vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have purchased a vehicle in XXXX XXXX and got approved for finance with my bank, Capital One. XXXX has a policy, that the car can bear retuned within 30 days with no questions asked. I returned the car on XX/XX/XXXX ( after 2 weeks ) yet my bank still didnt receive the payoff amount and my first payment is due on XX/XX/XXXX. I have in my hands a voided contract from XXXX and no car, yet my loan is not cleared with Capital one. I was told several times that it takes about 10-15 days and again, even after calling 20 times the business office at the XXXX XXXX store and the headquarters in Virginia, there is ions explanation and response. Capital one didnt receive the payment and I was demanding to get a crack number or a tracking number. This is a legal fraud and theft, when customer gave up the car, the contract is voided yet I am still response for the payment. Please help me resolve. I dont want to be in collection with my bank for something I am no longer responsible for. This is a scam and the worst possible customer service experience

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 2021-06-02 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I applied for TEPSLF in XXXX of XXXX. Seven months later, the Pennsylvania Higher Education Assistance Agency denied my application based on false claims about my income, and refused to explain their evidence or reasoning. In response to my CFPB complaint XXXX, they made blatantly false claims to justify their decision. 

Today ( XX/XX/XXXX XXXX the Department of Education reversed PHEAA 's decision, acknowledged PHEAA 's claimed numbers were incorrect, and has taken my TEPSLF application up for final review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: LA

Complaint narrative:
I had set up a payment plan to settle and settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: LA

Complaint narrative:
I had set up a payment plan to settle and settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: PA

Complaint narrative:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX  XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX Inquiry : XXXX XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Santander is reporting a late payment XX/XX/2020. There was not a late payment that month. Please remove from my account or update with late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: VA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a email from PayPal on XX/XX/XXXX that PayPal is going to withhold my account balance for 180 days without any reasonable explanation. 

Then PayPal withdrawal the remaining balance of {$300.00} on XX/XX/XXXX from my accounting citing correction reasons and failed to disclose what's the detail charges. 

PayPal customer service failed to provide any reasonable explanation towards the freeze on my account and refuse to return my money. Therefore, I am filing a complaint again PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611, It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
I had {$1900.00} taken from my checking account by Venmo from a scam email over 5 weeks ago. Venmo admitted that it was fraudulent and was supposed to send me a check which they never did. I have emails and texts messages from the company admitting the mistake but have not received my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: IN

Complaint narrative:
I am filing this complaint because I previously disputed this account and gotten a response telling me to contact the original creditor. The bureau only collects and reports information furnished by the creditor. On XX/XX/2021 I filed a complaint with the CFPB, Complaint # XXXX and Experian failed to initiate an investigation. I have received a response from Experian regarding my complaint saying that they were unable to identify me but that is not true. I also submitted the same complaint with the CFPB on XX/XX/2021 to XXXX  and XXXX  and they did not refuse to initiate an investigation. All bureaus were provided the same information. I am having an issue with this bureau investigating an account that is incomplete and inaccurate. The creditor has not validated the debt with competent evidence bearing my signature that I have or had an contractual agreement. The bureau still verified the debt. Since XX/XX/2021 when I filed my complaint Experian has updated the account with new information and re-aged the account. Also they have added more late payments after the account has been closed. But they shared with me and the CFPB per my previous complaint that they werent able to identify me and closed the complaint so therefore how did they initiate a investigation without my knowledge. They also updated the account after me filing my previous complaint. They have violated my consumer rights under the FCRA laws. There is different information being reported to all bureaus about the same account. I have brought the to all bureaus attention.

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 2021-06-02 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: FIRST PORTFOLIO SERVICING INC
State: IN

Complaint narrative:
I am filing this complaint because I previously disputed this account and gotten a response telling me to contact the original creditor. The bureau only collects and reports information furnished by the creditor. On XX/XX/2021 I filed a complaint with the CFPB, Complaint # XXXX and XXXX  failed to initiate an investigation. I have received a response from XXXX  regarding my complaint saying that they were unable to identify me but that is not true. I also submitted the same complaint with the CFPB on XX/XX/2021 to XXXX  and XXXX  and they did not refuse to initiate an investigation. All bureaus were provided the same information. I am having an issue with this bureau investigating an account that is incomplete and inaccurate. The creditor has not validated the debt with competent evidence bearing my signature that I have or had an contractual agreement. The bureau still verified the debt. Since XX/XX/2021 when I filed my complaint XXXX  has updated the account with new information and re-aged the account. Also they have added more late payments after the account has been closed. But they shared with me and the CFPB per my previous complaint that they werent able to identify me and closed the complaint so therefore how did they initiate a investigation without my knowledge. They also updated the account after me filing my previous complaint. They have violated my consumer rights under the FCRA laws. There is different information being reported to all bureaus about the same account. I have brought the to all bureaus attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... LVNV FUNDING LLC XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2021 I was contacted by Bank of America saying some fraud was detected on my account. They verified my info and told me to assist in making sure it wouldn't process. They said my account should be fixed in 6 hours little to say later on I noticed XXXX missing from my account through XXXX I have filed several claims with Bank Of America and XXXX. They have denied every attempt I've made to get my money back saying they were unable to retrieve they funds and I should contact the merchant. Like I know who they are! To add insult to injury the Bank says it's not insured. I never asked for XXXX and only used it because the bank has it I never requested that XXXX be able.to access my account like this XXXX XXXX. I am not the only vitim either Also I believe the Virginia Employment Commission VEC has been hacked along with other Unemployment Agencies across the country. I say this because One day I waa calling to file a claim and the VEC didn't answer. First it was the answering service for XXXX XXXX second XXXX XXXX  then XXXX XXXX and so on. I am XXXX yrs old and I have been a gamer all my life I know when there is a glitch in the system. I tried to report this I left a message that was the best I could do. I figured the government would figure it out soon enough. I guess they haven't.

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 monetary relief
Consumer complaint received 2021-06-02 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells fargo bank has lost there moral compass. I have been dealing with them for 1 year to the day. They are suppose to be getting me outside mitigation and in my eyes there now guilty of fraud. The bank sent a letter today and it states that they are notifying the trustee in a 2013 bankruptcy I had to file because of them putting CPI on my auto loan and causing me to default that if they give me more than XXXX what I have gotten so far they will submit a claim to the trustee to get there money back. FRAUD. Scammers They need to be run out of business.

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 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/2021 Someone named XXXX XXXX sent herself some money on XXXX that was completely unauthorized. I requested the money back from XXXX XXXX in a refund form through XXXX and she declined sending me my money back although it wasnt meant to be sent to her. XXXX declined to dispute my transaction prompting me to contact my bank or request a refund from XXXX, in which she declined. Ive contacted my bank, which is Chase Bank and theyve now filed a dispute. I just want all of my money back. The amount is for {$420.00}. CHASE ALSO REFUSED TO DISPUTE THE TRANSACTION. Theyve stated that it was authorized and completed but it was not authorized!!! I don't even know the person that the money was sent to!! Both Chase and XXXX XXXX have no absolutely no help in helping me retrieve my money!!!

Company response to consumer: Closed with explanation