vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
PayPal Credit keep reporting my account as 90 day delinquent. I paid all my balance by XX/XX/2020 ( {$54.00} ), but it was not delinquent on that time. I got credit alert on XX/XX/2020 from " XXXX  '' credit monitoring bureau about delinquent account of XXXX  dollars. Please help me to remove this company 's error reporting, because it negatively affect my credits.

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 2020-06-15 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report. 

XXXX XXXX {$12000.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$9200.00}

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 2020-06-15 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report. 

USDOE/XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$9200.00}

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 2020-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
In XXXX i contacted Santander about my auto loan account. I have the 1099C form that shows the account was discharged in XXXX. They continued reporting on this account since that time. In XXXX it was showing up on my credit report so i contacted them again and they stated i needed to pay {$750.00} to take care of the account. I now have a 1099C form with the same account number and everything for this as well. I reached out them recently about this as they are double collecting on the same account and they are refusing to refund the {$750.00} that i paid them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are two credit agencies I am reporting. I have tried to solve the matter with Equifax but have not gained a resolution. I have attempted to notifiy XXXX XXXX but haven't received a call back. On XX/XX/XXXX I went to purchase a car at XXXX XXXX in XXXX County ( XXXX, Georgia ). Iwas not able to get proper fiancing. The car was purchased at a high interest rate and then the monthly payments were also way to high for a XXXX vehicle. The information reported from theses two credit agencies is incorrect. # 1. XXXX reported that I had a XXXX creidt score. None of the other agencies have reported this score. The information they provided in the report is also incorrect. 
# 2 Equifax reported that I have several delinquent accounts and when I called to speak with the representative she told me not to worry about it. This was her way of resolving the dispute. I have maintained my credit score over the years and should have been able to walk off that car lot with a brand new car. Based on the information provided by these two agencies I am wondering if this is the reason I was scammed into purchasing a XXXX vehicle for {$21.00}, XXXX. I did not need them to give the car dealer any information that would hinder me from being successul. I check my credit report with Equifax weekly and it is a XXXX credit score. I have no outstanding delinquencies reported with XXXX, Equifax, nor XXXX. How does XXXX have such low score and noe of the rest of these agencies have that score. It is a shame not to be able to get a credit agency to provide accurate information when you have worked so hard to maintain good credit. Car dealers are already waiting to scem you when you walk on that car lot if they don't have the heart of Christ and they're only concerned about making a profit. I made a bad decision in getting the car but I was told my selection all depended on my credit history. Sadly to say, it wasn't reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TrueAccord Corp.
State: VA

Complaint narrative:
XXXX XXXX XXXX sent a collection letter dated XX/XX/2020, postmarked XX/XX/2020, which I received XX/XX/2020 informing me of the debt. They proceeded to report the collection to XXXX  on XX/XX/2020, to XXXX  on XX/XX/2020 and to XXXX  on XX/XX/2020, well before the 30 days violating my FDCPA right to dispute this debt ( which I have requested and have not received anything back ). I'm now sending a new letter requesting they delete this information as I have not received their investigations results and it will be 30 days this week. Additionally, I receive collection emails requests from True Accord via email for the same account, and letters from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I received a credit alert stating I had new delinquency reported by phoenix financial as a new debt and delinquency. The amount was for {$500.00} and was originally opened in XX/XX/XXXX. I didn't know who the company was or what the debt was. I contacted the company and spoke to rep who told me the debt was a medical bill from XXXX. I ask him why they reported the debt as a new debt that was 120 delinquent and he had no answers. The only thing he keep saying was I could pay it and they'd stop reporting it. My understanding is that a debt acquired by an agency couldn't then be " renewed '' as a debt that just recently happened. If they would have reported the debt as originating in XXXX I would have no issue but I feel they are doing this to try to pressure me into paying an old debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
On XX/XX/28 Charles Schwab Bank allowed ( without my authorization ) a transfer from my checking account to a XXXX Checking account in the amount of {$1400.00}. On XX/XX/XXXX i found out this had happened i called them and told them i never requested this transfer and that i need my money put back into my account to pay bills. They denied my request and told me it would be sent to the fraud dept.

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 2020-06-15 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: SIERRA PACIFIC MORTGAGE
State: NY

Complaint narrative:
On XX/XX/XXXX i called up Sierra Pacific Mortgage complaining that they reported me 30 day late on XX/XX/XXXX to all 3 credit reporting agencies, i claimed that i did send out my payments on time and i have proof for that, they responded to me that they also seeing that i send payments, but i should send them my proof trough email to their research department and they will respond to me within 48 hours. 
on XX/XX/XXXX i called them up for an update since they didn't respond to me on time, they response was " we are working on it '' on XX/XX/XXXX i called them again, they response was " we are working on it '' On XX/XX/XXXX i also send them an email again with my bank statements showing my payments. and still they didn't respond to me and they didn't remove the late from my credit report. 

its now more then 30 days and they didn't remove my incorrect late from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I need Chase to send my claims number to XXXX so I can get my money back. Chase won't send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
During this pandemic I was not offer to attached the payments at the end of my loan like all the other companies were during to help during this pandemic. Our county is number three in the state with this outbreak. A lot of people are still unemployed. I owe for this month and last month which is {$750.00}. He said if I don't come up with the money it will be turned over to their legal agent. I can see if there was not a pandemic going but times are hard right. We were order to stay at home shelter for two months from XXXX XXXX XX/XX/2020, order by the mayor and governor.

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 2020-06-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA Response to CFPB XX/XX/XXXX. XXXX XXXX CONFIRMED Total Purchases XX/XX/XXXX {$810.00} Total Merchants Credits {$340.00}. USAA HELD ME LIABLE FOR THE {$470.00} WHY? WHY? see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XXXX XXXX, XXXX {$470.00} ALL UNAUTHORIZED TRANSACTIONS. USAA has NEVER PROVIDED PERMANET FRAUD CREDITS. When I asked usaa where are these permanet credits. See attatched XX/XX/XXXX REVIEW OF YOUR CLAIM USAA CONFIRMS (?? NO FRAUDULENT ACTIVITY??? )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was shocked to find out my store card was closed never have I been treated like this Wells Fargo closed my retail store credit card XXXX XXXX and they didnt even inform me I found out online this is not fair

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 2020-06-15 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: IL

Complaint narrative:
I was engaged in a dispute with XXXX XXXX and XXXX concerning a booking with XXXX XXXX. The disputed charge was resolved by XXXX XXXX XXXX. A refund was issued to XXXX and subsequently XXXX issued a refund to XXXX XXXX to resolve the dispute. My credit reports improperly reflected the situation. The XXXX XXXX charge that I refused to pay was not a legitimate charge by XXXX. I have tried to engage XXXX, XXXX and Equifax and have been unsuccessful or they don't care to reflect the correction this situation requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: IL

Complaint narrative:
This company is saying that I owe them, but they have not sent me any proof like a contract that I signed showing proof that I have an account with them, or that I owe them any money. 

I have repeatedly asked for evidence to support this debt and false reporting, but yet again, ( XXXX XXXX XXXX ) has failed to provide me with a copy of any viable evidence substantiating their claim, that I owe a debt or have any kind of account with them. 

I sent dispute letters dated XX/XX/2020 and XX/XX/2020 to XXXX XXXX XXXX and still have not received any responses or feedback. I do not have a debt with XXXX XXXX XXXX. This is inaccurate reporting on their behalf and fraudulent information. 

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc.
State: FL

Complaint narrative:
On Friday, XX/XX/2020 I made a payment of {$290.00} with my debit card. I asked if my payment would be applied to reflect the account balance back to XXXX before the new statement date. 

The young lady was nice and stated she wasn't sure when it would be. 

My reason for making the payment is to show XXXX balance and not bring my debt ratio up and negatively affect my credit score. 

I logged into my account on Saturday, XX/XX/2020 to make sure balance was XXXX and noticed it still showed a balance of {$290.00}. I call the customer service # to find out why my balance wasn't XXXX. The lady states that if you don't make a payment before XXXX XXXX   central time it won't reflect until Tuesday, XX/XX/2020. 

If that is a policy with the company, then they need to show that when making a payment so customers are aware of that. 

My credit score has dropped 40 points because of that and I am looking to move and my score needs to be in the 600 's. 

I need you to reflect on my current balance of XXXX of my credit report so I can apply with the leasing office asap. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I requested to dispute a transaction from XXXX using my chase blue sapphire credit card for the amount of {$880.00}. Due to the COVID-19 pandemic, I have to cancel my trip, however, I never received this refund. The hotel confirmed me that they have already refunded XXXX, so, there is no legitimate reason for XXXX to not refund my charges. I requested Chase to dispute this transaction, but the initial investigation from Chase revoked my claim. After I submitted another request, providing all the necessary document/record, demonstrating that I have correctly followed the special cancellation policy that XXXX posted during the Covid-19 pandemic, Chase still rejected the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: FL

Complaint narrative:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 

XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX XXXX opened XX/XX/XXXX Acc # XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$3200.00}

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 2020-06-15 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$3200.00}

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 2020-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
XXXX XXXX, continued to send collection notices to me after I requested for them to validate the debt. They didn't follow the correct guidelines for accounts that are disputed, and ignored the request that was submitted back in XXXX. It wasn't until I sent a certified letter that they acted as if they wanted to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Tesla, Inc.
State: VA

Complaint narrative:
XXXX does not allow XXXX to connect the account to make electronic payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation