vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please remove any and all fraud alerts on my credit file

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 2020-11-02 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: FL

Complaint narrative:
id theft victim this account is not mine XXXX Opened XX/XX/2019 {$350.00} Original creditor : XXXX XXXX XXXX i have free cable through my moms work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: FL

Complaint narrative:
id theft victim this account is not mine XXXX Opened XX/XX/2019 {$350.00} Original creditor : XXXX XXXX XXXX i have free cable through my moms work

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 2020-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My home equity FHA mortgage loan is through PNC Bank. I've been being harassed and threatened to have penalties and fees for payments I can not afford at this time. I've been trying to apply for the forbearance due to me having no job, and family members that have passed away due to covid. This national pandemic has taken a toll on my income and family. Under the CARES ACT I'm suppose to be protected and able to apply for a pause on my mortgage. PNC bank however, is denying me the right, when I ask for the forbearance they inform me of only having a loan modification program and hardship program available which both requires approval and can take over 30 days, it also requires a 17 page form to fill out with copies of my bank account funds. Many of PNC bank members are having the same issues with PNC denying them the right to apply for forbearance. PNC Bank is making it really difficult for myself and others through these difficult unforeseen times. I need help, and would like to file a complaint against PNC bank for not abiding by the Cares Act law. They are threatening to have me homeless and are causing me emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was at XXXX XXXX XXXX in XXXX, Ga for my nephews birthday. I used my card at the counter to purchase a play card. My Chime app would not allow me to log-in account so I could turn back off my debit card ( I always have it turned off when Im not using it ) .I was not able to log in, due to Chime app saying they were experiencing issues. I tried to log-in approximately 5 minutes later, which was successful. I logged in to find that my money from my Chime secured card, and my savings had been transferred to my checking account. From my checking account {$300.00} was then transferred to someone who I do not know. This all happened within 4 minutes of swiping my card at the counter of the XXXX XXXX XXXX. The transaction states it was sent to a user on the chime app with the username XXXX, for dinner. I NEVER authorize anyone to use my Chime account, I do not give out my passwords, etc. I am a victim of theft. Not only am I a victim of theft I believe that the Chime bank has been hacked this entire weekend. They keep stating they are experiencing issues and not allowing me to login to my accounts appropriately. I have requested new account numbers, etc., which they have not provided me with. I believe that Chime is also responsible for not properly providing security protection for consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo bank is now trying to use other agency 's to blame in there on going fraud. The XXXX refunds that involved a repossession there lying about everything.

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 2020-11-02 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:
Failed to remove the remaining 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 2020-11-02 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: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
This company has yet to mail me verification that this debt belongs to me. I have sent them a police report as confirmation of identity theft yet they claim that they conducted an investigation and denied my identity theft claim. I called them directly asking for proof of their investigation and that this account belongs to me. It has been over a month and they haven't sent me anything. I am asking them to stop harassing me and my credit and stop reporting this incorrect information to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank has locked my account since 6weeks now, and have withheld my money both in my savings and checking account.I have called them severally and I haven't gotten any positive feedback or response.

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 2020-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My name is XXXX XXXX and I just received a letter the mail saying that a company called LVNVFUNDING, LLC is going to sue me on a debt. The court date is for XX/XX/2020. I know my rights but this is really getting out of hand. I dont know why they forcing me pay for something when its already on credit report. They had tried this before on sending a person to my house serving me papers that I was due for court but there wasnt no time or date on it. I really need someone to help me out with this one because they cant be doing and harassing me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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:
Failed to remove the remaining 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 2020-11-02 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: TN

Complaint narrative:
Failed to remove the remaining fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The beginning of this year I received a parking ticket issued to me by the XXXX XXXX XXXX. I did not pay this ticket and it eventually got sent to the collection company XXXX. 

A few months ago I noticed that the collection showed up as a " derogatory mark '' on my credit report. This collection account was opened on XX/XX/XXXX by XXXX for the amount of {$200.00} with the Original Creditor being the XXXX XXXX XXXX ( as described above ). 

Attached you will find the original past due notice for the parking ticket from the XXXX XXXX XXXX. The invoice shows the amount due ( {$200.00} ) and that it was indeed issued by the XXXX XXXX XXXX. 

According to the National Consumer Assistance Plan instituted in XXXX and agreed to by all 3 credit bureaus, collection agencies can no longer report unpaid debts to the credit bureaus that did not arise out of contracts or consumer agreements. This includes parking tickets. Since the above mentioned collection is a parking ticket, its appearance on my credit report is in direct violation of the National Consumer Assistance Plan and should be removed from my credit report. 

I have contacted and filed disputes with all 3 credit bureaus concerning this matter. XXXX and XXXX have both successfully removed the collection from my credit report. Equifax, on the other hand, has denied my dispute and has not removed the collection from my credit report. 

I am requesting that you contact Equifax and have them remove from my credit report the collection that is in violation of the National Consumer Assistance Plan. 

Thank You! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I used my card on to purchase hair from XXXX for XXXX with capital one upon receiving the merchandise I realized that the merchandise was not correct. I reached out to the sales rep letting her know my issue Mrs. XXXX on XX/XX/XXXX and she advised i send it back via usps but, covid had just begun and there wasn't a way to return for cheap. On XX/XX/XXXX Mrs. XXXX reached out to me and asked if i would place another order i told her no because, i still had to return the original merchandise. So she assured me and these are her exact words. " He said you can get closure only if you purchase more hair of lengths in between XXXX and minimum 30 bundles this is his deal and we talked about this. On XX/XX/XXXX she also stated and i quote That they will refund me once received their hair. I reached out XX/XX/XXXX to the representative and she keeps saying i need to reach out to the owner as well. I have contacted capital one multiple times in regards to returning this merchandise they instructed me to and they have yet to do anything I have paid interest on my credit card and been heavily inconvenienced because of this whole ordeal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4500.00}, {$4800.00}, {$7100.00}, {$5600.00}, {$2100.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 











2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

5. XXXXXXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my 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 2020-11-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4500.00}, {$4800.00}, {$7100.00}, {$5600.00}, {$2100.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 











2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

4. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

5. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my 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 2020-11-02 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4500.00}, {$4800.00}, {$7100.00}, {$5600.00}, {$2100.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 











2XXXX XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has non-industry standard minimum payments and late fee structure which is misleading to the customer. 

On XXXX XXXX, 2020, I made a cash back redemption from credit card reward points that covered my entire monthly statement balance. I therefore had completed my payment obligation of the amount due. Later, I found that Citi had charged me not only a late fee but also accrued interest on my purchases. I called into customer service and was told that the redemption amount did not count toward my minimum required payment. The same goes for decreases in balance due to refund credits direct from a merchant. This causes a very misleading situation where my remaining statement balance could be {$0.00} but I still owe a minimum payment balance, and failure to notice this will result in inflexible late fees and interest charges. This system is flawed and Citi is the only issuer I have ever experienced this with, having owned credit cards from a wide range of credit card issuers.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hey, I was really shocked when I last reviewed my credit report and found a new late payment on the dates below : XX/XX/2020 for 30 days late with the account status of Late 30 Days. 

I am not sure how this happened, despite the pandemic, I did my best to pay all my bills on time. 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.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 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: CA

Complaint narrative:
I bought my new car this year on XX/XX/2020. 
the finance manager lied to me about adding GAP later at anytime. 
I recently had a car accident and my Insurance considered it total loss and I ask their network body shop if its fixable. the employee said its fixable and Im seeing Santander and my insurance rather re sell it at the XXXX XXXX to gain money instead fixing their fixable car, to me it unfair and predatory on their behalf. I lost my job because of their practices with the Insurance. I want the car fixed properly and refinanced with someone else with a lot lower interest and lower monthly payment because their car will be worth less than XXXX. I got another job but Im pretty sure it wont cover the XXXX  monthly payment now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
This Navy Federal Credit Union is wrongfully frozen my account that I have XXXX in funds deposited in very unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation