vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: OH

Complaint narrative:
My late payments are reporting inaccurate in XX/XX/XXXX and XXXX they are reporting on time but XXXX of XXXX and XXXX they are reporting 120 days late in XXXX and XXXX they are also reporting inaccurate how is this possible when its only 30 days in a month also Experian is reporting 11 late payments but XXXX  and XXXX  are only reporting 2 I have reached out to the credit bureau several times about this issue and always get the same results a update without any changes

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 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I scheduled my payment with the automated system multiple times but it disappears before posting. Same system as always, just not posting any payments. Very convenient time of year for their system to suddenly stop posting payments when credit balances are probably maxing out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to XXXX XXXX XXXX XXXX store and tried to obtain a credit card from them, but they said my application was denied after a hard pull. I just got the mail from XXXX 's stating that my application was denied due to " Total credit obligations when compared to the total annual income you provided ''. I make {$52000.00} per year with money coming in from XX/XX/XXXX and full-time employment, how is this possible?

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 2020-12-22 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Regarding Macy 's Department Store I had a Macys charge card with a XXXX balance. I made a purchase in 2018 and charged it to my card. 
I paid the bill in full but it was about 20 days late Since then interest & penalties have been accumulating to a total of {$300.00} until they finally dismissed it. 
and then tried to ruin my credit with all 3 agencies.

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 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was talked into sending XXXX twice XXXX total via XXXX by a scammer in purchasing christmas football tickets for my son. we texted he walked me through everything and once I sent 2nd XXXX he hung up and blocked my # I understand I did it, I understand XXXX has no remedy like XXXX XXXX etc. However I do not understand how knowing exactly where the money went that the bank of the receiver or sender does not remburse and take away from the reciever. 
XXXX TO XXXX ON XX/XX/22 REF # XXXX CONFIRM. {$200.00} XXXX TO XXXX ON XX/XX/22 REF # XXXX {$200.00} Again I understand that I was duped, but how is this not traceable and refundable. I sent one he exlained I needed to send another with a mem on it and the 1st would be removed. My bank is Wells Fargo I love them, I am not happy I was scammed and not happy that with reference # 's this can not be traced and returned. XXXX said name was XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2020-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I tried to apply online as REP Payee account because I am listed on this account with my sister. And my sister wanted to apply for a loan. 
I am the conservator. I called CashNetUSA. I talked with a customer service rep who was very unprofessional. I asked to be transfered to a supervisor and the rep said they do not have supervisors to take calls. She did not answer my questions at all about the REP Payee account she did not know anything at all. The customer service rep put me on hold and finally disconnected me while waiting for a response. The customer service rep said she would have one of the legal team call me but never confirmed it because she disconnected me while waiting on a LONG wait. I called back but I am still trying to get in. I finally end the call I did not want to wait any longer. So I am writing this complaint. 

Also, I have another issue about keeping my mother 's information in their database system. My mother has passed away and I do not want her information stored for fraud purposes at their loan office. This worry me very much because so much identity thief is being used at financial institution like this.. 

I would appreciate you looking into this because I have issues and concerns about this loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I mailed in a dispute letter to XXXX  and TransUnion regarding the following account XXXX, XXXX account number XXXX on XX/XX/XXXX pointing out several inconsistencies that I noticed on my credit report with the way the account is reporting. The open/closed date is inaccurate, balance reporting is inaccurate, the XXXX date, as well as the account status is all inaccurate. XXXX  and TransUnion both received my dispute letters because I sent the letters certified with receipt tracking and XXXX  received my letter on XX/XX/XXXX and TransUnion received my letter on XX/XX/XXXX and has failed to investigate my dispute within the allotted time of 30 days yet they continue to report this inaccurate information on my credit report. This is ridiculous I have been disputing the validity of this debt since XXXX and XXXX  has continuously given me the run around about this account. Please DELETE this account immediately for not only inaccurately reporting but failing to investigate account within 30 days!

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 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This card is from XXXX. I had payed it off before cancel my card with Wells Fargo. I had received a letter a little over a year, XXXX, stating the amount owed and that it went to collections. I was just aware of this and in the past I never received a statement or anything. I tried to dispute it and yet it appears on my credit because the bank claims that I still owe this money. I called back maybe in XX/XX/XXXX I called to see what can be done and the collections department said that they couldnt do much because a lot of what I was told was not written in the notes.

