vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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: Nelnet, Inc.
State: TN

Complaint narrative:
Due to the cares act, government mandated that all school loans be put on deferment. This was done without my approval. When doing so account was reported as such which DIRECTLY caused my credit to dump over 60 points with XXXX and over 20 points with XXXX. I was unable to get a reading from XXXX. I have contacted Great Lakes after spending two entire days they finally took my account off deferment and reported such. However, I never could get through to XXXX to repair the credit issue. I was on hold for 3 hours 48 minutes and 36 seconds with this company. I also disputed online however was unable to get into the account after registering through their system. When I tried to contact them I was disconnected three times. All of this is documented on my phone and I have screen shots that prove the decline of credit due to the educational loan deferment. There is no denying by XXXX or XXXX that the credit decline was due to the report. I have PAID ONE YEAR IN ADVANCE ON THIS LOAN. I have auto payments and ALWAYS pay on time. This is clearly noted yet they decided to dump my credit by 60 and 20 points. My complaint is with the Government and these reporting companies. How can the government mandate such and then CAUSE harm to citizens? I would like this fixed. This has also harmed my chances of getting an EIDL as I am XXXX XXXX  and have been under extreme hardship due to COVID. This is so unjust and unethical. I believe that this is in violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting interest that is occurring on a CLOSED account as late or missed payments. You can not miss payments on a closed account and balance increases due to interest are NOT new or missed payments. Its is severely affecting credit score. My open accounts have exceptional payment history. I have disputed these accounts and Experian says the information is accurate. My report is inaccurate and has information that does not align. Its says the account is paid and closed yet I'm missing payments on it every month. The debt is also 7 years and 2 months old. The report says paid and closed, so how can I have missed payments on a closed, paid account? Experian refuses to remove this account or to stop reporting late payments. I believe they are violating the FCRA by continuing to report these interest increases on this closed account as new missed payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CNG HOLDINGS INC
State: VA

Complaint narrative:
In XX/XX/XXXX I went to the XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX VA ( XXXX ) to purchase a new dishwasher. While checking out, the store employee told me that I could purchase the dishwasher either outright ( which I had intended to do when I went to pick up the item ), or I could make biweekly payments with no interest for the same cost - they would just deduct {$42.00} every two weeks from my bank account. I decided to try the payments since there would be no difference in the cost. 

Fast forward to XX/XX/XXXX - a company called TEMPOE has been taking {$42.00} from my bank account every two weeks beginning on XX/XX/XXXX. Thus I have now paid {$770.00} for a {$450.00} dishwasher that I was perfectly capable of purchasing outright at the time of my purchase, but was grossly misinformed about what I was signing up for. 

On XX/XX/XXXX, I called TEMPOE at ( XXXX XXXX XXXX XXXX per the last charge on my account to ask what these charges were for. They informed me that I had signed up for a lease of this item I intended to purchase outright. When I told them that I never signed a lease for an item - I was told I was just making normal payments for the cash amount - they told me that they could close out the lease. But I paid over {$300.00} more for the item than I was told at first, AND I NEVER RECEIVED ANY DISCLOSURES OR AGREEMENT FOR A LEASE. After explaining this, the TEMPOE employee noted that they had emailed it to an email address that was not mine - confirming that no terms were ever disclosed. 

The TEMPOE employee has put in a request to refund {$300.00} to me, but was very clear that there is a good chance they will not approve the refund. I am filing this complaint because I sincerely believe that the money is owed back to me due to the fact that I was not informed that I was signing up for a lease but instead was told I was buying something same as cash, just making payments instead - and that no lease agreement or disclosure of any terms were provided to me. I am also questioning the integrity of this service based on what I have gone through. 

I have attached a history of all of the payments made to this company since my intended purchase ( and unintended lease ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX has marked my XXXX 's account as " closed at issuers request, '' the phrase usually reserved when an issuer re-evaluated a consumers qualifications and downgrades or revokes credit line. In this case, XXXX simply went bankrupt. I should not be impacted negatively because of the issuers financial failures. I have attempted to have this negTive statement removed from my report via all dispute processes available to me. I have been unsuccessful. Please advise & assist. Thank you for existing. Banks f corporate interests are out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have been trying to get some assistance from Loan Care and they will not return my call. I wrote them a letter on XX/XX/2020 regarding my XX/XX/XXXX mortgage payment. Funds in the amount of {$2500.00} left my bank account on XX/XX/2020 and they never applied them to my mortgage balance. When I discovered this I made an additional payment over the phone for {$2500.00} on XX/XX/2020 because they said if I did not I would be reported as delinquent to the credit bureau 's. 

I received a letter back from them on XX/XX/XXXX through this website still insisting they did not receive my payment and requesting proof of payment from XXXX ( my bank ). The letter was signed by XXXX XXXX at XXXX ext XXXX. I left him 2 voicemails asking if he would please provide an email address so I could email him the proof of payment from XXXX. I have not heard back and I just don't know what to do at this point. I would like my additional mortgage payment returned to me. 

Any assistance you could provide in this matter would be appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX was forced to close pursuant to an Executive Order of the Governor of the State of Michigan in XXXX. On XX/XX/20 we notified Chase Bank ( issuer of a business Visa credit card ) that we were being forced to close and that we did not know how long this closure would last. 

During the closure, we did not receive mail service to our location. 

We have now been allowed to re-open and are reviewing all bills that have now been delivered. We have statements from Chase for the Visa credit card that show interest charges that accrued during the time of the closure. 

I called Chase today ( XX/XX/20 ) and asked that these interest charges be waived, as we did not have accounting staff allowed in our office during the shutdown and no way to pay them. They stated that they are only waiving late fees and are not waiving interest charges. 

As we were unable to pay bills during this government-mandated shutdown, we don't feel we are responsible for these interest charges and would ask for assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Closed my account recently. I owed {$25.00} for early closure fee and was not told about that from beginning. PNC seemed like nice online bank from start, till I noticed closure fee. I was trying them out. Thought it as no big deal to just close my account. 

Staff at XXXX branch were friendly and helpful as was manager. Just don't like that the bank has to be closed during pandemic as my current bank has their lobby open even though there's a window between customers and staff. A lot of these types of banks like PNC can improve by removing fees for closure, offer free ATM reimbursement. That would make it a better choice bank. I get free ATM reimbursements with my current bank ; ), thus a better choice bank and staff knows me well. Never had any closure fees. Staff at my current bank go the extra mile for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
unauthorized inquiries reported 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So recently me and my husband were looking for house for rent .We are new to Arizona we didn't know they were so many scammers on any abs .I don't know why XXXX gives you the option to request your money back when people are scamming us we didn't know it wasn't true until I have some show up to my home where I supposedly I paid rent XXXX  and I got scammed i have paper where supposedly I was never true that house never belong to them we got kickit and lost all that money I wish there was a way they can help please anybody .its not right. I have emails where he said me the lease to house messages .I really wish some can help we are XXXX XXXX XXXX XXXX And then the scammer still has the the courage to texts me laughing. So we tried to request are money back and they keep declined it .I 'm so stressed out i have no where to go .it sad how people can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CA

Complaint narrative:
I am filing this complaint against Equifax and in conjunction with existing complaint XXXX # : XXXX ) against XXXX. Now my Equifax score has dramatically dropped credit score from XXXX to XXXX within this past week. I created an account with Equifax, filed some basic information disputes and was able to finally connect with a representative. The Equifax representative could not confirm this score drop in their system and when I asked him what activity do you show in the last two weeks, he said also that their system could not provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CITIBANK, N.A.
State: NC

Complaint narrative:
In the last month my credit was pulled so that I could get a mortgage to purchase a home. I have been a homeowner since XX/XX/XXXX. Upon this credit pull it was discovered that there is a closed account/charged off account on my credit through CBNA/Citibank/Best Buy. 
Apparently I am an " authorized user '' on this account and it is literally impacting my ability to sell and buy a home. 

1. My credit can not be being affected on a card that I am only an authorized user on.

2. This is being illegally reported to XXXX and XXXX.

3. I do not believe the card owner even added me as a user and I certainly didn't sign anything.

3. I spent from XXXX yesterday, XX/XX/XXXX ON HOLD with Citibank/Best Buy. I never talked to anyone that could help me. I just waited. 
4. The account is under the name of XXXX XXXX XXXX ( my husband though we are legally separated ). He is aware of the situation, confirmed I was not an authorized user, and has tried as well to contact CBNA with no luck.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened both checking and savings accounts with Fifth Third bank. When I tried to close them, transferring the funds to two external banks, I was charged a XXXX dollar fee for transferring the funds to one of them. When I called the bank and asked for an explanation, I was told I was notified of the fee. I had not been. When I asked why I was only charged the fee on one transfer, they told me that was my fault but refused to explain why or how the fees are determined. When I asked to have the rest of the funds transferred, they refused. They, instead, mailed an illegible and crookedly photocopied form. I mailed it and wait for the funds to be delivered via check. 

My parents each opened and then subsequently closed accounts with Fifth Third bank. Upon attempting to close the accounts, they faced more trouble than I have. XXXX XXXX only allows ACH of {$2000.00} per transaction, now, and charges XXXX dollars per transfer. 

When I asked to speak to someone in the bank about " Unfair and Deceptive Practices '' since they refused to send or point me to their schedule of fees, have repeatedly given contradictory answers regarding the process to close the accounts and get our money, etc., I was told they don't have a department to handle that type of complaint but that a manager would call me back. It's now been a week with no call. 

I feel they lie to get new accounts, lie about their fees, and then delay people when they attempt to take their money back and close their accounts. 

Please investigate as I'm sure my parents and I aren't the only victims of repeated {$3.00} fees with no consistent explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Under the Millitary Lending Act and formerly the Service Credit Civil Relief Act American Express promises no annual fees for their cards. However, recently ( as of XXXX XX/XX/2020 ) they have not been honoring this promise for those who do not qualify for SCRA, instead, they make excuses that you were not identified as military when you applied for the card which I tried to do by entering my SSN and identifying my occupation as military. Then, proceeded to provide them with the documents and they still do not approve me. This is a problem many Servicemembers have been having recently : XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  has marked my XXXX 's account as " closed at issuers request, '' the phrase usually reserved when an issuer re-evaluated a consumers qualifications and downgrades or revokes credit line. In this case, XXXX simply went bankrupt. I should not be impacted negatively because of the issuers financial failures. I have attempted to have this negTive statement removed from my report via all dispute processes available to me. I have been unsuccessful. Please advise & assist. Thank you for existing. Banks f corporate interests are out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  has marked my XXXX 's account as " closed at issuers request, '' the phrase usually reserved when an issuer re-evaluated a consumers qualifications and downgrades or revokes credit line. In this case, XXXX simply went bankrupt. I should not be impacted negatively because of the issuers financial failures. I have attempted to have this negTive statement removed from my report via all dispute processes available to me. I have been unsuccessful. Please advise & assist. Thank you for existing. Banks f corporate interests are out of control.

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