vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent multiple certified letters over 60 days ago and still have yet to receive any sufficient results upon the errors on my credit report. As a consumer I feel like I am being mislead and taken advantage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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 applied for a mortgage on XX/XX/XXXX, I was denied due to there being " disputes '' on my credit report from Experian which happened to just be " comments '' according to the support person. On XX/XX/XXXX I woke up checked my credit reports to see if anything happened to my credit report as a result of the hard inquire, It was the same credit score and the inquiries ' were posted already. On XX/XX/XXXX I called Experian to have these disputes dropped from my credit report, I was told that this action would not have a negative effect on my credit as they were just comments. After the dispute comments were taken and results were submitted to me from Experian. credit was pulled at a 60 point drop. No one knows what happened, I've been placed on hold for hours and hung up on by a membership supervisor by the name of XXXX after I asked if he can check that the work that was done to my report by his employee was done correctly as that was the last known change to my credit report. I pay a bunch of money a month to keep up with Experian monitoring and the ball has been dropped. 
Experian is the only agency that had a disastrous effect to my credit, XXXX  and XXXX  who also received the same hard inquire did not drop 60 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 2020-10-01 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: MI

Complaint narrative:
I sent multiple certified letters over 60 days ago and still have yet to receive any sufficient results upon the errors on my credit report. As a consumer I feel like I am being mislead and taken advantage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/2020 my savings was completely withdrawal from my chase savings account. Ive filed a fraud document with chase today, XX/XX/2020. The amount was {$11000.00}. I thought I could trust this person with my information login and of course I was betrayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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:
identity theft of several items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: OneMain Finance Corporation
State: PA

Complaint narrative:
identity theft of several items on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX I received a text from Capital One about an attempted charge of {$380.00} on my credit card from a company called XXXX XXXX XXXX. I instantly texted back saying that the charge was fraudulent. XXXX XXXX attempted 3 times to assess my credit card for {$380.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One has reversed 2 of these charges but refuses to reverse the third one. 
On XX/XX/XXXX I received a letter from XXXX XXXX stating he found " no indication of fraud. '' I don't know how he came to that conclusion. He also stated that the original charges were credited back to my account which is not true - only 2 of the original transactions were credited back to me leaving a fraudulent charge of {$380.00} on my bill. 
On XX/XX/XXXX I spoke to a fraud manager named XXXX who stated ( after 2 and 1/2 hours on the phone ) that everything was taken care of and {$380.00} would be removed from my statement. 
However, the charge of {$380.00} was still on my next bill so on XX/XX/XXXX I spoke to another fraud manager, XXXX, who stated that he corrected everything. A day or two later a credit for {$380.00} appeared on my statement. 
However, on XX/XX/XXXX I reviewed my account again and the charge of {$380.00} was back on my statement. I called and spoke to XXXX, another fraud manager, who stated she would make the correction and remove the charge. 
Today in the mail I received a letter dated XX/XX/XXXX stating that I had received two refunds for the same amount so the fraudulent charge of {$380.00} is back on my bill. Since there were three fraudulent transactions I need three credits on my statement. 

This has been going for 2 months and I don't know what to do anymore. Every time a fraud manager correctly removes the charge XXXX XXXX puts it back on my bill. 
Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Within the past month, TransUnion and XXXX  have not correctly verified any of the 5-6 collection accounts on my credit report. Ive sent in dispute letters every month, to no avail. I also received notification that 2 of the collections have been closed from XXXX XXXX, but they were still listed on my report from both credit reporting agencies. Also, XXXX has 2 collections on my report and when I spoke to them a few weeks ago, they only stated I have one collection account and not 2. None of these collection companies can be verified, I did not sign a contract with any of them, yet the credit bureaus are verifying the debt, without contracts or doing due diligence to correct these errors. I am demanding they remove all of the collections from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My son was involved in a motor vehicle accident involving a XXXX XXXX which I co-own. My son was taken to the hospital and the vehicle taken to a tow yard. Shortly after, during XXXX  period my XXXX  and XXXX got XXXX. In the meantime, XXXX got XXXX  and shortly after my XXXX was XXXX  and out of work. This was also causing delays in us being able to handle any business. I was out of work for two months, my son was out of work for five months. I requested a deferment on the payment after making the XXXX payment, this was approved by Hyundai up to XXXX. In the meantime, the vehicle sat in the tow yard waiting to be resolved by insurance. I was notified by the tow yard that Hyundai 's appraiser stopped by to look at the vehicle, and they advised them they were abandoning the vehicle and had no interest in removing the vehicle but Hyundai never advised us of this. Hyundai never notified me of such action or their intent. As the days accrued at the tow yard, my drivers license was being jeopardized by the tow company which placed a lean on my license. At that moment I removed the vehicle from the tow yard. Hyundai never notified us of their intentions prior to the CHARGE OFF. I came to find this out through an alert in the credit reporting where it stated that the account was in charge off due to natural disaster and also stated that we were late on our payments. I immediately contacted Hyundai for clarification. At which point they notified me that they no longer had interest in the vehicle and that the vehicle was placed in charge off due to lack of payment. I tried to explain to them that the last payment was XX/XX/XXXX and they charged the vehicle off 10 days later. How could this information be correct? They never offered me true clarification to this matter. When we attempted to call Hyundai they initially advised my son that they would settle the debt for {$6400.00}. They later advised him that they would settle but never give us the title. We were continuously calling Hyundai, they were refusing to give us a payoff in writing and were verbally giving us different amounts from $ XXXX {$11000.00} every time we would call. They charged off the vehicle onXX/XX/XXXX, 10 days after a payment was made. My son and I asked many times to receive a phone call from supervisors and no one ever returned the call. 
I am requesting that HYUNDAI retract the delinquent reporting and the charge-off status from XX/XX/XXXX thru now in all three credit bureaus. Hyundai violated the FCRA by not giving me an opportunity to satisfy the debt prior to the reporting and no notices were sent until I saw the miss reporting information on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been asking for assistance from Experian in regards to getting access to my credit reports since XX/XX/2020. No one can give me a answer to why I am unable to receive my reports and everytime I call to speak with someone, they are very rude. Over talk me as the consumer/customer, they have hung  up on me today XX/XX/2020 three time. They all were supervisors. They got frustrated because they couldn't answer my questions ; keep telling me they put a ticket in to resolve the error/issue since XXXX of 2020 and now we are in XXXX of 2020. I felt like everyone I spoke to was XXXX and didn't care about me or my time after being transferred from dept to dept and on the phone for 3 hours with no help or resolution. No actions have been taken accept for my monthly membership being taken from me on a monthly basis. I just want a copy of my credit reports

