vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 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: CO

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-21 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: CO

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have had a bank account for 10 years with Chase bank and then they decided to close my account for no reason the day I should have gotten my direct deposit from work. Prior to closing we went to the ATM machine and was supposed to get {$500.00} out but the machine did not give us the money. We filed a reversal they credited the account the money but then closed the account refused to give us the balance in the account or my direct deposit from work. Now they wont even tell us the account was closed. I cant pay my bills because they have all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I was informed when I pulled my credit to myself that there was a couple of bad items on my name. These fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. This is unacceptable. 

XXXX XXXX XXXX XXXX {$19000.00}

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 explanation
Consumer complaint received 2020-02-21 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I was informed when I pulled my credit to myself that there was a couple of bad items on my name. These fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. This is unacceptable. 

XXXX XXXX XXXX XXXX {$19000.00}

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 explanation
Consumer complaint received 2020-02-21 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: AR

Complaint narrative:
I called in XXXX XXXX to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the XXXX XXXX  account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my report. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: PNC Bank N.A.
State: PA

Complaint narrative:
I tried to make a balance transfer from XXXX  XXXX XXXX to pnc there was promotion and i did it over internet. After over a week i see that my balance is still the same at the XXXX  XXXX XXXX bank and pnc balance is already higher because of the transfer. So i called the PNC bank and asked them how come money is not at the XXXX  XXXX XXXX yet, I was told that it can take up to 10 business days and check is still on the way. After 10 business days my XXXX  XXXX XXXX is almost due and I don't want to pay interest on it so i call again PNC bank they looked into it again, and told me that they sent to the wrong address. I was told that they will put a stop on the check and send new check to correct address, now is 9 business days from posting to my account but i called more than 10 business days to record the problem with the bank, PNC bank holding balance of money that i never received, XXXX  XXXX XXXX i already paid off because PNC bank couldn't make a payment in time. Now is over 1 month later they charged me fee of 3 % I never received the money I just checked with XXXX  XXXX XXXX, I also called the PNC bank I was told that check was processed already, I have no money in my account and on statement at PNC bank according to them, transfer was made. Now they try to say that it can take up to 26 business days, I was told if i try to close the account I still need to pay fee of 3 %, Which i never received at the first place. what is the best solution. I just want my money back and never have to have account with PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: NY

Complaint narrative:
I have disputed several times that accounts were closed and paid off. Experian does not update the report and displays incorrect information. Ive submitted proof of documentation that the account is paid off and they do not remove or update the accounts.

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 2020-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I finance a vehicle to Chrysler capital and in the last six months of the loan it was stolen and was declared a total loss by my insurance company. 

My insurance company paid the vehicle off as well as I had a gap insurance that did pay the balance. 

The lender is stating that I still owe {$4700.00} on the account and is choosing to keep the account open which is accruing more and more late fees and charges on a daily basis added to their false account. 

I have called them to resolve the account and all they state is that I still owe the money. 

I am being forced to be put in a position where I'm going to have to file bankruptcy because the collection calls and the letters for demands of payment. 
This is so ridiculous the amount of money that has been paid to them as well as for the additional insurances for the vehicle that I have paid out. 

I also am having problems with financing a new vehicle just because they are still showing the account with an open status with the balance. 

Lenders are not willing to help me with financing another vehicle due to their incapacities. 

I have disputed this twice with the 3 major credit bureau 's and they have left it to remain on my credit report still with the incorrect information. 

I need a vehicle to get to work it's very important and this is a real big headache for myself and is hurting my ability to get to work and make an income to support my family. 

I have saved money to put towards buying a vehicle however it's becoming harder and harder on a daily basis to even work with any lender. 
The denial letters that have been sent to me state specifically that because of the open auto loan with unpaid balance is reason for denial. 

These credit inquires will now Stay on my reports for 5 to 7 years with nothing to show as well as this auto loan will follow me forever if it doesn't get resolved in a professional manner. 

I'm a hard-working single mom and everything I have it's from my own blood sweat and tears. 

I have never ripped anybody off nor do I plan on it. 

I'm an honest person and I truly believe that at the very minimum this account should be showing XXXX balance so that I can move on with my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I disputed credit inquiries in XX/XX/XXXX that lacked have a permissible purpose, of which I did not authorize. Experian failed to conduct an investigation into the matter within thirty days and instead, did not investigate my dispute at all. After a complaint and second dispute XXXX, they claimed said inquiries had a permissible purpose but failed to provide proof of said purpose ; as a credit reporting agency, they are required by law ( Fair Credit Reporting Act ) to report 100 % accurate information ; however, they are not doing so. I demand that the following disputed inquiries of which they failed to properly investigate in my original dispute from XX/XX/XXXX be deleted from my credit report : " XXXX - XX/XX/XXXX '', XXXX XXXX XXXX  - XX/XX/XXXX '', " XXXX XXXX XXXX - XX/XX/XXXX '', " XXXX - XX/XX/XXXX '', " XXXX  XXXX  - XX/XX/XXXX '', " XXXX  - XX/XX/XXXX '', " XXXX - XX/XX/XXXX '', " XXXX  XXXX  XXXX  - XX/XX/XXXX '' and " XXXX  - 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 2020-02-21 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX in XXXX of 2019. The rep I spoke with on the phone informed me that the card would be rushed to me so I could get it before i went on Vacation. That was a lie. I never got my card on time and future reps that i spoke to on the phone kept giving me the run around and never got my card to me on time. I was so frustrated with the experience that I immediately cancelled the card and did not spend any money on it. Now I have decided to give the card a second chance and American Express Website is saying i am no longer eligible to receive the sign up bonus due to already receiving it. That is false. I spoke with them on the phone and they said there was nothing i could do about it. This is very frustrating and not right as i have been an American Express customer for nearly 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: OK

Complaint narrative:
I bank with Bank of the west in XXXX oklahoma. Have for a long time. Been at this site for about 35 years. Never had any problems until XXXX XXXX got involved. They are based out of XXXX XXXX. Over the last couple of years they have moved things around on my account from day to day so as too be able to charge me fees. For example just 2 days ago I deposited XXXX dollars. Showed it was in my account. Then the very next day they did not credit my account with XXXX  dollars of it and switched some things around so as to charge me 4 fees. This stuff has been going on for at least a couple of years. They have ripped me off of probably XXXX  dollars or more. Not to mention all the interest played out on other loans trying to keep up when they constantly overdrive my account. Much less the XXXX XXXX  and XXXX If this is not fixed I will be filing a lawsuit against them. My state representative for the state and also my representative in the oklahoma house will be made aware of this. Will need to be investigated. Not really sure if this is just going on at our branch or if it more systemic across the board at all of the bank of the west locations!!!!!! Feed back 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 explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
As a victim of fraud, I open a dispute of a deb in collections with XXXX  and after 30 days they decline my dispute alleged as VERIFIED AS ACCURATE, since I dont recognize that deb as mine, I contacted the collection agency directly to find out more information directly from them, and for my surprise they dont have any information as a third party directly, they represent a law firm which is not the one reporting the deb to the Major Bureaus which under FTC is an illegal practices. they offer me a phone number to call directly the law firm whose handling the case. 
As soon I hang up with them I contact XXXX  to let them know my conversation and I request to speak directly with a supervisor to take action on my favor and remove that inaccurate information from my report as soon as possible since they have to report 100 % accurate information but he told me that XXXX  can not remove the information even when they verified by phone the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am disputing the billing error on my account in the amount of {$6700.00}. The amount is inaccurate because CapitalOne allowed continuous charge authorizations to my account without my permission. My initial credit limit was {$2000.00}. As you can see on the attached credit card statements, there are charges that were authorized on my account that far exceeded that limit. These charges should have been rejected as there clearly wasn't enough available credit for them to have been approved. " Purchase Adjustments '' and " Transaction Rebills '' as described on the attached statements, have clearly exceeded the {$2000.00} limit by approximately {$4700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-02-21 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I used PayPal Credit ( synchrony bank ) to purchase a few items. Some were purchased under a special financing zero interest if paid in 6 months plan, and a larger one was was a 24 month plan with 12 % interest added up front. 

I recently made three payments equaling {$900.00} and found out they had applied them all to the 24 month plan until it was paid off and the small overage to the special financing balance. There is no where during the payment process to select which loans it is being applied to, the consumer has no say. 

I called today to get the payments properly allocated and was told because they had already applied the payments to and paid off the 24 month loan ( without my permission ) they can not undo that, so now Im left to come up with enough money to pay off the special purchasing totals before the promotion expires or Ill be charged a much higher interest rate. 

This company is deceptive in their practices and Ive found many more complaints online of people having the same problem.

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 2020-02-21 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: AR

Complaint narrative:
I called in XXXX XXXX to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the XXXX XXXX account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my report. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$1200.00}

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 2020-02-21 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:
XXXX is reporting incorrect lates on my credit file. They are reporting Lates on my credit for a service they never provided. I have contacted them and they admitted their fault and said they would refund me around {$500.00}. I have received the refund, yet they continue to report these erroneous lates on my credit file. They are in violation and i'm requested kindly that they remove these lates off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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:
XXXX XXXX XXXX # XXXX is reporting a balance and several lates on an account that I do not owe and should not have. I returned this instrument in XX/XX/XXXX and was never informed there was still a balance on it. I thought it was auto draft and I never received any notices for an overdue balance. These lates are not my fault and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance and several lates on an account that I do not owe and should not have. I returned this instrument in XX/XX/XXXX and was never informed there was still a balance on it. I thought it was auto draft and I never received any notices for an overdue balance. These lates are not my fault and I want them removed.

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