vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a American Express Gold card. We were impacted with job loss related to Covid-19 and as a result were given the option to defer payments. However, we wanted to payoff {$710.00} pay in full balance during forbearance period so we aren't hit with it afterwards. 

The card provides a pay over time and pay in full option based on the amount of your purchase charge. I made a payment of {$350.00} on my card on XX/XX/2020. I called on or about XX/XX/XXXX to have that amount applied to the " pay in full '' balance because we were trying to payoff the {$710.00}. We spoke with a representative that assured us that it would be applied to the pay in full balance. We also were assured that if we could afford it, we should call back and pay the other amount ( {$350.00} approx. ) and have that applied to pay in full balance after a couple days. We made that payment on XX/XX/2020. However, when I called to make have it applied to the pay in full balance on XX/XX/XXXX, we were told that neither would be applied to the pay in full balance. 

This is very upsetting, especially when we are short on money. We would have put the poney in an account and waited for the period to end so we are not hit with a $ 700+regular monthly bill. I would like both these payments applied to the pay in full balance to resolve this issue. 

American Express Issue ID provided is : XXXX XXXXRep ID XXXX is the person I spoke to on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo may be trying to scam American 's out of their money by creating false overdrafts. Why is the available account balance not shown at the time of each charge on statements? I call and they say something like, well I can't see what that balance was when you made that purchase. Charges had already showed as pending, adjusted my available balance, and future purchases were made after reviewing that balance, every time! Something is up here, they could be trying to bank on the fact that people won't complain due to pandemic difficulties and the fact that many didn't " work '' for the money. Bank blames it on retailer, retailer blames it on bank. 

Then they keep changing what the statement looks like. How did a charge from XXXX get divided in half! Weird, possibly criminal. Something is up, the fact that the statement changes and does not show available balance changes is suspect. 

The call to Wells Fargo Customer service was the last straw, the person tried to act like I am unable to see numbers and do math, as they quoted me some bunk math explanation.

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 2020-05-06 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: FL

Complaint narrative:
I am a victim of identity theft

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 2020-05-06 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: FL

Complaint narrative:
I am a victim of identity theft

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 2020-05-06 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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

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 2020-05-06 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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

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 2020-05-06 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX    XXXX {$5800.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$110000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: LA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX   XXXX {$300.00} XXXX XXXX XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$7000.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX XXXX XXXX XXXX {$7000.00}

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 2020-05-06 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: LA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX   XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$7000.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I applied with this credit union over two months ago and have provided ample documentation well past the point of identifying myself to the satisfaction of the Patriot Act. This discriminatory bank allows liars and cheats who scheme the system to open an account but my XXXX XXXX  name disqualifies me. 
They wouldnt turn down XXXX XXXX and his new child with their name nor would they deny XXXX XXXX who applies as XXXX. 
How do they suddenly get to be the naming party to decide my name isnt sufficient? This is racism at its finest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute attempted but Credit Agency ( Equifax ) still continues to report bankruptcy account incorrectly as ( late payment ) when account ( XXXX ) should only be listed/reported as regular account - for seven years from the date of bankruptcy coded as " discharged/included in bankruptcy/paid never late '' in the comments.

Equifax has failed to produce payment history for this account to substantiate any late payment because there was none. Grouping bankruptcy accounts with late payments is not only inaccurate but outright wrong! Especially when no history of late payments exists. This has ruined my financial standing on top of the already endured scarlet letter I carry from the initial bankruptcy. 
According to the FCRA : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
The information reflected on my credit report is not only incomplete and unverifiable but extremely inaccurate! I have NEVER missed a payment and was current on all accounts to the very day I filed for Chapter XXXX bankruptcy in XXXX of 2015. 
Failure to remove this account from the grouping of the late payment category is a direct violation of my rights under the FCRA as it is inaccurate, incomplete, and unverifiable. I served this country for 14 years to protect the rights of the American people and I damn sure did it to protect my own rights and freedoms.

I will no longer sit and be trapped financially because of a credit agency 's incompetency and failure to comply with Federal regulations. There should be a separation and distinction between actual late payments with bankruptcy and those who only have a bankruptcy discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: TN

Complaint narrative:
In XXXX I received a letter in the ail about a bankruptcy, but I didnt pay much attention to it because my names were misspelled and I knew I had never filed for a bankruptcy so i just left it alone. In XXXX I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XXXX and I was denied once again, I was not understanding why so I finally ask the salesman to show me my report and I wish I would of done this a long time ago. I was furious to kn ow I had accounts opened under my name that i never opened and even more shocked when i saw the bankruptcies. I have never filed for bankruptcy in my life. The things I am reporting from my credit do not belong to me. Please remove these things fro my report as soon as possible. XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have called for 3 months on getting these hard inquiries removed for my credit report on XXXX/XXXX XXXX/ synbc/syn/pay pal : They keep stating that they have not received anything from ( Paypal /Sync Paypal ), or SYNBC states they have sent an Electronic Deletion request to XXXX/ or they do not see any accounts with my name. It is wrong to keep giving the run around on hard working American Citizens that work for a good life. Please correct this and take it off my report. XXXX and Sync/Syncb need to have some type of responsibility to their short comings on customers credit/ lively hood. 

I spoke with ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ... 

XXXX ID # XXXX today XX/XX/XXXX and she said she is sending a letter or electronic letter of deletion to XXXX. 

Have XXXX/XXXX XXXX/ synbc/sync/pay pal Send me a letter of Deletion and Delete the following Fraudulent Hard Inquiries : SYNCB ( syncb XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/XXXX PayPal Via SyncPayPal ( SYNCB/PayPal ) PO box XXXX XXXX MD XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/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 2020-05-06 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: Conn's, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX I was verbally told over the phone by a rep at XXXX a collection agency for Conns that once the debt was settled, the debt would be removed from my credit report, that is not the case, I settled for XXXX on XX/XX/XXXX and the balance reported on XX/XX/XXXX shows I owe XXXX and another two credit bureau shows i owe over 3k which in turn has taken my score down over 115 points. This account is charged off and should not be reporting each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to withdraw {$900.00} from a Bank of America ATM with my XXXX card on XX/XX/2020 Sunday around XXXX and it didnt dispense nothing out of the ATM, no money, nothing. So I checked my account after and it said I did withdraw the {$900.00}. I called and made a claim on Monday XX/XX/2020. 
The location was XXXX XXXX XXXX is XXXX XXXX XXXX XXXX CA XXXX No update yet on the claim and I have been calling every day now.

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 2020-05-06 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander XXXX - This account should is reporting on my credit when I do not owe it as it is past the statute of limitations in Utah. This

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report. 

All inquiries names listed below in EXHIBIT B are fraudulent. These inquiries were pull without my knowledge, nor my permission. According to section 605B of the Fair Credit Reporting Act, those fraudulent inquiries names listed in EXHIBIT B are due to identity theft and shall be remove from my credit report

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 2020-05-06 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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Last XX/XX/2020 after first getting no response to my fax request from last XX/XX/2020, XXXX XXXX XXXX XXXX. ( c/o XXXX XXXX ) in Georgia over the phone assigned me a reference number XXXX for their technical department to confirm to me by e-mail within a week why they are not able to complete my online registration and refusal to allow American expats to give either a fax and/or online access which our SSA ( Social Security Administration ) redressed when I filed a complaint that without a US mobile number I could no longer have online access to my account to avoid discrimination and the SSA received other numerous complaints they got from the evaluated 9 millions Americans living abroad Further, last XX/XX/2020, since over the phone XXXX keeps not being able to identify me and had thus much difficulty transferring me to their Consumer Affairs Deot. I also filed over the phone with their Consumer affairs office in Georgia a second complaint today ( their ref. XXXX c/o XXXX XXXX ) that the additional financial questions based on the credit report received at my Us mailing address and generated by phone do not match what's on the credit report which as a result unable customer reps to see my files and thus also transfer me directly without delay to their Consumer Affairs dept. located in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
In short I have this issue with Chrysler for over 5 year. I purchased a vehicle in my early 20s,  a used XXXX. Having buyers remorse I returned the vehicle to the lot and was told that it would not effect my account or credit because it was not pass the first initial payment. Taking their word for it I delivered the car in great condition and gave them the keys. Month later and so on I am getting charged for the vehicle as if I still own the vehicle. However when I called and asked about the situation they were nasty about it and did not stand by their word and continued to charge me even after being sold ( the vehicle ). They refuse to take it off my report and I am not settling for anything more than the time I physically owned the vehicle. Less than a month which should be {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union XXXX - This debt is not valid. It was being delivered from a car dealership and the car never showed up. I do not owe this debt as I never took possession of the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: TN

Complaint narrative:
In XXXX I received a letter in the ail about a bankruptcy, but I didnt pay much attention to it because my names were misspelled and I knew I had never filed for a bankruptcy so i just left it alone. In XXXX I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XXXX and I was denied once again, I was not understanding why so I finally ask the salesman to show me my report and I wish I would of done this a long time ago. I was furious to kn ow I had accounts opened under my name that i never opened and even more shocked when i saw the bankruptcies. I have never filed for bankruptcy in my life. The things I am reporting from my credit do not belong to me. Please remove these things fro my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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