vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
there Are items on my credit report that i have disputed and i haven't received any results about the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: LA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
Ive received several hateful and abusive calls from a collector, when I haven't had any knowledge of this account. They have already taken payments from me but I followed steps on the federal trade commissions page to submit a report for fraudulent debt collectors. I'm concerned because this company doesn't match any company names, or addresses online as the Email they sent me. I think this is a wrongful debt, and they've threatened to take lien of my bank account and sought legal action saying they will find me & they will do what they need to, to get their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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:
As per lender the late payment reported are incorrect and lender has request on XXXX XX/XX/XXXX andXX/XX/XXXX ( more than once ) to delete late payment from all 3 credit reporting companies and but its not removed from the reports. I have contacted all 3 credit bureau but they says they have not received any such communication but when i talk to lender they says they have already communicated to delete from credit report. 

I am going through this loop again and again and no solution yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As per lender the late payment reported are incorrect and lender has request on XXXX XX/XX/XXXX and XX/XX/XXXX ( more than once ) to delete late payment from all 3 credit reporting companies and but its not removed from the reports. I have contacted all 3 credit bureau but they says they have not received any such communication but when i talk to lender they says they have already communicated to delete from credit report. 

I am going through this loop again and again and no solution yet.

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 2021-05-03 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: SC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: FL

Complaint narrative:
This letter is a formal complaint that Credit bureaus is reporting inaccurate and incomplete credit information. 
I am distressed that have included the information in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate in a timely matter is its been over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
VEHICLE IS UNRELIABLE. HYDROGEN STATIONS ARE ALWAYS DOWN, AND THE CAR DOES NOT WORK. XXXX XXXX XXXX. PURCHASED XX/XX/XXXX. 
XXXX : XXXX XXXX 's Year and Model : XXXX XXXX COMPANY REFUSES TO REPURCHASE VEHICLE OR ALTER THE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi I have spoken about this matter with XXXX and XXXX XXXX many times with the their agents over the phone. In which all agreed that that there a mistake on their end and promised to fix. However, never got fixed! 
I have proofs form my bank showing the payments has been deducted from my bank account. however, XXXX and XXXX has acted in gross negligence and incompetence to keep track of the payment. Every time I call them to fix the problem phone calls gets to be on average a XXXX hour long phone calls as they transfer me form XXXX representative to an other then hang up and I need to repeat. This added a duress on me. I called many time, where some of the phone end up with them admitting to a mistake on their part and promises they will fix within XXXX  day, but never do. Every time we look at the account it has different balances and payments, where none make mathematical sense, not hte bank can explain the their own accounting. 
I have sent many written request for the bank to fix the balance owned, where even I believe the balance was paid of. 
The bank XXXX and XXXX is commiting fraud at this point with the full knowledge and intent of commit the fraud. 
also, the bank has reported me as I have filed a bankruptcy tot he credit reporting agency in fraud. Where I never filed for such. This has harmed me for years and prevented me form seeking other bank loan to replace their loan. Such attics is part of their fraud scheme. 
In addition, the bank has been charging for a wrong interest on the account, where the bank admitted so. 
The record to prove their misconduct is many, I'll just upload a few. However, the bank is the record keeper and they must provide records. Once investigation start, I'll provide more proof. 
Also, the bank web site does reflect their monthly billing statements. Their monthly billing statements reflect wrong interest rate. The gross incompetency of record keeping is very clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: NY

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: NY

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/2021, I logged into my direct express account to see that several 6 unauthorized transactions were made totaling XXXX dollars from Supplemental Social Security benefits for my minor. Direct Express took an hour and a half to get in touch where I was not given any guidance on how to resolve this issue and when I could expect any help in getting my money back. These are federal funds issued to those in need. It is absolutely ridiculous that phishing scams are allowed to happen with cards issued by the government.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I applied for a loan 2 months ago. I was approved but when I went to sign the papers, they incorrectly said there was information on my credit report causing a problem. I submitted a up to date credit report showing them their error. I was told AGAIN that I was approved and the approval documents were on the way. That was TWO MONTHS AGO. Every time I call customer service it takes several minutes while they review the notes on my account of which there are many due to the multiple calls XXXX dates listed below ). 

They then state they need to discuss the matter with a credit analyst. I am then on hold for an extended period until they return and always state a computer glitch is delaying the documents and they will fix it immediately. 

I have spent many hours on the phone and always get this answer. I called XX/XX/XXXX, XXXX ( twice XXXX, XXXX, XXXX, XXXX ( twice ), XXXX, XX/XX/XXXX, XXXX ( twice XXXX, XXXX, XXXX, and XXXX with each call lasting around 15 minutes .... longer if I asked to speak to a supervisor. 

I am told every time that the loan is approved and the documents to sign will be sent shortly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC
State: CA

Complaint narrative:
I referred a user with the username XXXX on XX/XX/2021. I was unable to qualify for the referral reward because Etoro blocked my ability to add funds to my account during this time period. In order to receive a referral reward, both the referrer and referee must complete a trade in their account of at least {$100.00}. Since I did not have the ability to add funds to my account during this time period, I was unable to complete the trade requirement. I contacted Etoro to restore my ability to add funds to my account, but they only agreed to do this after the 30 day period that you have to make the trade after your friend joins Etoro.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: MD

Complaint narrative:
ATTN XXXXXXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Mortgage was sold to another mortgage company. 

New mortgage company starts deducting second payments by autopay from my bank account. They are taking 2 payments for 1 month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
Plusfour is trying to collect a debt of {$5.00} that was paid. I sent them a copy of my check for XXXX $ paid to XXXX XXXX. I contacted XXXX XXXX and they told me I had no balance owed. I want this XXXX  $ removed from my credit report. It was from XXXX. I disputed with XXXX and still no results.

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 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months. After waiting for 180 days to withdraw my funds I was not authorized to withdraw still. But I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Since XX/XX/XXXX Equifax has been incorrectly posting, reporting, and distributing, my name spelled wrong amongst other continuous problems with Equifax staying in compliance with its legal obligations towards doing these duties under federal and international law as a consumer in the usa as well as worldwide. 
I have documentations from a few other times when I've given Equifax my correct personal information to be corrected within its agency and still Equifax continues to violate federal law to the complete deprivation of me being able to up-scaling or improve all my credit base information which Equifax uses to propagate, advertise and determine my credit worthiness or paint a high trustworthy credit picture of my consumer information to all worldwide creditors : Visa, Master Card, US Banks, etc. 
The other dates of proper information given to Eqfx but still failed correction are : XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
All of these dates My first name is being spelled XXXX XXXX XXXX instead of XXXX XXXX XXXX. Equifax also fails to allow me to use my XXXX XXXX XXXX XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly. It is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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:
Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I initiated two fraudulent complains on my checking account from Chase. One was on XX/XX/XXXX for XXXX transactions totaling {$420.00} approximately and the other was on XX/XX/XXXX for {$500.00}. I did not authorize my account to be debited for these amounts and Chase will not issue me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: ERC
State: RI

Complaint narrative:
I noticed a company named ERC # XXXX AMOUNT {$59.00} reporting this collection account that doesn't belong to me. I was never properly notified about this account by this agency. I would like this account removed from my reports immediately.

Company response to consumer: Closed with explanation