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 2020-12-22 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I joined XXXX XXXX on XX/XX/20. On XX/XX/20 I noticed a hard inquiry on my XXXX  report from Synchrony Bank, and then on XX/XX/20 I received another alert from XXXX XXXX that there was a hard inquiry on my XXXX report from XXXX XXXX  XXXX XXXX I disputed the XXXX  inquiry, however XXXX is requesting I send documentation from XXXX in order to dispute. I am concerned that my information was somehow breached by XXXX XXXX as I have never experienced these issues prior to signing up. I am not certain if this complain my is common. I request that the hard inquires be 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 explanation
Consumer complaint received 2020-12-22 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander admitted in a class act settlement to using predatory loan tactics and I was one of the people affected. Dealers were working with Santander to use an internal scoring system to qualify people for loans instead of using a fair system to show me all the different companies I could have used to get my first car financed. Due to the dealership inflating my income and Santander 's internal scoring system I was doomed from to beginning of my car loan. I have had 6 extensions and a repossession and almost 4 years later I have only paid of 25 % of my loan. When reading the qualifications to be included in the class action lawsuit on paper I had all the qualifications except the internal score in which Santander only knows. This is unfair due to the company being able to pick what accounts are eligible and which ones are not even if they should qualify due to the terms of the settlement agreement. I reached out to Santander on several occasions to get some type of relief but they said that because I didn't default on my loan I wasn't included. My car was repossessed and I paid half of it one week and the other half of it a week later so the days of delinquency rolled back when it was over 90 days but it just wasn't reported to the credit bureaus yet. I have requested my application that had my income information to see if it was altered by the dealer and they stated they didn't have that information and to reach out to the dealer and the dealer said that they didn't have that information and to reach out Santander because they should have it and now since the lawsuit has come up in which these were their faulty business practices and also the dealer who sold me my car is no longer there I am not sure what to do Over the last few weeks I have reached out to Santander Consumer USA at least 10 times. I spoke with the executive team there. It has been a run around with this company especially when I know for a fact the things in the settlement happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I checked my credit report and noticed a collection account had been posted for an apartment that I previously lived in. Prior to the account being sent to collections I spoke with the leasing company to dispute the debt as I was misinformed by one of their agents. In XX/XX/XXXX, I expressed to the leasing agent that I could not continuously walk up to the XX/XX/XXXX due to health concerns. At the time aXX/XX/XXXX unit was available, the agent advised she would submit the internal request for me. In XXXX, I went to the office again for which the unit was still available but had been offered to another tenant. I expressed the need for a XX/XX/XXXX unit or I would have to relocate. The agent assured me that if I signed the lease, the company would rescind it if a XX/XX/XXXX unit did not come available before XXXX. I had to sign the lease to keep the renewal rate or my monthly rent would be month to month which I could not afford. I moved in XX/XX/XXXX because I found a unit with no stairs. 
I contacted Ideal Collections Services on XX/XX/XXXX to validate the account with negative results. I requested a validation letter that was emailed to me on XX/XX/XXXX after my request but I had not received a letter from Ideal Collections Services prior to this date. To the best of my knowledge the account was still being disputed with the leasing company as I had received their letters and follow-up phone calls regarding the misinformation. 
On XX/XX/XXXX at XXXX XXXX, Ideal Collections Services offered a payment plan with first payment due on XX/XX/XXXX. I was still attempting to negotiate a settlement with the company and make arrangements that would not cause a snowball effect of my other obligations ; however, I did make the payment to Ideal Collections Services for {$180.00} through my banks bill pay service. 
I feel because I refused to provide my checking account information to the Ideal Collections Services via phone they refused to continue the payment plan. 
On XX/XX/XXXX Ideal Collections Services representative XXXX XXXX advised they would not be accepting the payment and it will be refunded. To date I have not received a refund or the returned check in the mail. 
The entire conversation is available in an email thread to prove their unwillingness and deceptive practices as they delayed responding to my requests via email or made it impractical for me to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2020-12-22 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: AL

Complaint narrative:
I have sent in several dispute letters in regards to public record information being reported about me on Experian, XXXX an XXXX. I sent out letters on XX/XX/2020 to each company requesting their method of verification in regards to the public records and they have failed to respond to this letter within the allotted time of 15 days. It is now XX/XX/2020 and I have yet to receive a response about my dispute. Please remove this account immediately for failure to adhere to the FCRA and reporting unvalidated information!

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 2020-12-22 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2020-12-22 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This card is from XXXX. I had payed it off before cancel my card with Wells Fargo. I had received a letter a little over a year, XXXX, stating the amount owed and that it went to collections. I was just aware of this and in the past I never received a statement or anything. I tried to dispute it and yet it appears on my credit because the bank claims that I still owe this money. I called back maybe in XX/XX/XXXX I called to see what can be done and the collections department said that they couldnt do much because a lot of what I was told was not written in the notes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I requested a new card and I have not received it. I would use the secure message center but that Chase provides but it has been my experience in the past that the customer service individuals don't even answer the questions. Usually they just copy and paste a generic message that tells you to call them. I want this response in writing so it can be documented to protect myself. I would think that Chase would want that same sort of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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