vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: QC HOLDINGS INC
State: IL

Complaint narrative:
I took out a {$1400.00} loan with lendnation i had a payment due XX/XX/2021 called the company and they extended the payment to XX/XX/2021 paid the monthly installment of {$530.00} on XX/XX/2021 the next payment was suppose to be due on XX/XX/2021 checked the website and it didn't show a monthly installment it showed ( default ) {$1400.00} called XXXX XXXX in customer service and he communicate that lendnation no longer did business in Illinois and said that the default wasn't going to go away. Didn't quite understand why it was in ( default ) not what was communicate or set up. ( Similar to a previous complaint with the CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX and XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Tennessee department of XXXX XXXX. Continue to collect on a debt. Without proving true ownership of the debt. The company report negative information on my credit report without verifying the debt. The acount was closed on my transunion report. XX/XX/2021. Because the company fails to provide the original oblation with a signature. The acount was removed and deleted from report. But company continues to collect on debt and violate section 609. ( a ) ( 1 ) ( A ). Of the fair reporting act.

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 2021-04-23 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: PR

Complaint narrative:
The following accounts and inquiries have been reported as fraudulent as per police report : The following accounts and inquiries have been reported as identity theft, they have been illegally made under XXXX XXXX name and SS # XXXX : 1.XXXX XXXX XXXX {$3900.00} 2.XXXX  XXXX {$27000.00} Illegal credit file access due to identity theft : 1.XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2021-04-23 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: PR

Complaint narrative:
The following accounts and inquiries have been reported as fraudulent as per police report : The following accounts and inquiries have been reported as identity theft, they have been illegally made under XXXX XXXX name and SS # XXXX : 1.XXXX XXXX XXXX  {$3900.00} 2.XXXX  XXXX {$27000.00} Illegal credit file access due to identity theft : 1.XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: PR

Complaint narrative:
The following accounts and inquiries have been reported as fraudulent as per police report : The following accounts and inquiries have been reported as identity theft, they have been illegally made under XXXX XXXX name and SS # XXXX : 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX {$27000.00} Illegal credit file access due to identity theft : 1.XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am writing about a significant security vulnerability in Wells Fargo 's Mobile Deposit App procedure. After a deposit is completed, I am sent an email confirmation that includes an image of the check that I deposited. The only part of the check that is blanked out is the checking account number on the bottom of the check. 

These emails are not secure. Anyone that hacks into your email account or captures these unencrypted emails on the internet will see names, addresses, images of signatures, potential business account numbers, and the company name or person sending the check. Including check images in emails is a potential major breach of privacy for anyone who sends a check to a Wells Fargo customer that then deposits the check via their mobile app. Other banks confirm mobile deposits by simply including the time, deposit amount, and check number. This approach is much safer and contains enough information for the user to identify the deposit. If more verification is needed, the user can securely log in to their account to see the image. 

I would expect that a major financial institution like Wells Fargo would think about the potential security exposures they are creating when developing new applications. I expect financial institutions to seriously guard my information, including the businesses and individuals I transact with and the nature of those transactions.

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 2021-04-23 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: IL

Complaint narrative:
Information was removed from XXXX and XXXX but still remain on Transunion. 
XXXX - the information is incorrect and inaccurate. 

XXXX was removed from Transunion and XXXX but still remain on XXXX 
XXXX  XXXX - the information is incorrect and inaccurate. 
XXXX - have not done business with this company.

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 2021-04-23 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
XXXX was removed from XXXX  and XXXX  but still remain on XXXX 
XXXX - the information is incorrect and inaccurate. 

XXXX was removed from XXXX  and XXXX  but still remain on XXXX 
XXXX  XXXX - the information is incorrect and inaccurate. 
Bridgecrest - have not done business with this company.

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 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
experian has a scam on my credit report and they have done nothing about it XXXX CREDIT/XXXX Inquiry Date : XX/XX/2021 Phone # : XXXX XXXX XXXX XXXX you cant even call to see what it is a scam. So they don't investegate, then they say please refer to my credit report for the furnisher or public records office name address and phone number. My question is HOW!!!!! With what they have listed CFPB needs to step in. See experian response below In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess.

