vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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: NJ

Complaint narrative:
I sent a dispute with the reporting agencies in regards to inaccurate and unverifiable information reporting on my credit reports. I never received any notifications regarding to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/XXXX and the 30 day Letter To Comply was sent on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
due to covid i obtain my credit report and noticed inquiries i did not authorize please remove them from my 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 2020-07-20 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: NJ

Complaint narrative:
I sent a dispute with the reporting agencies in regards to inaccurate and unverifiable information reporting on my credit reports. I never received any notifications regarding to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/XXXX and the 30 day Letter To Comply was sent on XX/XX/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 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had detected fraud charge on my 360 capital one debit card. As Im not XXXX speaker, first I replace my debit card, then file dispute via mail service. After couple weeks I got a credit for dispute transaction, then after less than a week, I got email - no error was found. I was in shock because I dont have previous debit card on my hand. Terrible bank with worse service and worse protection!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ygrene Energy Fund Inc.
State: CA

Complaint narrative:
Ygrene is a authorized lender for the PACE program in California. I believe that my wife and I are victims of predatory lending from Ygrene. We are trying to pay off this loan but have been notified by Ygrene that our pay off is more then our original lien amount. I believe that Ygrene solicited us knowing we were people with poor financial literacy. Ygrene did not provide a clear breakdown of all fees. Ygrene is, and has added excessive and/or unnecessary fees. Ygrene is charging a high prepayment penalty that was not properly disclosed. It seems to me that Ygrene is requiring a balloon payment to close the loan. Ygrene, in my opinion, is the very definition of a predatory lender. 

Estimated payoff amount as of XX/XX/XXXX {>= $1,000,000}. Original Lien Amount {$19000.00} on XX/XX/XXXX. Estimated principal balance as of XX/XX/XXXX {$16000.00}. Estimated amount paid to Ygrene as of XX/XX/XXXX {$8000.00}. 

I have spoken to Ygrene about these issues but Ygrene will not back off the fees of {$2100.00} estimated current your tax assessment ( almost 2X what it normally would be if we just continued making payments ), {$500.00} estimated prepayment premium, and {$160.00} estimated payoff processing fee. The loan started with excessive fees my wife and I were unaware of like {$50.00} application fee, {$250.00} processing & underwriting fee, {$250.00} recording & disbursement fee, {$100.00} jurisdiction cost recovery fee, {$180.00} title & escrow fee, {$50.00} energy audit fee, and a {$500.00} origination fee. There is a class action law suit against Ygrene, and I have notified my AG of the alleged predatory lending. Documents are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I never seen a contract or documents

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 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
I had a emergency room bill from XXXX XXXX XXXX in XXXX XXXX GA for a visit to the emergency room XXXX XXXX   weekend 2014. The bill was paid in full in the fall of 2014. I have not received any notifications of any unpaid bills from the hospital.Now 6 years later I have {$350.00} bill that is with Nation Wide Recovery group. This is a scam. I want it investigated!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sun loan company has closed my account in 2015 and continues to charge interest charges to my account and report to credit agencies. I have spoken to manager Mr. XXXX at Sun loan location XXXX at XXXX XXXX XXXX Texas without a concrete explanation as to continued charges for interest and late payments if account has been placed on collections. Manager was non English speaking and was very rude about dispute. I am being charged fraudulent fees and account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: AZ

Complaint narrative:
I have disputed a creditor three times with Experian. They are reporting me as having an account which is incorrect while my correct account is on my report. This incorrect account is not mine and Experian keeps updating it as a negative account. They have refused and failed to verify or validate within the guidelines of FCRA for over 45 days and keeps reporting immediately after I dispute. This incorrect possible fraud account is XXXX account XXXX and the correct account is US dept of Ed 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 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: OR

Complaint narrative:
The name of the company is Harris and Harris and they call multiple times daily and I have told them I do not owe any debt to them or anyone else yet they continue to harass me. Please help me in stopping them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: IN

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2020-07-20 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have held different credits cards from chase at different times and always paid my debt in full. In XXXX, I requested for my account to be closed and paid off my balance on the last account I held with Chase. 
In XXXX, I discovered that a negative report was placed on my credit score. I disputed this with XXXX  and called Chase to find out why  there was a negative report on my account. I got a run around from, purchasing some items while in Carlifonia in XXXX of XXXX or XX/XX/XXXX. I denied ever stepping foot in Carlifonia or making any purchases with a chase card credit card in over 2 years. This charge was ascribed to the different cards I had used and closed. I pointed this out to the representative and even him the last chase credit card number I held. I requested for a copy of the statement showing what was charged in my account as I had closed all my chase cards, but Chase declined to give me a copy of the statement. 
It is for this reason that I am making a complaint against Chase for the wrongful negative report as there was a charge after I paid up my account. I do not owe Chase Credit any amount and wish the negative report lifted from my account as it is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: FL

Complaint narrative:
XXXX XXXX XXXX company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.

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 2020-07-20 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: CA

Complaint narrative:
XXXX XXXX  XXXX had asked me a couple of times to update my profile with them which I always did. I was later informed that my SSN is already being used by another of the bank 's customer in a different state. I provided the bank with my SSN card, XXXX XXXX, and a government issued ID for update purpose. However, I was made to understand that the other customer using my SSN had opened a credit card account with my SSN which led to the reason of my filing a report last year on this platform. I contacted the Social Security office to make a complain and I was advised to file a report with the local police dept. which I did. I also contacted the three bureaus. On contacting Equifax, Equifax confirmed that the information I provided did not match the one in their records and asked me for more documents for further identity verification which I did. Last year ( 2019 ), Equifax sent me a mail stating that my SSN belongs to a deceased person after faxing my documents to them for the umpteenth time. Equifax is NOT helping to fix the problem. Equifax has declined dissociating XXXX XXXX XXXX from my SSN. Equifax has declined identifying me with my full and correct legal name after all requested verification documents have been faxed to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX, I filed this compliant : " Hi, On XX/XX/XXXX, Suntrust bank locked my personal checking account. On that same day, I went in to a branch to inquire about why my account was locked. They would not give me a reason other than Suntrust was choosing not to do business with me anymore, and that I would receive a refund check for the account balance within 7 to 10 business days. The account balance at the time of lock/closure was {$150000.00}. 10 business days came and went and I did not get a refund check. I called suntrust and was now being told that they intended to hold my money for an un-determined amount of time. They would not tell me why they are holding my money, or when they would release my money. I offered to give them any information they needed for the activity in my account, ( invoices for ach payments, transfers, etc ) they would not accept any of this information. I have periodically called suntrust every few months and each time I get the same info that my account refund is " on hold '' with no determined release date. To date, they have sent me no written communication explaining or acknowledging that they have held my money. The only information I have received from them is over telephone calls I have initiated. IT HAS BEEN 11 MONTHS!!!! and they still have not returned my money. At this point I feel as though they have stolen my money, and I am considering hiring a lawyer to fight them. Please help! '' Today, I received a response from the company that I have attached to this complaint. They say that my checking account is currently involved in arbitration, and as a result they are unable to respond. ( please see attachment ) I have also attached the full arbitration filing for your review. You will see that it DOES NOT involve my checking account in any way, shape, or form. The arbitration filing is solely related to a Suntrust Credit card account. 

Secondly, even if my checking account was involved in arbitration with Suntrust, that does not prevent them from responding to my complaint. That is merely an excuse they are using to not have to answer for why they have held my money for 12 months now! 

Furthermore, that excuse is an outright, fraudulent lie as my checking account is not involved in the arbitration. Someone must hold them accountable.

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 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent Equifax their download form, a letter, all documents they requested and then some specifically telling them to PERMANENTLY lift a freeze I had. They then refused demanding the exact same things I sent them. I am trying to buy a car because I was in an accident and they are preventing me from going to buy a car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
They have contacted my job multiple times telling my boss he was a debt collector. He called again and asked for the address of our building and asked me ( I was the one who answered ) personal questions about myself not knowing it was me. I told him per my boss, I could not provide any information and he got mad and said he would get the information from her and hung up. Also might add I am not the company 's employee that he is calling and harassing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
SunTrust Bank closed my bank account a year ago but would not return the {$2900.00} I had in there. They said they had to hold it for a year INCASE someone came back on the funds. It's been a year. Nobody came back on the funds so I'd like my money refunded to me! They are giving me a big run around! First they wanted me to go to a local branch. That was impossible! There are NO local branches in Ohio! The closest branch is in TN some 380 miles away. I can not drive that because I turned XXXX today and I am XXXX an can NOT drive that far! So they said send a notorized letter with my Driver 's  license on the letter to any branch! I've done that! But then they said I had to have the the person who made the last deposit ask for it n they could give it to me! That too is impossible because I no longer associate with that person an have no idea how to find them! I am fed up with all these rediculus requests! I just want my money back!! It's been over a year now! This is a checking account Thank you, 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 2020-07-20 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: IN

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2020-07-20 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: IN

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Last XXXX I went on vacation to XXXX and we went to a time share they said they needed to charge my card a certain amount of money in order to process the time share. They told us once we reviewed the material and if we were not satisfied we could cancel at any time. It was a lot of material they gave us and we did not get around reviewing everything until sometime in XXXX / XXXX of 2020. When we reviewed the material we found out that the time share did not work the way it was explained and we were not happy about it. We tried cancelling and they told us it was too late to cancel. They lied to us. Also we found out the whole transaction was based on bad information we were told that the transaction would not go thru if one of us wasnt working and at the time my husband was unemployed and they still put the transaction thru. We were stuck with the credit card bill and with the time share also. we reached out to the credit card and made a dispute but they responded that we were liable for the charges. We have not been able to use the time share and the credit card transaction was for part of the time share. The credit card is with Barclay/RCI the credit card company already sent it to a collections agency with XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX creditor shows barclays bank delaware account number ending in XXXX regarding RCI Elite Rewards Master Card the amount due is {$4100.00}

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 2020-07-20 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
XXXX says that they have refunded {$540.00} for the product that got stolen or missing, but Credit card service provider Apple Credit Card, Goldman Sach says that they have never received payment from XXXX and keep telling me that I should work with them and I '' m stuck in the in between these two companies zero some game. XXXX promised me to give me a call back within 48 hours and it has been 3 days and still not even single call so far. Please have a look at the attached screenshot

Company response to consumer: Closed with explanation