vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a credit card with Barclays. On the XX/XX/XXXX I had submitted a form on my account with them for a potential {$1000.00} credit line increase. They approved it immediately. Later in the day I got a notification from my credit monitoring company telling me that there was a new hard inquiry on my report. I checked my report and there was one from Barclays. When I had submitted the form there was nothing stating that they were going to pull a hard inquiry. So Barclays did not have my authorization to pull the report. Any other credit card company that I have gotten credit increase has not pulled a hard inquiry. Had I known that they were going to do that I would not have asked for the increase and would have applied for a new credit card with a different lender. I contacted Barclays and told them they never had my approval to pull the report and something needs to be done about it and they said oh you asked for us to review your credit so we need to pull your report, so sorry but it is what it is type of thing. ( Note this was said in the email I have attached, it says that they need to pull one, it doesnt say that they already did, so there is some discrepancy there ) Since I never authorized it I then went to XX/XX/XXXX to dispute the inquiry on my report but they said they cant do anything about it and I need to contact the credit company, which as mentioned I did and got nowhere which is why I am filing this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$490.00} XXXX   XXXX {$600.00} XXXX XXXX {$500.00} XXXX XXXX {$630.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$410.00} XXXX   XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This complaint is in regard to my account with XXXX XXXX XXXX. 
I originally purchased the vehicle brand-new in XX/XX/XXXX. The loan was put in my name and my cosigner 's name. I haven't missed a single payment on the vehicle since I purchased it. 
Later on, my cosigner filed for bankruptcy and the account was flipped to the bank. However, she was able to reverse her bankruptcy in Late XXXX, and the account was flipped back to her and I. 
On my Cosigner 's credit report the vehicle loan was shown as active, open, and current, as has since the bankruptcy was reversed. 
However, my credit report hasn't been accurate at all. 
As you'll see attached, I did write XXXX XXXX XXXX back in XX/XX/XXXX to dispute the information on my credit report. 
They started reporting the correct information and my XXXX  report has changed and has been accurate since. However, my Transunion report hasn't changed or been resolved at all. 
I did open a dispute with Transunion in XX/XX/XXXX, where the results stated, " Verified as accurate and updated : the disputed item ( s ) was verified as accurate : however, we updated Rating. For two weeks, Transunion reported the account accurately with no payments missing and open. 
Once XX/XX/XXXX rolled around, Transunion was once again reporting the account as closed with missed payments. I called to dispute and they told me that I needed to call XXXX, as that's where they get their information. I called XXXX and they opened up an investigation on their end. On XX/XX/XXXX, according to XXXX, they sent over to Transunion the correct account information. I have started another dispute with XXXX on XX/XX/XXXX, but have no results yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina, XXXX DOB : XX/XX/XXXX Last four Digits of my social : XXXX Dear Sir / Madam at Equifax, See enclosed Documents, in XX/XX/XXXX ; i paid off 3 high interest rate loans with XXXX XXXX XXXX. All 3 rates were over 20 %. I did this to qualify for a mortgage on a new piece of property. On XX/XX/XXXX you penalize me 42 points causing my home loan to be canceled. Then on XX/XX/XXXX you penalize me for using a credit card with a XXXX dollar credit limit. I only used 15.5 % of the total credit card limit. Earlier this year you allow some fly by night collection to go on my credit hurting my credit. The other two bureaus, my scores are all in the 700s, but with you people you have continually have hurt my credit and caused me aggravation, I want my scores reversed and put back where they belong in the 700s. Paying off loans, and paying on time means nothing anymore. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: FL

Complaint narrative:
I contacted banks directly to review negative items listed on my credit report. Corrections and payments were made directly with the banks but, the items still appeared on my Experian account well after they were removed from the other two credit bureau accounts. I disputed with Experian but, the results were that " no changes '' could be made and I was not permitted to dispute again because they were already disputed. 

The rating seems arbitrary and decreases without reason. Following the guidelines as stipulated by the credit bureaus individually, I reduced usage to below 1 %, removed all credit delinquencies, make all payments on time, cleared ALL debts, and the last missed payment was over 3 years ago. The more I abide by the stated rules, the lower my credit score trends ... almost daily and without any changes to the items on my credit report. Experian has yet to provide an explanation for this downward trend. 

Following the rules has diminished my credit rating. But, lucky me! If I sign up for another credit card through Experian 's referral service, I just might improve my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I tried to pay this off first they said the pay off was like XXXX now its XXXX i keep getting the run around about this being deledted off my account if i pay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
i notice a inaccurate and incomplete item on XX/XX/2020 from CONSUMER PORTFOLIO SERVICE, INC and sent them a letter on XX/XX/2020 regarding this account asking for information relating to the validity of the account and has not receive anything from them inwhich is a violation of the law and i will be contacting my attorney with this matter.I have a copy below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
This is the second time, I've had to file a CFPB complaint against this entity. 
In my original complaint, Hyundai acknowledged that they were inappropriately failing to apply my payment which was within their possession, for nearly two months. After repeated efforts, they applied the payment they had all along, but during the timeframe made multiple violations for the FDCP ( Fair Debt Collection Practices ) Under 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or  unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The company upon my attempts to stop their unlawful behavior which violates my Vehicle installment contract, XXXX, California, and Likely various federal laws, as repeatedly attempted to inform me about the attempts to collect a debt from me, which is not legally owed to them. 

This practice is prohibited. 
I've obeyed the law, and informed them multiple times of the original infractions that continued. 

Here we are another month, and another payment that they've failed to allocate to my account, I am at risk of negative credit effects from this lawless action. 
And the company doesn't care, I spoke to the company a week or so ago, and they confirmed they would resolve this. To date, and wit, it has NOT been resolved. 

