vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The Chase Bank creditors are using predatory calling practices ; when I tried to call to discuss debt solutions to high minimum payments due to COVID and absence of current income, they increased my minimum payment instead, and have repeat calls which are 24/7 and are harassing me. This is distressing especially for my health in this difficult situation.

Also, they have no reasonable debt accommodation options for a World Pandemic, nor to assist people who are highly affected by it like myself. They are unwilling to assist with staff or calling/software systems which are not predatory to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased my XXXX XXXX XXXX on XX/XX/XXXX with XXXX ( XXXX, Tx ) and they used Santander Consumer USA for financing ; and still have an $ XXXX balance on the account as of today XX/XX/XXXX. So far today, I have paid a total cash payments of {$31000.00} on a {$22000.00} loan. The total {$22000.00} of the {$31000.00} cash payments has gone to interest only and is still showing a balance of {$11000.00} on the account. The interest rate is showing to be 18 %. I have asked for help to resolve this matter in help reducing the interest rate and showing how each payment is applied to my account if the interest is calculated per diem. Instead Santander sends out letters to accelerate my account due the struggles of paying for my auto. I believe Santander Consumer are demonstrating unethical practices and with the recent {$550.00} Million Settlement over alleged deceptive auto loan practices does not surprise me not one bit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
ON XX/XX/2020 I FAXED ARS ABOUT 3 PUBLIC RECORDS THAT DONT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Im XXXX XXXX, XXXX XXXX  company in XXXX TN, XXXX is reporting a mortgage to my Equifax credit when do no not have a mortgage with them! Ive disputed it several times and was never resolved. This problem has been going on for 12 years and its effecting me financially! The mortgage is my fathers who has the same name as I. Ive contacted XXXX dozens of times but still no action has been taken!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP
State: IN

Complaint narrative:
A fraudulent transaction was performed on my card from a XXXX, Texas IP address. 
I live in Indiana. I immediately reached out to the merchant and the bank to file a dispute. I was informed this morning by KeyBenefits, after waiting on hold for 2.5 hours, that I would have to wait 15 days or more to have the funds returned to me. For someone who is unemployed through no fault of my own ( COVID ) and needs to feed their family. Its frustrating and unacceptable. This hacker removed almost {$300.00} from my benefit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
There was a collection placed on my credit. I have contacted this company which they are not understanding at all. Due to COVID-19 these companies are trying to collect debt thats not owe to them. I do not have a contract with me and XXXX. This is a third party vendor and not the original owner. No information was verified nor did I even receive anything from anyone regarding this. Ive told them I want this remove and I cant wait 60 days. Because I never received anything from anyone regard this acct 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 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is on my XXXX account and I never authorized this at all! Whoever this is, I want my money back. No thanks to him, I have no money to withdraw tomorrow and will not able to buy bitcoin. I want my money back now! 


Paid with WELLS FARGO BANK NA XXXX {$52.00} Your backup is VISA XXXX Transaction ID XXXX Sent to XXXX XXXX XXXX Note Details Sent to XXXX XXXX {$50.00} Fee {$2.00} Total

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 2020-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: MS

Complaint narrative:
XXXX and XXXX XXXX have a loan at Republic Finance XXXX XXXX XXXX XXXX, in XXXX, Mississippi. Phone # XXXX. We have our payment sat up on AUTOMATIC payment to come out the XXXX Wednesday of every month. We take the Money from my XXXX check and put it there for Republic Finance to take out. It has always been this way for 3 years. On XX/XX/2020 Republic took the payment out early which there was not any money there to be taking out. This was on a Monday. Monday morning I looked at our bank account and notice the loan payment had been taking out. Was not due for 3 days. I called Republic office to ask them why they took the payment out. I talked to XXXX XXXX about it. She said she didnt know it happen and would call me back. She called back and said she put it in Friday to be taking out. We got charged a overdraft for it. XXXX and I ( XXXX ) went down to see her about it and told them to pay the overdraft. They gave us a check for {$37.00} to pay overdraft. We told XXXX XXXX that we was not going to take it off automatic payment and it better not ever happen again. 
On XX/XX/2020 XXXX looked at our bank account and again Republic had taking another payment out of our account and it was not the day to be taking out. She called XXXX XXXX again about why they did it again. Same excuse as before, she put it in to take out. XXXX told her to take it off automatic payment and have the paper ready to sign that afternoon for her to sign and she would be there after she got out of school. XXXX couldnt get anything but excuses but no real answer from XXXX to why it happen. XXXX called the Corporate Office and talked to a lady name XXXX at # XXXX XXXX. XXXX told her she would have XXXX XXXX ( Regional Manager ) call her back. XXXX talked to him about the payment problem and what had happen on XXXX XX/XX/2020. Nothing but excuses from him also. As she talked to him about it, she said something about it happening before in XXXX. He didnt even know about it. After talking to him, come to find out it was sweep under the rug so it looked like no one would know. XXXX told him she was going to the office that afternoon to sign a paper to get the automatic payment taking off and to get another check for a second overdraft. XXXX went to office to see XXXX XXXX and the girl up front said she went to lunch. Who goes to lunch at XXXX knowing she told her she would be there that time. They tried calling her and she wouldnt answer her phone. She has not contacted us yet. Nothing. We did take it off automatic payment anyway. But we still have not heard from her or anyone about this problem. We hope we can get help and something is done with CFPB Thank You XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pavilion Payments US BuyerCo, LLC
State: PA

