vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
FINAL ATTEMPT NEXT STEP TAKING IT TO COURT .. 

I SIGNED A 60 month term. 5 years XXXX $ monthly at 20.9 interest rate. For a XXXX XXXX XXXX. Price a little over 24k signed on XX/XX/XXXX. Here it is. XX/XX/XXXX with a balance a Little over 17k still really? I know I have been late but if u go back and look at payments history I paid over XXXX  $ to cover late fees. On top of that I was informed I differed 10 times of course I did the system was setting me up to fail. So now maturity date changed to XX/XX/XXXX. Now lets do the math XXXX including late fees we will be going way into late XXXX so in reality a 5 year contract turned into a 7 year contract. Even with 15 payments remaining at XXXX $ MONTHLY. INCLUDE ALL LATE PAYMENTS INCLUDE PAST DUE PAYMENTS. IT STILL ADDS UP XXXX dollars BELOW XXXX what I supposedly still owe do the math

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Richmond, Inc.
State: PA

Complaint narrative:
Finance system of richmond called me in a rude tone and I refused to take the call, I asked for name and address and the lady hung up the phone. they company then listed two medical debts on my credit file without even sending a notice to dispute. I sent a debt validation to the company and they sent me a typed up bill, I later sent another notice and the company ignored me. I complained to the XXXX and the company sent the XXXX  a bill with medical procedures and procedure codes which displayed what type of medical service was performed which is a violation of hippa. I will attach all the files I sent to the company and the XXXX  and the companies response of not investigating my disputes but will still report to the credit bureaus. Debt collectors engage in fraud and violations why would I send any information to them. The burden of proof is on them to provide debt validation which is a original contract between the debt collector and I or the debt collector and the original creditor and an account number linking me to the debt. I looked up the procedure code which was listed and figured out what procedure was done. this company needs to remove this debt from my credit file and send it back where they got it frim because they will be liable for damages. I have attached the companies response to the XXXX  with all information and procedure codes and my two debt validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed with Equifax about getting these inquiries removed because the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. 

1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX. XXXX XXXX L 10. XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX I need these removed as soon as possible. I had no problem with XXXX   removing them. Please help me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can not connect to finance apps that use XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2020 I was alerted by SunTrust Bank of a suspicious charge to my credit card in the amount of {$120.00} at XXXX. I did not get gas there and it appears my card was skimmed at my local XXXX gas station in XXXX, Florida. I called the Suntrust customer service center which answered in the XXXX. I have spent 6 months on this case. My claim was denied several times until I sent an e mail to the CEO of Suntrust bank. Finally his assistant XXXX XXXX, ( XXXX ) XXXX advised me today that I will be getting a partial credit in the amount of {$89.00} but NOT the entire amount. I never charged {$35.00} at XXXX or any amount there. 
I have worked with my local SunTrust Bank with a woman named XXXX ( XXXX ) XXXX who has tried to help me with the incompetent Suntrust fraud department for 6 months. 

Suntrust credited me {$89.00} on XX/XX/2020 and then revoked that amount on XX/XX/2020 after their investigation. About 2 weeks ago I was told by XXXX XXXX ( XXXX ) XXXX that my claim was denied. It wasnt until I emailed the CEO of Suntrust Mr XXXX that I got some help Yet, they are only giving me a partial credit. They were the ones who initially advised me about the suspicious charge to me credit card. Yet they wont give me the full amount. I am a senior citizen and this has been very stressful for what should have been a simple matter. The fraud department of Suntrust has been very incompetent

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 2020-07-13 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: Lending Club Corp
State: AZ

Complaint narrative:
This company has been asked several times to provide signed loan documents or other proof of debt. I have sent them notifications and requests and without providing any proof they keep reporting this debt on my credit reports. I am not sure of the amount but they are reporting a charge off. Since they have been unable to provide any valid proof of debt I would like the company to delete this derogatory information from my XXXX, XXXX  and XXXX. This has been reported as FTC Identity theft number XXXX and the company has been provided with a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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:
XX/XX/2020 I submitted a written 609 complaint to Experian regarding 2 collection accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) AFTER I had been disputing with EXPERIAN regarding the same collections, which had been removed from my account ... .now under the new names listed above. 

XX/XX/2020 I received an email from Experian regarding their investigation which ( Experian stated ) came back verified as my account XX/XX/2020 I sent a 623 letter to XXXX XXXX regarding the alleged debt XX/XX/2020 I sent a " second '' request to Experian in a 611 letter with no reply XX/XX/2020 I receive a letter from XXXX XXXX stating that there is NO ACCOUNT BELONGING to me and per XXXX XXXX " A REQUEST HAS BEEN MADE TO REMOVE THE INFORMATION FROM MY REPORT '' On XX/XX/XXXX I receive the most ridiculous reply from Experian and I quote : It didn't " appear '' that I was the one disputing '' so they ( Experian ) decided to do nothing, meanwhile my credit is taking a nose dive due to inaccurate reporting.

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 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint because Chase decreased my credit limit for no reason on both of my credit cards which in turn killed my credit score! I was carrying a balance of not more than 25 % percent of my credit limit on both my chase sapphire reserve card ending in XXXX, as well as my chase southwest card ending in XXXX. Chase lowered the limit on both of these cards to my balance, bringing my utilization to almost 100 % on both cards, lowering my credit score over XXXX points and hindering me from doing anything with my credit! Especially in times like these with the covid-19 situation I need my credit back the way it was in case I need it for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-13 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: AZ

Complaint narrative:
I have been 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 2020-07-13 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: AZ

Complaint narrative:
I have been 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 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was notified in mid-XX/XX/2020 that I was going to be laid off from my company due to COVID-19. As a result of the personal issues caused by the layoff notification, I missed a minimum payment of roughly {$35.00} to Chase on my credit card and it was reported on my credit report as 30 days late ( the only negative item on my credit report from Chase Bank ). Please note, I did attempt to log in once at the beginning of XXXX to see if I had any balance, but I received a system error multiple times when attempting to log in. I did not receive a notice of any overdue payment via mail or via email from Chase, so I did not believe I had any amount due. 

At the beginning of XX/XX/2020, I received a credit monitoring notice that I had a 30 day late payment reported on my credit report. At this time, I was able to log in to the Chase website and found the account with a small amount due. I paid the entire credit card amount due at that time. I called Chase to attempt to work with them on this missed payment ( that was a result of COVID-19 hardship ), including paying off the balance of the card entirely and setting up an auto-payment going forward. They were unwilling to remove the negative report on my credit report or defer the amount due in spite of the COVID-19 hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: LendKey Technologies, Inc.
State: WA

Complaint narrative:
Hello CFPB, I previously submitted a complaint to the CFPB regarding this issue. Supposedly the company responded to the CFPB, but I was unable to access anything b/c the CFPB didn't have my contact information correct to be able to match to the complaint and create an online CFPB account. I tried faxing my correct contact information to the CFPB but it appears that now the account/complaint has been closed. That complaint number was XXXX. The complaint to the CFPB was submitted on XX/XX/XXXX. 

My issue is with the credit reporting on a student loan I have with Lendkey Technologies. They have incorrectly reported to credit agencies that I have not made payments, when I have, and the balance is incorrect as well. I have been making on-time payments since XX/XX/XXXX and these- and the decreasing balance- have not been correctly reported to credit agencies. This has majorly affected my credit score- and that of my co-signor as well. I tried working with Lendkey Technologies directly but they were unable to fix it and asked me to officially dispute.

I sent my original complaint directly to Lendkey Technologies, via first class and certified mail, to three separate addresses supplied by Lendkey. One of the address was the address reported by them on my credit report. The other two addresses were off their website. I have yet to receive any sort of response directly from Lendkey and it has been almost two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is showing delinquency on my credit report when its not I was never late and they transferred this account to a new bank so I dont understand why they would report it as an negative item on my credit report this is unfair

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 2020-07-13 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: GA

Complaint narrative:
As of XX/XX/XXXX, all of my student loan accounts with the US Department of Education have been in forbearance. The forbearance was granted by the US Department of Education Borrowers Defense program. Since XXXX of XXXX, I have been disputing incorrect information reported on these accounts. After each dispute, I would receive a letter stating the account was verified as accurate despite my sending in proof that they were not accurate. They are currently showing that I am in collections and they were not reporting the monthly payments I made on the account from XX/XX/XXXX thru XX/XX/XXXX. I also entered into an income-based repayment plan to satisfy my mortgage lender. The US Department of Education ended up refunding my $ XXXX monthly payments since the accounts were in forbearance and they were not supposed to collect payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: GA

Complaint narrative:
As of XX/XX/XXXX, all of my student loan accounts with the US Department of Education have been in forbearance. The forbearance was granted by the US Department of Education Borrowers Defense program. Since XXXX of XXXX, I have been disputing incorrect information reported on these accounts. After each dispute, I would receive a letter stating the account was verified as accurate despite my sending in proof that they were not accurate. They are currently showing that I am in collections and they were not reporting the monthly payments I made on the account from XX/XX/XXXX thru XX/XX/XXXX. I also entered into an income-based repayment plan to satisfy my mortgage lender. The US Department of Education ended up refunding my $ 5 monthly payments since the accounts were in forbearance and they were not supposed to collect payments.

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 2020-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I wrote a dispute notice to Portfolio Recovery Associates, asking them to validate a debt that they alleged I owe. They did not validate nor send proof of an original signed contract with the wet ink signature. I sent them the notice dated XX/XX/2020 via USPS Certified Mail Number XXXX. In which they received it on XX/XX/XXXX According to the USPS website at XXXX. They did not remove it from ALL of my credit files. It is causing me great financial injury and it's causing me to have difficulty acquiring credit. The account number for the alleged debt is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, Transfer my mortgage to a next company and for some reason they reporting on my credit report as delinquency and late payment which is incorrect I was never late

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 2020-07-13 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
This account was paid off and never had a balance. Coinciding with a data breach the card was suddenly maxed out. The company has been asked several times to provide proof of debt, proof of charges etc. I have sent them notifications and requests and without providing any proof they keep reporting this debt on my credit reports. I am not sure of the amount but they are reporting a charge off. Since they have been unable to provide any valid proof of debt I would like the company to delete this derogatory information from my XXXX, XXXX and XXXX. This has been reported as FTC Identity theft number XXXX and the company has been provided with a copy of that report and one is also attached with letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
Under the CARES Act, student loan servicers are required to refund any payments made on eligible loans made after XX/XX/XXXX but before the Act was passed. I made such a payment on XX/XX/XXXX, but despite numerous requests to FedLoan servicing, I have not received a refund, nearly four months later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXX XXXX Date opened : XX/XX/2018 _ Amount {$680.00} _ Account NO # XXXX I reported it is FRAUD to XXXX XXXX since from XX/XX/2018 until now. My name is not XXXX XXXX. It's a similar name mixed with someone else.I never lived in MA. I never open any utility account under XXXX XXXX. I present all prove of address, personal ID, and file police report. I followed all steps from XXXX XXXX requested. Still could NOT get ride off this negative record. It's 21 months still pending. 
Whatever I called, email, disputed ... ... Nobody answer, nobody take care. 
21 MONTHS, still can not solve my problem.

Company response to consumer: Closed with explanation