vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: GA

Complaint narrative:
I had an account with Barclay credit card which opened in XXXX. I paid the minimum amount due on time, ( can provide proof ) but my account closed anyway. The reason given was that my credit score was low, even though I was paying Barclay to build my credit rating. 

I can provide my payment history and the letter advising they were closing my account because of my credit score. Which should not have been a factor to them. Unless, Barclay needed to offset their profits as a charge off?! 

Since my account was closed without just cause, I made payment arrangements to pay the balance. But, the interest rate is more than the balance. So, another scenario, it was more profitable to close my account, and double the interest rate. Either way, I feel this is an unethical business practice. Each year the interest rate has doubled. My credit limit was {$1500.00}, as of XX/XX/XXXX, Ive paid {$1000.00} and my current balance shows XXXX 

Please review and help with this unethical business practice. 

Respectfully, 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 2020-03-30 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: PA

Complaint narrative:
I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX, XXXX and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX/XXXX  ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX ACCOUNT # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: PA

Complaint narrative:
I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX Transunion and XXXX are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX  ( INQUIRY ) XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX XXXX XXXX XXXX # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2020-03-30 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: PA

Complaint narrative:
i disputed once with the credit bureaus in which i received a letter saying this debt was verified. 
I then reached out to XXXX XXXX XXXX and they say it is validated ... .How can this account be verified and validated when there are tons of inaccurate information being reported? I have attached a copy of the contract they sent with the obvious different spelling of the name similar to mine. i have never lived at that address either. 

i am attaching a copy of both letters. 

This account is reporting on transunion and XXXX ( XXXX  deleted ) with 2 different dates of last activity XX/XX/XXXX and XX/XX/XXXX this account has been reaged. 

And account type reading as an auto loan when in fact it should read credit sale. 

I have attached a copy for your review. these are clear violations and there is no possible way they conducted a proper investigation as required by law. 

i also contacted the credit bureaus pertaining to XXXX XXXX as they are reporting a tradeline tied to this account they also stated that this is verified. i am attaching a copy of the letters sent to them. There are multiple violations and inaccuracies reported.

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 2020-03-30 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
i disputed once with the credit bureaus in which i received a letter saying this debt

was verified. I then reached out to credit acceptance corp a
nd they say it is validated ... .How can this account be verified and validated when there are tons of inaccurate information being reported? I have attached a copy of the contract they sent with the obvious different spelling of the name similar to mine. i have never lived at that address either.

i am attaching a copy of both letters. 

This account is reporting on XXXX and XXXX  ( XXXX  deleted ) with 2 different dates of last activity XX/XX/XXXX and XX/XX/XXXX this account has been reaged. 

And account type reading as an auto loan when in fact it should read credit sale. 

I have attached a copy for your review. these are clear violations and there is no possible way they conducted a proper investigation as required by law. 

i also contacted the credit bureaus pertaining to XXXX XXXX as they are reporting a tradeline tied to this account they also stated that this is verified. i am attaching a copy of the letters sent to them. There are multiple violations and inaccuracies reported.

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FACTUAL DATA CORP.
State: OH

Complaint narrative:
I was filling out a mortgage calculator through XXXX XXXX website is XX/XX/2019. I was simply just trying to see what the mortgage would be on a house I had come across for sale. The website asked for basic public information and I provided it. This was not some lengthy application, I filled this out while standing in line to check out groceries. I assumed they were collecting information so they could spam my email to death with lenders in my area for potential mortgages. However, within minutes of finishing filling out the form I started receiving calls from all over the country. I answered one call & the gentleman rattled off my social security number which I absolutely did not provide. Shortly there after I got a notification from XXXX  XXXX  stating Factual Data had pulled my credit without my informed consent. I contacted XXXX XXXX to put a stop to this immediately and froze my credit. However, I have been unable to get the hard inquiry removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I had first filed a complaint against Experian for continuing to report an alleged bankruptcy since XX/XX/XXXX. On XX/XX/XXXX, I mailed a signed affidavit to the United States Bankruptcy Court asking if they report any information, which includes the alleged bankruptcy to the credit bureaus and they responded back that they do not and I have attached a letter from the United States Bankruptcy Court verifying this information. Also, since XX/XX/XXXX, I have been mailing letters on a monthly basis to Experian, XXXX, XXXX  and XXXX  to remove the alleged bankruptcy since they had reported inaccurate, unverifiable information on my credit report, such as Reference #, Filing Date, Court Name in addition to the credit bureaus not verifying how they reported the alleged bankruptcy. Experian is in violation with the Federal Trade Commission with this information not being reported accurately and timely. XXXX   and XXXX  have removed the alleged bankruptcy from my credit report, however, Experian has remained the same inaccurate, unverifiable information that is still listed on my credit report. I have yet to see anything other than Experian saying that they " Verified '' the alleged bankruptcy without WRITTEN proof as to how Experian was certifiably complaint on HOW they verified this alleged bankruptcy. Why is Experian going to XXXX to verify a bankruptcy? This is in Violation with the Federal Trade Commission.

