vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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: OH

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the XXXX liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  COLLECTION XXXX XXXX XXXX XXXX & XXXX XXXX # XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received a rebate from a XXXX XXXX for less than {$20.00}. Paypal then requested a host of additional information to confirm my identity which I provided including but not limited to Drivers License, Bank Statement, SS #. Paypal then closed my account without explanation after being a customer over 5 years with no issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I filed a claim to Chase saying that I did not receive my Bitcoin that I purchased from the company XXXX. 
There fore I opened a claim, but instead the initial representative put on the claim that it was a duplicate charge and not authorized ( it was not and I did authorize the transaction I just didnt receive what I paid for ). I got a provisional credit on XX/XX/XXXX, thinking everything was fine and they would solve this problem for me. Then, I received and email on XX/XX/XXXX saying they were taking the {$700.00} dollars back from my account because they found it was not a duplicate charge ( never said it was duplicate ). I immediately called Chase, and talked to a Supervisor, and told them the first representative on the claim made an awful mistake and filed my claim wrong ( making it so it wouldnt be in my favor? ) The supervisor then had me fax over proof of me not receiving my goods and various other proofs. I thought all would be fine and they would handle this problem diligently this time. To my surprise they did not, they sent another emailing telling me these charges were authorized and were not duplicate. I had never once said they were duplicate charges or not authorized, just that I didnt receive my goods. Chase is obviously negligent to their customers and do not take thorough time studying claims. Not to mention I have every single phone call recorded ( even the first one where I filed a claim as not received and the ones with the supervisors ). This is for claim # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: OH

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
You have just closed my complaint based on FALSE response submitted by Selene Finance Company. Selene is a criminal enterprise that should be shut down. CFPB should at very minimum review MY statements received FROM Selene Finance and the statements that Selene sent you directly. You will then see they have falsified the statements sent to you. 
Granted, they have stolen only a mysterious {$53.00} sent to escrow for no reason. This is to cover up the TWO late fees they charged. 1. Selene charged a late fee of {$49.00} on XX/XX/XXXX, 16 days after receiving the loan. Contrary to federal law. 2. They charged a late fee again on the payoff statement. Contrary to federal law within 60 days and additionally without basis. Both these items, XXXX statement and payoff quote are attached. You will see they told ME it is a late fee. They told YOU the funds have gone to escrow. 

Clearly, I am XXXX during my day job, this is a laughable matter for me. I had the funds to pay off this predatory company in full. CFPB owes it to the consumer to protect them. You must get numerous complaints from consumers who do not have the means to pay off and get away from this predatory company. You MUST strengthen consumer protection and here you have the tip of the iceberg. Please protect consumers in general and specifically from Selene Finance. This is text book predatory mortgage company. You are literally there to pick these low hanging fruit and put them out of business. 

Moreover, how can they charge me a late fee, twice, illegally and all within the 60 days they note in their initial response to you??? Then submit falsified docs to you and you close the case. This is NOT acceptable. 

If they claim they have emailed, that too, is a lie. They have sent twice, an email with something that is not able to be opened. I requested my company IT to try to open attachment and we are not able to even get to a step that might try to open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
This vehicle was returned to the company in 2014 when I was XXXX  by me Ex and unable to drive and has to leave the state. The balance was XXXX for some reason now it was update to XXXX. How do I own more years after returning the vehicle. In addition the vehicle mostly has sold and they have made money off the vehicle and my balance should have decreased not increased. I have been disputing this many times and they only added to my balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting addresses that do not belong to me. These addresses are linked to identity theft. In addition, there is a name that does not belong to me and I would like to have it deleted as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
I have had an account with Gemini Trust LLC for over four years. I transferred over XXXXUSD into my account on XX/XX/XXXX and bought some assets worth over XXXX USD. The next day, XX/XX/XXXX, Gemini froze my account without any warning. This has had negative consequences for me as I can't buy when investment assets have fallen as they have today XX/XX/XXXX at XXXX am. I contacted Gemini Support on XX/XX/XXXX and was issued support ticket # XXXX. To date, nobody has contacted me after numerous tweets and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: VA

Complaint narrative:
I have an ID Notify credit monitoring account with Experian. In 2017, when XXXX was hacked, my Social Security Number was among those compromised. After that hack, I ended up with all kinds of impersonators. It seemed for a while that every other month a credit firm contacted me about an attempt to use credit in my name. I keep a folder of just that correspondence.

