vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 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: CA

Complaint narrative:
On approximately XX/XX/XXXX, I awoke to a credit file alert with Equifax that my score had plummeted. I immediately checked my Equifax Monitoring Service and discovered a twice-disputed item had been reinserted as a collection on my files. Again, this collection agency, XXXX XXXX XXXX XXXX, had been deleted twice. First in the Equifax results page dated XX/XX/XXXX. Attachment of results included. And then again on XX/XX/XXXX. Attachment included. 

I did not make immediate contact with Equifax but waited until I was notified of this reinsertion with hopes that it was a mistake. It was not, at least on their part, as when I finally submitted a complaint regarding the Collection record, I was sent a result in absolute contradiction to the prior 2 resulting outcomes ; the item was to remain and additionally, updated. Sadly, I never received any correspondence ( s ) from Equifax to inform me of this negative and score-detrimental decision to report this item as absolute fact.

In the complaint, all documents I am providing you were sent via USPS tracking  with delivery signature confirmation. 

As Equifax has not informed me in any form within the 5-day requirement outlined by the FCRA, I believe the only absolute remedy to this situation is an immediate and permanent removal of the medical collection item from XXXX XXXX XXXX XXXX. My consumer rights, and Equifax 's disregard for my rights by not notifying me through proper means and without as much a certificate of accuracy demands this item be deleted permanently. Otherwise, my only other recourse would be through legal means. I may be one individual without any clout or power, but this kind of action on the part of Equifax is not only careless, but disregard for the procedures that govern this very agency 's actions. 

The previous dispute results accompany this complaint and I hope to get this resolved as quickly and efficiently as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 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: NJ

Complaint narrative:
equifax is reporting a debt that is fraudulent. i contacted XXXX XXXX bank of which they said they have no record of my information. i want this negative item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: NJ

Complaint narrative:
I received a loan in the amount of {$670.00} on XX/XX/2018 from a company name XXXX XXXX also known as XXXX. I have paid back a total of {$580.00} as of XX/XX/XXXX which comes directly out of my bank account. When I reached out to the company on XX/XX/XXXX to inquire about my balance and the payoff amount they told me if I wanted to pay off the loan on that day it would cost me {$730.00} ( XX/XX/XXXX ). I asked why is the amount I owe double what I borrowed and I had been paying the loan off as agreed and they said it's a default loan re-payment plan and I asked them how can a loan that I am paying as agreed in default and I haven't missed a payment they said it's what was agreed to and I said that's not what I agreed too, I agreed to payoff the loan within 60 days. I asked them if this is legal to charge someone 789.4 % interest rate, they could not explain. I have another payment of {$210.00} coming out of my account on the XX/XX/XXXX and that will be a total of {$800.00}. All I'm asking is to be charged a legal interest rate on the {$670.00} I borrowed that will be paid off within the 60 days from the date that I borrowed on XX/XX/18. I should not be charged a default loan payment on a loan I have not defaulted in. the average legal rate for the state of new jersey is 16 % according to the Usury laws by state. The feasible loan interest and payback should not be {$5100.00} on a {$670.00} loan, this is outrageous and this company should be investigated Please see the lending disclosure. This is my first time taking out this kind of loan it was an emergency and I needed the money for some bills but I should not have to be in debt to a company for a loan that I was able to payback within a reasonable amount of time. I was not fully aware that this company was such a scam. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
XXXXXXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. While no accounts were established the applications left fraudulent related inquiries on his credit reports. TD bank received one of these fraudulent applications XX/XX/XXXX and conducted an inquiry into his XXXX credit report. An official dispute of this was sent to TD Bank XX/XX/XXXX however as of this date TD bank has failed to send an update of the status of the investigation ; which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: MA

Complaint narrative:
Federal Bureau of Investigation ( FBI ) vs. XXXX, XXXX, Experian On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of XXXX-XXXX and Experian. I have also submit an investigation by XXXX XXXX  to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to XXXX, XXXX and Experian to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through XXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. Remove negative information from my credit profile now!