At this stage, with the repeated violations of my Vehicle installment contract, the Fair Debt Collection Practices, and the overall stress this is causing, I am filing this complaint to document their continued unlawful behaviors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, SC in XX/XX/XXXX. It was a brand new vehicle. To make a very long story short, I had to get my engine replaced in late XXXX due to the engine malfunctioning and it throwing a rod. It took 3 months to repair because the dealership was behind due to other people having engine malfunctions. It took weeks to get a rental which was hectic because me and my husband both worked and commuted with a XXXXyear old. After my husband drove my car off the lot, my car was sounding a little funny, almost like a sucking nose that we ended up having to take back to the dealership to have them tell me that I needed to pay a diagnostic charge even though my car was well under warranty limit. I ended up speaking with the manager and he had the technician look at it to only be told it was nothing engine related even though my engine light was on! A few months after that, my car started losing power and was inoperable. I had it towed to the same dealership only to be told that I needed another engine replacement due to low pressure in one cylinder! The dealership told me that I would be responsible to pay and the warranty would not cover repairs since they already took care of it the first time. The cost to repair would have been over what the value of my car is. Me and my husband had to leave my car at the dealership since it was not drive-able. I received a letter in XX/XX/XXXX stating that they plan on selling the vehicle and they ended up selling the vehicle at auction for {$1700.00} in XX/XX/XXXX. I recently just found out that my car is under recall for the same reasons it was in the shop the first 3 times since XX/XX/XXXX. Hyundai concludes that the XXXX XXXX  were having engine and mechanical issues. I have a recall number and have spoke to 3 different departments to see what I can do to resolve the balance I have left to pay on the car of {$8700.00}. I knew there must have been an issue since the last few times Ive went to the dealership there were a lot of vehicles needing engine replacements. I have documentation that states the dealership used faulty parts in the first engine repair And I believe it wasnt fixed correctly the first time. If it had been recognized sooner, I could still be driving my vehicle and have the issues fixed but because Hyundai waited to long to investigate the issues I have to suffer. Ive sent 2 letters to the CEO to have my case reviewed because it is not fair to me. This has been frustrating to deal with the past few years and its affecting me and my husbands credit and I need it resolved especially since this was not our faults and we were denied the use of the warranty we were paying for. These vehicles are not safe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: AZ

Complaint narrative:
I have a refund processed by Chase Travel on XX/XX/XXXX for {$2500.00}, originally purchased using my Chase Credit Card. Since the purchase and when the refund was processed, I had closed my card account. 

I have been reaching out to Chase Travel and Chase card services since that time to have the refund processed. 

Chase Bank claims they do not have my credit card information on file. I have no way of proving them of my account as my statements were online and Chase Bank removed the access to them from the online website. 

All my responses to Chase Bank only revert back with an automated message saying they are busy right now and the request would take more time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In late XXXX, I opened a checking account with Wells Fargo under a {$400.00} promotional bonus offer. The terms indicated that I would receive the {$400.00} bonus after completing the following : 1 ) Opening an account with at least {$25.00} and 2 ) Having at least 1 direct deposit totaling {$4000.00}. 

I have completed both of those requirements. I received a response from a " XXXX XXXX '' within Wells Fargo Complaints department. In her response, she indicated I had not completed the direct deposit requirement which is not truthful at all. I am attaching a screenshot direct from the Wells Fargo banking portal which shows I had a direct deposit from XXXX for over {$4000.00} on XX/XX/XXXX ( more than 30 days ago ). It says that DIRECTLY on the Wells Fargo banking platform. Now if that's Wells Fargo 's mistake, that's on them, not on me. Don't punish the customer for something the bank did incorrectly. 

The bottomline is I fulfilled the terms of the bonus and I want my {$400.00} bonus. I am attaching 2 images to this complaint. One showing the terms of the XXXX bonus and another from Wells Fargo bank that I completed the $ XXXX direct deposit requirement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.XXXX  XXXX {$250.00} XXXX XXXX {$0.00} XXXX XXXX {$1300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$410.00} XXXX  XXXX {$450.00} XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$100.00} XXXX XXXX XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$490.00} XXXX   XXXX {$600.00} XXXX XXXX {$500.00} XXXX  XXXX {$630.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$410.00} XXXX   XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$25000.00} XXXX  XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$490.00} XXXX   XXXX {$600.00} XXXX  XXXX {$500.00} XXXX  XXXX {$630.00} XXXX  XXXX {$410.00} XXXX   XXXX  XXXX {$410.00} XXXX   XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$25000.00} XXXX  XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I am past due of a small amount on a loan through Cash One. I have repeatedly tried to call and explain my dire situation, and i am now being harrased and abused. I have been told i am a low life, money sucker, lying, pathetic person. They will not notate my account and continue multiple times a day to harass and threaten me. I have tried to talk to a supervisor and no one will ever let me do that. This is so upsetting and makes me feel like a completely XXXX person because of how they are treating, threatening, abusing, and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: AL

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX XXXX {$300.00} USDEPTED XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
I never applied for this card ( US Bank ReliaCard ) and have no idea how this company went through a financial application without my knowledge or approval. My name is from a previous marriage which ended in 1997 and the first name is spelled incorrectly. I did apply for unemployment and did respond with NO DEBIT Card required. 

I am reporting US Bank as a potential scam. This is very disturbing and I want this cancelled and made known to the Ohio Unemployment Services as well as to your company. This is financial abuse. You had no right to my information however wrong it is indicated on this debit card.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is no longer assigned to this account. I have attempted numerous times to reach out to them to have information updated and their company removed from my tradeline. The current company assigned to this account is XXXX and XXXX XXXX. Attached is the documentation for verification as well as account update 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