vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 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 have sent several certified letters to the credit bureau in regards to this matter and received no response. I also submitted a few CFPB complaints. The account was only updated instead of deleted. XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. Thats relief is stated in the court documents below. I have also filed a complaint with my states attorney general in regards to the settlement. THIS ACCOUNT IS UNDER LITIGATION FOR PREDATORY LOAN PRACTICES!!!! It should be deleted from my credit profile instead of updated which it states in the court documents! Below I have attached the case files in regards to the lawsuit. This is a court order to DELETE not update!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: GA

Complaint narrative:
On XX/XX/2021, I sent written correspondence via Certified U.S. mail to TD Auto Finance requesting that they delete inquiries on my credit reports ( XXXX, XXXX, and XXXX ) dated XX/XX/2021, considering that I did not authorize anyone employed at TD Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to TD Auto Finance bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I financed a car through Toyota financial services, a bad mistake. They make you jump through hoops just to get approved. I usually go through my credit union and will do so from now on. Unfortunately I was T-boned in an intersection and my vehicle was declared a total loss on XX/XX/21 with the check being sent out that week. It is now XX/XX/21 and they STILL haven't updated their records to show that there is a total loss payoff. Yes, they still took my payment for the month it was due. They refunded me the payment for the next month but they have yet to show the car was paid off. I reached out to them 3 times about this. When I am late on my payment I am penalized with a late fee right? Toyota Financial Services should have the same burden of obligation to ensure their processes are working and not taking customers money for non existing loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: VA

Complaint narrative:
File # XXXX Transunion doesn't respond to my mails. This account is not ine. 

XXXX 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 2021-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days without update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have transfers from my checking account in an amount {$1200.00} from the XXXX which I do not recognize. I do not have XXXX account. Neither I or anybody from my family initiated this transactions. 
I contacted bank of America and didn't get any resolution.

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE ERRONEOUS ACCOUNTS THAT REPORTING ON MY CREDIT REPORT : AMERICAN XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$8100.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} Charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EZCORP, INC.
State: MS

Complaint narrative:
I receiced a payday loan in XXXX and I called them to try to set a payment plan to pay the XXXX. I can't remember the results but they started calling and telling I was going to jail so I ceased all communication. In XXXX I was trying find a actual loan company to get help on a down payment and the website had me input my info which directed to multiple websites but I never received a loan and in XXXX I started receiving calls from different collection agencies saying I defaulted on a loan for {$1200.00} or more that I received in XXXX which defaulted in XXXX thay kept telling me I was being sued I told them to mail me the documents or email them to me the agent became hostile and hung up on me. On XX/XX/XXXX XXXX XXXX from XXXX contacted me about Ezcorp and I told her I didn't receive an installment loan in XXXX the only loan I received was XXXX payday loan in XXXX even though the collection attempts was outside of the limitations of being sued out of good faith I made an arrangement to pay XXXX in XXXX installments of XXXX with the final payment payed on XX/XX/XXXX and I just called XXXX XX/XX/XXXX to see why XXXX still being called the phone number XXXX is no longer in service. In XXXX of XXXX the phone XXXX has been calling I've ignored this number until today XX/XX/XXXX and when I answered the number it directed me to call XXXX XXXX now I can't reach the number that I just dialed XXXX minutes ago in which they said the company name so fast and I told them to send me documents stating a got a loan in XXXX they hung up and I called back they hung up again and now the numbers are no longer in service Ezcorp XXXX to be held responsible this is going to be ongoing situation and the companies that are calling are using there name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: NM

Complaint narrative:
SEE ATTACHED FILE ... .CALLED BANK ( DISCOVER ONLINE BANKING ) TO INITIATE A DEBIT CARD CHARGEBACK BECAUSE MERCHANT IS REFUSING TO GIVE ME A REFUND, AS STATED IN THEIR POLICY. 
CONTACTED XXXX  AND FILED COMPLAINT ON XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX, and continued reporting false information without any proof provided, within the time allowed by law, is not authorized. How can be the payment history shows a 90 days late ( XX/XX/XXXX ) without showing a 30 and 60 days of late payments? You are attempting to violate this clear understanding. Below are the accounts that are reporting late on my Credit Reports XXXX XXXX XXXX XXXXXXXX ***** Opened Date XX/XX/XXXX Balance {$3400.00} XXXX XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The negative items are constantly reporting on my Credit Report. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off : XXXX XXXX XXXXXXXX {$2600.00} XXXX {$2600.00} XXXX XXXX {$860.00} Date opened : XX/XX/XXXX XXXX  XXXX {$460.00} Date opened : XX/XX/XXXX XXXX {$1000.00} XXXX {$9200.00} Late Close : XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On Monday XX/XX/2021 I was contacted by a buyer on XXXX who was interested in buying an item from me. The buyer claimed to have sent me {$200.00} and had a fake email sent to me claiming to be XXXX. The buyer had me call the number on the bottom of the email ( which has now come out as a scammer ) and made me send them {$800.00} to make my account into a business account and claiming I would be reimbursed the full {$1000.00}. I gave the person claiming to be XXXX customer service all my information such as bank account number and social security number. Over the next XXXX hours after this phone call, scammer got into my bank account made a fraud check from my jobs company using my name and depositing a {$5900.00} check into my bank account as well as going in on there own and taking it back out. I also never received the {$800.00} back. As soon as I realized what I was dealing with I Called JP Morgan Chase who I bank with to let them know the situation that was going on. JP Morgan Chase failed to look into any activity that was going on in my bank account. They were more concerned with getting me to close out my old account and open a new one. When the fraud started going on no one asked me about other accounts I had with them and also never asked if I wanted to restrict my account to stop any further fraud from happening. I mentioned to Chase several times that the money was taken from me fraudulently and there was response was that there was nothing they could do about it. It comes out at a later date that the {$800.00} of mine that was hard earned money was put into another account with JP Morgan and chase but that they still would not be looking into it any further. I have been a loyal customer with this bank for XXXX years. I have never had problems with petty problems but when it comes to serious issues it seems they did not want to do the work. A police report had to be made in this matter along with all the other stress this situation has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE ERRONEOUS ACCOUNTS THAT REPORTING ON MY CREDIT REPORT : AM XXXX XXXX  ***** Opened Date XX/XX/XXXX Balance {$8100.00} Charge off XXXX XXXX  ***** Opened Date XXXX XXXX, XXXX Balance {$0.00} Charge off

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 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 Bank of America informed me they closed my account and would not let me withdrawl the funds. Without notice or cause. 

My XXXX goes to this account and we could not stop the funds in time for the XX/XX/2021 payment date. They are stockpiling my money and wont release it. 

I am without food and medicine and I need to have access to my monies at once and stop them from receiving my direct deposit.

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 2021-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This scammer from American Express called me at XXXX A.M. and I never used credit cards and I don't have credit card debt. And I've found out it's a high risk phone scam. And I've checked my caller XXXX, and it said, " American Express XXXX. '' I want them arrested!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The negative items are constantly reporting on my Credit Report. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off : XXXX OF XXXX {$2600.00} XXXX {$2600.00} XXXX  XXXX {$1000.00} FST XXXX {$460.00} Date opened : XX/XX/XXXX FST XXXX {$860.00} Date opened : XX/XX/XXXX XXXX {$9200.00} Late Close : XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the following Inquiries and need to remove Completed from my Credit Report. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had some transactions on my joint account that were not mine and my husband said it wasn't his either so I called the card services number on my debit card through my checking account with umb. fraud management placed some sort of freeze on my account so neither mine nor my husband 's debit cards worked. it also made my online account messed up so I couldn't see how much money I had in the bank so I went down to my local branch and asked the person working how much money I had in there. he said XXXX so I asked to get XXXX out so I could go pay bills. I had to do the same XXXX days later. my husband and I both had direct deposits coming in so I wasn't sure how much they were for. a week later I got something in the mail saying I was XXXX in the negative. they said the money they had been giving me wasn't mine. but how was I supposed to know that. that is why I went to the bank to ask what was in there. when the employee looked up my account thats how much was in there according to they're screens. now they are trying to make me pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: MRS BPO, LLC
State: MO

Complaint narrative:
XXXX 2016/credit report. XXXX and XX/XX/2021 Collections and Harassment have company MRS on it, but shows on the credit report as XXXX funding. Amounts are inconsistent across the board, Balance, as well as high credit. In addition to the settlement, request is higher than the amount being reported. I requested the information for the GAP coverage and requested proof of the debt, as well and they only continued to produce their collection letters and a turn in settlement invoice. Here are all the amounts that are inconsistent {$15000.00} {$9400.00} {$16000.00}. 
Including correspondence to and from them as well as how it shows on my credit report. I am also sending you proof that XXXX removed this from my report already.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
A customer of mine paid me for a competed service. PayPal is gon na hold my funds for XXXX days. It's over XXXX I need this money to pay for labor material and taxes associated with work. They already took XXXX percent from me, now I have to wait a month to get it. This is criminal behavior, I would like XXXX percent back and some because I believe this unauthorized loan is worth more than that. They don't even tell you they gon na take XXXX percent. They just take your money then " borrow the rest '' interest free without the consumer 's permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
During XXXX, Coinbase ran a XXXX Trading Sweepstakes. To enter, existing account holders were simply required to : 1 ) Opt-in, and 2 ) Trade the equivalent of {$100.00} in crypto. Then Coinbase was supposed to send confirmation by email. I completed both requirements. Coinbase never confirmed my entry by email. So I reached out repeatedly to Coinbase Support asking them to confirm that I was entered, and Coinbase repeatedly refused. Based on my interactions with Coinbase Support, I think it's clear that this " sweepstakes '' was simply an attempt by Coinbase to generate transaction fees without actually providing anything in return for smaller traders. I wanted to submit this complaint so that hopefully Coinbase would do better by all of its customers in the future.

Company response to consumer: Closed with explanation