vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 2 credit inquiries on my credit report from you. Section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, none of which apply to this situation. Remove immediately. There are several dates of inquiries on my credit reports, Instruct the credit bureaus to remove these inquiries immediately! 

XXXX XXXX/XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XXXX XXXX XXXX XXXX  equifax XXXX XXXX XXXX XXXX  equifax XXXX XXXX XXXX equifax XXXX XXXX XXXX equifax XXXX XXXX  XXXX  equifax XX/XX/XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX  XXXX XXXX equifax XX/XX/XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX  XXXX only equifax XX/XX/XXXX XXXX XXXX XXXX  XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX  XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX/ XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX   equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX   XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX   XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX   equifax XX/XX/XXXX XXXX XXXX XXXX  XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I FILED A DISPUTE WITH CITI BANK IN XX/XX/2019 REGARDING THE PURCHASE OF A MATTRESS IN THE AMOUNT OF {$1100.00}. I DISCUSSED THIS PROBLEM WITH CIITBANK BUT ANYWAY REVERSED THE CHARGES BACK ONTO MY CREIDT CARD EVEN THOUGH IT WAS NOT MY FAULT. I HAVE ATTEMPTED TO CONTACT CITIBANK SEVERAL TIMES BY PHONE, INTERNET AND MAIL, BUT DUE TO THE VIRUS THEY CLAIM RESPONSE IS DELAYED, BUT IN FACT THEY CAN NOT BE CONTACTED AT ALL. I ALSO FORWARDED A RETURN RECEIPT LETTER TO THEM AND I DO NOT WANT TO INCUR ADDITIONAL CHARGES FROM THIS MISTAKE. 

THE XXXX XXXX ( SLEEP HAPPENS ) FAILED TO DELIVER A MATTRESS TO ME ON TIME. RESULTING WITH NOTHING TO SLEEP ON I WAS FORCED TO BUY AN AIR MATTRESS THEN PURCHASE ANOTHER MATTRESS FROM A  DIFFERENT COMPANY ... THIS COST WAS OUT OF MY OWN POCKET EVEN THOUGH THE MATTRESS COMPANY WAS IN ERROR. 

CITIBANK XXXX, XXXX XXXX, SD 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 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Settled an old collection account XXXX  # XXXX through XXXX XXXX XXXX XXXX XXXX Acct number with XXXX is XXXX. All 3 of of my bureau reports still show a remaining balance of {$1200.00} and is getting reported as late every month. When i call XXXX listed on the credit report at XXXX They tell me i need to call XXXX XXXX XXXX about this issue. When i call XXXX and XXXX they tell me this is a XXXX issue to call them. I am getting complete runaround. I need this information updated as settled in full and show XXXX balance on my report and stop saying i am late every month. I have disputed this through all 3 reporting agencies 3 times and it never changes the outcome. I have the letter from XXXX XXXX XXXX account # XXXX and still the 3 credit reporting agencies don't change the information. Help is needed

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 2020-04-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Settled an old collection account XXXX  # XXXX through XXXX XXXX XXXX XXXX XXXX Acct number with XXXX is XXXX. All 3 of of my bureau reports still show a remaining balance of {$1200.00} and is getting reported as late every month. When i call XXXX  listed on the credit report at XXXX They tell me i need to call XXXX XXXX XXXX about this issue. When i call XXXX and XXXX they tell me this is a XXXX issue to call them. I am getting complete runaround. I need this information updated as settled in full and show XXXX  balance on my report and stop saying i am late every month. I have disputed this through all 3 reporting agencies 3 times and it never changes the outcome. I have the letter from XXXX XXXX XXXX account # XXXX and still the 3 credit reporting agencies don't change the information. Help is needed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: NC

Complaint narrative:
In XX/XX/2018 {$75000.00} were borrowed from LoanMe and a bank draft was started in the amount of {$2400.00} for the passed twenty-five months. Thus far {$62000.00} has been paid and we called to find out our payoff amount and was told the payoff amount that we owe now is {$72000.00}. We did not expect these loan shark tactics and tried to reason with them. We believe it to be unfair after twenty-five months to have paid {$62000.00} and still owe {$72000.00}. The payoff amount is {$76000.00} seems to be illegal. 

This is putting an hardship on our family ; especially during this COVID-19 pandemic! We were told these people are very strong with powerful lawyers and will take everything we own. Can anyone help us? Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
Delta Management Associates is out of compliance with the CARES Act by failing to contact my employer about the 6-month freeze on student loan wage garnishments. 

Even after my previous complaint two weeks ago about the continuation of wage garnishment, Delta Management Associates continues to garnish wages and has failed to notify my employer.

