vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 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: LA

Complaint narrative:
Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I had private college debt with Congress collection from three years ago. First they put the debt in my credit report then they started the communication. When I talked to them I arranged payment plans. But then I got unemployed then they stopped any communications with me. A month ago they put the remaining balance on my account again without sending letters or calling. I called to tell them I have a hardship and if they need proof so will provide me with the proofs so they can remove the debt from account temporarily until i would be able to maintain my payment again. I was treated horribly the agent and the manager didnt give a chance to explain myself and tell them about my situation. Recently because of vivid 19 my hours were reduced and I applied for the unemplyement. So I told I have a hardship and they need to remove the debt temporary. But no hope. They obviously were so disrespectful. They provoke me and the manager I believe her name is XXXX or XXXX didnt workout any other solutions with me didnt explain anything for. I know for a fact if I have hardship and provide them with the proofs they can remove the debt temporary from my account. But she said no I dont have a hardship and I sound like Im lying. They didnt even bother to ask why I have a hardship whats going on they didn explain anything. Two times the debt was reported to my account with any attempts of communications with me. I was treated so unfair. Both the agent and the manager didnt give me the chance to explain my situation. They just want me to pay in any way. They didnt explain what options I have to avoid the negative account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a copy of my credit, there is an account that doesn't belong to me. There are also inquiries that do not belong to me. Please investigate this account and inquiries. Please delete this info from my credit profile. Send an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2020, I accessed my Chase Marriott Rewards card online. My credit limit had been reduced from {$25000.00} to {$12000.00}. I contacted customer service at XXXX. I was told a letter was sent out in XX/XX/2020 advising me of the change. I told the rep I never received the letter. I told the rep I have a XXXX credit score on average and have an impeccable credit history with them so why do this to me. I asked they increase my limit back to {$25000.00} given I didn't receive the notification and that it was possible with everything surrounding Covid-19 I should be given the benefit of the doubt. They said the only way that would happen is if I re-applied for the credit increase. I told them to cancel my card if this was how they were going to treat a customer of more than 15 years and they said no problem and cancelled my card. I believe this action was not warranted given I contacted them in a reasonable period of time and my argument was valid and true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: LA

Complaint narrative:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
the debt was a result of identity theft. after contacting the company by mail on numerous occasions I've decided to pay the debt off completely. the company sent me a letter stating my debt has been satisfied and I have no obligation relating to this account. The collection is still showing on my credit file. I contacted the company and spoke with Rep XXXX who was very rude and refused to help me to remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: Kinum, Inc., Indianapolis, IN Branch
State: MD

Complaint narrative:
I contacted this creditor that the account was sold too. I requested proof that this was my account. I have NO clue of this acct nor ever rented any music equipment. They were short and rude without any help my name was on there and that was enough she stated. My name is very common! I will seek legal action if this company does not resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: KY

Complaint narrative:
On XX/XX/2020, the cares act went into affect. All interest on student loans should then have been stopped. I made a payment on XX/XX/2020 and after that payment was applied my interest balance was XXXX. 
I checked my account on XXXX and the interest balance was still XXXX. 
I continued making payments to this account during the cares act and they went straight to principle. 
I checked my account on XXXX and the interest balance was still XXXX. 
On XXXX I checked my account and my interest balance went up to XXXX. 
When I called the company they said the reason for the increase was because I was applying payment to only 1 of 2 accounts. 
This completely doesn't make sense to me. If there is no interest accruing than it shouldn't matter to which loan I am making the principle payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I inquired about the $ XXXX monthly fee on account XXXX XXXX XXXX at Regions Bank late last year. I was told that if we have a paycheck direct deposited into the checking account, the fee would be waived. We pointed out that we do indeed have a paycheck direct deposited into that account every month and the branch manager said " he would take care of it ''. I've been charged {$8.00} a month ever since. I bring it up EVERY time I talk to anybody at Regions and they always assure me " they will take care of it ''. They have pulled {$48.00} out of my account in XXXX that should not have been taken out and it appears they will continue to do so indefinitely. This is WRONG!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I accepted a promotional offer of {$400.00} to open a new checking account. The terms stated I must have {$3000.00} in direct deposits for three consecutive months within 150 days and that I can't have received another bonus in the previous 12 months. 

I met these conditions along with every other condition. Yet the bank is denying me the bonus. I have escalated this matter multiple times with the bank, the last being with XXXX XXXX via telephone. 

The bank is claiming that my deposits were not direct deposits. This claim can be disproven by their own protocols. The accounts has a {$500.00} per month direct deposit requirement to avoid the monthly fee. In six months, I've never paid that fee. Despite my only deposits for most of those months being these direct deposits. 

The direct deposits came directly from my employer from a business checking account at XXXX. 

One rep mentioned that I'd received a bonus in the prior 12 months. That is also not true. A promotional offer was applied to my account but I never received that bonus. Their terms specifically state you must have received the bonus previously. I never did. 

It is clear to me that Wells Fargo is merely trying to come up with any reason they can to deny me this bonus. I ask they be reprimanded for this behavior.

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 2020-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I have not had a XXXX XXXX  account since 2009 when I terminated it owing nothing and switched to a different provider. Since then for the past 10 years I have been getting letters claiming I owe {$720.00}, despite multiple attempts in writing, XXXX XXXX keeps harassing me. They have even fraudulently adjusted dates it seems in order to keep harassing me. Not only did I know owe what was claimed ... it's been TEN YEARS since I had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was being financially scammed and fraud between XXXX to XXXX. My personal identity being a fraud in many fraudulent bank accounts in the U.S. which involved big scammers groups. Myself, my family, and my friends being scammed for over {$200000.00}, the scammers involving in job and housing providers. And I already had police reports and other reports at the state and federal levels, and criminals would be injustice one day. Criminals applied a load in Wells Fargo bank account online, I did not apply this load. At the beginning of XXXX, I was frustrated with dealing with many fraudulent bank accounts, and I paid two months ' payment for this load. The police officer told me the case investigation will take some time, so I stopped payment and tried to contact with Wellsfargo bank. Police report case # XXXX Police investigator : Mr. XXXX, phone : XXXX Federal Trade Commission case # : XXXX Police investigated 6 criminals and 3 criminals bank accounts. One of criminal has a WellsFargo Bank account. Account Name : XXXX XXXX Account Number : XXXX Swift Code : XXXX Routing Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I deposited money into this criminal bank account, I hope WellsFargo help the police and Federal Consumer Bureau investigate this account. The fraudulent loan account ending in XXXX I request Wellsfargo investigate this fraudulent loan application and refund the payment that I already did in XXXX and 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 monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I have been making payments for my property taxes for the leased vehicle XXXX XXXX since 2017. KIA Motor finance assumes this payment is NOT being made and demanded to make the payment in excess of {$2400.00} for all the previous years. I have shown them the payments made over XXXX County VA website for the same vehicle. I have gotten no response from them. They demanded me the entire amount else report to Credit Bureaus. I see a comment made on few credit bureaus that this account is past due. 
Please help me. I have evidence related to payments and email communication Attached are the two files.

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 2020-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL

Complaint narrative:
I could not find an option to properly describe what is happening. The company is called MBA Law. They have continually added a debt to all three credit bureaus, for around XXXX XXXX. They are marking the debt brand new, dated XXXX of XXXX. The actual debt is from a hospital and is from XXXX. I have successfully had the collection removed for this going on two times. They keep adding it back on. Not only are the dates incorrect, but every time they add it back my score drops. This is completely unfair. Im doing so well at rebuilding my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 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: TN

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TN

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-19 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: TN

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account in Wells Fargo bank was charged without any authorization by XXXX XXXX XXXX. every month since XX/XX/2019. I reported to Wells Fargo, ( claim XXXX ) and WF bank did not refund that non authrized charges completely for all money that was withdraw by XXXX XXXX. ( {$130.00} per month ) Very unuzhuall responds for that fraud action. They, WF bank sent me letter and stated that they only responsible for 609 days back from " the statement ''??? 
Pls 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 2020-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
It says my bank had mad a XXXX and cant contect to XXXX

Company response to consumer: Closed with explanation