vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-15 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:
I have contact XXXX XXXX to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: DE

Complaint narrative:
On or around XXXX XXXX, XXXX I was in search of a new cellular data service and contacted XXXX for quotes. After discussing a contract with XXXX, they sent out XXXX XXXX 's without my authorization. I never received the phones, which according to XXXX were delivered and left on the front porch of my home on XXXX XXXX, XXXX. Upon receiving a rental bill for the above mentioned phones, I contacted XXXX immediately with no resolve. I have had numerous attempts with XXXX about this fraudulent bill with only one resolution after speaking with a XXXX manager. I was advised that this bill would be corrected and I would no longer be receiving any communication from them. I again received another paper bill for double the amount and contacted XXXX again. I was not able to speak to a manager and the customer service representative advised there was no manager to talk with at the time, but if I was to switch my cell phone service to XXXX, they would send out two new phones and that would rectify the initial complaint. In XXXX XXXX I received two calls from a collection agency who was representing for XXXX. I gave them all the information and all the conversations I had with XXXX about this issue and they advised me they would put the collection in dispute with XXXX until further notice. On or around XXXX XXXX, XXXX XXXX had the bill put on my credit report for collection in the amount of {$1200.00}. I am prepared to file a police report for phone cloning against XXXX along with possible legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15 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: MO

Complaint narrative:
on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to XXXX, Equifax, XXXX concerning the XXXX XXXX XXXX/XXXX accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX my external transfer access was denied.
XX/XX/XXXX called the customer service number and was told that because the external account did not have my name ( only my husbands name ) that I could not process the external transfer ( this transfer had been in place and had been transferred for the previous 10 months ). The customer service agent advised me to use the POP feature to transfer the money. This issue has been resolved.
The issue I need resolved is the following : When I logged into the POP feature the " accounts to be transferred from '' listed all my current accounts, but also listed nine ( 9 ) additional accounts that were at least eight ( 8 ) years old and all had been closed. The most alarming issue is that these accounts all had balances totaling over {$20000.00}.
I went to the local branch and was told that " there must have been a glitch in the system ''.
I did not accept this as an adequate answer. They then escalated the issue within their customer service. I received a call explaining the external funds issue, but they would not address the balances in the 8 year old closed accounts.
I called several more times to no avail.
In the interim they deleted the old accounts in my POP feature, but one old account still remains ( with a XXXX balance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I recently received a copy of my Credit report ( XXXX, & XXXX ). The credit report showed several credit inquiry from syncb by your company that I absolutely ( DID NOT AUTHORIZE ). I understand that you shouldnt be allowed to put an inquiry on my report unless authorized to do so. 
I have an alert that when credit is authorized, that I am to be called via phone. I had contacted the company to request an investigation which has yielded no reponse or action initiated. I requested any and all photo identification and signature submitted to the company, yet no response or investigation. I did not apply for credit with this company. 
XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase is reporting Foreclosure on my credit report as well as reporting late payments after it was paid off. My house did not foreclose. This needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I began credit in XXXX. I had been living in XXXX, pa, for about two years then. People began using my personal information without my consent. In XXXX i was a victim of identity theft and did everything in my power to fix the issue at hand. I was sent a letter from my bank in XXXX that I have no credit or delinquent credit, like if I 'm not even in the map.I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I 'm currently being charged off for the amount of {$360.00} by the XXXX XXXX XXXX. This represents the tuition for a XXXX course at XXXX XXXX  University I registered for in 2015. This charge was was a result of an error made on my FAFSA application, and that error was resolved during the second week of the fall semester and my tuition was paid in full by FAFSA. There is very little the school seems to be able to do at this point simply because the account has been makes by collections.