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 2020-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF THE WEST
State: FL

Complaint narrative:
I paid off my loan with Bank of the west XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX THE COMPANY IS HOLDING SINCE XXXX XXXX {$2900.00} FROM MY CANCELLATON OF MY WARRENTY AGREEMENT. spoke to customer service six times and I get from them, they do not know where the money is, yet I hold the letter stating they have the money and to call them, but when I call they escalated three times and on XX/XX/2020 once again spoke with a supervisor XXXX XXXX XXXX  and even with the letter he says he does not see the letter, this must be some kind of joke. 
This bank takes advantage of XXXX individuals, it is horrible. If I did not pay them a loan payment I would be in court. This is unacceptable that that they can hold {$2900.00} of my money for no reason.

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 2020-03-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Since the end of 2019, no one has been available by telephone to service my JP Morgan checking account. I just confirmed again that this remains the case. 

I am suppose to be able to request and obtain free, one-time electronic transfers as part of the servicing on this account. When I tried to exercise this feature of the account last XXXX, after calling one or more customer service numbers, I was transferred to someone in the XXXX who told me she had no way to access information about this account and that her supervisor had no way to access the account either. As of today, I can not reach anyone by telephone who can access this account or provide this service that is suppose to be available on JP Morgan checking accounts. 

Today I was locked out of Chase online. I can not check any of three accounts that I have with JP Morgan Chase. In addition, a telephone number that has nothing to do with this account is listed on it : XXXX. The information that came up online to reset my password indicated that I could enter my Amazon/Chase Prime credit card to get a code to reset my online password. This did not occur. The first time I tried, I was disconnected. The second time I called, I was told that I would need to wait online for 50 minutes. Recordings indicate that I can access my accounts online which is false. 

Although the current covid-19 pandemic has worsened service from JP Morgan Chase, there were insurmountable problems previously that have been long standing for several years. They have never been resolved. 

Presently, I have no access to any of 3 of my accounts with JP Morgan Chase. I can not check or make bill payments through this online feature of my checking account. And even when I reach employees of this company, they also claim they have no access to any, or one or more of the accounts. 

Please force JP Morgan Chase to provide me immediate access to my accounts with it and to provide full service to the checking account, in accordance with what is typically available to JP Morgan checking accounts. In particular, it needs to provide free, EFT transfers when requested. 

I have written about various related problems with JP Morgan Chase for years, yet my accounts remain completely inaccessible to me or to JP Morgan Chase employees which the bank widely advertises as being available to provide support and services that are not provided when they are sought. 

The CFPB needs to employ effective means to force this bank to comply with its own advertised services. Relying on unmonitored software to get it to comply with the law is insufficient to provide banking services to consumers. I have complained about this to the CFPB numerous times without relief. Since nothing was done before the pandemic, it now appears that it will be more difficult to obtain reliable banking services that JP Morgan Chase widely advertises for its accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander Consumer USA Took over the car loan from Gateway One Lending & Finance. There was no communication from them. I only realized this when i sent an email to Gateway and was informed that the account is with Santander. I had to try to create my own log in to to get an account number, which this information wasn't provided. i have emailed them three different times about paying the car loan off. There has never been a response back from them.The customer service sucks and they should never be in business. I have sent a payment in full for the car and asked when I would receive my title, and i haven't received a response. When i go on line it still shows the amount due, I sent a check for XXXX, I don't know what type of scam they are running. Both of these companies have left me in the dark about communication and about my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter as well as filed a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I called Nelnet regarding interest that continued to accrue daily on my loans owned by the U.S. Department of Education following the XX/XX/XXXX executive order waiving interest. I wanted to ensure that an upcoming auto debit on XXXX would be applied only to interest that had accrued prior to XX/XX/XXXX and not to the interest that continued to accrue on my account after that. I was repeatedly told that there was no way to ensure this. I was told that the interest would still accrue in my account and that the interest rate would not go to zero during this period until XX/XX/XXXX. I was told that if I continued my auto debit than the payment would be applied to the interest that continued to accrue in the upcoming months, as well as the principal amount. When asked if I could ensure that my payment just went to the principal amount in accordance with CAREs Act and the executive order, I was told that this would be impossible. I was told if I continued to make monthly payments and only applied to the principal amount, then my loans would become past due. I was told at some indefinite time point, possibly close to XX/XX/XXXX, I would receive some sort of repayment of the interest that I continued to pay. I advised that it was my responsibility as the borrower to keep track of money that was going to the interest that continued to accrue of my accounts and ensure that it was included in the eventual adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: IL

Complaint narrative:
Chase Bank emailed me two different times advising me of fraudulent attempted use and asked that I get back to them. This has been impossible either by phone or email. I want this card cancelled and will not be responsible for fraudulent charges when I can't communicate with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: IL

Complaint narrative:
Gateway One Lending & XXXX I had a loan with them. They just sold it to Santander Consumer USA.  There was no communication or no notification. They just closed my account which brought by credit down. Very pissed about this.

Company response to consumer: Closed with explanation