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 2018-07-23 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: NJ

Complaint narrative:
XXXX  is reporting a debt that is fraudulent. i contacted XXXX XXXX XXXX   of which they said they have no record of my information. i want this negative item 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 2018-07-23 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: NJ

Complaint narrative:
XXXX is reporting a debt that is fraudulent. i contacted XXXX XXXX XXXX   of which they said they have no record of my information. i want this negative item 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 non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I have tried repeatedly to close my account with Chase ( XXXX XXXX Visa Card No XXXX XXXX XXXX XXXX ) since XX/XX/2018 because I no longer want to pay the annual fee of {$95.00}. I complained earlier on XX/XX/2018 to CPFB ( see complaint no. XXXX ) after which a Chase representative called me and assured me the account would be closed and no further delinquent dues will show on my on line statement. This is not the case because my latest ( XX/XX/2018 ) statement ( see attached ) continues to show the annual membership fee of {$95.00} as being overdue and in addition anew late fee of {$15.00} has appeared, despite the account being closed. I am now truly concerned that this errant behavior by Chase will cause my credit rating to be adversely impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In early XX/XX/2018 I became aware that my secretary of 18 years had begun using two credit cards of mine for her personal use. This claim involves Capital One. I may have separate claims for XXXX XXXX and XXXX XXXX. The secretary ( XXXX ) charged in excess of {$20000.00} on my Capital One account for her own personal use and benefit. Attached is a XXXX County Sheriff Office report I filed and is currently under investigation, Report # XXXX. 
Capital One initially reversed about {$16000.00} of the charges but has reinstated most of these charges. Capital One appears to claim this is an embezzelment issue, not fraud. I maintain it is fraud and that all of the charges for her benefit were unauthorized. She had never been authorized to use the card for her benefit. XXXX was never an " authorized user '' of the card. 
Capital One Fraud Department now says my case has been resolved and will not be reopened and I owe them {$18000.00}. I dispute their claim and rely on the Visa Zero Liabilty Policy that I am aware of. ( See attached document )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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:
My identification card and debit card were stolen. I have no information on who would do it. The deposited fake checks using my PIN number. Unfortunately my pin was able to be compromised because it was easily accessible through my identification card. Now Im on the hook for {$16000.00}. Theres no way I can pay this off because 1 ethically it wasnt me and 2 i dont have that type of money sitting around. I feel this is unfair and solely being accused cause it was my pin. Theres no explanation on how they got my pin.

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 2018-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I signed a promissory note and security agreement with XXXX ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX. My contractual payments were automatically withdrawn from my checking account. However it seems that my loan was transferred to Santander Consumer USA in XX/XX/XXXX. As far as I know the terms of my contract did not change, but automatic payments were unilaterally terminated without my notice ; which resulted in my car being repossessed by Santander Consumer USA on XX/XX/XXXX. 

I did not agree to have my payments terminated, nor did I ever agree to any terms with Santander. The reason I had automatic withdrawals set up was so I did not have to worry about my payments. At the same time it would not occur to me that payments were not being made. If the transfer to Santander had never happened I would not have defaulted on my loan and my car would not have been repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
I received a US Bank gift card as a wedding gift The card has expiry date of XX/XX/XXXX, and prior to expiration i checked the balance only to find that US Bank charges a {$2.00} fee per month after 12 months of card issue, so nearly 80 % of card value was gone well before the card expiry date No charges were incurred on card, no transactional work incurred by US Bank, and yet they are allowed to charge {$30.00} a year on every gift card that is not in active use?? That is absurd and higher than the interest rate carry warranted given that they also have charged the prepaid card buyer already for the card. 

CFPB should fight for consumers and remove pre-paid gift card monthly inactive fees - this is predatory by industry

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 2018-07-23 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Was told by Santander bank to pay XXXX dollars they would wait till I get my check on 4th Wednesday as usual to pay the balance they lied repo rhe car that Friday told me I can get it back if I pay the repo and storage fee 2 they knew I couldn't afford that they wanted to auction the car off and they did that Monday and got about 10,000 sent me a letter and telling me I owe the balance they are a crooked bank taking the car so they can sell it and still get the balance from me when the car was repo it was XXXX and something left to pay how they still reporting 17 after then sold it for ab9 a XXXX and this year they tried to send to my credit report I miss a payment when the account be written off inXX/XX/2016?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
synchrony/walmart 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement synchrony/walmart 's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still 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 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Telerecovery Corporation
State: AL

Complaint narrative:
On XX/XX/XXXX I noticed that my XXXX credit score dropped by 101 points ; it was due to a new collections account from Telerecovery. I contacted telerecovery, but they refused to set up payments for the debt. I then contacted the original creditor, XXXX, and I was able to make payments directly to them. My first payment of XXXX dollars was paid on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX as my credit report did not reflect the changes that a payment had been made. XXXX XXXX with XXXX   then sent me an updated statement showing that the amount had been deducted from my original balance. On XX/XX/XXXX a payment of XXXX was made. On XX/XX/XXXX I filed a dispute with XXXX  and XXXX regarding the inaccurate information reporting on my credit. The results of both was that the company is reporting information correctly. I contacted telerecovery directly and asked why are they not updating my record. Telerecovery stated that XXXX   had not updated the record. I asked if they could contact XXXX to update the record as this information is hurting my credit. They never contacted XXXX. I contacted XXXX and was told that the records are updated in their files. 

Telerecovery is using unfair practices such as reporting inaccurate information to have me pay more money than is owed. I am starting to rebuild my credit after filing bankruptcy and this one company is harming me. I am not able to get an apartment because although they see that my payments are on time with all other creditors, I have this collection account. All I asked before was that they update the amount owed, so that companies can see that the debt was being paid.

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 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I attempted to obtain my credit reports through XXXX, and had absolutely no problems with XXXX, or XXXX. I received a message from Equifax that they were unable to supply my report, and that I would have to request it in writing. 

I completed the supplied form, included a photo copy of my SS card, Texas Drivers license and my voters registration card. Approximately two weeks later, I receive d a letter from Equifax saying that I did not provide adequate proof of Identity. Once again, I provided the same request, and identification documents and a copy of my phone bill showing my current address. It has now been more than thirty days and I have not received an answer or credit report. 

Equifax is always the most difficult company of the three, they simply do not want to deal with consumers. 

I would appreciate your assistance in receiving the report that They are required to provide by law. 

Today, I am making a THIRD request from them. This company should be REQUIRED to supply the annual credit report through the annual credit report process, and not be allowed to stall, hoping that they wont have to turn over the required information. 

Further, I believe that the questions to prove identiity should be reviewed, as they never pertain to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
Or Friday XX/XX/XXXX i received a phone call from XXXX XXXX stating that i had been approved for a {$3000.00} loan. He asked me questions about my employment credit score etc. He then stated that because my credit score was low that i would have to purchase insurance so he could boost my credit score up. He then asked me to go to XXXX XXXX to purchase a gift card for the insurance. When i got there i didnt purchase it because my phone battery was low. Later that evening they contacted me and asked me was i still interested i said yes and he told me to purchase a {$200.00} gift card. I did. He then connected me with a lady and she said my money was on hold because of a state to state fee.. she then told me to go purchase another {$200.00} cardand that she would combine the other card with that one and that would cover it.. after purchasing it she said i had to get another card because the 1st card was for the insurance.. I began to get angry and asked her for a refund and stated that i didnt want it but she said no i would lose it and not get the loan. I got another card and she put me on hold. She connected me with a guy name XXXX and he then stated i had to pay {$500.00} for legal documents i finally realized to i had been ripped off and that it was a scam and asked for a refund because it was a scam and he said that they would refund my money back and he hung up the phone in my face. In all i purchased {$600.00} worth of cards.. a total of 3 {$200.00} XXXX XXXX cards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made several attempts with Equifax to have the below inquiries removed from my Equifax ' report with no success. I provided the letters received from the creditors and they continue to refuse to remove these inquiries from this report. Please know that both XXXX  and XXXX have removed as required. I have the letters from all three creditors indicating they have reached out to Equifax. More specifically XXXX  assured me Equifax, via confirmation from Equifax, had received their request to have this inquiry removed : I provided a letter from XXXX XXXX stating they had submitted my car loan application to multiple creditors without my authorization. In addition, I submitted a letter from both of these creditors stating they have reached out to Equifax. But again, they refuse to remove these. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX XXXX XX/XX/XXXX XXXX ran a credit inquiry during a refinancing of our home. The home was to be refinance without my name but the title was to be joint holder. They corrected this with XXXX and XXXX  but have been unsuccessful with Equifax. I have the letter from XXXX in addition to them reaching out to Equifax. 

They continue to report incorrect information and continue to send me updates stating these are factual when indeed they were not authorized by me. 

If copies and evidence is required I will submit. This might seem as a small issue however these reports are used by creditors to make decisions on behave of the consumer and as such should be correct regardless of how severe of an impact. 

Thank you for your assistance. 

XXXX

Company response to consumer: Closed with explanation