vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: FL

Complaint narrative:
I have sent numerous letters to Experian regarding the inaccuracy being reported under my XXXX XXXX account. What doesn't make sense is that IF the data furnisher is reporting this accurately for XXXX and XXXX, why isn't is being reported accurately for Experian. Also, after providing proof, Experian still hasn't done anything about it as per their obligation. The payment status is WRONG. The status should be Current as it was not late when the account was closed.

Also, XXXX has not addressed my complaint regarding my XXXX XXXX ( XXXX XXXX ). I challenged the account and Experian and XXXX removed it, but XXXX did not. How is it that the same account was challenged and resulted in different outcomes IF the account was investigated by the same data furnisher?

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 2020-07-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Last XX/XX/2020 Chase credit card put a hard inquiry in my XXXX and XXXX  file. I dont recognize this hard inquiry. I been trying to contact Chase to remove this hard inquiry from my XXXX  and XXXX file but the company dont give an answer about it. I ready call to XXXX  and they told i need to fi directly with the Issuer bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IN

Complaint narrative:
In XXXX of 2019, I received an email from a XXXX XXXX agent named XXXX XXXX regarding a matter concerning a XXXX XXXX XXXX from Georgia. My name is XXXX XXXX XXXX, not from Georgia. I soon noticed an increase in my auto insurance and insurance claims from previous years on my consumer reports for accidents Ive not been involved in. I attempted to reach out to XXXX XXXX ' office and never received a response. I also contacted Lexis Nexis and was told that my personal info was sold to them by XXXX XXXX and that XXXX XXXX would need to rectify the matter. I've tried various means of rectifying this over the last year, including contacting XXXX XXXX directly but I'm always given the run around. Someone, either XXXX XXXX or Lexis Nexis,  owes me for the extra money Ive had to spend on auto insurance and whatever else has been impacted from this false data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: OR

Complaint narrative:
I paid off my loan for a XXXX XXXX in XXXX. I am unsure of the exact date I paid off the loan, the loan was through Gateway one lending. 

Gateway one informed me that they sent a statement that the loan was paid in full, so that I could obtain the title. I never received this statement. I asked for it a second time, in XXXX. I never received it. Then after I moved to oregon, I asked them to send another copy of this as they clearly weren't sending the proof that my loan was paid in full. I asked them to send it by certified mail, they did not. My change of address form was fully filled out, and all of my other mail has successfully been delivered at my new address, with the exception of information from this one specific lender. 

Then Gateway one was purchased by another bank, Santander. I do not have an account with Santander, I am unable to open an account with Santander, and despite attempting to contact them by phone, I am unable to reach a single human to speak with for the past 2 days. 

When you navigate their phone service at Santander, it is literally impossible to find the correct combination of options to speak with an actual human body. I highly suggest your organization attempt to navigate their phone tree, this will be highly educational : Their title line is XXXX and their main line is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I took out a payday loan with Cash Call back in XXXX. I defaulted on the loan because the payments were high and I could no longer afford to pay it. The interest rate was astronomical. I believe it was 126 %, but I'm not too sure, as that was almost 20 years ago now. 

The debt was then purchased by XXXX, XXXX XXXX XXXX XXXX has obtained judgment against me and now they say I owe {$7500.00}, even though the loan I took out was for {$2500.00}. They constantly call me, and my relatives, asking where I'm located so that they can serve me with court documents. I was afraid, so I called them back and made a payment plan of XXXX XXXX/month as that's all I could afford. I began doing some research, and the state of California, where I live, used Cash Call due to it's predatory loan practices and high interest rates. Cash Call was ordered to pay fines and also to repay some if it's consumers who had taken out the predatory loans. I believe I fall in this category, this debt is almost 20 years old and it's not fair that I have to pay back almost triple the amount of the loan.

I tried to settle with them for {$2500.00}, the original loan amount, but XXXX, XXXX Will not settle with me. They'd rather garnish my wages during a time that Covid-19 is happening. They are harassing me, and won't allow me to settle for a lesser amount. They are also threatening to garnish my wages in XXXX for a XXXX debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them 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 2020-07-02 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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them 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 2020-07-02 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: GA

Complaint narrative:
I made an online purchase at XXXX XXXX in XX/XX/2020, They said it would be curbside pickup. When I arrived at the store I called the pickup desk and was told my order would be out shortly. after waiting for 30 minutes I went into the store and pulled one of the items I ordered off the shelf and paid at the register. When I was walking to the register a employee ( wearing no name or apron ) asked my name and about my order. I said I would pay for what I had and asked her to cancel the online order. The charge is still on my statement today. I can not reach the credit card company by phone or text, which is how I always contacted them. When I emailed them I was told to call the customer service number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I contacted Capital One at the advice of XXXX  to have them request to have a credit card account added back to my credit report. A supervisor from Capital One stated that they don't work for XXXX  and that they do not send requests. He stated that XXXX  is responsible for adding the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I tried to send money to my friend of XXXX dollars and it kept declining which it never does in the past. After that I said probably it will work if I send it through bitcoin but it also didnt work. After I sold my bitcoin and tried to withdraw my money, it locked my account. I tried emailing them 10 times but they never responded and I have money still in the app which I cant get out. THIS IS CASH APP and they are trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have never opened and or signed for the note loan under the account number in question with XXXX  that is being reported on XXXX and TRANSUNION. When notifying XXXX of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX XXXX  and TRANSUNION. 

I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX deleted the information while XXXX and TRANSUNION verified the differing information as accurate and continued to report the information in spite of my request for its deletion. 

