vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 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: U.S. BANCORP
State: CA

Complaint narrative:
XXXX was my initial complaint to cfpb disputing the charge on my credit card mentioned in my initial complaint. I disputed the charge and requested that they send me a copy of the credit card charge slip with my signature on it. 
Nowhere in the response from the credit card company, or in the response from cfpb that the case is now closed ; is there a copy of the charge slip. I had already paid the credit card company in full, including the disputed charge. 
So far they have not given any proof ( in the form of a copy of the credit card charge slip with my signature on it ) so far, their response has been a bunch of hogwash that I would prefer to call " XXXX '', without giving me the proof I requested, to validate the disputed charge. 
So I again repeat that the disputed charge is invalid, and a fraud by the credit card company. I am not claiming any fraud by the merchant, as the merchant did not show me anything on their computer records to show that there had been such a purchase by me, or a claim by them to my credit card. 
I place the blame and fraud solely on the credit card company. Besides recording this fraud against the credit card company, I do want cfpb to rule that the credit card company refund to me the disputed charge of XXXX XXXX and all the interest at the rate of about 25 % that they would have charged me on this disputed fraudulent charge that they have given no proof of in the form of the copy of the charge slip with my signature on the charge slip.

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 2020-06-08 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Fair Collections & Outstanding Inc XXXX XXXX XXXX XXXX I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.

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 2020-06-08 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Santender I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: CarMax, Inc.
State: VA

Complaint narrative:
Carmax auto finance has attached a remark to my credit report in regards to be being impacted by COVID 19, in which I was not impacted by COVID 19. I, in no way shape or form, requested anything regarding COVID 19. I did not find this out until I was attempting to refinance my car through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Due to Covid shelter in place orders, I was unable to go in person to make deposit into my checking account. The personal loan installments are supposed to come out of this checking account and thats why it led to payments not being made. When I finally managed to make deposits in the account and pay the installments for the personal loan, the payment did not get credited to my account properly which I was not aware of. This has let to late payments showing up on my credit report. I am requesting to reverse the late payment reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AUTOMOTIVE CREDIT CORPORATION
State: CO

Complaint narrative:
I lost my job due to COVID-19, I have tried REPEATEDLY to get Automotive Credit Corp to defer or extend my payment which they refuse to do, I understand they don, t  have to but considering the situation I was hoping for a small break. They tried to repo my truck without sending me any notice of default, or right to cure. They will not work me in anyway. I spoke with XXXX and she would belittle me and was very rude. They have marked down payments that were never late, and one payment is for over {$900.00} for " not having insurance ''. I didn't even know they could do that.

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 2020-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Years ago approximately XXXX or so I began having problem paying my loan and was steered by Sallie Mae now Navient to apply for forbearances and was never told about different payment options. I am almost 60 and  still paying interest on loans from XXXX that initially only {$25000.00}. I was mislead and steered to a debt that I cant get out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The credit bureau did not remove for inaccurate closed accounts from my report. The accounts are well over 7 years old, wrong payment history and reporting as either paid recently. These accounts have never been paid by me or own by me. I dispute these accounts over 3 weeks to get a re-dispute that still is not accurate. Both XXXX, and XXXX XXXX XXXX have never paid ever and are well over 7 years old. They continue to update the payment history eventhough for the 4 accounts this is also not true.

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 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP
State: MS

Complaint narrative:
I received a bill for XXXX from linebarger hogan blair and Sampson for unpaid XXXX XXXX XXXX. It was XXXX bill received. Why did XXXX not send notice? When I called, they said- basically send a letter pleading your case. I sent XXXX dollar check for the toll and said I never got the toll bill. When I got second notice- I paid- too much trouble to keep fighting this scam. But you need to look and see how often this is happening-! especially vacationers. A nice little scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am unable to connect my account for direct deposit with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
My cash app account start declining my payments two weeks ago. Every day since I have emailed them finally after 50 emails I received a reply that the uia reported my account fraudulent. I had to send my identification and  birth certificate in which I was cleared. Now my account is still frozen with my money and I already proved myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: AR

Complaint narrative:
It APPEARS XXXX, EQUIFAX, AND XXXX ALL HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND THE FAIR & ACCURATE CREDIT TRANSACTIONS ACT. I'VE SENT SEVERAL DISPUTES WITH THE MOST BEING ON THE XXXX WHICH INCLUDED A COPY OF LOCAL POLICE REPORT AND IDENTITY THEFT AFFIDAVIT WHICH INCLUDED SPECIFIC ACCOUNTS THAT WERE FROM THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDU, XXXX   XXXX & XXXX XXXX. XXXX, XXXX, AND EQUIFAX HAS FAILED TO BLOCK THE FRAUD RELATED ACCOUNTS UPON BEING NOTIFIED WITHIN 4 BUSINESS DAYS FROM A CONSUMER IN ADDITION XXXX, EQUIFAX, AND XXXX HAS FAILED TO PROVIDE ANY NOR ACCURATE VERIFICATION WHATSOEVER AND HAS DELIBERATLEY IGNORED MY REQUEST TO UPDATE AND REMOVE THE FRAUDULENT ADDRESSES AND INQUIRIES THAT ARE STILL DISPLAYING ON MY CREDIT FROM MY CREDIT FILE WHICH CLEARLY VIOLATES SECTIONS 605B, 609, 611, AND 623 OF THE FAIR CREDIT REPORTING ACT NOT TO MENTION XXXX XXXX CONTINUES TO REPORT A FRAUD RELATED ACCOUNT AFTER BEING NOTIFIED FROM A CONSUMER REPORTING AGENCY WHICH NEVER PROVIDED ANY INITIAL 5 DAY COMMUNICATION WHICH IS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICE ACT NOT TO MENTION IT HAS BEEN OVER 60 DAYS FROM MY INITIAL DISPUTE AND YET NEITHER XXXX, EQUIFAX, AND XXXX  HAS BEEN ABLE TO PROVIDE ANY ACCURATE VERIFICATION PERIOD OBLIGATING ME TO THESE FRAUD RELATED ACCOUNTS. I WILL NOT ACCEPT THE TYPICAL RESPONSE OF YOU NEEDING TO CONTACT THE FURNISHER OR YOU NEED MORE SPECIFIC INFORMATION REGARDING THE ACCOUNTS, OR YOU REFUSE TO HONER MY REQUEST BECAUSE IM A WORKING WITH A CREDIT REPAIR COMPANY. THE ONLY REASONABLE SOLUTION WOULD BE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE SINCE I'VE PROVIDED MORE THAN THE NECCESSARY REQUIRED DOCUMENTS TO SUPPORT MY CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I received a credit card in the mail ( XX/XX/2020 ) to a company I have never applied to get credit to or applied to get any promotional offers or information. On XX/XX/2020, I called the number listed on the information sent through mail and the automated options do not allow me to speak to a customer representative ; the system will only allow for SSN or DOB, which is not information I want to disclose as I believe this to be fraud as I did not apply for a credit card. 

I have no way of getting additional information as the website is set up the same way in which one has to input personal information to get in touch with a representative. It seems this is a XXXX XXXX XXXX   card XXXX and by mail XXXX XXXX XXXX and website provided XXXX. https : //www.goprogram.com/goedcclient/pdf/Way2Go_Brochure.pdf I have never filed for any unemployment and any cards or prepaid cards in my name are fraudulent. My credit with all companies has been frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: CA

Complaint narrative:
Ive sent multiple disputes to the credit bureau via mail. I sent them all certified mail and I have return receipts. I have spent a lot of money just trying to communicate with them however they have not given me any help. I asked them for proof of verification and they havent responded to me at all. Its been well over 30 days and Im just trying to fix my credit so I can live a normal life. The accounts on my report are unverified.

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 2020-06-08 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:
Experian is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX DEALER partial account numer XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and therefore there is no payment to be late on. XXXX and XXXX are reporting correctly. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.

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 2020-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a line of credit with Ashley Furniture store for almost a year. I have not missed one payment. I applied for the COVID-19 relief program just because I was out of work for two months due to my job temporarily closing because of the Corona virus. I got a letter in the mail from Ashley stating that they lowered my credit limit amount just because they have the right to do so. I called Ashley Furniture customer service and got the same response as the letter. They stated the company has a right to lower my credit limit, if they deemed it necessary. I have not a missed a payment, so I don't know what warranted them to lower my credit limit.

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 2020-06-08 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: PA

Complaint narrative:
Letter dated XX/XX/XXXX from Equifax address XXXX XXXX XXXX XXXX, GA XXXX states Credit Score is XXXX when online report accessed via XXXX XXXX clearly shows XXXX, which is already being disputed via CFPB. 

CURRENT PROBLEM relates to above noted letter that lists Two Contact Phone # 's ... .NONE of which provide option to SPEAK with Equifax Customer Service Representative. ( XXXX ) XXXX only gives options to Freeze or Place Restrictions on Credit which is NOT my issue ... .BUT letter States : " The confirmation number for this Score Report is : XXXX. If you need to Speak with a customer service representative concerning the information on this Score Report, please call ( XXXX ) XXXX and have the Score Report confirmation number available ''. 
** After 20 minutes of Only reaching automated prompts that do NOT give me option to SPEAK with anyone. 
Attempted to Speak with representative via XXXX which Does give Option ( # 5 ) to speak wirh representative related to OTHER ISSUES ... .however I was automatically disconnected TWICE even though I followed Prompts Instructions. 

I am working to refinance my mortgage and the inability to EASILY reach Equifax to resolve an error related to a 52 Point Score DROP on my Equifax Credit Score is what I'm Trying to dispute since NO factors reported in the What's Changed section of Equifax Credit Report updated on XX/XX/XXXX would cause a decrease ... .the " What's Changed '' section for XX/XX/XXXX Report Correctly shows balance REDUCTIONS on 4 accounts which resulted in a Six Point Increase on my XXXX Report. 

RECAP : ... This complaint is to notate my inability to SPEAK to a Customer Service Representative using the telephone numers provided in letter from Equifax that Incorrectly states my Credit Score as of XX/XX/XXXX is XXXX ... when on this Dame Date the Equifax Online Report accessed via XXXX XXXX clearly show XXXX?? 
This ERROR by Equifax has had a negative impact on my ability to obtain a mortgage refince loan AND NOW ... .I simply can not reach a LIVE body at the Equifax Phone Numbers Provided BY Equifax in letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander Consumer USA reported to XXXX on XX/XX/XXXX that my auto loan account was closed and charged off. This closed status has remained on my credit report since then. I still continue to make payments on the vehicle I continue to have possession of. 
I recently checked my credit report and Santander has now re-aged the closed account date to XX/XX/XXXX. This is a violation of my consumer rights and a violation of the FCRA. Santander Consumer USA is Re-Aging the account to appear as though it is a newly closed account. The account just reached it's 2 years closed mark. I will continue to use my previous credit reports and supporting documentation to fight against this violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 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: KY

Complaint narrative:
The credit bureau did not remove for inaccurate closed accounts from my report. The accounts are well over 7 years old, wrong payment history and reporting as either paid recently. These accounts have never been paid by me or own by me. I dispute these accounts over 3 weeks to get a re-dispute that still is not accurate. Both Kheaa, and Kentucky Higher Education have never paid ever and are well over 7 years old. They continue to update the payment history eventhough for the 4 accounts this is also not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: KY

Complaint narrative:
The credit bureau did not remove for inaccurate closed accounts from my report. The accounts are well over 7 years old, wrong payment history and reporting as either paid recently. These accounts have never been paid by me or own by me. I dispute these accounts over 3 weeks to get a re-dispute that still is not accurate. Both Kheaa, and Kentucky Higher Education have never paid ever and are well over 7 years old. They continue to update the payment history eventhough for the 4 accounts this is also not true.

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 2020-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was in the local Wells Fargo branch over a month ago requesting tax statements for me for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was XXXX in Georgia from XX/XX/XXXX to XX/XX/XXXX and am now just getting the chance to gather prior year documentation. 
Please note, I closed all of my bank accounts prior to my XXXX, including those at Wells. I had no open accounts at Wells Fargo during XX/XX/XXXX, yet I received an Wells1099 for the year indicating an income of {$690.00}, which the banker who provided me the document was unable to explain but Wells now cites as originating from a bond that was manually redeemed by Government Reporting. in their letter 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 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Repeated, harassing calls CONSTANTLY! I have asked multiple times to stop calling so much and only to call once a month and to leave a message for me. They then have contacted my work, some of my friends, some family members and ex-family members as well about getting information and it stating they are a debt collection company. I have written a letter on XX/XX/XXXX for them to cease all calls to everyone except for me, including not calling my work phone as well. and to ONLY call ONE time and leave a message with ME. I have still received calls, but they are addressing a family member on my voicemail. when I called in they said my name ( not the family members name ) and I asked so who exactly are you calling for and they would not say. I am wanting to see if I can take legal action since they have disregarded my letters.

Company response to consumer: Closed with explanation