Complaint narrative:
Global Payments Check Services recently closed the account in retaliation to me submitting a complaint to the Consumer Financial Protection Bureau. This breaches contractual obligations with respect to Consumer Finance Ethical Standards.

I don't appreciate the level of treatment I received by some of the people at this organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I applied for a credit line increase with Goldman Sachs Apple Card. I received an email stating I was declined because of Serious Delinquency on my credit report for XXXX. So I called and asked for another review. They stated there must be a delinquency Im not seeing on my XXXX  report. I called and opened up a XXXX account to review my report. It states no serious delinquency in the past 7 years. I have been approved for increases on other cards but not with Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
They tricked me in to sign up for membership with a fee. They make it very difficult get the free report.

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 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I reviewed my CBR and noticed a Money Lion account that I had not opened. This account was opened in XX/XX/XXXX. So I called them immediately. 

This account was opened with an e-mail, phone number and ADDRESS that was not mine and has NEVER been mine. I have proof of my address in a rental agreement, I had been at my residence for over 2 years when this account was opened. 

I contacted the agency ( Money Lion ) immediately in XX/XX/XXXX and they closed the account and sent it to the fraud department after VERIFYING WITH ME THE INFORMATION WAS NOT MINE. I was told this would be handled and would no longer reflect on my credit report. I have not heard anything from this company since XXXX. 

I disputed the account in XXXX as it was still showing on my report, and the company verified it on my credit report in XX/XX/XXXX. How can you verify an account that was fraud?? The address is not mine I have documents to prove where I lived in XX/XX/XXXX and it was not at the address they have listed for this account. 

I have called and they will not allow me to speak with a supervisor, they make you wait for a call back. I'm still waiting for my call back since XX/XX/XXXX. 

I called again today XX/XX/XXXX and was told by a representative that this account is still in the fraud department. I have given this company ample time to investigate and they have not done anything. I again asked for a supervisor and they denied me. I asked to speak directly with their fraud department and they told me that is not allowed. Why would I not be able to speak with the people handling my fraud case? 

It has been 7 months. They should have had an answer for me after 30 days. The account should have been removed after 90 days because the information is incorrect as it is a fraud account. It has been well over DOUBLE that time. I need this account removed from my credit report and they refuse to do it or let me speak with a supervisor or the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 had previously informed you that account was being reported on my credit report, which was not mine. I am writing again, to request that you reinvestigate this account, and delete this. I do not have access to the documents related to this account, but the creditors would. Please note that for this, I believe that a relative that may have forged my name ( or used my personal information ), plus in order to take out this account without my knowledge, consent and permission. Therefore, please obtain all documents from any of this debt, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, NAME on the file and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TJC Mortgage, Inc.
State: GA

