vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was going over my credit file and I seen some addresses that are not accurate. My current and only address is XXXX XXXX  XXXX XXXX XXXX, OH XXXX. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I also have an issue with a unverified account from a company that I do not recognize XXXX XXXX XXXX # XXXX I have never done any business with this company. XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. 
me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was going over my credit file and I seen some addresses that are not accurate. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX I also have an issue with a unverified account from a company that I do not recognize XXXX XXXX XXXX # XXXX I have never done any business with this company. XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. 
me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.

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 2020-06-11 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I was in the XXXX last XX/XX/XXXX and around XX/XX/XXXX when I noticed a fraud transaction on my card last XX/XX/XXXX & XXXX, XXXX. A total purchase Of {$2100.00}. l called Wells Fargo Long distance around third week of XXXX weeks after the transaction, it took awhile for me to notice the fraud because I never ever use this credit card when I am abroad, and I didnt have any transaction on this card for a long while thats why I was even wondering how come they authorize this transaction even the purchase was more than my credit limit. I was expecting that this credit card company should decline any purchases because first of all I didnt call them to inform my international trip and its Been A doormat account. Since I am away for months I never get the chance to see all my mails not until when I came back to the US last XX/XX/XXXX. I received Wells Fargo declining my request for reversal, so I appeal again like 5x already but still they are telling me its a valid transactions Authorized transaction. I requested a copy of their investigation, the transaction slip shows a different signature, obviously not my signature! I even reach out via email to the store manager where the fraud purchase was made, they even said that they are practicing NO TOUCH policy on all credit card transactions in that store. I think their mistake is not checking the i.d of the cardholder. 
I am not responsible on this purchase. They should investigate thoroughly and charge that company who made mistake. I will try to get a police report when I fly back to the XXXX. 
This is stressing me out and Its affecting my credit score.

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 2020-06-11 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: LA

Complaint narrative:
This agency is reporting inaccurate information to my credit report for trade line XXXX XXXX / XXXX XXXX ; invalid account number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Chrysler Capital - RR XXXX XXXX XXXX XXXX was sent on XXXX XX/XX/XXXX to pay off the account in full. Not applied. Account is now reporting to the credit bureaus as " XXXX XXXX XXXX XXXX XXXX '', which would mean a 1099 form would be reported to the IRS. This has not happened and a repossession order was sent out instead with a thug identifying himself as an " Investigator '' calling on XX/XX/XXXX, to intimidate, harass and frighten me. ( XXXX at XXXX XXXX EST lasting for 38 seconds ). 

When I called Chrysler today to clear up, they are purporting the account is not balanced to XXXX with the instrument above, and the account is reporting incorrectly to the Credit Bureaus and is allegedly in a " Charge Off '' status as of XX/XX/XXXX. 

They are refusing to extend any COVID 19 assistance or any other assistance whatsoever on this purported debt for which they have STILL not provided me Proper VALIDATION OF DEBT paperwork on - a FDCPA Violation. 

Please help. Thank you Kindly and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC Bank reported a 30-day past due status to the credit bureaus effective XX/XX/XXXX. 

The oversight was due to PNC auto-pay not debiting my monthly payment from my bank account. Upon receiving the PNC late notification in the mail, I immediately made the past due payment. I contacted PNC to explain auto-pay did not work and highlighted that I have been a customer since XXXX ( 13 years ) with a flawless payment record - proof I pay my bills on time. PNC was unwilling to remove the 30-day past due notice from my credit record. 

No reason has been provided for why PNC auto-pay did not work and my impeccable business record over 13 years was not valued enough to make any changes. 

As a result my credit has dropped 40 points and told by PNC it will take 7 years to remove from my credit report. I view this business practice reprehensible and disappointed PNC is unwilling to work with a loyal customer to correct a negative credit entry due to a problem with their auto-pay system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 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: NY

Complaint narrative:
I heteby acknowledge that the name of this complaint is being submitted through is ( I ) ) And not a credit repair company or any other entity. After reviewing my current credit report on XXXX. I've notice that TransUnion has once again submitted an account under the name XXXX XXXXXX/XX/XXXX XXXX ; original creditor XXXX XXXX XXXX without notice 5 business days prior to reinserting this account. A violation of FCRA rules section 1681. 

Please see attachment This account has been removed, this account was removed in XX/XX/XXXX, but has been reinserted today XX/XX/XXXX. A violation of FCRA rules.

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 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was a victim of a scam. A seller pretend to be a XXXX seller with which I paid him via XXXX. This seller turns out to be a small electrical company out of Maryland. The transaction was for {$4300.00} When I tried to contact the Bank to submit a claim, I was diverted to the online site. I submitted the claim, I submitted the wrong amount {$20.00}. I called the bank the next day and they advised me to just cancel the claim and resubmit. 

I was informed that the claim was fine and yesterday they told me I am not eligible and they have not done anything to process the claim. Since I submit the first claim. Again, I called them the next day after mistakenly submitting the wrong amount and they advised me to cancel and resubmit. I am doing this based on their advise. 

I have been a bank of Chase bank for 30 years and a private client. I will move all my accounts to another institution. I don't feel like they are looking out my best interest. I like to see if you can assist me in retriving this fund for a fradulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied for a credit line increase on my Capital One card ending XXXX on XX/XX/XXXX. The application for the increase was reviewed and denied. In their reasoning for the denial they stated the denial was due to my credit score and note the score was derived from a credit report dated XX/XX/XXXX. I called to try and get an answer regarding why a decision on a credit application on XX/XX/XXXX was made using out dated information from XX/XX/XXXX and was just told thats the decision capital one decided to make my credit score has increased since XX/XX/XXXX so if accurate and updated information had been used the decision could have been different. I would like my request to be reconsidered based on updated information at the time of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: NJ

Complaint narrative:
Fraud XXXX  account on Experian 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 non-monetary relief
Consumer complaint received 2020-06-11 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
I disputed late payments with Fortiva on several occasions without any results from Fortiva for the 3 major credit reporting agencies. I called Fortiva on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Fortiva was unable to provide statements with late payment information and information was not available online as well. Only 2 statements were in their system and for me to review online which were not the statements needed. My concern is what information did Fortiva provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months Fortiva is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC will not cooperate/connect with XXXX as my other banks do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CA

Complaint narrative:
A dispute was filed with Transunion XXXX and XXXX ; but after the investigation only XXXX  removed the account from my credit file. Transunion and XXXX still have not removed this account from my credit file. This needs to be updated and removed as soon as possible.

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 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: KEYCORP
State: ID

Complaint narrative:
I have had a Keybank credit card since XX/XX/2012, I have always paid my payments and my credit limit has always been {$2000.00} but after I made a {$1000.00} payment towards my card they decided after looking at my credit score which I didn't authorize they lowered my credit line dramatically and posted to my credit score about it which lowered my credit score. I talked with Key bank and they said it's what happens when you look like a risk factor and me paying the large amount made them look into me. I want my credit limit back to {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AZ

Complaint narrative:
I disputed multiple inquiries on my Transunion report over 30 days ago that I did not approve of and I've gotten no response from the credit bureau and the inquiries are still there and they don't report as being disputed. 

I have also reached out to the creditors that did the inquiry and they couldn't tell me anything except that someone tried to get a car loan under my name. I asked for the credit applications with my signature and they couldn't provide anything. 

The dates for these inquiries are XX/XX/XXXX and XX/XX/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 2020-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Credit Acceptance have been paid in full however, they are reporting inaccurate information on my credit report and it needs to be removed. The company sold me a car that did not last 3 months and the vehicle broke down. The company has contacted me with misleading in wrong information and has violated my consumer rights. Due to this account and it's inaccurate information, this is hurting 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 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife and I have two credit card accounts with Chase bank under the Southwest Airlines Rapid Rewards program. We wanted to close one of them. 
I spend about two hours on the Chase bank website and downloaded and read the entire " Terms and Conditions '' of the credit card contract ( attached ) and could not find ANYWHERE what I needed to do to close the account. 
Just FYI, I am an attorney. It is very basic contract law that the contract include how either party can terminate the contract, but the Chase bank " Terms and Conditions '' of the credit card contract does not include any information about how a consumer can cancel or terminate their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CA

Complaint narrative:
A dispute was filed with XXXX  XXXX  and Equifax ; but after the investigation only XXXX   removed the account from my credit file. XXXX  and Equifax still have not removed this account from my credit file. This needs to be updated and removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
target put unrecognized transactions on my account, now they want me to go through a security survey through the post. 

I disabled online services and now can't manage my red card. 

they asked for the last 4 digits of my drivers license. information I've never given before. 

a target representative named XXXX. 

I sent another email.. 

I added screenshots of my order history and sign in history. 

the unrecognized transaction was on XX/XX/XXXX I've had to spend 10 minutes on the phone to a paid employee practicing unnecessary data retrieval. 

I'm about to travel and don't have time for target to be filling my post box. 

I want to end all mail communication with target.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Good afternoon, My name is XXXX XXXX. I was told by my mortgage company that I would not be able to pay off the premium on my house until I get an appraisal and pay them 20 % of the price paid of all work I have had done on the house since I purchased it in 1990. The mortgage company is PHH and when did it become a policy to charge an extra 20 % at the payoff of my house. Please help me to understand what is going on. There has been no major work done to my property but there is a lot of work that needs to be done to bring my house up to code. The plan is to renovate after I pay off the mortgage company. 
I can be contacted by phone ; XXXX 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 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged 16 late fees from the time period of XX/XX/XXXX to XX/XX/XXXX which total {$580.00}, which represents more than 30 % of my total bill. I was making my payments on time automatically deducted from my account for payment towards my balance. The amount that was being deducted wasn't enough for the minimum payment and was off by a few dollars. I am XXXX  XXXX and did not realize this on my statement until my daughter noticed my statement. I have been calling Capital One about this issue and it has still not been resolved.

Company response to consumer: Closed with monetary relief