vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had bought a XXXX XXXX XXXX on XX/XX/XXXX {$24000.00}. 
Balance owed time of repo {$10000.00}. XX/XX/XXXX They sold the vehicle on XX/XX/XXXX {$12000.00}. 
A collection agency contacted me and said I owed them money. {$10000.00}. And shared with me that it was sold. I explained to them I dont owe Capital One Auto Any money if anything they owe me {$1800.00}. Plus my antenna and the mats. 
I had offered to pay them and they refused my offer. It was less than the original agreement but I still offered. I do need help with this matter. Even if it is taken off my credit report. 
It has been charged off so they actually have got paid twice for this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 XXXX add a derogatory mark on my credit report pre XXXX XXXX, XXXX  and XXXX XXXX. Upon further research, this account was transferred and I am not responsible for the account. Debtor 's creditor did not verify this account. Also, there was no written from of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FAIR CREDIT REPORTING ACT ARS has violated my rights as a consumer and I am requesting legal action to remove this account immediately. 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 2020-11-12 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: CT

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  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 2020-11-12 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: CT

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SXXXX XXXX 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 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was denied to open an 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 2020-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
My issues is that Target sent an unauthorized payment to my bank in the amount of {$28.00}. I attempted to call the customer service line and was unsuccessful at getting through, I then called my credit union and notified my branch that a duplicate payment had been sent to my account. 
After filing the dispute and receiving the funds back to my account, I then reach out again to Target. I explained what had happened. I was told by their customer support that I was being charges a fee for a returned payment and they would not adjust this fee. I was told that the payment was sent by an auto pay. Auto Pay had been suspended in XX/XX/2020 and for 3 month did not automatically sent a payment to my Credit Union. Furthermore, I would told the auto Pay was only temporarily suspended so it was my fault. First I was told the suspension was for 30 days. then 60 days, In fact, I took it off on XX/XX/XXXX, Screenshot the notification, and called Target to verify it was cancelled. I was not notified it had been turned on nor did it show up when I made a manual payment. 
I made a payment every month! I had told Target I was possibly filing bankruptcy in XXXX and closed the account in XXXX. Three weeks later the auto pay restarted ; sending two payments to the credit union. This is an unfair charge which they have indicated quite clearly that they will not do anything to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2020 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My identity was stolen around XX/XX/XXXX, and the thief ( in XXXX Oregon, a place I have never been ) opened an American Express account in my name. He made some payments on it, then defaulted and disappeared in XXXX. As soon as my wife and I found out about the fraud on XX/XX/XXXX, we filed a police report ( XXXX Police # XXXX ), filed with the FTC, and contacted credit monitoring companies ; all involved parties confirmed that this was fraud and I was not responsible. But American Express has continued to deny this because payment was once made by the thief from a XXXX XXXX XXXX XXXX  account - we have no such account! 
We have tried to get American Express to recognize this since XX/XX/XXXX, and have sent them all the relevant material and proofs they requested, but they have ignored and refused it all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 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: CT

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I contacted the companies involved and was told that would receive a letter in the mail which I did not receive.

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 2020-11-12 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: GA

Complaint narrative:
For the past 5 months I have been trying to get Method of Verification for Account # XXXX with Lease and Rental that has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.

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 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I received written notification from Midland Credit Management that my account with XXXX XXXX account ending XXXX ( XXXX  ) had been sent to them on XX/XX/XXXX for not paying the amount of {$460.00}. 

Upon receiving this notification, I checked all of my bank records and found no such account in my records. I do have 3 other XXXX XXXX  accounts : XXXX ending XXXX, XXXX ending XXXX, and XXXX 's ending XXXX. I then called XXXX XXXX to see if they had charged-off a debt on any of my accounts, and they confirmed that they had not and went as far back as XXXX. 

I have never received a bill ending in XXXX and this is the only document that I have received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 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: FL

Complaint narrative:
There is an account on my credit report for XXXX XXXX XXXX with account number XXXX that I sent a dispute to Experian to provide a full payment history because I believe the statute of limitations has expired. What they responded with was only history back from XXXX and the account was showing opened XX/XX/XXXX where are the remaining months, years etc?

