vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir/Madam, Without my concerned, Since XX/XX/XXXX, The Experian credit report taking money from my account until XX/XX/XXXX. 

Started On XX/XX/XXXX = {$1.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$21.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00} and XX/XX/XXXX = {$23.00} Total= {$270.00} Last XX/XX/XXXX, I first time when I checked my statement, I found out EXPERIAN CREDIT REPORT XXXX XXXX XXXX *CA was collecting money every month from my account.I never authorized and I never use them for anything.

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 2020-07-06 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: NJ

Complaint narrative:
I was billed {$38.00} by XXXX on my XXXX statement from Chase Visa. I contacted Chase Visa shortly thereafter to dispute the charge. The charge resulted from misleading advertising and was for a product I am unable to access in any event. I have contacted the firm to request their ceasing to bill me, but I have received no reply. The charge has appeared on the next statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: MoneyLion Inc.
State: MA

Complaint narrative:
XXXX AND MONEY LION FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. MONEY LION IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND XXXX IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE MONEY LION ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND XXXX  IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
showing ftc violations not removed ..

Inquires ftc 
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Federal government
Contact InformationXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX
XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal Date	XX/XX/XXXXBusiness Type	Personal loan companies
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXXRemoval Date	XX/XX/XXXX
Business Type	Auto financing companies
Contact InformationXXXX XXXX XXXX XXXX, TX XXXX   (XXXX) XXXX XXXX XXXX XXXX XXXX Inquiry DateXX/XX/XXXXRemoval Date	XX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX XXXX, TN XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXXRemoval DateXX/XX/XXXXBusiness Type	Auto financing companies
Contact InformationXXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX XXXX XXXX XXXX Inquiry DateXX/XX/XXXX 
Removal Date	XX/XX/XXXXBusiness Type	Finance companies - non specific
Contact InformationXXXX XXXX XXXX XXXX XXXX, TX XXXX  (XXXX) XXXX



accounts : XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX/LA XXXX

address: not mine 
XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I've had this account since XX/XX/XXXX and have tried resolving it with several companies, the last is named IC System Inc. It's regarding XXXX demanding payment of an early termination fee in the amount of {$130.00}. I have asked that I be provided documentation of a two year agreement with XXXX, and as a result only received a copy of my last bill. Upon receipt of a " Collection Notice '' dated XX/XX/XXXX from ICS, I placed a call and spoke with XXXX XXXX about resolving the matter and my paying the amount owed {$180.00} ( minus the early termination fee ). On XX/XX/XXXX, I mailed check # XXXX with an attached letter stating my paying the balance " in full '' and would close my account. ICS returned the check stating XXXX refusal to accept the amount submitted. My account was then submitted to the credit bureau 's. I've disputed this debt with XXXX on two occasions because ICS nor XXXX has been able to provide any documentation indicating a two year agreement between XXXX and I. After receiving XXXX   's first letter ( XXXX XXXX ) stating, " the information you disputed has been verified as accurate '', I assumed they had recovered some form of agreement from XXXX, so I responded by letter asking them to provide me a copy their supporting document ( s ) which assisted in their decision. Again, I provided XXXX with a letter and supporting documents of all correspondence from all parties since this account began in XX/XX/XXXX : XXXX, ICS, XXXX XXXX and XXXX. The results from my request from XXXX  was the same result, ruling in favor of ICS while not providing me any supporting documentation from their investigation. With all my attempts to resolve this matter, I think XXXX and XXXX has not offered proper due diligence in their investigation and is casually concluding their results.

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 2020-07-06 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I have an auto loan through Santander Consumer USA. I am currently financing a XXXX XXXX XXXX ( VIN :  XXXX ). My account number is XXXX. 
Last year, I was facing financial hardship. I called Santander in XX/XX/XXXX to inquire if I could have my car loan refinanced at a lower rate. I was told that Santander would not be able to grant this request. In XX/XX/XXXX I was three car payments behind and facing a repossession. On XX/XX/XXXX I made a payment for {$2000.00} to bring my account current. I have been making payments since XX/XX/XXXX. As of XX/XX/XXXX, Santander has my account listed as closed on my XXXX, XXXX, and XXXX credit reports. I called to request that this issue be resolved to reflect my current payments. To date, this action has not taken place. I am asking that my payments be updated from at least the last 90 days. 

Since XXXX, Santander currently has a class action lawsuit due to allegations that Santander issued unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts. It is my belief that I am a victim of this unfair practice. In XXXX, I was discharged from bankruptcy and totaled my previous vehicle. I was in need of reliable transportation and I accepted the loan from Santander. I am a resident of Alabama. I inquired with my state 's attorney general office and I was later informed that Alabama is not a participating state in the class action lawsuit. 

I am lodging a complaint to have Santander update my payment history from at least the past 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
showing ftc violations not removed ..

Inquires ftc 
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Federal government
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX XXXX XXXX XXXX
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Personal loan companies
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX, TX XXXX  
(XXXX) XXXX XXXX XXXX XXXX XXXX  Inquiry Date	XX/XX/XXXXRemoval Date	XX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX XXXX, TN XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact InformationXXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Finance companies - non specific
Contact InformationXXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX



accounts :
XXXX XXXX XXXX  
XXXX
XXXX XXXX XXXX  
XXXX
XXXX XXXX XXXX/LA
XXXX

address: not mine XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, LA 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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
showing ftc violations not removed ..

