vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 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: GA

Complaint narrative:
This unverified account of sources receivable account number XXXX is reporting inaccurately. On XXXX  is reporting account status as open, on my Equifax it is reporting as closed and on XXXX  is reporting as closed. also there's a past due balance being reported on XXXX  for {$920.00} but on XXXX  and Equifax there is not a past due balance be reported. I have disputed this account several times and they yet fail to show me proof of verification or remove this account because of inaccuracies and neither company showed me their method of investigation to support their claim that this account was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: GA

Complaint narrative:
This unverified account of sources receivable account number XXXX is reporting inaccurately. On XXXX  is reporting account status as open, on my XXXX  it is reporting as closed and on Experian is reporting as closed. also there's a past due balance being reported on Experian for {$920.00} but on XXXX  and XXXX  there is not a past due balance be reported. I have disputed this account several times and they yet fail to show me proof of verification or remove this account because of inaccuracies and neither company showed me their method of investigation to support their claim that this account was verified

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 2020-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Back in XX/XX/2020, I was approach to do a job as a XXXX XXXX. I check out the website and look legal. The company said that they would put money in my account so that I can purchase products they ask me to do during the task. On XX/XX/2020 Capital One credit my account {$3300.00}. With the money in my account and company said that no sales taxes will be charged. I went ahead and did the task on XX/XX/2020 which was to purchase {$3000.00} worth of Gift cards. Part of the task was to take picture of the gift cards and text them to the XXXX  company. We did the task as require of the company per their request. On XX/XX/2020 we found out that the gift cards were XXXX out and also Capital One took back the {$3300.00}. We did the task base upon Capital One deposit of XX/XX/2020. If there was a problem with the deposit they should have not deposit the funds in my account on XX/XX/2020.I talked with Capital One and keep being told they would call me back. I just received an statement saying we owe Capital One for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed XXXX XXXX  account number XXXX XXX in XXXX and XX/XX/2020 with XXXX   and Transunion credit reporting agency to verify that this account belongs to me and I also requested their method of Investigation. I also sent a request for validation letters to the collection agency and received no response from them. Transunion and XXXX  dispute results stated that this account has been verified but how is this possible when I received nothing from the collection agency with my signature verify that this account belongs to me and how is credit reporting agencies Transunion and XXXX  had received anything from this collection agency showing proof of verification I have not received anything. I would like these credit reporting agencies to do a complete investigation

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 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I HAD 2 CREDIT CARDS WITH CAPITAL ONE AND HAVE PAID IN FULL AND KEPT CHARGING FEES AND STILL REPORTING ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: FL

Complaint narrative:
I recently examined my credit report and I realized that there are some accounts that are reporting on my credit file that are incorrect. These false accounts are not mine and I have no information on these accounts. I have no idea how someone could have access to my credit report and now due to this, I have no opportunity to acquire new credit. Please perform a reinvestigation into this matter and have these derogatory accounts taken off from my credit file

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 2020-03-12 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:
i disputed some inquires with equifax i contacted them and was told to send in a dispute document stating that the inquiries does not belong to me. I send in certify and notarized documents. for the following inquiries XXXX/XXXX  XXXX, XXXX XXXX  XXXX, XXXX/XXXX XXXX, XXXX  XXXX/XXXX  XXXX, XXXX XXXX/XXXX  XXXX, XXXX XXXX/XXXX  XXXX. I also contacted the creditor they have no record of my SSI, Name are DOB in there system/data base. I need Equifax to remove this inaccurate information reporting false information remove from my credit report immediately. Im also a victim of identity fraud with all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: GA

Complaint narrative:
I disputed XXXX XXXX  account number XXXX XXX in XXXX and XX/XX/2020 with Experian and XXXX  credit reporting agency to verify that this account belongs to me and I also requested their method of Investigation. I also sent a request for validation letters to the collection agency and received no response from them. XXXX  and Experian dispute results stated that this account has been verified but how is this possible when I received nothing from the collection agency with my signature verify that this account belongs to me and how is credit reporting agencies XXXX  and Experian had received anything from this collection agency showing proof of verification I have not received anything. I would like these credit reporting agencies to do a complete investigation

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 2020-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Hello, CFPB. My name is XXXX XXXX and I am writing desperately to request your help. I dont know what else to do. I hope to have a fair resolution of this issue that General Motors Financial has caused on my credit score. 

I tried to solve this problem with them and they stated that they are reporting the account accurately and they will not move a finger to solve what they have caused. 

The account I am talking about is the following : GM Financial account XXXX, opened date XX/XX/2016. Highest balance {$19000.00}. 

GM Financial has committed multiple violations under the Free Credit Reporting Act and the California Credit Reporting Act : - Inconsistently reporting across bureaus : different number of late payments in XXXX  and XXXX. 
- Reporting false and erroneous information. - Moving the late payments dates from one mo
nth to another.

Please send the attached documents to GM Financial.

Thank you so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, there was a charge for {$2400.00} debited on my account. I called chase to file a claim and they gave me a credit for my money back. A week and half or so later, I get another charge, this time for {$3000.00}, same merchant. {$5400.00} in less than 2 weeks or so. I called chase to file a claim again, but they denied the charge for {$3000.00} claiming they found " no evidence of fraud ''. I am 100 % positive that if I were the one using {$3000.00} of my money on something, I would be aware of it. Just today, they reversed the claim for {$2400.00} citing there was " no evidence of fraud ''. As a bank you really can not do that and just XXXX your customers over ... .thats why people change banks. I called customer support and they were of no help really ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AE

Complaint narrative:
I have a property in XXXX, GA, managed through a management agency. The property management informed me in XX/XX/XXXX that the tenant had told them that the HVAC was not functioning. I worked with the property management to replace the HVAC unit by XX/XX/XXXX. In XX/XX/XXXX, my property had new property management, with the new management still having access to records from the old management. 

In XX/XX/XXXX and XX/XX/XXXX, I received several unresolved collection letters from I.C. Systems, Inc., about a past-due bill for {$560.00} for work that XXXX  ( HVAC company ) had supposedly performed at my property.

I reached out to the new property manager to inquire about the letter and the charges. The property management investigated the note and informed the HVAC company claimed to have performed work that was not approved by me. The property management showed me the statement from the old property management, indicating the actual HVAC work that I accepted and paid for out of my reserve funds from the management company. 

The property management informed me that the HVAC company did neither go through my old property management, the maintenance that worked with the property management ( XXXX XXXX ), or me to get this work done. They are charging me for a job that I did not request and did not approve, and I do not see a work order in the property management system matching the one on my bill. Unfortunately, I'm not sure of how I should go about disputing this collection, and it is a charge that I am not responsible for paying. 

I reached out to XXXX to find a resolution to the matter, but I was informed the bill had already been solved to the collection agency.

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 2020-03-12 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: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XX/XX/2019 I received notice my score dropped due to a missed payment. I went into my XXXX  app to check what happened. I discovered a loan that is not mine from Sun Trust Bank. I contacted the bank who basically told me I was being dishonest and the loan was mine. 
I filed an identity theft report and disputed the information. XXXX  just did the same thing the bank did and stated its my loan. 
I did not take out this loan and never received any money from this loan. This is not my loan and I believe I am the victim of identity theft.

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 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
BEING A VICTIM OF AN IDENTITY THEFT, I HAVE TRIED NUMEROUS TIMES TO REACH OUT TO DISCOVER AND ALSO TO THE CREDIT REPORTING BUREAUS, AND MY REQUESTS ARE BEING IGNORED TIME AFTER TIME. WHAT ELSE I CAN DO TO PROVE THAT I AM VICITM THAT THE CARD AND THE CHARGES ARE FRAUDULENT AND NOT MINE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT. I NEVER USED THIS CARD AND NEVER REQUESTED THIS CARD. I NEED THE DISCOVER CARD TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. XXXX  AND XXXX  NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just recently looked over my credit report and I detected some accounts that do not belong to me but are being reported on my credit file. I have no knowledge of any of these derogatory accounts. I also have no understanding of how someone or who would have access to my credit. Now because of this, there is no possibility of me obtaining any new credit. Please perform a re-investigation into this problem and have those derogatory accounts deleted from my credit file.

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 2020-03-12 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:
NUMEROUS TIMES I HAVE REACHED OUT TO EXPERIAN AND TO XXXX  IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT XXXX SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM 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 2020-03-12 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: WI

Complaint narrative:
In XX/XX/2019 I received notice my score dropped due to a missed payment. I went into my XXXX  app to check what happened. I discovered a loan that is not mine from XXXX XXXX XXXX. I contacted the bank who basically told me I was being dishonest and the loan was mine. 
I filed an identity theft report and disputed the information. XXXX  just did the same thing the bank did and stated its my loan. 
I did not take out this loan and never received any money from this loan. This is not my loan and I believe I am the victim of identity theft.

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 2020-03-12 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: WI

Complaint narrative:
In XX/XX/2019 I received notice my score dropped due to a missed payment. I went into my XXXX  app to check what happened. I discovered a loan that is not mine from XXXX XXXX XXXX. I contacted the bank who basically told me I was being dishonest and the loan was mine. 
I filed an identity theft report and disputed the information. XXXX  just did the same thing the bank did and stated its my loan. 
I did not take out this loan and never received any money from this loan. This is not my loan and I believe I am the victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I refinanced my house. I signed up for an automated EFT payment unknowingly, cancelled it, and never received my refund. 

In researching this, it was discovered that my bank account was also debited a high amount for someone else 's mortgage. The bank accidentally key-punched my banking information for an EFT withdrawal for another mortgage that wasn't mine. It took a dozen phone calls to customer service including supervisors to resolve this. I was told i would get the money back immediately and it took 7 business days. My bank account was wiped out due to a mistake by PNC bank. Not one time did anyone call me to say it was resolved or was being resolved. I had to follow up daily and tell my same story repeatedly to each customer service rep. The supervisor who promised to take care of the situation gave me her direct line, but never answered or returned my phone calls. The mistake of someone's mortgage was resolved, but i called today and still have EFT 's set up even though i was told they were cancelled 3 times and no one can see where a refund check was sent to me. I was promised it was mailed on XX/XX/20. This is the worst customer service situation i have ever encountered and shame on PNC Bank for taking unauthorized money from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America repeatedly refused to take my payment for my credit card. They said they were entirely unable to resolve the problem ; I spent many hours trying to solve it with them over more than a month, speaking to countless representatives and managers. 
The only resolution was closing my card, which had a strongly negative impact on my credit, as my oldest line of credit. This was very unfair.

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 2020-03-12 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: DISCOVER BANK
State: CA

Complaint narrative:
NUMEROUS TIMES I HAVE REACHED OUT TO XXXX  AND TO XXXX  IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT DISCOVER SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
NUMEROUS TIMES I HAVE REACHED OUT TO XXXX  AND TO EQUIFAX IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT XXXX SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA compass bank closed the account. I have an account with compass bank and they closed with no explanation. I went to the branch and the branch manager as well as I never got an answer from the back office why the account was blocked. We spoke with the security department. Every one keeps passing it over to the next person. XXXX XXXX the manager would never take the call. XXXX XXXX kept lying and passing the ball off and XXXX XXXX put the block on but would never give a reason why there was a block. I spent 2 hours at the branch. The branch was real nice. They couldn't get any answers as well.

Company response to consumer: Closed with explanation