vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My debit card was declined today XX/XX/19 for a {$5.00} purchase. I tried running this transaction with my pin number as a debt and also as a credit, both were declined. The problem was not with funds so I called the customer care number to try to figure out why this happened. When speaking to the representative her first response to why this may have happened was that she saw a flagged transaction on the prior Sunday XX/XX/19, but she was going to investigate more. She put me on hold to do so and when returning her answer was that she was unsure why my account was locked but that she had unlocked it. I appreciated her unlocking it, but it did not alleviate my concerns : 1. If a transaction was flagged on my account why was I not notified? She said that the particular transaction was ran and declined and then ran again with my pin which is untrue for it is a restaurant I frequent and they have never required a pin for a transaction. 2. If my account was flagged for suspect of fraud on XX/XX/19, why could I make transactions up until XX/XX/19 with and without using my pin? I love knowing that there are processes put in place in case an account is compromised, but with a delay like that there could have been massive damage occurred to my account. 3. How can this be prevented in the future? I would like to know that I have access to my funds and if something would happen I would like to know that I would be notified right away.

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 2019-08-15 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had my last car payment to make on Chase auto finance car loan before loan was paid off- I made payment but was not aware that there was additional XXXX fees that were due also, so the loan showed late paid because there was XXXX dollars outstanding. I paid it soon as I was aware of it. 
This was my last payment - the loan is now paid off- Chase Auto says they can not change the 'late ' payment or remove. Please help it made my score suffer over 40 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I opened a paypal account back in early XXXX to purchase and retrieve goods online. However, somewhere down the line that paypal account turned into a SYNCB/PAYPAL Credit Card account without my knowledge until I received a credit card in the mail that stated paypal. Long story short all of my transactions appeared to be not coming out of my bank account attached to my paypal account anymore nut towards this card. For a few years I just paid the card account off until one day when trying to log into to pay my bill it stated that I was locked out because I had a huge balance. I called paypal and made a payment but when I tried to get back into the account I still couldn't so I called them and they stated that the payment I made was to the credit card not to my actual paypal account debt which was confusing to me. After like almost 2 hours of back and fourth with several representatives I gave up. Then I started receiving letters with a bill and then one stating that my account had been closed to further purchases until I paid off the balance. Continuously making payments monthly I looked at my credit report and I saw that there was a SYNCB/PAYPAL Credit Card account on it but the account stated that it was closed. However, daily like 4 to 5 times a day I would get calls from them about the debt and I would make minimum payments to keep down the calls until I noticed that they wasn't even reporting it to the credit agencies correctly. I noticed that they would never allow the late payments to go past 90-120 days of me missing payments even if I did ( this was in order to ensure it never gets charged off ). So I called them and asked them about my payments once again the run around stating I had 2 accounts one a normal paypal and a charge card and I still don't understand that. However, when a friend of mine told me about a consumer enforcement that I should have been included on I did some research and I saw that I was enrolled into this additional account which should be cleared. XX/XX/XXXX I received a settlement offer letter from them stating that if I pay a sum of about {$350.00} dollars or somewhere around that figure they would clear the rest and report the account as paid on my credit report. Here it is XX/XX/XXXX and the full balance is still showing unpaid on my credit report and consistently being reported as late to the credit agencies and Paypal still has this account locked to where I cant access it to see anything.

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 2019-08-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had a furniture credit card with XXXX XXXX in XX/XX/XXXX. This card was paid off. A court case was filed and I fought it. I won the case after submitting my payment receipts in court onXX/XX/XXXX. The Banks attorney appealed. I again won the case on XX/XX/XXXX. Subsequent to that on XX/XX/XXXX they stopped pursuing the case. Court documents and the other correspondence were submitted to all three credit reporting agencies and XXXX AND EXPERIAN have both refused to remove the negative reports. I filed complaints through CFPB in XX/XX/XXXX ( XXXX and XXXX ). The lawyer and XXXX responded. This was also submitted to the credit bureaus and the Negative report is STILL attached to my file. What is it going to take to get them to accept my court order and update my file? Its been YEARS! Ive had to keep my files frozen so as not to be negatively impacted for years! Ive attached the pertinent information. Ive been unsuccessful in disputing this item directly with Experian and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: Diversified Consultants, Inc.
State: UT

Complaint narrative:
Diversified Consultants # XXXX is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have sent multiple letters and as well called only to get rude customer service and no help. I have a fraud alert on my credit profiles and it's frozen until this gets this resolved. I have a account that was fraudulently placed. That is linked to a mailing address ( i have never lived at ) i have provided PROOF but the credit agencies ( equifax, XXXX, and XXXXXXXX ) of my current address that i have been at for 28 YEARS. But they want me to call the FRAUD company and update my address with them. NO! i am not calling to update that information. I'm sure you can understand why!!! Needless, to say i was impacted by the equifax data breach as well. THIS IS RIDICULOUS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: PA

Complaint narrative:
XX/XX/2018. on a Friday I went to XXXX XXXX because I was sick. I had a XXXX XXXX, XXXX XXXX  and a XXXX XXXX. I waited for hours in the waiting room and was finally put in a consultation room. I waited in the consultation room for another hour and the doctor came in, left and came back. At this time, he told me I didn't have the XXXX and to go home and go to bed. He did not give me any medicine. I was furious. On the following Monday, I went to a XXXX  doctor and I had a XXXX XXXX, XXXX, and XXXX and was given several prescriptions. The XXXX doctor couldn't believe that XXXX XXXX didn't give me any medications and he felt the wait caused me to get even sicker. I called XXXX XXXX and told them my story and they did nothing but bill me. When I received the invoice, I again called XXXX XXXX and again nothing but a bill. I decided I was not paying this bill. Unfortuantely, they put the charges in collections. I received calls and notices, I even talked to one of the callers to tell them my story, with no success. This collections notice has now affected my credit rating. I paid the charges last week and was told it could take up to a month to have this removed from my credit report. I was also charged an additional {$30.00} plus dollars for fees which I paid. I really have a problem paying this, but again I need to get it off of my credit report, it is affecting my rating. I have had no late payments on any of my accounts in four years. When I paid this invoice, I spoke with a XXXX XXXX billing person and she said she would pass this information on and someone from XXXX XXXX would be in touch with me, that was a week ago and no one has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
We have submitted 3 applications for a Mortgage Modification with M & T Bank 's Homeowner Assistance Program. We were approved for the 1st time in XX/XX/2019 with the 1st payment being for XX/XX/2019. We made arrangements with M & T Bank for our 1st payment to be withdrawn from our checking account on XX/XX/2019. I was NOT aware that the bank where our checking account is located ( XXXX XXXX XXXX XXXX ) held/froze our available funds without our explicit knowledge ( or approval ) on the same day our M & T mortgage modification trial payment was scheduled to be withdrawn ; therefore, the mortgage modification trial payment was denied by XXXX XXXX XXXX XXXX where our checking account is location. We did not receive any information that our checking account 's funds were frozen until 7 business days later. By that time, the mortgage modification trial payment was declined by XXXX XXXX XXXX XXXX. M & T Bank proceeded to cancel our Mortgage Modification application. We submitted an appeal with proper documentation and proof from XXXX XXXX XXXX XXXX that they withheld our checking account funds. M & T Bank denied our appeal despite the aforementioned documentation. We then began to utilize a housing counselor to attempt to try to work with M & T Bank and reinstate a Mortgage Modification. We submitted a second Mortgage Modification application. Again we were denied by M & T Bank and they claimed because we " defaulted '' on the previous Mortgage Modification trial they could not approve the application. We again submitted yet another appeal and they again denied the appeal. At this time, they began to file Foreclosure court papers against us and retained lawyers. We have been served said papers and are supposed to have a Mediation meeting scheduled with the local court ; however, this has not happened yet. We have submitted a 3rd Mortgage Modification application through M & T Bank upon M & T 's suggestion and through their respective lawyers. Today we received a 3rd denial of a Mortgage Modification. 
We have tried working out payments with M & T Bank but they are refusing to work with us. We have kept lines of communication open with M & T bank and they are refusing to communicate solutions to us. M & T Bank has the ability to approve our Mortgage Modification application and override their policies that are blocking our application from being approved. We will further explain that one of the cosigners of the Mortgage Loan and our son are XXXX ; however, both receive monthly income from Social Security.

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 2019-08-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had my last car payment to make on XXXX XXXX XXXX car loan before loan was paid off- I made payment but was not aware that there was additional XXXX fees that were due also, so the loan showed late paid because there was XXXX dollars outstanding. I paid it soon as I was aware of it. 
This was my last payment - the loan is now paid off- XXXX XXXX says they can not change the 'late ' payment or remove. Please help it made my score suffer over 40 points.

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 2019-08-15 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: UT

Complaint narrative:
XXXX XXXX # XXXX is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: UT

Complaint narrative:
XXXX XXXX # XXXX is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: UT

Complaint narrative:
XXXX XXXX # XXXX is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.

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 2019-08-15 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
XX/XX/XXXX of 2019, I received an item delivered to my house that I did not purchase. I called Chase bank to make a fraudulent report of the purchased item since it was not purchased or authorized by me. Additionally, I called XXXX the seller 's carrier to make a report of the same item. Chase bank went ahead and canceled my Chase bank card which number was ending in XXXX while the matter was been investigated. XXXX simultaneously sent an acknowledgment letter to me stating that the matter was being followed up with a note to the seller in order to return the item. While waiting for the matter to be resolved, I received an online invoice or statement on or about XX/XX/XXXX, stating that there was an additional purchase made on the XXXX 's account that was canceled about 10 days ago, while I am in expectation of the new Chase Bank card in the mail.I spoke with Chase representatives several times and assumed that because I have my bank account on file that shows sufficient amount to pay off in surplus this fraudulent debt, they refused to listen to me and requested each time that I make a payment with my account on the Chase bank system. The irony was that I did not receive any card from Chase bank to replace the canceled card, neither did I activate it. Chase bank has destroyed my credit record and now I cant buy or sell

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have sent several letters to Equifax stating the inquires was without my permission, I have several inquires that have high impact. The representative stated '' I had to make a complaint before anything can be remove ''. Please assist me with you help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: PA

Complaint narrative:
I noticed several inaccurate and fraudulent accounts on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The credit card company is refusing to allow me access or give me any information on my account, or even to make a payment. In other words, my own account is being held hostage, and I run the risk of becoming delinquent on an account when they are refusing to allow me to make 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