vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - THIS IS NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 



XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX - NOT MY EMPLOYER ( XXXX ) XXXX - not my number ( XXXX ) XXXX - not my number XXXX XXXX XXXX not my name XXXX XXXX- not my name XXXX XXXX XXXX- not my name XXXX XXXX XXXX XXXX- not my name 
 XXXX XXXX XXXXXXXX - XXXX - THE DATE OF LAST PAYMENT IS DIFERENT IN ALL THREE CREDIT AGENCIES, REMOVE LATE PAYMENTS. 



XXXX XXXXXXXX - XXXX - this account does not belong to me 
 XXXX XXXX XXXX XXXX - this creditor does not own this account. 


 XXXX XXXX- XXXX- I was never late on this account. 



XXXX XXXX - XXXX - paid, never late. 



XXXX XXXX XXXX XXXX - please send me the docs that prove that I was ever late. 



XXXX XXXX XXXX XXXX XXXX - XXXX - remove due to inaccuracy - I never paid late. 


XXXX XXXX - XXXX - Unverified and illegal reporting, remove immediately XXXX, XXXX - XXXX - Account listed twice so this is The Double Jeopardy, This is unlawful reporting and unless I can see your proof, this must be removed immediately 
XXXX  XXXX XXXX XXXX - XXXX - This account is outdated it should have been removed automatically and yet, it shows as if its a new account! 

XXXX XXXX XXXX XXXX - XXXX- Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact! 

XXXX XXXX XXXX XXXX - XXXX - Why are there are late payments reported on the original account after it was sold to a collection agency? As far as I see it, that would make the account inaccurately reported, right? 

XXXX XXXX - XXXX - Account listed twice so this is The Double Jeopardy, This is unlawful reporting and unless I can see your proof, this must be removed immediately. 






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 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 at Bank of America which is located at XXXX XXXX XXXX XXXX XXXX, TX XXXX, United States I deposited {$450.00} into an ATM at around XXXX. However, after depositing my cash the ATM monitor read XXXX deposited. I canceled my transaction the ( ATM also was delayed in response ) and after doing so it only gave me back {$20.00} out of the initial {$450.00} at XXXX the Bank opened and I told the manager of my situation and she said that ATMs were not operated by BoA. So I had to contact costumer service via phone they said they will credit me {$430.00} on XXXX XXXX and do an investigation. However, Im filing a report for a more thorough investigation.

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 2021-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
these XXXX XXXX  have been harassing me for 30 years, never wanting to give me my credit report, reporting fake medical bills, when I have had medical insurance for over 15 years, they have taken it off to sell it to a new collector they had put a fraud alert on my account and I never asked them to so for years I could not get credit, I could not buy a house, could not get a car these low lifes ruined my life, now after having to fight and go to court to get the fraud alert off, all the credit reporting agencies have my credit right and the other scores are XXXX XXXX, but here we go again with transunion they are keeping my score down XXXX and putting fake medical bills again on my credit and all of these fake inquiries, I mean why would a car company pull my credit 3 times in a row, and I have never even heard of these other companies except XXXX  XXXX, but I never asked for them to give me a car loan, this company also refuses, everything I try to get my yearly report online they will never allow me to and it is my report And I have a right to see it and dispute transactions, I want them to stop reporting false information on my report, and give me the name and address to send the lawsuit papers because I have had enough, enough is enough I am XXXX years old and I am sick send tired of putting up with there is and bad practices.

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 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Today, XX/XX/2021, I received a debt collection letter from XXXX XXXX XXXX XXXX. They say tgat PayPal Inc sent my account to collections and I owed {$860.00}. I was supposed to contact them within 30 days. Also, that PayPal was willing to accept partial payment of {$650.00}, paid to XXXX. Once this is paid, if I wanted to use PayPal again, I would have to pay the remaining balance. A few years back I used PayPal to make a purchase, but because I never used it I recently closed the account. I did not owe money because the PayPal account was attached to my bank account. I looked up this company 's address and it comes up as XXXX, NY, not XXXX as on the letter and it is a small little office. There are a ton of reviews attached to the XXXX search warning people not to pay, it was a scam. It is the weekend so I have not been able to call yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30 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: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
I disputed the transaction because the guy who fixed my 75 inch guaranteed for at least a year and it stop working within the first week and then I brought back he said he will apply the guarantee and fix it for free and instead he broke the screen.