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 2017-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX, {$300.00} was withdrawn from our account with a debit card number to XXXX, not authorized by my husband or I. {$300.00} for a wire transfer, {$9.00} service charge. We have never used XXXX XXXX before. We immediately called Chase XXXX to report these as fraudulent. They opened a claim and put the funds back into our account after 24 hours. About a month later, the charge reappeared as a " Reversal '' in the same dollar amount. Again, we called Chase XXXX, who informed us that XXXX XXXX told them it was a legitimate charge. Debit card #, address, and my husband 's name entered as payment info. No PIN was entered. The debit card was never lost, it was in my husband 's possession, so he was not negligent by not reporting it stolen. 
The Chase fraud representative supplied me with the IP address, the name of the person the wire transfer was sent to XXXX someone out of state, incarcerated in a correctional facility ), and the email address the purchaser used, with her first and last name. Clearly a fraudulent issue. Chase said they would give us our money back, because XXXX XXXX said it was not fraud and would not pay Chase for this charge. They told me to contact XXXX XXXX, and were rude to me and would not acknowledge it was fraudulent. I asked Chase if they would return our funds if we filed a police report and the police determined it to be fraudulent upon investigation. Chase said they would not. They said even though it was illegal and fraudulent, because XXXX XXXX claimed it was not ( because they did n't want to pay Chase ), they would not reimburse us. How is this " fraud protection ''? 
My husband and I discussed and decided we would file a police report. The IP address the Chase representative provided me for the fraudulent transaction did not have periods in it, just numerical digits, so I realized I would have to call the Chase Fraud rep back and get the IP address with the periods in it so that I could provide to the police. When I called back, I was transferred several times and the rep I finally spoke with said she did n't see ANY of this information. She forwarded my request on to the allegedly correct department and we have not heard back with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I began credit in XXXX. I had been living in XXXX, pa, for about two years then. People began using my personal information without my consent. In XXXX i was a victim of identity theft and did everything in my power to fix the issue at hand. I was sent a letter from my bank in XXXX that I have no credit or delinquent credit, like if I 'm not even in the map.I

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 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I began credit in XXXX. I had been living in XXXX, pa, for about two years then. People began using my personal information without my consent. In XXXX i was a victim of identity theft and did everything in my power to fix the issue at hand. I was sent a letter from my bank in XXXX that I have no credit or delinquent credit, like if I 'm not even in the map.I

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 2017-10-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to obtain the annual credit report online using XXXX. I was given the reports by XXXX and XXXX, but was not given one by Experian. They recommended using phone number, calling the number given a PO Box to send request, which is not acceptable service.

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 2017-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Quick Debt Services LLC
State: OR

Complaint narrative:
I sent this company {$790.00} on XX/XX/XXXX. They promised to consolidate my student loans and after ten ( 10 ) years, I was told that I would have my loans forgiven altogether, as a teacher. I was quoted an initial monthly payment of {$170.00}, with insistence that this was the best program for me, participating in their financial-based loan-assistance program. Therefore, I had to lock in that rate and insisted up my credit card information. The next day XX/XX/XXXX, I tried calling to talk to my Enrollment Counselor, XXXX XXXX, to cancel, and could not contact him via e-mail or phone -- and it was that way for over a week. What I want is my money back. The main part of the contract is that they were supposed to submit my application. I was told Thursday XX/XX/XXXX that my application would not be submitted until XXXX ; but when I told them that I was going to work with XXXX directly and no longer wanted to work with their company, I was told they submitted my application that day. Their stories constantly change. For example, my payment went from {$170.00} to {$420.00} at one point. Yes, it 's income based -- but when one is unemployed and has no income, that appeared excessive. In addition, I have asked for a refund at least three different times -- there is no documentation of my ever asking for a refund on their end -- and I even talked to XXXX, the manager. When I talked to her this Thursday the XXXX, she told me that the Department of Education 's program was not as good as theirs and I was a fool to leave their company. Please help me get my refund.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had two fraudulent debit card transactions which totaled {$150.00}. The fraudulent transactions were reported to BBVA immediately. However because of this my own transactions overdrew account and Bank charged XXXX dollars per transaction. I contacted fraud disputes and asked for them to expedite my provisional credit and fee reversals. A week later, nothing has been done. I have spent hours on the phone on hold with their disputes area, no one seems to care. No provisional credit has been made to my account and only two of the 4 NSF fees were credited after pleading with their supervisor. This is not the response of a Bank who is truly interested in their consumers well being and it appears to me as if they dont devote the necessary resources to deal with this sensitive issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I sent a validation request on some accounts by certified letter over 30 days ago and I have received nothing what so ever on my request to validate these accounts. I know for a fact the letter was received because it was certified.

