vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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: AR

Complaint narrative:
I RECEIVED A COUPLE OF BILLS IN THE MAIL STATING THAT INEED TO MAKE A PAYMENT FOR A LOAN. I DONT OWE A LOAN, I DONT HAVE ANY LOAN UNDER MYB NAME. THEN I CALLED TOVERIFY ALLN MY INFORMATION HAD BEEN USED TO OPEN THIS ACCOUNT. I GOT A COPY OF MY CREDIT REPORT AND SAW TWO BANKRUPTCIES AND A COUPLE OF INQUIRIES. ACOUPLE OF OTHER FRAUDULENT ACCOUNTS THAT ARE NOT MINE. I HAVE NEVER SEEN THESE ITEMS IN MY LIFE. PLEASE REMOVE THESE ITEMS FROM MY REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: AR

Complaint narrative:
I RECEIVED A COUPLE OF BILLS IN THE MAIL STATING THAT INEED TO MAKE A PAYMENT FOR A LOAN. I DONT OWE A LOAN, I DONT HAVE ANY LOAN UNDER MYB NAME. THEN I CALLED TOVERIFY ALLN MY INFORMATION HAD BEEN USED TO OPEN THIS ACCOUNT. I GOT A COPY OF MY CREDIT REPORT AND SAW TWO BANKRUPTCIES AND A COUPLE OF INQUIRIES. ACOUPLE OF OTHER FRAUDULENT ACCOUNTS THAT ARE NOT MINE. I HAVE NEVER SEEN THESE ITEMS IN MY LIFE. PLEASE REMOVE THESE ITEMS FROM MY REPORT. 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 2020-07-16 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: AR

Complaint narrative:
I RECEIVED A COUPLE OF BILLS IN THE MAIL STATING THAT INEED TO MAKE A PAYMENT FOR A LOAN. I DONT OWE A LOAN, I DONT HAVE ANY LOAN UNDER MYB NAME. THEN I CALLED XXXX XXXX MY INFORMATION HAD BEEN USED TO OPEN THIS ACCOUNT. I GOT A COPY OF MY CREDIT REPORT AND SAW TWO BANKRUPTCIES AND A COUPLE OF INQUIRIES. ACOUPLE OF OTHER FRAUDULENT ACCOUNTS THAT ARE NOT MINE. I HAVE NEVER SEEN THESE ITEMS IN MY LIFE. PLEASE REMOVE THESE ITEMS FROM MY REPORT. 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 2020-07-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, I have reached out to all the Equifax concerning inquiries reflecting on my credit report I did not approve. In this process, Equifax provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. Equifax provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. 

I have enclosed a copy of the returned to the sender. 
I applied for a car in 2019 and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. 

Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 No Bank have authority to hold any deposits or funds. Regulation E and EFTA ( electronic funds transfer act ) you can release my funds or you will have a lawsuit against you really soon. 

Chase bank froze my account because of a deposit was made to my account and plan on closing my account and returning my funds. 

Chase bank have no authority to hold any of my funds. Regulations E &  EFTA My loan is between me, my entity and the SBA They did not request any LLC or ask me about any business deposits prior to opening my account My name is my business I have no funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: FL

Complaint narrative:
I paid off a collection account over one month ago. It was with XXXX XXXX XXXX, XXXX. When I paid this off they said that this item would be fully removed from all credit agencies. I have an email and letter confirming both. Experian is incorrectly documenting this item even though XXXX is telling them otherwise. The item shows a {$0.00} balance when in fact it should be deleted. This was paid off over 30 days ago and should be removed completely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: NC

Complaint narrative:
A collection agent named Deville Asset Mgmt just reported a {$5700.00} collection account on my credit report. Prior to the appearance of this account on my report, I received no correspondence from Deville Asset. I should have received a 30-day notice to dispute, which i did not, which is a violation of the Fair Debt Collection Practices Act. Furthermore, the original creditor ( XXXXXXXX ) has already reported negative information about this debt for seven years, so a new reporting of this same debt is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
The multiple choice questions are not really relevant to my issue. But I want to make a complaint about Synchrony Bank. My issue is that they eliminated the ability to pay online and will only take our payments over the phone or via mail. Also they do not email a receipt I was told that I would have to send out a letter to a PO Box to request a statement. They have sent our account to a collections agency and ruined my credit. I will admit we had gotten behind by 4 months waiting for an unemployment check because of COVID. I called them asking about the financial hardship programs that they have on there website and the agent was very rude and would not discuss options to catch the account up and was unwilling to set us back up to a monthly plan or have the ability to check our account online and pay the amount off that way.

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 2020-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
In the month of XX/XX/2020 payments never show on billing Statement. I pay {$900.00} interests took all payment also.Never give correct balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: GA

Complaint narrative:
In XXXX of 2018 I submitted all my accounts to XXXX XXXX XXXX to manage all my accounts and to control my interest rates on all my accounts. 

Since my account was not late due to my mishandling of it but due to the interest and contract disagreement between XXXX and Discover technically the payments were being made but the amount and the interest rate was the only point of contention I am disputing the reporting of my account as late. Discover accepted the payments and demanded more money at a higher interest from XXXX who was already paying them on time. 
Since the lower amounts were paid on time this is a fraudulent reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XX/XX/XXXX To whom it may concern : I hope this letter finds you well. I am writing this complaint regarding an issue with Citibank that has been going on for the past 5 months. On XX/XX/XXXX I deposited an expense check, in the amount of {$1300.00}, from my company, XXXX XXXX XXXX, via CitiMobil app. This check was deposited a second time by mistake on XX/XX/XXXX onto XXXX XXXX. XXXX XXXX was made aware of the mistake by me the next day and they started the process to return the money that was deposited for the second time to XXXX XXXX. XXXX XXXX   returned the money to XXXX on XX/XX/XXXX and the issue was settled. On XX/XX/XXXX I received a notification from CitiBank that they have deducted the deposited money {$1300.00} from my account. During the past 5 months I have contacted Citibank Customer service more than a dozen times, had in-person branch visit and sat down with the banker, providing them proof that the money was deducted from the companies account yet they never refunded the money to XXXX. They refuse to give me a clear answer as where this money went because XXXX XXXX did not receive their refund. Citibank is also adament in returning the money back to my account. XXXX, who is XXXX XXXX XXXX XXXX, has initiated a case per request of the company to investigate where this money is and why Citibank is not returning it to me or them. There has been no repsonse from Citibank Customer service despite our best efforts to fix this issue. I have attached proofs and documentation for your viewing and would appreciate your help in this matter. The documents attached are : 1-A copy of the letter sent by Citibank 2- A copy of the check ( Front and back ) 3-A letter from the CEO of  XXXX XXXX XXXX sending the copy of the XXXX statement 4-A copy of XXXX ( XXXX XXXX XXXX ) which shows the money was cleared from their account on XX/XX/XXXX and XX/XX/XXXX 5-A copy of my XXXX highlighted statement ( XX/XX/XXXX and XX/XX/XXXX ) showing the money debited back to the company 6- A copy of the emails from the CEO and the accounting manager of the  company stating they have never received the money back from Citibank! 

Please do not hesistate to contact me for any questions or concerns. I thank you in advance for your time and kindest consideration. 

Regards, 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 2020-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
I received a phone call from a company called XXXX XXXX on XX/XX/XXXX. They stated that due to " bounced checks '' my loan from Availblue which is an XXXX XXXX loan which may be illegal. was getting ready to be sent to the courthouse here in my area for suit. I had sent a letter to Availblue revoking their right to use ACH payments but they still continued to try and take the payments. I called Availblue today XX/XX/XXXX and spoke to someone in Customer Service who said they had received my Revocation Notice but that the account had been turned over to a different collection agency than the one that called me yesterday. 

I never received any notification in the mail from XXXX or the Collection Agency until I received the phone call yesterday. 

I would like to know what my rights are in this case. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
XX/XX/2020 I called my current mortgage lender to inquire about recasting my loan. I wanted to know what the new payment would be if I were to send in a lump sum payment to the existing mortgage balance and have the new mortgage recast at the current rate. The service rep said she can not tell me what the new payment would be. I asked to speak to a supervisor and was told the same thing. They can not tell me what the new payment would be. I would have to send in at least {$10000.00} plus a {$250.00} recast fee first and then they would tell me what the new payment would be, but not before I send them {$10000.00}. They say they can not give me an estimate. 
As a consumer, I'm trying to make the decision between refinancing and recasting. Having the monthly payment information is critical to my decision. Why would this information be withheld from me? I can estimate it myself with a mortgage amortization schedule, but I want it confirmed by my current lender. I don't understand why this can't be provided to me. I just want some one to work with me by discussing loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank is currently reporting me as 30 days late in XXXX when they gave me a deferment and I thought I was protected under the CARES Act to prevent any late payments being reported on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Unauthorized Hard Inquiry placed on my XXXX Credit file from MACYS on XX/XX/2019. However, I do not have a Macys account, nor did I apply for one. 

I called XXXX listed with the hard inquiry on my XXXX   Credit File and spoke with XXXX who advised me to fax XXXX a written request to have the hard inquiry removed. I attempted to complete this but the fax kept failing to the number provided so this was not successful.

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 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: WA

Complaint narrative:
I owed on a bed we had purchased from XXXX XXXX and ACIMA CREDIT  was the company that did all the financing. We were on our last two payments and my wife and I just said lets pay it off and be done. I called the company and told them I would like to pay off the bed. The lady on the other end told me that I could pay {$200.00}. She then started typing and came back and told me that the computer would not accept the full payment and I would have to wait to pay the other payment. I then asked to speak to a supervisor, whom then told me that I was not able to pay the full balance because the system would not allow full payment. I was speaking to them in front of two of my coworkers who asked how any company would not except payment. I then asked the lady if this was a recorded line and she said yes. I wanted to make sure it showed I tried to pay off the account and they told me no. My wife then went online a week later and paid the {$200.00} which it said would close the account. A few days later we received a call from ACIMA CREDIT saying we owed {$43.00} still. I told them I wasn't paying another dime for a bed we were told cost {$450.00} and ended paying close to {$1100.00}. This company continues to call us and ask for payment and I have told them to stop calling me or we would have our attorney get involved. They then put on my credit report that I owe them {$180.00}. The call I received yesterday said I owed {$93.00}. Obviously this company is only trying to collect interest on interest and nothing more. I added my last payment receipt with this complaint. The system told us that was the payment needed to close the account. Here we are months later from XXXX and they are still calling trying to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: Premium Credit Bureau
State: FL

Complaint narrative:
Greetings, I have reached out to all the XXXX concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX  provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. 

I have enclosed a copy of the returned to the sender. 
I applied for a car in 2019 and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. 

Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: Southern Auto Finance Co
State: FL

Complaint narrative:
Greetings, I have reached out to all theXX/XX/XXXX concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX   provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. 

I have enclosed a copy of the returned to the sender. 
I applied for a car in XXXX  and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. 

Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is currently being reported inaccurately on my Experian credit report. 

The company has sent me multiple inaccuracies, worng Date of last activity Inaccurate last date of payment Inaccurate payment history Inaccurate past due balance Account is in Violation of FCRA rules section 1689.

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 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Tired to link account for XXXX  and connection failed.

Company response to consumer: Closed with explanation