vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
We took out an equity line of credit with TCF bank in XX/XX/2020. The terms were to pay off an IRS lien and a check was issued for {$57000.00} to our home made out to the IRS to pay off this lien. We received via overnight mail as promised and had an appointment the next day to meet with the IRS as planned. When we arrived at the IRS, the building had closed due to COVID-19. After months of waiting to see if they would re-open we called and the IRS said we would either need to send in the check or pay online. The amount had changed on the lien and was now lower in the collections department. So we contacted TCF bank XX/XX/2020 and asked what our options were to try to move forward. The customer service rep said he spoke to a supervisor that said we should sign the check and write not for purposes intended and overnight back to them. It would take them 3-5 days to reconcile the account and then we could use the card we were issued to pay online. On XX/XX/XXXX we sent via USPS overnight mail and I called on XX/XX/XXXX and confirmed they had received. From that first contact I have been told something different every time I call. I have been told they don't have my check, my check is lost and to be patient. The last conversation has now been over two weeks ago when they said the only resolution they had was to re issue the check back to me again made out to the IRS for the same amount. I agreed to this and they said to allow up to a week for it to be issued and mailed to me. At this point I can't reach anyone and have been on hold for hours. This company merged with another bank and I was not issued any information about an updated loan number or how to pay on my loan. So now, when I call they tell me I should have received a new account and they cant talk to me. Currently I am making payments and have not paid the IRS and have not received my check back. This bank is completely incompetent. I tried on several occasions to escalate this to a supervisor but that seems impossible also. I feel they have absconded with my money. The customer service is the worst I have ever experienced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 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: GA

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX {$170.00} U S DEPT OF EDXXXX XXXX {$2000.00} XXXX XXXX  XXXX XXXX {$46000.00} XXXX   XXXX {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: GA

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possibleXXXX {$170.00} U S DEPT OF EDXXXX XXXX {$2000.00} XXXX XXXX  XXXX XXXX {$46000.00} XXXX/XXXX   XXXX {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: SC

Complaint narrative:
I believe this loan is a predatory loan. When I first got the loan I paid triple the amount of the payment. When I first asked for a breakdown of payments I was denied. I also wanted to pay my payment early I was told if I do that before I get My monthly stamens I would have to make a double payment because it would automatically apply to the principal. I would be considered late then if I didnt make 2 payments. I have been paying this loan for 4 years and I believe it should be paid off but my statement says I still owe a significant amount. Also the interest rate is 9.99 and they take 50 % of the payment each month for interest. I believe this loan has to be looked at if they are doing this to me they are doing this to all customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I was renting an apartment with XXXX apartments in 2015 and had a overdue balance of {$1200.00}. Due to the manager not accepting my full payment to clear the balance, my account was sold to an collection agency for a much higher amount then what i originally owed. From this company 's sending me to collection, this has damaged my credit score and has hurt me tremendously financially. The outcome I would like from this is to have this account removed from my credit. When I've offered to pay the original amount with the collection agency, they did not accept my payment to satisfy my account. instead they put it on my credit with a balance of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited a payroll check in the amount of {$760.00} through US bank mobile app. The first day the bank gives you {$200.00} then after the check clears you get the rest of the money. The next day I got the rest of the funds so I thought the check was good. A few days later that same week I look at my account and had a negative balance of {$710.00}. I called US bank to see what happened and was told the check had a problem so they said take the check into the bank and see if it can be resolved. The manager of the bank said the check was fraudulent. US bank closed my account and they told me I can never open an account with US bank anywhere. I asked can I talk to someone in the fraud department but they said no. Once a check goes fraud then there is nothing I can do. All I did was deposit a minimum wage check with XXXX XXXX XXXX XXXX printed on it I received from my employer. I found out that when my employer opened this account with XXXX XXXX XXXX XXXX it was a new account and had a 24 hour hold on the account. My check came in this hold period so XXXX XXXX XXXX XXXX didn't honor the check. My new employer and me wants to know where is the fraud? My name is now defamed and soon my credit and reputation will suffer. I have a new bank now in XXXX XXXX XXXX XXXX. Before I open this account I told them what happened to me with US bank making me a fraudulent customer. They thank me for my honesty and they open my account. I gave back US Bank the negative balance hoping I could save my account but to no avail. I had a hard time giving the US bank back its {$710.00} but they took it. Then I asked for my {$70.00} in my savings account and then close my account. I had a hard time getting back my {$70.00}. I have been open and upfront with honesty but now I am a fraud. I want my good name back. I also keep thinking if the payroll check was bad then why did US bank give all the funds written on the check the next day? 
Thank you

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 2020-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have been having an on-going dispute with Credit Collection Services for many months now. I have written the credit bureaus about this and have written letters to the collector. They keep sending me bills wihout providing the evidence I requested from them asking what right did they have to collect on these medical debts and to be reporting them on my credit, which is damaging my credit. XXXX XXXX violated my HIPPA rights and they divulged private information about my medical provider and now this third party is divulging and attempting to collect on a debt I never entered into agreement with. I asked them what authority they have to collect in my state, and to show me where I gave XXXX XXXX permission to divulge my private information. After several letters, these people continue to report these debts without having provided proper evidence as requested several times. 
I figured I would make a final attempt to correct this matter with Credit Collection Services by coming to you before I end up hiring a lawyer to represent me in court. I am trying to avoid taking things this far and am hoping for them to remove these debts from my credit or to produce the information I requested asking them to show where they have a right to collect on these debts. 
In my last letter to them I asked them for three things of which they complied with neither. 
1. Provide a breakdown of fees including any colletions costs and medical charges.

2. Provide a copy of my signature with the provider of services to release my medical information to Credit Collection Services 3. Cease and delete any credit bureau reporting until the debt has been validated by me. ( On this one, the File number is on the letter I have attached which is for all of the accounts they have a file number for in which they provided no info FILE number XXXX, yet after my request to cease and delete the accounts which they are reporting and including another bill they keep sending to me, they still continue to send me a bill. This is now considered harrassment. } Notice the date on the most recent bill and compare the date of my letter along with the receipt that they did receive my request. I have further evidence of letters I have written which I have all in file and I am tracking EVERYTHING.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE FOR THESE INQUIRIES TO BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE FOR THESE INQUIRIES TO BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2020-08-28 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: NJ

Complaint narrative:
I purchased a trip and paid in full with XXXX  on XX/XX/XXXX for {$5300.00} for a trip to XXXX using my Chase visa card, which I paid in full when I received my statement. I went on the trip without any problems. However, this was also when the entire country went into lockdown due to the pandemic for Covid-19. XXXX unbeknownst to me also closed down. On XX/XX/XXXX, I was charged on another credit card I left for incidentals at the resort for {$3100.00} with no authorization. I tried unsuccessfully to dispute this charge but was told I need to dispute it with my original credit card. The resort also had closed down 3 days after we left due to the pandemic. I tried unsuccessfully to reach them for weeks. Months later I was able to contact someonet through friends my daughter met at the resort who put me in touch with a manager and I was informed that XXXX had closed operations and had not paid the resort for my trip and that is why they had charged my credit card. I have now paid for this trip twice. XXXX has not delivered the services I paid for and Chase has closed my dispute in their favor without providing any proof whatsoever that they have provided proof of services rendered. 

I would like my credit card charges reversed for these charges in dispute. I have provided the emails from the resort, my original payment, payment in full to Chase, and the second charge to my account from the resort because XXXX  to did not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi bank closed my account around XX/XX/2020. I had checking and saving account with balance over 80k. After I filed previous complaint at CFPB, They sent me only XXXX and refusing to release the rest of the money and refusing to discuss this matter with me. With over 100 calls and no one from Citi is able to tell what is the issue. This is complete abuse of power from the banking industry. There have been zero communication regarding this matter. They restricted my online access so Im not able to see my statement and refuse to mail them to me as well Previouse case # 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 2020-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
I used to have a credit card with XXXX XXXX and I felt ripped off and refused to pay and XXXX XXXX dropped me as a client back in XXXX. In XX/XX/XXXX, Unifund had taken control of the debt and they reached out to me via my old mailing address and a phone call. What they decided to do is to hound and harass and serve my father regarding my debt and try to bring me into court by some money hungry law firm which was a total waste of time. Now they got their money but I am still angry and bringing this matter to you because I feel what they did for their greed during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: AR

Complaint narrative:
My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX, XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$620.00} XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: IL

Complaint narrative:
I SENT DATA X MANY DISPUTE LETTERS ON MY NAME AND ADDRESS, I DONT HAVE A MIDDLE NAME. DATA X SENT ME A COPY OF MY CREDIT REPORT ON XX/XX/2020 WITH NO DATE OF BIRTH, A FRAUDULENT MIDDLE NAME AND ADDRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I supplied NMAC MOTOR ACCEPTANCE CORP. WITH REPORTS AND DETAILED INFO ABOUT MY IDENTIFY FRAUDULENT LOAN OF {$13000.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I BEEN TRYING TO RID THIS FROM MY RECORD MANY TIMES. THEY REFUSE TO TAKE ACTIONS. I FILLED OUT THERE PACKET AND SUPPLIED ALL REPORTS. THEY KEEP SAYING IT'S EITHER IN REVIEW OR SEND IT AGAIN. I'VE BEEN HARRASED CONTINUALLY BY THEM AND THERE 3RD PARTIES. I'M NOT RESPONSIBLE FOR THIS LOAN AND WANT IT OFF MY RECORD. NOW THAT IT'S BEEN OUT OF A CERTAIN TIME FRAME THEY REFUSE TO HELP. I CALLED AGAIN TODAY AND THEY ARE UNABLE TO TAKE ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I have Wells Fargo credit card. 
Payment was due on XX/XX/XXXX for {$16000.00} some change As usual I have submitted payment on XX/XX/XXXX thru Wells Fargo website. The money was transferred to Wells Fargo on XX/XX/XXXX from bank to Wells Fargo as an ACH transfer. 
On XX/XX/XXXX I tried to charge {$2400.00} on credit card which was declined, after calling Wells Fargo they said they have not received money from bank thats why they put a 15 day hold then I called my bank to inquire why the money was not sent to Wells Fargo even though money was taken out of my account they said they did send the money to Wells Fargo thru ACH. 
I called Wells Fargo second time then they tell me they did receive money because of large amount they put a hold on for 15 days, I have reminded them we are not in XXXX or XXXX we are in XXXX I submitted for payment on XXXX and they submitted to my bank XXXX and my bank sent the money on XXXX. They said there is no guarantee it could take up to 30days to have access credit that has been posted to your account. 
I went ACH website it says funds are normally cleared within 3 to 5 days. 
My feeling is because I pay my Cc balance fully every month they are restricting home much I charge because they are not making any money from me using their credit 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 2020-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I went to XXXX XXXX XXXX in XXXX Fl, to Purchase a car for my son, using installment financing. When the dealership went to XXXX for my credit score, the report yielded a XXXX credit score. So I signed up for the XXXX XXXX XXXX and that report shows a XXXX Fico Score for XXXX. Not sure why there was no credit score provided to the dealer but I need this fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX Fl, to Purchase a car for my son, using installment financing. When the dealership went to XXXX for my credit score, the report yielded a XXXX credit score. So I signed up for the XXXX XXXX XXXX and that report shows a XXXX Fico Score for XXXX. Not sure why there was no credit score provided to the dealer but I need this fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation