vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-01 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX there was a repo for a vehicle i purchased from BMW financial. I have contacted all 3 credit bureaus and alerted them that i have not made a payment to BMW since XX/XX/XXXX.  The 7th year that the vehicle should be removed from my credit is this XX/XX/XXXX. BMW placed my account in collections in XX/XX/XXXX for non payment then made false reports of payments in XX/XX/XXXX to  XX/XX/XXXX and in XX/XX/XXXX they placed it back in collections. They are trying to keep me in collections until XX/XX/XXXX which would be 12 years they would be on my credit report. 

The credit bureaus will not remove it until they say it has been in collections 7 years.. which it has..the economy crashed and i lost everything that year. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sokaogon Finance, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I got a personal loan for the amount of {$300.00}. As I finalized the loan over the phone with a Green Pine Lending associate that assured me and my girlfriend that with interest, he total amount I would be paying back would be {$390.00}. We asked multiple times would that include all fees and everything and the person said yes. We would only pay four automatic payments of {$97.00} every two weeks fromy checking account until the XXXX was paid in full. 

After four weeks pass, ( XX/XX/XXXX ) I expected the loan to be paid off but did not receive a call to confirm. I logged onto my account on the website ( XXXX ) and find that not only was the loan not paid off but the company stated I owed them {$580.00}! And that there were scheduled automatic payments of XXXX that would be taken out of my checking until XX/XX/XXXX. 
After this alarming and confusing information I called the company to inquire into my loan and the associate " XXXX '' on the phone confirmed I owed {$580.00} and that there was a interest charge of {$7.00} dollars everyday charged to my account for " prolonging '' the loan. I informed the associate that the person I originally talked to did not state any of that information when confirming the details. I asked to know who I originally spoke to on the phone and was told their name was on my paper work but I was n't allowed to talk to them and that " XXXX '' would be handling my account from now on. I asked how could I resolve the situation and " XXXX '' the associate stated I could pay {$330.00} flat to absolve the loan which seemed odd considering their was a {$580.00} balance on my account. 
Overall Green Pine lending knowingly gave misinformation to get me to sign a loan with them. I also noticed after talking on the phone with them, I can no longer log into my account on their website as if they blocked me from viewing information on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department Stores ( applied via XXXX XXXX Department store ). This account was opened on XXXX XXXX, XXXX - and currently has a balance of {$700.00}. In early XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XXXX/XXXX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.

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 2017-09-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. On XX/XX/XXXX, I spoke with a supervisor at Equifax, XXXX # XXXX, who confirmed the dispute and documents had been received. He then went on to state the account with XXXX was reporting accurately with a blank balance. I informed XXXX the balance is blank however it should reflect a ' {$0.00} ' balance as it does with XXXX and XXXX. The date reported on the credit reports indicates 'XX/XX/XXXX ' which three years post-bankruptcy discharge. There should be no activity reported on this account after by bankruptcy filing date of XX/XX/XXXX. The XXXX XXXX account also reflects a blank balance however should reflect ' {$0.00} '. XXXX stated he was unable to see this account on my credit. I informed XXXX I can see the account on my credit report as well as my lender can see the account on their end as well. XXXX informed me they are unable to dispute this account as they are not able to view it. XXXX continued to be very dismissive of these requests. This inaccurate reporting is hindering my loan approval process. 

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. XXXX XXXXs credit report indicates last payment date of 'XX/XX/XXXX ' which is three years after my bankruptcy discharge.There should be no activity reported on this account after my bankruptcy filing date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
OnXX/XX/XXXX at around XXXX, I deposited {$1100.00} into my bank ATM Address : XXXX XXXX XXXX XXXX , Oklahoma XXXX , OK XXXX. The machine that I deposited has failed me three times before. I called Chase bank to file the claim and on XX/XX/XXXX, they said they did a thorough investigation and only found XXXX. They reverse the remaining credit from my account and said that there was nothing else that they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Opened account on XX/XX/XXXX, paid as agreed up to todays date of XX/XX/XXXX. 
Santander has refused to timely communicate or resolve the 4 missing payments to date. 
The dates of the missing payments are XX/XX/XXXX,XX/XX/XXXX and 2 payments combined on XX/XX/XXXX. 
Santander uses a 3rd party to process their payments ; XXXX XXXX speed pay. 
XXXX XXXX confirmed they processed these payments successfully, and certified/notorized bank statements have been provided as well. A complaint about this issue, but only the first 2 payments were involved, the payments from XX/XX/XXXX are completely seperate and new. 
Santander has had numerous similar complaints filed against them that are available on the internet. 
They are acting like thieves, not returning calls or communicating to resolve this major issue. 
My attorney has attempted to contact Santander, only to have Santander claim they needed a release to discuss my account, but a release was provided over a month ago, confirmed received by Santander, but still no contact. 
This behavior is unacceptable, and harmful to me, as my credit score went down over 150 points and lost income. 
Their policies are against the laws and need to be rewritten to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: TX

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. On XX/XX/XXXX, I spoke with a supervisor at XXXX, XXXX # XXXX, who confirmed the dispute and documents had been received. He then went on to state the account with XXXX was reporting accurately with a blank balance. I informed XXXX the balance is blank however it should reflect a ' {$0.00} ' balance as it does with Transunion and XXXX. The date reported on the credit reports indicates 'XX/XX/XXXX ' which three years post-bankruptcy discharge. There should be no activity reported on this account after by bankruptcy filing date of XX/XX/XXXX. The XXXX XXXX account also reflects a blank balance however should reflect ' {$0.00} '. XXXX stated he was unable to see this account on my credit. I informed XXXX I can see the account on my credit report as well as my lender can see the account on their end as well. XXXX informed me they are unable to dispute this account as they are not able to view it. XXXX continued to be very dismissive of these requests. This inaccurate reporting is hindering my loan approval process. 

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. Transunion 's credit report indicates last payment date of 'XX/XX/XXXX ' which is three years after my bankruptcy discharge.There should be no activity reported on this account after my bankruptcy filing date of 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 2017-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
For the second time today, I have been denied access to my JP Morgan checking and savings accounts. I tried to sign in with my usual user name and password using the same internet access device I have used in the past. However, I was denied access to my accounts and will not be able to get into the accounts indefinitely. This is abusive and unacceptable. The problem seems to be that when I travel, I sign in from different IP addresses which triggers the lock out. This has happened repeatedly. The website I tried to sign into instructed me to call XXXX. However, a machine answered and asked me for my credit card number, despite the fact that I have no credit card with JP Morgan. After wasting several minutes of my time, and waiting for several machines to spew out irrelevant garbage, someone finally came on the line. However, this person also asked me for my nonexistent credit card number, then referred me to another person who did nothing to restore my access. The second person could not be understood clearly. The connection was poor and she had an accent. She asked me some XXXX questions about pet insurance ( which I used to have but do not presently ), then announced that she needed to change my password and would send me information to my home phone. Since I am hundreds of miles from my home phone, I explained to her that this was pointless and asked her to stop wasting my time. She then announced that she would not grant me access to my account for " security '' reasons. Let me clear here. The problem with this dysfunctional system is that there is no person at JP Morgan who is accountable for these problems and various other people who want non-existent credit and debit card numbers go through irrelevant routines when people are arbitrarily but routinely denied access to their money. 

This has been the situation on my accounts for years. JP Morgan is unaccountable for ensuring that online banking is reliably available instead of intermittently so. 

I have bills to pay and need to check which checks have cleared. But I can not do so with the abusive and deceptive practices of JP Morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I submitted an online dispute with Equifax credit bureau ; on XXXX XXXX XXXX a collection item added to my credit report on XXXX/XXXX/XXXX. The equifax online system was having problems and directed me to an online form to fill out because the system could not pull my report items up at that time. The system asked me to fill out the name of the collection item with the account number and the amount of the debt and date reported and click submit. My name, social security, and Birthday information was pre-populated on the form already. I typed in only one account XXXX XXXX XXXX Account number and {$1500.00} amount with the reported date of XXXX/XXXX/XXXX. On XXXX XXXX I received an alert that an reinvestigation was being done on a totally different account than the one I disputed and dropped my credit score 5 points. I immediately called Equifax for an explanation. I was told that I disputed every account on my credit report stating that the accounts were not mine. I told them this was an error on their part and I wanted it corrected immediately. I was told that I did it online and they could not stop the investigation on all the accounts. I explained to them what I did and they stated they did not have a dispute for XXXX XXXX XXXX but they had a dispute on everything else on my credit. Please tell me why would I dispute every good item on my credit report and say it 's not mine, and leave the only bad item that just appeared on my credit less than a week from my call and say, " that bad debt is mine '' but all of that good credit, " that 's not mine ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: NY

Complaint narrative:
Information on my report do not belongs to me. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: MD

Complaint narrative:
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department Stores ( applied via XXXX XXXX Department store ). This account was opened on XX/XX/XXXX - and currently has a balance of {$700.00}. In early XX/XX/XXXX, I disputed this account via XX/XX/XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.

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 2017-09-02 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: MD

Complaint narrative:
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX ( applied via XXXX XXXX XXXX store ). This account was opened on XX/XX/XXXX - and currently has a balance of {$700.00}. In XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-02 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: MD

Complaint narrative:
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department XXXX XXXX applied via XXXX XXXX Department store ). This account was opened on XX/XX/XXXX- and currently has a balance of {$700.00}. In early XX/XX/XXXX I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.

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 2017-09-02 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 — Investigation took more than 30 days
Company: BB&T CORPORATION
State: IN

Complaint narrative:
XXXX is suppose to resolve a dispute in 30 days. They have abused this and still have it pending after 4 months and it does not seem like they are following the Fair Credit Credit Reporting Act rules, FTC and CFPB violations. 

More than four months ago, I asked XXXX to hear my dispute with BB & T Bank regarding a " charge off '' that was paid before the alleged charge off took place. Initially XXXX advised me they needed another 30 days. I have heard nothing in over two months. 

This has embarrassed me and my wife ( whose credit rating is perfect and she is a co-borrower on the disputed issue ). This delay affected my ability to get a timely XXXX refinance on my home. 

Please discipline XXXX and require them to come into compliance with FTC and CFPB rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: NY

Complaint narrative:
Information on my report do not belongs to me. Please remove

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 2017-09-02 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: NY

Complaint narrative:
Information on my report do not belongs to me. Please remove

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 2017-09-02 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: MD

Complaint narrative:
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This account was opened on XX/XX/XXXX - and currently has a balance of {$550.00}. In XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX XXXX XXXXXXXX on XX/XX/XXXX and explained that I have a debit card with XXXX XXXX XXXXXXXX, but no credit card. I was given the run around and transferred to numerous agents with no resolve.

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 2017-09-02 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: MD

Complaint narrative:
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This account was opened on XX/XX/XXXX - and currently has a balance of {$550.00}. In early XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX XXXX XXXX on XX/XX/XXXX and explained that I have a debit card with XXXX XXXX XXXX, but no credit card. I was given the run around and transferred to numerous agents with no resolve.

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 2017-09-02 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I contacted the company on many occasions and I even sent in a police report that was made stating that I was 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