vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: FL

Complaint narrative:
SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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:
SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern ; I sent a dispute letter to the company Equifax on XX/XX/XXXX regarding inaccurate and unverified public record on my credit report ( bankruptcy ) I asked Equifax to investigate for me and give me the method of how they verified the account. Not only have I not heard from them at all about this account but they have not conducted the investigation within a timely manner within the 30 day period. Please have them delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Bank I tried to contact Chase Several times, and there appears to be no one working and it is impossible to reached anyone. The waiting times by the computer recording message state waits of eight minutes, however what happens is that after the time elapses the phone disconnects. 

Furthermore, Chase in doing so is also not honoring disputed transactions and in doing so is violating terms of service. 
I am demanding a refund on a disputed transaction, and there is no one available to service the dispute which has been reported on line and no temporary credit as stated is taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: U.S. BANCORP
State: TX

Complaint narrative:
This is a card supplied by Texas Workforce Commission. TWC ( I believe ) has added assets to the card already. I received the card, attempted to create a new account for online access. https : //www.usbankreliacard.com/ site says my account has been locked and I must call the number provided. I did call the number, was on hold over an hour, agent answered, call disconnected. I called back, on hold over an hour again, gave up. I called US Bank directly, was told they offer no support for the Reliacard that my only recourse is through the Reliacard division.

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 2020-06-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian will not allow online access to online release of a credit freeze without paying them {$14.00} a month for premium plan. Their available phone numbers listed on my account will not transfer to a live representative nor do they provide a email address I am able to release and reinstate freeze at the other agencies online. 
I BELIEVE THIS TO BE A FORM OF PREDIATORY BUSINESS PRACTICE. 
IN AN EFFORT TO OBTAIN REVENUE. .They were the one that had me set up the free membership which appears to be for sole purpose to email spam and solicitation of premium membership. 
When you finally get through their automated phone menu they want you to send them your SSN, copy of driver 's license, utility bills, address and Birth date in an envelope address to them. Everything that could possibly be use to steal an identity clearly marked to a credit agency.

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello! To whom it is concerned, I sent a dispute letter related to all recent inquiries that were inaccurate on my credit report to Equifax and they have not yet responded to me of any results are verified the information for me. I know for a fact that these inquiries are not accurate. Not only have they not responded to me within the 30 day window, but has not verified the information at all. Please have them to remove these hared inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We used the third party company XXXX in XXXX to book our vacation package in the amount of {$2600.00}. On XX/XX/XXXX I was notified by the company via email that the company without our knowledge or even a warning cancelled our vacation. These services were not rendered. XXXX closed their company and website completely, stated they were not completing any refunds and we would have to take the issue up with our bank to recieve money back. This company completely closed without providing prepaid services. I have all documents showing my vacation was cancelled, the company even showing they refunded my account. I did not receive refund, I did not recieve any services that I had paid for. After THREE failed attempts to dispute with my bank i am frustrated. Santanderrefuses to file my dispute properly This is a completely accurate dispute and is very cut and dry and they have offered no assistance

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 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Applied for secured Business credit card and getting the run around about the process

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 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I can not link my bank account to mobile apps that I already have accounts with. ( XXXX, XXXX, and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This issue just happened today, XX/XX/XXXX. My account has stated on digit that it will not connect with digit and its services for some reason. I am trying to connect with it and it wont connect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : 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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX Company Inquiries : 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 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I use XXXX to collect rent from tenants on a monthly basis. PNC Bank no longer works with XXXX and I am not able to collect my rent, and income. There was no written notice of cancellation or policy change prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I received a letter from an office for collection addressed as XXXX XXXX XXXX XXXX. The letter was dated as XXXX XX/XX/2020. I sent a letter to the office of collection disputing the validity of the debt on or about XXXX XX/XX/2020. On or about XXXX XX/XX/2020, I received another letter from a different office for collection addressed as XXXX for the same debt that was addressed in the collection letter from XXXX XXXX. The second letter was dated as XXXX XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I HAVE A CREDIT CARD BALANCE WITH BANK OF AMERICA AT TWO DIFFERENT INTEREST RATES EACH MONTH I PAY OVER THE MINIMUM DUE PAYMENT. I THOUGHT THAT THE AMOUNT OVER THE MINIMUM WAS SUPPOSED TO GO TO THE BALANCE WITH THE HIGH INTEREST RATE. THIS DOESN'T SEEM TO BE HAPPENING WITH THIS ACCOUNT THE BALANCE WITH THE HIGHER INTEREST RATE CONTINUES TO INCREASE WHAT WAS THE XXXX CARD BILL?

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 2020-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Hello, Infiniti financial is one of the most chaotic and most unprofessional financial services company Ive ever did business with. Unfair business practices and no regards for the customer. 

I had applied for Covid-19 program for assistance in XXXX. It was approved rather quick and back then everything was fine. They never fully and clearly communicated to me that to apply for an extension there is a 30 day waiting period. 

This means that when I applied I was technically already delinquent in their system. Multiple rounds of calls and I find out the extension wasnt even filled to begin with. Now Im 40 something days past due in their system. Not because I dont want to pay but because they messed up and they will not stop the clock on me. They keep it running. 

XX/XX/XXXX I finally get confirmation its filled but needs to wait 30 days. By this time Im already 30 days past due. Meaning by the time they apply anything ( if they do ) Ill be 60 days or more past due. 

Escalated to management who still have no empathy or compassion for their customers. Super hard to get a hold of them. And they resolve nothing. They wont call you back and when you try to call them back or course they are never available. 

So where does this leave me. In a space where Ive fallen behind and cant ever catch up because they will not help and continue to fully enforce policy 1000 % strong. 

I did everything required of me. I agreed to terms and conditions I asked for it and they messed up and kept lying to my face saying its filled when it wasnt. I filled out a second agreement. 

I was harassed multiple times by them and for what? Asking for assistance? 

So now I have a state consumer protection compliant against them. I have a XXXX   compliant against them. Im filing this compliant against them and will keep pushing relentlessly back at them for unfair hostile treatment of a consumer just looking for help. 

They do not honor their assistance programs. And they pull fast trickery over your eyes to make sure they put you in the worst place possible. This is unprofessional unethical and could very well be illegal. If it gets to the points these complaints go unanswered I will file a law suit as my last resort. And I wont stop until Infiniti financial stops these XXXX business practices and actually help their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been a cardholder for about 10 years now with Capital One and I'm on an automatic monthly payment withdrawal and have never been late on my payments. I have two credit cards with them in good standing. I recently received a copy of my credit report and noticed that CapitalOne reported from XXXX, XXXX, XXXX, and XXXX of four late payments with XXXX, three with XXXX  and three lates with XXXX. I tried to reach out to Capitolone to get clarification and no response. I am filing a complaint with you CFPB because i ran out of options and this reporting is putting a financial burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Open Account Balances are reported from TRANS UNION as of today XX/XX/2020. 

TRANS UNION SHOWS THE FOLLOWING BALANCE AS OF XXXX. 

Trans Union Balance Actual/Correct Balance 1. XXXX Credit Card {$6000.00} {$4900.00} 2. XXXX XXXX {$3800.00} {$3800.00} 3. XXXX  XXXX -Visa {$460.00} {$360.00} 4. XXXX  XXXX -M/C {$5200.00} {$2800.00}

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