vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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: Credit Plus Inc
State: NM

Complaint narrative:
At fault party : Credit Plus My home loan lender, XXXX XXXX  in XXXX, NM, requested a credit report supplement from Credit Plus to reflect that I have and still am making payments on my student loans since the federal government has placed everyone in forbearance due to COVID-19. On XX/XX/XXXX I called Credit Plus and spoke to Agent XXXX who said that she would conference me with XXXX XXXX ( student loan lender ) so that my credit report would reflect payments made instead of no payments made since my bank statements and credit report reflect a payment amount and I spoke to XXXX XXXX agent XXXX who confirmed that I am not only making payments, but above the minimum {$0.00} set by the forbearance status. XXXX asked XXXX questions such as : 1. What my student loan account balances? 3. When and what was my last payment are on each account? 4. When are the next payments? 5. When am I expected to pay back loans, etc.? XXXX answered all questions, confirmed I am making payments and that I wont owe anything on each account until XX/XX/XXXX. Per XXXX, she would adjust my credit report comment that I am making payments and send the new report to my lender and officer XXXX XXXX. After XXXX received the report, she notified me that Credit Plus still did not make changes to reflect that payments are being made even though my bank statements show that I have and still make payments and verification with XXXX XXXX. My credit report is still showing the comment no payments made after verification and spending an hour on the phone with XXXX and XXXX. XXXX failed to make changes to my credit report when she said she would. XXXX didnt even have her questions prepared and she had to put XXXX and I on hold three times to ask her leadership what to ask me, during the conference call. I believe this unchanged credit report is part of discrimination and intentional.. XXXX not only failed to update my credit report but she was being coached to asked questions that had nothing to do with the supplement requested by my lender. This is delaying my ability to get my home loan, it is unprofessional and part of structural racism. I asked XXXX for a copy of the questions she asked during the conference call and the information she received from me. She said she would send it to the lender instead of emailing it to me to withhold this discriminatory practice. The reference number to my case with Credit Plus is XXXX Resolution : THE REPORT SHOULD BE SAYING THAT I AM MAKING PAYMENTS SINCE I AM MAKING PAYMENTS ; confirmed by my home loan lender and student loan lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : {$4300.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2015 ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Joint Remarks Dispute resolved ; customer disagrees Original creditor name 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 2020-06-30 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: MO

Complaint narrative:
The following accounts are both unknown and unauthorized, therefore I'm demanding that the major 3 reporting agencies remove and block the following. Or show just cause via physical documentation of why they are reporting such. Please remove 1 ) XXXX XXXX {$1100.00} 2 ) XXXX XXXX   {$61.00} 3 ) XXXX XXXX 4 ) University of XXXX  {$1000.00} 5 ) XXXX XXXX {$2900.00} 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$1300.00} 8 ) XXXX  {$5500.00} 9 ) XXXX   {$5000.00} 10 ) Dept of ED/ XXXX {$56000.00} 11 ) Dept of ED/ XXXX {$31000.00} 12 ) Dept of ED/ XXXX {$3200.00} 13 ) Dept of ED/ XXXX {$4200.00} 14 XXXX Dept of ED/ XXXX {$1000.00} 15 ) XXXX {$4000.00} 16 ) XXXX {$2600.00} 17 ) XXXX {$11000.00} 18 ) XXXX {$9600.00} 19 ) XXXX XXXX XXXX XXXX {$21000.00} 20 ) XXXX XXXX XXXX XXXX {$2600.00} 21 ) XXXX XXXX XXXX XXXX   {$1400.00} 22 ) 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 2020-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
this is a fraudulent account reporting on my credit report and I've attempted to contact capital one several times with no solution letting them know that this isn't my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 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: MO

Complaint narrative:
The following accounts are both unknown and unauthorized, therefore I'm demanding that the major 3 reporting agencies remove and block the following. Or show just cause via physical documentation of why they are reporting such. Please remove 1 ) XXXX XXXX {$1100.00} 2 ) XXXX XXXX   {$61.00} 3 ) XXXX XXXX 4 ) University of XXXX  {$1000.00} 5 ) XXXX XXXX {$2900.00} 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$1300.00} 8 ) XXXX  {$5500.00} 9 ) XXXX   {$5000.00} 10 ) Dept of ED/ XXXX {$56000.00} 11 ) Dept of ED/ XXXX {$31000.00} 12 ) Dept of ED/ XXXX {$3200.00} 13 ) Dept of ED/ XXXX {$4200.00} 14 ) Dept of ED/ XXXX {$1000.00} 15 ) XXXX {$4000.00} 16 ) XXXX {$2600.00} 17 ) XXXX {$11000.00} 18 ) XXXX {$9600.00} 19 ) XXXX XXXX XXXX XXXX {$21000.00} 20 ) XXXX XXXX XXXX XXXX {$2600.00} 21 ) XXXX XXXX XXXX XXXX {$1400.00} 22 ) XXXX XXXX XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: MO

Complaint narrative:
The following accounts are both unknown and unauthorized, therefore I'm demanding that the major 3 reporting agencies remove and block the following. Or show just cause via physical documentation of why they are reporting such. Please remove 1 ) XXXX XXXX {$1100.00} 2 ) XXXX XXXX   {$61.00} 3 ) XXXX XXXX 4 ) University of XXXX  {$1000.00} 5 ) XXXX XXXX {$2900.00} 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX   {$1300.00} 8 ) XXXX  {$5500.00} 9 ) XXXX   {$5000.00} 10 ) Dept of ED/ XXXX {$56000.00} 11 ) Dept of ED/ XXXX {$31000.00} 12 ) Dept of ED/ XXXX {$3200.00} 13 ) Dept of ED/ XXXX {$4200.00} 14 ) Dept of ED/ XXXX {$1000.00} 15 ) XXXX {$4000.00} 16 ) XXXX {$2600.00} 17 ) XXXX {$11000.00} 18 ) XXXX {$9600.00} 19 ) XXXX XXXX XXXX XXXX {$21000.00} 20 ) XXXX XXXX XXXX XXXX {$2600.00} 21 ) XXXX XXXX XXXX XXXX   {$1400.00} 22 ) XXXX XXXX XXXX XXXX {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I made a purchase and did not recieve services for what i paid. I contacted the credit card company regions bank but they did not resolve it.

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 2020-06-30 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : {$4300.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2015 ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Joint Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : {$4300.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2015 ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Joint Remarks Dispute resolved ; customer disagrees Original creditor name 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 2020-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened a checking and savings account with the BBVA Compass Bank at the XXXX, Arizona branch on XXXX XX/XX/2020. 
This account was opened on a bank promotion which said {$100.00} checking account bonus and {$50.00} savings account bonus, upon opening the account within the given time frame and making qualified direct deposit. 
I completed these requirements within the stipulated time which was validated by bank officials through telephone conversation on XXXX XX/XX/2020. 
I was supposed to get my money by 1st week of XXXX but it was not credited. 
So on XXXX XX/XX/2020, I filed a compliant with the bank to escalate the issue but till date they keep procrastinating it by telling that they are still working on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
XX/XX/2020 my westlake financial loan company keeps calling me making threats cause my monthly payments are late and behind do to not being able to work during the pandemic period and I keep begging them to lower my payments or lower the final payoff. I have always made previous payments on time and in full, also made over payments when I was able to. Now I get calls being bullied by customer service to the point where I breakdown and cry. I'm out of work and i just want to not keep having late charges and paying more than what is owed.

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 2020-06-30 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: MO

Complaint narrative:
Im demanding that the following unauthorized accounts be removed from my credit file. These accounts are an direct result of my identity being lost and compromised. Please remove the following. 

