vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that is it impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
1 ) An ordinary monthly payment stated by and due to American Express was made in full by this 30+ year Amex cardholder on XXXX XXXX, XXXX. 
2 ) The amount due was {$580.00}. 
3 ) American Express received the payment made by check on XXXX XXXX, XXXX, and deposited the check on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, American Express emailed that they had received and been credited this payment. 
4 ) Nonetheless, American Express is falsely claiming through XX/XX/XXXX that this {$580.00} payment still is due. 
5 ) American Express is engaging in this billing fraud and billing harassment via email messages - including threats of credit bureau reports - USPS mail and during phone calls made to gain a corrected payment statement. 
6 ) Most recently, American Express mailed an unresponsive reply to my Amex-webmailed billing dispute, with a letter from XXXX XXXX that stated the {$580.00} was paid -- and still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: MN

Complaint narrative:
Not my accounts

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 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lending Club Corp
State: MI

Complaint narrative:
I have 2 voicemails on my personal cell phone and one voice  message on my work phone on XX/XX/2019. On my personal and work voice mail he stated that the call was a legal notification of a petition for a civil judgement in the petition for garnishment of wages filed in his office against me. That he was an advocate for me and that I needed to reach quickly if I wanted any sort of assistance from them prior to the judgement filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was surprised when reviewing my credit report and found a late reported a 30 day late in XX/XX/2019. 
I am not sure how this is reporting, since according to REG Z I should have gotten a notice from Bank of America letting me know that my account is late. I did not get any notice.

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 2020-01-08 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I contacted PayPal to inform them on XXXX XXXX, 2019, that a credit card was on my Paypal account that was not mine. I also informed PayPal there was a balance of {$1900.00} that is not my money and this is not my credit card. The representative said they would handle this. Then I receive an email from PayPal stating I owe a balance of {$970.00}. I do not know why this was happening to me when I reported this credit card on my PayPal account. I then contacted my monitoring service to see what to do. I was told to file a police report which I did and get all the documents together to prove my case. I also contacted the bank that PayPal uses to see if they could give me more information on this account that was now tied to my Paypal account. I called XXXX XXXX XXXX XXXX  and was told this bank is set up through XXXX which is like a XXXX XXXX account and there were other charges that were made on this account. The charges started on XXXX XXXX, 2019, for the amount of XXXX cents and XXXX cents. These charges were never shared with me through PayPal. I also had my monitoring service file a dispute and a dispute package was sent with my documents proving I did not add this account to my Paypal or open this account. My monitoring service has not been able to speak with PayPal even though the power of attorney was submitted by certified mail and also by fax.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and  these line items need to be removed from my credit report. I have contacted the bureaus to remove these 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 2020-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Reliant Financial Corporation
State: AR

Complaint narrative:
Almost every payment I made to this company was for more than the amount due. I thought that was a good way to pay it off sooner. I found that not only was it not being applied to the principal, it was miscalculating the interest as well. In addition, they frequently would charge me a fee for not having insurance. I have always had insurance. The insurance company would send them proof of insurance, as would I and they always said they didn't receive it until about the 5th time sending it. After that they would reverse the charge for the fee for not having insurance. Except once .... they charged me {$1200.00} for not having insurance, which I had, and didn't reverse it. 

They then proceeded to sell my loan to another company for the wrong amount. Now I am down to 2 last payments. I have paid more than owed for 4 years. My payment amount is {$310.00}. The current loan company says I still owe {$1900.00} after my last 2 payments. How is this possible when I never missed a payment and I paid extra every time? I went through the statement and their calculations are an absolute mess. Now I have had an accident moving cross country and the car has been totaled. The insurance company has to pay off the loan before paying me and there is a {$1900.00} error and their accounting is so screwed up that i can not even calculate their figures except to see the that the extra I paid every month did NOTHING to help me at all. Statement attached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX I spent {$2700.00} last month and I paid you {$2700.00} last month. Please reverse the invalid {$29.00} in interest charges per CFPB rules. 

If this is the Chase official answer than Chase is breaking the rules of fair dealing and clear consumer explanations. 

Facts : THIS CHASE POLICY IS NOT CLEARLY EXPLAINED TO THE CONSUMER 1 ) I have not had a promotional interest rate before from Chase, ( you can check ) so how would I know about this not explained rule. 
2 ) I HAD AMPLE CREDIT AVAILABLE TO ME ON OTHER CHASE CREDIT CARDS, SO WHY WOULD I THEN USE THIS CARD IF I KNEW IT WAS GOING TO COST ME {$29.00} ANSWER I DID NOT BECAUSE THIS FEE WAS NOT CLEARLY EXPLAINED BY CHASE BEFORE IT WAS CHARGED.

3 ) ALL OF THE EVIDENCE SHOWS THAT CHASE HIDES THIS FEE FROM THE CONSUMER AND DOES NOT CLEARLY EXPLAIN IT - THAT IS FRAUD AND IT IS FEDERALLY ILLEGAL UNDER FEd BUREAU LAWS. 

BECAUSE THIS CHARGE IS ILLEGAL UNDER CFPB LAWS WE WILL ALSO FILE A SMALL CLAIMS LAWSUIT IN XXXX FOR THE DAMAGES WHICH WILL FAR EXCEED THE {$29.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: U.S. BANCORP
State: CA

Complaint narrative:
I am contacting you as Fidelity credit card has cancelled my account. Their decision was based on a theft that occurred. I had packages delivered to my front door which were stolen. I have a police report to prove that this occurred. Elan Financial has made several errors to my account plus made errors making payments for overpayments to me. 
The decision to close the account was based on the theft which occurred. ( I have a police report for this and the company has hurt me due to theft done against me ) I am having issues with the credit card company as they are now not treating me fairly and now being faced with several issues that they are not being fair. 

I'm going to be negatively impacted due to their closing of the account. I am upset as this will impact my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit inquires from unknown sources shared without my consent

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 2020-01-08 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: CA

Complaint narrative:
Citi Card Online has been making attempts to withdraw a payoff balance on my checking account three times now. The balance is from a credit card account owned by my mother and we originally had my bank account information listed to take out payments ( not for payoff ). However - my mother wanted to payoff the entire amount & mistakenly requested that from the bank that was listed on the credit card account, which was mine at the time. 

It was attempted twice, so my mother called Citi Card Online to make the change. The representative told her that the ONLY thing she could do was to have myself make a stop payment on my bank account - so that the payment request would bounce back to Citi Card Online. Ultimately, this meant I had to pay the fees for a stop payment with my bank so that Citi Card Online could stop the withdrawal attempts for an account that is not owned by me at all just because we had my bank account listed for monthly payments to be made. 

I called Citi Card Online myself to file a complaint - the representative, as it should be with privacy, told me I was unable to access the account without the account holder present, but I just wanted to leave a complaint regarding this issue. The representative then informed me, over a recorded phone call, that a stop payment with my bank was unnecessary and that Citi Card Online could just as easily have changed the bank account information and stopped any future attempts to withdraw from the previous bank account. My mother was NOT told this and she was told the only recourse was that stop payment with my bank. I have now had to spend over {$110.00} ( {$58.00} was returned to me generously by my bank, for the overdraft fees - but they are unable to remove the third attempts fee ) for an account that would have been properly paid off had they just told my mother that she could change the banking information, instead of advising her that a stop payment should be made on the bank account that was on file.

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 2020-01-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit inquires from unknown sources shared without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I called my mortgage company XX/XX/XXXX to make a payment as i was having troubles making a payment online through their website. I was told by a representative that i could make a partial payment of my total balance of that month and that i could make the payment difference by XX/XX/XXXX to not receive a 30 day late report on my credit. I attempted to make this payment by the XXXX while on vacation but was unsuccessful again with their online site. I called customer service to make the payment and opted to receive a call back because the automated system said there was wait times were longer then usual. Because ive done this before with this company and have received a calls back, but this time i didn't. I never received a call back for XXXX hours and when i did it was the automated system asking me to call them back. So i did and after going through verification i was told it was after business hours and i would need to call back the next morning which was difficult as I was leaving on a flight that night out of the country. I was not able to call and i was still having trouble making this partial payment of the difference on their website while out of the country so was left with any other choice but to contact upon my return. I called again as soon as i return to the states as i got off my plane before my next connecting flight, and spoke with a representative who was very rude and continued to cut me off as im explaining the situation and after confronting her about raising her voice she yelled and said " I could talk to you however i wanted '' and hung up on me when i requested to speak to a supervisor. I called AGAIN right after this to continue to make the phone payment, and then a representative informed me that partial payment should not have been taken in the first place and that's not how the company operates. I request to speak to a supervisor again in hopes to make my payment and hopefully get some resolve with the credit reporting, and was told i would receive a call back within the hour. I did not receive a call back once again. Upon finally returning home i call again and this representative also confirms that no partial payments should have been taken and that i was given wrong information and i proceed to make the with them as days have gone by of no returned phone calls from supervisors and it is only hurting my chances of fixing my credit further. The representative ensures me that i would get a call back within the hour, and AGAIN this does not happen. I have finally spoken with a supervisor today who was very kind but says they couldn't reverse or update the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
FRAUDLANT LOAN WAS PLACED IN MY NAME APPROXIMETLY 13 YEARS THROUGH TOYOTA FINANCIAL AND THEN THE ACCOUNT WAS PASSED ON TO XXXX AND XXXX AND NOW MY WAGES ARE BEING GARNISHED BECAUSE OF IT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: KY

Complaint narrative:
Experian has not started my investigation of my disputes sent them back in XX/XX/2019. They are in violation.

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 2020-01-08 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:
There are 3 accounts on my credit report that do not belong to me. The accounts were opened in XXXX & XXXX for the amounts of {$11000.00}, {$1900.00} & {$80.00}. None of these accounts belong to me and I did not give anyone permission to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NC

Complaint narrative:
In XXXX of XXXX, a Direct Express customer service representative notified me of suspicious activity involving my account. The representative placed a hold on my account and a new card was mailed to my address. The representative assured me my account was secure again, however soon after this incident, I noticed money withdrawn from my account without my authorization. I notified Direct Express via phone of the fraudulent activity as soon as I became aware in XX/XX/XXXX, and a customer service representative notified me they would investigate my claim. I noted transactions on my bank statement that were not my authorized transactions and mailed this information back to Direct Express. 

The investigative process into my claim was frustrating as various customer service representatives gave me contradicting information regarding my claim. Furthermore, money continued to be fraudulently withdrawn from my account during the investigative process and even into the next year XXXX ; I would notify Direct Express each time I became aware. Some of the fraudulent transactions included hundreds of dollars being withdrawn at a single time. Direct Express website has constant technical difficulties which makes it difficult for me to check my account online and receive my bank statements quickly if I needed a copy. 

I relied on the customer service representatives at Direct Express to give me accurate and timely information regarding my account because I am not technology savvy. The times I have attempted to view my account information online regarding this matter, Direct Express website was not functional. To my knowledge, the investigation has been left incomplete and Direct Express has failed to reimburse my account with any of the funds stolen. 

My life has been completely turned upside down due to not being able to resolve any of my claims of fraudulent transactions with Direct Express and get any of the money back that was stolen from my account. I see that others have had the same issue with Direct Express. I hope something can be done so that other people in the future do not have to suffer the losses that myself and others have.

Company response to consumer: Closed with explanation