Inquires ftc 
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Federal government
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  (XXXX) XXXX XXXX XXXX XXXX
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Personal loan companies
Contact InformationXXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX, TX XXXX  
(XXXX) XXXX XXXX XXXX XXXX XXXX  Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX XXXX, TN XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX  Inquiry Date	XX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX TX XXXX  (XXXX) XXXX XXXX XXXX XXXX
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXXBusiness Type	Finance companies - non specific
Contact Information	XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX



accounts : XXXX XXXX XXXX  
XXXXXXXX  XXXX XXXX XXXX  
XXXXXXXX
XXXX XXXX XXXX/XXXX XXXX  
address: not mine XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, LA 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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent a letter on XX/XX/XXXX to dispute inaccurate information on my credit report and it has been past 30 days and I have yet to receive a response. I have also sent an additional demand letter on XX/XX/XXXX requesting they follow up and still have not received any feedback and to the issues, I am having. I am a victim of identity theft and, someone has been utilizing my name, which prompted me to dispute the items on my report in the letter.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent a letter on XX/XX/XXXX to dispute inaccurate information on my credit report and it has been past 30 days and I have yet to receive a response. I have also sent an additional demand letter on XX/XX/XXXX requesting they follow up and still have not received any feedback and to the issues, I am having. I am a victim of identity theft and, someone has been utilizing my name, which prompted me to dispute the items on my report in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Certegy Holdings, LLC
State: TX

Complaint narrative:
Certegy Check Services did not OK an attempted check payment for {$210.00} at XXXX on XX/XX/2020, in XXXX Texas. When contacting this service I was informed that verification data required was not given. This happened because the store clerk at XXXX was unsure what bar code to scan from my drivers licence and I guess he scan the wrong area. Fine, after looking at my drivers licence, I would have been confused also. However, a few days later I was notified that my credit score was lowered 17 points. For sure, there was no other reason for my credit score to drop. I maintain a very high checking account balance and all my bills are paid before due dates.

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 2020-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Paid company {$4300.00} to be applied to Ally car account for previous car lease on XXXX XXXX  XXXX.Ally still attempts to collect on debts not owed due to offer of settlement that was believed to resolve the aforementioned account. The payment was applied to but didnt satisfy the entire balance and obligations.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The " Personal Statement '' on my Experian account properly contains an " ID Fraud Victim Alert '' and states, " Do not extend credit without first contacting me personally and verifying all application information ''. It then provides two phone numbers. One is accurate -- it is my current mobile phone. The other is a former work number. I left that position over three years ago but the employer could still activate the number. I want to have that number removed. 

Experian 's website says that this information can not be changed via their website and provides the phone number XXXX to request the change. Calling this number provides a dead-end voice-response that has no relevant option and which eventually hangs up on the user.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020, I attempted to submit an auto loan application. The company that I submitted the loan application to said that I could not complete the application online because of a credit freeze. I spoke to a customer service representative on XX/XX/2020, and she said that there was a credit freeze by Experian. The customer service representative was correct. I had placed a credit freeze on my account by Experian. I had forgotten my PIN for unfreezing it and contacted Experian. After much time trying to contact a human being, I finally spoke to a customer service representative who then took me through a script to confirm my identify. She asked about the monthly mortgage payment, my monthly car payment, employer, and date of birth. She said that one of my answers was incorrect and that I would have to submit my request to unfreeze my credit in writing. 

As you can imagine, I had already spent significant time on hold. I was also looking right at my online bank statement when answering the questions, so I am confident that my information about my mortgage payment and car payment were correct. The employer and date of birth questions were not an issue. 

I wanted to submit this complaint to highlight the fact that Experian is using a software program with inaccurate data, which only serve to make a cumbersome process even more complex and less helpful for the consumer. I urge you to compel Experian to ensure that whatever program it is using to verify identities is actually using correct data. Experian 's error will now put off a car buying decision by two weeks, at a time when our country is trying to get back on its feet from the Coronavirus emergency. Thank you for your consideration. 

Very truly yours, 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 non-monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I started a VA 'streamline ' refinance application with Quicken Loans ( QL ) on XX/XX/XXXX. I was told that I would be closing in XXXX back in XXXX to which I requested information regarding why I did not hear about the closing details ( phone record to XXXX, XXXX should be with QL regarding his assertion I would be closing in XXXX ). When that failed, I gave the benefit of doubt that due to COVID, they were behind and he assured me they would be able to close in XXXX ( Phone records should also show this by QL ). I called their company to find out why it was taking so long and the representative stated it does seem unusually long beyond even the 'normal ' delays/circumstances for it to be still waiting for closing ( 77+ days and counting ). I should have closed in XXXX starting my savings of well over {$600.00} dollars a month, only to be still here in XXXX without a closure to my refinance. To top it off, the client care specialist stated that 'Due to COVID restrictions verifications are only good for 10 days ' ... ..I would really like to see the regulations that say now due to COVID 'verifications ' are only good for 10 days, otherwise this is harassment on top of being mistreated on the loan process. I attempted to resolve the issue with Mr. XXXX XXXX by requesting the new mortgage rate ( 2.725 % down from 2.875 % ) and at least one month of savings ( {$660.00} estimated ) toward closing since they have failed to close me the last 2 months and now pushing to the 3rd month on a supposedly streamlined VA refinance. I really wished I went with another company, I feel either this team or the company has severely mistreated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi Bank changed their travel insurance policy right before the beginning of the Covid-19 pandemic. I was not aware of these changes when booking my vacation in XXXX of 2019 and denied the insurance offered through the booking agency as I thought my card would offer protection. 

Due to Covid, our vacation was cancelled and the booking agency would not allow a refund, postponed vacation, or a credit toward the following year. I then filed a dispute with Citi Bank and they would not offer any relief. Now, not only is the vacation cancelled but I am stuck with a bill of {$2000.00}. 

I wish that Citi Bank would clearly notify customers when terms of their card are changed. Possibly even have the card member at least acknowledge the changes to their benefits. I travel for work and settled on my two citi cards, in part, based on the travel insurance that was included.

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 2020-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the beureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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