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 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
I opened my credit account on XX/XX/XXXX when I was notified that I had a XXXX doll in outstanding balance in collections from A company name AFN I have no knowledge of an I suppose to open the account on XX/XX/XXXX! But thats impossible.because I have not opened an account or made any arrangements with anyone to make any payments during XX/XX/XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Voice mail as follow- XXXX XXXX my name is XXXX XXXX I'm contacting you regarding your case that is in the process of being filed to XXXX County by XXXX to make you aware that I ____ your case number XXXX __ ____ __ the county it becomes a matter of public record and there is an order for your location since I was unable to reach you by phone __ XXXX I have been instructed to contact your employer is because your supervisor because it does look like that is going to be your likely place of location XXXX you have the legal right to contact the _________ office that is processing your case however you would have to speak with them before your case about not sure case of discharge from their office all of your legal rights will be forfeit the number provided for their office is XXXX and also XXXX XXXX that you're going to need to speak with _____ legal department XXXX XXXX you are being legally notified by telephone and _ ____ so otherwise you will be located at your primary residence place of employment or third-party relative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: GA

Complaint narrative:
My complaint is about Equifax. Three times this year we have had to temporarily lift our credit freeze and all three times it was a breeze with XXXX  and XXXX XXXX. Never in the last 3 years have we managed to lift the freeze with Equifax without wasting several hours, sometimes stretching over several days, trying to use their various methods. We are a couple that share an email, and just this year were we able to determine that Equifax will not allow us to use their phone system or on line system to manage our account. They say we have to have a separate email from each of us in order to do that. They always say that does not matter, we can call them. No matter how many phone numbers we are given to reach them directly, we have to waste hours trying to use the prompts in their phone system, trying to reach a live person. Sending codes to my email, sending codes to my phone, nothing gets us into their system. They keep you on hold for 45 minutes, " accidentally '' disconnect you when you do reach someone, and are rude and using people whose first language is NOT English. If you ask for someone who does understand English, they won't transfer you. They keep insisting they can help you, while repeating everything you are saying to them, without answering your questions. Our banks and stores know this is going on, but say they are sorry, they have to pull the report from all 3 companies. How can this company continue to do this to the consumers, with the systems knowing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CT

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

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 2020-11-12 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: CT

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

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 2020-11-12 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:
XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX XXXX XXXX and all 3 credit bureaus regarding a PAID OFF account that was opened in XXXX. I haven't received a response in over 35 days. XXXX and XXXX has since deleted this account from my credit report while Transunion report is still open. It is well over 30 days again and the account still hasn't been updated or removed.

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 2020-11-12 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: TN

Complaint narrative:
I have sent documents to Experian showing them that XXXX removed a chapter XXXX bankruptcy from my credit report and they continue to states that this information is accurate. I have several documents from XXXX showing that they removed this item from my credit file with them.

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 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Emails in account portals for weeks. 
Wells Fargo continues to tell me to call Escalations Dept when I asked for the Government contact info to report Error Fees : a {$31.00} charge for a Stop order that isnt needed continuously or agreed to pay for ( asked for a one time stop IN CASE ) Banking Errors : beginning XX/XX/2020 bank statement, I asked for a manual audit because the banking statement math was incorrect. 
TODAY : XXXXCustomer Support answered the phone to display an argument that I spoke to her in that way when I asked what she referred to, she hurried to transfer the call. Fraudulent claim that I was a customer difficult to handle & not following customer practices.

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 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2020, Chase Bank N.A. sent me an e-mail message with the subject line " Please review : ( NAME REACTED ), action needed for your credit card payment. '' the message went on to state " Make a payment to stay on track '' and " Your minimum payment of XXXX is due on XXXXMaking payments on time keeps your account up to date. '' On XX/XX/2020, I went to the Chase.com website and scheduled a {$4600.00} payment ( which was the full balance due ) to be made on XX/XX/2020, on this account. I have had this credit card account for approximately four years and have never been late on a payment. 

When Chase Bank N.A. sent me the above-referenced XX/XX/2020 e-mail message in which they stated, inter alia, " Action Needed '' I was deceived into thinking that I was required to take some sort of action or would risk being " off track '' as their message stated. Chase Bank N.A. knew, or was careless or negligent in not knowing, that I had in good faith scheduled a payment in full for the account on XX/XX/2020, and had not cancelled or altered it in any way. I feel that Chase Bank N.A. targeted me for misleading marketing due to my age and/or my political beliefs, both of which are protected by federal law. 

On XX/XX/2020, I wrote to Chase Bank N.A. through their website ( www.chase.com ) and expressed my concerns ; on XX/XX/2020, they replied " I have forwarded your message to the appropriate department for review. We will contact you again in the next 10 to 14 business days. ''

Company response to consumer: Closed with explanation