vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: IN

Complaint narrative:
Experian and XXXX  have been reporting fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX These are fraud, I didnt benefit, apply for, and authorize these accounts

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 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am a customer of PNC Online Banking and have signed up for XXXX but the The App will not link to my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Westlake Services, LLC
State: MD

Complaint narrative:
I have a loan with XXXX/XXXX  and WESTERN FUNDING INC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX/XXXX and WESTERN FUNDING INC with no successful resolution. There was definitely an error on their part.

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 2020-07-29 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: IN

Complaint narrative:
XXXX and TransUnion have been reporting fraudulent accounts under my name XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX These are fraud, I didnt benefit, apply for, and authorize these accounts

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 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I entered the bank & was racially profiled just because of my cash balance being over a certain amount than the average customer. I have been a Chase customer for years & have not had this poor experience until now. I had a loan that was deposited into my account which had did a credit check under my name and SSN and Chase tells me we need to verify the funds and where this loan came from that I have to pay back under my name ( sole proprietor ) I was approved for it. I was told by the bank teller to provide an XXXX # and my business name. I provided everything they asked for ; went above and beyond. I went into the bank again on XX/XX/XXXX my account is still restricted! I also called the number for the Fraud Dpt that a banker from Chase private client gave me and an XXXX who was very rude on the phone, spoke over me while I was speaking and he hung up on me after waiting over an hour to speak to him said that my tax return is not needed. But the banker XXXX XXXX who assisted me inside the branch asked me for my tax return. I entered the bank again on XX/XX/XXXX and my account is still restricted. With all this run around and waste of my time I just want my bank accounts closed and I will do business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I downloaded the XXXX app. I cant seem to link my account to my bank account. If we could fix this issue so I can get to my check faster please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is a complaint in regard to Equifax verification and customer service. They report that I owed an ambulance bill with XXXX XXXX XXXX XXXX ( XXXX ) through a bill collector XXXX XXXX XXXX ( XXXX ). I have tried to resolve this with XXXX and they state the bill is correct. I have sent Equifax the letter from my insurance company XXXX that they were never billed and XXXX even asked me to ask XXXX to rebill it. According to the Center of XXXX and XXXX balance billing ( when a contracted provider with an insurance company does not submit a claim for services and send the member the total bill this is considered fraud ) XXXX refused and sold it to XXXX. I have sent Equifax a copy of the letter from XXXX ( please see attached ) twice stating that they were never billed and that I as a member shall be held harmless these charges listed on my credit report. I have also talked with Equifax customer service three times about this matter and told that they never received my letter from XXXX. I finally emailed the CEO and got a letter back from Equifax stating the same three ways to go about disputing this. I thought going through their website, I would be able to download the document so they would finally have it. I tried to sign up to create an account in order to upload and dispute it online. However it is telling me there is already and account and can not access it. I am still waiting to talk with someone from upper management to help me resolve this. However, I have been working on this since XX/XX/2020 with Equifax and have yet to have this resolved. The other two Credit reporting agencies removed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AL

Complaint narrative:
The student loans I acquire was with XXXX University which is currently under investigation for illegal student loan practices and funding for students. I have tried many times to get my students loans forgiven because of this and has been not successful. In my attempts to contact the student loan company I have been on hold for hours or the phone would disconnect. Sometime I keep getting switch between operators until the phone would just hang up suddenly. This is very unfair and unprofessional when I'm only trying to info on resolving my student loans and to see if they are eligible to be remove as debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
I have a loan with CXXXX XXXX XXXX XXXX,  ROUNDPOINT MTG, and XXXX/XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, ROUNDPOINT MTG, and XXXX/XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-07-29 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: Scott Fetzer Financial Group Inc.
State: AZ

Complaint narrative:
I have a loan with UNITED CONSUMER FINL S, XXXX/XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, UNITED CONSUMER FINL S,  XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$0.00}, {$8000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my 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 explanation
Consumer complaint received 2020-07-29 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX, XXXX/FXXXX, and RUSHMORE LMS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, and RUSHMORE LMS with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$0.00}, {$8000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems placed 3 collection accounts on my credit report XXXX in to the amount of {$36.00}, XX/XX/2020 in the amount of {$36.00} and on XX/XX/2020 in the amount of XXXX this is not mine debt Credit Systems didn't tell me or disclose that under contract law I don't have to do business with them. I feel that Credit Systems are attempting to extort money out of me at a time when I have been affected by Natural or Declared Disaster ( e.g. Covid 19 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carvana Group, LLC
State: GA