In the month of XXXX XXXX reported to XXXX and TRANSUNION that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified XXXX XXXX and TRANSUNION that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting. 

XXXX, XXXX and TRANSUNION continue to report this account with a balance of {$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
Consumer complaint received 2020-07-02 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:
I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BCAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AN DNED TO BE DELETED FROM MY CREDIT REPORT. XXXX  XXXX {$850.00} XXXX  XXXX {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NJ

Complaint narrative:
For account XXXX  XXXX that is reporting on my credit report I have sent multiple letters to XXXX , Equifax , and XXXX to investigate the inaccurate reporting and they send me letters back stating that the account is reporting 100 % accurately and that it has been verified ... .how is this even possible when there are still multiple violations on the reporting of this account. for one they never even added a comment stating that this account is under dispute, as stated by the law ... .... 2nd look at the 2 year payment history all 3 bureaus are all over the place in the reporting and different. they are all reporting a different date of last active and date of last payment. the credit limits are reported different, the high credit are different, the comments are all different. How can they even pretend that they investigated this account when all of these violations are are still reporting they never investigated this account is the answer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NJ

Complaint narrative:
For account XXXX XXXX that is reporting on my credit report I have sent multiple letters to XXXX XXXX XXXX XXXX and experian to investigate the inaccurate reporting and they send me letters back stating that the account is reporting 100 % accurately and that it has been verified ... .how is this even possible when there are still multiple violations on the reporting of this account. for one they never even added a comment stating that this account is under dispute, as stated by the law ... .... 2nd look at the 2 year payment history all 3 bureaus are all over the place in the reporting and different. they are all reporting a different date of last active and date of last payment. the credit limits are reported different, the high credit are different, the comments are all different. How can they even pretend that they investigated this account when all of these violations are are still reporting they never investigated this account is the answer

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 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
During XXXX of XXXX {$65000.00} disappeared from my account. I talk to the representatives on several occasions, but they could not find out about the account. The representative that open my account was no longer there. I was a XXXX  and I had a donation that was given to my Church. 
However, my Mother passed away, and some how the individuals that she took care of in her home ( XXXX XXXX  ) was confused and considered as family members. After several times going to the bank, they stated that they had been threaten ; therefore it was necessary to go to the corporate office. Hence, I called the corporate office and told them about the incident, and that each time I go to the bank, I was being followed, with the bank representatives feeling the same. The corporate office stated that they would do an investigation, however, I have not heard or received my funds that were donated to my Church at the time. I have lost my Church and the money. 
Additionally, my funds were being diverted to someone else in the bank which is the same family that stole my funds. I would pay my electric bill with my stipend check while in graduate school, and each time my bill would not be paid and the money would disappear. The attorney general placed a watch group over my XXXX XXXX XXXX and they stated that each time that I would pay my electric bill, the payment would disappear. My bank account was with PNC ; therefore I suffered living with no electric and experiencing detriment to my health. 
I continued depositing my check, when I would receive my stipend, because I did not know what was going on. However, one of the bank tellers would not deposit my check, and I could not understand why ; and found that when I cashed my check ( I put the money on a card ) and paid my bills with cash, the money was not stolen. 

PNC Bank at XXXX XXXX XXXX, XXXX, KY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BCAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AN DNED TO BE DELETED FROM MY CREDIT REPORT. XXXX XXXXXXXX {$850.00} XXXX XXXX {$490.00}

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 2020-07-02 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 HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BCAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AN DNED TO BE DELETED FROM MY CREDIT REPORT. XXXX  XXXX {$850.00} XXXX XXXX {$490.00}

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Wayfair Comenity Bank offers promotional financing with 0 percent interest for 12 months. I recently made a payment to satisfy the outstanding balance on one of these offers in addition to my regular monthly payment. When i looked at my account in the new billing cycle, the payment was not posted to my account and instead was applied to my other revolving balance. When I contacted Comenity, I was informed that the payment had been applied to my highest apr balance, and therefore not to my promotional balance. The account summary on the website is as follows : Promotional Plans Plan 406 - 2 6 MONTHS DEFERRED INTEREST, PAYMENT REQUIRED Remaining Balance {$220.00} Expiration Date XX/XX/2020 To avoid additional finance charges, make sure to pay each promotional plans remaining balance before its expiration date. 

I made the {$220.00} payment to the account in addition to my regular monthly payment per my statement. The {$220.00} was not applied to this balance. It was applied to my outstanding balance at the highest apr. How misleading. When i called the representative said she would have to make sure that our minimum payments had been met before she could move the balance I asked if I made a payment toward the next plan if it would apply when i also made the minimum payment. She said she was unsure and that i would have to call after the billing cycle to see how it was applied. Her best recommendation was to look at my credit card agreement. Other similar accounts at XXXX XXXX  are handled fairly. This seems like a highly deceptive practice. Basically, the bank is counting on you not paying any attention. 

I also reviewed my latest billing statement. It also has lots of details on the promotional plan and many disclosures, however, no mention of this payment disbursement practice. 


Thank you, XXXX XXXX XXXX : I have include

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I found out that my identity information was stolen and was opened a fraudulent account by Bank of America. I submitted the POLICE REPORT from the XXXX Police Department and FTC Identity theft report to the credit reporting agencies and Bank of America. XXXX, XXXX, and XXXX have deleted this fraudulent account from my credit report but recently, I discovered that the credit bureaus reinserted this fraudulent account back to my credit report without sending me any notification. 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