vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES AS IDENTIFIED AS INQUIRES THAT WAS PLACED AND REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO DEAL WITH THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INACCURATE ACCOUNTS AND INQUIRES HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

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 2020-04-18 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES AS IDENTIFIED AS INQUIRES THAT WAS PLACED AND REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO DEAL WITH THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INACCURATE ACCOUNTS AND INQUIRES HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

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 2020-04-18 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: NH

Complaint narrative:
On XX/XX/2020 I booked a vacation with my Citicard credit card for {$970.00}. This was booked through XXXX. Due to the COVID-19 outbreak my trip was canceled by XXXX- including my XXXX, I do not even have a voucher for the XXXX XXXX XXXX ticket. I disputed the charge through Citicard as when I contacted XXXX for the refund I was told to go through my credit card company for the refund, this is also posted directly on XXXX website. I received notification on XX/XX/XXXX that Citicard would Not be refunding me my money. How is this possible when the trip was canceled by XXXX  ( not by me ) and XXXX is starting to contact the credit card company because XXXX never actually paid anyone?

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 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife and I currently have several credit cards and an auto loan with Capital One. Ever since Capital One acquired the Walmart credit card account from XXXX XXXX, they stopped offering customers lower interest rate promotions which has made this extremely difficult for their customers. Since we have been significantly impacted by COVID-19, on XX/XX/XXXX, on the date of my due date, my wife and I spoke with a Senior CSR, XXXX who was very friendly and helpful with our present financial hardship. I had scheduled a payment of {$60.00} and XXXX was able to cancel it for us. She advised that Capital One is offering the minimum payment waived for their customers that have been impacted by the virus. She did advise that the reps are updating customers manually and that I might see a late fee which would be credited. Today I checked my balance online, my Walmart Rewards credit card was updated to show the minimum payment was waived however, my Platinum Mastercard was not. My issues began on XX/XX/XXXX, when I used my credit card to buy essential supplies and went over {$8.00}. I immediately made a payment of {$10.00}. Then on XX/XX/XXXX, a late fee of {$25.00} and {$50.00} interest charge was applied causing my account to go over the credit limit again. Fast forward to today, I received a notification from XXXX that this creditor reported to the credit bureau, that my account is over its credit limit. My wife and I have been loyal customers for over 2 years, and have never experienced this type of hardship until now. We are disturbed that my Platinum Mastercard 's minimum payment was not waived as requested and that now my credit score has dropped 10 points due to human error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I purchased a new Toyota vehicle in XXXX of 2017 from a Toyota dealership. The vehicle is financed through Toyota Financial Services ( TFS ). Each month I send in approximately {$40.00} extra. I have had numerous conversations with different TFS representatives where I indicated to them that the extra money sent in each month with the payment is to only be applied to principal. TFS continually applies the extra money that I send in to future payments. This in no way benefits me, the consumer. I was told several days ago by a TFS representative that she was going to reapply the extra money I sent in since the loan origination to the principal and provide me with a new loan balance. Today, I received an email with the same erroneous balance and the extra payments advancing the next payment due date to XXXX. Can the CFPB please assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was made aware of a negative account and inquiries today XX/XX/2020 when I was denied from getting a car loan with XXXX XXXX XXXX XXXX. I was denied from getting an auto loan because there is an account with negative payment history on my credit as well as several inquiries ; None of these items belong to me nor did I allow anyone to open this account or make these inquiries on my behalf. I am not affiliated to any of the companies listed on this report nor did I gain anything from this account and inquiries that were made in my name without my permission. I never made any payments or purchases towards this account. I have filed a police report and notified the company regarding this suspicious account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I opened my HSBC Premier checking account on XX/XX/XXXX. 

I deposited {$5000.00} per month in direct deposit with my paycheck from my employer in XXXX, XXXX, and XXXX. 

I met the terms of qualifying for a checking account bonus of {$750.00} since my last paycheck came in on XX/XX/XXXX. 

I reached out to HSBC via chat numerous times, and they also agreed that I met the terms and is escalating it internally to get it resolved. However, it has been 2 weeks and I tried following up with them, but they did not provide a response nor the {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE IS ONE ADDITIONAL ACCOUNT THAT IS REPORTING LATE PAYMENT HISTORY WHICH IS IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

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 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was made aware of a negative account and inquiries today XX/XX/2020 when I was denied from getting a car loan with XXXX XXXX XXXX XXXX. I was denied from getting an auto loan because there is an account with negative payment history on my credit as well as several inquiries ; None of these items belong to me nor did I allow anyone to open this account or make these inquiries on my behalf. I am not affiliated to any of the companies listed on this report nor did I gain anything from this account and inquiries that were made in my name without my permission. I never made any payments or purchases towards this account. I have filed a police report and notified the company regarding this suspicious 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 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was made aware of a negative account and inquiries today XX/XX/2020 when I was denied from getting a car loan with XXXX XXXX XXXX XXXX. I was denied from getting an auto loan because there is an account with negative payment history on my credit as well as several inquiries ; None of these items belong to me nor did I allow anyone to open this account or make these inquiries on my behalf. I am not affiliated to any of the companies listed on this report nor did I gain anything from this account and inquiries that were made in my name without my permission. I never made any payments or purchases towards this account. I have filed a police report and notified the company regarding this suspicious 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 2020-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
There were three recent money transactions through Paypal I need to get back as soon as possible. The seller did not give me the product I paid for, so I need the money I sent them back. The first transaction was {$50.00} and its transaction ID is XXXX. The next transaction was {$50.00} and its transaction ID is XXXX. The final transaction was {$100.00} and its transaction ID is XXXX. This was done on my Paypal account. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Hello i currently have a vehicle that I feel like Im paying so much for it I feel so overwhelm I feel like the dealer just ripped me of for being a first time not that car is not even worth what I owe currently and the msrp for the car now is XXXX I would really like for someone to please help me get out this situation I been paying a high payment ever month and I think this is so unfair I tried getting in contact with the XXXX dealer and all they offer is for me to get a new car which I dont want to I want this resolve I feel so ripped of for the amount I already have paid the one I pay the car to is Santander consumer USA its a 2015 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Per Bank of America, I had an account with them with card ending in XXXX back in XX/XX/XXXX and I owe them {$210.00}. I refuse to pay this amount this is a fraud account and do not owe them any money. On XX/XX/XXXX I called BofA and requested copies on that account and they refuse to send me any information they demanded a payment and send me to collections. I refuse to pay this account because I didn't open 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 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I was sued on XX/XX/2019 by the landlord I used to live at with my daughters after I complaint about mold in the property and having my little one sick with XXXX  issues constantly and having to trash the mattress. The manager told me I was lying and I still have proof of it. My paychecks were cut due to the situation I was experiencing since XXXX and I did not payed the rent in XXXX. They sued me asking me for the money and to leave the property. When I arrived to the trial and was my turn I started explaining the judge and was going to show all the pictures and the doctors tests and everything, the judge cut me off stating the landlord did not wanted money they just wanted me to leave. I had already moved on XX/XX/XXXX and the trial was on XXXX so the case was dismissed. I have a letter from the Magistrate Court that I provided to XXXX  and XXXX  which firstly reported it. I started the dispute with XXXX  and they close it a day after requesting documents to prove my identity I have proof of everything. This information has to be removed immediately from my credit. It is not right and is abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Two credit cards with chase bank had fraudulent charges on them performed by a business associate that went bankrupt. These charges were never authorized. 
Chase Bank show 's these as Charge off in XX/XX/2013. 
CardsCards # XXXX & XXXX. 

I disputed this with the credit bureau in XX/XX/2013. Other letters were sent to Chase Bank prior to that with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a Cashapp card in the mail with my name on it, a card number, expiration date and CVV code. I was shocked because I have neither downloaded the app, no or used it nor ordered this card. The card came wit no cover letter or any kind of explanation of why it was sent to me. It only instructed me to download the app and scan the QR code to activate the card. I did not do that. 

When I looked up the company online, I was shocked to discover that there is no customer support or fraud telephone number- only an email address. So I emailed the company advising them that I did not request the card nor do I use CashApp and that I immediately wanted them to cancel the card and report it as fraud. 

I received an immediate response that they were looking into the matter and would get back with me soon. I did not hear from them that day. So I called my bank to inquire if there had been any Cashapp transactions that they could see. Sure enough in XX/XX/XXXX, they informed me that over {$700.00} worth of transactions were attempted against my bank debit card but my bank-XXXX XXXX declined the charges. XXXX XXXX said that the charges originated out of California. And one if the charges was attempted by a person named XXXX XXXX. I do not know a person by this name and certainly have never and will never authorize anyone to open a card on my name. 

Today, someone from Cashapp named XXXX emailed me back and asked me to follow a link and provid the CashApp card information so that she could cancel the card. I told her that I needed a phone call and would not provide any card information via link not access a link. She refused to call or make appropriate accommodations to verify her identity. I offered my phone number and zip code so that she could look it up. However, she said that for security reasons, she could not confirm any account information. 

I did cancel my debit card to which the CashApp card is linked but do not want this CashApp card in my name to remain active. Could you please help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
Company name is REMITLY is based out in Washington state! The bank is telling my sister that shes not able to pick up the money because theres nothing there and plus they say they already send it but theres deposit there. if thats what they say ( I got a receipt that says How much when and how I send it )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2017- i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with Regions rep ) - I came into the XXXX XXXX, Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXXPD case # 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 2020-04-18 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: CITIBANK, N.A.
State: ID

Complaint narrative:
In XXXX of 2019 we were notified via email that there were upwards of {$2000.00} in charges on our account. The purchases were made online and picked up in person at a XXXX Best Buy. 1. we were out of town then and never ordered or picked up these products. 2. With a pick up order of $ 2000+ they SHOULD ALWAYS check ID on the person picking up. 

Obviously we reported these charges as fraud. Best Buy sent it over to their fraud department for investigation. After multiple calls and jumping through hoops they finally agreed that it was fraud, and we were told over the phone that ALL CHARGES WERE DEEMED FRAUD AND ANY CHARGES, AND FEES RELATED TO THE PURCHASES WOULD BE REMOVED. 

We received a letter from Best Buy on XX/XX/2019 saying " We are writing to inform you that we completed the investigation on your My Best Buy Credit Card Account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 

I was so relieved to finally get this letter after getting the go around every time we called them and re-explaining the issue. Such a headache. BUT little did I know even though the letter said it was fixed and that XXXX, XXXX, XXXX  XXXX would all be updated. They were not. 

We recently pulled our credit while trying to get a home and THE CHARGES STILL REMAIN AND HAVE NEGATIVELY IMPACTED MY VERY HIGH CREDIT SCORE. I have never had any late payments or anything negative reported on any of my credit cards until this happened. 

I have continued to contact Best Buy and am always given excuses and I swear the call center doesn't even understand what I am trying to explain most of the time. I called today and they are closed due to Covid 19. I have reported disputes 3 times to XXXX  with proof of my letter from Best Buy. However when they look into it and contact Best Buy Citi Credit Card they are told, nope! The account is closed but fees and interest rate still applies! I AM NEVER PURCHASING FROM BEST BUY AGAIN. THIS HAS BEEN SUCH A HEADACHE AND HAS BEEN GOING ON MORE THAN A YEAR NOW. WE HAVE BEEN MORE THAN REASONABLE BUT NOW THAT IT IS EFFECTING THE LOAN ON OUR HOME THIS IS NOT OKAY! I NEED HELP FIXING THIS FOR GOOD. PLEASE PLEASE HELP! 

THANK YOU!

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 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ive reached out to Equifax numerous times about incorrect information displaying on my credit report such as previous addresses, filed numerous disputes and still the information is going on unresolved, this issue is affecting my everyday of life and background checks, please help resolve as i have tried numerous times.

Company response to consumer: Closed with explanation