vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX, I am submitting the complaint myself and there's no third party involved. 

XXXX consumer notified me that I was in a class action suit due to my loan qualifying for a settlement because they were practicing subprime lending practices. 

They admitted that they broke the law after I've submitted several disputes. After I received the settlement I disputed again and the dispute was denied. The loan should have been removed from my credit report already and is now affecting my score and ability to move forward with financing a vehicle. 

Lawfully, they're not reporting accurate information.

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 2021-10-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX, I am submitting the complaint myself and there's no third party involved. 

XXXX consumer notified me that I was in a class action suit due to my loan qualifying for a settlement because they were practicing subprime lending practices. 

They admitted that they broke the law after I've submitted several disputes. After I received the settlement I disputed again and the dispute was denied. The loan should have been removed from my credit report already and is now affecting my score and ability to move forward with financing a vehicle. 

Lawfully, they're not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flandreau Santee Sioux Tribe
State: TX

Complaint narrative:
I sent a revoke authorization of payment to 605Lending and XX/XX/2021 I received a email from the lending company saying they received the authorization and would stop taking out automatic payments. I also did a stop payment with my bank. XX/XX/2021 a check was written from my account in the amount my monthly payments were from this company. I dont write checks or own a check book. I called my bank it is currently being disputed for fraud to get my money back. In mid XXXX I let the company know of my situation financially and that I was out of work they didnt want to work with me. But writing a fraud check to get their money is illegal and if it isnt fixed Ill be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: FL

Complaint narrative:
We submitted a dispute with Chase bank for the sum of {$10000.00}. We made a purchase from a supplier on XXXX and the supplier never sent out the items. After several attempts to have them send it out, they refused to send out the items. We provided Chase all documents showing the supplier would not send out the items and we were protected under the Fair Credit Reporting Act as the under the Fair Credit Billing Act ( FCBA ), ( 15 U.S. Code 1666-1666j ), if the merchant is unable to ship within the promised time, it must notify the purchaser by mail, telephone, or email, give a revised shipping date and give the purchaser the chance to cancel for a full refund or accept the new shipping date. The merchant also must give the purchaser some way to exercise the cancellation option for free. If the merchant can not meet the revised shipping date, it must notify the purchaser again by mail, email or telephone and give the purchaser a new shipping date or cancel the purchasers order and give the purchaser a refund. Chase refused to honor our dispute and sided with the merchant despite them still having all the supplies and never sending them out. Originally, they stated that since we only paid a deposit, we had to pay the rest. However, the merchant stated they would not send the items and it has been several months since they were supposed to be delivered. The items can no longer be sold. Chase told us to submit another dispute stating we wanted to cancel the items. We submitted the second dispute. Chase immediately denied the dispute stating we have a valid claim but have to sue the merchant as they will not honor the dispute. We would like Chase to follow the FCBA and protect us as consumers before we begin our process of initiating our lawsuit. Please return the chargeback amount of {$10000.00} as we are not responsible for this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Franklin Collection Service, Inc.
State: SC

Complaint narrative:
I called Franklin Collections on XX/XX/2021 about a dispute and the representative failed to state the FDCPA. I called to inquire about having a debt removed once paid and at this point since she violated I shouldn't be held responsible for it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: FL

Complaint narrative:
I have some inquiries that they are not mine they ask to send them an ftc report I did everything they ask me they send me a report that say those inquiries been deleted I been waiting 3 months an they are still showing in my credit I call them they told me those paper been more than 90 days so I need to send a new ftc report if not they cant do anything an I dont understand after I got a report that it there that is deleted why is showing up why I have to do everything again because of. Errors in the part

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
A credit line to purchase XXXX equipment from XXXX was opened fraudulently in my name with Citizens One Bank. I first noticed this fraud when I received an order confirmation ( XXXX XXXX Confirmation # XXXX ) from XXXX on XX/XX/2021 for two XXXX in the amount of {$880.00}. I immediately contacted Citizens One to report the fraud. I repeatedly followed their instructions to receive a " Fraud Investigation Kit '' but they continually failed to actually deliver the materials. 
On XX/XX/2021 I sent Citizens One a letter following the instructions of the FTC Identity Theft website. 
After multiple calls and other correspondence, I received the fraud reporting kit from Citizens One on XX/XX/2021. I returned it via US MAIL that same date. 
I have received no response to the fraud report submitted on XX/XX/XXXX. Citizens One has reported a delinquency to credit bureaus under my name. 
At no time did I EVER order anything from XXXX, EVER apply for credit from Citizens One or EVER receive any merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
XXXX has yet again sent me to another collection agency after me disputing it, the first dispute resulted in them removing the collection but have now put it back on my credit using a different company, I tried disputing it either new company called Diversified twice but they wont remove it, at first there was an amount of XXXX dollars now the amount doesnt show.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DISCOVER BANK
State: GA

Complaint narrative:
In the summer of XXXX I agreed to co-sign a loan for 1 semester at XXXX  XXXX XXXX  for my nephew. Unbeknownst to me my nephew took out a loan for an entire school year. Two weeks later my nephew asked me to co-sign for an additional {$1000.00}. I told him no, my nephew then used the information that I had given him for the legitimate request to co-sign for 1 semester ( approx. {$2200.00}. ) to fraudulently obtain the additional {$1000.00}. I reported this to Discover Student Loans, and was advised by them to file a police report. When I tried to file a police report a sheriff at the XXXX XXXX XXXX XXXX XXXX  told me that because I willing gave my information to my nephew I could not file a police report, but that I would have to file a lawsuit. ( which I did do, on XX/XX/XXXX filed a small claims for {$1200.00}, which is {$1000.00}. plus interest ). my nephew paid me {$1200.00} and the court awarded me {$99.00} court cost. ) For the {$8600.00}. loan it was dismissed without prejudice because it was brought too soon. I did give my personal information to my nephew however he used it fraudulently to obtain loans for more than I agreed. I found out much later from the FTC that the XXXX XXXX XXXX XXXX XXXX  was incorrect with what they advised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to Transunion, XXXX, XXXX on XX/XX/2021 and on XX/XX/2021. On XX/XX/2021 I got a copy of the revised updated report with the same old information?

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 2021-10-12 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: PR

Complaint narrative:
I have two accounts that come out on my XXXX XXXX credit that I do not recognize. 
The first is with the account number XXXX ** and which was opened on XX/XX/XXXX and has a balance of {$19000.00} The second account has an account number XXXX ** and it was opened on XX/XX/XXXX with a balance of {$9300.00}. 

My concern is that both accounts are not ias and are reported on the credit that they are.

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 2021-10-12 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: PR

Complaint narrative:
I have two accounts that come out on my XXXX XXXX credit that I do not recognize. 
The first is with the account number XXXX ** and which was opened on XX/XX/XXXX and has a balance of {$19000.00} The second account has an account number XXXX ** and it was opened on XX/XX/XXXX with a balance of {$9300.00}. 

My concern is that both accounts are not ias and are reported on the credit that they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: PR

Complaint narrative:
I have two accounts that come out on my XXXX XXXX credit that I do not recognize. 
The first is with the account number XXXX ** and which was opened on XX/XX/XXXX and has a balance of {$19000.00} The second account has an account number XXXX ** and it was opened on XX/XX/XXXX with a balance of {$9300.00}. 

My concern is that both accounts are not ias and are reported on the credit that they are.

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 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Both my BofA and XXXX credit card numbers were stolen on Wednesday XX/XX/2011. On Monday XX/XX/XXXX approximately ten fraudulent charges hit my BofA credit card and two hit my XXXX credit card. All were online purchases to XXXX, XXXX XXXX , XXXX, and XXXX XXXX . All told, approximately $ XXXX was charged to both cards. 

On XX/XX/XXXX we had movers with XXXX XXXX XXXX XXXX XXXX collect our household goods for a move to XXXX. I used both cards to pay the $ XXXX moving fees. The driver did not have the capability to swipe my cards and had us write my credit card information on the invoice. He also took front and back cell phone pictures of both cards. He said it was procedure. I was not comfortable with this, but by that point the deed was done. 

On the XX/XX/XXXX BofA alerted me to a series of unauthorized charges. I had a suspicion it was from someone with the moving company, though I was not sure. Shortly thereafter XXXX alerted me to unauthorized charges. Though I can not *prove* it was someone at the moving company, it is the only entity that obtained both of my credit cards. As charges occurred simultaneously, this is the only thing that makes sense. 

I contacted XXXX XXXX with Quality Control, XXXX XXXX XXXX XXXX XXXX. She took the relevant information and started an internal investigation. I do not know the status of her investigation. She is at ( XXXX ) XXXX, XXXX. 

XXXX resolved all of the fraudulent charges. BofA resolved all of the non-Lowes charges including {$3000.00} to XXXX XXXX and {$71.00} to XXXX XXXX, but denied a charge for {$1700.00} and {$210.00} made to XXXX online, stating that " based on your account history, this charge is consistent with previous charges with this merchant. '' On Saturday XX/XX/XXXX I made a POS purchase from my local XXXX XXXX in the amount of {$42.00}. Because this was a Saturday the bank did not process the charge until Monday XX/XX/XXXX, the day the other fraudulent charges occurred. Because of this -- and despite me clearly instructing the bank not to do so -- the bank lumped this legitimate POS charge into my fraud claim, then denied the entire claim based on this one, legitimate purchase. I have asked the bank to review the claim again without the legitimate POS charge but again, based on this one charge, denied the entire claim.

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 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: MA

Complaint narrative:
I was a victim of identity theft from XXXX-XXXX I found auto loans and credit cards and personal loans under my name I submitted a dispute along with a police report and was able to prove fraud.the collection was sold to another company cks prime investment Ive explained numerous times my situation and they have done nothing to resolve 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 2021-10-12 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: TX

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
EXPERIAN and XXXX are violating my rights by reporting inaccurate and unfair information on my consumer report to which I never gave direct consent. EXPERIAN is reporting that my account is in repossession. THIS IS FALSE! No repossession ever took place and this account is currently under dispute for XXXX 's fraudulent activities. I have notified EXPERIAN by post mail of these violations and have demanded that this information be deleted immediately! I have tried calling EXPERIAN and no representative can assist me with this matter. I am demanding that EXPERIAN comply with federal regulations regarding my consumer rights.

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 2021-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
Hi, I created an account with XXXX XXXX XXXX XXXX XXXX  ( BlockChain ) sometime around XX/XX/2021. However I did not make any transactions till the XX/XX/2021. I made a total deposit of around XXXX USD. 
However, my issue comes about when I try to withdraw the XXXX. I keep on getting the error " Invalid Withdrawal Amount '' and " Already has withdrawal pending on address : processing another transaction ... '' ( Kindly note that I have been trying to withdraw since the XXXX of XX/XX/2021 ). 

I have reached out to the customer service team severally and none of the solutions they have provided seem to work. Its quite funny that one of the Agents asked me to send a XXXX XXXX XXXX so that he can help with my issue yet on the console, it is clearly stated that I shouldn't share with anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Card opened in XX/XX/XXXX. I haven't ever received a statement from them to this day, and didn't receive my card until Months later. Didn't have online access because I didn't receive a statement/billing/card info. They stated I have a late payment marked for XX/XX/XXXX. I am not receiving statements, no online access, no communication AT ALL. They removed multiple late fees due to this internal error previously so if they can admit it was an error qnd remove the fee, why won't they remove the remark to the credit bureaus. As soon as they called me stating I was being sent to collections for a late payment I had no idea of, I paid the balance. I have received NO communication from them for late payments, no statements, calls nothing so I didn't know when my payment was due or what my balance was. I have asked for this to be removed from my credit report multiple times due to an internal issue on their end and even filed with my credit bureaus and provided all information from my account with them as well as screenshots from the online system I finally got access to end of XXXX XXXX from a helpful representative that finally wanted to assist. Today I spoke with a manager and they said they will not do anything at this time and to " wait for the letter '' ( that I'll never receive ) from the last dispute for removal even though I can clearly prove I'm not getting mail and have no access to see what they wrote. This has been going on since the day they called me in XXXX stating I was late. This is the only late mark on my credit report as I don't pay bills late and always try to pay early but without statements and access to what I owe and when it's due, How can a company expect someone to pay them appropriately. In the screenshot you can see all payments to prior to XX/XX/XXXX were made by phone and are on different dates because I didn't know when my bill was due nor did I have online access to see statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have spent countless hours on the phone with Santander regarding the servicing of my mortgage, which I attempted to remove from Forbearance. Due to a " coding error '' on their part and a subsequent mistake in the timing of the forbearance deferral I am now in default of my current home mortgage purchase, which will need to be delayed by two months. I am in contract and the deposit is currently in escrow. 

I have taken every possible measure to correct this mistake and have other loans which I have successfully removed from forbearance, so this is the only mortgage servicer with which I have encountered such difficulty. Emails have been ignored and phone calls from specialists were never returned as promised. 

The sheer number of hours I have spent over the past 2 months without a resolution amounts to gross negligence given how clearly I have explained the problem without an attempted resolution or explanation on their part and I would like to be compensated for my time and/or monetary 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