vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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: MA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to link my account to XXXX through XXXX and it won't accept my information and stated to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I used my Chase Sapphire Reserve credit card to purchase a puppy and was charged {$3000.00} by the merchant ( XXXX XXXX ). 

On XX/XX/2020, I executed a contract indicating if the puppy had health issues in the first 12 months resulting in death, that the merchant would refund the purchase. 

The dog experienced issues and passed away within two months and I contacted the merchant via email on XX/XX/2020. They responded in writing on the same day that they were processing a refund for the purchase. 

I awaited a refund on my card, but it was never processed, so I disputed the charge with Chase and forwarded the merchant correspondence evidencing the refund. 

Chase sent me a notice on XX/XX/2020 indicating I was still responsible for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
Awhile back I lost my wallet with all my personal information inside. I did not 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. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my 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 2020-08-06 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:
Awhile back I lost my wallet with all my personal information inside. I did not 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. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my 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 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I received many calls from CBE Group on multiple phone numbers multiple times per day. One was also my XXXX number. I was unaware of any unpaid debts so I was concerned it was a scam. 
CBE refused to give me info regarding who they are or more information without me telling them my personal details. I understand they need to verify who they are speaking with but there's so many scams and they wouldn't give me any information at all. I was uncomfortable and spoke to an attorney. I was advised to tell them to mail me info instead of the continued multiple calls daily while I was working. 

I have not since heard from them. I never received anything in the mail notifying me of any debt for me to verify. Now, I have the amount added to my credit reports but have never received a bill from XXXX  or CBE Group mailed to verify what I owe money for. I do not believe the debt is accurate. Now that it's on my credit it says it is for XXXX ( I assume it's XXXX I never had a XXXX   account ). I otherwise would not have known what I owe and to whom since CBE would not tell me. I went online a long time ago and paid my balance ( after cancellation ) down to XXXX. 

I have it on my credit reports, however, I was not asked by XXXX to pay anything more. ( XXXX also calls excessively multiple times daily if bills are owed so not sure how I still owe them anything ) This all happened during COVID shutdowns and I was not employed. I had no income, stimulus or otherwise, for over 9 weeks. I would have had an opportunity to speak to the companies regarding this or to request postponement if I was made aware of a bill or what the debt was for. I spoke to XXXX previously explaining I was temporarily unemployed due to COVID. I was not able to pay and they were informed of that. I cancelled service due to that after they raised my rates IN XXXX. I have since gone to my XXXX  account and the amount it showed that was due I DID pay IN FULL once I had money again. I have not received anything since then saying I owed more money than what I paid on my account. 

This is an abuse of the credit reporting system. I simply asked to have a letter or something so I knew what the debt was for. Also, I believe it's an unethical tactic to get paid without actually providing me sufficient documentation of what is owed. The XXXX acct is XXXX It now shows closed but XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Trying to set up online payment linking my PNC checking account to XXXX program. Got notification from online XXXX program that PNC made changes that prevent auto linking accounts. It is more costly for me to use my debit card to buy these gift cards than by autolinking my checking account. ( Over $ XXXX+ transaction fee to buy online with debit, vs. {$0.00} transaction fee using linked checking account. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This is such a simple fix. XXXX is the only credit report that needs to be updated showing no lates. Makes no sense why Capital One changed the status almost a year later after it was corrected by Capital One. My score dropped 44 points XX/XX/2020. Next step will be a lawyer. Seems as if Capital One would like to avoid that? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
This is my only source of debt. I renewed/refinanced at the beginning of the year. I was signed up for automatic debits on the XXXX without my permission. One came out and I over drafted, I got a big fee from my bank. So, I called in and asked to be taken off automatic debits. The rep said ok, but it only worked for that month. The next month I was in the same situation, big overdraft and fee from my bank. I called in again and scheduled payments on the correct days through XXXX. It worked for 2 months. This month, I was scheduled for the XXXX, they reverted to the original date of the XXXX without telling me. Now I am overdrafted with a fee from my bank. My bank will not refund the charge because they see me as a risk who frequently overdraws, even though I have asked one main several times not to auto debit me on the XXXX, but rather to charge me on my payday. How can companies like this expect us to be 100 percent on time all the time with no question if they do not provide the same standard of service?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
Experian has reported my credit score as XXXX. They have accounts in my report that say that I am my deceased mother. They also have several wrong names, a wrong address, a wrong birthday and a wrong social security number. I downloaded the Experian app to view my report. They say to call because it is a security risk to fix the problem online. When I call I can not get a person or an answer to my problem. The recorded message is all broken up sounding. The most information that i have gotten from calling 3 different Experian phone numbers, is to send a list of items to fix the problem. The time line is at least 30 days. I need this issue resolved sooner than the next few months.

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 2020-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is at least the Second time trying to submit this request/ complaint. I understand that I did not provide enough data for you to update. I stand firm that I do Not have a printer thus this avenue of  uploading documents through CFPB is my only option, it is irritating that TU 's remedy is to have me print identifying documents and mail them..or that your response will be generic in nature. How about addressing your standards to reflect other option? Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address - XXXX XXXX ( No other utilities are in my name and rental insurance or lease seem to work ; I am uploading one of those anyhow ) Please update this address. I no longer live in the XXXX apartment rental ( however, I have uploaded the water bill to prove that was my previous address ). I am providing my XXXX DL ( but it does not have a current address. I do not have a vehicle and will not be getting a new DL ). I have provided another Gov IDs. I have also provided my most current credit report ( TU may have send an updated - but with moving I do not have it yet ). Finally, and a bit off subject, but I would never intentionally work with you, TU unless I have to thus this is the predicament. I know you have nothing to do with this issue but I find it frustrating that there are 4 bureau 's and consumer agencies and nothing is consistent. In my opinion, there only needs to be 1 of you. I will keep up with this request across the board and hope that you will make this easier.

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 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim # XXXX is not yet resolved. It was reconsidered and then it got denied again. Why?? This claim is {$1100.00}, XXXX {$250.00} on money order.

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 2020-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I sent credit dispute letters to Experian and XXXX  via certified mail as I saw that my credit report was reflecting inaccurate 30 day late payments ( 2 ) with XXXX XXXX XXXX for an auto loan that was already paid off. I submitted my proof of evidence ( copy of bank statements, emails and CA ID ) of payments, the account numbers, and all the pertinent information that would help the bureaus with their investigation. It has been 83 days as of today and I have yet to hear back from either Credit Bureau. I have been patient but this has gone on far too long. I have yet to hear from the bureaus, and when I tried to do dispute this online, I got an email from Experian stating that the investigation would be completed in XXXX. I don't think its fair to extend the investigation another month, when I've already waited almost 3 months already just in trying to get a response from the bureaus. It is my understanding the under the FCRA, that the credit bureaus are obligated to respond within 30 days to ensure the correctness of the reported information. More importantly, if the disputed items are inaccurate or can not be verified that they are removed from the credit report as well.

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 2020-08-06 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: TN

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. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-CHAPTERXXXXBANKRUPTCYDISMISSEDXXXXXXXX-XX/XX/XXXX-VER-

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 2020-08-06 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: TN

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. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-

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 2020-08-06 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XXXX has reported my credit score as 1. They have accounts in my report that say that I am my deceased mother. They also have several wrong names, a wrong address, a wrong birthday and a wrong social security number. I downloaded the XXXX app to view my report. They say to call because it is a security risk to fix the problem online. When I call I can not get a person or an answer to my problem. The recorded message is all broken up sounding. The most information that i have gotten from calling 3 different XXXX phone numbers, is to send a list of items to fix the problem. The time line is at least 30 days. I need this issue resolved sooner than the next few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Hi, I'm pursuing a program with the XXXX University, and to enroll in the monthly payment they need to connect to my bank account to access my financial data, but I couldn't connect, so their platform sends me here to file a complaint so they can have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I leased my XXXX XXXX in XXXX, was due to turn it in by XX/XX/XXXX. As most people know, we are dealing with a pandemic then and now. So on XX/XX/XXXX. XXXX, I turned in my lease due to mileage almost being over. I planned on going back to purchase or lease another vehicle before the end of the month. However, the car dealerships closed within a day or 2 of turning in the lease. The car dealerships didn't reopen and still are barely open to this day, until a few months later. Leaving me without a vehicle. Then as soon as the dealerships open in XXXX, I got slammed with the disposition fee ( which is a very sneaky way for the companies to make more money and is not fully explained at signing ). I did know this was one of their great ways they do business, but assumed due to not being able to buy a car, it would be waived. So I get to pay another {$410.00} for a vehicle I don't even own. I had no excess wear and tear or mileage. I have spoke with them several times and they will not help me. This is completely unfair business practices and I had no control over buying a vehicle within their time frame. They are willing to " help '' others during the pandemic but screwing over many others at the same time. I lost my job and can not afford to pay it right now either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2020. 

Process server trespassed into the apartment building. Came in behind one of my neighbors and knocked on my door and left legal papers outside my door. The process server did not identify himself and was harassing my neighbor asking them more information about me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I tried to use my Equifax account to login to My.Equifax.com on the evening of XX/XX/2020. The account didn't work. I then placed the following calls with the details of the call. 
XX/XX/2020 XXXX XXXX  CST - Talked to customer service Their system was updating so nothing could be done. 
XX/XX/2020 XXXX XXXX  CST Talked to customer service and reset the password. Tried it and it failed. Told to try again in 30 minutes. Tried it the next day, still failed. 
XX/XX/2020 XXXX XXXX CST Talked to customer service and reset the password. Tried it and it failed. Told to try again in 30 minutes. Tried it two hours later, still failed. 
XX/XX/2020 XXXX XXXX CST - Talked to customer service Their system was updating so nothing could be done. 

When ever I've tried to deal with Equifax it's been a hassle.

Company response to consumer: Closed with explanation