vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.

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 2020-08-20 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:
I am distressed that the information below in my credit profile is due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XXXX I received a letter dated XXXX from XXXX XXXX XXXX XXXX, XXXX Sweet XXXX XXXX XXXX XXXX, XXXX, NY XXXX, stating I owed Synchrony Bank/Paypal Credit {$110.00}. The letter also stated I must respond within 30 days to dispute the validity of this debt. Also, XXXX XXXX XXXX XXXX is willing to accept {$52.00} to resolve the account. 

The wording sounded suspicious. Their willingness to take a reduced amount on the first contact from this company sounded suspicious. The fact that I do not recall having a balance with Synchrony Bank/Paypal Credit made me suspicious. I checked my account with Paypal credit online and it shows a balance of {$0.00}. I called Paypal Credit, and they were unable to find an account with my name or SSN on it, or even find an account with the number that was provided by the letter from XXXX XXXX XXXX XXXX. 

I believe this is an attempt to swindle me. 

I do not want to contact this company because I believe they will not answer any questions unless I provide them with personal information that can be used illegally. 

contact information provided in the letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX reference numberXXXX Amount owed : {$110.00} Resolution amount {$52.00}

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 2020-08-20 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:
I am distressed that the information below in my credit profile is due to identity theft.

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 2020-08-20 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:
I am distressed that the information below in my credit profile is due to identity theft.

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 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: N26 Inc.
State: PA

Complaint narrative:
I am a XXXX XXXX. The only business transactions I have are receiving my salary and sometimes buying home office supplies. I do not sell any products or anything of that nature. I just work on a XXXX basis. I have been using my N26 account for months as my primary checking account. I applied for a SBA eidl loan and put the N26 account down as the disbursement account because it is what I normally use for day to day transactions. However, I read my terms and conditions and saw the account can not be used for business purposes. To me, I don't use it for that, I use it to collect my salary and pay for our household needs. But I asked the SBA to change the account. They dispersed the loan before making the change. N26 returned it as fraudulent without even contacting me. I worked with the SBA to have it resent to my brick and mortar bank account. On XX/XX/20, N26 sent me a letter saying I was in violation of their terms and they would be reviewing my account to ensure I wasn't using it for business. I thought this was fine, because I haven't used it for those purposes, and I had explained to customer service that I tried to have the loan sent elsewhere. On XX/XX/20, I went to use my card, and it said it was disabled. I received no email. I talked to customer service. They could provide no information other than saying it was under review and I can not access my money during that time. All I wanted to know was how my money would be returned to me. They could provide me with no contact information and basically said we can hold your money as long as we want and you can't even speak to us about it. They ended my ability to chat with them. I have no way to contact them and they have over {$1600.00} dollars in the account. At this point, I don't trust them because what bank doesn't allow you to communicate with them while they are holding your money. I just want to know how to access the rest of the funds they are holding. I already changed my direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
On XX/XX/2020, I attempted to withdraw {$5000.00} dollars from Robinhood to my bank account at XXXX. Robinhood indicated in the failure email I was eligible to withdraw up to {$5000.00} to this account. Please refer to document A1. 

Through the next 2 months I attempted to withdraw the funds to my XXXX XXXX XXXX XXXX  ( XXXX  ) account and XXXX account resulting in a handful of failures. Document A2 includes one of the failures to XXXX. 

On XX/XX/2020 After going back and forth with support and getting them some documents to verify my identify Robinhood agrees to send me my money in 8-9 trading days. Document A3. As of  XX/XX/2020 I can see the money has not left robinhood. Document A4. Robinhood has ass
igned me this Case Number : XXXX. 

Please help me recover this money I have a wedding coming up and don't want to go into debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: TX

Complaint narrative:
On XX/XX/2020 I spoke with XXXX taking down all my information to apply for a home equity loan through this company. Since then I have not received contact from the company despite me calling numerous times and leaving messages. I even told XXXX that I didn't want my credit ran at that time due to being unsure about the company. Now my information is in their system and they have run my credit. I believe this company is a scam since they will not return phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Before the Corona Virus started and everything got shutdown, I purchased tickets thru XXXX to use in XXXX, however because of the shutdown of nonessential business I wasnt able to redeem my tickets. After calling the merchant several times without being successful, I decided to dispute the charge of {$80.00} with my credit card company, Bank of America. After a few weeks, I was contacted by BOA requesting more information, which I provided, and they also provided me a copy of the chargeback documents where it clearly stated Tickets not redeemed. A day later, my claim was denied for a vague reason. According to BOA, I didnt provide information about the cancellation policy. I did not cancel or did not attend because it was my choice, all business where closed and I was not able to get in contact with anyone to obtain my money back, which I clearly stated on the letter BOA requested from 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 monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Around XX/XX/XXXX, I began making payments of {$100.00} every month on the XXXX to a company called XXXX XXXX XXXX, payments which stopped coming out of my account around XX/XX/XXXX. I believed this was because either, I had just filed and been accepted for medical insurance assistance and that was helping me to some degree, or because of Covid-19, payments were paused. However, a new account was opened on my credit report from Capio Partners ( mispelled on the credit report as Capio Parnters ). This was added as a debt of about {$1800.00} which is around the price of my medical bill remaining. The problem is, I was never contacted about Capio Partners taking control over the debt collection from XXXX XXXX XXXX if that is what happened. And more so, I still have two accounts from XXXX XXXX XXXX ( both around {$500.00} ) that I had always assumed was just a weird reporting method as my payments always seemed proportional to what was removed from my credit report. I now allegedly have three derogatory marks on my credit report ( two from XXXX XXXX XXXX never contacting me and simply being unaware that I had a debt to pay, and one from Capio Partners for doing the same ) all for the same debt that was simply not explained properly to me during any given point. I was never called, emailed, mailed, texted, or informed by a person that I hd a debt through XXXX XXXX XXXX until a phone call two months too late and the same thing appears to be happening with Capio Partners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20 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:
THERE ARE COLLECTION ACCOUNTS THAT APPEAR ON MY CREDIT REPORT DUE TO IDENTITY THEFT.

