vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Here are more supporting details about this situation. I was going over my credit report back on XXXX XXXX and noticed that a company called Santander Consumer USA Inc was reporting on my credit report. I called the company 10 times but no one ever answered so I decided to reach out to XXXX, XXXX, and XXXX. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a 6-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department XXXX XXXX California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with Santander Consumer USA inc . I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and Santander, XXXX, XXXX, and XXXX. I have included more than enough supporting documents to have this account removed. I am including all reports that were received by the credit bureaus and the laws that they violated under section 605B of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I tried to take off credit report because my account was sold to a collection agency in which I didnt give my personal information or agree to my information being sold, have report multiple times on my credit under the same name instead of combining debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rothberg Logan & Warsco LLP
State: IN

Complaint narrative:
On XXXX of XXXX the Collection Agency contacted my Garnishee ( Employer ) to redirect the payments to them in violation to the FDCPA and BCFPA policy under Communication ... away from XXXX County Superior Court Clerk 's office before the Court granted Order was given on XX/XX/XXXX. 

This same Collection Agency operated in Indiana illegally for years without a license as it was required of them under the Indiana Code, if it was required from XXXX to XXXX, as well as, from the beginning of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX. I tried to contact the Credit Bureau but they didnt fix it. My name, address are incorrect, its a violation of he FCRA. Its unsafe to have wrong information about me like this. 
The report has a lot of variations that doesnt exists. 

My name is XXXX XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Phone number XXXX. 

I am sending proofs. 

Its unsafe for me and its a violation.

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 2023-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On 9 different occasions starting from XXXX to XXXX, I sent money to my son via XXXX and our Chase bank accounts ranging from {$45.00} to {$580.00} totaling {$1400.00}. All these transactions were sent using my son 's email address with no errors in the spelling. After a conversation with my son on XX/XX/XXXX, we both realized that he had not received any of these payments. I immediately went with my son to our financial institution ( Chase ) and reported the issue. They were able to see that the email address was correct but that none of the transactions went to my son 's account. A query was made to the complaint department to see if we could get our money back as it was seen by them that it went to another Chase account in error. After a few days, I received a phone call and a letter stating that I could not receive the money back. I went back to Chase on XX/XX/XXXX who pushed this issue up to a " corporate '' level complaint as it was clearly evident that it was not my fault. Once again, after a few days, I received a phone call stating that there was nothing they can do to help me. We were told by Chase the name of the person that it incorrectly went to along with the last 4 digits of the account number as it was also a Chase account customer and they still wouldn't credit my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX XXXX XXXX XXXX  COMPANY Account Number : XXXXPlease remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Date opened is not accurate across all credit bureau XXXX XXXX is not accurate across all credit bureau credit limit is supposed to be accurate last reported is not accurate date of last active is not accurate across all credit bureau date of last payme XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Identity Theft XXXXXXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Report act, Equifax Credit Information Services INC, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

I sent servals disputes letter to verify my correct address, Name, DOB, SSN and Employer and no action was taken to fix my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: CA

Complaint narrative:
1. Name of Account : XXXX XXXX Account Number : XXXX 2. Name of Account : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 3. Name of Account : XXXX XXXX Account Number : XXXX 4. Name of Account : XXXX XXXX Account XXXX : XXXX All of these accounts have violated my rights. I do not believe these accounts are verified as well. Opened Date, last reported date, date last active, and date of last payment are all inconsistent from XXXX, XXXX, and Experian. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-18 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: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
When I had this credit card and it was active, a purchase was made by someone that was NOT me, and I called the credit card company and told them I never shopped at the store that was being shown. That purchase that someone made using my card, set me over my credit limit. I sent the credit card company the paper they requested I fill out explaining what happened and how it wasnt me and they never did anything about it. I told them I was not making payments on my account until that fraudulent purchase came off- they never took it off and then eventually closed my account and sent it to collections. Which is where we are at with it now. This wasnt my fault and it is still negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
In XX/XX/XXXX, when I was invited, applied and was approved for an Ollo Rewards card, I was told in print that there would NEVER be an annual fee. Multiple times in print, advertising and card details. Now, I get a statement in XX/XX/XXXX stating they want to charge me a {$39.00} annual fee. I never prior to the billing statement had received any print or oral communications of a possible annual fee being charged now on my Ollo Rewards card. I ask for a correction in this error and breaking of the terms agreed upon XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Inquiries were posted to my credit report from the following companies that I did not make or authorize : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Hello, on XX/XX/XXXX, I opened a bank account with XXXXXXXX XXXX. They had a XXXX Zelle Registration policy, so by XX/XX/XXXX, I registered with Zelle and used Zelle to transfer between parents and lawn man. It is usually used when parents need money the majority of the time as it is quicker and doesnt have to be home to go and withdraw as I travel for work constantly. So, being able to send them when out at work is convenient. I have been using XXXX XXXX without any issues with this service but when XXXX XXXX had a cashback card, and better savings went with them. But on Late XX/XX/XXXX, Dad tried to send me money and had issues receiving the money. Ive tried contacting both Zelle and XXXX XXXX and unlinking Zelle from XXXX XXXX and still the same issue. The issue is that XXXXXXXX XXXX has flagged other accounts on those that have opened up Zelle after XX/XX/XXXX, because of a new user agreement, even though the one that was agreed upon was different and attached. I havent done anything different than on my XXXX XXXX account. The freeze on my phone and email have yet to be released even though I am confirmed that it is removed from XXXX XXXX  and be able to be added to my previous bank account. XXXX XXXX  says that should not be any issue that I have caused and all within the agreement, and Zelle wont say much about why. I tried asking XXXX XXXX, and they say they dont see what and that it is blocked. I am currently talking to XXXX XXXX  to cancel the account and have been trying to get Zelle back to XXXX XXXX as they dont seem to cause issues when using the account, but because of XXXX XXXX has not provided the reason why I can search and see but I don't see why when nothing has changed except bank accounts. Not sure if having dad and me having the same name is causing issues as well but should not as we go by a bit differently to avoid situations. I have attached screenshots of the chat from XXXXXXXX XXXX After researching found that Zelle is Early Warning Services , LLC, so hope they do provide the necessary response and solution to this issue and stay within the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
During the application process I was told there was a low interest. I am an XXXX XXXX woman and I feel I was taken advantage of during this process. They basically forced me to take the money with high interest this situation is really hindering me and is not good for my credit report. I have reached out to the merchant and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America denied me a business credit card application, giving me the reason that my personal report has negative marks or indicators and that is why they did not approve the application, but I must remind you that I applied for a credit card for my business, not for me. personal use because if they register a fictitious name they believe that they are going to force someone to pay or comply, they are very wrong, what they show is that they are not doing their job well or they are not providing the services they offer because you have to know the differences between personal accounts and of business.

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 2023-02-18 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: FL

Complaint narrative:
ITS FRAUD. I tried to contact the Credit Bureau but they didnt fix it. My name, address are incorrect, its a violation of he FCRA. Its unsafe to have wrong information about me like this. 
The report has a lot of variations that doesnt exists. 

My name is XXXX XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Phone number XXXX. 

I am sending proofs. 

Its unsafe for me and its a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ITS FRAUD. I tried to contact the Credit Bureau but they didnt fix it. My name, address are incorrect, its a violation of he FCRA. Its unsafe to have wrong information about me like this. 
The report has a lot of variations that doesnt exists. 

My name is XXXX XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Phone number XXXX. 

I am sending proofs. 

Its unsafe for me and its a violation.

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 2023-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand that the credit bureau take immediate action to investigate and correct any false information on my credit report. As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. 

The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. 

I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. 

I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.

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 2023-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I have made several attempts to resolve this issue with XXXX. They continue to hold/misapply my payments resulting in principal application much later than payment received date and overcharging me interest. I make XXXX XXXX payments per month which they receive on the XXXX and XXXX of each month. They continue to put these dollars in " suspense '' and not correctly reduce principal until the last day of the month when they apply the full {$2400.00} over. I pay early intentionally to reduce principal, this is not appropriate treatment of my payments, and effectively forcing me into a scheduled interest scenario, versus a true calc based on principal days outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Contacted XXXX XXXX on XXXX XX/XX/2023 and was forwarded to Chairman 's Office. 
Received e-mail from XXXX XXXX in Chairman 's Office on XXXX XX/XX/2023. 
Responded to e-mail to XXXX on XXXX XX/XX/2023. Received voicemail from XXXX on XXXX XX/XX/2023 and responded. No response to e-mail as of XXXX XX/XX/2023. 
Received and responded to a separate voicemail on XXXX XX/XX/2023 without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
This is the second time I have put this to CFPB about BARCLAYS XXXX CARD, and I have been fighting this card since XX/XX/2022. 
I have asked for proof of response company from XXXX, a XXXX in XXXX. 
They stated that the company never responded. I was told that I had to wait 90 days to see what they reported happened. 
If the company didn't respond, I would have won the dispute by default. Well, as you can see, It's been the past 90 days, and they have started billing me late fees. 
I expected this would have been resolved, but it is not. 

I want this to get resolved, please. But unfortunately, the company doesn't have anyone who speaks XXXX well, so I can't get my point across. 

I need help with this mess. I need assistance with this company. Please review my first complaint against this XXXX XXXX  company, XXXX and XXXX XXXX 's account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or 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 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express must consult XXXX XXXX XXXX and XXXX Identification Tools because are more accessible ( economical ) and XXXX Business is other option but I think it is more complicated and expensive than the previous ones. Remember while a business is starting is not recommended invest too much paying for this tools.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: IL

Complaint narrative:
I reached out to this company XXXX, 2023 asking about this debt they disclosed a different amount that was in my credit report. I asked when did they send me letters in the mail because they were not received they stated they couldnt tell me this information. I asked about paying to delete off my credit report they told me they dont do that. I told them that I have the medical card in my state which means free medical insurance so I dont understand how I owe a debt in the first place. The representative told me she could not help me and was really rude over the phone. 

The account is a medical bill in collections from XXXX XXXX XXXX Amount {$330.00}

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 non-monetary relief