vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed a bankruptcy that is showing on my reports multiple times. 

All credit bureaus are reporting this false information and not a single one of them has deleted this inaccurate information. 

This is not my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed a bankruptcy that is showing on my reports multiple times. 

All credit bureaus are reporting this false information and not a single one of them has deleted this inaccurate information. 

This is not my bankruptcy.

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 2020-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2020 at around XXXX I applied for a new auto loan through Chrysler Capital and was pre-approved for {$39000.00}. There was a specific vehicle that I applied for which was a requirement for me to get details of the loan. I tried many times to get the details of that loan and was constantly denied ( by getting the " run-around '' ). I called their customer service phone line ( XXXX ), and was told to call the dealership directly and they would in turn call them and get the loan details for me. But when I called two different dealerships they told me a whole different story, TWICE! and never got any details of an auto loan that I applied for. I called Chrysler Capital again and once more I was told to call the dealership. 

So I basically got my credit pulled and was approved for an auto loan without getting any details of the loan. Completely illegal since they are suppose to give me all the details of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed a bankruptcy that is showing on my reports multiple times. 

All credit bureaus are reporting this false information and not a single one of them has deleted this inaccurate information. 

This is not my bankruptcy.

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 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2020 I received a certified check to deposit {$4400.00}. XXXX. TD bank credit my account on XX/XX/2020. 

The person who sent the check requested a XXXX transaction for {$1000.00} and then another transaction for {$1500.00}. 

The bank confirmed the funds was available for use but I realized it was a counterfeit certified check and I notified my bank on XX/XX/2020. The fraud department froze my account and said the funds was pending. But the bank went ahead and sent both of the transactions out even though the second transaction was to be sent on Monday, XX/XX/2020. 

The bank should immediately notify me that the check was counterfeit and why did they make the funds available for me and I called the same day that the funds sent was a scam. The bank still went ahead with the pending transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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:
THE ACCOUNTS AND INQUIRY LISTED DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE AND THEY WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVE THE ACCOUNTS AND INQUIRY OFF MY CREDIT FILE 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 explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I reached out to my mortgage company on XX/XX/XXXX in regards to a missed payment that happened in XXXX of XXXX. I purchased the home in XXXX of XXXX, several months before my wife became terribly XXXX My wife was diagnosed with severe XXXX XXXXXXXX and was XXXX for several months during late XXXX to early XXXX. The doctors had to perform XXXX XXXX just to keep her in a stable condition, this was a serious life or death matter for her. Later when I experienced the XXXX of my wife, I became her sole care provider and became disorganized with respect to making timely payments on Loan No : XXXX. Before my wife 's XXXX, my record was spotless in on-time payments, and since I missed a payment, I have worked diligently to rehabilitate my relationship with the mortgage company and have not missed a payment since then. I have advised the mortgage company of this and have even sent goodwill letters in hopes of forgiveness for this missed payment due to my wife 's XXXX. I have even asked if I could supply documentation that would assist in reaching a positive outcome, I asked if I could furnish my wifes XXXX records, diagnosis paperwork, and aftercare procedures if it was needed.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to Transunion, XXXX, and XXXX and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : Transunion XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to XXXX, Equifax, and XXXX  and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : XXXX  XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX Equifax XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I called Citibank on XX/XX/XXXX due to a problem that I noticed with my statement. I have been paying the balance in full for the past few months, as indicated on the statement, yet they have been accruing interest monthly since XXXX. When I spoke to them on the phone, they did not have a good explanation as to why interest was being charged. It is my impression that when paying a balance on a card, that takes care of any and all fees that are due upon the due date ; however, Citibank said that there is a back log of how the interest is calculated. With that type of math, they will perpetually charge interest. I asked them if there was an amount that I could pay so that the interest charges would go away, and he said he didn't know. This is NOT a way to do business and is fraud. Citibank has been sued twice in XXXX for the way that they calculate interest and lost in both cases - this is deceptive trade and it seems that the only way to make the interest rates go away is to close the 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 monetary relief
Consumer complaint received 2020-10-15 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:
On XX/XX/2020 I contacted all three credit bureaus in regards to false and fraudulent information being reported on my credit reports. 

