vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I received a loan offer in the mail for a company called Regional Finance Corporation of Texas. The single worst evidence of predatory lending I've ever seen in my life. In these uncertain times with millions of people out of work it made me angry enough to take the time to report these scumbags. 

A {$1400.00} check at the bottom of the page. A real check, all you have to do is deposit it, which I am pretty sure is, or at least was, illegal. I wasn't about to take a loan from some random company, but there are people out there desperate enough to do so. Out of curiosity about what I was sure was ridiculously high 30-something percent interest rate I flipped it over. 69.99 % APR!!!!! Plus {$890.00} in processing fees!!! That comes out to repaying the loan to the tune of {$3200.00}!!! How is this not wholly illegal! I'm disgusted by the rank greed of these people trying to take advantage of struggling Americans in this time of national crisis. Please take action against these terrible people. 
Here is the contact info for the company. 

Regional Finance Corporation of Texas XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Sometime around the end of XXXX there was an unauthorized person added as a joint owner to my Chase account. As I later found out, another customer with the same name as mine wanted to add their spouse to their account. However, an employee of JP Morgan Chase failed to perform a proper identity verification and added them to my account instead. As a result of this negligence, this unauthorized person had a complete access to my bank account for over 2 months. They used the account as their own, including changing mailing address, performing withdrawals and deposits, etc. Finally, over 2 months later when I noticed my statements wouldn't come in anymore, I contacted the bank and they removed unauthorized person 's access and reverted the unauthorized transactions. 

I can provide the supporting documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Prior to XX/XX/XXXX XXXX XXXX was correctly reporting an old account accurately as a " charge off '', however as soon as I applied for a mortgage, XXXX XXXX began to report this information as " new and past due '', in a deliberate attempt to prevent me from obtaining a home loan until this account was paid! The account with XXXX XXXX was reported as a " charge off '' in XXXX 4 years ago and prior to XX/XX/XXXX was accurately showing that way on my Experian credit report. My lender and myself called to verify the date of charge off and it was confirmed as XXXX. With the inaccurate reporting my credit score plummeted 40 points, I believe this was an attempt by XXXX XXXX to try to collect on a previous debt and their action was deliberate This account is not new and should not be showing that way on any credit reporting 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 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
2 years ago I purchased XXXX in my apartment complex and paid for the installation fee and all fees that applied. My apartment complex notified me shortly after we could not have a dish in my location and I was unaware. I called XXXX and explained the situation and at the time they were very understanding and I had a XXXX balance. I turned in all boxes and remotes and got XXXX cable shortly after. Come to find out this collection on my credit report shows up recently 2 years after and they said it was from XXXX. I explained the situation and they said rudely we dont care just pay your bills. Very unprofessional and I just couldnt believe 2 years later they are being this unprofessional when I truly wanted the service but was unable to carry them on my property. This was never about paying a bill. They charged me XXXX for an early cancellation fee even though they assured me this wouldnt happen. 
Solution- I would like this false charge removed from my credit report immediately and for them to conduct good business. This is definitely an unfair charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/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 explanation
Consumer complaint received 2020-06-16 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/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 explanation
Consumer complaint received 2020-06-16 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: Nelnet, Inc.
State: NY

Complaint narrative:
In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several closed student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. 

Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: CO

Complaint narrative:
As of XX/XX/2020 I placed a dispute through Experian that my credit card balance with XXXX XXXX ( XXXX XXXX ) is still reflecting an inaccurate balance of {$250.00} when this was paid in full as of XX/XX/2020. Today is XX/XX/XXXX, and my dispute was completed with the same balance that XXXX XXXX reported with the same inaccurate balance. 

I tried calling XXXX XXXX customer service to speak to a supervisor to have the balance information updated but was spoken to rudely and refused on several fronts.

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 2020-06-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX. Inquiries : XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I purchased an item using XXXX, the total of the purchase is {$24.00}. On XX/XX/2020, I opened a dispute with XXXX because the seller sent me the wrong item, I returned the item to the seller, the seller is from XXXX so the item is only able to be tracked in the United States. I was told at the post office that once the item reached XXXX, that I wouldnt be able to see the tracking information being updated because they didnt have control over it. I provided XXXX with the tracking number on XX/XX/2020. The tracking information is stuck on XX/XX/2020 and it wont be updated for this same reason, I believe that the seller has already received his item and I still dont have my money refunded to my PayPal credit account. The tracking number is 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 monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/XXXX, I made a transfer from my XXXX XXXX XXXX account into my XXXX XXXX Account. This transfer amount was for {$25000.00}. The transfer was processed and credited into my XXXX account on XX/XX/XXXX. Later once the transfer cleared, I requested XXXX XXXX XXXX to close my account, which had approx less than {$1.00} remaining. The next few weeks, everything was normal and I has no issues. I had about 60 % of my cash savings held at XXXX. 

On XX/XX/XXXX, XXXX XXXX decided to temporarily lock my account and requested I call them to get this unlocked. I decided to call XXXX on XX/XX/XXXX, which was the only day I had time to get this resolved and had to wait over 20 minutes to reach someone. After, reaching someone, the customer representative explained to me that they locked my account because they were unable to verify that the funds that were deposited on XX/XX/XXXX came from an account under my name. I can confirm that the money from this account did get sent from an account belonging to me and is in my name ( see attached screenshot for proof ). After about 40 minutes, I was told that the only way this lock can be removed was by getting this money reversed back into my old account. This is the same account I closed. Even after explaining this, they stated, unless the money was reversed, there would be no way they could unlock the account. As such, I requested to speak to a supervisor and was told someone would contact me the following business day. On XX/XX/XXXX, I received no phone call. I called back a spoke to another customer representative and decided that as they held my funds hostage, I had no choice but to get the money transferred back to my closed account. I spent another 20 minutes speaking with XXXX XXXX XXXX about how they would get the money back to me, however that conversation yielded no answer apart from, we can tell you once the money hits our account. So on XX/XX/XXXX I called XXXX and spent another 15 minutes on hold and reluctantly provided authorization for them to reverse the funds to the closed account. 

So far, I'm very unhappy about this. Had there been an issue with the naming on my account, this should have been caught way before XX/XX/XXXX and if they did have this issue I could have provided proof that the account was in my name. In addition, if they were not happy with the proof, at least the account would be open and that would ensure that I can easily have access funds once the reversal was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
When I signed up with the company I was told there would be no additional fees. Also, I was never told that the company takes their settlement fee first and then pay the creditor. It seemed like a scam that freedom debt relief paid themselves before they paid the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : I DO NOT OWE BBVA BANK NOR XXXX XXXX XXXX XXXX. BBVA BANK IS IN VIOLATION OF 15 USC 1692e ( FAIR DEBT AND COLLECTION ACT ), VIOLATED REGULATION E ( PLEASE READ ), AND COMPROMISED MY PRIVATE AND PRIVILEGED IDENTIFIERS.

( 1 ) REQUESTING RE-REVERSAL OF PERMANENT CREDIT ( XXXX ) FOR {$58.00} ; THUS, CREDITING THE BBVA CHECKING ACCOUNT {$58.00}.

( 2 ) REQUESTING BBVA REMOVE THE EXTENDED OVERDRAFT SERVICE FEE CHARGE OF {$23.00}.

( 3 ) DEMANDING REFUND OF {$6.00} WITH ACCRUING INTEREST ENDORSED TO XXXX XXXX XXXX. WITH CLOSURE OF BBVA CHECKING AND SAVINGS ACCOUNT IN GOOD STANDING AND REMOVAL FROM ANY DEBT COLLECTORS.

Sincerely and Respectfully, XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was being financially scammed and fraud between XXXX to XXXX. My personal identity being a fraud in many fraudulent bank accounts in the U.S. which involved big scammers groups. 
Myself, my family, and my friends being scammed for over {$200000.00}, the scammers involving in job and housing providers. And I already had police reports and other reports at the state and federal levels, and criminals would be injustice one day. 
Criminals applied a load in Wells Fargo bank account online, I did not apply this load. 
At the beginning of XXXX, I was frustrated with dealing with many fraudulent bank accounts, and I paid two months ' payment for this load. The police officer told me the case investigation will take some time, so I stopped payment and tried to contact with Wellsfargo bank. 

Police report case # XXXX Police investigator : Mr. XXXX, phone : XXXX Federal Trade Commission case # : XXXX Police investigated 6 criminals and 3 criminals bank accounts. 

One of criminal has a WellsFargo Bank account. 
Account Name : XXXX XXXX Account Number : XXXX Swift Code : XXXX Routing Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I deposited money into this criminal bank account, I hope WellsFargo help the police and Federal Consumer Bureau investigate this account. 

The fraudulent loan account ending in XXXX I request Wellsfargo investigate this fraudulent loan application and refund the payment that I already did in XXXX and 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 monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: GA

Complaint narrative:
{$1500.00} was taken off my cash app card and the person was claiming to be an associate with cash app and they were going through the process of enabling my card that they temporarily disabled and suddenly the person I was communicating with disappeared along with my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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:
In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several closed student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. 

Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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:
In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several closed student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. 

Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.

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