vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 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: EQUIFAX, INC.
State: VI

Complaint narrative:
As a consumer and knowing my rights based on 15 usc 1691a ( e ) and ( f ) they have violated and continue to violate my rights and personal lifestyle with demanding calls and numerous demanding and threatening letters through the us postal service.Its has gotten to ah point were I am afraid to even answer my own phone at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
As a consumer and knowing my rights based on 15 usc 1691a ( e ) and ( f ) they have violated and continue to violate my rights and personal lifestyle with demanding calls and numerous demanding and threatening letters through the us postal service.Its has gotten to ah point were I am afraid to even answer my own phone at times.

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 2021-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
This contact is a reference and has been calling repeatedly once on XX/XX/XXXX and second on XX/XX/XXXX. I have also been contacted to myself has been harassing. I have had back to back calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XX/XX/2020, someone opened a XXXX XXXX account ( XXXX XXXX ). I did not open this account. XXXX claims I owe {$20000.00} on this account. I have no idea where it was opened or what was charged on the account. I have no account number. I filed a complaint with Identitytheft.gov,, and disputes with Experian, XXXX  and XXXX. XXXX continues to claim this is my account. I have never been contacted by XXXX. I have tried to contact them, but that's impossible without an account number ; you get caught in an automated loop.

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 2021-06-07 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: LA

Complaint narrative:
i discovered some fraudulent charges on my debit card & called capital one about it. they said i must wait until the charges change from pending to posted. in the time, the number of fraud charges went from 2 to 3. once the 1st 2 became posted, i called again. the company issued a pending credit fro 2 of the fraud charges and the 3rd pending was removed from my account. then, the bank credits one of the 2 charges, but still have 1 fraud charge on my account, offset by the credit. i have called their fraud department at least 6 times over a 3 week period. it is near impossible to get in touch with the capital one credit/debit card fraud department. i've been on hold 15+ minutes several times, only to hang up ; i've left call back phone numbers, only to be called back by someone NOT in the fraud department that can not help me with the problem. there is no way i can find on my account online to write them about this. i can not believe it is so hard to get in touch with anyone at their fraud department. wow

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
I've spent so much cash getting my car repaired for the past two months just to find out its a recall on my engine. I ended up losing my job due to this! They are still asking if I can make payments! How? I can't even afford a rental because I don't have the {$200.00} deposit! If it didn't require that, I would have been able to afford it! I got kids! This is non sense. My car suppose to be fix by next wednesday. XXXX CONFIRMED IT WAS MY ENGINEEEEE! NOT MY FAULT!! but i'm so far behind on my car payment its ridiculous! It's not even my fault! All the money I spent on my car could have been used towards my car payment now i'm without a job. I certainly don't deserve a repo! The lady who sold me the car told me this was a great car, practically new. I get it! I had it for a year and the engine gone. The company should have known about the recalls because it was back in 2017. They should have had XXXX inspect before selling!! I was on the highway when it happened. I could have lost control of my vehicle. There's already been a lawsuit in the past. I hate to even take it that far but they need to know what they are selling! My family is affected! I'm the sole provider of XXXX toddlers! A XXXX year old and a XXXX year old who go to daycare! I lost everything!!! Then yesterday, XX/XX/XXXX A man came by and picked up my car. He stated it was because my engine recall & Byrider needed to look at it. He said I will get my car back in 2 to 3 hours. On top of that, I got dinged on my credit report for being 30 days late but I honestly had a valid reason because XXXX couldnt look at my car any sooner and due to covid I couldnt get a loaner car. I would like that deleted of my credit report. I spent money on repairs before I knew it was the engine and XXXX wasnt trying to reimburse my money. That was the money for my car payment. I ended up losing my job due to the slow process of getting my car fix. I cant afford to have a repo on my credit. I could understand if I wasnt making my car payments because I didnt want to but I had a reason. I also kept in contact with cnac manger about whats going on. Thats my only transportation, Im the sole provider for my XXXX year old & XXXX year old. Without transportation, I cant find a job and I stay in a XXXX county town so theres no free transportation. I just got my car back, even when I find a job, it takes 2 weeks to get paid. I been putting in application while I wait for unemployment but now if I get an interview, I dont have a way. This is crazy! it's not like I didnt want to make my payments on purpose. I couldn't. I lost my job, how could I afford a rental?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion is reporting unauthorized unverified inquiries on my consumer report their reporting has been harmful and violated my right as a consumer under title 15 usc 1692 I have notified them of them of the 3 unauthorized inquiries on my report and they have yet to be deleted the inquiries are dated as XX/XX/XXXX XXXX and 2 more inquiries dated XXXX XXXX I also have filed a report with the ftc

