vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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: OR

Complaint narrative:
I am writing to file a complaint about Experian. I am preparing to buy a house. On XX/XX/2019, my lender ran a credit report and found a fraudulent charge. XXXX XXXX XXXX claimed I had an outstanding bill to XXXX of {$5500.00} that was sent to the collection agency. I have never used XXXX. I disputed it, thinking it would be simple for them to investigate and close, considering I have never used the service. On XX/XX/2019, I received a message from Experian saying that the charge is accurate. I don't know how to prove that it isn't, considering I have no knowledge of this account, I've never used XXXX, and the charge is not mine. I very much need this fraudulent charge removed 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 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Rentdebt Automated Collections They did not notify me of an alleged debt for collection with their company. The debt was for apartment move-out damages. 
They never sent notification to my known forwarding address, email or called me. If it was move-out damages, how could I still be living there. 

They Listed the debt on my credit report and did not provide verification of debt when requested. 

They did not remove the collection from my credit report and continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Over 12 years ago, I had a checking account with Wachovia Bank. I had several outstanding Payday loans, which became overwhelming. I quickly became overdrawn with the bank and received multiple charges for being overdrawn. It became so bad that I my entire check, which was direct deposited, was getting taken by these charges. I went to the bank and told them my problem and asked to close the account so that I could deal with the loans. The bank refused to close my account and continued to amass fees which totaled over XXXX XXXX XXXX.  I, finally, stopped my check from being deposited to Wachovia. The continued to bill me these charges until the payday loan companies stopped attempting to collect from them. Now, I am being threatened XXXX XXXX XXXX XXXX for {$2200.00} I had talked many times with Wachovia over ten years ago about trying to explain this billing which I felt was excessive and illegal. They took XXXX XXXXXXXX in my total paychecks when my account was open with them. I feel that I have overpaid them already and should have debt collection agency bothering me again.

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 2019-07-25 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: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: Resolve Partners, LLC
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called XXXX and spoke to a supervisor named XXXX XXXX who refused to help me with my unauthorized inquiries that he could not remove any inquiry even if they are not authorized so I need these inquiries removed that were not authorized XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
I started receiving letters and phone calls from Portfolio Recovery Associates in XX/XX/XXXX. I wrote the company to inform it that I did not have debt and to cease contacting me in XX/XX/XXXX. I also informed the company over the phone that it was contacting the incorrect person in XX/XX/XXXX. In XX/XX/XXXX, the calls resumed and the company also calls my wife. I have never had the debt Portfolio Recovery Associates claims I have and my credit report reflects that I do not own the debt I keep receiving calls about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 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: AZ

Complaint narrative:
I initially filed a dispute of my mortgage account because it was reported as opened when it was already closed and paid in full. This information was subsequently updated, but after the update an " H '' code was added indicating that the loan had foreclosure initiated. This was a home mortgage with XXXX XXXX, XXXX. I tried contacting XXXX XXXX to correct this issue as I was lead to believe by Equifax that XXXX XXXX had reported this information to them. I filed a complaint against XXXX XXXX and they responded in writing that they never reported to Equifax that my loan had foreclosure initiated. They provided control numbers and written documentation of what they reported to Equifax. I then reached out to Equifax to try to resolve this issue as it now appeared that this was a data entry error on their end. They then advised they would not correct this issue unless I sent a letter and all of my documentation even though they confirmed they had the information in their system. I tried to print a copy of the dispute results from their site and had difficulty and had to call again to try to get access to that letter as they had never mailed a copy, they only offered electronic delivery which was not working. I tried to escalate the issue to a supervisor explaining everything that transpired and she then advised that even if I submit this information they will not correct it as they are stating the XXXX XXXX has placed a freeze on the account and that prevents them from correcting this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: FL

Complaint narrative:
I found employment on XXXX with a company name XXXX XXXX XXXX XXXX. As a XXXX XXXX. I was advised that I would be doing training and exams for a whole month XXXX. During that time I received reading material and tests via email. 
On XX/XX/XXXX, I was assigned a purchase order, were XXXX deposit money on two of my credit cards XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, a total of US {$7000.00}. One of my credit cards was paid US {$4600.00} and the other credit card US {$2300.00}. 
After receiving the payment and saw that it was showing on my account I decided to verify with my bank, JP Chase Morgan, that everything was good with my payment. I called my bank on XX/XX/XXXX around XXXX XXXX and one of their representatives told me the money and the transaction was in good statement that I can proceed. 
After verifying with my bank and they said to proceed with the purchase I went and fulfilled the purchase order and send it where I was ordered to. 
Three days later ,XX/XX/XXXX, I noticed that the money was removed from my credit cards account leaving me with the debt of the purchase order amount {$6400.00} plus {$400.00} that I was supposed to get paid for the time. 
After seeing this I was very concerned and called my bank because the ONLY REASON why I did the purchase order was because my bank told me that everything was ok with the transaction, I trusted them since I was with Chase Bank since XXXX. 
I got scammed because I trust my bank and now they, Chase, want to make me responsible for an amount of money that I didnt used and instead of they try to help me they decided to close all my credit cards including my business account as well, when I have always been a good customer of than and never had a late payment or any type of issues. 
I made a police report, the case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2019 at XXXX I requested a credit line increase from CITI on my credit card ending in XXXX. At the time of the request it stated " We will not obtain a credit bureau report to your request. XX/XX/2019 XXXX I received a email from credit karma telling a hard inquiry was just pulled on Equifax . I looked at my Equifax credit report and it showed Citi had pulled my credit report without my permission. I called Citi XX/XX/2019 at XXXX spoke to XXXX who said they wouldn't do that. I asked to speak with a supervisor, was told one wasn't available and I would get a call back. I never did receive a call back. Citi has no right to pull my credit report without my permission and I never gave them permission.

