vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi there is a long list of Student loan debt, Ive no knowledge of these debts that was intent to do fraud, Misrepresentation of giving a false,, misleading accounts. I need thes accounts verified with my signature of these fraudulent debts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi there is a long list of Student loan debt, Ive no knowledge of these debts that was intent to do fraud, Misrepresentation of giving a false,, misleading accounts. I need thes accounts verified with my signature of these fraudulent debts

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 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
InXX/XX/XXXXanaccountwasremovedfrommycreditreportasitwasnotmine.NowinXX/XX/XXXXallofasuddenitreappearswithoutthe5dayreinsertionlettertheyaresupposetosendme.8monthslatertheyputitbackonTransunion.Isentthem3lettersstatingtheydidntnotifymewitha5dayletterpertheFCRAandthecompliancelawsandtheystillwonttakeitoff.Ineedthisaccountremovedperthereinsertionlawasitwasremoved8monthsago

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 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Received email notification on XX/XX/2019 that Citi closed my Citi preferred credit card. I called customer service and I was told that it's because it has been over 24 months without any activity on my account. When I told that there's a transaction of {$95.00} on XX/XX/2019 for the annual fee, they said that they do not count that transaction as an activity so they closed the account. How is that fair to the customer when I clearly see this as an activity and Citi chose to close my account without letting me know ahead of time.

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 2019-09-03 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: KY

Complaint narrative:
A company is reporting that I owe them for service, however I did not request their services. 
Equifax removed this item. 
The company sold this bogus account to a collection company. 
Now Equifax has not removed. 
I did not request or receive their services!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Despite my effort bank of emerica prepaid add card jas made it impossible to argue an enourmous amount of unauthorized charges to my bank of america XXXX  card and refused to give the temp credit always given in the case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
From the moment I began to dispute several unauthorized charges on the account PayPal downgraded me and the only argued what was indisputable facts of thanking mistakes and overcharges due to PayPal change does the amount of charge basketball though they meet every sense and I had every bit of proof they simply shut my account down and retribution and told me they no longer wanted to do business. They claim to be able to hold my balance for 180 days with no explanation no reason or no facts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My last name has a typo that needs to be corrected. My last name has an " A '' at the end, not an " O ''. 
This typo seems like an alias which I don't have or use or need to use ever. 
This last name has a typo most likely made by a clerk unbeknownst to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: TX

Complaint narrative:
My last name has a typo that needs to be corrected. My last name has an " A '' at the end, not an " O ''. 
This typo seems like an alias which I don't have or use or need to use ever. 
This last name has a typo most likely made by a clerk unbeknownst to 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 2019-09-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My last name has a typo that needs to be corrected. My last name has an " A '' at the end, not an " O ''. 
This typo seems like an alias which I don't have or use or need to use ever. 
This last name has a typo most likely made by a clerk unbeknownst to 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 non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I received a notification from XXXX XXXX stating I had a new inquiry on my credit from CBNA. I also received several txt and a voice mail from Citi that I had to call regarding my application. I never filled out an application on XX/XX/2019 for credit of any source and with no one. I never gave my consent. I did call and they say they dont know.

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 2019-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I would like to have all inquiries removed from my account its messing up my credit score i want every inquiries removed asap i do not know how i have 16 inquiries this is not making any sense at all i need my credit score urgently to get my apartment and the right job for me it is stopping me from succeeding help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ZARVAD III S.A.
State: OK

Complaint narrative:
They charging illegal interest rates and harassing when trying to stop ACH debt. Borrowed XXXX to date have paid XXXX none of it as went to the principal they say they want another XXXX to close my account. Oklahoma law only allows you to have two payday loan with fixed interest. Which I already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank froze my checking while I'm out of the country. I tried to use XXXX and ACH transfer to move my salary over to a checking account at another bank. So there was nothing out of the ordinary prior to freezing my funds. Customer service informed me that that I can only resolve this at a branch. First bank I really don't trust with my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: VA

Complaint narrative:
A short sale was negotiated between my lawyer and Loan Care servicing center for the following property : XXXX XXXX XXXX XXXX XXXX, FL XXXX The short sale was approved and final closing occurred on XX/XX/XXXX and XXXX, 2019. 