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 2017-10-15 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I contacted this agency and requested verification of the documents and even though the letter was signed for I have never received a reply from the letter mailed on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I tried to link my XXXX credit cards using a third-party financial app ( XXXX ) and was told that XXXX wo n't allow this. It is my right to use my financial data how I see fit. Especially when credit card companies and everyone else are giving my data to security sinkholes like XXXX who then get hacked. I do n't want or need my financial data to go to XXXX but I have no say in that, either. At least I should be able to monitor my accounts in a way I feel is best. XXXX should not be able to block this.

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 2017-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
SunTrust has failed to honor the terms and conditions of a promotional offer called SunTrust Deals. For this specific offer, customers were eligible for {$75.00} cash back for making two transactions with XXXX XXXX XXXX XXXX with an eligible SunTrust card on wireless products or services of at least {$15.00} by XXXX/XXXX/XXXX. The offer says that the {$75.00} cash back is earned within 30 days after making the second transaction ( see attached offer ). 

I used my SunTrust debit card to make two separate transactions with XXXX XXXX XXXX XXXX - for {$31.00} on XXXX/XXXX/XXXX and {$41.00} on XXXX/XXXX/XXXX. However, SunTrust has failed to provide the {$75.00} cash back within 30 days of the second transaction, which would have been XXXX XXXX. When I called SunTrust 's XXXX number, the customer service representative said that the cash back appeared to be pending but was evasive on the timing or probability of payment. The representative admitted that SunTrust had a pattern of not always honoring promotional offers. 

Attached is a copy of the promotional offer plus my statement verifying that I complied with the terms of the offer.

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 2017-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
We love our XXXX Infiniti Q50 with 3.7 litre engine. It is an excellent car. We bought it on a 39 month lease which ends in XXXX XXXX. Infiniti USA has been soliciting us to return the car for the last ( 3 ) months offering incentives that release us from the last few months of the lease. When we went to the dealership to pick up a new Q50, we found that the car did not have the same engine. Our current Q50 has a 3.7 Liter Engine and the new Q50 's all have a 2.0 or 3.0 Turbo configuration. Because they are using the same chassis, the car is loud and does not drive the same. We took the car back to the dealership. We contacted Infiniti and said the only Infiniti car that meets our desires is now the Q70 with 3.7 litre engine. But the Q70 is a larger and more expensive car. We are reasonable, we are fine with paying more for our current car with inflation, but the delta to the Q70 will require incentives from Infiniti to bring down the price. A Q70 is not affordable. We believe that Infiniti is engaging in a bait and switch to make us buy a Q70. They are forcing us to turn in a car of a higher quality and value for a lower value car. Because it is a lease contract we are required to pay a lot of money to turn in the car and buy another brand. When we tried to work with Infiniti USA, they gave us a case number XXXX and ultimately offered free maintenance, which is in actuality is 5 free oil changes. A XXXX company like XXXX really should not be allowed to treat us US consumers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I sent a validation request on some accounts by certified letter over 30 days ago and I have received nothing what so ever on my request to validate these accounts. I know for a fact the letter was received because it was certified.

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 2017-10-15 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:
I contacted this agency and requested verification of the documents and even though the letter was signed for I have never received a reply from the letter mailed on XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief