vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
In XXXX XXXX, I went to Cash Express in XXXX, TN and got a flex loan of {$660.00}. But after interest, I was suppose to pay back probably about {$2000.00} and something. I paid my payments on time. Until I went through a tough time and quit paying them until I could afford it. Approximately 3 months after I stopped paying, I gave XXXX  to my XXXX. They called me the morning after I gave XXXX  and told me I needed to come pay them. I said I just XXXX  XXXX, youre going to have to wait. They said have someone bring it for you. I hung up on them, I was irritable and had XXXX  in places they shouldnt be, I was in XXXX  and they didnt understand that. So fast forward to today, I got a letter in the mail saying they was going to file a lawsuit to collect my balance or they would repossess something of mine if I didnt pay my past due balance within 5 days of the letter being sent out. Well, it takes 5-7 business days for a letter to get from one place to another. They dont even have access to anything I own to repossess anything. They legally arent allowed to threaten me with a lawsuit, based under the CFPB. They were in trouble for this in XX/XX/XXXX. I dont think they know that I know this and that I know they cant even practice a lawsuit, much less threaten me with one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates
State: NV

Complaint narrative:
Hello my name is XXXX XXXX in I'm here issuing a complaint against a accreditors for Hillcrest Davidson and streamline benefits die have documents that they are suing me for money and I want this account audited I have no information on what this complaint is about I watch this processed accordingly and then went documents to prove that I owe this said I don't have any information at the moment and I'm requesting that issue thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Upon trying to link my PNC bank account to my XXXX virtual currency account it was noted that PNC does not allow the connection between the two, presently. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: IL

Complaint narrative:
These are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: IL

Complaint narrative:
These are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I want to link my bank account that i have with PNC bank to my XXXX XXXX stock account but it does not let me because the PNC bank refuse it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Sent letter by XXXX on XX/XX/2020 and by certified mail on XX/XX/2020 to Commonwealth Financial Systems for two items that appeared on my credit report in XX/XX/2020. I requested verification that the debt was mine in the form of my signature. I received itemized statements for both. The statement for {$1400.00} not only does not contain my signature, it also does not contain my name. The statement for {$290.00} does not contain my signature. My name is typed on it and under it a XXXX XXXX XXXX XXXX  policy number that does not belong to me. Since mailing Commonwealth these letters I have begun to receive phone calls from a company called XXXX for the {$1400.00}. So, I am wonder if they " sold '' this since receiving my letter although they are still reporting it the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: NV

Complaint narrative:
These are not my accounts nor did I authorize all of these companies to pull my credit.

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 2020-06-14 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: NV

Complaint narrative:
These are not my accounts nor did I authorize all of these companies to pull my credit.

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 2020-06-14 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: NV

Complaint narrative:
These are not my accounts nor did I authorize all of these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
This is a complaint against State Farm, for the abuse and disrespect of sending me letters to my house. Those accounts don't They belong, they are not mine, I made a complaint to close that account from your credit files, and what are you abusing and creating a climate of terror, which part does not understand? They are not mine, and I have nothing to discuss with you. I gave him all the necessary documentation, but I see that they are making fun of me, sending sarcastic letters to intimidate me. I ask that you please stop sending me letters with those accounts because they are not mine, and you are violating federal law, reporting open accounts under fraud and : I don't think what you're doing is funny. I request that you stop sending me, letters to my house, stop calling me. I ask that this be solved in the best way, if you continue to report those accounts under my name and send me collection letters, I will take legal action against State Farm for defamation, harassment, and reporting accounts under my name. I have a police report and an affidavit, I will file a complaint with the FTC and business bureau. And a lawsuit to collect accounts that were opened under fraud. If you want to talk something, you will have to do it with my lawyer. For the lawsuit that I am going to file against you. I wanted to take everything for the. Via dialogue, but abuse and disrespect can not tolerate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: TX

Complaint narrative:
XXXX added two collection accounts to my credit reports in XX/XX/2020. I have disputed these accounts with Experian at least four times. The first three times Experian took approximately 2 to 3 days to " investigate '' and then notified me that both accounts were verified as accurate. I have not been able to speak with anyone to see exactly how they " verified '' this. I sent them a copy of the letter that was mailed to XXXX asking for verification that this was my debt in the form of my signature. I uploaded the forms received from XXXX to Experian. This included an itemized statement for {$1400.00} that not only did not contain my signature, it did not contain my name on the actual statement. Experian still verified this account as accurate and it remains on my credit report. The itemized statement for {$290.00} does not contain my signature and contains a XXXX XXXX XXXX policy number that does not belong to me. As previously reported to Experian, when our daughter had XXXX all of her medical bills that went unpaid after insurance went on my husband 's credit - not mine. She is on his insurance.

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 2020-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
The Bank of America " SECURED '' card allows access to rebuild credit and establish credit, atleast that is how BOA advertises it. I applied for a " SECURED '' card and was denied. My income was more than enough, my debt is decreases due to rebuilding credit, & I had MORE than enough money for a hefty deposit, WHICH BANK OF AMERICA HOLDS until they feel you are ready for a unseucred card. My issue is I got an automatical denial without a manual review of my application and circumstances. The " SECURED '' card is marketed completely wrong and it is very disengenious in its verbiage.

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 2020-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX & i had deposited my unemployment check which was {$2200.00} with Huntington Bank. I opened my account on XX/XX/XXXX which naturally there was a hold place due to new accounts but the date for my funds to be released changed 3 times from XX/XX/XXXX to XX/XX/XXXX then XX/XX/XXXX which i received a letter stating it will be available for withdrawal on that date but now im being told that they will get back to me when XX/XX/XXXX will be the 5th business day. I also have other family members that has had a hold on their account for 1 month to 3 months with the same state treasury checks. Ppl need to pay bills and this bank is being ridiculous. I have never had a bank account before so my daughter tried to help me so we have a joint account so there is nothing but issue on top of issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX I filed my taxes. I made a mistake on the account the refund was to be sent too. The transfer occurred on XX/XX/XXXX. The refund was sent to JPMorgan Chase under routing number XXXX. The account number the transfer was too was a 15 digit account number which did not exist. On XX/XX/XXXX I contacted my tax preparer and was told not to worry. The process would be that Chase would reject the transfer and return the money to the IRS. The IRS should return the funds to me via paper check and let me know if the error. Then COVID happened. Fast forward to XX/XX/XXXX and I still did not have a refund. I contacted chase ACH team at XXXX. They confirmed they received but could not confirm they returned. After 8 hours they recommended I open an account and they could help route the money. I am not willing to do. The key point. Chase confirmed they had the money. The account t was invalid and they would not return until the irS explicitly requested. I have submitted a case with the iRS and am waiting the 90 days for the review. But chase is actively keeping my cash from me and will not speak to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: TX

Complaint narrative:
XXXX added two collection accounts to my credit reports in XX/XX/2020. I have disputed these accounts with XXXX at least four times. The first three times XXXX took approximately 2 to 3 days to " investigate '' and then notified me that both accounts were verified as accurate. I have not been able to speak with anyone to see exactly how they " verified '' this. I sent them a copy of the letter that was mailed to XXXX asking for verification that this was my debt in the form of my signature. I uploaded the forms received from XXXX to XXXX. This included an itemized statement for {$1400.00} that not only did not contain my signature, it did not contain my name on the actual statement. XXXX still verified this account as accurate and it remains on my credit report. The itemized statement for {$290.00} does not contain my signature and contains a XXXX XXXX XXXX policy number that does not belong to me. As previously reported to XXXX, when our daughter had XXXX all of her medical bills that went unpaid after insurance went on my husband 's credit - not mine. She is on his insurance.

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 2020-06-14 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:
XXXX added two collection accounts to my credit reports in XX/XX/2020. I have disputed these accounts with XXXX at least four times. The first three times XXXX took approximately 2 to 3 days to " investigate '' and then notified me that both accounts were verified as accurate. I have not been able to speak with anyone to see exactly how they " verified '' this. I sent them a copy of the letter that was mailed to XXXX asking for verification that this was my debt in the form of my signature. I uploaded the forms received from XXXX to XXXX. This included an itemized statement for {$1400.00} that not only did not contain my signature, it did not contain my name on the actual statement. XXXX still verified this account as accurate and it remains on my credit report. The itemized statement for {$290.00} does not contain my signature and contains a XXXX XXXX XXXX policy number that does not belong to me. As previously reported to XXXX, when our daughter had XXXX all of her medical bills that went unpaid after insurance went on my husband 's credit - not mine. She is on his insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I owed a debt to XXXX XXXX XXXX. That debt was sold to LVNV Funding LLC who assigned to XXXX XXXX XXXX who sent me a letter offering a settlement amount if I paid in one lump sum. I paid them {$180.00} on XX/XX/XXXX. Almost a month later I noticed the debt was not removed from my credit report. I called XXXX XXXX on XX/XX/XXXX who said it takes time which is totally not true as I have made settlement payments in the past and the account was immediately removed from my credit report. So they told me to call LVNV which I did. When I finally got someone on the line she said that I had issued a no contact via phone or mail and was informed that I would have to lift that. I already know that was fishing. Since the account was paid there was no need to lift the no contact. They wanted me to do that so they could keep harassing me. Since they took my payment and didn't close my account they can now close my account or refund me the {$180.00} otherwise I will dispute the charge with my bank and the charge reversed. Their choice. My bank don't take too kindly to people trying to rip me off. I have already gotten payments reversed with this bank that I was told couldn't be reversed. This company played with the wrong one as I have been trained as a XXXX  so I know exactly what they are and aren't allowed to do. It doesn't take time to close an account, It only takes time because they falsely represented that they were authorized to accept settlement payment. That is against the law. They will either close the account or refund my money. I ain't playing games with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: MS

Complaint narrative:
Company says " You agree to pay us a monthly handling fee in an amount equal to 24.17 % of the outstanding principal balance of your loan per month, or any portion of a month. This monthly handling fee shall not be deemed to be interest for any purpose of law. '' but at the same time has the following contradictory term that I have evidenced in a screenshot. These terms are contradictory and the company is admitting that the fees charged ARE IN FACT INTEREST. I will be disputing the inquiry on my credit report as this is a fraudulent lender if this fraudulent lender inquiry is not immediately 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 2020-06-14 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:
on XX/XX/2020 i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report. i have not received anything back as of yet so over 60 days. im a human and i expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus but this is not an excuse to treat consumers this way.

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 2020-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Upon reviewing i notice a New CHASE Total Checking account and credit card open under my information without my acknowledgement or consented. Please authenticate the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/2020 i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report. i have not received anything back yet so over 60 days. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.

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 2020-06-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2020 i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report. i have not received anything back yet so over 60 days. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.

Company response to consumer: Closed with explanation