vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors and said that the debt does not belong to me. It has resulted in me a loss of credit rating and it is very important to me to have a good and positive remark on my report.

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 2020-08-27 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: NJ

Complaint narrative:
On XX/XX/XXXX of 2020 I purchased a workout bench and ( 2 ) 90lb dumbbells from a site XXXX 

The price was very good, then started to think maybe it was too good of a price and I started to get worried. 

I received the order number XXXX confirmation email and being that I used XXXX to pay, using my credit card number I received that receipt as well. Both, showed my correct mailing address. 

XX/XX/XXXX. I emailed them asking when the soonest I can receive the item since I paid the extra expedited shipping. No answer. 
XX/XX/XXXX I email them to ask when it will be shipped and when I can expect it. No answer. 
XX/XX/XXXX I email again and state if I do not hear back on shipping details or some kind of communication that I would contact my credit card company and treat it as fraud. Again, no answer. 

I reached out to my credit card company. They issued a fraud claim and said they would look into it. In may time frame I was notified that they were in communication with the seller that that they showed proof of delivery.

The proof given was a USPS delivery notification of 1 package delivered to a mailbox in a town and hour away from me. That should have been enough to show it was not delivered. Wrong address and fitting a workout bench and ( 2 ) 90lb dumbbells in a mailbox. 
I disputed their resolution and mailed them the 3 unanswered emails and the XXXX receipt with correct address and receipt from my order, that shows the correct address. 

Chase credit cards supposedly looked into it again and determined their initial findings stand ; meaning they are treating it as non fraud and that it was delivered. 

So, If they had looked they would have seen it was the wrong address and a workout bench and dumbbells were delivered in a mailbox. Addtionally, the site I bought it from is now defunct and shutdown ; having just disappeared. I told chase this as well. 

The letter I received from chase states that per this resolution, they will no longer accept anymore correspondence on this matter. 

They amount of the purchase is {$180.00}. I chose Chase Credit cards, because of their fraud prevention. They did not protect me  and seems like they did not actually look into the matter as common sense would show this is blatant fraud from XXXX, per the receipt I received in part XXXX. I need your help to escalate to someone at Chase who has the common sense and authority to look at this again. You would think Chase would have looked into this and to protect its consumer. It appears they did not look into the matter, due to the blatant signs of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have paid Experian for their three bureau monitoring service. 

Since XXXX of 2020 Experian has not provided three bureau updates. I called in XXXX, I called today and a refund was denied. They could not update the reports manually and refused the refund back to XXXX. They keep billing me but do not provide the reports as advertised.

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 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2020-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
XXXX complaint # XXXX. 

This is unacceptable!! That's the same story we've heard for years ; then they never respond formally. They leave harsh, demanding words in my voicemail.. And they threaten to take XXXX to court if he doesn't pay as soon as possible, and they've been threatening for many years! We need to have this resolved because it's preventing us from purchasing a home. They have all the proof they need ; I guess if you as a government agency, that works for the people instead of the collection agencies, are giving them 60 days we have no choice to take them to court. We don't have money to pay any court costs but we're gon na have to scrape up from somewhere. I beg you to please don't give them anymore time they'v had plenty of time to make some calls, and by the way this is the third time we've sent these documents throughout the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: NC

Complaint narrative:
I am in the process of getting a mortgage. 
I disputed the accuracy of a XXXX XXXX account that has been closed since 2016, but Experian was reporting it as open. 
XXXX XXXX has submitted the correct information regarding the date the account was closed, but Experian logged it in as a recently closed account which dropped my score 26 points. This account is not recently closed. It has been closed since 2016. XXXX XXXX provided that information. Now I have to redispute this account and wait another 30 days? I dont have that kind of time. This is Experians error and they need to fix it. I contacted Experian to request a supervisor, its been 3 days and no return call.

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 2020-08-27 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one bank USA account XXXX not showing on XXXX  credit bureau. This had been removed since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
This was removed from my credit report once.. Now it's sold to another dept company. It was done through a dispute through the credit XXXX  and XXXX  and never gotten back to the company so therefore they removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have some recent concerns about identity theft and have been trying for a couple of months to have Experian put a security freeze on my credit reporting. I have set up an online account with Experian and despite being authenticated for an online account have been unable to process a security freeze through Experian 's portal, which indicates that I can not be authenticated and must submit by mail. 

I submitted all of the requested information in writing to Experian to process a security freeze by mail on XX/XX/2020. This submission was almost 60 days ago and I have not heard back from Experian, whose automated phone system indicates a stated turnaround of 10 days. 

I have tried contacting Experian customer service, but all that is available is an automated number with dead end call trees and no live person. I was able to process a credit security freeze with all of the other credit reporting agencies within two weeks - most electronically. 

It is clear to me that Experian is not a company that cares about consumer protection. It clearly does not want to support freezes, pushing consumers to pay for its credit lock service instead.

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 2020-08-27 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: NC

Complaint narrative:
For the following accounts, I have disputed online, by fax, and through mail and the errors still have no been fixed by all credit bureaus. Some things that one or two credit bureaus deletes, one or two will NOT delete and I don't understand HOW, as it is the EXACT same information. I have been disputing for years, but very heavily began disputing more starting in XXXX of XXXX. 

1. XXXX XXXX : The payment history is incorrect for both accounts negatively showing. I have disputed by mail many times. I have attached TWO pictures of XXXX  which I pay {$39.00} for monthly to monitor my credit. For some reason, Equifax continues to have my payment history reflect inaccurately. I have NEVER been late. XXXX  shows the correct info in that I paid as agreed, yet Equifax shows that I am at least 120 days past due for one account and 30 days past due for another XXXX account. Please correct this and update my payment history as CURRENT, NEVER MISSED A PAYMENT, {$0.00} balance. Thank you. 

2. XXXX : This account was purchased by another lender XXXX XXXX, also known as XXXX XXXX XXXX XXXX and was paid in full and requested to be deleted from my credit report THREE times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They deleted the XXXX  tradeline, but not the XXXX tradeline which is reporting negatively on my credit when I have no negative history with them. They can not validate any information either. This is reporting on ALL 3 of my credit reports with Equifax, XXXX, and XXXX. PLEASE DELETE THIS TRADELINE, as it is unethical to reflect on my credit report. 

3. XXXX XXXX  ( Balance {$5400.00}, last updated XX/XX/XXXX ) : there was fraud committed in my name and by using my SSN. Equifax and XXXX  have DELETED the account from my credit report as of XX/XX/XXXX, but XXXX  has NOT followed suit and deleted this inaccurate information. There have been no debt validations sent to me showing my signature or anything. I have fraud alerts with every credit bureau, as I have dealt with identity theft since before I was XXXX years old. PLEASE DELETE THIS TRADELINE XXXX, as it is UNETHICAL to reflect on my credit report. 

4. XXXX XXXX XXXX XXXX : This account is in good standing showing paid as agreed by XXXX  and Equifax, but XXXX still reflects a charged off amount of {$3700.00} that I do not owe. It has been paid in full and should reflect that. Please update account to PAID IN FULL and PAYS AS AGREED and close and take out of charge off status. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
on XX/XX/2015 I financed a vehicle with Santander Consumer USA in the amount {$14000.00}. After over 5 years of payments I now owe Santander {$12000.00}. After XXXX payments on the account were paid I have paid a little over {$22000.00}, and somehow I still owe Santander {$12000.00}? This is robbery. By the time I'm done paying off this {$14000.00} vehicle I would have paid more than {$34000.00}. I have contacted them numerous times to work with them to reducing the interest rate. All of which has been denied. This should be illegal. I have tried to trade in the vehicle and finance with a different company to attempt to just get out of the loan and the cost would outway the worth. This company needs to be sued. They are theives and practice predatory lending. I would do anything to get out of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. US DEP ED XXXX {$37000.00} XXXX  XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} USDOE/GLESI XXXX {$3300.00} XXXX XXXX {$4000.00} XXXX XXXX {$19000.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$650.00} US DEP ED XXXX {$61000.00} USDOE/XXXX  XXXX {$4700.00} XXXX XXXX XXXX {$2600.00}

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 2020-08-27 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. US DEP ED XXXX {$37000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} USDOE/XXXX   XXXX {$3300.00} XXXX XXXX {$4000.00} XXXX XXXX {$19000.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$650.00} US DEP ED XXXX {$61000.00} USDOE/XXXX  XXXX {$4700.00} XXXX XXXX   XXXX {$2600.00}

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 2020-08-27 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 AM A VICTIM OF IDENTITY THEFT. I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY PURSE WAS STOLEN AND MY ID WAS STOLEN AS WELL. I AM STILL BEING VICTIMIZED BECUASE THESE ITEMS ARE BEING REPORTED ON MY CREDIT REPORT. I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE NOT BEEN REMOVED.

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 2020-08-27 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX my loan was sold from XXXX XXXX ( XXXX ) to NationStar/Mr. Cooper. Mr. Cooper sent me a letter letting me know they were my new lenders & to please call them in order to start making payments. I called them to do so & " they '' said they couldn't accept payments because the previous company, XXXX, was under a Class Action Suit & because of that " they '' couldn't accept my payments. My attorney had asked me to ask them since they should've still be able to accept payments. I offered to pay them ALL of the payments that XXXX refused to accept since they were being sued. I told them I had ALL of my payments, yet THEY ( Mr. Cooper ) still refused to accept payments until the case was resolved.  Because of that they decided to mark me 180 days from XX/XX/XXXX - XX/XX/XXXX. I sold my house in XX/XX/XXXX & they got all their payments so I am still confused as to how they can mark me as such. I have asked them to change this & they still have not. Is there anything you all can do? Pls help since none of this was my fault & it was them ( Mr. Cooper ) who ultimately refused to take my payments. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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 AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN AND MY ID WAS ALSO STOLEN. I AM BEING FURTHER VICTIMIZED BY THIS BEING INACCURATELY REPORTED ON MY CREDIT PROFILE.

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 2020-08-27 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 — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2020 I was the victim of a phishing scam, involving a fake Website. I deleted the screenshot of the fake website when the fraudulent charge was originally credited to my card. I did, however, submit the name of the fake website on XX/XX/2020, immediately, when I received a XXXX transaction receipt from XXXX XXXX. The website was not named, XXXX XXXX, and I have no idea who or what XXXX XXXX is. 

5/3rd bank " investigated '' the fraudulent charge. From the seller they received a fake business name, " XXXX XXXX, '' a fake business Email, " random numbers and XXXX, '' which is a spam Email server XXXX, XXXX, XXXX, and others will not allow Email from, a fake business phone number with an area code that doesn't exist, and calling the business phone number results in a recording saying the number is not a working number, a XXXX slip that does not display my home address, and when I called XXXX for clarification, they said the tracking number on the slip was related to a package that came from, " XXXX, '' even though the " investigators, '' received NOTHING from XXXX, and a copy of the document they received from the seller that requested " proof of the purchaser receiving the item '' which was completely blank. 

And yet, with these and even more illogical red flags displaying to any logical thinking human being that the charge is in fact fraudulent, the " investigators '' deemed this a " legitimate '' purchase, and reversed the credit they issued on XX/XX/XXXX. 

This is now XX/XX/2020. I closed this account on XX/XX/2020, due to the horrible mismanagement of this fraudulent charge investigation. I have no charges on this closed XXXX account other than this one fraudulent charge. In fact, have no other charges on any other credit card. 

Even though it is closed, I have received two late fees, two interest charges, and even though I received a document stating credit bureaus would not be contacted, there was a delinquent account message sent to XXXX, which lowered my XXXX  credit score from XXXX to XXXX. 

I have contacted 5/3rd well over 50 times. I have sent pages and pages of documents through the mail, Email and fax, showing why I am a victim of a phishing scam. I have been into two local branches, and communicated with well over 50 5/3 employees by phone, Email, and Chat. I am told to wait, and wait, and wait. I am told supervisors, " Do not take calls. '' I am directed around and around and around and around in circles. 

I have contacted the XXXX, XXXX XXXX page, disputed by XXXX credit account, and now am contacting the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: SCA Collections, Inc.
State: SC

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of 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