vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On or around XX/XX/2020 I applied for a car loan refinance with PenFed Credit Union online. The application was under review and when the term and rate was given to me I declined the loan as they were not better that what I currently have. Additionally I called back to their customer service department and requested that the application would be cancelled. To my surprise the representative said that it was approved and that paper work was sent to my address for signature to which I reply that I didn't accepted the terms and conditions of the loan. The rep told me not to worry that she would cancel the application and that if I don't use the check nothing would happened ( which I haven't used the check ). On XX/XX/2020 I received an email notification that a payment to a car loan was due on XX/XX/XXXX, this came to a surprise to me and called back. The new rep said that I accepted the loan ( which I haven't since the beginning ). I told to cancel the loan and make the corrections on reporting to the credit agencies and to send me notification of cancellation of loan.

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent multiple letters advising of the issues and requesting their method of verification. The last letter sent was certified and was delivered to this credit bureau on XX/XX/XXXX. I have placed multiple calls ( all of which had extremely long wait times ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I placed these calls because I have been transferred to voicemail, the calls have somehow become disconnected after finally reaching someone, or they advised they will enter a dispute only for me to receive the same message advising the creditor advised them the information is accurate. '' This statement means nothing to me when I know the information is not accurate. 

I have spoken with some of their agents who have advised me that the creditor or credit agency just has to advise them the information is correct without furnishing anything. When I further inquire about this, then I am told the credit bureau does not have to tell me how they verified the information at all, as long as the creditor or agency says it is true, it can stay on my report. This is not only untrue, but it is also illegal and unethical. I have invested a lot of time trying to peacefully and expeditiously resolve these issues, however they remain determined to report inaccurate information and refuse to verify or furnish any information justifying their continuous reporting of inaccurate information. It has been almost 2 months since they received the certified letter and I am still fighting to have my information corrected.

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an email this morning stating my direct deposit was rejected. Attempted to access my account and was not able to do so but via the app. Called the number on back of card and was told account is permanently suspended. Tried to speak with an agent was not able to do so, call just disconnected once I was told account is permanently suspended. Received a second email stating account was suspended due to terms that were violated in consumer user agreement but does not state the violation nor does it give any further details. I have funds in the account as well as pending transactions totaling an estimated amount of {$520.00}. I had 4 direct deposits rejected this morning each amount for {$600.00}. The section the reference states it would not close account with funds available but they did just that. Im not sure how to retrieve my funds or who to speak with. I just want all funds returned immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
CD @ Wells Fargo was suppose to close during grace period per call on XX/XX/XXXX to their XXXX XXXX in XXXX SC .... They renewed $ XXXX@ .03 % ... which I feel is fraud! 
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 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I do not need to speak to anyone at this company. I just need them to stop illegally trying to collect on this debt and remove from my credit report. 
This is the 3rd time I'm trying to address this with this company CAINE & WEINER. I keep asking for a document showing MY SIGNATURE that verifies this debt is mine which they have not provided. Their response to me has been printout of documents with policy and automobiles covered. Where is the proof I SIGNED for this so called policy? They have no proof this alleged debt belongs to me. As per FTC opinion letter from Attorney XXXX XXXX XXXX, A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION. 
They have not provided any document to me BEARING MY SIGNATURE ON ANY DOCUMENTATION that verifies or validates this alleged debt is mine. This company keeps ignoring my request for documents with proof of my signature and continues to mention policy printouts etc. Where is the document showing my signature that verifies this account is mine? I have requested this multiple times and they ignore my request and continue to illegally collect on this debt. This stunt by this company is nothing new. I have contacted an attorney and will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: MS

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Contacted Transunion to remove a double inquiry that was made in two consecutive days. They informed me they would not file a dispute on this and to contact creditor who made inquiry. I informed them that I have done that and they still told me to contact the inquirer. Transunion did not allow me to file a dispute on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: GA

Complaint narrative:
An account with XXXX was acquired with my identity ( identity Theft ) which i provided a police report and affidavit. this was done without my consent and charged off. The original complaint was put in last year and after an investigation from the bureaus was removed. upon looking over my report last month it appeared again. this is not correct and will not be tolerated. I thought XXXX was a good company ... very sad that they would want to go against the laws of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A bank account was acquired in my name as I was a victim of identity theft from Navy Federal bank. I sent the proper information to the credit reporting and Bank for investigation. The account was taken off the report and then has reappeared on my consumer credit report hurting me further in these uncertain times. this negative report is stopping me from having a actual relationship with this bank if i choose and stagnating my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: MS

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$420.00}

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 2020-05-20 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: MS

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX  XXXX {$420.00}

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 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Transworld has been leaving voice mails twice a day concerning a debt. I have tried calling phon # back that they specify only to be put on hold forever! This has been happening for several monrhs. I am debt free!! This has to be regarding a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2020-05-20 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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2020-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX we made a purchase with Raymour and Flanigan for {$420.00}. We never received a paper bill in the mail and when we called to pay it they told us it was in collections. We also found that they assessed a {$15.00} late fee and {$9.00} interest. We mailed a check for {$430.00} and were told the late fee was reversed. We recently received an email from TD Bank ( the credit card company ) so we checked the account. We found that they never reversed the {$15.00} late fee, added more interest {$7.00} after the account was paid in full, another late fee, {$1.00} and more interest, {$1.00}. To this date and 3 billing cycles later, we still have never received a paper bill as required under the terms of service. We are not signed up for paperless billing. We spent 45 minutes on the phone with TD Bank on XX/XX/2020 and could not resolve the issue. They refused to address the problem and refused to honor their terms of service. We want this investigated and we want TD Bank to credit the remaining {$24.00} due to XXXX the balance on the account. This error is not caused by us. We paid the bill due and even the interest that was first assessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX and {$72.00} in fees i made a phone call on XX/XX/2020 XXXX eastern on XX/XX/2020 those charges come out of my account. 
at the time of purchase, I had funds available to cover my purchases the bank showed me in my app that I made a purchase and that I had XXXX amount available to spend after purchase. so in my eyes, the bank is holding the money somewhere that I cant see for the merchandiser or vendor to get money, but I don't have to worry about it because the money is gone out my account I don't have to worry about it anymore. not 2 weeks later all purchases showed as pending .. the money was still taking out of my account so that I know what is available. and I had to call before about them freezing my account for me making purchases online .. they would block my card. but the only one I have to worry about fraud is them.. taking my money out of my account twice but on XX/XX/2020 the bank charged my account again with those charges and don't want to give my money back ... .. 

i sent some files of when they tried to recently take money out and when they already did at the time of purchase the only thing i cant prove but which i could've is the balance of my account at the time of purchase .. which will show that they are trying to steal my money

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 2020-05-20 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In regards to my loan for the XXXX XXXX XXXX, I had not made any payments as reported as late. 

XX/XX/XXXX, I was in an accident and this vehicle was totaled. Due to the lengthy process of resolving the insurance and GAP claims to resolve the debt of the vehicle. 

A payment was deferred and was to move my vehicle due date out a point that would allow the debt to be taken care of. 

I was to not have another payment due until XX/XX/XXXX, at which point the GAP claim would have paid off any remaining balance. 

After all of the claims were resolved, there was a remaining balance of XXXX on the account. 

on XX/XX/XXXX insurance paid XXXX of the loan on XX/XX/XXXX GAP insurance paid an additional XXXX I spoke with a collection representative of the company on XX/XX/XXXX, and we created a payment arrangement that was to prevent any payments as being reported late. 

The arrangement was that on XX/XX/XXXX XXXX $ would be drafted, and then any remainder would be drafted XXXX ( the following week ) This payment arrangement was set as I had been financially impacted by COVID-19 at my place of work and had already begun losing hours. 

Both of these payments were made as arranged and this account should not have been reported as delinquent. 

I have also attached my account overview page showing the account is paid off, as it is still reporting as not paid in full as well. 

Thanks,

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 2020-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ordered via email a kitten plus shipping charges via the website XXXX on XX/XX/2020. I emailed to inquire a kitten to the email address provided and they responded with detailed information about the certain kitten. a few emails were exchanged and they even asked a multiple questions to learn how good we can take care of a pet so I really thought that they were pet loving people, not just doing this for money. It convinced me to adopt a kitten from them and when I told them, they asked to pay via XXXX money transfer. The name and the email was different than the website stated but I didn't question much because it's usually not their primary job. I sent the total of {$1400.00} via XXXX to the XXXX XXXX ( email : XXXX ) .The day that the kitten was supposed to come ( XX/XX/2020 ) from XXXX , Oklahoma XXXX LAX where I am, I was given with the tracking number and delivery website. XXXX : XXXX ( tracking number : XXXX ) However, I got a call and email at XXXX PST from the " delivery company '' that the kitten is on hold in Arizona due to needing anti-pressure vaccine, new crate and new insurance and asking {$1600.00} but it would be all refundable once the kitten is delivered. At this point, I got to question and contacted the seller via email and the I copied and pasted what they sent me and he said I should pay because they said it will be refunded.. I called the delivery company where it stated on the website and the email they sent me. The guy had an XXXX accent and sounded like who I was already and asked to pay. I told him I wouldn't be feeling comfortable paying {$1600.00} especially it has to be via XXXX  or XXXX. There was no credit card option. He became rude and hostile. He later declined my request for a refund, and even tried to scam me a further {$500.00}. I have also called my bank and they can not reverse the charge. A quick XXXX search found that this person has been pulling this identical scam under various aliases. XXXX XXXX XXXX

Company response to consumer: Closed with explanation