vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 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: DriveTime
State: GA

Complaint narrative:
I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX   on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX Formerly known as Drivetime and XXXX XXXX. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s ) bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair  Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit  bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20 I saw a large charge that was not ours. I immediately called bank of America and reported it and filed a claim for that days charge plus 4 other smaller charges that I found from past week. 
XX/XX/XXXX {$47.00} XXXX XXXX XX/XX/XXXX {$42.00} XXXX XXXX XX/XX/XXXX {$25.00} XXXX XX/XX/XXXX {$37.00} XX/XX/XXXX {$1000.00} I explained to them I had taken the card and put it in my kitchen drawer ( chip was loose ) The only explanation I can come up with is we had some workers over little over a week prior to XX/XX/XXXX and must have taken my card Bank of America denied my claim saying that i failed to report it lost or stolen. My card was not lost or stolen to the best of my knowledge it was in my kitchen drawer! The day I saw the charge for {$1000.00}, I immediately called b of a and filed a claim. I appealed the decision to deny this claim and they denied my appeal. I was never successful in speaking to a manager despite trying several times. I am at a loss on how to get refunded what was stolen from 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 monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/2020, and XX/XX/2020, and XX/XX/2020 letters were sent USPS and via Fax No. XXXX and calls and messages were left at XXXX. 
No one has responded in writing as requested or returned my telephone calls. The letters addressed a compromise in the services offered to me by Chase and a statement regarding my ability to pay that requires a written response for legal purposes. There has been no form of response to these specific letters -- XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. I have been mislead to believe that someone was going to contact me shortly. However, no response in writing or any other form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Fedral Credit Union has me in XXXX XXXX preventing me from opening an account elsewhere. I paid NFCU in full ( XXXX ) I should be removed from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. 

Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE. 

CBE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This is my third attempt reaching out to this company in regards to inaccurate information reporting on my credit report. I have contacted this company through mail and by telephone. They have not removed the inaccurate accounts that are on my credit report. These are violations of the Fair Credit Reporting Act and the FDCPA. Also there were inquiries that were unauthorized that are listed on the reports that was sent to this company. This company has failed to comply to laws stated in section 611 of the Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CNG HOLDINGS INC
State: MN

Complaint narrative:
I was unaware of a debt owed to XXXX  from 7-8 years ago. The company was harassing and saying that they would show up at my home and work. Also, they lied saying they had me recorded accepting the debt as mine. I still don't know what it's for and paid them anyway to make them go away. Absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In 2017 I contacted Experian, XXXX and XXXX and also provided proof from the courts that I didnt file a bankruptcy. XXXX and XXXX removed it. Experian is still reporting me as having a bankruptcy. I have written them several letters asking to remove this incorrect item

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 2020-08-04 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I used my credit card for 2 months, I made 3 payments, my credit card was paid in full. The citi bank still want {$390.00} from me, but they ignoring me, they do not want to solve the problem. This is fraud.

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 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have received 4 months forbearance ; however, no one has responded in writing to my letters sent to Discover on XX/XX/2020, and XX/XX/2020. The letter explains my financial situation and requested a response in writing. I sent this letter to several different addresses for Discover such as the following : XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Discover XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Credit Card Services XXXX XXXX XXXX XXXX XXXX, NC XXXX NO one from any of the addresses have responded by phone or mail. Each time customer service states they have no record and give me another address which is always different.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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:
For years I have been disputing items on my credit report specifically social security numbers that are not mine additionally to creditors that do not belong to me. I just found out that there is almost $ XXXX in collections that doesnt belong to me that has affected my credit score. I am constantly disputing things on my credit report but they keep on putting other things not mine back on. I have this problem with all 3 credit  bureaus. Also because of incorrect information I have a hard time getting my annual report some times.

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 2020-08-04 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: LA

Complaint narrative:
This is my third attempt reaching out to this company in regards to inaccurate information reporting on my credit report. I have contacted this company through mail and by telephone. They have not removed the inaccurate accounts that are on my credit report. These are violations of the Fair Credit Reporting Act and the FDCPA. Also there were inquiries that were unauthorized that are listed on the reports that was sent to this company. This company has failed to comply to laws stated in section 611 of the Act.

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 2020-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE. 

Enhanced Recovery CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I have a PNC account and I'm tying to use a stock app ( XXXX ) and am unable to bc PNC refuses to link my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My 3 credit reports are showing I have an account with the Dept of Education. I went to college 1 time years ago and my loans were forgiven because i became XXXX. This should not be on my credit reports

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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My 3 credit reports are showing I have an account with the Dept of Education. I went to college 1 time years ago and my loans were forgiven because i became XXXX. This should not be on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My 3 credit reports are showing I have an account with the Dept of Education. I went to college 1 time years ago and my loans were forgiven because i became XXXX. This should not be on my credit reports

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 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
The amount is {$89.00}. I got charging case from merchant in XXXX but in XXXX case stop working I do have receipt where is saying that I got 5 years warranty so I try to call merchant numerous times but no luck so I call my bank and file dispute after some time I received a message that this transaction is legit and they can't dispute it I call them they said write us letter to reopen case I did so but nothing so I call and call and call and email but nothing so finally someone from private number call me back and told me to stop calling and email them go my way and deal with a merchant that they will not dispute this transaction. Please help me I know its seams {$89.00} not a lot but its big money form me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Have 45 yr mortgage with Wells. Im a single XXXX  bankrupt mom sick after XXXX XXXX XXXX gone wrong. Wells never paid my escrowed home insurance. They lied over 6 weeks claiming on XXXX bulk check denied then said another left on XXXX then told that never went out. Then told next check sent XXXX but insurance never received. Then exec office XXXX XXXX told me last Friday new check was overnighted. But that one never received either. Wells is taking my home leaving son and I XXXX  on streets as I XXXX XXXXXXXX XXXX. By escrow law they were supposed to pay

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 2020-08-04 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: TX

Complaint narrative:
XXXX and equifax has my whole credit report XXXX  up see the ftc and all documents to settle my case pls XXXX XXXXXXXX XXXX not mine XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX not mine addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TX

Complaint narrative:
Having trouble getting in touch with the credit bureau to have the fraud alert removed from my profile

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 2020-08-04 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: OK

Complaint narrative:
I have submitted a complaint about incorrect reporting. 

I was advised via the CFPB process that the company would be informing about the steps that were taken to investigate reported information. 

To date, I have yet to hear anything of substance from XXXX XXXX, Equifax, or XXXX about the steps that were taken. 

I maintain that what they have reported on me is incorrect, and not single phone call, letter, or any means of communication has been made to contact me about clearing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have made 5 yes 5 complaints against Experian with the CFPB this would be the 6th. They have never responded to my complaints stating : " your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I have been sending mail to them for over a year and have recorded phone calls of them stating that they confirm these accounts being Paid In Full in XXXX. Bankruptcy and credit accounts on report validation request are also ignored and I send them certified with a bill and copy of my ID. Experian has stalled for long enough. Please see previous complaints below and review all documents sent to experian directly by me. I have also attached my XXXX paperwork, bank document, a photo taken today with me holding a note to experian, my Ohio Drivers License, NC ID, Unemployment documentaion that came today and other mail sent to me today confirming I am me. The call I recorded is also attached in the previous complaints made but will not load to this one. There are so many documents that all can not be loaded due to the MB allowed. I will be willing to send them by mail or email if needed. 

A complaint was filed with the FTC on XX/XX/XXXX as well as the XXXX   on 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 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter from chase bank on XXXX that my account would be closed and Id receive a check with my funds. Its now XXXX and XXXX dont have my funds. We are in the middle of a pandemic this should illegal to hold my money for so long. Customer service is absolutely no help nobody can give me any information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I cant connect my bank account to the XXXX app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TX

Complaint narrative:
Having trouble getting in touch with the credit bureau to have the fraud alert removed from my profile

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 2020-08-04 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: TX

Complaint narrative:
Having trouble getting in touch with the credit bureau to have the fraud alert removed from my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I called citizens one bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On none of the occasions was I granted my 180 day mortgage forbearance covered by the cares act due to covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT. I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

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 2020-08-04 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: TX

Complaint narrative:
experian and XXXX has my whole credit report screwed up see the ftc and all documents to settle my case pls XXXX XXXX XXXX  not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX all not mine addresses

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 2020-08-04 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX and XXXX has my whole credit report screwed up see the ftc and all documents to settle my case pls XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX all not mine addresses

Company response to consumer: Closed with explanation