vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-21 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: GA

Complaint narrative:
XX/XX/XXXX Disbursement to school {$3100.00} Total Current Balance : {$4700.00} Numerous attempts to seek forgiveness and discharge Attended school for 3 weeks but have to remove myself from the curriculum due to family emergency. 
Went through proper procedure to exit out and approved to do so I have never received a check nor put my signature on one!! 
Never received a check for remaining balance nor cashed a check School kept the money School total disregard to return remaining funds for 1 quarter Had me believe that I would not owe anything because I did a proper exit out due to reasoning. 
Has negativity been affecting my credit since XXXX There only options are : School Closure Discharge Loan discharge due to school closure Total and Permanent Disability Discharge Loan discharge due to a disability Public Service Forgiveness see below for more details Teacher  Loan Forgiveness see below for more details And more : Loan Discharge Loan Discharge Application : School Closure Loan Discharge Application : Unpaid Refund Loan Discharge Application : False Certification ( Ability to Benefit ) Loan Discharge Application : False Certification ( Disqualifying Status ) Loan Discharge Application : False Certification ( Unauthorized Signature/Payment ) Bankruptcy : Ch XXXX - First Meeting of Creditors Letter XXXX I filed for bankruptcy in XXXX and it discharged in XXXX Ch XXXX - First Meeting of Creditors Letter *******AND XXXX!!!! XXXX XXXX, one of the nations largest student loan servicers, has settled a student loan forgiveness lawsuit.

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 2020-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: DriveTime
State: FL

Complaint narrative:
DriveTime from XXXX, Florida ripped me off. My car is {$8000.00}. I literally bought this car 3 weeks ago. Why does my loan say I'll pay {$25000.00} at the end of my loan. My interest was 25 percent. Like they say, " Never let a crisis go to waste. '' I am on XXXX and they refuse to assist neither did the loan company XXXX wanted to assist or change the terms. They made is so that I could not trade in my car because I had alot of negative equity. If I wanted to trade in my car at another dealership, I had to put {$10000.00} dollars down. My car was only worth {$3000.00} as a trade in. Don't go here. Drive Time XXXX used this crisis to prey on people like me. Beware.

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 2020-06-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$30000.00}, {$560.00}, {$7100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-06-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$30000.00}, {$560.00}, {$7100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-06-21 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$30000.00}, {$560.00}, {$7100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
A title opinion when going to still a home, showed that a mortgage was assigned to PHH Mortgage/FL in XXXX. The loan was paid off in XXXX but not recorded therefore there was still a lien. I faxed all info to the lien release dept on XX/XX/XXXX. On XX/XX/XXXX the company said it needed 4-6 business days to get me a lien release/ satisfaction letter. It's now XX/XX/XXXX. I have sent received 65 emails and made 25 phone calls : still no release.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: RI

Complaint narrative:
Recently ( early XX/XX/2020 ) I submitted my 605B dispute to experian with my ID theft affidavit and all other documents.3 of the 4 accounts were removed correctly however the wrong XXXX  XXXX account was removed. The XXXX  XXXX account that was removed was an account I was an authorized user on not the fraudulent account from years ago ( the numbers were similar ) .Here are all my documents again with the correct XXXX  XXXX account highlighted.Can you please make sure this gets to the right person as quickly as possible.

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 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
Its cash app they locked my account the first time because I put request a refund but it was an accident then the second time I put request a refund because I gave money to this girl that was supposed to bring me something but instead as soon as I sent the money she blocked me on that account and turn her phone off so I request for a refund and they denied the request and they locked my account and I need to make a transfer and then close the account to get my money off of there I have messaged the support people about 40 times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have complaints with LVNV : 01 XXXX XXXX XXXX balance they claim is the original creditor. The account was opened in XX/XX/2018. At that time I was in XXXX  shelters without enough income to qualify or need a credit line. My mail was still being sent to XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX. I think it was stolen from the mailbox, and a card account was made illegally. I do not owe this amount, and would like this taken off my credit report along with derogatory remarks.LVNV also has a XXXX  XXXX  XXXX XXXX  account that I am not aware of the amount of that is XXXX. I'm not sure of it's origin. I did not apply for this card. It has derogatory remarks that I would like removed from my reports.XXXX XXXX XXXX has been paid in full, and I would like it taken off of my report, and any derogatory remarks.XXXX  XXXX XXXX XXXX a former XXXX  XXXX  Account has been paid in full, and I would like it taken off my credit report, and any derogatory remarks.XXXX  XXXX  orginial creditor 08 XXXX XXXX is being settled as soon as they send me a letter stating they will take the derogatory remarks off my report, and report as a settled account. It also was a charge off, and I would like any charge off accounts that are paid or settled removed. XXXX XXXX XXXX has an orginial creditor account with XXXX  XXXX I am unaware of its origin. I would like it removed from my report, along with any derogatory remarks. XXXX XXXX XXXX has a closed account I would like removed along with any derogatory remarks. I was in XXXX  shelters, and my XXXX  did not pay the car bill. I relinquished the car after I found the address he was living, but they will not remove the bill, or remarks. Considering the situation I would like this deleted. The car loan was XXXX. I relinquished the car willingly, and they still want XXXX. I had already paid 2 1/2 years of payments of XXXX. They sold the car at auction and got XXXX for the car. I'm not sure how they're math is possible, or their morals. I would like any derogatory remarks removed. XXXX  XXXX  XXXX XXXX  has an account I do not know what is. The way it is listed it looks like an account that was paid every month, but wasn't used frequently. It was closed while I was in XXXX  shelters. Please remove it and any derogatory remarks or charge offs from my credit report. The credit limit is XXXX and the amount owed is XXXX dollars since the account was always paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Trying to link my checking account to XXXXXXXX.Investments and according to XXXX not able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I visited XXXX XXXX XXXX, XXXX, VA on XX/XX/2020. I was interested in purchasing used cars listed for sale at the dealership. I was ready to pay for the car in cash. Upon insisting that I don't want to finance the car, dealership conveyed that they would do a soft pull and let me know on the interest rates on pre qualified loans and then I could decide if I would want to pay it outright or finance it. 