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 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: DC

Complaint narrative:
XX/XX/2019 : After noticing my monies were transferred to a cash app debit card I XXXX cash apps number ( XXXX ). A rep answered the phone Cash App and proceeded to help me transfer the monies from the cash app debit card ( which I have never had a cash app debit card or number ) to my debit card linked to my banking account. While trying to help me I was told I had to log out of my account but would be able to get back in. Once I logged out ( $ XXXX ) I was not able to get in cash app and dont know where the monies are currently. I need help in locating where the money is and either deposited into my account or refunded back to the sender. This matter has been an inconvenience and am very disgusted with this process ( this is the email I sent to cash app ). 
AFTER A FEW EMAIL EXCHANGES, they sent me this email Cash Support XXXX Sun XX/XX/2019 XXXX XXXX You Hello, Thank you for providing the requested information. We completed our investigation and determined your account to be compromised based on the information provided to the third party. To prevent further unauthorized transactions we have elected to close the compromised Cash App account. 
To regain access to your original account, you need to open a new Cash App account. Once created, we will grant you access to your original account information. 
Once you successfully create a new account please reply directly to this email with : Your new XXXX Photo of your current government-issued ID ( drivers license or passport ) Your current Cash App login device make and model We want to resolve this matter for you as quickly as possible, and with the required information ( your new XXXX and ID ), we can complete your reimbursement. 
We greatly appreciate your patience and cooperation. Please let me know if you have additional questions. 

Thank you, XXXX XXXX Support Still haven't received the {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX of XXXX, Equifax experienced a data breach, which impacted the personal information of myself. I have inaccurate information on my credit report and I would like it removed within 15 days. I am requesting a letter of all removed information. 

Inquires : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have not used this card since XX/XX/XXXX, paying the balance in full on XX/XX/XXXX. When I logged in on XX/XX/XXXX to see that everything was in order, I saw a balance of {$150.00} and a notice that my account was " past due. '' The accrued charges include several from a fraudulent company called XXXX, who I first reported and disputed on XX/XX/XXXX. American Express decided the dispute in my favor and acknowledged the charge was fraudulent, but DID NOT replace my card or change my number, and failed to block future charges as I was charged again the next month. After much correspondence, American Express finally agree to block this company, yet now it seems I have continued to be charged and American Express has apparently reported me for late payment at their own error. The charges also included fees, due to the banks own error, and an additional fraudulent charge using my card - likely initiated by this same company. Since XX/XX/XXXX I have repeatedly attempted to dispute the charges and report the fraud, but have " encountered an error ' on every single attempt and have been put on ridiculously long holds every time I've tried calling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I recorded Regional Acceptance Corporation 's abusive phone calls to me. 
Fri, XX/XX/2016, XXXX XXXX  to me First Threat Call Since Predatory Loan, my fighting it and being charged off. 
The above listed is the e mail storage of the second round of calls and my notation. The first round of calls and my confronting them with the fact that " at XXXX per call that I could continue to record them and use that to pay the car off '', was the reason that management agreed to let me make " good faith " payments in the first instance. 
The company responded deceptively regarding this in an earlier response to CFPB.

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 2019-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
2016 Hyundai leased through Hyundai Finance was involved in an accident in XX/XX/XXXX. It was declared a total loss by the insurance company, who sent a check for the total cash value of the vehicle, less a {$500.00} deductible as expected. 

All Hyundai leases include gap insurance that is advertised to cover the difference between the value of the insurance settlement and the payoff amount, including the insurance deductible up to {$1000.00}. 

XXXX XXXX XXXX offers a description of the coverage. 

I had also made the lease payment for the month of XXXX prior to the date of vehicle loss, and am expecting that to be refunded. 

I received a letter in XX/XX/XXXX with a summary indicating that I was liable for the {$500.00} deductible. I called Hyundai Finance asking for an explanation why they charged me for deductible since it is covered by their gap insurance. They said they would get back to me with an explanation. I did not receive any correspondence or calls since then and assumed it was settled. 

Today I noticed a decrease in my credit score. I pulled copies of my reports and found that Hyundai Finance had listed this lease account as closed with a {$290.00} charge off. 

The account should be credited for the {$500.00} deductible and the {$200.00} over payment refunded to me. The false charge off needs to be removed from my credit reports. 

This is the quoted referenced text from the Hyundai Finance gap insurance description : Our GAP is the best way to avoidgaps. 
If your car is totaled or stolen, it can be a devastating experience, especially if you're still making payments on it. And to make matters worse, the amount your insurance company pays in the event of a total loss may be less than the amount you still owe. This, plus your deductible, can create a significant gap between what your insurer pays and the amount you owe on your vehicle. Our Guaranteed Asset Protection ( GAP ) waives the difference between your primary insurance settlement and the outstanding balance on your vehicle 's financing, subject to terms and conditions of the program. 
GAP helps cover the difference Hyundai Protection Plan GAP protects you with these value-added benefits : Available on loan amounts up to 150 % of your vehicle 's MSRP, up to {>= $1,000,000} Covers your insurance deductible up to {$1000.00} ( not available in all states ) Waives covered losses up to {$50000.00} :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: Credit Plus Inc
State: DC

Complaint narrative:
In XXXX I filled out an application for a Pre Approva letter for a mortagage and never completed the application process and on XX/XX/2019 I received credit alerts that I had a new Inquiry to my credit report. Credit Plus pulled my credit report without my consent. The application was never completed and I never authorized for my credit report to be pulled, they pulled my credit report and it had a major impact on my credit score with all 3 credit bureau 's. I have called the XXXXXXXX XXXX who I started the application process with and I have sent an email to Credit Plus who pulled the hard inquiry and still have not received a response.

Company response to consumer: Closed with explanation