vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANSUNION HAS CLOSED MY DISPUTE AND NEVER INVESTIGATED MY DISPUTE TRANSUNION INVESTIGATION RESULTS FOR XXXX XXXX XXXX OPEN DATE XX/XX/XXXX IS NOT THE ACCOUNT THAT I DISPUTED THE ACCOUNT THAT IS BEING DISPUTED IS CHASE AUTO ACCOUNT ( ... XXXX ) WITH THE OPEN DATE OF XXXX XXXX AND WAS CLOSED XXXX XXXX THIS IS WHAT MY DISPUTE ON XX/XX/XXXX I PAYED OFF MY AUTO LOAN AS AGREED THIS WAS A 72 MOUTH AUTO LOAN AND I HAVE CALLED TRANSUNION CREDIT BUREAU AND ASKED WHY HAS MY CREDIT SCORE DECREASED FROM XXXX TO XXXX THAT IS XXXX POINTS AND THIS WAS DONE BECAUSE I HAVE PAID IN FULL AS AGREE MY LAST PAYMENT FOR THIS ACCOUNT WAS ON XX/XX/XXXX NEVER HAD A PROBLEM WITH THE CREDITOR ALL PAYMENTS HAVE BEEN ON TIME, NEVER LATE FOR SOME REASON I AM BEING PENALIZED FOR PAYING AS AGREE THIS IS VERY UNFAIR I SHOULD HAVE HAD AN INCREASE AND NOT A DECREASE PAYING OFF ANY LOAN SHOULD ALWAYS BE A POSITIVE ON MY CREDIT SCORE AND NOT A NEGATIVE CREDIT SCORE I DO NOT UNDERSTAND WHY WAS MY DISPUTE NOT INVESTGATTION AND CLOSED BY TRANSUNION

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 2020-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I tried to buy a puppy from a breeder website ( XXXX ) in the beginning of XXXX, I sent an inquiry to the owner about a specific puppy named 'XXXX ' the breeder asked for half of the money through paypal ( {$490.00} USD- {$640.00} CAD ) up front and the other half when the puppy arrived. The arrival date of the puppy was supposed to be XX/XX/XXXX, however the breeder messaged me the XXXX saying that the puppy required a special crate and I needed to send him another {$1000.00}. When I refused to send the extra money the breeder called me and confronted me about not sending the money, I continued to refuse and asked for a refund. The breeder promised a refund within seven days ( XX/XX/XXXX ) I still have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello CFPB. 

I would like for Chase Card Services provide to both myself and you where are they getting the false allegations in regards to> Balances on accounts are high compares to credit Limits???? 
( I only owe both chase and they were way under the limit prior to the decrease limit ) Total Balances on Revolving accounts are too high???

( how an I have attached proof from XXXX> ALL XXXX BALANCES ) Payment amount above the required minimum on some chase cards is low?? 
( Have chase provide my Payments since day 1, I have paid 2x the minimum required ) Payments on credit card accounts with us are low compared to balances??? 
( With me only paying Chase, I have about $ XXXX in LOC Limits ) Number of credit cards with a balance close to the credit limit??? 
( I have attached my Credit report as proof, have chase show their evidence now ) Total Balances on Revolving Accounts?? 
( I only owe $ XXXX out of $ XXXX LOC, Less then 5 % ) Number of non installment loans compared to the time on file???? 
( I have trades since 1994 paid and paid off like clock work ) Number of inquires in credit bureau report??

( Average 3-4 to the current consumer ratio % )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Attn : XXXX MACY FRAUD / CBR DEPARTMENT XXXX XXXX Content of recently filed complaint with Ohio XXXX XXXX XXXX 

After hours and hours on the phone with citi/ macy/ XXXX  I have submitted formal complaint to the XXXX XXXX XXXX. I have ask that you remove a fraudulent account from my credit report. I have encountered nothing but resistance and unwillingness on the part of Macy and Citi. The account was originally opened in XX/XX/XXXX. I have never had a MACY/OR   BLOOMINGDALE  ACCOUNT. I DID NOT LIVE IN OHIO AND HAVE NEVER LIVED IN OHIO. I have filed disputes with all three credit bureaus and XXXX in our recorded conversation contends it is macy/ citi that continue to report the account as a charge off to my credit. This is negatively impacting my ability to secure a refinance. 

I submitted the following complaint today. XXXX  complaint number XXXX Your complaint has been submitted and assigned the ID XXXX. For your reference, a copy of your complaint appears below. You will receive an email with further information once your complaint is processed by the XXXX 


XXXX data breach XXXX lead to identify theft in XXXX. Someone open a fraudulent XXXX MACY /BLOOMINGDALE ACCOUNT IN MY NAME. I became aware of this when I received a collection call from MACYs. I called macy/ file fraudulent dispute with all three credit bureaus. Macy has stonewalled all attempts to remove this fraudulent account and continues to report the account as a charge off on my credit reports. During the time this account was open I was living and working in the XXXX XXXX and never visited Ohio or gave anyone permission to open this account. Every attempt to have Macy 's remove this FRAUDULENT INFORMATION has been met with passing the buck. One business says call this number who then refers the consumer to another number that either doesn't work or I am told to call a different number. I have proof that I was never in OHIO and could not possibly have perpetrated this fraudulent account. Macy agents will not transfer calls or honor requests to speak to a supervisor or say they will resolve the matter in thirty days. My initial request and notification started in  XX/XX/XXXX. 

I will be forwarding a complaint to the federal government and speaking with legal counsel to determine how I can be made whole given MACY/CITI refusal to correct this fraudulent information and to remove it immediately from my credit reports. 

Respectfully, 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 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
i purchased 3 phone lines for my son and 2 granchildrenfor {$140.00} amonth.start auto pay XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, then i cancelled because not applicable to the children and my son 's phone can not get the right internet connection because his phone is hwawei . also al three phones are ours.come XXXX, they bill me again, i call XXXX XXXX, i said why do you still charge me when i was already cancelled. she said sorry for that, maybe it is just late .so what she did was gave back the XXXX $ to my bank account. and said try to tell your bank to cancell payments .which i did.XXXX comes, i call again why is XXXX XXXX asking for payment again? she answered, sometimes it take time to upload the collection. just disregard .you are ok in my end. nothing to worry. XXXX, i got letter from XXXX XXXX saying final notice and will be sent to debt collector, past due balance of XXXX $ XXXX XXXX received letter from credit company .i call them and connected me to XXXX XXXX and said she can not check what is my balance about she need passcode .go get new pin from the store where you get internet. went to store said go call them. we can not open. XXXX XXXX talk to ariel ask me to go to store again and ask for new pin to peek on account and to talk to him when i am there .XXXX XXXX store people don't like to talk to him at first. said they were able to open but don't see anything wrong with the account. they keep me going back and forth to call XXXX XXXX and go to store. and nothing was done properly. until now credit company is bothering me with the said balance not paid but they can not explain what it is specifically. please help me resolve this matter. we have also sent letters asking for explanation but did not answer at all.

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 2020-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I was told the vehicle that I had technical problems that cause me an accident and which the vehicle should have been totaled. I was charged exorbitant an extremely high interest rates and taken advantage of as a XXXX XXXX  veteran who has had multiple XXXX XXXX  Chrysler Capital Santander I took total advantage of my situation and my lack of knowledge based on the multi-state class action lawsuit to which they repossessed my vehicle these things will pointed out in the class action lawsuit of lightning happen and my situation and they will not remove it from my credit report after contacting them disputing this with the Credit Agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi this is XXXX XXXX, I want to file a complaint to American Express. They submitted a late payment to my account which now my credit dropped 26 points because so. My account ending XXXX was due XX/XX/XXXX. I submitted a payment at XX/XX/XXXX of {$200.00}, it was not my intention to be late, i have available funds to pay. I have a 100 % on time payments and i dont find it fair that my credit dropped massively. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: GA

Complaint narrative:
I was a victim of XXXX and XXXX XXXX which is stated in class-action multi-state lawsuit ask the credit bureaus to delete the account off of my credit report based on the findings and the multi-state class action lawsuit which is stated on page 8 section 11 and they refuse to remove it from my credit report

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 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: GA

Complaint narrative:
I was a victim of XXXX and XXXX XXXX which is stated in class-action multi-state lawsuit ask the credit bureaus to delete the account off of my credit report based on the findings and the multi-state class action lawsuit which is stated on page 8 section 11 and they refuse to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$61.00}, {$0.00}, {$1700.00}, {$780.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a credit limit of {$61.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I thought it was only me but I looked it up on the Internet and many others are having the same problem with TransUnion credit freeze. Either you can freeze it or you can not freeze it, we just get the error screen. We can not get in our account or do anything and when you call them, they will send you around to different departments then tell you they can not fix it. They ask you to buy their service instead. I need my credit unfrozen so I can apply for a new rental. I need to get out of my current rental due to a stalking issue and can not apply for anything that goes thru this company this week.

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 2020-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
This a collection account that showed up on my credit report and i have no idea where it came from, it showed up once on XX/XX/2020 then disputed the collection and they removed it from my credit report, then on XX/XX/XXXX it showed up again and I tried to dispute it with XXXX but they wont remove it, i think its a fraud debit, the amount is XXXX dollars i think for a hospital in Florida, I never went to Florida Please remove it from my records

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 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Each time I try to apply for the Nordstrom store card or Nordstrom VISA Card in this case Application number XXXX and I get a message to call credit. This is my third time applying online and I call only to be declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: WA

Complaint narrative:
Some company called AFNI has been trying to say I owe money for XXXX insurance. Which I dont think the common company known as XXXX is called XXXX insurance. They keep changing the time and debt amount. I have not been in a car accident nor had XXXX even the legit company as my insurance. They are only sending weird mail but hasnt tried to contact me otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have both personal and business accounts in Bank of America. My business account had a fraudulent transaction " possibly caused by this bank 's employee. I get direct deposit to my personal account. Bank of America is " relentlessly harassing '' me to bring Social Security Card to the bank location, otherwise they have threatened to close my personal account. I have provided all the information during opening my both personal and business accounts. I would have closed my personal account, but I can not quickly stop automatic deposit. Bank of America has serious security flaws within its employees, who may have stolen my business debit card info and fraudulently charged in XXXX. Once I switch my automatic deposit, i will close both accounts. This is a terrible bank engaged in harassing 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 explanation
Consumer complaint received 2020-09-24 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: PR

Complaint narrative:
All these inquiries are not authorized or in any way consented by myself. They are a result on ongoing attempts to steal my identity : XXXX XXXX XXXXBank XX/XX/2020 XXXX XXXX XXXXBank XX/XX/2020 XXXX/XXXX/Variety and Other Retail XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXBank XX/XX/2020 XXXX XXXX XXXX/Personal XX/XX/2020 XXXX XXXX XXXX  XXXX ... XXXX XXXX XX/XX/2020 XX/XX/2020

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 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Airline card with {$450.00} fee was canceled in the 30 day renewal window. Agent confirmed on the phone that the fee would be refunded in full within two billing cycles. Multiple calls and chat sessions with Citibank agents who promised fee refund but that has not been the case.

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