vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 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: CO

Complaint narrative:
On XX/XX/2020, I attempted to request the removal of my " credit freeze '' with Experian and was not able to due to incorrect pin. 

Therefore, I was directed on the website to send documents that verify my identity with a request to remove the freeze from my report. The site stated it would take 3 business days to remove. 

I sent the requested documents and information via 2-day priority on XXXX and confirmed their receipt on XX/XX/2020 at XXXX at their designated site. My package was signed by XXXX. 

As of today, my credit continues to show a " credit freeze '' and I am not able to apply for a mortgage loan.

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 2020-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VW Credit
State: CA

Complaint narrative:
I had a lease with VW Credit started in XXXX. XX/XX/XXXX I decided to sell the car to XXXX XXXX. They did all the paperwork early XXXX My payment that was due on XX/XX/XXXX still came out of my account, although for days I did multiple attempts to reach VW Credit with no luck. At the end of XXXX I finally got somebody on the phone and they said that the XXXX payment will be refunded and I just need to cancel the auto-pay so I did. Today I received a notice from XXXX saying that my XXXX payment is past due and I owe an upcoming payment as well. Although the person on the phone I told me that that was not the case and they had already received the paperwork from XXXX XXXX. 

Again, I tried to message VW Credit again with no luck. My fear is this would affect my credit. Is it possible to reach out to them to cancel the payments and give me my money back for XXXX? Reaching out to them has no luck at all and they even acknowledged all paperwork was received. 

Thanks for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I try to open a credit card with Capitol one but they deny it because someone open a account under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: AMERICA FIRST FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a visa credit card that I have to call and make a payment on every month because seeing the amount owed is not available through the website so I called to make my payment and the representative told me a payment due amount of a dollar short and then that {$1.00} went 30 days delinquent because I was under the impression the representative gave me the correct payment amount and didnt get written notification in the mail until after they already reported it delinquent to my credit which brought my score down by 80 points. Ive called twice since to let them know it happened and they both times have said oh no that stinks visa does that sometimes. and did not offer to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TradeStation Group, Inc.
State: CA

Complaint narrative:
I want to close my Tradestation account and liquidate my funds back to my checking account. Tradestation is not closing my contract with them. They wanted my driver license, which I provided. Then they wanted a selfie with me holding my driver license in which I do not feel comfortable doing due to privacy and data concerns. Nowhere in their terms of use and contract does it say that selfies are required. I am no longer wanting to do business with them and they are holding my money XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They show a XXXX XXXX XXXX  account XXXX XXXX '' and I filed a dispute and they said it is my debt and I have never dealt with a XXXX 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 explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: WY

Complaint narrative:
My medical account was allegedly transferred to a collection company. The medical company says they sent me a letter, but I have not received it. The collection company has refused to provide proof that they have been hired to collect the debt and claim no such proof exists. They have stated I owe more than I do, I've shared the cancelled checks with them showing proof of payments, but they have ( so far ) refused to adjust the amount they claim is due. The medical company agrees with my tally of the amount due but the collection company stands their ground at the higher amount. 

There are incidents of unprofessional phone communications, including talking over my questions and stating they could not speak with me further due to needing to return to XXXX XXXX duties..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
There is a debt on my credit report for {$340.00} from a company called S.W credit systems.I have no idea what this is from.or why it is on my credit.I have never done any sort of business with this company. I tried looking up the company 's number and called the number I found but couldn't get through to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax says I have a XXXX XXXX XXXX XXXX XXXXXXXX account debt and I have never dealt with this bank and never had TXXXX XXXX and after repeated disputes they fail to remove it. It is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX {$500.00} XX/XX/2018 XXXX XXXX  XXXX {$230.00} XX/XX/2018 I have never done business with this company.

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 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MECHANICS BANK
State: NV

Complaint narrative:
I co signed for my daughter at XXXX XXXX and Now I have unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
For years, I have been paying all of my loans through a single payment. I have three loans. On XX/XX/XXXX, I paid {$1000.00} for my loan payments which is considerably more than the sum of the three loan amounts due. The due date for the loans was XX/XX/XXXX. I have been paying with this methodology for several years. 

For some reason, this time Navient did not apply this payment to one of my three loans. 

Upon researching this I have found that they have been charging me late fees for years on loans that I have paid in this manner. Note, I overpay so that I will not be late in future months. 

Again, they have charged me a late fee. In addition, they have listed my account as past due. 

I am including three documents listing the due dates of the loans and the payment date. Please note that in the two payment histories I am providing, the dates coincide up to 2016. For some reason, they have no history for one of the loans of any payment for 4 years.It was 4 years ago when they consolidated all of the loans to a single payment. There must be some glitch in their system now. However, I have had other problems with Navient in the past, I am no longer willing to forgive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The account was paid in full and i would like the account removed from my credit report - it is listed as a derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account was paid in full and i would like the account removed from my credit report - it is listed as a derogatory 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 non-monetary relief
Consumer complaint received 2020-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account was paid in full and i would like the account removed from my credit report - it is listed as a derogatory 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 2020-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am receiving bills for an account that I do not have and for purchases that I have not made : Synchrony Bank XXXX. XXXX XXXX XXXX, Fl XXXX. 
XXXX I am receiving bills in the amount of {$4400.00} with an account ending in XXXX. I do not have an account with PayPal or Synchrony Bank. I have not made any purchases. I believe this to be fraudulent. The phone contact wants my Social Security number. I refuse to give them any information. 

Please investigate.