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 2021-04-23 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: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Ditech Financial LLC is showing a closed account ( charged off in XX/XX/XXXX XXXX on my credit report. I have contact the company on XX/XX/XXXX and they confirmed to me they do not have record of my SSN or name. They told me I do not have an account with them but they could not assist me. I would have to contact the credit bureaus. I have since contacted the Credit Bureaus and it has been taken off my report from all but XXXX This is not my credit information. I was told by a rep at Ditech that they are a sister company of Shellpoint mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
I have contacted Santander Consumer several times regarding my loan. 3-4 times in XX/XX/XXXX and two times in XX/XX/XXXX. 
My loan came to maturity in XX/XX/XXXX. I contacted them to see if I could continue paying my monthly payments or even doubling up each month, so I can get the amount paid off quicker. 
The amount left over, is XXXX. I have been paying on this loan since XXXX. I asked them to look into my account, because I do not understand why the amount is so high. 
the manger I spoke to XXXX, stated that the amount is correct and that is what I owe. 
He said they will not work with me to continue paying by month. They will continue to hit my credit each month until the entire {$6700.00} is paid and it could be in risk of repossession. I have been paying on this loan since XXXX, and now it's at risk for repossession even though I have made my payments on time. 
I think they have made mistakes in my account and I believe I'm being taken advantage of. They will not even work with me. You would think, with eveything going on in the world during this pandemic, they would work with their customers. 
I need a resolution with a payment plan, I am willing to pay every month and even double up on the payments. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
You closed my complaint # XXXX but it has not been corrected by Ally. In fact it has gotten even worse. 

Ally called yesterday with a request for yet another form. They say there paperwork is incorrect. I now believe this is intentional delay as retribution for my complaint.

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 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Since, the opening of bank account with HSBC BANK USA, NA., I was unable to add bill payee OR make bank to bank transfers to my own account I tried to contact XXXX XXXX of HSBC customer relations. She said she is investigating the bug. 

Even after several emails, she has chosen not to reply to my emails. 

It is irresponsible breach of trust from a big bank like HSBC. 

My account is unusable. 

I made several complaints with the following ticket IDs. 

XXXX is the ticket number dated XXXX XXXX, 2021 - NO RESPONSE YET ID:XXXX is a ticket dated XXXX XXXX, 2021 - NO RESPONSE YET

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: GA

Complaint narrative:
I get a call almost every hour of the day. And was told my credit score will go down if I do not pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have an XXXX XXXX XXXX XXXX XXXX that is offered by Barclays US. There is a {$99.00} annual fee that has been presented to me in writing as a fee that supports Barclays ability to offer the benefits the card provides. Those benefits are clearly published in Barclays ' marketing materials and almost all of them involve air travel ; therefore the cardholder 's ability to utilize said benefits is predicated on the ability to travel. Due to the Covid-19 pandemic air travel was not feasible over the last year and other banks that provide airline credit cards either waived or reduced the annual fee. A good example of this is XXXX XXXX other credit card partner, XXXX, which did reduce the annual fee. Barclays has refused to do so and thus is collecting a fee for a benefit it knows can not be exploited. This feels fraudulent at best.

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 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX PLEASE REFER TO THIS COMPLAINT FILED XXXX. 

TD Bank had given me provisional credit for unauthorized ATM charges {$260.00}, but hen reversed it on XX/XX/XXXX, XXXX i had filed a police complaint about the hacked bank account but TDbank has refused to help me. Even thought the proof of purchase given by merchant XXXX shows someone in XXXX has hacked my account. 
Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a capital one credit card on my file the amount of the card is {$680.00} open on XX/XX/2019. I spoke to capital one about this card and explained that it was not mine. They told per their investigation it is mine. I asked them to send me proof and they denied doing so. They would not escalate the call. Absolutely no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My credit score doesnt reflect true score

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 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
At the time that the credit card was open, I was XXXX I was XXXX from XX/XX/XXXX until XX/XX/XXXX. The credit card was opened on XX/XX/XXXX. The charges occurred between the dates of XX/XX/XXXX to XX/XX/XXXX. Therefore, the card was not opened or used by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion not reporting rent history that they do for others when requested fair housing act FCRA violations see attachments for proof of history

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 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My credit score doesnt reflect true score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My credit score doesnt reflect true score

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 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX not reporting rent history that they do for others when requested fair housing act FCRA violations see attachments for proof of history

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 2021-04-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SN SERVICING CORPORATION
State: MI

Complaint narrative:
I received a letter from XXXX XXXX XXXX SN Servicing Corporation, my mortgage company, dated XX/XX/21 with a demand for payment. The paperwork states that I have 30 days to dispute the debt. Instead of giving me 30 days to dispute the debt, I received a letter dated XX/XX/21 stating that they were beginning the foreclosure on my home and the sale is scheduled for XX/XX/21. They are proceeding on the foreclosure even though there is a foreclosure moratorium until XX/XX/21. I have also not been provided contact information or the ability to try to work out mortgage forbearance options.

Company response to consumer: Closed with explanation