vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 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: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I have contacted Transworld Sys INC on several different occasions. The latest contact was on XX/XX/20 @ XXXX. I spoke wXXXX Employee # XXXX. I explained to the representative that I had no knowledge of the account in question. The representative gave me account details. She said the account was from XXXX XXXX XXXX. Located in XXXX XXXX, Ks. She did not give me a date but she said the address they had on file was a 7yr old P.O Box that I no longer have. I explained to the representative that when I went into the XXXX. I had given the check in my current DL, my insurance card and the information I had filled out had all my CORRECT contact information. I explained that somebody had dropped the ball and failed to ENTER the CORRECT information. But instead took the precious information from an older visit. I explained to Transworld that they also had the opportunity to contact me and failed to. XXXX emp # XXXX said that she had the same address on file. I explained to XXXX ( Transworld ), that they must have received return mail because it is a PO Box . Considering I do not have a Box at the post office. The mail would definitely be returned. I advised XXXX, that I wanted this collection removed from my credit report. They are reporting it twice a month. Once as collection. Once as updated debt. If I would have been notified or the hospital would have took the diligence into doing thier jobs correctly. This bill would have been paid by insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: City Enterprises, LLC
State: TN

Complaint narrative:
The company that I am having problems with is XXXX XXXX. Address XXXX XXXX XXXX XXXX TN XXXX. Phone number is XXXX Since I am out of work because of the Coronavirus I havent been able to make the payments. My Payments are due every two weeks and and I was told two weeks ago by a manager named Ms XXXX that if I made the current payment they would be able to help me with the payments going forward because of the virus. My mother made a payment for me. I had two miss calls from XXXX XXXX yesterday and every time I called back the phone would hang up. I called back today and talk to a representative that had to call me back and told me that her Manager told her that I would need to make another payment and they could extend the payments for 30 Days. That not what I was told, and Im not working because of the virus. Im not sure who else they are doing this too, but its not our fault that we are out of work. I have filed for unemployment and I havent received anything yet as I told the first manager. This is something that is happening world wide, they shouldnt be able to handle Business like this.

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 2020-04-10 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: AZ

Complaint narrative:
Settled an old collection account XXXX # XXXX through XXXX XXXX XXXX XXXX XXXX Acct number with XXXX is XXXX. All 3 of of my bureau reports still show a remaining balance of {$1200.00} and is getting reported as late every month. When i call XXXX  listed on the credit report at XXXX They tell me i need to call XXXX XXXX XXXX about this issue. When i call XXXX and XXXX they tell me this is a XXXX issue to call them. I am getting complete runaround. I need this information updated as settled in full and show XXXX  balance on my report and stop saying i am late every month. I have disputed this through all 3 reporting agencies 3 times and it never changes the outcome. I have the letter from XXXX XXXX XXXX account # XXXX and still the 3 credit reporting agencies don't change the information. Help is needed

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 2020-04-10 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: PNC Bank N.A.
State: GA

Complaint narrative:
PNC failed to send me the loan account number so that I could make the payment so by the time I received the information I needed to pay the first 2 payments which I did and they agreed to not report a late payment. 

I traded in this vehicle on XX/XX/XXXX at XXXX XXXX XXXX in XXXX GA .. they didn't get this load paid of until XXXX of XXXX and even though I submitted the paperwork on my new purchase stating that I had traded in the car XX/XX/XXXX pnc reported that I didn't pay the loan payment on a vehicle that I didn't even own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I have been trying to contact Amex serve at their customer service phone number provided for several days at different times of the day and night regarding an issue I need assistance with as soon as possible. I have now reached out to several other American Express departments and no one can seem to help me and keeps referring me back to this same number that has no one on the other line. I have money sitting there that needs to be reversed back to my account as I attempted to transfer to another account not knowing that they only will transfer to the same type of Amex account. So this money is going nowhere and I need it back into my account as soon as possible so I can pay these people in an alternate way. This is extremely unacceptable, unprofessional and terrifying that a company dealing with my money, my paycheck has zero ways for me to contact them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Signed up using a {$170.00} bonus promotion code and was only credited {$50.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Recently I been unable to make two payments for my jcpenny account because u haven't been working a lot of hours and I been so busy I forgot about my jcpenny but I recently made a payment in XXXX of {$85.00} I'm now able too make the payments and I spoke with the lady and couldn't understand why it was reported to my credit and my points went down with XXXX 61 points XXXX XXXX 51 points if u look at my history I always paid on time I just felled on hard times I'd understand why so much points was taken away from me I did not receive a letter or anything about my limited was decreasing I called after I made the payments and she told me I can increase my limited but I was denied and I have this report in my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim 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 2020-04-10 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim 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 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: OH

