vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a XXXX dollar balance due. This false reporting of lates is seriously harming my credit and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Hi! My name is XXXX ( full name : XXXX XXXX ) and I am contacting regarding my auto loan with Chrysler Capital. In XX/XX/XXXX I have arrived to the dealership and applied for a car loan. They approved me with 20 % APR and informed that I will be able to lower the apr as low as 2.99 % after I complete 7 payments in time. After paying the monthly payments in time I contacted Chrysler Capital to ask to lower the apr and my monthly payments but they rejected my inquiry. Also, I found that 80 % of the money I paid since XX/XX/XXXX were counted as an interested and in fact I paid almost nothing to cover my actual loan. Now in XX/XX/XXXX, I still owe almost the same amount as I owed in XX/XX/XXXX. I am not able to continue my payments with the given APR as my plan was to pay only during 7 month. I can pay in time my debt if I can receive the normal APR that my credit profile deserves but the company is rejecting to negotiate and I was rejected with another bank to refinance. Please help me in this situation. 

Chrysler Capital loan terms are unfair, they are damaging my life : I cant afford healthcare, save money or any vacation and all of these forcing me to file a complain. If they never told me that I can lower my apr after 7 payments I would not sign for that deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My husband and I, our credit report has been affected significantly because of Rushmore Home Loan misreporting a late in XX/XX/XXXX. After 5 phone calls, we finally received a letter from Rushmore addressing that our loan reflects a zero principal balance as of XX/XX/XXXX. However, per credit bureaus, they need a letter specifically specifying that we were not late in XX/XX/XXXX. Once we receive instruction from the bureaus we made another 3 phone calls to Rushmore customer service to let them know that we need a revised letter stating that we were NOT late in XXXX of XXXX, that the letter received from them reflecting that the loan is at XXXX balance as of XXXX is not been accept it by the bureaus. Per the customer service representative, a request to remove the late had been sent to the credit bureaus. We pulled our credit report on XX/XX/XXXX and the mortgage late still reflects on our credit report. Our fico drops from high XXXX low XXXX down to XXXX & XXXX and affecting to get a good interest rate on our refinance. Please help us get this situation correct it. 
We have been dealing with this situation for the past 5 months and Rushmore has only giving us the run around and affected our opportunity to refinance and get a lower rate on our refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP
State: NY

Complaint narrative:
My card has been taken by the ATM machine, and i need the bank send me a new one to replace. But i try to contact them thousands times, no customer services help me. 
They said they have a lot of customer services help us through phone, but it is a lie! a lot of customers called them thousand times, but no answers and reply. I try to contact them on XXXX, XXXX, XXXX in the morning, because they said they work 24hr/7 days. but it is a lie. I spent 4 hours on hold just to be hung up on. Ive been calling all month, until now my problem still not solved. Horrible Horrible customer service! I can not withdraw money because i don't have card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
CAPIO PARTNERS ADDED A COLLECTION ACCOUNT TO MY CREDIT REPORT ON XX/XX/2019 WITH THE ORIGINAL ACCOUNT BEING WITH " XXXX HOSPITAL ''. THIS DEBT IS NOT MINE, DOES NOT BELONG TO ME. 

CAPIO PARTNERS NEVER SENT ME ANY INFORMATION VIA MAIL THAT VALIDATED NOR NOTIFIED ME OF ANY DEBT. AFTER SENDING MULTIPLE LETTERS TO CAPIO PARTNERS ASKING FOR VALIDATION OF THE DEBT, I HAVE RECEIVED NO RESPONSE NOR ANY INFORMATION ABOUT THE DEBT OWED. 

THIS ACCOUNT IS NOT MINE AND CAN NOT BE VERIFIED. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AS THERE IS NO ACCURATE INFORMATION THAT HAS BEEN VERIFIED WHICH LINKS THIS ACCOUNT TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo sent me a letter today, dated XX/XX/XXXX, stating that they were closing my account on my credit card. This is the first notice and information that I have heard of the closing of my card/account from them. There have been no phone calls and letters up to this point. I had even been on the phone on XX/XX/XXXX talking to a banker, XXXX, who told me that I was not getting a new credit card because I had a past due amount. I was going to make a payment on the XXXX of XXXX when I got my paycheck. There was no mention on the phone of them closing my account even though XXXX checked with his supervisor to find me an answer to my question. 

When I called the number listed on the letter today, I spoke with XXXX who informed me that my account had become " delinquent '' with my account and that was why they were closing it. I asked her when that happened and she checked with her supervisor and stated that I was not keeping my account current and that it had become delinquent. I went through my statements again and no where on any of my statements was my account delinquent or was I sent other letters letting me know that I was falling behind on the account. I have been making monthly payments and keeping up with my account, even if it was late. XXXX then stated that they ( Wells Fargo ) had been sending me letters about my account being delinquent. I have never received these letters so who knows where they actually went. The letter that I got today still had my maiden name on it even after I have sent them the necessary documents to inform them of my legal name change to my married name. So between these letters that were sent and the issue with my name on the letter, this letter was the first one that I have received in a long time. 

I have been banking with them since XXXX and I have worked with them on this credit card for several points. The due date for the payment of the bill is the XXXX and I have worked with them 5 separate times to get the due date moved to another date because I only get paid two times per month and the XXXX is not a good date to have a bill due. On each of these five times, I was told that I could not move the due date.

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 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Savings and Checking account on XX/XX/XXXX and deposited {$20000.00}. I then added another {$35000.00} on XX/XX/XXXX in order to qualify for the {$700.00} new account opening promotional code. 

On XX/XX/14, I contacted Citi to confirm I would get the {$700.00} provided I kept a minimum balance of {$50000.00} for 90 days after XX/XX/XXXX. I was provided a promo code number ( XXXX ) and assured I did qualify. This was XXXX from Team XXXX. This was at XXXX XXXX  On XX/XX/XXXX, I contacted Citi again at XXXX XXXX  PST. I was told I had to wait no longer than XX/XX/XXXX for the final {$300.00}. This was from a person who only identified as a number ( XXXX ). 

On XX/XX/XXXX, I received {$400.00}, instead of {$700.00}. 

On XX/XX/XXXX, I contacted Citi again. They would only open a complaint. This was done by XXXX from team XXXX. It was at XXXX PST. 

I have no confidence whatsoever that Citi has any intent on honoring their promotional offering.

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 monetary relief
Consumer complaint received 2020-05-04 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with  XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX i applied for the sba ppp loan under the care act with bank of america. on XXXX i uploaded the documents that they requested and got an approval email from them on XXXXThe loan is based on your average monthly payroll. it states on their application that new businesses should use their payroll from XXXX ( my business was only open for 6 months in XXXX ) so that's what i did and applied for {$57000.00} ( my payroll was {$22000.00} on average ) I indicated on the application that this is for XXXX and that i also attached the requested form for XXXX in case they want to go with the XXXX. i XXXX   2 locations one in XXXX  and one in XXXX  so i have 2 adp  accounts so i sent them XXXX XXXX forms ( one for each state for each year ) whoever processed the application only look at one form for XXXX and divided it by 12 months and got me approved for {$5000.00} instead of the {$57000.00} and now i cant accept the loan becasue on of the terms is that you'll hire back all of your full time employees and i cant do that with just $ XXXX.My location in XXXX  is inside XXXX XXXX   the military base serving military personnel and we've been losing money for the last month and a half and i had to cut all my employees hours. We were counting on this loan to keep our doors open and keep paying our employees.on on XXXX i called bank of America and waited 2 hours and XXXX minutes on the line just for the rep to tell me there's nothing she can do and there's no one you can talk to regarding their mistake.on XXXX i went into the bank of America XXXX branch and they didn't want to help me as well and just said they'll send an email to someone from their business department.

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 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc.
State: NY

Complaint narrative:
1. I signed up with Credit Repair on XX/XX/2020 because I had received notification by email that three late payments had been reported on my credit report. 
2. The day I signed up, I was also informed that XXXX XXXX XXXX also had reported late payments. I was surprised because my account with XXXX XXXX was an older account which I thought was closed. Credit Repair explained that they could easily fix these errors on my report. 
3. On XX/XX/2020, I called Credit Repair to check on progress and to cancel my account because I did not feel I needed them. I was offered a discount because of the Corona Virus, so I decided to stay with them for a while longer. 
4. I received a returned letter from the post office on Saturday XX/XX/2020. The letter was written to XXXX XXXX by someone using my name and social security number. The letter was a single sheet, requesting consideration for a loan but did not include any other information. I did not write the letter however the letter contained information from my credit report. This is scary. 
5. I have reached out to Credit Repair in order to cancel our account. I was advised by Credit Repair to contact Social Security, in addition to making this report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
The bank will not give me a statement with the current status of my loan. They will not give me a statement either. They will give me a line item payment history and a payoff amount. 

I need to verify my account is current and they are unwilling to provide me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I PAID OFF THE CAR LOAN AND XXXX XXXX XXXX IS FRAUDULENTLY REPORTING THAT I STILL OWE MONEY TO THEM. XXXX XXXX XXXX HAS BEEN CONTACTED MANY TIMES VIA XXXX AND THE FRADUSTER STILL FRAUDULENTLY REPORTING THAT I STILL OWE. 

XXXX XXXX XXXX HAS NOT GIVEN ME THE PINK SLIP. THIS IS A FRAUDSTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I PAID OFF THE CAR LOAN AND XXXX XXXX XXXX IS FRAUDULENTLY REPORTING THAT I STILL OWE MONEY TO THEM. XXXX XXXX XXXX HAS BEEN CONTACTED MANY TIMES VIA XXXX AND THE FRADUSTER STILL FRAUDULENTLY REPORTING THAT I STILL OWE. 

XXXX XXXX XXXX HAS NOT GIVEN ME THE PINK SLIP. THIS IS A FRAUDSTER.

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 2020-05-04 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with  XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX   XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$11000.00}

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 2020-05-04 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX   XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$11000.00}

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 2020-05-04 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian is unable to verify my identity and I believe they have me down in their system as a minor. I am unable to do anything on their website or telephone system because they either don't ' have a human being I can talk to or their website will not recognize 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 non-monetary relief
Consumer complaint received 2020-05-04 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:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a letter dated XX/XX/2020 in regards to my account being overdrawn, and they are charging me a {$30.00} fee. I had been calling non-stop, almost everyday since the date above, waiting for costumer service to answer my call, and no one is available. I have pictures or the long wait times i had been experiencing to fix this problem and no one there to help, even though they calim that my wait time will be 20 or more min in either language, English or  XXXX. Due to COVID-19 i am unable to leave my home to see if i can get in person assistance. I find it ridiculous and unprofessional of this bank to have such a horrible costumer service. I had called several numbers, and they all lead to the same automatic system, which tells me, im calling the same place. I feel like there is no way out. I go online, and i dont have a account with them anymore, yet, they are threatening me to send me to collections for {$30.00} and damage my credit, again for {$30.00}. This is beyond wrong. This could had easily been fixed or disputed if someone was available. Is sad, that this is my second complaint via CFPD to resolve my issues with this bank. Last time i made a complaint here, they called me right away, because they get scare. Is sad that they use the COVID-19 situation as there way to clean their horrible costumer service neglect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I have been trying to dispute this for almost a year now as I do not recognize this debt. I do not recognize the original creditors and want it removed. I do not know if this was part of identity theft or not.

Company response to consumer: Closed with explanation