vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 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:
My car broke down so yesterday XX/XX/20 I went to the XXXX dealership and they ran my credit to see if I qualified for the auto loan but I was told I was not approved because of three accounts reflecting badly on my credit history. I looked through my credit report myself to see what accounts they were talking and I realized none of those accounts are mine. I never opened them and I didn't give anyone permission to open them in my name. The accounts are from XXXX XXXX, XXXX XXXX XXXX XXXX & US Bankruptcy Court-XXXX XXXX. I am not responsible for any of these accounts nor do I have any type of written/verbal contract with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit.

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 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander Consumer USA loaned me {$16000.00} in 2016 with a variable interest rate. Also my monthly payment is applied ( 95 % to interest, 5 % to principal ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian will not lift my credit freeze. The website shows it is unfrozen, but a mortgage company is still unable to pull my credit.

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 2020-05-22 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: MS

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 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 XXXX, XXXX Company Inquiries 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 2020-05-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 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 XXXX, XXXX Company Inquiries 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 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Total Card, Inc.
State: MS

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on credit card. 

XXXX/TOTAL CRD I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX reported me being delinquent. It was over a {$3.00} membership fee I was not even aware of. That lowered my credit score and then showed me at 99 % .on time payments instead my always 100 % on time. I called XXXX XXXX months ago and they said the would correct that information to the credit bureaus. They have not and still shows the same. I find this very unfair and I do not deserve this status.

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 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I initiated an international wire transfer of XXXX EUR from XXXX  U.S. based business to a business based in XXXX who is doing work for my company. Chase stated that the funds would be available by no more than 5 business days past the transfer 's initiation. The transfer was never submit, it spent days calling them trying to figure out what happened to my transfer only to get repeatedly told that the transfer is under review and the department reviewing it is either closed or just can talk to me. I was finally able to get a hold of a supervisor who informed that the country I was sending the funds to ( XXXX - where our family is based ) is now considered a high risk country and transfer was rejected. Never once did I receive any communication from Chase that it had been rejected. I also had been able to complete a wire transfer of {$30000.00} with no problem, less than three months earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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 have a XXXX XXXX bill that I've gotten help to contact them and they are still leaving a debt on my credit that is not mine. Please do what you can to make sure they remove this from my credit report. It stopping me from buying a home at a decent rate.

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 2020-05-22 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 have a XXXX XXXX bill that I've gotten help to contact them and they are still leaving a debt on my credit that is not mine. Please do what you can to make sure they remove this from my credit report. It stopping me from buying a home at a decent rate.

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 2020-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/2020 I received a call from XXXX, they did not leave a voicemail. 
On XX/XX/2020 I received a call from XXXX, they left a voicemail at XXXX looking for a someone that I do not know. 
On XX/XX/2020 at XXXX I called the individual back and told them I do not know who this person is. They didn't ask me any other information, nor do I know what the debt was for. I then blocked the caller. 
On XX/XX/2020 at XXXX I received a notification from my phone that the caller from XXXX attempted to call me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/2020 I have disputed a bankruptcy that Lexis Nexis is reporting that they verified first hand from the XXXX District Court. I have attached documentation from the XXXX Court that they Do not report to any third party agencies. I have also disputed the bankruptcy information that XXXX, XXXX and XXXX is reporting as the information was verified by Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX, during the Covid-19 pandemic I contacted Citi Visa ( card obtained through Costco ) and asked if due to the financial strain associated with Covid-19 if I could have no interest charged to my credit card. I offered to make the minimum payment and then pay off as I could. The Visa representative named " XXXX '' told me I could have 2 months without interest. On my next statement I was charged {$73.00} interest. I called Citi and spoke with " XXXX '' and was told their notes said I received Covid-19 relief which is that the payments were waived for two months and there would still be an interest charge, I also talked to a supervisor " XXXX '' who said she would not adjust off the interest. This is contrary to what I was told by the representative.

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 2020-05-22 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: Nelnet, Inc.
State: VA

Complaint narrative:
Great Lakes reported to credit agencies that my loans were deferred instead of in active repayment. This was done in their attempt at compliance with the CARES act, but it should not have been reported as in deferment. This caused my credit score to drop 29 points as reported by XXXX. I do not know if my credit will continue dropping or bounce back, but this is not acceptable from a financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
It happened a second time in a row ... just filed another complaint yesterday. Today 's case makes a total of FOUR instances in as many months. The sum of {$1100.00} was deducted from my US account on XXXX XXXX. On XXXX XXXX I received the below notice that transfer was in progress. Today I noticed the entire transaction completely disappeared from my MoneyGram account. I initiated chat to complain and was told my receiving bank, XXXX XXXX, rejected both this transaction and the one I complained about yesterday. I then called XXXX XXXX and was told no such transaction was rejected, and each MoneyGram transfer I have made since XX/XX/XXXX occurred without incident until now. One of the most concerning things is that these transactions completely disappeared from view until I complained. After complaining, a screen refresh returned both to my view. Just how long were these funds going to stay in cyber balance until I was contacted? In both cases, the transactions were not marked " cancelled '' and confirmation emails sent until I insisted on having cancellation reference numbers. /// XXXX XXXX confirmation message follows : Transaction Receipt : Your money transfer has been sent successfully and will be deposited to your receiver 's account or wallet as designated. 
MONEYGRAM PAYMENT SYSTEMS, INC.

XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CDT Sender Information Name : XXXX XXXX Phone : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, US-VA XXXX , United States Receiver Information Name : XXXX XXXX Expected Destination : XXXX XXXX Receive Option : Account Deposit Receiver Account # : XXXX Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX USD Transfer Fees : XXXX USD   Transfer Taxes : XXXX USD  Total Cost : XXXX USD  Debit From Bank : XXXX XXXX Exchange Rate : XXXX USD  = XXXX XXXX   Receive Amount : XXXX GBP  Other Fees : XXXX GBP Other Taxes : XXXX GBP Total Receive Amount : XXXX GBP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX reported to credit agencies that my loans were deferred instead of in active repayment. This was done in their attempt at compliance with the CARES act, but it should not have been reported as in deferment. This caused my credit score to drop 29 points as reported by XXXX. I do not know if my credit will continue dropping or bounce back, but this is not acceptable from a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-22 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: AR

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 already taken action to prevent anyone else from trying to open anything else under my name.XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: LA

Complaint narrative:
I started an account with Conn 's XXXX for a XXXX refrigerator. Once the account was established it had a sectional on it that should've been removed. I have requested that that account be closed out, this hasn't been completed, instead they opened another account with just the refrigerator. Now I have XXXX accounts XXXX that is reporting a {$6000.00} balance that is incorrect. The account with just the refrigerator was paid off XX/XX/XXXX but is still showing a balance due to interest. The interest promotion was to be reinstated because the duplicate account was making my true account show past due, maintaining a current account is a stipulation. The payment amount for the {$6000.00} acct was {$250.00} but to the only refrigerator act was {$90.00}, I started making the {$90.00} payments and started being reported as past due. have had numerous cases to resolve but they have gone unworked. The latest is case XXXX, that I'm being told will take XXXX business days but I am being reported to the credit bureaus for being 180 days late on XXXX accounts, XXXX that should've never been established and XXXX that is paid off but need adjusting for interest. The representative calculated and quoted me the payoff amount manually because the case still wasn't worked from XX/XX/XXXX. I filed credit disputes and the company responded back promptly that the information was correct despite cases that are open on my account proving otherwise. I find it strange they weren't able to work my case but had the ability to respond fraudulently to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc.
State: MI

Complaint narrative:
I received a direct deposit from Michigan unemployment my cash app account. I was able to use the card that I had requested from cash app to make three small purchases. After which point they have frozen my account and only access to funds. I have reached out to the company via email and XXXX as they have NO phone number for contacting a human representative. I have not gotten a response as to the issue or a solution. It has been over three days since my initial contact with the company and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had a credit card for 11 years or so with Capital One at 7.9 %. I didn't use it for over 2 years and I received an email that they have closed my account without letting me know. This affects my credit score tremendously and I would have like to keep it. I called several times to customer service and they are unwilling to help me. Could you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: CA

Complaint narrative:
I was at the XXXX dealership on XX/XX/2020 and when I had my credit ran to see if I qualified for the auto loan I was told that I was not approved because there were too many accounts in negative standing appearing on my credit. I was somewhat confused to hear this because I have never let any of my accounts or loans get negative so I looked through my credit report and I saw XXXX accounts that I never opened. The accounts are from these companies. XXXX & US Department Of Edu. None of the accounts I listed on this report belong to me and I did not give anyone permission to open these accounts on my behalf ; I do not have any agreement or affiliation to any of those companies and I did not gain anything as a result of those accounts being open in my name.

Company response to consumer: Closed with explanation