I signed on the XXXX at the Title Company office and the buyer signed the following day. 

The total amount owed on the property was approximately {$110000.00} and a sale was negotiated for approximately {$85000.00} The Title Company confirmed that the negotiated amount was sent. 

A property search clearly shows that the buyer is the owner. 

Loan Care keeps reporting to XXXX that I owe a balance of approximately {$110000.00}. 

I have disputed this at least twice, and I get no mail with no explanation. The XXXX credit report still shows this balance. 

In fact, I have not received a single piece of mail from Loan Care since the closing. 

I'm not quite sure how after over 9 months, they still consider this an open account? 

If it's open, why does the balance show {$110000.00}? 

I don't know what the XXXX  credit bureau is reporting. But it's possible that is incorrect as well. 

One of the attachments shows a screen shot of XXXX County showing a new owner. 

I mailed Loan Care FCRA compaint by mail and they never responded to it. ( attached )

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 2019-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called on XX/XX/XXXX saying that my work had sent a direct deposit with the wrong deposit numbers. After 45 mins and talking to an acxount supervisor ( XXXX? ) that said she " spoke to the ach department and was told that I had to wait until Tuesday XX/XX/XXXX for my money to be available. '' While on the phone with customer service got laughed at 2 times .... supervisor was fine tho ... 

Called on XX/XX/XXXX speaking to a guy who put me on hold for an hour saying he was waiting in que to " talk to an account supervisor '' never got to one and confirmed the money sent to an inactive account .... 

XX/XX/XXXX called and was talked over the entire time. Asked to be transfered to a supervisor. Got transfered to a " supervisor '' named XXXX. XXXX put me on hold for 3 mins saying " let me call the ach team '' she came back and said you will just have to wait till end of buisness today and it probably wont go to my account and will just reject. After saying this makes no sense and why did you wait to tell me 5 days later .... what they are saying. The admitted the ACH team isnt even taking calls yet are not open ... .. then who was everyone wasting my time " talking '' too? 

It seems as tho this is a case of no supervisors and just customer service reps who dont care who trasfer you around to other customer service reps that also know nothing? 

This is disgusting from a customer service stand point and from a banking standpoint. This check is only XXXX ... ..my sons birthday is in 3 days and now im struggling with presents. Banks just dont care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Report number- XXXX result date XX/XX/2019, source Experian. The report does not show that I am on a payment plan with 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 non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Didnt get any notice from the company about any unpaid bills, I actually had medical insurance at the time, also Auto insurance in which I was covered under my PIP for medical fees resulting from the auto accident I was involved in which was the reason why I was admit to 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 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A short sale was negotiated between my lawyer and XXXX XXXX servicing center for the following property : XXXX XXXX  XXXX XXXX XXXX, FL XXXX The short sale was approved and final closing occurred on XX/XX/XXXX and XXXX, 2019. 

I signed on the XXXX at the Title Company office and the buyer signed the following day. 

The total amount owed on the property was approximately {$110000.00} and a sale was negotiated for approximately {$85000.00} The Title Company confirmed that the negotiated amount was sent. 

A property search clearly shows that the buyer is the owner. 

XXXX XXXX keeps reporting to Transunion that I owe a balance of approximately {$110000.00}. 

I have disputed this at least twice, and I get no mail with no explanation. The Transunion credit report still shows this balance. 

In fact, I have not received a single piece of mail from XXXX XXXX since the closing. 

I'm not quite sure how after over 9 months, they still consider this an open account? 

If it's open, why does the balance show {$110000.00}? 

I don't know what the XXXX credit bureau is reporting. But it's possible that is incorrect as well. 

One of the attachments shows a screen shot of XXXX County showing a new owner. 

I mailed XXXX XXXX FCRA compaint by mail and they never responded to it. ( attached )

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 2019-09-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian report XXXX XX/XX/2019 the report does not show that I am on a payment plan.this is the result of a recent dispute, do not agree. 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 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
On XX/XX/XXXX, I applied for the XXXX Card from Goldman Sachs Bank, XXXX XXXX XXXX Branch.  After getting an identity verification error, I contacted Goldman Sachs Bank and was told that I need to keep trying the application as there is no limit to the number of times I can retry. I was able to get to the part where I have to scan my drivers license and they were having issues with certain states drivers licenses. I followed the directions from the representative and kept retrying the application. After the 5th retry, I began getting a message that I had applied multiple times and they were unable to verify my identity. After multiple calls and speaking with multiple agents on XX/XX/XXXX, XXXX and a manager around the XXXX, the company informed me that they had no resolution process in place for customers whos IDs were triggering issues with their scanning mechanism. This is unacceptable for a large bank to not have a manual verification process in cases where there is a clear and acknowledged system issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
When I received my XXXX statement from Chase for Visa ending in XXXX I noticed 9 fraudulent charges dated XX/XX/XXXX and XX/XX/XXXX totaling {$410.00}. Eight of these charges were to XXXX XXXX and one was to XXXX seller repay. 
I contacted Chase to report the fraudulent charges. My credit card was canceled to stop further use, I was issued a new card with a new account number and the fraudulent charges were removed from my account. 
I then received a letter from the Fraud Department dated XX/XX/XXXX stating that after an investigation into the unauthorized charges they had determined that the charges were not fraudulent and were being added back to my account. The reason given for each of the 9 charges was You received benefit from this transaction. 
After receipt of this letter I telephoned the Fraud Department and spoke to XXXX insisting that the charges were, in fact, fraudulent. I was told that a second investigation would be launched and XXXX assured me that he would call me the following week. XXXX did not, as far as I can tell, ever try to contact me. 
I then received a letter dated XX/XX/XXXX from XXXX, Sr. Specialist II, stating that the second investigation confirms the previous findings that the transaction is valid. 
I am appealing this decision. 
I have filed a police report. 
I am filing a complaint with the Consumer Financial Protection Bureau. 
I would like my account closed immediately as I no longer wish to do business with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have contacted PNC consumer services department on XX/XX/XXXX and XX/XX/2019. To apply for their temporary Payment program and or permanant payment program. To lower my interest rate and payment on my PNC credit card and personal loan with the bank. The PNC.com/options website does not let me logon either. I am going through a financial hardship and can not make any payment arrangements. My PNC visa monthly payments are about {$150.00} and about {$100.00} of this payment is interest I am trying to pay down the balance. My personal loan payment is about {$120.00} per month I want to lower the interest rate and payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/2019, I went into XXXX XXXX  in XXXX XXXX Indiana and I also tried to open an account with XXXX XXXX and Fifth thirdbank, at XXXX. I wanted to just open a regular certificate of deposit. The banker told me that I owed two banks from XXXX and that i would not be able to open an account until it is paid off. I am starting a new job in the area and I can't open an account anywhere. I tried to open a checking account and savings at fifth third and they told me the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
I purchased and returned a watch to Kay jewelers ( {$990.00} ).  The watch was sold to me broken and I returned it to the XXXX XXXX location where I purchased several products from. I was told that they would return it to headquarters for repair. And they took the amount I paid and gave me credit to purchase another watch. Now they are attempting to charge me for a watch that was returned at there store 2years ago. They didnt contact me through mail or calls because I would have disputed it. Now a lawyer is contacting me. I answered the summons and gave the same response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: NY

Complaint narrative:
We are attending court tomorrow ( XX/XX/19 ) on a order to show cause. Wilmington Bank vs. XXXX XXXX. XXXX County Court House, XXXX. Wilmington Bank is claiming that they bought a note of my property from XXXX XXXX XXXX. Wilmington Bank filed a foreclosure proceeding. To my recollection the loan on the property was paid off years ago.

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