Complaint narrative:
We have been working with XXXX XXXX XXXX for a few months trying to close on our house. I was told to wire the closing Cost to the Title company so we could close the next day and then the next day I get a phone call from the mortgage company stating we have to live in the home for 6 moths according to the FHA identity of interest  certification. We have no relationship or are doing business with the seller.This should not apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XXXX XXXX Reliacard deactivated my card for suspect fraud and said I had to fax current ID, social security card and previous years tax docs, I promptly did that and after 25 days they finally verified I was that actual person but they still never activated my card saying I had to go to local unemployment office and I did that and was informed by them that they were putting my weekly benefits on my card and had nothing to do with the deactivation. The Reliacard Representative then told me that the XXXX is holding up money and theres nothing they could do, now every thing in my house is about to be disconnected can you please help 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 explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I had an XXXX XXXX  XXXX XXXX CARD issued thru BARCLAYS. IT EXPIRED IN XX/XX/2020. BARCLAYS NEVER ISSUED A REPLACEMENT CARD. CALLED BARCLAYS THE REPRESENTATIVE SAID BARCLAYS CLOSED MY ACCOUNT WITH NO EXPLANATION. I HAVE A  XXXX BALANCE ON MY CARD AND THE TELEPHONE REP GAVE NO EXPLANATION AND THE REP TOLD ME THAT BARCLAYS WAS GOING TO SEND ME A LETTER WHICH I HAVE NOT RECEIVED. I THOUGHT THAT DURING THE PANDEMIC THAT CREDIT CARD COMPANIES CAN NOT UNILATERALY TAKE SUCH ACTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see ftc attached all wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XXXX XXXX, 2019, I purchased a round trip ticket from XXXX to XXXX from XXXX for XXXX with my Chase credit card. 
Between purchasing the ticket and the date of the flight, I changed my last name. I called XXXX to change the name on the ticket. They said there would be a {$25.00} administrative fee, which I agreed to pay. 
On XXXX XXXX, 2019, XXXX charged me the {$25.00} administrative fee, plus {$810.00} for a new ticket. I called XXXX and they said they could not change a name on a ticket, they had to create a new reservation ( the agent did not tell me this on the phone ). They did not refund the original ticket, but charged me for a second ticket at a higher price. They said their system does not allow for a name change, so they had to create a new reservation. The agent said I agreed to the charge, but I only agreed to the {$25.00} fee. Who would agree to pay for two tickets? 
I disputed through Chase twice. XXXX provided a typed note saying I agreed to the charge. I did not agree to this charge. The agent can type anything they want in the comments, but why would I agree to pay for another ticket?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see ftc attached all wrong

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 2020-09-28 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see ftc attached all wrong

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 2020-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I was involved in accident  and car was totaled. The insurance company asked for 10 day pay off amount and the loan company provided the amount the insurance company paid off the amount and they had to do a gap insurance because we live in NY  for like XXXX  or XXXX  and the loan was done with that loan that loan company. After taking extra payments on my checking account the loan company is saying that we owe more. Once a payoff amount is given it should void everything else because thats interest amount

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 2020-09-28 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: IL

Complaint narrative:
On XXXX XXXX, 2020, I disputed the information provided to Experian by XXXX XXXX, serviced by XXXX XXXX. At XXXX XXXX on XXXX XXXX, 2020, I received an email from Experian confirming they received my dispute. On XX/XX/2020 at XXXX XXXX, I received an email stating the dispute investigation was complete. Experian reports the information is confirmed and correct. When I went to dispute again online, Experian 's site did not allow me to dispute it again, stating they dispute was complete and I was not allowed again. Their investigation took less than 12 hours in the middle of the night. What was their method of confirming this data to be correct?! In the meantime, I have inaccurate information that is on my credit report that Experian does not allow me to dispute again. 

On XX/XX/2020 I called the contact information for XXXX XXXX XXXX listed on the Experian credit report. When I called the number, it first asked for my account number. The account has been closed for many years. I finally got through to a representative named XXXX. She was unable to look up any information in regard to my account since it had been closed for many years. She then provided a telephone number at XXXX XXXX. I spoke with XXXX and he was unable to help me since the account has been closed and the reporting is done by XXXX XXXX. He transferred me back to XXXX XXXX, which sent me back into the same loop. 

XXXX XXXX, XXXX XXXX can not even find my account information to verify or correct the inaccurate information provided to the credit bureaus. Experian investigates the dispute within 12 hours and verifies this inaccurate information that XXXX XXXX and XXXX XXXX can not even find. 

My credit score is adversely affected by the misinformation provided by either XXXX XXXX or XXXX XXXX or both. Experian falsely reports and falsely verifies false inaccurate information.

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