1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX 5 ) Dept of ED/ XXXX  {$31000.00} 6 ) XXXX/ XXXX  7 ) XXXX  8 ) XXXX 9 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: SIMMONS FIRST NATIONAL CORPORATION
State: MO

Complaint narrative:
I received a fraud alert from Simmons bank via text. 2 minutes later I responded advising the transaction was not authorized via their automated system. As I used an automated system, I received the message that my debit card was cancelled. I immediately called to say I did not authorize the transaction but I wanted to keep my debit card as I have had the same debit card for 7 years ( before Simmons bank took over ) the agent advised the debit card had to be canceled as my number was compromised. The next day I went to the bank and got a new debit card. The next day, the fraudulent transaction was pending in my bank account! I immediately called the fraud hotline and was advised, I had to file a dispute and the funds would be held for 7-10 days!! I advised the transaction should have been rejected when my card was cancelled. I requested a supervisor, I was on hold for 15-20 minutes, the XXXX  supervisor ( XXXX  or XXXX  ) came on the line and advised me, I had to wait until the transaction posted and then file a dispute. This is wrong, this bank allowEd someone on a website to use my debit card information to make a purchase, SIMMONS BANK was immediately notified the transaction was not authorized due to the fraud alert they sent me ( they knew it was a fraudulent activity because they notified me ) this transaction should have been rejected!!!! Period!!! They cancelled my card but didnt cancel the transaction!!! Instead they are holding my funds and requiring me to file a dispute. What kind of bank is this?

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 2020-06-30 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: GA

Complaint narrative:
this is a fraudulent account reporting on my credit report and I've attempted to contact XXXX XXXX several times with no solution letting them know that this isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: GA

Complaint narrative:
this is a fraudulent account reporting on my credit report and I've attempted to contact XXXX XXXX several times with no solution letting them know that this isn't 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 2020-06-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I've contact Infiniti FIN SVCS several times about this account reporting on my credit report that doesn't belong to me and I have proof with certified receipts. I demand that this fraudulent account is removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: MO

Complaint narrative:
Im demanding that the following unauthorized accounts be removed from my credit file. These accounts are an direct result of my identity being lost and compromised. Please remove the following. 

1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) Dept of EDXXXX XXXXt {$31000.00} 6 ) XXXX XXXX  7 XXXX XXXX 8 XXXX XXXX 9 ) 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 2020-06-30 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: MO

Complaint narrative:
Im demanding that the following unauthorized accounts be removed from my credit file. These accounts are an direct result of my identity being lost and compromised. Please remove the following. 

1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX 5 ) Dept of EDXXXX XXXX {$31000.00} 6 XXXX XXXX XXXX 7 XXXX XXXX 8 XXXX XXXX 9 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 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: KS

Complaint narrative:
A correspondence dated XX/XX/2020 was sent to USBank requesting {$190.00} ( now {$190.00} ) in errant " Monthly Maintenance '' charges be refunded back to my account. I have been fully complaint with the terms which would prevent these fees.

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 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander Consumer reopened my loan and put it as 120 days pass due. The information is not listed on the co-filers report. I have not had the car in my possession for over 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 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: GA

Complaint narrative:
I've contact XXXX XXXXXXXX XXXX several times about this account reporting on my credit report that doesn't belong to me and I have proof with certified receipts. I demand that this fraudulent account is removed immediately.

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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of FRAUD on my Wells Fargo credit card. Someone got a hold of my card and used it without my permission on XXXX. I reported the fraud to the police and contact Wells Fargo right away to report the fraud as well. Wells Fargo temporary credited me back for the fraud purchases then reversed the credit saying to me by letter the charges are from a company I do business with. Its XXXX of course I have done business in the past on that same account but this was not me and it was fraud. I did everything I should even filing a police report but Wells Fargo is not helping me. Under the law I thought I was protected from fraud charges but Wells Fargo does not seem to care for their customers.

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