vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 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: PNC Bank N.A.
State: FL

Complaint narrative:
Back in XX/XX/2020 I requested for them to cancel my account at which time I received confirmation notice via email they would cancel service. They have not and continue charging me for the maintenance {$47.00} per month. I've sent several emails to again ask them to stop and received nothing. I've spoken directly to the company and they advised they will handle but have not. Its now going on 4 months since I requested that they stop charging my account and every month they still do. I have emails to show the communications and validation but still they charge me ... Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Global Lending Services LLC
State: CA

Complaint narrative:
The reason for this complain is that my credit report was used without consent by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On that day, My Girlfriend and I visited the XXXX XXXX XXXX XXXX  to test drive a used XXXX XXXX and to inquire about my chances of purchasing said car, since my credit score was very low. 

After test driving the car, I began to explain my poor credit history to the salesman. Knowing that I had bad credit and that my approval chances were slim, I started inquiring to the salesman if the dealership had any way to guess, through a soft check or any possible means, if I could be approved for the Vehicle and to estimate the kind of loan I would be looking at, if approved. I emphasized that I could not afford another hard Inquiry on my account and offered to give the salesman a copy of my XXXX credit report to review my history. Instead he declined and stated that his manager had the ability to make an estimate without running a hard credit inquiry. I believed him and gave him my social security number when asked while emphasizing that I am not authorizing a hard inquiry. The salesman comes back from his managers office several minutes later with a print out of the negative items on my credit report. He started reverberating everything I already told him earlier that was wrong with my credit score. I agreed with him of course that I had a large amount of negative items on my report and I left telling him that I would fix the items and come back another day to purchase the vehicle or better. I later find out that I received Inquiries from over 5 different loan companies, all deriving from that same dealership. 

Since then I have contacted the dealership and their manager XXXX has stated he will collaborate and back up my claim if ever contacted. Together we were able to remove my disputes from XXXX, now I need to remove them from XXXX and XXXX. Below are the companies that accessed my credit report that need to be removed. 

XXXX : XXXX- XXXX : XXXX XXXX Global Lending Service XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am disputing a demand letter from CBE Group in the amount of {$260.00}. 
This attempt to collect a debt from the creditor XXXX has never belonged to me. 
This debt of {$260.00} dollars is a result of Identity theft. My personal information was stolen and used against my permission. I will not pay this debt because it originated from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I spoke to the representative from the attorney 's office Mr. XXXX XXXX. He mentioned that i was served thru an individual by the name of XXXX. The owner, my lessor at that time is Mrs. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I signed up for ebills for my Lowes Synchony Bank Credit card in XXXX of this year. I understood the arrangement to be that they would bill me electronically and my linked bank account would arrange and pay for the bill on a monthly basis. I understood the arrangement to include them to bill me the full amount on the monthly bill. Instead they billed the minimum. Therefore they have been charging me interest every month since then - a total of around {$300.00} at a whopping 27 %!. I should have caught this long before now and I attempted to offer a negotiation of {$150.00} as I believe their practice to be dishonest, misleading, deceitful and predatory. What is advertised as a service to simplify your life seems to really only be a ploy to charge interest. 
Upon discovering the issue last week I immediately paid off the principal and 50 % of the interest and this payment has cleared my bank. They did not accept my offer of a negotiation and therefore I'm filing this complaint formally. If they can prove that they informed me that the ebill would only be the minimum due I'll pay the entire interest amount. I would have never signed up for this deal had I understood the " deal '' as it turned out. I have excellent credit. This is about the principle of clear communication and honesty from the bank. The final bill ( XXXX ) is attached to show the total interest rate charged and the total interest billed in 2020.

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The credit bureaus have yet to respond to my credit bureau disputes, I have not gotten a response back from none of them at all and I am trying to improve 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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The credit bureaus have yet to respond to my credit bureau disputes, I have not gotten a response back from none of them at all and I am trying to improve my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I have applied 2 times with CashNetUsa and been approved for {$1000.00} however when I email or upload my bank documents they refuse to accept them I even traveled over 1 hour to my nearest bank to get the original bank agreement as they requested per their emails. Thereafter they called and said what I sent isn't good enough! I wasted valuable time and gas to do what they asked and bank only permitted me what I provided them per bank policy. Shame on CashNetUsa for their XXXX customer service DO NOT use them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arcon Credit Solutions LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I received a collection notice from the collection agency XXXX XXXX, stating that I owed the original creditor XXXX XXXX {$1100.00}. The debt was then purchased by XXXX XXXX. 

I had no prior knowledge of this debt and contacted XXXX XXXX for the background. I learned from XXXX XXXX that someone used my identity to open a money account in early XXXX. The person overdrew {$1100.00} from this account and never made a payment. 

In XX/XX/XXXX, I contacted XXXX XXXX and explained to them about the identity theft that the debt is not mine. I also filed a police report and a Identity theft report with the Federal Trade Commission. I also mailed XXXX XXXX a formal letter along with copies of identity theft and police reports ( see attached ). I also submitted copies of the reports to XXXX XXXX. 

In XXXX, I received a fraud packet from Arcon Credit Solutions, a collection agency that is related to XX/XX/XXXX. A fraud packet asked for details about the identify theft. I completed the package and sent it back along with a police report and identify theft. 

However, in XX/XX/XXXX, I still received another collection notice from Arcon Credit Solution stating the debt is now placed with them for collection ( see attached ). I called them and the representative told me that my identify theft report and fraud packet were denied. She was unable to give a valid reason of why it was denied and insisted I owed them the debt. 

I would like to submit this complaint as the debt was not mine. I have filed a police reports, identity theft reports, and signed affidavits that I am a victim of identify theft. Would you please help provide a solution to the situation as the collection agency is still going after me for a debt I do not owe. My concern is without a solution, they will continue to contact me and potentially impact my credit. 

Please let me know if you need further information to move forward with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I spoke to the representative from the attorney 's office Mr. XXXX XXXX. He mentioned that i was served thru an individual by the name of XXXX. The owner, my lessor at that time is Mrs. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
In XXXX, XXXX, I received a collection notice for a debt that is not mine from Credit Management , L.P., of XXXX Texas for a Creditor account from XXXX Cable for {$1000.00}. After a quick review of a credit report I found the fraudulent creditor debt was listed so I filed an Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, and latter fraud report to the XXXX, NY Police. I then began contacting Credit Management, and alerting XXXX, XXXX, and XXXX of the fraud. 

On XX/XX/XXXX, I sent a Certified Delivery letter arriving XX/XX/XXXX, to Credit Management, informing them of the identity theft, and as they were the party who furnished the information to the agencies, requested documents pertaining to the fraud including applications, statements, addresses, phone numbers, and investigator 's report concerning the account. And, as they were the source of the incorrect information in my credit file, I additionally requested a letter explaining to me their actions taken to fulfill their responsibility to stop collections, as well as correct their reporting to the credit reporting agencies. To date, XX/XX/XXXX, I have not received a reply from them. 

Having spent considerable effort to file fraud and extended alerts, and security freezes, to safeguard my identity I want their detailed report regarding my requests to ensure they have rectified the issue caused by their collection notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. Please have the inaccurate/invalid accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
XX/XX/XXXX - wire transfer requested by me from retirement fund to place {$13000.00} in my bank account XX/XX/XXXX - bank says they sent email to request information, but I never received said email XX/XX/XXXX - discovered account had been suspended by bank. I contacted the bank to inquire about suspension and was told to submit documentation : ID, secondary ID, proof of address, as well as an explanation of the funds that were deposited into my account. I expressed my concern about sending personal information over email and the bank said that was the only way to get the issue taken care of. 
XX/XX/XXXX - I submitted the documentation requested by the bank. 
XX/XX/XXXX - I called the bank for a status update and was told they couldn't open PDF files, so I needed to resubmit ALL the documentation requested above as JPEG files. 
XX/XX/XXXX - while calling for another status update I was informed I needed to submit more documentation : front and back of driver 's license, as well as a photo including the front of my ID and my face. With hesitation I did as they asked and submitted said additional documentation. 
XX/XX/XXXX - Sent email to bank requesting status update XXXX the bank did not respond ). 
XX/XX/XXXX - Spent 1 hour 15 minutes on the phone with the bank inquiring about status of my account. 
XX/XX/XXXX - Spent 47 minutes on phone with bank just to be told, " just wait for a response or a request for more information. '' XX/XX/XXXX - As of this date I have not heard from this bank via email or phone, my account is still suspended, and I'm unable to pay bills, buy groceries, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo lost a large amount of money that was sent out from another checking account ( owned by me ) to my checking account with them. But didnt return the money and asked me to report it as fraud.

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 2021-01-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2020 I discovered inaccurate and fraudulent information on my credit report. I contacted the credit bureaus that were reporting the inaccurate and fraudulent information.They continue to report the fraudulent and defaming information as of XXXX. They have yet to provide me with any validation of debt and my request for damages incurred.

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 2021-01-06 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: PA

Complaint narrative:
In XX/XX/2020, I paid off my one credit card in full, during the pandemic no less. Experian then proceeded to lower my score by 20 points. I have been working hard to repair my credit & was 10 points away from obtaining a " good '' score. Instead I was severely penalized for paying off a debt. I'm sure there's some legal loophole allowing this, but this doesn't seem right. I haven't been late on a single payment in years & this has been a huge setback that will take who knows how long to repair. I couldn't figure out how my score had gone down as there were no new negative items on my report so I had to have Experian explain this to me. They explained that since I paid off a {$100.00} something credit card balance, my score dropped 20 points. These credit reporting agencies should not be allowed to decrease credit scores for payment of debts. I would like this issue addressed. If this is a legal practice, it needs to change as it is not in the best interest of consumers who are trying to do the right thing. So now instead of being able to refinance my car loan, I have to work on building back 30 points instead of just 10.

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 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.

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 2021-01-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: SC

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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