vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I submitted my application for the PPP loan program of the XXXX at Wells Fargo on Saturday, XX/XX/XXXX around XXXX EST. I checked the last time at XXXX EST that morning and the portal was not available. Therefore I applied within two hours of the portal first opening. A fellow Pennsylvania franchisee applied at XXXX EST the same day, or around two hours after I did. He received his approval and funding on Wednesday, XX/XX/XXXX and I haven't even received a confirmation of my loan approval yet. 
I was told by a Wells Fargo representative that the loan process was done completely online and was not using any filters, but was processing application in chronological order. Obviously, that is incorrect and the only difference between me and the other franchisee 's business is that he started two years ago and I am a first-year business. Therefore, Wells Fargo must have used a risk filter to pick which applications it was approving. This appears to be an unfair practice to me and I might now be forced to shut my business down, since I can't cover payroll much longer.

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. Cbna I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. It's really affecting my credit score and my ability to get further 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 explanation
Consumer complaint received 2020-04-20 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: HI

Complaint narrative:
I call transunion many times. Sent letters try to dispute the information I ask them to send Mov. Everything plan the 15 days and 30 days

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 2020-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Docuservpro dba Simple Repayment
State: CA

Complaint narrative:
I have student loans and I went through a third party called simple repayment thinking they would help me forgive my school loans and they told me my loan debt would be removed after some time so I was making XXXX dollar payments every months since the year of XX/XX/2018 until about last month when I called my loan service XXXX  and they told me my balance is the same and I wasnt making any payments.They told me theres nothing you cant do that simple repayment can do. I tried calling them for months and no answer, it goes to a voicemail and theres no online website where I could check to see how much I owe these were clearly fraudulent claims and I still have to pay off my school loans directly through XXXX and need help getting my money back that was going absolutely no where but to simple repayment.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-20 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: HI

Complaint narrative:
I call Experian many time. Sent letters

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 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have called Conn 's to tell them am temporary laid off due to the conoviris and let them know that I cant make the payment .and the rep I spoke to was very rude and used fowl foul language and what my credit card number and I told them I wont give that infomation because I didnt one time before and the they take money out of my account without my authorization makes me think that these people dont work for the company since they supposed say thier named and all they want to do was agree and fight with him and asking me personal question about my finances which is no of thier business and told me that the need money for thier family and called sob .this not right. This not the way to business plus I had a tv stolen and they refource to replace after we give them the police department. And won't lower our payment because we dont have the tv.not a way to do business. And get better customer service reps.and they I never agreed to make double payment and claim that we behind which are not. Am tried them not working with me and keep messing up my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 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: TX

Complaint narrative:
everytime i dispute information with XXXX  and experian they never properly investigate the accounts they always come with results that they investigated it in 3 days they never explain to me the investigated results who they talked to nor show me proof of ownership and signatures required by FCRA and updated copy reports they never properly investigate and because of that i have bad credit due to Identity theft!! they say they investigated the accounts within not even a weeek they always give me the run around and not help meee i have submitted police reports and documentation to proof that the accounts or information is wrong and they still decide to say that the accounts and info is correct especially XXXX  is a headache and experian neveer had a problem with 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 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This will be my third time placing a dispute with Experian in regards to the accounts that Experian is falsely reporting to my credit file. I have a filed a report with the FTC, and sent this information into Experian I have since gotten no response from Experian about the reason why they have not removed these false accounts from my credit file. XXXX suffered a large security breach which caused great damage to my life as well as my overall credit file. My information was used to open several accounts that are still affecting me in a major way. I am distressed that these accounts have been included to my credit file, and Experian has failed to maintain reasonable procedures to make sure my credit file was accurate. I am now moving forward to sue Experian in small claims court in 8 business days if these accounts are not removed from my credit file as soon as possible. 

The FCRA requires Experian to verify the validity of each account within 30 business days, I have not heard from Experian and they have not verified this account to me by sending me verified information that proves the following accounts should be listed on my credit file. The following accounts should be removed from my credit file as soon as possible. ( 1 ) XXXX XXXX {$450.00} and ( 2 ) XXXX XXXX XXXX {$1700.00}

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 2020-04-20 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: TX