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 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I was enrolled in the equity accelerator program, and Paymap was deducting bi-weekly payments from my account. I am just learning about their deceptive practices and was wondering how I can recoup the fees that I was paying. 

My mortgage is with XXXX. I called them about an issue with my recent mortgage payment and they let me know that this accelerator program ( now XXXX  ) was through a third party. All along I thought it was through them. 

Please let me know what options are available. I have learned that One company was ordered to repay {$33.00} million to consumers who were deceived by a program promising thousands in savings on interest. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX a notice of settlement was received from XXXX XXXX XXXX advising " This is a attempt to collect a debt and any information obtained will be used for that purpose. '' The letter stated this account had a charge off date of XX/XX/XXXX. 

On XX/XX/XXXX a debt validation letter was sent to XXXX XXXX XXXX in an attempt to confirm proof that they own the alleged debt. tracking number XXXX XXXX XXXX XXXX XXXX. To which the collection agency never responded. 

All 3 bureaus list alleged " AMEX '' account as closed and collection/chargeoff. 

Then on XX/XX/XXXX, Experian dispute results were received and there was an observation that on XX/XX/XXXX " AMERICAN EXPRESS 2 '' initiated a soft inquiry on credit report and also on XX/XX/XXXX there was another soft inquiry from " AMEX ''. It should also be noted at time of inquiry neither " AMEX '' or " AMERICAN EXPRESS 2 '' had any open accounts listed on credit report. 

On XX/XX/XXXX a letter was received from AMEX that stated " This account has been assigned to AMERICAN EXPRESS ''. How can an account be assigned to a company that has already closed and charged off said account? 

How can there be an inquiry on consumer 's credit report when the closing and charge off of account thus ended any business relationship? This egregious action has caused consumer harmed and has clearly violated FCRA 616 ( a ) ( 1 ) ( A ) + ( B ) Civil liability for willful noncompliance as report was obtained under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A friend and I opened an account for them online together over the phone. Friend mailed me a power of attorney as well as {$18000.00} stimulus check to deposit. Capital One bank froze the account and is denying the use of the power of attorney to withdraw funds from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I applied on XX/XX/2020 for a car at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I was told that based on my credit at the time I would need to put more money down. I advised I would not be able to at the time. The dealership went on after I left to apply to several banks and finance companies without my permission on the same date. 
I did not give permission for them to submit my credit information to the following companies listed on my Transunion Credit Report : XXXX  XXXX  - XX/XX/2020 XXXX  XXXX - XX/XX/2020 XXXX - XX/XX/2020 I have reached out to this company and each of the companies listed on my credit report as well as disputed this with Transunion and they all advised me to contact XXXX XXXX XXXX who told me to contact the financers or banks and credit bureau to dispute. I am tired of going around in circles so I am filing a complaint to get these inquiries removed. I did not authorize anyone to run my credit more than once. I have been trying to get this cleared up for too long and this is affecting my credit negatively.

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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: AL

Complaint narrative:
I made my XX/XX/2021 payment in XXXX of 2021. The company says that because I did not make my payment " closer '' to the due date, that the funds meant for my XX/XX/2021 payment was posted to principal and they are refusing to post the funds to satisfy my XX/XX/2021 payment. After complaining to the CFPB prior, and after trying to get satisfaction from Upstart Servicing, they told me today that " my request has been addressed and they consider the matter closed ''. Excuse me? No, it is not closed, not until they post my XX/XX/2021 payment correctly. In fact, my goal was to make as many payments this summer as possible and pay this loan off when I get my bonus at the end of the year. But, Upstart has decided to ignore their consumer. I have no intention of making a XXXX XX/XX/2021 payment. Also, Upstart needs to ensure that there will be NO LATE CHARGES assessed or negative reporting the credit bureaus. I am demanding that my payment be posted to my loan exactly how it should be posted, to satisfy my XX/XX/2021 payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: IL

Complaint narrative:
I receive my SSI on my direct express card and it is connected with Comerica Bank. My account has been HACKED three times and have had to get new card from direct express. And have gotten charged XXXX and XXXX for expedite shipping three times when this has happened and should not have been charged because it WAS NOT MY FAULT. I get my SSI deposited second Wednesday of every month and can not be worried every month if I can get access to money that I have worked all my life to receive. Comerica is FDIC INSURED and also need my {$1400.00} put back on another new card and they are refusing to do so. Comerica keeps telling me to call direct express and just can not get any straight answer! RIDICULOUS and I'm tired of waiting. THIS IS ON COMERICA BANK and needs to be fixed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My monthly mortgage payment is {$1500.00}, but XXXX additional {$1400.00} each month to be applied as additional principal. 
On XX/XX/21 I made payment to my mortgage company XXXX for {$3000.00}. {$1500.00} of this was my normal mortgage payment, and {$1400.00} was additional principal. Afterwards, I received a letter stating that Mr. Cooper had bought my mortgage. I called Mr. Cooper and was told that XXXX would forward my payment to them, payments would be applied the date that XXXX received them, and that I didn't need to do anything except make my next payment to Mr. Cooper. 
Mr. Cooper finally applied XXXX payment on XX/XX/21, but also did so incorrectly. They applied the {$1400.00} as a partial XXXX payment, then reversed that and set it as unapplied funds. 
On XX/XX/21 I paid {$3000.00} directly to Mr. Cooper. {$1500.00} of that was my normal payment, and XXXX was to be applied as additional principal. On XX/XX/21 Mr. Cooper told me over the phone that there was a " Bill Pay '' error and that they lost the payment ( along with thousands of others XXXX, and that I would need to send it again. I was also told that they would move the payment back to XX/XX/21 since it was their " Bill Pay '' error. On XX/XX/21 I made two payments for {$3000.00} each, one for the lost XX/XX/21 payment, and one for my monthly XX/XX/21 payment. 
First of all, both payments were posted on XX/XX/21, when one should have been moved to XX/XX/21. Secondly, they only applied {$1400.00} as additional principal instead of {$2900.00}. Their website doesn't show what happened to the rest of the money. I have called numerous times and they keep saying they will fix it, and never do. When I call and escalate it, they say they will call back and they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kashable LLC
State: MI

Complaint narrative:
I tried to work with the company to settle the debt initially, and I was met with all kinds of unlawful practices and found the Kashable company to be a Predatory lender. I was forced to believe that I could afford the loan and in the event of termination of employment, they had insurance to help to continue to make payment for you that was included in your loan payments was told when I got the loan in XXXX of 2019. I found out that was completely wrong information when I was inadvertently terminated from my job in XXXX of 2019 I informed them of the termination and that I would like to use the insurance to make payments while I look for another job, the representative told me that no such insurance existed and that I was still responsible for the loan. I was completely misled by this company and would have never taken the loan had I knew they were a predatory lender. They used use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. when I got my stimulus check I had planned to use that to settle the debt as I was looking to purchase a new home during the COVID-19 pandemic and they kept moving the goal post further as I tried to settle during these uncertain times. This debt is affecting my credit on XXXX and it is showing 671  days delinquent. I would like to have this company remove this tradeline from my account as this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A rental car transaction of {$450.00} appeared on my Chase Sapphire Credit Card. This amount is higher than {$310.00} that I was supposed to pay. After speaking with several Chase customer service representative, they insisted that transaction is valid, and refused to open a dispute due to the fact that I've already received the service. The reason why I contacted Chase is because it's impossible to reach XXXX XXXX location to resolve the issue, since no one answers the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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