vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Navient continues to report 4 or 5 accounts as late to my credit report even though the accounts were charged off with the original creditor 1-2 years ago. Additionally, they perform unauthorized hard inquiries on my account monthly or every few months. These actions together continue to bring my score down, is overkill, unnecessary harassment that prevents me from obtaining credit or low interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
debt is not mine, i was a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a {$1000.00} certificate of deposit at XXXX XXXX XXXX, XXXX, Fl. It is a Time Deposit automatically renewable, dated XXXX. XXXX, 2001 # XXXX. This bank is now a part of Wells Fargo. 

I sent a copy of certificate to appropriate XXXX Dept. They say they have no record and records are only kept for seven years. 

My Certificate states Automatically Renewable. It has no expiration date! I dont remember ever cashing it in. If I did, why would they let me keep the certificate?

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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
credit repair is illegal in the state of georgia i contacted XXXX XXXX to repair my credit in 2019 made false claims about their services promising to remove negative information from my credit report they charge high fees did not to the sevice when i did not finish paying them they put a collection on my report of XXXX dollars for illegal services they did not do unlawful and deceptive practice i want the collection immediately remove from my credit report for this illegal practice the collection company is southwest recovery XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX tel XXXX the credit repair company is XXXX XXXX no contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: DISCOVER BANK
State: CT

Complaint narrative:
On XXXX XXXX, Discover decided to close my account without warning due to my personal information being incorrect. The information given on the app was not incorrect and was in fact correct. Two weeks before that, my card was locked and when I called Discover the had me fill out a form confirming my information and they said my account will be fine now. Just for in the next weeks, I would get an email saying my account is closed. I was not missing any payments, in fact I was paying more than the app was suggesting to. This closure made a negative effect on my credit score and no one at Discover seems to want to help me or give me the answers I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
on XX/XX/XXXX andXX/XX/XXXX I sent both certified mail to Experian saying that the XXXX XXXX account was reporting incorrect and this is stopping me from getting a place to stay. I did not receive a response back from them. I had already included a copy of my driver license and a bill with the currect address on 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 non-monetary relief
Consumer complaint received 2020-08-30 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I purchased a trip through XXXX in XX/XX/2020 for XX/XX/2020. COVID-19 hit and I had to cancel the trip in XX/XX/2020. XXXX  sent an email stating they were refunding the {$1300.00} for the trip but were unable to refund for the flight. Later that same day, XXXX placed a disclosure on their website stating they were cancelling all reservations and that people would need to get a refund from their credit card. I filed with the airlines who sent the refund to XXXX. So I filed a dispute with Citibank to get a refund for the flight. While talking to Citibank, I was told to only dispute the airline claim and to wait for the XXXX refund. I was told that I could change the dispute amount later if I did not receive the refund from XXXX. This was a lie. After numerous calls ( at least 7-8 in a little over 2 month span ) and repeated statements from various departments and personal in Citibank, I was repeatedly told they would change the amount for me. I eventually became frustrated and withdrew my dispute so I could change the amount and get a full refund. A new manager was very hateful to me on the phone and said they could not do anything because I withdrew my dispute. I was NEVER told that once a dispute is withdrawn, it can never be reopened. I filed a complaint with CFPB on XX/XX/2020. On XX/XX/XXXX, Citibank responded with an email basically stating they knew they lied to me in the beginning, but it was my fault for withdrawing the dispute. They did decide to give me a refund of {$450.00} out of the {$1300.00} because I am a " valued customer ''. I have responded twice to the email on Citibank letterhead ( XXXX ) and they have never bothered to answer me. I stated that I while I appreciate a partial refund, I don't feel like that is enough. I was lied to at the beginning of the dispute and repeatedly for months. Citibank stated in the claim that they knew I was lied to. So how to do they come up with a number that is not even half of what I lost. Had I known from the beginning that a dispute could not be changed or withdrawn, I would have filed for the full amount. I was trying to be honest and not file for the full amount with Citibank when I thought I was getting a refund from XXXX. Apparently Citibank does not feel like they need to be honest or they should take any responsibility if they are dishonest. Now I am out {$940.00} on a vacation that I was not able to take because a corporation does not feel like they have to live up to their word.

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 2020-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi, I pulled my credit report and found the following inquires to be unauthorized and fraudulent. 