However, I would like to bring it to notice that at no point in time, did I authorize the dealership to do a hard inquiry on my credit report. But the dealership has made multiple hard pulls just to benefit them in the disguise of getting better rates for me. I was so irritated with the dealership for doing this without my consent that I ended up not purchasing any vehicle from them There are two hard pulls, one from XXXX XXXX, one from XXXX XXXX. This is done without my consent and authorization and hence I would like these to be removed from my credit report and the issue be rectified. 

Let me know in case of any queries. 

Thank You, 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 2020-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Purchased a XXXX used vehicle from XXXX XXXX of XXXX XXXX XXXX, in Arkansas. On XX/XX/XXXX. I was really desperate to purchase another vehicle because my current one ( XXXX XXXX XXXX ) at the time was breaking down. I was only receiving an XXXX XXXX check monthly and didnt know alot about financing, interest rate, APR and got fast talked into buying a used car with XXXX miles bad tires and axles for {$27000.00} dollars. I am involved in what I believe is called 'The Rule of XXXX ' a Debt Trap. The Rule of XXXX which is a financing method that allocates pre-calculated interest charges that favor the lender over the borrower. This financing practice is highly controversial and in XXXX, was outlawed in the United States for loans longer than 61 months. Well I was financed for 63 months using this same pre calculated method.

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 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After hurricane Michael the storm destroyed my room in a I church XXXX XXXX XXXX  donated to me to help me and they asked for my bank information with Wells Fargo and I gave it to them and they logged into my account and they sorry And they uploaded a check to my account the account that the people said that the account that the money was on but the check was from having no money on the account then they change the story and said that the check was fake and made up and it was fraud And they close my account and they are closed 20 other banks iVe open and now I am XXXXAnd I had to move from my son family and friends and its unarthorized transaction the upload of the check was.

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 2020-06-21 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
So on XXXX, I was approved for a Chase united card with a XXXX limit to it, I was financially stable and reliable to be able to withhold such card and my credit was intact to be able for lenders to trust me. So when I first received the card I took it slowly started using it for everyday gas purchases etc. Keep in mind it was around the holidays a time where items were cheap when I got approved so it was great timing. So my family all have work to do on their laptops and my brother is about to become a XXXX  in hs and they all need new laptops so for a gift I wanted to gift them some XXXX  like 2 XXXX  and with the card I received, I wanted to use that since I wan na build rapport with the company show how much more reliable I am. So knowing it was going to be a big purchase I called chase card services and let them know hey this is the purchases don't block the card but it ended up blocking it while in the XXXX  XXXX  I stood on the phone for more than 30 min trying to get it solved just to find out my account went under review for a fraud alert even though I verified everything was me and I was going to make a big purchase. My account went under review for 10 days so I couldn't use my card. Still wanting to get them a gift I did the same process called right before inserting my card this time to make sure it was ok and I got the go-ahead and my transaction was still blocked just to find out my card went under review again for the same thing. So at that point, I'm frustrated unable to use my card for another 10 days. After the 10 days is up I decided to go get some gas by this time I had already made the purchase for the XXXX  in cash and didn't get the cashback or rewards I would've gotten using the card and found out that they closed my account only finding out when my gas transaction got declined. I called and was told they closed the account and weren't able to tell me the reason and as well as canceled banking relations with me which is absurd because nothing wrong was done I didn't have the card for more than a month and with the closing affected my score drastically and brought my score down hurting me from even proceeding on with my life if I needed my credit for anything. I'm a reliable lendee always made my payments on time with my cards and as well as been banking with chase for 4 years and nothing was done wrong now I can't open a credit card account nor a regular checking they closed me from everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have inquiries from organizations in which I have no affiliation with. I never authorized the companies to view my Equifax credit report. There is XXXX XXXX XXXX twice XXXX & XXXX XXXX, 2019. Then XXXX XXXX XXXX dated XX/XX/2019 and XXXX XXXX, XXXX XXXX, 2019. 2019, was especially hard because I was my mothers caregiver and she passed, so I was dealing with a lot taking care of her, then her passing so I was dealing a tremendous loss and I did not make or authorize these inquiries. Fraud alert were attached to credit reports, so not sure why I was not contacted in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The bank is not letting me withdraw my money by card, by a card-free access code, and by sending momey to a different account for withdrawal. They called me a few weeks back concerned about fraud and assured them that there was no fraud on my account and all tramsactions and requests were made by myself. Yet my account is still frozen. I will sue pnc! This is not the first time i've had a problem with them! They removed my automatic auto payments and are charging me 5.14 percent in interest, versus the 4.89 we decided on upon opening the account, and claimed it was me that called and requested to have it removed. WHY THE XXXX WOULD I RISK LOSING MY CAR? WHAT SENSE DOES THAT XXXX MAKE? Yet, i let it slide, and have not bothered to go in and get it adjusted because i want to pay off this car and not have to deal with those XXXX  again. Many times i told them if my card does not have sufficient funds, i do not want anything to go through, yet they let charges go through and charge me overdraft fees and returned payment fees. I can not wait to take my money out and close the XXXX account.

Company response to consumer: Closed with explanation