vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My vehicle was totaled back in XX/XX/2020. I called Westlake Financial and they  informed me of my balance after the GAP insurance paid. I told them I did not have the complete balance that day and I needed more time. The representative offered for me to do an extension so that would help me with the last payment I owed. At that point I agreed and we moved forward. I paid the last payment after the extension was granted and noticed they charged me for another months payment. I then spoke to several supervisors who informed me that due to the extension it generated another payment. I was furious because the representative never told us a new payment would generate. Why would I have agreed to this when the vehicle was totaled. They now in turn have charged more fees and they keep going up.

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 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
After noticing a significant drop in my credit score as of XX/XX/XXXX, I pulled my personal credit report and noticed KOHL 'S reported my XX/XX/XXXX payment received as being 30 Day 's Late on my XXXX  and XXXX  Credit Report. 

I contacted Kohl 's on the following dates : XX/XX/XXXX, XXXX XXXX, XXXX & XX/XX/XXXX, in regards to the reporting discrepancy. They stated that an investigation took place and the information furnished to the credit reporting agency is accurate, however they have yet to show me tangible, verifiable evidence that I paid my monthly payment 30 days after the due date. They further stated, that an investigation took place and determined that the information furnished to the credit reporting agency is accurate. 

However according to my credit report furnished by XXXX, they stated that my account is CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS!! 

How is it that XXXX  is reporting paid as agreed, with no late payments for XX/XX/XXXX and XXXX & XXXX  are reporting 30 Days Late?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
I chose to receive a Way2Go debit card through my unemployment claim, I filed on XX/XX/2020. It has been over 10 days since I have applied and requested my unemployment debit card. I have tried to call the card company to file that I have not received my card, however it will not let me proceed without a PIN number, I do not have a pin because i have yet received my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: ID

Complaint narrative:
Equifax ; XXXX  and XXXX should not be reporting a chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was XXXX and on XXXX XXXX. My wife had power of attorney and she called XXXX to make payment arrangements on this account however, the representative she spoke with told her that she did not have any authority to discuss any matters regarding this account on my behalf because she was not listed on the account. This is completely false. Power of Attorney gives her the legal right to negotiate on my behalf regarding financial matters while I was XXXX. We used the entitlements listed in The Servicemembers Civil Relief Act ( SCRA ). The SCRA clearly states if any of the benefits under the SCRA are used : The delay of payments wont reflect on a credit report. This false reporting of a chargeoff is seriously harming my credit score. Consequently, this account needs to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was XXXX and on XXXX XXXX. My wife had power of attorney and she called XXXX to make payment arrangements on this account however, the representative she spoke with told her that she did not have any authority to discuss any matters regarding this account on my behalf because she was not listed on the account. This is completely false. Power of Attorney gives her the legal right to negotiate on my behalf regarding financial matters while I was XXXX. We used the entitlements listed in The Servicemembers Civil Relief Act ( SCRA ). The SCRA clearly states if any of the benefits under the SCRA are used : The delay of payments wont reflect on a credit report. This false reporting of a chargeoff is seriously harming my credit score. Consequently, this account needs to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-16 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: ID

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was XXXX and on XXXX XXXX. My wife had power of attorney and she called XXXX to make payment arrangements on this account however, the representative she spoke with told her that she did not have any authority to discuss any matters regarding this account on my behalf because she was not listed on the account. This is completely false. Power of Attorney gives her the legal right to negotiate on my behalf regarding financial matters while I was XXXX. We used the entitlements listed in The Servicemembers Civil Relief Act ( SCRA ). The SCRA clearly states if any of the benefits under the SCRA are used : The delay of  payments wont reflect on a credit report. This false reporting of a chargeoff is seriously harming my credit score. Consequently, this account needs to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-16 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: TX

Complaint narrative:
FTC XXXX Opt-Out Form Confirmation XXXX Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 
Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 
XXXX XXXX {$540.00} XXXX {$9000.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX inquiries XXXX {$540.00} XXXX  {$400.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AVANTE
State: AL

Complaint narrative:
On XXXX XXXX my debt collections account was dispute and close by XXXX  report. The amount was {$1000.00}. And that bill was for XXXX XXXX XXXX  XXXX for XX/XX/XXXX. AVANTE USA  debt collection had written me a letter saying that I need to pay the amount shown above to their company or they will put this on my credit report. This is a bill that was dispute by me to XXXX  for XXXX  XXXX XXXX XXXX and it was closed and removed by XXXX  on XX/XX/XXXX. AVANTE USA does not have the right to reopened a bill that was dispute and closed by XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased clothes from XXXX XXXX XXXX. These clothes totaled {$120.00}. I received them damaged with holes and broken zipper. I filed a dispute because they refused to exchange or refund my money and my bank credited me the amount and now are telling me my claim was denied and I will have to pay it back because of their no return policy, however their policy also states that they will exchange if they send an incorrect item.. I did not order items with holes or broken zippers.

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 2020-06-16 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: NC

Complaint narrative:
XXXX shows account that does not correspond to any Master Promissory note at a time I was not in school. Continues to report to my credit reports.

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 2020-06-16 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: NC

Complaint narrative:
XXXX/XXXX  shows account that does not correspond to any Master Promissory note at a time I was not in school. Continues to report to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: NC

Complaint narrative:
XXXX shows account that does not correspond to any Master Promissory note at a time I was not in school. Continues to report to my credit reports.

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 2020-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BANK OF THE WEST
State: SC

Complaint narrative:
Bank of the West, XXXX XXXX is misapplying my monthly payments on a fixed installment loan with no payoff penalty. Our obligatory payment is {$430.00} - we have paid each month since XX/XX/2019 {$600.00} on autopay. Some months exorbitant amounts of our {$600.00} payment go to interest, others to the principal. This is wrong. Of the {$430.00} amount, a certain % of that amount should be going to principal, the remaining % to interest. Anything in excess of the {$430.00} should all be getting applied to the principal. This isn't happening. Please see the attachment I've included proving 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 2020-06-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Please help - I have tried calling to find out the status of my Way2Go debit card at XXXX for over two months and can not get a representative on the phone. I requested a debit card for my unemployment funds in XXXX and have not received it. The directions say to call the company to let them know. When I enter my social and date of birth, the automated message says try again later and hangs up. Please help!! 
Mrs. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a flight scheduled for XX/XX/XXXX using miles valued at {$2300.00} using Chase Bank 's travel portal. On XX/XX/XXXX I was informed by the airline that the flight was cancelled due to the pandemic. I reached out to them regarding a refund but they stated since the booking came from Chase, I had to reach out to them for a refund. On XX/XX/XXXX I spent 2.5 hours on customer support with Chase Bank, who repeatedly told me they could not refund me without the airline 's consent. I informed them of a DOT Enforcement Order issued on XX/XX/XXXX ( https : //www.transportation.gov/sites/dot.gov/files/XXXX/Enforcement % 20Notice % 20Final % XXXX % 203 % 202020.pdf ) that stated I am entitled to a refund. They stated they could not do it. My wife and I have been emailing back and forth with a banker at Chase to try to get the 2 entities, XXXX  XXXX XXXX and Chase Bank, to talk to each other. This has also not been successful. I am now attempting to file a complaint as a billing error under USC Title 15, Chapter 41 Subchapter I Part D Section 1666 ( b ) ( 3 ) ( https : //uscode.house.gov/view.xhtml? req=granuleid % 3AUSC-prelim-title15-chapter41-subchapter1-partD & edition=prelim ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TX

Complaint narrative:
FTC XXXX Opt-Out Form Confirmation XXXX Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 
Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 
XXXX XXXX {$540.00} XXXX {$9000.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX inquiries XXXX/XXXX  {$540.00} XXXX  {$400.00} USBK Court XXXX TEXA # XXXX USBK Court XXXX TEXA # 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 2020-06-16 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: TX

Complaint narrative:
FTC XXXX Opt-Out Form Confirmation XXXX Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 
Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 
XXXX XXXX {$540.00} XXXX  {$9000.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX inquiries XXXX/XXXX  {$540.00} XXXX  {$400.00} XXXX XXXX XXXX XXXX # XXXX 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 2020-06-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I try to apply for a business cc card and do it online for the first time in my life, and I probably didnt put a right information or i missed understood something and i got a injury on my cc report i know i did it but i just didnt know how to filled it out right. So can you please delete injury from my account and i will go personally to the bank and they will help me out to get business cc card

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 2020-06-16 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: NC

Complaint narrative:
DEPT OF ED/XXXX  continues to verify loans that no Master Promissory Note exists for at a time I was not in school.

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 2020-06-16 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: NC

Complaint narrative:
DEPT OF ED/XXXX  continues to verify loans that no Master Promissory Note exists for at a time I was not in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My complaint involves all of the credit reporting companies, as I know at this time. One of my credit card companies sent a letter stating my credit score had been dropped to XXXX based on reports from one or more of the credit reporting companies. I have tried to talk to someone with those firms in order to obtain information on which they furnished showing the basis of the score. The system they use for call in service does not allow one to speak with a person to either give or obtain information. The most important complaint I have is that credit reporting firms do not attempt to talk to consumers in order to get the other side of a dispute. They primarily use information furnished by creditors on disputes. I was never contacted by anyone asking for my side of any problem. This is totally unfair in a country where, if one is accused, the plaintiff must present proof of an accusation. Obviously, no attempt was made to develop the truth in at least this incident.

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 2020-06-16 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: CL Holdings LLC
State: NV

Complaint narrative:
Jefferson Capital system is reporting a balance for an account that was never opened by me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
NAVIENT continues to submit accounts that are not on Mater promissory note for dates I was not in school.

Company response to consumer: Closed with explanation