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 2020-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, I've used Pay Pal to pay for products / services ... They NEVER honor my request for a return of funds when products / services are not delivered. They ALWAYS side with dishonorable companies and force one to go to their personal bank to resolve .. PLEASE look into this, I thought they had to have insurance for this sort of FRAUD but they NEVER regardless of amount or incident return your money. I have things not show up, not be delivered and every time I try to resolve they either ignore the request or side unreasonably with the fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I opened a checking and savings account with Citibank back in XXXX. As of XXXX, I didn't need the accounts anymore. 

XX/XX/2020 : The transfers to get my accounts down to a {$0.00} posted to my accounts. I started a chat session through the app requesting a closure of both accounts. The agent told me the accounts would be closed and I'd get a confirmation. 

XX/XX/2020 : When I never got the confirmation, I logged back in to check on the accounts. I could still see both accounts. The checking account said it had been closed, but the savings appeared to be open. I started another chat and the agent told me they submitted another request for the savings account to be closed. 

XX/XX/2020 : Same thing happened, I never got the closure confirmation, I checked, and the account was still open. I requested a closure, the representative told me I'd get the letter in 24 hours. 

XX/XX/2020 : When I still didn't receive confirmation, I called the customer service line. The representative said she would close the account, and that I'd get confirmation and lose access to online banking. 

XX/XX/2020 : I tried logging in to see if I'd lost access and could still log in. I called again. They said they submitted a request for the account to be closed. This representative said that sometimes accounts don't close because of interest paid to the customer being posted to the account. Since I had a {$0.00} balance they said my accounts should definitely close by Monday ( XX/XX/2020 ) and I'd get a letter in the mail no later than XX/XX/2020. 

XX/XX/2020 : I got a notification from the Citibank mobile app that {$0.00} posted to my account on XX/XX/2020. 

I have completely lost faith that these closure requests will do anything and I am concerned I'll be charged fees for my account being open for this long without maintaining the minimum balance to avoid fees.

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 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: TX

Complaint narrative:
I am XXXX XXXX  whose account been put on hold. Well as XXXXl I am now the XXXX over the Trust of XXXX XXXX XXXX and his estate. So therefore XXXX has no right to continue to defame him on a false charge. It should be stricken from the Record cuz that account is no longer public but PRIVATE. Please remove this from the records so I can get my economic expenses back in order. I have trust, EIN Estate & Trust to prove what I am saying & I'm in the XXXX XXXX listed as a XXXX American. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
A company with the name XXXX XXXX XXXX XXXX , XXXX got a BUSINESS credit card from Chase in XXXX, for which I signed a personal guarantee. 

The company could not afford to pay the card any longer so I would have to pay the dues. 
I send a letter asking regarding this matter on XX/XX/XXXX to Chase and got a respond XX/XX/XXXX!! About six to seven weeks later!! That is an error on the side of Chase!! 

Obviously i stopped paying the dues at that time since I did not know if I would be liable or not. 

In XXXX, Chase went to the credit bureaus and reported, one sided, that this account ending in XXXX was past due and now closed. This without any contact with me. My credit score dropped 150 points!! My payment record history is excellent. 

This case went on, after many phone calls and letters to the executive office of Chase in Ohio to no avail in XX/XX/XXXX. Till today, XX/XX/XXXX case is not resolved. 

My request to Chase is simple : Write a goodwill adjustment letter, send it to the credit bureau and i will not only pay the overdue portion, i will pay the card off in full in one shot {$24000.00}. The money is in my bank account at another bank so i have no problem to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, to whom this may concern my name is XXXX XXXX. I am unable to open a checking account due to fraud reported on XXXX about 5 years ago by Bank Of America. I have called them several time trying I get this resolved but it keep getting the runaround. My account was hacked into 5 years ago I caught it and immediately contacted the bank I did not make a police report because I didnt know who had done the customer service rep stated that it was transaction from a different location meaning another state. Any how from that I am unable to open a checking account to start my XXXX. Bank of America send me the checks that was deposited into my account but I no longer have that information. They close my personal account but not my XXXX 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 non-monetary relief
Consumer complaint received 2020-09-19 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: Rocket Mortgage, LLC
State: GA

Complaint narrative:
On XX/XX/2020, XXXX XXXX from Quicken Loans pulled my credit without my permission. Now it is on my credit report as a hard inquiry, and I wish for it to be removed. Furthermore, XXXX XXXX should be investigated for possible fraud or identity theft since his actions were against the law. 

Here 's his information : XXXX XXXX Quicken Loans Phone : ( XXXX ) XXXX NMLS # XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Unable to access savings account from Goldman Sachs bank, two seperate accounts opened over 2 years ago, Bank refuses to provide information on the accounts without a set password that I do not know. I would like to withdraw the money in both accounts and close any and all dealings with Goldman Sachs.  letter received was titled " Marcus by Goldman Sachs. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A company with the name XXXX XXXX XXXX XXXX , XXXX got a BUSINESS credit card from XXXX in XXXX, for which I signed a personal guarantee. 

The company could not afford to pay the card any longer so I would have to pay the dues. 
I send a letter asking regarding this matter on XX/XX/XXXX to XXXX and got a respond XX/XX/XXXX!! About six to seven weeks later!! That is an error on the side of XXXX!! 

Obviously i stopped paying the dues at that time since I did not know if I would be liable or not. 

In XXXX, XXXX went to the credit bureaus and reported, one sided, that this account ending in XXXX was past due and now closed. This without any contact with me. My credit score dropped 150 points!! My payment record history is excellent. 

This case went on, after many phone calls and letters to the executive office of XXXX in Ohio to no avail in XX/XX/XXXX. Till today, XX/XX/XXXX case is not resolved. 

My request to XXXX is simple : Write a goodwill adjustment letter, send it to the credit bureau and i will not only pay the overdue portion, i will pay the card off in full in one shot {$24000.00}. The money is in my bank account at another bank so i have no problem to pay.

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