Complaint narrative:
Please review all attached documentation. Carvana never responded to my validation request, and they have violated me as a federally protected consumer. They never notified me of my right to dispute pursuant to 15 USC 1692g, and they never disclosed that this was an attempt to collect a debt pursuant to 15 USC 1692.e ( 11 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MI

Complaint narrative:
I canceled this membership in-person with XXXX XXXX  in XXXX Michigan in Good Faith in XXXX of 2018. I explained to them that I was in the process of buying a Home in the area of XXXX Michigan which was further away where I would no longer be able to attend as member of their club. The membership at the time was only a XXXX Membership and was simply on a Month to Month basis. They agreed at the time to cancel my membership in Good Bargain Faith out of understanding of my situation without any cancellation fees Required in which I was never entitled to pay to begin with because I never signed any Documents or Contract that stated responsibilities to pay any early cancellation fees. However, something took place outside of my knowledge where a balance of {$220.00} is showing only on my XXXX Credit Report from First Credit Services in which apparently someone from the Original Creditor ( XXXX XXXX  ) chose to disregard the cancellation that was discussed in-Person at the club of my membership and sold what was supposed to be " Cancelled Membership Account '' to First Credit Services as a Debt in this amount of {$220.00} in which I truly feel at heart I'm not responsible for paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Copy of email sent to State dpt There is more harassement to the story..Stranded in XXXX due to covid19 XXXX XXXX My card was blocked for trying to buy a XXXX XXXX ticket last XXXX They want a valid state driving licence front and back to unblock Im XXXX, dont drive anymore, old licence expired, besides I am stranded in XXXX due to Covid19 since XXXX.Need the card to buy air fare Do they have the right to refuse my State dpt issued US passport as an ID? 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-07-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello. American Express ( Amex ) charged me for an XXXX transaction that happened in XX/XX/2020. XXXX essentially tried to scam me for services I did not use and I have provided Amex a XXXX page report with evidence. Instead of reviewing the evidence Amex told me regardless of the terms XXXX presents and regardless of if they violate the terms- Amex will side with XXXX or the Merchant. Multiple agents acknowledged this was unfair via chat and said that they can not get involved. I asked them why they claim to look out for customers when they can't push back on XXXX for unfair business practices and got no response. In fact, a XXXX point blank told me merchants are very important to them. 

Originally Amex left my claim open for 2 months and then closed it immediately saying I agreed to terms and conditions when I paid. I responded with - but XXXX tried to price gauge the day of service. Amex made me submit XXXX pages of evidence, did not follow up, told me it's more or less futile due to XXXX 's terms, and barely bothered to read my evidence or stand up for the consumer. If Amex believes that merchants are always right then they need to stop making false claims of any form of protection. They can't even tell me an expected resolution date other than another 2 months - if XXXX decides to respond. 

I was a paying Amex card holder and am disappointed that consumers are being mislead that Amex will protect agains subpar service, in this case harassment and being ignored during resolution with XXXX. 

When I do a XXXX search- it seems many other customers have had the same problems with both American Express and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a loan with BANK OF AMERICA and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, BANK OF AMERICA and XXXX XXXX XXXX  with no successful resolution. There was definitely an error on their part.

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 2020-07-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a loan with XXXX  XXXX XXXX and WELLS FARGO BANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX  XXXX XXXX and WELLS FARGO BANK with no successful resolution. There was definitely an error on their part.

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 2020-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RFNA, LP
State: LA

Complaint narrative:
This company reported incorrect information to the credit bureaus for almost 3 years. Since they have now updated my account to reflect that actual balance at {$0.00} it has negatively affected my credit scores. They need to delete the record from all bureaus due to their error. They caused my credit scores to drop due to their reporting error. I am trying to get a mortgage they have now hindered that process doe to their mistake.

Company response to consumer: Closed with explanation