or around {$3600.00}.

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 2020-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
I borrowed XXXX from XXXX XXXX  and had made {$800.00} worth of payments so far. I checked my balance and I still owe XXXX plus. In Ohio predatory lending is illegal and so are vehicle title loans. I would like my interest to be at a 36 % APR which is the max that can be charged in Ohio. I believe my rate is over 700 % at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
XXXX store manager breached my contract and canceled the account I had within their computer and then refused to correct the mistake saying their computer would not allow the account to be reinstated. I went into XXXX to get two new phones and add them to my account. For some reason, the store manager ( by accident ) created an entirely new account ( XXXX was told by XXXX upon calling ) and canceled the current contract. I don't know exactly what happened because I obviously was not given access to their computer. Bottom line is they canceled the contract within the computer, my phone numbers eventually canceled out and that was when I realized something was wrong. XXXX breached the contract. I repeatedly tried to get the account reinstated and everything put back in place and XXXX simply said their system would not allow it after three months elapsed. Now they have reported the account to collections and put it on my credit report. I paid my current XXXX bill throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: MO

Complaint narrative:
XXXX  ; XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2020-06-01 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: MO

Complaint narrative:
XXXX  ; Experian and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Hello there is a collection on my credit report that I have disputed several times and it will get deleted and then another collection agency would get it its not my account it is with XXXX XXXX I have XXXX XXXX services now. I called them on several occasions to get this account off they have no way of verifying this account is what I was told by XXXX XXXX. They dont even know where the account came from but its a different account then what I have now. They told me to dispute it with the collection agency because once its left their office I have to go through the collection agency so they can verify it with XXXX  XXXX. I was told they have never tried to verify that account with them but they updated my credit report as verified. Called the collection agency several times to dispute this account and they told me they verified my social security number and my address. I asked them for a hard copy or a contract that I signed and they refused to provide it. They said they dont need to have it they verified it was my account by my address and social security number. So they refused to remove it and its not 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 2020-06-01 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX  XXXX XXXX {$97.00} XXXX XXXX {$470.00} SOC SEC ADMIN OFFICE XXXX  XXXX {$23000.00}

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 2020-06-01 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX  XXXX XXXX {$97.00} XXXX XXXX {$470.00} SOC SEC ADMIN OFFICE O XXXX {$23000.00}

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 2020-06-01 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: KEYCORP
State: PA

Complaint narrative:
My credit score disappeared. I contacted all three credit reporting agencies and was told that Key Bank, XXXX Oh has reported me deceased. We have a car loan with them. They are denying making that report. I have filed an appeal with each of the credit reporting agencies and filed a complaint with Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX  XXXX NOT MY ACCOUNT ( DISPUTE SENT ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX  XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX  XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ON XXXX ) UNAUTHORIZED INQUIRES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT  GA XXXX CHAPTER XXXX REF # XXXX NOT MY ACCOUNT ( DISPUTED 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 2020-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Bk of amer has been reporting inquiries on my report without my consent for a while XX/XX/XXXX, XXXX  XXXX, XXXX, XXXX  XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX please stop this from happening more and take care of these egregious acts.

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 2020-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I filed two disputes with Equifax. Equifax failed to record one of them, despite a full length letter I had uploaded. In the meantime, my formerly excellent credit has been completely destroyed. All of this is in regards to fraudulent use of my SSN to open a credit card account, which should have been resolved by the furnisher six months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI Bank Shell Fuel Rewards Card I applied because promotional off was XXXX per gallon on my first 5 purchases but I never received that on my first 3 purchases so I stopped using the card. 
I tried to link my original Shell account and that never worked because for some reason every time I try to use the card under my Shell reward account the card wont work. 
Every time I use the card by it self I don't even get the 5-10 cent promised on every use of the card I called many times and I was told many lies but non of them were true because I never received any of the promotions I was offered

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 2020-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I purchased a new car financed through Santader Consumer Finance in XXXX XXXX. I made steady on time payments consistently from that date forward, to include a small extra payment each month. 

In XXXX of XXXX we sustained some minor storm related damage to the vehicle. The vehicle is insured through progressive insurance. During the claim process with XXXX  I expressed that I have 20+ years experience in paint and body repair and would be repairing the vehicle myself, out of pocket while awaiting the arrival of the insurance check, which was made out to myself and Santander . I spoke with Santander via their online chat portal, in which the representative informed me that Santander would not release any of the funds to me and would instead apply the funds directly to the principle owed. 

I received the insurance check for {$820.00} the balance of the estimated repair minus my {$500.00} deductible. I endorsed the check and included a note stating that I had already repaired the vehicle out of pocket and wished for the proceeds to be applied to my balance as was discussed previously with a Santander customer representative. The check was mailed from XXXX XXXX, LA to a XXXX, TX payment XXXX XXXX as is listed on all Santander payment documentation, on XX/XX/XXXX. 

I waited several days, checking often to see my account balance to reflect such payment. After a few days i became concerned and again contacted Santander to acquire about the payment, and was informed they did not receive the payment. I then contacted XXXX, who informed me that they did not have any indication that the check had been presented for payment, initially. I continued this process for a few more days checking every couple of days. Santander continued to claim not having received any payment, until I informed them on XX/XX/XXXX the check had in fact cleared XXXX XXXX 's bank as was confirmed by phone by XXXX. 

On XX/XX/XXXX I spoke by phone to Santander this time being refereed to an insurance representative of theirs who then stated that the funds would be applied to the principle of the balance owed on the account. However on XX/XX/XXXX, I made my regular monthly payment, of course the accrued interest for the full balance owed was charged and taken from the payment, with the remaining balance being applied to the principle. 

So Santander, received a {$820.00} dollar payment on or amount XX/XX/XXXX, denied having received the payment, and continued to charge me interest on a principle balance that I did not legitimately owe. So in fact Santander has stolen money from me in the form of interest in which I did not owe. And as of XX/XX/XXXX has still not credited the balance of the account and is currently still charging me interest for a principle balance that i do not owe, even though they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
As SunTrust finally admitted to using fraudulently false inflated interest rates for months on our mortgage loan collecting higher than appropriate monthly installment payments, instead of sending us apologies and refunding the overcharged amounts, Suntrust recorded false statements dated XX/XX/2020 XXXX attached ) and mailed us an absurd letter ( attached ) of dated XX/XX/2020 showing delinquency on our part. Nothing is further from the truth. 
Attached payment records both from Suntrust and our bank accounts ( where automatic withdrawals took place ) clearly disprove such false statements and records. We would appreciate your help in having Suntrust immediately removing such false records and letters and preventing any such negative false reporting to any entities. 
It is important that Suntrust be reprimanded and held liable to compensate us appropriately to prevent further fraudulent practices by SunTrust ( aka Turist Bank ) with us and any other unsuspecting customers Sincerely,

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 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
I have registered and created a profile with Google Pay. This includes personal information, company addresses, EIN ( s ) and account numbers. I am using and have used the service to receive and return rent payments as well as return tenant deposits. Recently, I have been repeatedly forced to contact Google Pay to ensure payments are processed. Despite being an electronic service, Google is implementing unrealistic transit times or not providing any expected process times with pending being a message for extended periods of time. The service is riddled with dead end customer service processes, sending the customer back to the beginning without a mechanism to solve the problem. If the customer desires to speak to a human, they are forced to deal with outsourced call centers in the XXXX, who provide zero service and have no answers to most questions. The same is true of using the chat function. American sounding names are used such as XXXX, when in fact they are not American. This is a misleading process as Google advertises American phone numbers in XXXX XXXX, CA. Nowhere is this deceptive practice disclosed in a way the average person can access. Only when queried do the contractors confess they are not Americans nor located in the US, let alone California. Some of these foreign contractors have quoted a sophisticated algorithm when telling me why my transfer, from American to American inside the domestic US banking system, is being held up. To my knowledge, money laundering laws are very clear about what constitutes a transgression, and rental payments, while often four digits in vs, use, do not constitute a money laundering event. Google Pay should either create a process that works in a defined timeline, with a process for speaking to an American with the ability to proved service, or exit this business and stop the false advertising that leads consumers to believe this service will be efficient and sea, less, which to my recent experience, is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I received an alert that my credit line was reduced to XXXX for the credit buruea. I then called Tj max where I spoke to a representative XXXX ID # XXXX who stated it was due to missed payments. I stated to her that I had not missed payments but she stated that was the reason and we left it at that. I said at the end of the conversation wow I have not missed payments I think I I should close the account not worth having it open for XXXX line of credit. I never once told her to close it or gave her the authorization to close my account? The next day account was closed ... I called XX/XX/11 and spoke to XXXX she then transfered me to a supervisor XXXX ID # XXXX. I informed him to review the phone call since they are monitored he stated he would and would get back to me. Never heard back it is now XXXX I called the company to get an update I spoke to XXXX ID # XXXX who stated they had not yet reviewed call.

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