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 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST MERCHANTS CORPORATION
State: IL

Complaint narrative:
Bank refuses to close account. I have called, messaged, and have sent two separate notarized requests to the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon review my credit report, there is an error reporting in my credit files. unauthorized false information report by XXXX XXXX XXXX. I have reach out and have resolve the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TN

Complaint narrative:
I begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX ( {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX/XXXX ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX/XXXX  ( {$1300.00} ) ( XX/XX/XXXX ), XXXX XXXXXXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX   {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to XXXX, Equifax, and XXXX  about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX ( {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: Kentucky Higher Education Assistance Authority
State: GA

Complaint narrative:
Someone got a student loan in my name and the company won't remove this fraudulent account from my credit report even though I've already disputed and proven this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
I used Cash App to send {$30.00} from my debit card to another user who ended up never giving me the goods for the money. Cash App refused to help and when I filed a chargeback dispute with my bank, rather than comply with the dispute, Cash App closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$920.00} COLLECTIONS XXXX {$220.00}

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$920.00} COLLECTIONS XXXX {$220.00}

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 2020-04-10 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: NE

Complaint narrative:
Company : Equifax Issue : They have my credit information mixing with another person. 
Steps taken : I have called and talked to 3 different representatives and received 3 different stories. 
Was initially asked to fax in my driver 's license, social security card, and cover sheet with summary of issue. Sent on XXXX after conversation on XX/XX/XXXX. Was told to wait 2 business days and call back to get status update. Called on XXXX, spoke to XXXX ( a second rep ) and was told to call back after 5-7 days of original call, nothing had been received, noted or recorded at that time.Called XX/XX/XXXX and spoke to XXXX, a 3rd rep, and was told that they are not receiving any faxes and would now have to mail it in and should expect to follow up in 30 days. She also said she " found my file ''. I asked if i could get any information as to a file number or any information I can use to expedite future calls, she said there is no information like that. 
I tried to get this fixed 4 years ago and went as far as to mail in my DL, SS, and another credit report. They said they never received any of that information. 
They refuse to notate anything and tell me that they can't do anything until they receive the information that i have sent to them on multiple occasions. 
I need resolution to this as it is affecting my ability to finance. I have no issues with either of the other two reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I received a washer and dryer from Conns. After coming home from work I noticed scratches and a dent at the bottom of the dryer. I contacted the store immediately and was told to contact the customer service number. After I submitted a request online, I was offered a {$69.00} deduction for the damages, however, I received nothing in writing. I also notified the store and the customer service department that the {$100.00} admin fee was not on the contract that was made available for me to sign on line. I was unable to retrieve a copy of the contract that I signed. The fee was added after the contract was signed. I informed the store manager that I wanted to return the appliances due to the damaged dryer and the {$100.00} hidden admin fee that was not disclosed upon signing the contract. I was told by the store manager that I had to pay the restocking fee before he had the appliances picked up. He tried to force me to pay the restocking fee yet the appliance was damaged. A few days later, the washer began pouring water from underneath which flooded my entire laundry room, dining room and garage. The appliances are not 14 days old. I returned the appliance to the store and the manager stated that I could not return the appliances to the store and that I owe because its a voluntary repossession. The appliances are damaged and the store is still trying to force me to keep them. The manager laughed and was unprofessional as I was explaining my issues to him and his staff members. I waited a week to receive some type of resolve with no phone call. I called customer care at the home office store and have not received a response. The appliances have been returned to conns on XX/XX/20. I have pictures as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 33 credit inquiries on my credit report from you. Section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, none of which apply to this situation. Remove immediately. There are several dates of inquiries on my credit reports, Instruct the credit bureaus to remove these inquiries immediately! 

XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX the XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX  XXXX Trans Union XX/XX/XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union 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 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 6 credit inquiries on my credit report from you. section 609 states that you need to provide the application that was filled out when this account was  opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately the inquiries from. 
XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I took out a loan of {$1200.00} in early XXXX with Target Cash Now. Actually, they took out a {$75.00} processing fee and {$1000.00} was direct depoisited into my checking account. The interest rate was over 700 %. They started taking payments every two weeks out of my account. Each payment was {$380.00} every two weeks. I then realized just how bad this loan was as the principal was paid back just after 6 weeks. I paid them about {$2000.00} in payments and started to have trouble making the payments. I am a senior citizen and a veteran and I started reaching out to TCN to try and get a settlement I could afford. Over four weeks I spoke with different people at TCN some acted like they would work something out with me and some had the attituded of a loan shark and were mean. I made an offer to pay them {$800.00} in two installments. {$400.00} the third Thursday of the month when my Social Security is deposited. for ten days is was told the people at the top had not yet approved my offer.  Yesterday, I called and a rude man told me they had sold my loan to a collection agency. I was very upset and asked to speak to the CEO. The man told me he didn't know who the CEO was. That of course was a lie.I found out from the XXXX website that their CEO is Ms. XXXX XXXX and a XXXX XXXX is their Compliance Manager. XXXX is owned by the XXXX XXXX XXXX XXXX I believe from Montana. Since this COVID 19 virus has come upon us, paying this has become even more difficult for us. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I want to dispute to my credit card provider PNC Bank the amount of {$100.00} for late fee and interest charges in my account. 
I signed up automated payments to avoid paying late fees and interest charges. 
My total balance was withdrawn from my checking account every month. 
PNC Bank mailed me a new card with a new number and new security code, the customer service representative told me that my balance in my card ending XXXX will be transferred to the new one, but never mentioned that I'll have to enroll the new PNC credit card in automatic payment again. 
I spoke with XXXX XXXX PNC customer service supervisor today XX/XX/XXXX but he refused to remove these charges

Company response to consumer: Closed with monetary relief