vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 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: CA

Complaint narrative:
I have contacted Experian multiple times about items that I have found to be identity theft and of inaccurate. Pursuant to 15 USC 1681c-2 a consumer reporting agency has 4 business days to block information identified by the consumer as identifying theft in 4 business day. Experian has declined multiple times to remove inaccurate information from my consumer report. Experian keeps advising that they did a electronic investigation to confirm accounts was valid by only speaking to the alleged creditor. This investigation process violate my consumer right. An investigate consumer report is personal interviews with a consumer neighbors, friends, and associates and shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer ( 15 usc 1681a ( e ) ). Also I never gave Experian permission to furnish my personal information. Pursuant to 15 1681b ( 2 ) a consumer reporting agency may furnish a consumer report in accordance w written instructions of the consumer too whom it relates. They have never asked me for permission to furnish my report. Pursuant to 15 usc 1681e ( b ) when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about him the report relates. Experian is not assuring maximum accuracy of my report because they are violation my consumer right. After notifying Experian of multiple errors on my report they deleted some accounts per my request. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) I requested compensation for damages sustained due to the inaccurate information furnished on my report. Experian recieved tht information XX/XX/2021 and still have not responded.

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 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Greetings. XXXX forgive me for taking out a car loan when I KNEW better. I was pressured emotionally in this loan by XXXX XXXX XXXX when I took my other car in just for an oil change. I'm now and then grossing {$1500.00} per month with a {$700.00} car loan. How were they ABLE to approve such a car loan on that amount of income with a 29 % interest rate? I HAD GOOD credit then and GOOD credit now and didn't NEED a " Second time around lender ''. After speaking to the Executive Department XX/XX/XXXX they had the asked me if I still HAD the vehicle in my possession. I legally do have the vehicle attached to my name and credit report and IN my possession... '' Yes ''. What am I supposed to do RETURN it so I can joyfully " ACCEPT '' a voluntary repossession on my credit report? No... NOT gon na happen. Well... when did this car loan BECOME a problem Ms. XXXX? It BECAME a problem when XXXX went through XXXX  last year in XXXX and every month for 11 months. Starting in XX/XX/XXXX, I called into Santander requesting an extension and was actually granted them " Thank you Santander ''. Now this is where it gets ugly ... After stumbling amongst the lawsuit during the last week of XX/XX/XXXX I reached out to Santander and they told me to speak to XXXX XXXX. I spoke to XXXX over at XXXX Consulting for 30 minutes and he actually apologized that Santander DIDNT ADD me to their data base contingent upon my financial situation. I spoke to a Lawyer about my case and they advised me to just communicate and see what position Santander is WILLING to take. Well on XX/XX/XXXX XXXX in the Executive Department stated that Santander is a " second time around lender '' and good luck Ms. XXXX. Wait! What? I told them then what were my options by which to be added to the data base and because I still HAD my vehicle I wasn't qualified. Okay how about I just drop the vehicle off at the car lot and hope to XXXX they better NOT place a volunteer repossession on my credit report! Basically Santander knew they were in VIOLATION of consumer protection laws of high levels of risk with a high probability of default when they issued this loan! And NOW is the time to FACE the Piper! Either LOAN FORGIVENESS or be prepared to PAY ALOT more in Litigation because I wont stop until it reaches the President of the United States of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, and now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO UPDATE COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-XXXX-Balance {$0.00} XXXX-XXXX-Balance {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have a Barclays Mastercard credit card with a small limit. Two months ago when I wanted to make a payment I was logged out of my account/ app and could subsequently not making any payment. Since then I have tried at least 20 times to phone to their customer service department. My average holding time is around 30-40 minutes. It is utterly impossible to reach any of their customer support people. Also, because I can not log into my account to do the payments, I have been reported as late payments which are completely messing up my credit score which will take me months to rectify.

I have lodged complaints via Social Media using XXXX  and they have been responsive and apologize, but did not offer additional help to get this resolved. 

How do I get in touch with a bank if the only way is through either their App chat functionality or email or call in to an utterly useless telephone customer service. This bank should not be in business. I have kept screenshots of my last calls as evidence what number I called and how long I was holding on.

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 2021-10-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute with equifax XXXX XXXX about these unknown inquiries. I need this removed this is not my debt or doing. This closed account from new horizons finance also is not mines. Please delete this from my report .inquires from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( closed account )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a new Citibank Priority Checking account via a promotional offer over 3 months ago. Based on this promotional offer, after I deposit {$50000.00} new money into my Citi Priority checking account and keep the balance for 60 days, I should receive {$700.00} bonus in my Citi priority checking account. 

I have met all the requirements of this Citibank promotional offer. However, so far I have NOT received the {$700.00} bonus in my Citi priority checking account yet. I request Citibank to post the {$700.00} bonus to my Citi priority checking immediately without any further delay.

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 2021-10-08 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: CA

Complaint narrative:
My name is XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Yesterday, XX/XX/XXXX, I visited a local Bank of America branch to deposit {$16000.00} cash ( bills of {$100.00}, {$50.00} and {$20.00} ) that I receive from the sale of my car as I am relocating due to work. I bought my car at {$18000.00} and decided to sell it for far less. I counted the money and placed it safely on my bag so I could go the next morning and deposit it into my account. I am a XXXX XXXX arriving to the BoFA bank and before giving the teller the money I explained to him that it was going to be a huge amount. I passed the dollar bills while he started placing the cash into the counting machines. He then told me that if the amount exceeds XXXX I had to fill a form. I told him that I was completely fine with doing that as I am not that acquainted with federal regulations in terms of huge deposits and agreed. He then told me if in the case that I didn't have lot of time available it could be easier for him to just give me XXXX to deposit into the ATM and I didn't had to fill anything. Immediately after this he handled me a receipt for {$9500.00} and XXXX bills of {$100.00}. I left a little confused and asked him that if that was the total amount I gave him. He said " yes, that is what the machine has counted '' so I went outside and made some calls to make sure I was not going to accuse him. Just to clarify that as the naive girl that I am I could've never thought of the idea of my own bank robbing me and lying to my face. I was notified that the remaining amount of money ( {$6000.00} dollars ) was not at home and went in to speak to the branch manager. The manager straight up asked me how much money was supposed to be allocated, and given his reaction I could've easily lied any amount and that amount of money was going to be deposited into my account. He started explaining that the teller was about to do that on his own and it was a mere problem with the system. The manager then handled me a new receipt of XXXX ( which is the amount I told him given that I had XXXX in cash in my bag ) and asked me to give back the old receipt. This is all hopefully seen in the video cameras as I left and returned. I know for a fact that if I haven't returned back to the branch crying due to the situation I would've been rip off by a substantial amount of ( {$6000.00} )

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 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
Receiving a debt collector letter for over XXXX from a XXXX  but I have never gotten any account threw this vendor I am a retired resident and I don't know what this charges are for ever time I call the debt collector office they never an answer and they have my name wrong but they have my address. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had a checking account at Chase bank for 3 years. I have been a good customer. Never overdrafts. On XX/XX/2021 I deposited a check for {$22000.00}. The clerk informed me within 5 seconds of me handing her the check that it was going to be put on hold for 10 days. She or anybody at the bank did not give me any explanation. As I understand it, that is not legal or policy. I have called Chase 4 times on XX/XX/2021 and got nowhere. They just put me off to another department. 
I also want to file a XXXX discrimination complaint against Chase. It seems that anybody with a XXXX name in Texas is an ilegal alien or a drug dealer. That is the treatment I received. I happen to be a XXXX  for XXXX  years and a USA CITIZEN for all my XXXX  years of life. I was born American and proud of it. Of course Im closing my account at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: IL

Complaint narrative:
XXXX, XXXX, EQUIFAX, and XXXX is reporting Multiple XXXX/ XXXX XXXX  accounts on my credit report it infringement upon a consumers rights to privacy pursuant 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Grain Technology, Inc.
State: AL

Complaint narrative:
I have been trying to change my bank ( XXXX XXXX XXXX  ) with grain to my new bank ; which has closed down. Grain gives no option to pay with another checking account, which caused me not to be able to pay my bill to lower my statement credit for the month of XXXX. I need this fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 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:
I filed a dispute with XXXX & transunion about these unknown inquiries. I need this removed this is not my debt or doing. This closed account from XXXX XXXX XXXX also is not mines. Please delete this from my report .inquires from XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( closed account )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TX

Complaint narrative:
They are refusing to help me and continue to report my account late when it has never been late. XXXX EID # XXXX told me today the credit department erroneously marked my account as past due though they still don't own the account and have not owned it since XX/XX/2021. The company who is doing this is XXXX XXXX. The XXXX report number for my case is XXXX. I have also notified the company 's top executives XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others -- all have done nothing to help. These executives can be reached at XXXX. They have turned my life into a nightmare with this credit issue and I need to have this fixed today!!

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 2021-10-08 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: TX

Complaint narrative:
They are refusing to help me and continue to report my account late when it has never been late. XXXX EID # XXXX told me today the credit department erroneously marked my account as past due though they still don't own the account and have not owned it since XX/XX/2021. The company who is doing this is XXXX XXXX. The XXXX report number for my case is XXXX. I have also notified the company 's top executives XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others -- all have done nothing to help. These executives can be reached at XXXX. They have turned my life into a nightmare with this credit issue and I need to have this fixed today!!

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 2021-10-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: NJ

Complaint narrative:
There are a few accounts on my report that I do not recognize

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 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am in receipt of your correspondence dated XX/XX/XXXX. The letter stated the following : Our records show this account is closed and charged off on XX/XX/XXXX, with an outstanding balance of {$10000.00}. On XX/XX/XXXX, we sold this account to XXXX XXXX XXXX XXXX XXXX. XXXX confirmed that Capital One is no longer reporting your account to the CRAs. 

The balance associated with account ending in XXXX is disputed. This correspondence serves as a billing error notice and I request ALL documentary evidence on the above-referenced account be sent to

Company response to consumer: Closed with explanation