vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has a false amount tied to how much is owed on my mortgage company? I called my mortgage and the Customer Service Manager stated, : no one at the mortgage company busted up how much you owe, and our records show {$160000.00}. Experian has {$170000.00}, which is inaccurate. Please have them fix my report. 

Experian also have some collections on my account I do not know of or should have been removed. Items on my credit report has been on my record over 10 years. 

Not one item on my XXXX  report are accurate. All collection accounts have been paid and the agency stating removing them however they just blow me off and drop my credit score by XXXX points and then XXXX points there after. 

XXXX  have wrong information as well with collection actions, and incorrect amount om my mortgage company as well. This also dropped credit score by XXXX points and XXXX points. 

I have not missed payment with any creditor in the last 12 months. 

These companies are added fraudulent information to my credit report and stating it is the company. Not true it's them. My Experian score is tied to XXXX, and XXXX on my membership with Experian. I am been discriminated against these agencies to prevent me to get back on check to obtaining a very good credit score.

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 2019-06-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2019 at approximately XXXX XXXX  I received a direct deposit from ssi for the amount of {$770.00} and {$22.00} I then noticed that I couldnt take the money off my account because there were some issues with the card I then contacted XXXX XXXX XXXX customer service lady told me that my card was deactivated on my account I then asked her if she could activate the card so that I could withdraw my funds and she hung up on me I have bills to pay and children to feed I need help with this I then tried logging back into my account and it has locked me out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: CT

Complaint narrative:
Due to an Identity Theft problem in XXXX we placed a security freeze on our experian account. I have tried to lift the freeze with the pin provided for my account but the PIN I was given did not work. I then send a certified letter and form as specified on the experian website to receive a PIN. I submitted copies of SS card, drivers license and utility bill and bank statement to their address in XXXX TX as stated on their form which they received according to my tracking number from the US Mail on Wed, XX/XX/XXXX. They have NOT sent my temporary pin and I can not conduct the business I wish to without unfreezing. They do NOT have any way of contacting them except by this P.O. Box so I am held hostage by them. This is absolutely wrong. Please help me to resolve this issue. Thank you for any help you may provide.

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 2019-06-01 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: CT

Complaint narrative:
I have been disputing back and forth with experience, XXXX and XXXX regarding them reporting my XXXX XXXX account late since XXXX of this year 2019. This account along with my first premier account is included in my bankruptcy that they all are reporting as being dismissed when it was never dismissed it is now awaiting closing from the discharge of debt.

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 2019-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I've kept intermittent contact to include ordering a replacement card w/ Comenity Bank , the credit service for XXXX XXXX , over the last several years. Most recent contact was XX/XX/2019 when I received a new card based on my request filed online. I found out today, XX/XX/2019, thru the credit monitoring service XXXX, that Comenity chose to close my account due to inactivity. The reported closure took place XX/XX/2019. When I called the company the telephone prompts did not indicate any account closure, however, when I spoke w/ a representative they'd informed me that they chose to close my account XX/XX/2019, and I'd need to reapply if I wanted to have an account with them. I'd been waiting for a financially wise opportunity to utilize the card and had not had the need in the last 4 years so I'd not made a purchase - but I did keep contact to keep the account considered active as per my state 's regulations cited in : XXXX XXXX XXXX   According to Comenity, simply corresponding with them was insufficient to establish activity and not have the account flagged as an abandoned account. This has cost me 4 years of credit history and a significant decrease to my credit. It is illegal in the state that governs me, Washington, which was also the state where I originally opened the account. I've not received any communication whatsoever from XXXX regarding the account closure. I was never informed formally that it was closed - it took me contacting them to find out they'd closed it. They refuse to re-open the account, forcing me to reapply which would further adversely impact my credit score ( renewed account inquiry ) and I do not believe I'd qualify to re-open the account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Relief Center
State: IL

Complaint narrative:
Received letter of {$11000.00} open credit balance first time from NY base debt collector company address with XXXX XXXX phone number and again today received letter from Debt Relief XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, Massachuetts This is total harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Troy Capital, LLC
State: AL

Complaint narrative:
Back in XX/XX/2014 I lost my job and had to give back my car. They ( XXXX XXXX ) repossed it. I was served a summons to go to court by Troy Capital for the debt on the car. Ive never done business with Troy Capital before. I have a court date on XX/XX/XXXX for it.

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 2019-06-01 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: CT

Complaint narrative:
I have been disputing back and forth with experience, XXXX and transunion regarding them reporting my finger hut account late since XXXX of this year 2019. This account along with my first premier account is included in my bankruptcy that they all are reporting as being dismissed when it was never dismissed it is now awaiting closing from the discharge of debt.

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 2019-06-01 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: CT

Complaint narrative:
I have been disputing back and forth with experience, equifax and XXXX   regarding them reporting my finger hut account late since XXXX of this year 2019. This account along with my XXXX XXXX account is included in my bankruptcy that they all are reporting as being dismissed when it was never dismissed it is now awaiting closing from the discharge of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: Credit Karma, LLC
State: WA

Complaint narrative:
I have two inquiry that are posted from XXXX XXXX XXXX and a bank that is not from me can you please remove them or investigate the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Around XXXX, my husband was scammed by a so-called " tax relief '' service. He paid for part of the fee with our Bank of America credit card. The amount charged was {$3000.00}. After realizing it was a scam because no service was provided, he ordered that the charge be reversed. After over a year of dispute with Bank of America, they finally agreed to honor the reversal for the total amount. A few years later my husband and I divorced. Then I started to receive letters from XXXX XXXX XXXX for the amount of {$3100.00} from Bank of America and FIA Card Services. I asked Bank of America what this charge was for but they said they can not access that information because it is so old. I don't know what this charge can be for other than the scam tax relief company because after that, we closed that credit card and stopped doing business with Bank of America. XXXX XXXX XXXX is also trying to collect a charged off amount of {$2700.00} which is also from Bank of America. It was charged off in XXXX. Also, Bank of America / FIA Card Services was found to engage in Unsound, Unsafe, and Illegal Debt Collection Practices in XXXX so I don't consider these debts truthful or valid.

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 2019-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: MD

Complaint narrative:
I entered into a payment plan with the Hospital and was told that they did not have enough information for the billing. It was turned over to a collection agency. 
I paid the collection amount in XXXX in full. They have not corrected the credit reporting and told me they would send me documentation that they would. They still have not nor have they fixed the credit bureau reporting and actually verified the credit bureau to say they were reporting accurately. I am enclosing receipt of my payment as proof as well. They also when I call confirm on the phone I do not owe but will not report properly.

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 2019-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Back in 2014 I lost my job and had to give back my car. They ( XXXX XXXX ) repossed it. I was served a summons to go to court by XXXX XXXX for the debt on the car. Ive never done business with XXXX XXXX before. I have a court date on XX/XX/XXXX for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX has a false amount tied to how much is owed on my mortgage company? I called my mortgage and the Customer Service Manager stated, : no one at the mortgage company busted up how much you owe, and our records show {$160000.00}. XXXX  has {$170000.00}, which is inaccurate. Please have them fix my report. 

XXXX also have some collections on my account I do not know of or should have been removed. Items on my credit report has been on my record over 10 years. 

Not one item on my XXXX report are accurate. All collection accounts have been paid and the agency stating removing them however they just blow me off and drop my credit score by 64 points and then 14 points there after. 

Transunion have wrong information as well with collection actions, and incorrect amount om my mortgage company as well. This also dropped credit score by 64 points and 14 points. 

I have not missed payment with any creditor in the last 12 months. 

These companies are added fraudulent information to my credit report and stating it is the company. Not true it's them. My XXXX score is tied to XXXX, and Transunion on my membership with XXXX. I am been discriminated against these agencies to prevent me to get back on check to obtaining a very good credit score.

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 2019-06-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX has a false amount tied to how much is owed on my mortgage company? I called my mortgage and the Customer Service Manager stated, : no one at the mortgage company busted up how much you owe, and our records show {$160000.00}. XXXX  has {$170000.00}, which is inaccurate. Please have them fix my report.

XXXX also have some collections on my account I do not know of or should have been removed. Items on my credit report has been on my record over 10 years.

Not one item on my Equifax report are accurate. All collection accounts have been paid and the agency stating removing them however they just blow me off and drop my credit score by 64 points and then 14 points there after.

XXXX  have wrong information as well with collection actions, and incorrect amount om my mortgage company as well. This also dropped credit score by 64 points and 14 points.

I have not missed payment with any creditor in the last 12 months.

These companies are added fraudulent information to my credit report and stating it is the company. Not true it's them. My XXXX  score is tied to Equifax, and XXXX  on my membership with XXXX. I am been discriminated against these agencies to prevent me to get back on check to obtaining a very good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Bank is on my credit report after paid in full/settle in full, it show a derogative narrative under their name for me. It does not state paid in full. the cost is still there as if the account is still open. This account should have closed and paid over 5 years ago. Considering they were paid why is it still derogatory information? It states the account is derogative and is causing me undue stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My business accounts for XXXX XXXX XXXX, and XXXX XXXX XXXX. were closed at PNC Bank on XX/XX/2019. 

The funds in the accounts for XXXX XXXX XXXX. were {$19000.00} not including the {$21.00} they charged for a service charge for period ending XX/XX/19. I've never paid a fee like that before. It was taken for what reason I do not know. The funds for XXXX XXXX, XXXX. have still not been received. 

The funds for XXXX XXXX XXXX. were {$40000.00} not including the {$78.00} service charge that I was charged for again, I have no idea. I've never paid that before. 
the funds for this closed account have still not been received. 

Today is XX/XX/2019. Amost an entired month without my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2019 I started receiving codes with numbers to access my account. I was not trying to access my account. I called Chase Banks customer service number and they asked me which checking account number? I only have one checking account with Chase Bank. It ends XXXX. Someone had opened a new account in my name. The bank had locked me out of my own account online. Then Chase bank tells me someone disputed legitimate items I had paid like my XXXX Car insurance. I made that transaction. I went into the branch in & spoke with XXXX. The fraud department told me I would need to do this. I did. XXXX assured me XXXX would get there money. She told us she closed the other 2 accounts and opened a 3 new account. Now my Chase sends me two new debit cards ( I should only have one ) one of the debits cards was already activated when we called the number on the card. Our car insurance is now being cancelled. Who knows where my money that I paid XXXX is. My social security payment is missing. I want my social security money that Chase assured me would be safe. If Chase is going to continue to fraudulently open under my name I demand that everything be closed in my name and my money returned. This is ridiculous. We have also received two new debit cards in the mail. 2 more  account numbers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX XXXX, 2019, Wells Fargo, ( herein " WF '' ) found a new way to charge overdraft and return item fees. None of the actions taken by WF is technically illegal. WF announced by letter that the bank was amending the terms of its Line of Credit Agreements to allow the bank, without prior notice, to close the account if it had had no activity for one year. I spoke to customer service, informing them that the ability to close the account without notice had an effect on many customer 's deposit account agreements, as these lines frequently serve as overdraft protection for the deposit accounts. That means that a customer who inadvertently overdraws their deposit account -- or who intentionally writes a check over the deposit account balance -- may be subject to overdraft fees or a dishonored item with a fee-without actually knowing that the line of credit account had been closed by WF without notice. The Customer Service person I spoke to was forced to agree that I had correctly interpreted the terms of the account change. 
Customers often do not know or understand the effect of the change of terms. As an attorney who wrote these terms for the former Wachovia bank, I do understand them and find the " without notice '' clause a unfair and deceptive action. Customers can protect themselves by taking a minimum advance from the line of credit and paying it back on the next day. However, since the lines of credit were sold in part as overdraft protection lines, it is grossly unfair to allow the bank, particularly this bank with its recent customer service debacles, to take this action, The bank should absolutely provide a prior notice to shutting down the line so that customers can take appropriate action to protect their good credit standing on their deposit accounts. I can not determine if WF is taking this step to increase overdraft and returned item fees or if it is closing accounts without notice to control the access of employees to these lines of credit. Did CFPB order Wells to take this action to " clean up '' its house? If it did, the result is still unfair.

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