Complaint narrative:
everytime i dispute information with equifax and experian they never properly investigate the accounts they always come with results that they investigated it in 3 days they never explain to me the investigated results who they talked to nor show me proof of ownership and signatures required by FCRA and updated copy reports they never properly investigate and because of that i have bad credit due to Identity theft!! they say they investigated the accounts within not even a weeek they always give me the run around and not help meee i have submitted police reports and documentation to proof that the accounts or information is wrong and they still decide to say that the accounts and info is correct especially equifax is a headache and XXXX  neveer had a problem with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I've placed an order with XXXX for the amount of {$670.00}. During the check out online, I initially tried to use my Chase VISA XXXX to pay the due, however, the card was declined with the customer support phone number posted above. Which I've called. XXXX 's representative XXXX XXXX told me that I should try once again and if the card won't go through, I should try another payment method. I've brought to her attention, that nevertheless the check out wasn't successful I see a pending charge for the amount of {$670.00} on my Visa XXXX account. XXXX XXXX assured me that the charge either won't be posted or if it would be posted I should expect a credit for such amount issued to my account from XXXX. So I've tried my XXXX XXXX ending in XXXX and successfully check out ( SEE ATTACHED ). Then I've received a confirmation email with an XXXX shown as a payment method ( SEE ATTACHED ). Nevertheless, couple days after I've noticed that the charge had been posted on my VISA XXXX account so I've waited couple more days expecting a credit to be issued, which never been placed into my account. 

After calling XXXX via XXXX I was told to expect a call from a supervisor officer to my XXXX cell phone number who assist me with this situation further, which I've never received, therefore I've filed a dispute, which had been rebutted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX Bank - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. Capital One- XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
This account just recently showed up on my credit report. I was not made aware of this company or the amount that they are claiming that I owe. I haven't received any notice in regards to this the company just reported straight to my credit report. This company claims I owe {$1200.00} as of XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/20 & XX/XX/20 I wrote Transunion a dispute letter on items reporting inaccurately on my credit report. They in turn wrote back on XX/XX/20 that items were verified correctly. I know my rights as a consumer so I in turn wrote another letter on XX/XX/20 asking for their method of verification. On XX/XX/20 Transunion wrote back that a third party is insisting me and will not pretty much respond to my inquiry. This is baffling because I am a consumer and know my FCRA rights, now I am writing to put in a formal complaint as they are in violation for completimg my dispute and using a stall tactic.

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.

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 2020-04-20 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. Hsbc Bank Usa Na- JXX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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:
Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX This is affecting my credit score and being able to get approved for credit cards.

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 2020-04-20 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:
Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX This is affecting my credit score and being able to get approved for credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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:
Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX This is affecting my credit score and being able to get approved for credit cards.

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 2020-04-20 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 — Card was charged for something you did not purchase with the card
Company: CARD Corporation
State: OH

Complaint narrative:
I called the number provided on the back of my card to obtain my balance information. When prompted to enter my social security number and zip code it told me my information did not match. I reached out to Card.com via email to try and figure out what happened on XX/XX/2020. I had to contact them this way because if you can not verify your identity via phone it will not let you through to a customer service representative. When the customer service representative replied via email I informed her of my problem and she told me she would not be able to further assist me via email and insisted I call the number back. I then reiterated my problem again via email and that my account had been hacked, she never replied again. I waited a few days fo a response and got nothing. I emailed Card.com once again on the morning of XX/XX/2020 and I still have yet to receive a response and now the balance on my account is at XXXX it has been completely wiped out. Resulting in me losing {$1500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This will be my third time placing a dispute with XXXX  in regards to the accounts that XXXX  is falsely reporting to my credit file. I have a filed a report with the FTC, and sent this information into XXXX  I have since gotten no response from XXXX  about the reason why they have not removed these false accounts from my credit file. XXXX  suffered a large security breach which caused great damage to my life as well as my overall credit file. My information was used to open several accounts that are still affecting me in a major way. I am distressed that these accounts have been included to my credit file, and XXXX  has failed to maintain reasonable procedures to make sure my credit file was accurate. I am now moving forward to sue XXXX  in small claims court in 8 business days if these accounts are not removed from my credit file as soon as possible. 

The FCRA requires XXXX  to verify the validity of each account within 30 business days, I have not heard from XXXX  and they have not verified this account to me by sending me verified information that proves the following accounts should be listed on my credit file. The following accounts should be removed from my credit file as soon as possible. ( 1 ) XXXX XXXX  {$450.00} and ( 2 ) MEDICAL DATA SYSTEMS {$1700.00}

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 2020-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sallie Mae 's system does not allow the home address of the debtor to be different than the address associated with the debit card of the debtor. I have a P.O. box used for my debit card. This difference flagged my payment as I fraud and denied it. I could not figure out what was wrong and kept trying to pay but it kept not working. This caused me to appear late on my loan payments for 90 days and really messed up my credit. The payment is question was {$25.00} a month as I am still in school. My credit is damaged because of {$25.00}. The student loan is the first thing on my credit as I am still in school and now my score is low. I was on the phone was Sallie Mae for a few hours and got this all sorted but it seems like a fairly common thing to have different addresses ( especially for university students ) and should be fixed. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 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: HI

Complaint narrative:
I call transunion many times and sent letters ( dispute )

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Eagle Accounts Group, Inc.
State: OR

Complaint narrative:
Child support was was requested to be taken off XX/XX/20 completely from credit debt report and still shows dull amount.frombbeginning balance. Needs to be removed asap completely from debt report on 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