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 2020-10-01 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: IL

Complaint narrative:
I submitted a dispute about an account in my credit report XXXX XXXX. I do not believe this account is mine. The only response I have gotten is account information disputed by consumer ( Meets requirement of of Fair Credit Reporting Act as the result of my dispute. Then I submitted a complaint with CFPB, to which experian replied they checked with the company and would mail me a full report of their investigation. I submitted my complaint with CFPB on XX/XX/2020 and they responded to my complaint on XX/XX/2020 and the complaint was closed. After being out of town for a few days I now have the full report of their investigation. It is a print out of the accounts in my credit bureau report and how they have been reported. There is also a note stating the same thing account information disputed by consumer ( Meets requirement of of Fair Credit Reporting Act. 

This is the same as NOT providing a response. There is nothing new that was added with this full report/non-response. There is still no information as to how this company is proving that this account is mine or what process was used to assess that the account meets FCRA standards. Experian has a responsibility to accurate reporting but rather than addressing a legitimate concern/complaint, they just send anything and call it a response/investigation so they can claim they responded and addressed a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Student Services
State: OK

Complaint narrative:
A company continues to call me all day about student forgiveness loans. The message that is left is by a gentleman named XXXX with the Student Services Department stating that they are with the Student Loan Forgiveness Program. The callback number that was left was XXXX, but the number that they answered is XXXX and XXXX. It is the same person who answers each time, very unprofessional, asking for my information. I asked numerous times to be taken off of the list but they say they have or they need me to do further steps. When I began asking about their program, they hung up on me. I am sure this is a scam.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
On XX/XX/2020 I made my first payment for my mortgage. The funds were drafted out my account in the amount XXXX on the XXXX of XXXX to Movement Mortgage llc. To this day XX/XX/2020 they have yet to post this payment to my account. My bank has contacted them to help them retrieve the funds that were sent to them. I also have sent multiple emails to support providing proof of payment. The new servicer is threatening foreclosure and im receiving constant debt calls, and I was reported as being thirty days late to the credit bureaus which is not true. They informed my bank that they would post the payment to my account in XXXX and they have not. They are harassing me for a payment that has already been paid and my credit score has dropped significantly because of the false report they made to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
***THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX and XXXX XXXXXXXX XXXX. These accounts were reported " Verified ''. Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX  and XXXX notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have created an account with Robenhood trading system to invest some cash into the stock market. And I transferred $ XXXX into the Robenhood account trading for the first time I spected to lose or make profit but I expected a fair investment but one day I seem a stock call XXXX XXXX XXXXXXXX XXXX seems to be increasing in value I decided to purchase that stock. I purchased the stock and in less than 20 minutes the stock dropped down from scratch and I lost almost all of my money. I feel that it's like a scam someone playing the system to make people buy those stock to still the money from us. I contacted Robenhood and the reply from them was that they don't control the price of the stock that is why I'm seeking for help because not too long after that happens to me I've seen the new a young man was XXXX  due to something similar to my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: IL

Complaint narrative:
Within the past month, XXXX and Experian have not correctly verified any of the 5-6 collection  accounts on my credit report. Ive sent in dispute letters every month, to no avail. I also received notification that 2 of the collections have been closed from XXXX XXXX, but they were still listed on my report from both credit reporting agencies. Also, XXXX has 2 collections on my report and when I spoke to them a few weeks ago, they only stated I have one collection account and not 2. None of these collection companies can be verified, I did not sign a contract with any of them, yet the credit bureaus are verifying the debt, without contracts or doing due diligence to correct these errors. I am demanding they remove all of the collections from my credit report.

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