vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a call from the number XXXX XXXX XXXX XXXX and the caller posed themselves as Chase bank collection department. They claimed I haven't paid an outstanding balance amount of {$120.00} for my Amazon account. I know I have none and contacted Amazon who confirmed my clear of debt status. I called that number back and told them I had no arrears.. They said I owe that amount of money to which I replied I would contact fraud investigation services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
There is a derogatory account on my credit file. It is definitely not mine. I have no knowledge how it got in to my credit report. I submitted a dispute with the credit bureaus and the collection agency specified that someone made a few payments on the account and then stopped. For sure those payments were not made by me. I even asked them to show me proof of the payments made but they told me that they do not have any record of the payments made on the account. I contacted the original creditor to inquire about the account and they in turn told me that they do not have any information on the said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
This involves BBVA credit card. I paid {$870.00} to pay the balance in full on XX/XX/XXXX. I then received a leftover interest fee of {$22.00} which I promptly paid with check # XXXX on XX/XX/XXXX. 
I received another statement balance on XX/XX/XXXX for {$1.00}, so I called to ask what this was. All the rep could answer was for interest. and couldnt give any further explanation. I asked that since it was a small fee and I had previously attempted to pay it and the interest, could it be waived. They refused, so I asked for a supervisor. The supervisor said I couldnt pay the {$1.00} because he didnt know how much I owed since it was 7 days into the billing cycle. So I asked to close the account. I confirmed that since I couldnt pay this {$1.00} on the phone, that that should be the only remaining amount I would pay once I got the bill in the mail. He answered no because there would be more interesting accruing ( and this is in spite of the account being closed ), and told me that I should put an extra {$1.00} in just to be sure. I didnt like this resolution, but since I didnt want this to be a continuing charge, I paid {$2.00} by check and immediately sent it to them. I feel that this is very deceitful and dishonest way of doing business and this is why I am reporting it, and I also did not want this to go on an endless cycle or go on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Someone used my information to apply for a Barclays credit card. I called Barclays and gave them my info and they told me no record was found. But according to my XXXX credit report there was an hard inquiry placed XX/XX/XXXX from Barclays Bank. I for fact did not apply for any type of credit around or before or after especially from Barclays company. Then a week or so later I get a piece of mail stating that  there was a hard inquiry placed but no further proof showing I applied.

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 2020-08-18 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: Kentucky Higher Education Assistance Authority
State: KY

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that Kentucky Higher Education Student Loan Corporation ( KHELSC )  has verified that the account they are reporting under my name is accurate. I have recently been informed that there is negative information reported by your company in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have failed to post payments and other credits, charges that list the wrong dates and Metro 2. These are false allegations and I challenge the accuracy, compliance and reportability of this listing. I do not consent to e-oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have recently obtained a copy of my XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609,  physical signature. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

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 2020-08-18 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have recently obtained a copy of my XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609,  physical signature. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CA

Complaint narrative:
After checking my credit report I have found numerous inaccuracies and violations. I have contacted TransUnion multiple times to correct these errors but to no avail, as they seem not to be conducting a proper investigation. I have sent certified letters on XX/XX/XXXX & XX/XX/XXXX all of which have not been able to correct these errors. Below are the account & numerous inaccuracies along with violations ( FCRA, FDCPA ). 

XXXX - Date of Last Activity is incorrect, High Credit inaccurate, Showing a Past Due {$640.00} on a Charge Off account. 

XXXX - High Credit incorrect, Showing a Past Due {$55.00} on a listed Collection/Charge Off account, Date of Last Activity inaccurate, Date of Last Payment is incorrect. 

XXXX XXXX - Showing a Past Due {$180.00} on a Collection/Charge Off account, Date of Last Activity is incorrect XXXX XXXX XXXX - Date of Last Activity is reporting inaccurate ( account has been re-aged ) VIOLATION. 

Inquiries NOT authorized XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -  XX/XX/XXXX Its my understanding that Transunion is solely responsible to conduct a proper investigation and report accurate information or it must be removed.

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 2020-08-18 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I purchased a program through a company in XXXX named XXXX XXXX. The deal was that they would charge me {$500.00} per month starting XX/XX/2020. This company was not able to provide me their program as they took down my email incorrectly. I was told I would have 7-days to review the program. Since this company could not provide me the program the day I accepted, I tried going through 2 XXXX accounts I was supposed to figure from the company. I asked for a refund within 7 days after trying to figure this system out. I mailed Citibank several times with a detailed letter explaining the whole problem. CITIBANK HAS BLOWN ME OFF AND DISMISSED MY REQUEST FOR THE REFUND! I am looking for the 2 payments of {$500.00} as a credit along with the interest incurred. 

Please help me, Citibank won't help me out. 

Thank you in advance.

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 2020-08-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: NY

Complaint narrative:
Im becoming increasingly concerned with the servicing provided by MOHELA for my loan originated with XXXX. In XXXX they raised my variable interest loan up to 7.18 % from 3.55 % the previous month. I notified them of the error and it was corrected down to 2.98 %. I didnt want to make a big stink about it going up 4-5 % for a few days so I let that go after it was fixed. 

Then in XXXX I applied for an economic hardship ( XX/XX/20 ) forbearance as a result of medical bills I received. They sent me the form via e-mail & instructed me to return it via my dual authenticated account online. After I completed the form and uploaded it as instructed, they denied the claim without cause communicated to me. I reached out & they indicated said without an actual signature they couldnt approve it. I asked them for alternatives because I dont have a printer and didnt think it made much sense for me to go to XXXX to pay for printing in the midst of a pandemic and while applying for an economic hardship forbearance. Further, working for a financial institution myself, I know theyve had months to figure out alternatives to solve for this exact situation so that customers dont have to leave their houses or interact with strangers in the midst of a pandemic. 

Despite their lack of assistance, I was able to have my fianc print the form I needed to sign & uploaded it with the requested signature a few days later. It was submitted prior to my due date & I received notification of the forbearance being approved on XX/XX/20 the same way i became aware of the denial previously. 

Despite the approval, they still took the money from my account. I called them and told them I needed the money & wouldnt be able to buy groceries unless it was returned. They told me they would process the refund immediately. A week went by, and my checking account was still over drafted because of the payment they took. I called back and they told me they actually HAD NOT processed the refund the week before, and would process it that day. At that point I reached out to my bank to file a dispute because the loan was in forbearance when they withdrew the money and i wanted the overdraft fees refunded also. MOHELA botched the refund, and have now the set my principle balance higher than its been since XXXX despite the fact that Ive been making interest payments all along. I should not have to pay interest on the same principle balance more than once as a result of their mistake. Ive asked multiple times for the balance to be returned to the amount quoted in the forbearance agreement. 

Im concerned that their servicing contract with the federal government has made XXXX customers less of a priority for MOHELA, and operational errors like this are more likely to occur moving forward with any additional volume.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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:
After checking my credit report I have found numerous inaccuracies and violations. I have contacted Equifax multiple times to correct these errors but to no avail, as they seem not to be conducting a proper investigation. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX all of which have not been able to correct these errors. Below are the account & numerous inaccuracies along with violations ( FCRA, FDCPA ). 

XXXX - Date of Last Activity is incorrect, High Credit inaccurate, Showing a Past Due on a Charge Off account. 

XXXX - High Credit incorrect, Showing a Past Due {$55.00} on a listed Collection/Charge Off account, Date of Last Activity inaccurate, Date of Last Payment is incorrect, Payment History is inaccurately reporting. 

XXXX XXXX - Showing a Past Due {$180.00} on a Collection/Charge Off account, Date of Last Activity is incorrect, Payment History is reporting inconsistently. 

unauthorized inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Its my understanding each item on my credit report should be reporting 100 % accurate. The FCRA states its the SOLE responsibility of Equifax to conduct a proper investigation and the validity of each item or it must be removed. Equifax refuses to remove the above adverse accounts for inaccuracies they are falsely reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
have recently obtained a copy of my XXXX  credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609, physical signature. Please have this inquiry removed from my credit  report because it is affecting my loan applications and making it very difficult for me to acquire credit.

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 2020-08-18 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: U.S. BANCORP
State: TX

Complaint narrative:
Unauthorized credit inquiry that I did not do. I called company more than 3 times and sent two letters and still no help.

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 2020-08-18 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: VA

Complaint narrative:
I have submitted documentation to show I am the one filing this complaint ( SSN and Drivers licence is included ) and I want you to look at the files since you did not do that before. I recently sent letters over 60 days ago to this bureau or theses bureaus and they are disregarding a regular consumer disputes. I'm stressed out and have been sending letters to have theses issues resolved before this and still no response. This is stopping me from pursuing my future for me and my kids. I have attached a document as well to show what Items I am disputing.

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 2020-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
My name is XXXX XXXX. In XXXX XXXX, I went to XXXX XXXX in XXXX XXXX to obtain a vehicle. Everything was going great. I was told that financing was obtained and everythng was a go! So a little more than 2 weeks later, I had recieved a call from the sales professional who had delivered the car to me regarding that they had to unwind the deal due to financing was not obtained. I then at that time expressed that it was over the 10 business day time frame and that per Federal Regulations, financing had to be obtaned and I did not have to return the vehicle. Then I thought about it and I did not want the drama in my life. At the time I was in California visiting my family. When I returned back to Vegas, I went to the dealership the next day and returned the vehicle. I returned the vehicle in the same condition I drove it off in. When it came time to discuss returning my down payment, a bald gentleman stated that since they had to provide insurace, I had to pay XXXX. I tried to dispute the claim but in the end, U was returned XXXX approx. So I went home and did my research and found out that they were comitting auto fraud. I had been trying for almost 2 yrs to get my XXXX back. I have been very unsuccessful in doing this. The sales men at XXXX XXXX have verbally expressed to me that they dont owe me anything due to the fact that I signed a contract. I have tried to explain to them that the Federal rules and regulations superseed the contract that was signed. I had been going throught this for almost 2 yrs now. Today XX/XX/XXXX, I have been here at XXXX XXXX since XXXX this morning, watching them do spot deliverys all day and comitting fraud like its not illegal. I have been yo-yo 'd around all day. The XXXX told me that he would pay me my XXXX today. Well here it is XXXX XXXX  and I still an sitting here waiting for him to pay me and still i have nothing. I am so in need of your help. I am a single mother and grandmother and can not afford to loose this money. It seems like they are doing nothing but stringing me along and hoping that I will give up. Well they are in for a huge fight, I have read and studied the Federal rules and regulations regarding this type of situation. I know in my hearts of hearts that I am 100 % within my rights and that my rights are being violated by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent a certified letter to the credit bureau to prove that the information was correct. It is not correct nor did they send me the actual proof

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 2020-08-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2020 I was scammed on a Best Buy Website when trying to access the Geek Squad service. The scammers bypassed the actual chat box using their own in its place. The scammer logged into my computer with fake Best Buy credentials and then claimed there was a problem that need to be fixed. He asked me to order some items using my Best Buy card. At that point I was starting to realize that I was being scammed, however, this person had access to my computer so I did as he asked so as not to alert him that I was suspicious. He was supposed to contact me the next day, and I assume was going to threaten to destroy my computer if I did not provide the gift card information. After that call I contacted the credit card company cancelled my account since I was not sure this person had the card info. A fraud specialist contacted me and when I asked her what to do with the gift cards when I received them she told me to destroy them which I did. Now the credit card company is denying my claim saying that I benefited from the transaction. While I did receive the cards, they were destroyed based on information received from their representative. Therefore I do not feel that I should be responsible for the {$400.00} in charges.

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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I contacted my current mortgage servicer Mr. Cooper in XX/XX/2020 about obtaining a forbearance due to Covid-19. I was granted that Forbearance and later found out Mr. Cooper reported me 30 days late in XXXX and XXXX. I have tried resolving the issue directly with them to no avail. This has significantly impacted my credit ability to borrower. I need your assistance getting these late payments reversed. I paid my mortgage current and have never been late on a payment in my life.

Company response to consumer: Closed with explanation