vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc.
State: KY

Complaint narrative:
Mailed letter requesting what the debt is and to validate the debt is mine XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and can NOT get any response to any letter asking for information or delete the debt off of my credit report as I do not believe the debt is mine. If I can not get debt validation and verifiable information that the debt is mine, it needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi charged me a {$25.00} late fee on XX/XX/2020 and a {$29.00} late fee on XX/XX/2020. The creditor failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees. If Citi disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt. Thank you.

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 2020-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can not connect XXXX  to my PNC account because of PNC 's recent security updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
requested financial assistance / Covid19 related relief from Upstart in XX/XX/2020 and at every single step of the way I have felt mislead and constantly on purpose made to feel confused with the relief that I was supposed to be getting since it never was made clear to me what the relief actually was or for how long. Despite my request for relief in XXXX, Upstart marked me as 60 days late in XX/XX/2020 per the attached credit report. I went through the hardship application process and was led to believe that I was approved. I have attempted to resolve this matter with Upstart by telephone only to get the runaround from each and every representative I have talked to..essentially they attempt to frustrate consumers with excessive wait times and runaround in the form of being transferred from one agent to another and nothing gets investigated or resolved. 

As a result of the derogatory marks on my credit report I have taken a XXXX point hit in my scores and am about to need my credit for a major purchase and as a result of Upstart I will have actual and statutory damages. I am attempting to mitigate my damages before I acutally sustain any further actual damages. So far I have sustained over {$370.00} worth of actual damages, which I can prove. 

I do not wish to escalate this matter much further as long as this gets handled within the next 14 days by upstart. Should this matter yet again not be properly handled I will retain a lawyer and seek damages pursuant to Consumer protection law under ( CA CCRAA ) California Civil Code California Consumer Credit Reporting Agencies Act 1785 et seq and The California Rosenthal Act 1788 et seq ( RFDCPA ) I am also requesting that Upstart communicate in writing only via this issue and not contact me by telephone. 

Despite my efforts to resolve this I have felt very bullied by upstart since they are leveraging my credit report and in the process I paid them {$1000.00}, which is money that is hard to come by right now. This entire thing is causing me so much stress and anxiety as I have now spent countless hours trying to fix the mistakes caused by upstate and the damage they have caused me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-22 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: WA

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-07-22 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: WA

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-07-22 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: WA

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion continues to show a collection account that should be removed from my report at this point one month ago. It is XXXX XXXX. This needs to be removed,

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 2020-07-22 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: ND

Complaint narrative:
To Whom It May Concern, I purchased an airline ticket with XXXX on XX/XX/2020 using my Chase Visa credit card. I did this because I believed ( apparently incorrectly ) that there are consumer protections when using a credit card. 

The day before the flight was scheduled to depart, XXXX cancelled the flight. They also cancelled every flight for the month of XXXX, XXXX, and I still think into the future. I disputed the charge with Chase, because I wanted my money back. After many follow-ups with Chase ( months, now, actually ), including my providing them with evidence of the flight cancellation, the contract that XXXX posted on its website showing if they cancelled a flight I was entitled to a refund, Chase finally called me today ( XX/XX/2020 ). I spoke with a supervisor named " XXXX '' who told me that they considered that the merchant had provided me with the services I paid for, by giving me a voucher. I explained : 1 ). I knew nothing about the voucher, and didn't want it. I needed to fly on a particular day, was ready to fly, and that the airline chose to cancel the flight ; 2 ). I did not pay for a " voucher '' -- I paid for a ticket, to carry me from one location to another ; 3 ). There were no other flights for that same week, month, or the months going forward ; 4 ). The airline has now filed for bankruptcy in US Court. The Chase representative then informed me that Chase determined the voucher was the equivalent service that I had paid for ( I'm not sure how, since none of us may ever  travel again, everything 's been closed for months, may still be, and I may not have the need to fly between those specific cities again [ and the airline may not even exist in the future ] ). I then engaged in a back and forth with the Chase representative -- if I order oranges and get apples, Chase can then say I received what I paid for? The Chase Representative asked me where it said in the cardmember agreement ( which I requested and read ) that I was entitled to a refund. I said, I guess we live in a different time where you can pay for things and not get what you paid for. I then asked the Chase representative, " Where does it say in the card member agreement that you can decide to change what I contracted/paid for, in other words a ticket between specific locations and that a voucher for a time, place, future that may never exists, is your right? '' His response : If we put in all the terms and conditions in the member agreement it would be 1,000 pages long. I said, then that is what I expect. Otherwise I have no idea what to expect, anticipate, or comply with. I said, at the end of the day, all I want is my money back ( {$200.00} ). He said, Chase had made its determination that I got what I paid for. End of story. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I bank at TCF and during the pandemic I called them to see if I can freeze all the automatic payments so I dont overdraft my account. Well that didnt happen and now I have a negative balance. I called and no one was helpful. I should have a positive {$70.00} and my automatic payments should not happen until I contact them again. Now I have a negative almost {$900.00}! I would just close the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SOUTHERN CASCADES FINANCE CORPORATION
State: WA