Complaint narrative:
Today I received an offer from Discover to lower my interest rate to 0.99 %. When I calculated the terms I discovered that the rate was really 7.99 %. I used the online chat feature to question them about the discrepancy. They refused to acknowledge the discrepancy and instead offered me a rate that was closer to 2.2 %, but continued to insist it was 0.99 %. I asked them to send me all the terms via email so I could review with my advisor and they refused. I told them I would not agree to any plan without having all the terms in writing. At that point they tried to pressure me into signing up for a payment plan because I have had one late payment in the more than 5 years that I have had the card. It was LATE not MISSED. Recently they have been harassing me by phone and email trying to put me on a payment plan because of that single late payment. 

My complaint concerns the bait and switch interest rate, the refusal to provide me with terms of a financial contract in writing for my review before I agree to it and the harassment by customer service reps for a single late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hello, I had a closed credit card with Bank of America that I was making regular payments until I was affected by the COVID-19 virus. I had to suspend operations at two businesses while also recovering from the testing positive for the virus itself. BOA submitted to the credit bureaus that I missed multiple payments and refused to assist in getting this matter resolved. Now i'm forced to go to plead my case to each bureau. I'm a XXXX XXXX. My fianc is too and went back to work the front lines at the XXXX whilst XXXX XXXX XXXX Bank of America is an irresponsible and inhumane organize that lacks a moral compass.

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 2020-04-10 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: MA

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I went into my XXXX XXXX   account which I haven't done in a long time and noticed in all my collections there is a charge of {$970.00} loan amount from XXXX. I called XXXX on XX/XX/XXXX to validate how I owed them any money. What had happened was back In late XXXX maybe early XXXX I had a family plan with them and a separate phone line. All my numbers on my family plan got moved to a different provider. As for my other phone line I paid it off and closed it since I believe I was on a month to month term with them. I Know 100 % I paid in cash at the XXXX  store in full amount owed. While on the phone today they said they were billing me even after my account was closed because the person at the store never closed the account. I asked them to remove this whole thing from my report as this is inaccurate. The customer rep told me to go through each credit reporting site to dispute this. I do not owe them any money and never used phone there talking about. If someone else did such as that customer service rep from the store that is fraud and I should not be held responsible for something I never Authorized. I am Looking for all major credit reporting agencies to have this removed under the fair credit act since this is all Inaccurate and unverified Information. I will also show you guys a picture of this inaccurate info that they have on my credit file.

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 2020-04-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I recently had to sign up for unemployment, unfortunately the money was loaded onto a 10 year old reliacard  that I no longer have. Upon realizing this I attempted to have a a new card issued. On XX/XX/2020 I called the reliacard  customer service department where I waited on hold for almost 4 hours only for the line to disconnect. I decided to try again this morning XX/XX/2020 at XXXX. Each time after waiting on hold for 2 hours the line would disconnect. This happened SEVERAL times. While I do understand that in the time of this terrible pandemic things are behind & wait times are long, this company could at least do customers the decency of not just disconnecting calls after having people on hold for hours. I still have no resolution for my card nor can I access my unemployment money so I can pay my bills.

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 2020-04-10 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: ONEMAIN FINANCE CORPORATION
State: TX

Complaint narrative:
Onemain XXXX, IN XXXX ( XXXX ) XXXX This is showing on my XXXX Report. I do not recall every trying to sign up with OneMain. I'm afraid there has been some sort of identity theft. 
I do receive a lot of mail about loans. Not sure if someone tried using it for their benefits? Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I contacted Equifax numerous times and also try to dispute online. My information and account information is incorrect. accounts have been removed, which are still open. Account balances have decreased, when they have not. closed accounts open with balances. and numerous more issues. This has drastically dropped my credit score. 
When I call for assistance I am told that I am not giving them the correct information that is on my account, which is not the correct information and there is nothing they can do to assist. I have asked to speak with a supervisor and I am told that there is no one else I can speak with. the caller was in XXXX XXXX, which I thought was odd. I am trying to get a loan for a new home and this is affecting my credit score and can not get anyone to help me from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo received the paperwork needed for forbearance in due course but instead of processing the paperwork, the phone rep told me they required a payment to process it ( I could not pay due to financial hardship ). Wells Fargo chose not to process the forebearance and illegally sent the loan back to XXXX. Collections charges have mounted from this illegal act. 

I have since informed XXXX  of this issue and they failed to acknowledge it. XXXX proceeded to sell my loan to XXXX and did not inform XXXX of the issues surrounding the loan. XXXX has now sent the loan to the US Department of Education. 

Wells Fargo has since written this loan off as bad debt and resolved the account. XXXX and XXXX have no claim to this loan.

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 2020-04-10 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: TX

Complaint narrative:
Hello, My wife and I purchased a vehicle from a company called XXXX in XXXX. We called the company in the beginning of XXXX because we could no longer afford it and they said we could make a payment and have them pick it up and we wouldn't owe them anything else which turned out to be a lie. We didn't know this at the time. 3 years later, a repossession hits my credit on XX/XX/XXXX. 

I have written 3 dispute letters to all 3 bureaus asking them to show verification of it being my debt and also to validate that the balance is correct because its not. We had a verbal deal that we wouldnt owe anything else after making the payment and surrendering the vehicle. XXXX has given us NOTHING. No itemized bill, no bill at all of any sort, and they are reporting to the credit agencies THE WRONG WAY. XXXX, XXXX and Experian are all dragging their feet and telling lies also. 

They keep saying everytime I make a dispute that the XXXX verified the debt, the balance ( which is a lie ) and the status but they have not. I have demanded in writing and by phone that this account be removed from my credit reports immediately because the balance is WRONG, they cant validate the debt and most importantly, it keeps reporting as a late payment every single month on my credit report even though its been CLOSED for years and shows as CLOSED on my credit report but still reporting as a late payment that kills my score every month. 

I have also called XXXX directly 4 times dating back from XX/XX/XXXX asking them to validate the debt by showing me the bill and also to UPDATE all the WRONG information including the balance, status. 

My credit is perfect other than this and it is ruining me financially. I need this deleted from my credit report immediately. My letters/disputes were sent out in XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Thanks!

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 2020-04-10 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: CA

Complaint narrative:
I rented a car in XXXX, XXXX on XX/XX/XXXX from XXXX  and was charged {$180.00} more than my written quote. Once I returned to the U.S. on XX/XX/XXXX, I called Chase to dispute being overcharge by {$180.00} by XXXX XXXX ( who charged me {$470.00} on XX/XX/XXXX and the transaction posted to my account on XX/XX/XXXX ). Chase reversed the {$180.00} charge while the fraud department allegedly reviewed the case. Despite providing documentation to Chase proving I was overcharged, they ruled in XXXX XXXX 's favor and re-billed my credit card for {$180.00} on my XXXX statement. 

Upon receiving my XXXX statement from Chase, I noticed the following three new charges from XXXX XXXX : 1. {$52.00} on XX/XX/XXXX 2. {$53.00} on XX/XX/XXXX XXXX. {$53.00} on XX/XX/XXXX ( the exact same amount a # 2 on charged on the exact same day ) I proceeded to call Chase to dispute these three new charges by XXXX XXXX totaling {$160.00}. I have called and written Chase repeated and still have no resolution on the {$160.00} of fraudulent charges. I returned home on XX/XX/XXXX and have absolutely no idea why or what for XXXX XXXX was charging me for on XX/XX/XXXX and XX/XX/XXXX. Chase somehow send the {$52.00} dispute to their " compliance department '' and the two, {$53.00} charges went to their fraud department. Nobody I have spoken with has any idea why this happened, nor can they provide me with any information on the status of my disputes. I have spent more than 10 hours on hold and speaking with various " customer service '' representatives in overseas call centers who have no information and simply transfer around to different departments. 

I am beyond frustrated at this point. I have now been charged {$630.00} ( {$470.00} + {$160.00} ) by XXXX XXXX for a rental car that I was provided a written quote for approximately {$290.00} ( the quote was EUR XXXX ). Chase is a colossal global financial institution who provides who could not care less about its customers. I want a fair and rapid resolution as this has been going on for more than three months and I have invested way too much time and energy seeking a fair resolution. Chase is as much at fault as XXXX XXXX, by failing to review the facts of these disputes and stonewalling every attempt I have made to get resolution

Company response to consumer: Closed with explanation