vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 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:
In the month of XX/XX/2020, I discovered that there was fraudulent information/accounts on my personal credit report and I researched how to correct this information to move forward. I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, XXXX, XXXX XXXX and Equifax via certified mail with tracking numbers which cost me approximately {$37.00} to do this. XXXX  Certified Tracking Number : XXXX, XXXX XXXX Certified Tracking Number XXXX and Equifax Certified Tracking XXXX. I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. Today, XXXX XXXX makes this well over the 30 day mark and it is now 59 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$110.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: CA

Complaint narrative:
In XXXX of XXXX, I received an offer after completing a NON-member ATM withdrawal ( I still have the receipt with the offer on it ). The offer states : " Open a new checking account with minimum opening deposit of {$25.00} by XX/XX/XXXX. Within 150 days of account opening, receive a total of {$2000.00} or more each month in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. '' The offer was for {$300.00} bonus deposited " within 45 days of completing the requirements of this offer. '' I opened the account with the {$25.00} deposit on or about XX/XX/XXXX. While awaiting my payroll company to process and approve the direct deposit, I ALSO deposited some funds via ATM to make sure the account stayed above {$0.00}. 
My direct deposit began on XX/XX/XXXX, ( well withing the 150 days of opening ) and for three consecutive months, at over $ 4000 monthly, I continued to receive these direct deposits. The third consecutive month, would have been XX/XX/XXXX. 45 days later, would have been, the XXXX of XXXX. 
The first calls I made to Wells Fargo, was in XXXX, simply to inquire about HOW to ensure I had opened the correct account and that the promotion was ready. There were no objections, though everyone would tell me that once the requirements are met, it is automatic. On the XXXX of XXXX, ( well after my requirements would have been met ) I spoke with " Dermesh '' simply confirming I WILL be receiving the bonus. He said it would need to be sent to another department, and i received a number : XXXX and was told i would get a reply within 10 days. After waiting with no responses, i called again today, XX/XX/XXXX and spoke with " XXXX '' whom confirmed the conversation, and confirmed i did make the required deposits, and began investigating why no funding was received. When she got back on, the story changed to " you didn't make three consecutive deposits, you missed XXXX. '' My understanding was, and still is, that i had the 150 days as indicated on the promotional offer, to make 3 consecutive monthly deposits. It does not say 3 IMMEDIATE months, rather, WITHIN 150 DAYS. Not only did i start this within the 150 days, i also completed the last deposit within 150 days. Now, no one can even tell me what the 150 days represents, given three consecutive months is only 90 days. This reaffirms that for two months into the promotion, you can make no payments, and still end up with three consecutive deposits within the 150 days. I was sent to file a complaint with " XXXX '', and have no impression that my case will even be heard. simply, a complaint at this time. My complaint number is : 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 2020-04-22 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX XXXX, end date XXXX XXXX. 
At the time there were two accounts with Chrysler Capital. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to Chrysler Capital to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in XXXX and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the XXXX XXXX and retired XXXX Police Detective from getting a loan to put siding on his home because he is not able to paint his house anymore. Chrysler Capital is damaging his credit score yo a place that he is struggling, a XXXX XXXX and retired cop! 
At present CHrysler CApital is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

Chrysler Capital has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I received an email alert from XXXX XXXX that my score recently changed. After I clicked on check my score it shows that my Transunion score through XXXX XXXX decreased by 20 points. It says Transunion found 1 change to my report that an account was removed. The account is XXXX XXXX XXXX Credit Card . I still have an account with XXXX and it is in good standing. My credit limit with them was also increased from {$500.00} to {$1000.00}. I have never missed or been late with a payment. Also this account was recently sold to XXXX by XXXX. I also recently filed a dispute because my credit limit was still being reported as {$500.00} which has since been corrected. I reached out to Transunion on XX/XX/2020 about this and spoke with XXXX. I informed him of the email I received and explained to him that I had just received this email from XXXX XXXX explaining to him everything in the email. XXXX stated I would need to contact XXXX XXXX. I said why should I contact them they are not the credit bureau and they get their information from you Transunion. He then suggested I maybe had some late payments or other derogatory marks that was affecting my score. I said no it says I have a stellar payment history. I repeatedly told XXXX this information was based on information from Transunion which it clearly states and was not in my XXXX  file and shows my account with XXXX XXXX/XXXX  Credit Card. I was then told he could not provide my credit score and that I would have to pay for this which I paid {$9.00}. I was getting nowhere with the representative at Transunion. I also reached out to XXXX XXXX as XXXX suggested and am still waiting for a response. I am hoping that they will correct this because this has a negative impact on my credit file/score. I have attached my XXXX XXXX/Transunion report as well as my account information for XXXX XXXX Credit Card.

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 2020-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
On XX/XX/2017, I purchased {$200.00} of XXXX through Coinbase.com. I have been trying to log in to my account since XX/XX/XXXX and have reached out to their customer service 5 times with only automated responses. The system will not allow me to access my account and see my statement even though I also uploaded my driver 's license per their request. When I contact customer support, they only have automated messages. I looked at their XXXX company page and they have a realm of other complaints related to people being able to use the system or view their investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a charge card with Kohls Department Store. I check my credit weekly, because it's important to me. I checked today and Kohl 's department store charge card reported that I was late. They reported it to XXXX on XX/XX/2020 and XXXX on XX/XX/2020. I haven't checked XXXX. When I reached out to them today they advised me I was late XX/XX/2020. I paid my account balance off of, {$77.00} today before I knew they reported me. I NEVER received a statement. I NEVER received a phone call. Because if I did I would have paid it in full. During this Pandemic my mind was more concerned about where I'm getting my next pay check to feed my family. Like most Americans I'm scared to death and my Kohls account of {$77.00} missed my mind to pay it on XX/XX/2020 to avoid a credit report. This is the biggest health care crisis and this is what Kohl 's department stores does to help it's customers during this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
This collection appeared on my credit report a couple months ago and then it was removed, now it is back again on my report from another collection company, THIS DEBT IS NOT MINE I have no knowledge of this debt/collection and it must be a case of identity fraud. Please remove the collection from my report as it is the only derogatory mark on my credit and it is hurting my score severely which I need to buy a house for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I canceled my account with XXXX in XXXX of XXXX  by calling in and speaking with an agent. I paid the last owed bill and returned all the equipment in the box they provided. My service was deactivated and my account was closed. Never heard from them again, not through email, phone, or mail. I recently looked at my credit report and noticed I have a collection from CREDENCE RM on my report for {$160.00}, which again I knew nothing about. I do not owe direct tv any money. I went about closing the account the correct way, paid my final bill, and returned all their equipment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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 encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report 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 2020-04-22 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 encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report 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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: WV

Complaint narrative:
I have a tax return from DC for {$510.00}. I received a reliacard in the mail that was thrown away due to my expectation of a check form of payment and assuming it was an advertisement. I have called 2 numbers for usbank reliacard and have not been able to speak to anyone due to the call hanging up on me after 45+ min of waiting. I have been calling these numbers for the last 1.5 weeks. I need a replacement card sent to me. Please help

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 2020-04-22 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$61.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
cheystems showing inaccurate information all listed on ftc

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 2020-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc.
State: CA

Complaint narrative:
I have already paid bill for eleven months well there saying I've only paid ten months. XXXX payment is due but there including XXXX 's payment that has been paid. Requesting extension until XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) 60 days late as of XX/XX/2020 ( all 3 bureaus ) My accounts are set up on automatic withdraw. I believe I made my payment to you when I received my statements.

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 2020-04-22 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: NY

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX Lease, end date XXXX XXXX. 
At the time there were two accounts with XXXX XXXX. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to XXXX XXXX to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in COVID19 and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the XXXX XXXX and retired XXXX XXXX XXXX from getting a loan to put siding on his home because he is not able to paint his house anymore. XXXX XXXX is damaging his credit score yo a place that he is struggling, a XXXX Officer and retired cop! 
At present XXXX XXXX is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

XXXX XXXX has done considerable damage to the credit reports of XXXX XXXX, 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 2020-04-22 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: NY

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX Lease, end date XXXX XXXX. 
At the time there were two accounts with XXXX XXXX. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to XXXX XXXX to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in COVID19 and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the US XXXX and retired XXXX Police Detective from getting a loan to put siding on his home because he is not able to paint his house anymore. XXXX XXXX is damaging his credit score yo a place that he is struggling, a XXXX XXXX  and retired   XXXX! 
At present XXXX XXXX is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

XXXX XXXX has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation