vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 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: OK

Complaint narrative:
XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXTexas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing XXXX XXXX XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer 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 2020-05-26 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXX Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing XXXX  XXXX  XXXX XXXX  Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer 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 2020-05-26 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: TX

Complaint narrative:
In XXXX my car was hit by another car. My vehice was totaled and the dealership XXXX XXXX received a check for XXXX. I was told by the dealership in XX/XX/XXXX I still had a balance of XXXX. I recieved a 1099 C with event code of G. On my transunion credit report it shows 2 separete reports one for XXXX that is open and XXXX reported as closed. I have contacted both XXXX as to why there are two reports they say go to transunion, which says only that the report is correct with no explanation or report of any investigation. The car was XXXX when purchased in XX/XX/XXXX with payments of XXXX per month. I don't understand how the balance is the same as the report that was closed and the open report is close to the amount the insurance paid. When I pressed XXXX for answers they claim that the amount on the 1099 cancellation of debt is taxes owed on the car. This seems a little suspicious as I have never gotten any bills or calls from XXXX since XXXX when the car was declared totaled. I just want to understand 1. why they reported to the credit agency two amounts that are similar to the cancellation of debt and the amount they were reimbursed by the insurance company. 2 why the credit agency transunion can not explain why there are two credit reports. I have been unemployed ever since 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 2020-05-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Please see attached screenshot showing Nelnet is charging me interested on my E student loan during the CARES act timeframe when no interest should be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I received a notification from XXXX XXXX about an account being delinquent. The account was noted as opened XX/XX/2020 with a balance of {$99.00}. I am not familiar with this account. The account was listed as a Barclays Delaware account. I tried contacting them at XXXX and was on hold for an hour and 42 minutes before the call terminated. I also visited their " Contact Us '' page and followed the suggestion to message their XXXX  account XXXX XXXX and also did not receive a response. I am unable to resolve this with the company and that is why I am filing a complaint.

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 2020-05-26 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This account was opened fraudulently. Under the FCRA and fdcpa, i have the right to request detailed information from the creditor proving the account is mine such as :! ) I am entitled to see the source of the information, which is the original contract that contains my signature.

2 ) An explanation of what the money owed is for.

3 ) An explanation of how the amount owed was calculated.

4 ) Copies of any agreements signed obligating you to pay for the debt.

5 ) Provide copies or other verification of any judgment ( if applicable ).

6 ) Prove that federal and state statute of limitations applicable to the debt have not expired.

If such information is not provided within 30 days, the account has to legally be removed. Only if such information was presented can experian reject my dispute as frivolous. In addition, extra documentation was provided on my end and they still rejected it as frivolous. Although I have no knowledge of said account, I paid it in full and documentation was provided to experian and they still rejected the dispute. Please remove immediately or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This account was opened fraudulently. Under the FCRA and fdcpa, i have the right to request detailed information from the creditor proving the account is mine such as :! ) I am entitled to see the source of the information, which is the original contract that contains my signature.

2 ) An explanation of what the money owed is for.

3 ) An explanation of how the amount owed was calculated.

4 ) Copies of any agreements signed obligating you to pay for the debt.

5 ) Provide copies or other verification of any judgment ( if applicable ).

6 ) Prove that federal and state statute of limitations applicable to the debt have not expired.

If such information is not provided within 30 days, the account has to legally be removed. Only if such information was presented can experian reject my dispute as frivolous. In addition, extra documentation was provided on my end and they still rejected it as frivolous. Although I have no knowledge of said account, I paid it in full and documentation was provided to experian and they still rejected the dispute. Please remove immediately or I will be forced to take legal action.

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 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
COLLECTION AGENCIES DEMAND PAYMENT ON ACCOUNTS OUTDATED PAST STATE OF CALIFORNIA STATUE OF LIMITATION 4YRS OPEN ENDED/ CREDIT CARD ACCOUNTS ... SINCE XXXX XXXX, 2015 OVER 5YRS OLD AND NOT MY ACCOUNTS/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX/ CXXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: eMoneyUSA Holdings, LLC
State: MO

Complaint narrative:
This is the second time I have I've dealt with this company. I spoke with XXXX from Emoney USA and advised her that they are reporting me late on my XXXX credit report. They said they were going to fix it. but they have not. HOW!!! when I am paying on time and I have my receipts to show it. How can it say paid as agreed and they are showing me 60 days late this is killing my credit scores and they need to delete it I have included all the docs necessary to get this account deleted or the lates reverse? I make payments every month. I need help with this. They are violating my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: CT

Complaint narrative:
A few months ago I received a strange call regarding my credit and placed a credit freeze on all 3 credit bureaus. 

My wife and I are currently looking to buy a house and are applying for a mortgage. When I went to remove the freeze I had no problem with XXXX or XXXX but Experian said my request could only be processed by sending them a physical request in the mail. As I mentioned previously, I am in the process of purchasing a house so this was time sensitive and I overnighted the request with the proper documentation on XX/XX/2020. 

I have confirmation that the delivery was completed a week ago, on XX/XX/2020. I have received no correspondence in return from them. I have tried to contact them multiple times between now and then and have found it impossible to get a human on the phone. I have gotten stuck going in circles with their automated services giving me the same run around as online. Calling their corporate customer line I was able to talk to an operator. When I explained my issue the operator said she was going to connect me to " special services '' then hung up on 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 non-monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PMAB,LLC
State: NC

Complaint narrative:
I received a letter from PMAB , LLC dated XX/XX/2020 ( see attached ), listing several outstanding old medical bills in the about of {$7400.00}. I called PMAB on XX/XX/2020 to inquire about these bills. I spoke to XXXX who told me the bills were in my name and needed to be paid " now '' or it will hurt your credit rating. I asked her to send me verification which I received a letter ( see attached ) listing all the bills dated XX/XX/2020 with a new amount of {$8200.00}. On XX/XX/2020, ( without admitting recognition of the debt or acknowledgment of the liability ), I sent ( see attached letter ) a letter agreeing to settle the debt for {$820.00}. The letter clearly states I asked for a response in 15 days from the receipt of the letter. 

Then on XX/XX/2020 I received an email from XXXX XXXX saying there has been new activity on my credit report. When I checked my report every single medical account from PMAB that was not previously on my credit report is now showing up on my credit report as owed. 

To date, I have not received any response from my settlement offer dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I normally maintain a credit balance on my AA Citi Card ending in XXXX as I, prior to COVID-19 travel quite a bit as a guest speaker at financial conferences and can not always be assured of making specific payments. As a result, the card is set up for {$7200.00} per month to be sent from my bank to your bank for payment on the credit card. I was carrying a credit balance of {$2800.00} on XX/XX/XXXX and this credit was reversed, with a debit on XX/XX/XXXX with the reason given credit refund as requested. Several issues present themselves here. First, I did not request a credit refund. Second in over 22 years with Citi as a credit card customer Citi never did this on my account. When I signed on to chat XXXX responded and informed me that a check was being issued but it was being held because of a dispute with a merchant. The amounts in dispute, there are two of them, total {$120.00} and I will not belabor the lack of logic in the discrepancy of the amount held vs. the dispute nor the fact that this has never been the policy. XXXX continued to state that this was normal policy and I know it is not, at least not on my account for over 22 years. I believe that the funds have been misappropriated and that Citi is unable to provide a reason for either the difference or why, suddenly, the decision to remove a credit and cover it up by telling me it was as requested. I asked to speak with a supervisor but was advised to wait until one was available. I had simply asked for an email from a supervisor stating the policy and assuring me the check would in fact be processed. No supervisor was available.

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 2020-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX I paid off my debt balance. In XXXX there was interest put on to the account that was not communicated via email or mail. I paid it at the end of XXXX ( well within 30 days ).  Capital One has now charged me a late fee and has also put a mark on my credit score. 

I have tried contacting them regarding the charge, they did not offer any assistance or information regarding the late charge. I spoke with a representative and a XXXX, neither of them could even provide me with details of the charge. 
The representatives ID was XXXX and the managers ID was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Submitted a complaint with you today ... # XXXX all of a sudden they responded but want me to pay {$24.00} per month to view the report. Seems to me that this is extortion.

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 2020-05-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've made numerous attempts to reach out to XXXX regarding the inaccurate information it continues to report to my credit file. XXXX special handling doesn't answer the phone nor does it return voice mails. I've left at lest 5 different messages and received not one call back. I've submitted a police report and a fraud FTC report to support my ID theft claim. The following accounts need to be deleted due to ID THEFT. 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX So XXXX doesn't make the excuse that I didn't do this dispute myself Im including a copy of my drivers license and Social Secuirty card along with a police report and fraud affidavit.

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 2020-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NH

Complaint narrative:
Heartland Ecsi. payoff amount is {$5400.00} plus XXXX in interest due. I was several months behind on a personal loan unknowingly I thought I was in forbearance. I sent in a request to forbear up to the total amount owed. I was told I had enough to forbear until the end of May.The forbearance was approved but they did not cover {$730.00} dollars due by XX/XX/XXXX. I have called several times asking abut the referral and they said they were still waiting on the approval, So today I conducted a chat with XXXX. he told me I was placed in forbearance XXXX. That I have used the amount of forbearance allowed. The amount of my dues will not clear to XXXX and that interest has accrued can be paid monthly or in one lump sum with your first monthly dues. The Care act does not apply to this loan. I told her I can barely cover any bills at this time due to losing my art time job. She said unfortunately we can only provide the options under the loan terms of your school. I then asked if this was a federal loan, she said yes then corrected herself that it was an institutional loan. I was given no options and given five days to pay {$770.00} dollars I do not have, It is a small loan. It should be under XXXX a month. I can pay that. I have been getting the run around for sometime. I receive no emails, letters or paperwork monthly. I was given no options nor would they budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
on XX/XX/2019 i recieved an iquiry from AMEX. I didn't authorize this transaction.I disputed the inquiry for deletion but nothing was done about this inquiry.I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
I send a amount or {$2000.00} dlls to an account to XXXX via money gram, they supposed to send me to a personal bank account and never received the money, i send the money in XX/XX/2020., i call in XX/XX/XXXX in XX/XX/XXXX th they open a investigation case and told me in a month i eill have any response but its almost 2 months and didn't received any notification ... call them in XX/XX/XXXX and don't gave me any reason ... im very frustrated because my money is in limbo..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
After paying off the loan with Credit Acceptance I was given the title to the vehicle. Later on CAC claimed there was a pending balance of XXXX and got a judgment against me in state court. I have filed a federal lawsuit in this matter and until it is disposed, I am asking credit acceptance to remove any negative reporting on my credit XXXX v. Credit Acceptance XXXX XXXX

Company response to consumer: Closed with explanation