I contacted XXXX  and TransUnion in regards of disputing the fraudulent hard inquires via letter and phone. XXXX  was able to remove the unauthorized hard inquires. However, TransUnion failed to remove them. I sent them a certified letter demanding removal for the hard inquires on XX/XX/XXXX. I tried contacting them via phone and still denied to remove the same hard inquires XXXX  was able to remove. 

They left me with no choice other than filing a CFPB complain hoping to get their attention and follow FCRA 's requirement and law but before taking any legal actions. 

Please advice them to remove the fraudulent and unauthorized hard inquires as my previous letter stated the following : 1. The inquiry was not authorized XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX  XXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3.The inquiry was not authorized XXXX XXXXXXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove this inaccurate information from 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 2020-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX has attempted for 7 years to get this debt paid. I owed this to Captial One credit and was opened in XXXX not XXXX and i cant get this cleared. i have made continuous complaints and still not taken off my credit. This is unlawful to attempt a debt that has exceeded its time limit to put on my credit report. Also fictitiously reported that it was opened in XXXX and was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC
State: NV

Complaint narrative:
I checked my credit report on XX/XX/XXXX and there is nothing reported from this company. I recently checked my credit report again, XX/XX/XXXX and now there is something from CKS Prime Investments for XXXX XXXX, showing opened XX/XX/XXXX, past due for {$4000.00} and past due on both my XXXX, and XXXX credit reports. I disputed with both XXXX   and XXXX ; however, I do not know the results yet. I have no idea what this is for, never received anything in the mail regarding this debt and it being placed on my credit, and do not believe this is for me. This company is reporting to my credit something that is not mine and should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I opened a dispute with Honda Finance in which I have had an account with for over 5 years, no late or missed payments. They reported a recent missed payment but still took the payment received. They resolved that issue and have placed my account as current. Now that this is resolved I just received a message from XXXX that I have a new Honda Finance account opened with delinquency. This is innacurate and harmful information. Now that I am closer to paying the loan off, Honda Finance has been harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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:
XXXX XXXX was paid off. I sent the letter from them to transunion and they refuse to update info

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 2020-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C System has been sold a debt by XXXX XXXX XXXX from a XXXX account that I had in XXXX. This account was due to the cost of the equipment that had not been turned in. After moving into a new apartment at the same address, In XXXX I wanted to re-establish service, but in order to do this I had to pay the remaining balance and return the equipment, which I did. So this debt has been satisfied but after calling XXXX who is formerly XXXX XXXX, customer service explained had a balance of not {$240.00}, but of {$370.00}. I explained that its impossible to owe anything since I had turned in the equipment and paid the balance, and she agreed that I should not have balance owed.

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 2020-08-30 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1000.00}, {$920.00}, {$320.00}, {$1100.00}, {$17000.00}, {$0.00}, {$1600.00}, {$64.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

6. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$64.00} -This is not my account.

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 2020-08-30 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1000.00}, {$920.00}, {$320.00}, {$1100.00}, {$17000.00}, {$0.00}, {$1600.00}, {$64.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

6. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$64.00} -This is not my account.

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 2020-08-30 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1000.00}, {$920.00}, {$320.00}, {$1100.00}, {$17000.00}, {$0.00}, {$1600.00}, {$64.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$64.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: MA

Complaint narrative:
I ordered photographic electronics, items from a merchant ( XXXX XXXX XXXX XXXX ) online with Chase Credit card worth of {$9500.00} XX/XX/XXXX The merchant claimed the order was delivered to someone else other than myself. I have made a good faith effort to resolve the problem with the merchant directly by contacting the merchant couple of hours after didnt receive my merchandise. I asked for a replacement or give me a refund, but after many efforts of complaints to recover a refund, there was no response or a resolution by the merchant. The seller at first said it will be investigated with XXXX and will get back to me XX/XX/XXXX but no one contacted me since. I contacted my credit card company to dispute the charges asserting that the goods or services were not accepted or delivered as agreed. XX/XX/XXXX during the investigation conducted by Chase, the merchant responded with some outrageous claim of accusations without bases and failed to provide proof that it delivered product according to the agreement. After my request XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for supporting documents as to the facts that goods were delivered to and signed by me, Chase close the case and is now asking me to pay for goods I did not received. Chase has failed to comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable including, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation