vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : I began receiving calls from Santander ( they didn't tell me the name of the company then ). The caller told me that I had a debt and that I would be served to appear in court if I didn't make payment arrangements immediately. I told the caller I needed to research the source of the debt. He called back within a week ( same person ) and I told him that I don't owe anything and that they should stop calling me. He kept insisting that I was going to be sued and that the next day a process server would show up at my door. 

XX/XX/XXXX : My brother received a call about my debt, which he forwarded to me. I called them and told the person who answered ( different male ) that I didn't owe on the debt and that they needed to stop calling me. He told me that they'd keep calling until I paid. 

XXXX - XX/XX/XXXX : Received 4 more calls to my cell phone and one to my work number, still insisting that I was going to be served if I didn't pay or agree to settle the debt. I called again and asked them to leave me alone. The woman who answered was rude and kept telling me that I can't avoid this debt. 

XX/XX/XXXX Received this e-mail from Human Resources : Hi XXXX, Our HR Offices have received a message that was requested to be passed on to you. 

XXXX & XXXX XXXX are trying to reach you regarding service of some sort of documentation. They request that you contact them at XXXX and reference case # XXXX. 

This is the only information that they provided us with. 

XX/XX/XXXX I called the number and the man on the phone was horrifically XXXX XXXX XXXX to me. I asked him politely for the name of the company and he refused to tell me at first. I asked for the address to send a letter to stop contacting me and he told me that he wasn't going to give it to me because I wasn't going to be able to avoid paying this. He asked me if asking for the address was the next step on the avoiding my debt checklist. He called me a " XXXX  who owes money '', a " XXXX  '', told me to get a higher paying job, made a point of using the name of my employer, my XXXX XXXX XXXX  name and my home address while insulting me. 

He refused to give me the address for Santander and it was only after I asked several times that he finally told me the name of the company. I reminded him that there are laws about debt collection and he just can't keep contacting me after I've asked him to stop. He kept telling me that they'll continue to contact me until I pay this debt. 

I'm confident that I don't owe them anything. The time limit has long since run out. Regardless, no one has the right to XXXX  me over a debt. I don't want to hear from them again. I'm willing to sue if necessary. 

Please help me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I sent two letters to this company and they have failed to respond. I need them to validate these accounts by supplying everything I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a care taker for my XXXX XXXX XXXX aunt who recently returned home from a nursing home. We hired a full time home care aid who banks with Peoples United. From the very beginning it has been a nightmare! I first tried to wire 1400.00 to her account from our XXXX account ( current XXXX is XXXX ) and it was rejected. so I tried to use XXXX and that was rejected. Peoples bank closed my home aids account and said it was fraud. She had to first find a local branch and reopen another account.. hassel! so I figured I would open an account with Peoples and transfer her pay weekly. the account was opened on XX/XX/XXXX and I deposited enough money to pay her for the month I was told I would be able to send XXXX payment of 1400.00 a week. The first time I tried, I was only able to transfer 500.00 a day, ok fine I sent XXXX payments 500.00 on XX/XX/XXXX 500.00 on XX/XX/XXXX and 400.00 on XX/XX/XXXX did that for XXXX week. this week I tried again 500.00 on XX/XX/XXXX 500.00 on XX/XX/XXXX and THEN the account was closed!!! I call customer service who informed me i was using this account fraudulently and they are not in the business to have customer misuse accounts. I ONLY ONLY opened this account with peoples united to make it a bit easier to pay my home care attended but that backfired! Glad they are closing as I have NEVER in life been treated like this in my life! I will pull all my money out today and tell everyone about this experience!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/2021 XXXX bank purchased my bank XXXX. I had an Experian account, I contacted them to inform them of this transaction. At which point they canceled my " boost '' and lowered my credit score by over 100 points. I have never been able to straighten this matter out with Experian. Nothing on my bank account changed. It's the same information as my XXXX account, but Experian says they can't update my information. I had to purchase XXXX after one of the Experian supervisors had me email my personal information to their customer service department. I have tried for the last four months to resolve this situation with Experian. I worked very hard for two years to get my credit score where it was, to have it lowered due to Experian 's negligence.

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 2022-01-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX I noticed a hard inquiry on my credit report from Chase Bank. I did not authorize this inquiry. I called Chase bank to report the fraud. After sitting on hold for an hour and a half, I spoke with someone who told me the credit card application the inquiry was related to had been flagged for fraud. He said that Chase bank would close the card application, remove the inquiry, and then send me a letter confirming they had done so. Instead, however, Chase sent a letter to my home address but addressed to the person who'd applied for the fraudulent card saying that her request for a " a new Chase sapphire Visa signature account '' was not approved because " This is a duplicate application. '' Then, on XX/XX/XXXX, Chase put a NEW fraudulent hard inquiry on my credit report DESPITE my report of fraud the previous week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: OH

Complaint narrative:
Key bank denied me of insured credits they promised in advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My car loan stopped reporting in XXXX of XXXX after filing bankruptcy chapter XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting XXXX XXXX since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had 3 investigations open with the bank on why its not reporting only after being told its been reporting every month. XXXX XXXX assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted XXXX and TransUnion every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXXXXXX XXXX says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have 3 years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with XXXX XXXX and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My car loan stopped reporting in XXXX of XXXX after filing bankruptcy chapter XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting XXXX XXXX  since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had XXXX investigations open with the bank on why its not reporting only after being told its been reporting every month. XXXX XXXX assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted Experian XXXX XXXXXXXX every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXX federal says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have XXXX years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with XXXX XXXX  and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.

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 2022-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My cousin and I were tragically scammed out of {$500.00} and I dont believe my bank did enough to help resolve the issue. 
On XX/XX/XXXX, unbeknown to me, I conversed with a scammer online to purchase concert tickets. This person was so convincing, providing comforting words and sending proof of their goods that were to be sent to me after payment. Being only 21 and not having any experience in this kind of business transaction, I believed them and agreed to sent payment of {$500.00} for two tickets through the use of XXXX. 
At the time, I did not have enough money in my own personal checking account so my cousin ( who was to be the second ticket owner ) sent me {$500.00} out of her savings to purchase these tickets. Shes only XXXX XXXX XXXX and used her hard earned money to pay for us to attend this concert together. XXXX is the approved payment app through the chase mobile app so I believed that it was safe and that my bank would have my back incase of situations like these. After sending the money, the person proceeded to ignore my messages asking for updates and eventually blocked me altogether. 
I proceed to called the customer service number on XX/XX/XXXX for assistance, panicked and asking for the next steps. The customer service worker was nice and reassuring and told me the bank would file a claim and discuss with XXXX. A week passes by and I called once more for any updates, ending up very disappointed in the lack of action of the bank. I have not called back since due to work and school keeping me very busy and stressed. I keep checking and waiting to hear back from chase themselves about any resolution or updates about the situation with no luck so far. 
The stress of my family member being out of {$500.00} has been so intense, and with my school added on top of that I feel so unwell. Its sad that money can make such an impact on a person but this situation has been so disheartening and just proves that it really does. I understand how I was naive on my part, but also must acknowledge the problem in chase approving XXXX  with the possibility of this issue occurring to any common person. I would not have used that form of transaction if it was not already in the chase mobile app. 
I wish my bank could fight more, possibly getting the money refunded SOMEHOW. I am not angry with chase, Im not submitting this complaint out of hate or frustration. I am just disappointed and out of {$500.00}, and will consider transferring to a new banking company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
On today, Friday XX/XX/2022, I received an ALERT from my, Credit Monitoring Service that my XXXX XXXX had dropped XXXX Points. When I called the phone number associated with this debt that, I know nothing about ( XXXX ) the person who answered the phone, HUNG UP ON ME!!! These people, Ability Recovery Service are a, SCAM. All of a sudden a debt pops up on my Credit Monitoring Service for {$5900.00} that I know nothing about. I have NEVER received anything in the mail from these people. I want this DEBT Removed Immediately!!! I want all of the Documents associated with this Fraudulent debt mailed to me so, I can forward it to my Attorney. Thank You. 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 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I purchased a {$500.00} Vanilla Gift card including a {$5.00} activation fee from a XXXX store on XX/XX/XXXX in XXXX, NC. The gift card was never out of my possession. I went to make a purchase using this card several days later and the purchase was declined. I later checked the balance of the card and discovered that the funds on the card had been hacked by someone that spent the funds at grocery stores, gas stations and XXXX stores in southern California. 

I notified Vanilla Gift of the stolen funds on XX/XX/XXXX by filing a dispute. I spoke with XXXX and was given a case # XXXX. I also provided Vanilla Gift my email address. I have not received any email confirmation of my case details or any details of an investigation into the stolen gift card funds. I am extremely upset that my funds were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
During the pandemic I reached out to Chase regarding my husband and I both losing our jobs. Obviously for months, like everyone else affected by Covid, we were not financially able to pay the minimum payments due. We reached out to Chase and was denied multiple times for deferments and payment arrangements. 

For six months, until we both started working again, Chase continue to report the delinquency to my credit report, affecting me greatly. Since we both started working again, I have since ( and prior to the pandemic ) been in excellent standing with Chase. Unfortunately the six months of negative reporting continues to affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB, I am reaching out in desperate measures to bring to light the way my file is being handled. I have an account listed on my credit report that was NOT me. I have been writing the credit bureaus and the company for the last 4 months or so with no avail. I have explained the problem and also included all necessary documentation such as FTC affidavit and the police report. This is extremely time-consuming and becoming costly with letters and running to the police station. I am writing this complaint to effect immediate change. 

The following accounts are opened fraudulently. I never give consent or authorize these accounts. I only discovered these accounts upon speaking to the mortgage officer. I never receive any collection notices about these accounts. 

XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$620.00} Here are the accounts I have been writing about. I did not open these accounts and I did NOT receive any money or services. I did not sign these applications and I am unfortunately suffering for these accounts being on my credit. I requested both the creditors and the credit bureaus to stop reporting this account. The account is still reporting. My request was pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. The fraudulent information is still on my credit report and I bring this to your attention. Please review why the companies are neglecting to remove this information as it is extremely damaging.

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