It is XX/XX/2020 and I have yet to receive a response or see updated information.

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 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
XXXX/EOS CCA We returned the XXXX equipment and requested the service on hold. However XXXX claimed that they did not receive the equipment from us and receive the request for " Hold on service ''. 
Now several years later, EOS CCA has been sending a invoice of {$870.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This complaint concerns Synchrony bank, which manages the Amazon Store Card. On XX/XX/2020, I filed an " Unauthorized charge '' dispute with the bank. I still have not received a resolution. What upsets me is that the bank CONTINUES to send me statements, charging me late payment fees and interest. My online account says that my account is NOW delinquent. I have not yet checked if the bank has been reporting me as " late '' to the credit bureaus. If that has been the case, I would be even more upset! This is outrageous. I contacted XXXX via my online account, informing them ( schooling them! ) that when a customer disputes a charge, they receive something called : PROVISIONAL credit. The disputed amount is temporarily credited, and NO FEES are assessed. Apparently, that's not the case with this bank? Also, I am sick and tired of US banks forcing their US customers to deal with incompetent or poorly trained XXXX agents in foreign countries, usually XXXX. The problem ( and I speak from EXPERIENCE ) is that very often these people do not think! When you send them a SPECIFIC question, they write back with some infuriating " cut and paste '' response. In my case : my complaint has been routed to the Fraud department. Is that department based in XXXX too? Probably. The bank can take as long as it wants to investigate my case. In the meantime, I want the disputed charge AND all fees removed. Furthermore, if the bank has been reporting me as " late '' to credit bureaus, that should be fixed too. 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 non-monetary relief
Consumer complaint received 2020-10-15 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I pulled my credit report and saw an account that I didnt recognize, I contacted Community Bank XXXX an asked that they validate the debt as this is not an account that I opened. They have yet to validate the debt with either an application showing I opened the account with my signature and valid identification. They have only sent old credit card statements which doesn't validate the debt or prove that I open or are responsible for this account. It has been 2 months since XX/XX/2020 that I have opened a fraud dispute and nothing has been done to accurate validate this debt. I am asking that they provide valid verification that this account belongs to be such as an application with my signature or this account needs to be removed from my credit reports. 

The documents attached was what was sent to be to prove that this is my account after I sent a validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: MA

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2020-10-15 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Hello, I was looking over my credit report and noticed a negative reporting from LVNV FUNDING LLC on my credit report for an amount of {$640.00}. The original creditor was named on my credit report as 01 XXXX XXXX XXXX REWARDS and state that it was opened on XX/XX/XXXX ( 5 mos ). This is not my account and if so it was a result of Identity theft. I want for review the original contract with my original blue wet ink signature for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2020, P

ayPal incorrectly closed my personal and business accounts, as well as my wife 's. I am concerned that the closure was both based on false facts and discriminatory banking practices, and perhaps violated my legal rights. No information on the cause of the closure was provided. PayPal is holding my funds hostage for what they described as " up to 180 days '', with no explanation of how this timeline is to unfold. I have offered to provide evidence of all transactions. I have requested a forum to prove the activity as my own, and I explained that I have all accounting records to support the activity. I followed all limits set forth by PayPal in my load and withdrawal activity. I have had no history of negative transactions, charge backs, risky behavior, etc. To date, I have made numerous attempts from within the Paypal account in question to obtain information on how to withdraw any
remaining balances with no success. I have also called numerous times with no success. Per Paypal 's initial email on the above noted date, after the " 180 day hold period '', I would be provided with a follow up and instructions on how to remove my balance. They have failed to do uphold this portion of their own user agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX card is showing that I was 30 days late but that is inaccurate. I was 18 days late and 10 days late the other time both are under 30 days and are being reported inaccurately.

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