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 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Over the months of XXXX and XX/XX/2020, I received refunds to my Chase credit card from XXXX XXXX XXXX for canceled cruises, due to Covid-19. In XXXX I had a balance of {$1900.00} of refunded credit on my Chase credit card account. On XX/XX/2020, I decided to withdraw this balance at an ATM, to be deposited back in my checking account. I discovered at the ATM that I could only withdraw {$500.00} at a time and there would be a XXXX ATM fee. I made withdrawals on XXXX XXXX, and XXXX, for a total of {$1800.00}, leaving enough credited money available to cover the ATM fees. On XX/XX/XXXX, I checked my Chase account to see if the withdrawals were reflected on the credit card balance. That is when I discovered that a {$94.00} Service Fee had been charged to my account for the withdrawal of my accredited funds. I called the Chase complaint department on three occasions, and have spoken to 5 Chase representatives, the last one being, Account Supervisor XXXX in XXXX, FL. She informed me that I was charged Cash Advance fees at the rate of 5 %, and they were nonrefundable. I don't feel these charges apply, since it was my credited money that had been withdrawn not cash advances from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Inq date XX/XX/2018

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 2020-08-20 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:
THERE ARE COLLECTION ACCOUNTS THAT APPEAR ON MY CREDIT REPORT DUE TO IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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:
THERE ARE COLLECTION ACCOUNTS THAT APPEAR ON MY CREDIT REPORT DUE TO IDENTITY THEFT.

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 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am XXXX years old I have lived in Florida Since my husband I came to the United States he was XXXX  XXXX XXXX stationed at XXXX XXXX XXXX XXXX in XXXX  I have lived here and worked here, I applied for XXXX  about 6-7 years ago and went through this company in XXXX Florida the man was a con, he stole my money and information he was arrested with the authorities in XXXX XXXX XXXX Florida. I had a police report, I since then threw it away. But I explained to these companies this is fraud, I sent them a notarized affidavit stating this, I stated to them I have no knowledge of these bills and never lived in the state of Georgia. I asked for original contract, proof such as ID, recordings etc, all they sent was a copy of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
XX/XX/XXXX : Found a Huntington checking account promotion online offering {$150.00} to open their Asterick-Free Checking account. Screenshot of offer is attached below. I opened the account on XX/XX/XXXX by clicking the Apply Online button on their promotion page.

Offer Details : 1. Open account by XX/XX/XXXX. I did that on XX/XX/XXXX. 2. Make deposits of {$1000.00} within 60 days and keep account open for at least 90 days. I had a payroll deposit on XX/XX/XXXX of {$2300.00} so fulfilled that requirement as well. XXXX. {$150.00} will be deposited within 14 days of meeting requirements. This never happened. 

Week of XX/XX/XXXX : I made numerous inquiries both online chat and phone asking why the bonus was not there. 
XX/XX/XXXX : I reached a supervisor named XXXX. I explained the situation, she said there was no promotional code attached to my account. I let her know that there was no code to enter, that you simply click the Apply Online button. She said yes, that's right because it's an online account. I emailed her a screenshot of the promotion to her email provided which she said she received XXXX. She said she'd submit the request to have the {$150.00} deposited within 24-48 hours on XX/XX/XXXX. She said she'd call me back on XX/XX/XXXX if there were any issues. I never heard from her and the {$150.00} was never deposited. Today it's XX/XX/XXXX, and she isn't responding to emails. I've emailed her 6 times. Nothing and no response in my bank account messages, calls, voicemails, emails, nothing saying what happened to the {$150.00} request. I can only assume that Huntington is sticking to the " no code was entered '' line which is not accurate and I am afraid it's happening to me and more people for them to get people to sign up for accounts and avoid paying the promised promotional bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: GA

Complaint narrative:
I got my credit pulled due to a bill I received in the mail. I have never heard from the place before. I suspected identity theft. When I looked at my report I was taken by surprise on a couple of derogatory items that I've never opened. These things listed on my applications a.re not mine. XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX. US DEPT ED, XXXX. I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I got a car loan from navy fed and unfortunately lost my job and haven't been able to pay but they shut all of my other accounts and took the money I had in my savings and checking account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation