vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 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: Cogent Road, Inc.
State: CA

Complaint narrative:
This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/XXXX an inquiry was made on XXXX by a firm called XXXX XXXX and on XX/XX/XXXX on XXXX by a firm called XXXX XXXX . I have since found out this is the same company. I contacted XXXX I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative Stated XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX is, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For years I have battled to get the correct information printed on my credit report in regards to two accounts that have been closed with the department of child support by the mothers and I continue to have full custody of the children. Not only is the balance information in accurate and completely out of date but so is the history. I have reached out countless times but only seem to get a request for supplemental identification documents from Equifax and nothing is done I am legally XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and often fall short of what they require for documentation yet here it is. I am also clinically proven with severe XXXX and have been fully medicated since I was XXXX so all of this becomes a huge challenge when I am faught by the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: WA

Complaint narrative:
A collection just showed up on my credit report. I have never taken out a pay day loan. Date opened is unknown. The collection company is Midwest Recovery Systems. I have disputed on my credit report through XXXX. I do not have anything negative on my credit report until this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
Very difficult to cancel and remove my information from the site. they make you call to cancel. You can sign up online but you can't cancel online. Good example of predatory marketing

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 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For years I have battled to get the correct information printed on my credit report in regards to two accounts that have been closed with the department of child support by the mothers and I continue to have full custody of the children. Not only is the balance information in accurate and completely out of date but so is the history. I have reached out countless times but only seem to get a request for supplemental identification documents from XXXX  and nothing is done I am legally XXXX and suffer severely from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and often fall short of what they require for documentation yet here it is. I am also clinically proven with severe XXXX and have been fully medicated since I was XXXX so all of this becomes a huge challenge when I am faught by the credit bureaus

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 2018-06-28 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: MO

Complaint narrative:
I'm requesting that the following accounts be blocked from my credit report, I have stated before that I have no knowledge of the accounts and nor was I provided any physical verification of such. If the credit reporting agencies can not fix this situation. I will file suit and sue. The accounts inwhich I'm referring to is XXXX  XXXX for the amounts of {$160.00}, {$140.00}, and {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: LA

Complaint narrative:
On XX/XX/2018, a written request was sent to them to stop all ACH debits from my bank account. Since then, theyve continued to deduct six more times, {$36.00} each, totaling {$210.00}, as today. This doesnt include NSF fees I have incurred due to them deducting money from my account.

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 2018-06-28 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: MO

Complaint narrative:
I'm requesting that the following accounts be blocked from my credit report, I have stated before that I have no knowledge of the accounts and nor was I provided any physical verification of such. If the credit reporting agencies can not fix this situation. I will file suit and sue. The accounts inwhich I'm referring to is XXXX XXXXXXXX for the amounts of {$160.00}, {$140.00}, and {$110.00}

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 non-monetary relief
Consumer complaint received 2018-06-28 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: MO

Complaint narrative:
Two accounts are constantly being reported to the credit agencies inwhich I'm disputing due to the fact they're not mines. I'm within my consumer rights to ask that you the credit reporting agency to block the following accounts from my report. The accounts are XXXX XXXX XXXX, and XXXX 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 2018-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My debit card was hacked via PayPal several times between XX/XX/XXXX - XX/XX/XXXX with several unauthorized transactions made on my XXXX account. Duplicate accounts were made with my information. When I complained the charges were removed by XXXX. PayPal made unauthorized transactions to my debit card to match the fraudulent charges without my knowledge despite being in recent communication with them. That caused me not to have access to those funds in my checking account for 3-5 business days. 
I called to see why this was done and PayPal refused to give a satisfactory answer. They provided wrong information stating PayPal has never been hacked. They described making the unauthorized transactions as procedure. 
PayPal also denies their role in me being hacked. On XX/XX/XXXX I filed a complaint with the CFPB. Included in that complaint was demands that PayPal provide more information about the hack. I also demanded an explanation as to why my debit card was charged instead of my PayPal account. I also demanded PayPal explain why they chose to make unauthorized transactions to my debit card several times in the amounts I was hacked for without my knowledge. PayPal refused to provide appropriate answers, but instead chose to provide a statement about them having permission because I signed up. I followed up with a demand for a straight answer and PayPal ignored the demand as well as the CFPB. On XX/XX/XXXX my XXXX account was hacked the same way as my XXXX account. XXXX explained that a duplicate account was made using my information and was able to make an unauthorized transaction on my debit card. All of the hacks involved were done while PayPal was my payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: MO

Complaint narrative:
Two accounts are constantly being reported to the credit agencies inwhich I'm disputing due to the fact they're not mines. I'm within my consumer rights to ask that you the credit reporting agency to block the following accounts from my report. The accounts are XXXX XXXX XXXX, and XXXX 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 2018-06-28 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had called XXXX back in XX/XX/2018 after my wallet was stolen to report my card as stolen and to inform them that there had been fraudulent charges made on my account. The employee that I spoke to said that he would get it taken care of. The next month I went online to check the status of my account, and it still showed the charges on the account. I called again to figure out what was going on, the next employee I spoke with said the same thing " we will get this taken care of ''. Next month, the same situation so I called once again, this time the employee is telling me to make a payment. I can't believe it, they still haven't fixed this problem AND now they're telling me to pay for charges I haven't even made ... I made the payment just so I wouldn't have my credit report getting a late. The next month comes around and now I have a 30 day late on my report as well as the balance on my account showing as DOUBLED. The original {$300.00} in fraudulent charges how now turned into {$690.00}. I called XXXX again repeating the situation and the employee tells me they are still working on it, although it shouldn't take longer than 90 days from the day I originally reported it. Well its already passed 90 days at this point ... No solution has been made to this day. I don't want anything to do with this company, please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account with Bank of America in 2017. At the time, I believed I was engaged to marry a man who was then out of town working on a job. He had a " friend '' of his deposit a check for just over {$36000.00} into my account to " cover the vast amount that I had sent him whil he was out of town and then to send him a " little spending money ''. I, of course, did not have {$36000.00} in my account to cover this check, so Bank of America called to confirm the funds. The originating bank called the maker fof the check, who not only said that he did not authorize the check, but that I must have created the check and then tried to pass it through my account, OF COURSE, I DID NEITHER OF THESE THINGS. For months I tried to get from Bank of America the address and person to send what really happened, because now I was unable to open XXXX banking account anywhere. For MONTHS, I got different Answers and NONE were right. Finally, I was given an address in Florida and ended up sending the letter THREE TIMES, only to find out that once again, I had been lied to and that the matter was handled both by XXXX and some Company called XXXX XXXX XXXX. By the time i received this information, I had been contacted by a Special Agent with the XXXX Department. It seemed that my " fiance ' '' was a very well known scammer who they have been trying to catch for a very long time. I sent all the information, along with the Special Agent 's name and contact information and their file number. I have sent this information to XXXX and XXXX XXXX Systems, but XXXX personnel tell me that even if you have sufficient supporting information, they are not in the habit of " admitting they might have made a mistake ''. I am well aware of this after having my wallet stolen and my Target card used with my DL, which was in my wallet, sending the same letter and supporting documentation to them FIVE times and they STILL refuse to take it off! Now, here I am having been scammed by the best of the best out there, I've been fighting for two years just to get the truth out of a bank on where to object to their decision, only to find out that the decision, apparently is in the hands of a company with an ego bigger than XXXX 's, Do you think that I am going to get a fair decision? Do you think that I will ever be able to have a checking account again? Do you have any idea how many of these scammers are out there and we are shut down because of their illegal activities???? Are you willing to help me?? I have been cooperating with the XXXX Department and have been told that the information I have provided has been invaluable, but that does not secure me a checking account!!

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 2018-06-28 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: IL

Complaint narrative:
This is a complaint in response to a previously closed complaint filed on XXXX, reference number XXXX based on a response from Experian on XXXX. 

Original complaint was based on the illegal re-insertion of information into my credit report, without notification of the credit reporting agency as required within five ( 5 ) days of previously disputed information that is invalid. 

In the response to the above referenced complaint, Experian 's official, binding response stated, " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. According to our records the account number provided in your complaint is not appearing on your Experian credit report. '' However, based on a review of my Experian credit file on the date of their response ( XXXX ) and with re-verification on XXXX, the information they stated is " not appearing on your Experian credit report '' is and has been present on my credit report since before the original complaint was filed. The information was verified directly by a service that is owned and operated by Experian. 

Experian 's response to the complaint is a blatant misrepresentation of the information that is truly present on the report, which represents transmittal of false information to a consumer and refusal to investigate a complaint as required.

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 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX MY SOCIAL SECURITY NUMBER IS XXXX DATE OF BIRTH XX/XX/XXXX PHONE XXXX XXXX ON XX/XX/XXXX MY CHASE XXXX XXXX   CARD XXXX XXXX XXXX XXXX CARD NUMBER XXXX XXXX XXXX XXXX WAS UNDER REVIEW BY THE REWIED DEPARTMENT PHONE XXXX XXXX HOURS XXXX TO XXXX I SPOKEN TO A LADY AROUND XXXX THAT CALL IS ALSO RECORDED I ASK HER WHY MY ACCOUNT IS XXXX XXXX AND THEN SHE TOLD ME THAT IT TAKES 10 DAYS TO COMPLETE, SO I ASK HER IF THEY CAN DO THE REVIEW QUICKER BECAUSE I HAVE TO PAY MY KIDS SCHOOOL BILL FOR PRIVATE SCHOOL, AND SHE TOLD ME THAT MY ACCOUNT LOOK OK IT SHOULDNT BE ANY PROBLEMS AND GETTING THE BLOCK REMOVE OFF IT I ALSO STATED THAT I APPILED FOR THIS CARD AND THAT ALL CHARGES ARE VALID. SO SHE NOTED EVERY THING I SAIS AND ALSO THAT CALL WAS RECORDED TOO, SO AROUND XXXX I GOT A CALL ON MY OTHER NUMBER XXXX XXXX THAT THEY COMPLETED THE REVIEW AND THAT EVERY THING MATCH ON MY ACCOUNT AND THAT THE BLOCK WAS REMOVE, SO I TRIED TO USED MY CARD THEN ALL OF SUDDEN THE BLOCK WAS STILL ON THERE I CALL SECURTY OPERATIONS AND THEY TOLD ME THAT EVERY THING WAS OK AND THAT WAS ACCOUNT WAS JUST OVER LIMIT THEN ALL OF SUDDEN I CALL CHASE XXXX DEPARTMENT AT XXXX XXXX AND THEY TOLD ME THAT MY ACCOUNT WAS CLOSE DUE TO HIGH BALANCE AND CASH TAKE OUT, I TOLD THEM THAT I SPOKEN TO SOMEONE ELES AROUND XXXX AND THEY TOLD ME THAT EVERTHING WAS OK ON BOTH OF MY CREDIT CARDS, AND THAT OTHER REP I SPOKEN TO SAID THAT SHE WILL FORWAD THIS TO HER SUPERVISOR TO TRIED TO REINSTATED BOTH OF MY CARDS. AND THAT SHE SEE THE NOTES HER ON MY CARD. MY COMPLAINT IS THAT CHASE XXXX XXXX XXXX DEPARTMENT XXXX UP HER BY CLOSING MY CREDIT CARD UNFAIRLY, THEY DISCRIMINATE HEAR BECAUSE THE OTHER PERSON ISPOKEN TO TOLD ME EVERY THING WAS OK AND I THINK THAT THEY CLOSE IT BY MISTAKE, I UNDERSTAND THAT I HAVE A HIGH BALANCE ON THE CARD BUT I HAVE TO PAY MY BILLS AND ALSO HAD TO PAY MY KIDS SCHOOL BILL, IM SURPRISE THAT CHASE SHUT DOWN MY CREDIT CARD AND I HAVE LITTLE BABIES, I WAS PLANNING TO GO SHOPING AND BUY CLOTHES FOR THEM CAN YOU TALK TO CHASE CARD SERVICES AND SEE IF THEY CAN REINSTATED MY CREDIT CARDS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a loan with CHASE XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have a loan with PNC MORTGAGE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

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 2018-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My car was repossessed at my home in Florida in XXXX of 2015. My account address was listing as Florida and the car was registered to the same address in Florida where the car was repossessed. I never received any documentation after the repo. After seeing the repo on my credit report I have contacted the company and they sent my notice of intent to sale and explanation of surplus or deficiency to my old address in North Carolina instead of my known address in Florida. I believe that this was done purposely.

Company response to consumer: Closed with explanation