vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-07 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: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX on XX/XX/2019 did a hard inquiry. I did not ask them to do this, it was unauthorized. I looked up XXXX and apparently it's XXXX XXXX XXXX. I researched and have found thousands of complaints of unauthorized hard inquiries. This only shows up on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter to Plusfour asking for validation of debt. They sent me a print out of my name and the balance that I owed and black out majority of this small print out. No validity to this letter or validation of debt owed. I live in NC and this debt is from Nevada. I do not recall any of these services rendered. I also call this company and the gentleman I spoke with said they didn't have the license for NC to collect. I don't understand but yet they put this on my credit report and now I can't get them to remove it. I haven't received proof of debt.

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 2020-06-07 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: NY

Complaint narrative:
Two charges ( {$370.00} deposit & {$1400.00} balance ) were placed on my Chase Visa credit card account for a vacation rental through XXXX  on XX/XX/XXXX and XXXX, 2020 for a rental period of XXXX XXXX 2020. The vacation property was advertised as clean and safe. In XX/XX/2020, given the unprecedented circumstances regarding the COVID-19 pandemic, the US CDC issued recommendations for the cleaning and sanitation of hotels/motels/vacation rentals. These standards were deemed the minimal necessary for public safety. Failure to follow such standards was considered unsafe. As such, it is reasonable to expect that these standards were met for the vacation property to be clean and safe as advertised. The merchant was contacted in XX/XX/2020 to obtain confirmation as to the cleaning standards used to confirm that the property, including common areas included in the paid service, were clean and safe. Several attempts to receive such documentation were ignored by the merchant. As such, the service was reasonably considered defective and not-as-described. Multiple attempts to resolve the issue with the merchant were fruitless. 

A dispute was opened with the credit card issuer, Chase, on XX/XX/2020. The dispute was denied in a letter received XX/XX/2020, AFTER the XX/XX/2020 rental period had expired, and as such NO services had been rendered. Additionally, the chargeback dispute resolution letter from Chase ignored the " not-as-described '' reason for the dispute and claimed a cancellation policy which was never in question. 

The claim was re-disputed, now on the grounds that no services were rendered, and, as such, falls under the category of a billing error. Additionally, the merchant continued to decline either a full credit or refund. The second dispute was also denied by Chase in a letter dated XX/XX/2020. 

We are now asserting Claims and Defenses, seeking independent binding arbitration as well as a formal complaint investigated through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I was issued a credit card from this company with a {$12000.00} limit. I transitioned to using this card for everything, from daily purchases to paying my bills as a way to increase credit usage to no more than 30 % to help build my credit. And for a while it was working. Less than a year later, my credit limit was lowered from XXXX to just over {$4000.00}. At the time i had used somewhere int he neighborhood of over {$3000.00} on the card. This change brought my credit usage from less than 33 % to over 90 %. 

I immediately called the company to see what was going on and was told that the bank reviewed my credit and felt that my limit should be lowered based on my current credit file. This made 0 sense to me for 2 main reasons ... 1. I have never been late with a payment to them even to this day. 2. Every other CC i have was being increased at the time. I was informed that i could look at my credit report and see what might be wrong on there and dispute it, then send them a request to have my limit restored after i receive a result of the " wrong '' being corrected. 

6 months later, they did it again and lowered my limit from just over $ XXXX to {$3700.00} where it has been for over a year. My credit usage remained at a high percentage, as i transitioned from using the card to using cash and struggled to pay the balance as i had been before the limit was initially dropped. As i write this complaint today, i discovered that after working hard to make a sizable payment ( $ XXXX ) towards my balance, my credit limit has been reduced yet again from the {$3700.00} that i have been used to, to {$1700.00}. A week after the payment no less and during a global pandemic. 

I called again .... and was given the same information i was told more than a year ago when this first happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I phoned usaa spoke to FRAUD DEPARTMENT rep. XXXX. ( No ACCESS ON LINE ADA NON COMPLIANT WEB on hold 23cmins to reach rep. ) to Discuss attatched XX/XX/XXXX usaa Letter CONFIRMING NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW. My question after 45 min wait to pull up letter was WHY ARE USAA REVERESING MERCHANTS CREDITS?? He said they only do that IF MERCHANTS ALSO SENDS CREDIT. My response, Yes, And??? WHY REVERSE THE MERCHANTS CREDIT PAID to COVER FRAUD ** USAA CONFIRMS DID NOT EXSIST???? ... AND dial tone in my ear. USAA DOES NOT RESOLVE FRAUD.USAA HANGS UP ON CONSUMERS STEALING MERCHANTS CREDITS AS THEIR OWN. XX/XX/XXXX statement has {$2.00}, XXXX REVERSED CREDITS NEVER MADE PERMANET NEVER PROVIDED DENIED IT EVER HAPPENED.??? And I discover in all of this I DID NOT OPEN THE ACCOUNT MY CREDIT WAS DESTROYED WITH ** INACCURATE CREDIT REPORTING. XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: OH

Complaint narrative:
My identity was stolen and there have been someone trying to open an account in my name. There have been accounts that have been open in my name and it needs to be investigated and removed.

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 2020-06-07 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX keeps adding a account to the credit reporting agencies after it has been removed several years back it was reported to this commission the consumer financial protection bureas and it was reported and removed from all 3 XXXX  and from XXXX  and from XXXX, I am utterly confused on how this company can manage to put this debt on here after it was removed from all 3 credit reporting agencies. Consumer finanace has record of this account and I am not sure why they keep allowing this account to go under collection status. This company attempted fraud and when I applied for a loan toook all the money out from my bank account without my permission. I think its time to lawyer up and see everyone in court, federal court or state court. 
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$560.00} CREDITOR INFO XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/2020 ORIGINAL CREDITOR XXXX SPEEDY CASH RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Placed for collection Inaccurate Info?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc won't allow me to link my bank account to any outside sourse due to security enhancements

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: TX

Complaint narrative:
XXXX XXXX keeps adding a account to the credit reporting agencies after it has been removed several years back it was reported to this commission the consumer financial protection bureas and it was reported and removed from all 3 XXXX  and from XXXX  and from XXXX, I am utterly confused on how this company can manage to put this debt on here after it was removed from all 3 credit reporting agencies. Consumer finanace has record of this account and I am not sure why they keep allowing this account to go under collection status. This company attempted fraud and when I applied for a loan toook all the money out from my bank account without my permission. I think its time to lawyer up and see everyone in court, federal court or state court. 
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$560.00} CREDITOR INFO XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/2020 ORIGINAL CREDITOR 01 XXXX XXXX RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Placed for collection Inaccurate Info?

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 2020-06-07 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash keeps adding a account to the credit reporting agencies after it has been removed several years back it was reported to this commission the consumer financial protection bureas and it was reported and removed from all 3 XXXX  and from XXXX  and from XXXX, I am utterly confused on how this company can manage to put this debt on here after it was removed from all 3 credit reporting agencies. Consumer finanace has record of this account and I am not sure why they keep allowing this account to go under collection status. This company attempted fraud and when I applied for a loan toook all the money out from my bank account without my permission. I think its time to lawyer up and see everyone in court, federal court or state court. 
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$560.00} CREDITOR INFO XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/2020 ORIGINAL CREDITOR 01 SPEEDY CASH RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Placed for collection Inaccurate Info?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: IN

Complaint narrative:
My bank PNC no longer allows 3rd party linking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: OH

Complaint narrative:
My identity was stolen and there have been someone trying to open an account in my name. There have been accounts that have been open in my name and it needs to be investigated and removed.

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 2020-06-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I filed a dispute with Equifax requesting proof of documents showing that these Items that their reporting on my credit file belong to me. I am a victim of fraud and identify theft so it id my right according to FCRA 601 That states that the Credit reporting agency must provide me with such documents. Equifax failed to provide me with anything that's contractual linking these accounts to me. But instead they lacked a investigation and failed to inform me of how they verified these accounts were mine but instead they sent me a copy of my credit report with no information but still showing the ( 2 ) disputed items. Usually a credit reporting agency would make such statement as " We've verified this account as accurate. Or it will say that they removed the account or updated it. I didn't receive anything from this agency stating either or. This agency has hung the phone up on me I've been called and ignorant XXXX man by this agency in the mist of what XXXX people are going through in this Country. I've made several complaints regarding this agency and no one seems to want to get involved including this agency CFPB now the next step is for me to file a claim against this agency for discrimination and for violating the FCRA. These are the two items that remains on my report without explanation or proof that these Items belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : {$65000.00} {$65000.00} XX/XX/2020 {$1000.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : ( XXXX ) XXXX XXXX XX/XX/2020 {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am not sure who this company is. I was able to log in to my paypal account, But I have never applied for paypal credit. Please help me this inquiry should not be on my XXXX credit report. 

INQUIRER CONTACT DETAILS SYNCB/PAYPAL XXXX, MD XXXX ( XXXX ) XXXX ESTIMATED REMOVAL DATE XX/XX/2022 Inaccurate Info?

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 2020-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have tried to obtain my annual credit report from Equifax nearly every year since the " Free Credit Report '' law was enacted. Instead of my credit report loading, I get a webpage saying my credit report is unavailable online and to go to their website to obtain my credit report. However, their website will not allow me to log in to my account to download my report, due to technical issues they have refused to correct for several years. 

I have no problem obtaining my free annual credit reports from XXXX or XXXX, only XXXX is being a XXXX about providing me a report through the government 's website. This issue must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I am trying to link my checking account to an XXXX account to round up and save money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For the past 2 months my credit score has not been updated correctly. Typically your credit score reflects whether it has increased or decrease in points. Mine has done neither. Someone is illegally trying to sabotage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
I have sent six payments that PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX claim they do not have which is not true. I have contacted XXXX and XXXX XXXX   XXXX XXXX and they sent a letter and receipt mortgage company has payemts but they are not getting credit to my account. I can not get any help from them and I need help to credit account and suspense balance to bring me a month a head this is so unfair please help thank you. 
XX/XX/XXXX express payment XXXX XXXX ref XXXX XXXX The next five were made through XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX total amount XXXX for all six payments no applied and there is almost XXXX in my suspense balance they are not posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Alleged Debt {$1200.00} Current Debt collection company - Common wealth finance Original creditor - XXXX XXXX XXXX XXXX Had no knowledge of this account/debt and I have had medical insurance-ALWAYS hence I have no other medical debt period. I had/have No knowledge of this account and certainly didnt know I owed it. It wouldve been taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TN

Complaint narrative:
I excepted a job offer on XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX Tn. and worked 6 weeks and First Advantage background reported false information and i lost my job. I contacted First Advantage and reported the issue, In reveiwing the company I found Im not the first. The back ground information they summitted wasn't mine. I have had identity theft and filed a police report and filed a complaint with the FTC in which I summitted the paper work to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
If you look at Complaint XXXX that was closed yesterday, you will see that Chexsystems stated that they fixed my report and sent an updated copy to me. However, that was a lie. They sent a letter to me stating that the information would remain on my report and they also did not include and updated report with it. That is a clear violation of the FCRA. I have included the letter sent to me that shows that they lied about how the situation was handled.

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 2020-06-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, duplicate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

They also did not update my personal information per the request made in XX/XX/XXXX that was sent via mail XX/XX/XXXX.

Company response to consumer: Closed with explanation