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 2021-10-30 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: SLM CORPORATION
State: FL

Complaint narrative:
I attempted to reach out to this private owned student loan company to fix my issue regarding my payment history. I advised that it was impacting my credit score tremendously and my account is currently current and it is in deferment status because I am currently in school. The company refused to update my account to remove the delinquent payment status history. I advised them during those times I was working minimum hours or sometimes no hours at all. Once a time I was out of work and they work not willing to work with me only to receive some type of payment and pushing my account back further. The company doesnt try to assist with their customers or consider their situation and whats going on. We were even involved in a pandemic and I was one of the people who lost their job and they kept calling about a payment after I advised I was out of a job and trying to figure out my next plans. At this point I felt like I was being harassed, being constantly emailed, phone calls, voicemails, and even letters in the mail. The company does not care about their clients. I tried to advise them i was attempting to buy a house for me and my XXXX kids. Im a single mom and they delinquent status from them is heavily impacting my credit score. The dates are listed as followed : XXXX, XXXX, XXXX and XXXX of XXXX and XXXX, XXXX, and XXXX of XXXX. I have contacted the company multiple times. I even have emailed the CEO of the company. Nothing has taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30 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: SC

Complaint narrative:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. WF BANK NA Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2020 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 6. XXXX Account Number : XXXX Please remove it from my credit report. 


I appreciate your prompt attention to this matter, and await your reply.

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 2021-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was received a promotion by chase to be able to transfer {$1700.00} with 0 % APR. I happen to make the transfer from my citi bank account to chase. I happen to see that chase approved the transfer but was not seeing the reflection on my citi bank account. A week had passed and they were telling me it could take time. I happen to call about 2 days ago and I then come across a representative that told me I happen to plug in the wrong numbers to the account. I couldnt understand how was it that it was approved without the numbers being completed of where it was being transferred to. I then ask the representative about this and he explains when you do it online the bank does not verify anything they just see if its approved or not. I was never sent an email nor given a call about the numbers being incomplete. They then go to tell me if I fix it I may not have enough time to take advantage of the promotion because it takes 30 days to fix. I called in to just cancel everything because my credit usage is higher due to this transfer I was initially suppose to make. I dont think its fair I have to wait 30 days for this to be fixed when it should of never been approved if the information didnt match.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
We bought a new XXXX from a XXXX dealer using their financing with XXXX XXXX. We refinance to Pentagon Federal Credit Union ( PenFed ). 
My complaint is with PenFed. 

PenFed paid off the XXXX loan and requested the lien and title from XXXX. 
XXXX sent the lien but not the title.

Two months later I get a threatening letter from PenFed saying that if I don't get the title from XXXX they will either raise my rate or use the lien against me. This is the first instance I've ever heard of any issues between the institutions. 
I call PenFed and they said that XXXX XXXX did not send the title. 
I call XXXX XXXX and they said " The dealership was late sending the title, so when PenFed made the request, we didn't have the title at the time. PenFed needs to call us again or make another request to send the title because we have it now. '' I call PenFed and tell them what to do. PenFed instead emails me their address. 
I call XXXX and tried to give them the address to send the title to. XXXX XXXX refuses because they can only deal with the lien holder ( they must speak to PenFed ) I call PenFed and PenFed said they do not call other institutions to settle matters. That I now must go to the DMV to request the lien and title from XXXX XXXX, then make another request to put the title and lien back in PenFeds name. 
I tell them " No. This is not my XXXX  job to do your job. I did everything I am required to do as a customer, and you are using me as a guinea pig to do your work. And now if I don't do YOUR job, you are threatening me with raised rates or using the lien against me. Make another request to XXXX XXXX to get the dang title and everything will be settled. '' The next day ( today ) I get an email from PenFed saying I need to call immediately. I call them and after 1 hour of being on hold I am told that they denied my request and now I have to resubmit all paperwork with the state of Texas to fix this. 

Since when do the customers ever get involved with situations like this? 
PenFed has deliberately used extortion techniques to get me to do their job.

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 2021-10-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone has stolen my personal information and applied for credit card and housing loan

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 2021-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
I purchased a car from Car-Mart . This car loan company has aggressively collected against me since I purchased the vehicle. They have threatened me with going to jail for no payment stating they had a warrant for my arrest during 2020. This company has contacted my employer, and family repeatedly to the point they have had to block Car-Mart. I have been harassed day and night with repeated phone calls and text messages to the point I had to change my phone number recently just to stop the phones calls. They have put tags on my car for balance due that are not related to the actual note for {$25.00}. They use the tracker they put on my car to show up wherever the car parked and at times this occurs on other people property. I am tired of the collection practice of this business, but I owe them money for this vehicle if I return it will affect my credit. But I can not take the harassment anymore. I am not over 30 days late with a payment this car is not the best vehicle either, but I must pay this loan off. I am starting to develop anxiety issues and stress because of how they are conducting business. I pay my note and that is what is required. I am not in a repossession status my car note is current, but I am not paying the late fees on this account because they only give me 3 days to pay of which one is Sunday when they are not even open which makes me late by Monday. I have written emails, to management, and spoke with several representatives about how they are collecting against me. I can not do this anymore I need help. 


Sincerely Concerned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: DISCOVER BANK
State: NJ

Complaint narrative:
I would like to report a possible violation of the Fair Credit Billing Act by Discover Bank, with respect to its recent reporting of my account being 30-days past due, despite the fact that the balance, previously XXXX, accrued a balance on the basis of transactions ( and associated fees ) that have now been determined to be fraudulent. 

Subsequent to the identification of this unauthorized activity on XX/XX/2021, the charges and fees have been appropriately credited back to me, leaving the balance again at XXXX ( in the absence of any payments by me over this time ). Therefore, obviously the account would never have been late, if not for the fraudulent use of the card. I have voiced my concerns on this reporting matter several times to Discover specialists, both on XX/XX/2021 and on XX/XX/2021. I have been assured the credit report entry will be correctly re-entered, but as this has not occurred yet, I am concerned as to whether this situation will need to be escalated to achieve the outcome I was promised. 

I see no evidence from my recent review of my credit report, or in discussions with the Company, that this data has been corrected as of yet. The original reporting of this lateness has had a catastrophic impact on my credit score, causing it to immediately crash by 96 points. In these challenging economic times, it can not be overstated the potential impact of this outcome to my finances. As it is based on an inaccuracy, it needs to be corrected immediately by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: FL

Complaint narrative:
I attempted to reach out to this private owned student loan company to fix my issue regarding my payment history. I advised that it was impacting my credit score tremendously and my account is currently current and it is in deferment status because I am currently in school. The company refused to update my account to remove the delinquent payment status history. I advised them during those times I was working minimum hours or sometimes no hours at all. Once a time I was out of work and they work not willing to work with me only to receive some type of payment and pushing my account back further. The company doesnt try to assist with their customers or consider their situation and whats going on. We were even involved in a pandemic and I was one of the people who lost their job and they kept calling about a payment after I advised I was out of a job and trying to figure out my next plans. At this point I felt like I was being harassed, being constantly emailed, phone calls, voicemails, and even letters in the mail. The company does not care about their clients. I tried to advise them i was attempting to buy a house for me and my XXXX kids. Im a single mom and they delinquent status from them is heavily impacting my credit score. The dates are listed as followed : XXXX, XXXX, XXXX and XXXX of XXXX and XXXX, XXXX, and XXXX of XXXX. I have contacted the company multiple times. I even have emailed the CEO of the company. Nothing has taken place.

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 2021-10-30 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: FL

Complaint narrative:
I attempted to reach out to this private owned student loan company to fix my issue regarding my payment history. I advised that it was impacting my credit score tremendously and my account is currently current and it is in deferment status because I am currently in school. The company refused to update my account to remove the delinquent payment status history. I advised them during those times I was working minimum hours or sometimes no hours at all. Once a time I was out of work and they work not willing to work with me only to receive some type of payment and pushing my account back further. The company doesnt try to assist with their customers or consider their situation and whats going on. We were even involved in a pandemic and I was one of the people who lost their job and they kept calling about a payment after I advised I was out of a job and trying to figure out my next plans. At this point I felt like I was being harassed, being constantly emailed, phone calls, voicemails, and even letters in the mail. The company does not care about their clients. I tried to advise them i was attempting to buy a house for me and my XXXX kids. Im a single mom and they delinquent status from them is heavily impacting my credit score. The dates are listed as followed : XXXX, XXXX, XXXX and XXXX of XXXX and XXXX, XXXX, and XXXX of XXXX. I have contacted the company multiple times. I even have emailed the CEO of the company. Nothing has taken place.

Company response to consumer: Closed with explanation