Complaint narrative:
XXXX XXXX of XXXX wa on Saturday tryed to get a loan for a truck they told me the loan companey had tomaney apps to prosses could not get an answer on the loan then the following monday they said Southern cascade of XXXX Or has my loan I sighned nothing with southeren cascade then southern cascade I asked for copy of contract I signed with them they said they didnt have one then they a month later sent me via email the contract with XXXX XXXX of XXXX WA they have nothing with my signature on no contract or anything I said I needed a contract with sutherne cascade mailed to me they told me no this is a fraud contract they have no proof I agreed to there contract with southern cascade they keep sending me copys of the agreement with the dealer ship to try and find me a lender so I can look at the offer never talked to them again then found out the Lending comaney is part of XXXX XXXX of XXXX and there is 13200 complaints of fraud accounts on southern cascade and XXXX XXXX of XXXX and Orgon lots on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: GA

Complaint narrative:
My insurance originally declined my medical claim. After filing a complaint with the Georgia Insurance Commissioner, my insurance decided to pay my medical claim. However, one debt was turned over to a collection account. The original creditor has agreed that my account is paid in full and that they have requested the collection account be reversed. However, the collection company is still showing I owe a balance even after I have contacted them numerous times and provided documentation. It has been over a month and they are still saying I owe a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My Husband had XXXX discharge due too his XXXX XXXX I filled out the paperwork and spoke to someone on XX/XX/XXXX and I was told everything was noted and now I have a paper saying the loan was reinstated and at the moment we are XXXX and in a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am unable to link my personal account to my XXXX app. This app connects with my bank to access my payroll deposits so I can receive advances from my check before I get payed each bi weekly week. Unfortunately because of Pnc I can not do so. I wish to get this handled as soon as possible. This app is a legitimate system that helps others in financial need. I wish to be able to access this application via threw my account just in case my account is overdrawn or if an emergency comes up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This debt was paid by my insurance company. I dont owe this bill. I disputed this before and it was XXXX we from my file then sold to another collection agency

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 2020-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I paid {$5000.00} into the persons account at M & T for car purchase since XX/XX/2020, till date my car wasnt delivered, either was my money refunded since then till date I keep calling no response, Im just been ignored I call everyday, text Nothing changed ... The person name is XXXX XXXX with account number XXXX M & T bank, phone number 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 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX i noticed fraud on my account from company called XXXX XXXX  for following transactions {$43.00}, {$28.00}, {$72.00} to which i called reported the fraud and filed a claim and WON ... because it was not my charges..they also placed a stop on XXXX XXXXclaim # XXXX Then on XX/XX/XXXX the same person or company who committed the above fraud put through the Same transaction amounts AGAIN {$43.00}, {$28.00}, {$72.00} only this time under XXXX XXXX!! so i called BANK OF AMERICA letting them know it happened again under different company name for same amounts opening a claim # XXXX ONLY this time they denied the claim for XXXX XXXX saying it was a duplicate they already paid and resolved.. it was not they took away the provisional credit in the amounts of {$43.00}, {$28.00}, {$72.00} on XXXX XXXX denied my claim. 
after calling to reopen the claim 4x with further explanation from managers in writing to an escalation team ... they said it would be corrected and then later 4x they sent me a message saying claim has been closed NOT PAID.. this is wrong and unprofessional in nature due to the clarity of the two fraud cases. 

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 monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have called Santander, filed a complaint with the XXXX  regarding releasing my title. Which was included in a Ch. XX/XX/XXXX Bankruptcy, with a Successful Discharge in XXXX. It is currently XXXX and my title is still in the name of Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-07-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
I had a credit card with XXXX  XXXX XXXX around 2-3 years back. I paid what I owed and claimed identity theft because my ex-husband was using my credit card afterward. It's been two or three years since that credit card account was closed. I already filed several claims as well in XXXX XXXX XXXX as well. Now, I have some collection agency under Credit Control , LLC from Missouri that claims I owe {$2400.00} to XXXX  XXXX XXXX and that they'll take that money from my accounts. They've repeatedly called and mailed me to pay them the money.

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