Now Experian 's ID Notify is unable or unwilling to do their job. In XXXX I found a negative and damaging report on my ID Notify site that was NOT my debt. I contacted them to correct the problem. After a few weeks they sent me a letter stating that the negative report stands. As I stated, this is not my debt. 

The claim is that I owe {$4300.00} to XXXX University, and the collection agency XXXX XXXX XXXX XXXX XXXX, PA XXXX, ( XXXX ) XXXX, has reported the outstanding debt to the credit bureaus. 

I finished school nineteen years ago. Ive never heard of XXXX University or XXXX XXXX XXXX before now, and neither one has ever corresponded with me. How did it get in collections? Obviously neither knows a thing about me like my address or phone number. Ive had both for 6 years this Fall. How did they approve credit in my name? Isnt this disconnect obvious to Experian? 

I tried to log in to the Experian online site to address this issue, but my ID Notify Username and Password do not work there. Because the site states I have an account there, I provided my Birthdate and my SSN to get an email reminder. Experian sent an email to XXXX. I have NEVER had a XXXX email. In addition to the bogus email, Experians Credit Report has two bogus residential and business addresses listed for me one in XXXX, and one in XXXX. Ive never been to XXXX, and only visited in XXXX. There is no way in to Experian to communicate these errors because the XXXX email I've never had is the only way to sign in. 

So Experian has the audacity to allow a negative report to attach to my credit and refuse to amend it because the collection agency is sure it is me although even Experian cant get my info right, and then presumes to judge my creditworthiness. How do I prove it is not my debt if I have never heard of any of these organizations in my life? How do these credit agencies get the power to ruin ones life? 

I have worked so hard to have good credit, and just when I need it most for a loan, this blow to my credit comes out of nowhere to ruin my good credit and good name.

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 2021-05-13 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have 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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/21 i sent disputes to the credit bureaus about UNLAWFUL activity on my credit report I noticed a few days prior. Transunion, XXXX, and XXXX have all failed to adequately response to me in a timely matter as all disputes should be resolved within 30 days!! it is now XX/XX/21 as I write this which is basically 45days and still haven't had my credit report updated!! It is law that failure to resolve and validate these accounts is grounds for them to be DELETED IMMEDIATELY.

Thes companies just do what they want to consumers like me and I won't stand for it, I know my rights and laws! Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately, failure do so and i will file for litigation due to violation of LAW and FCRA!

Also late payments that were reported while we were all in a pandemic is against the LAW! The CARES Act protects consumers from theses unjust reportings.The Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
In 2016, when I was still a teen, a debt was not disclosed with me as being sent to a collection. I was under the impression that my student loan of roughly {$2000.00} was covered with XXXX  college of XXXX XXXX. 
I was young and unaware of any debt that I owed, as my parents told me it was paid in full. 
As time passed and I finally discovered this was on my credit report, it was paid in full immediately. 
I did not neglect this debt or deserve to have it sent to collections at such a young age with no warning. 
Based on my other credit history, I have never missed a payment, nor have a been in this situation with any other company. 
I believe this situation needs to be looked at more seriously and a fair solution needs to be provided. 
This should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have a incorrect amount from XXXX XXXX for {$92.00} and alrready paid I have a XXXX XXXX XXXX {$520.00} and close this account. 
I have a XXXX XXXX XXXX for {$1300.00} and doesnt belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TX

Complaint narrative:
Equifax provided the following companies with my credit report and I did not give anyone permission to pull my credit report. I want this stuff off my credit because I did not ask for anything from these places. Please delete the inquiries for these companies I began to get alerts notifying me that someone was applying for credit using my social security number. I have not applied for nothing. These companies reviewed my credit without my permission -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CA

Complaint narrative:
There are three accounts on my credit report that are not mine I have no accounts like these credit cards or anything else like this I have been going back and forth with the bureaus since XX/XX/2020 and I need this taken care of asap!!! 

XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$340.00}

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 2021-05-11 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: LoanCare, LLC
State: AZ

Complaint narrative:
I have multiple mortgages with Loancare and XXXX. I have been paying all my mortgages on time for years. In XXXX 2019, i changed my autopay bank account. Payment didn't go through as i autopay kicked off after a month. Upon further checking i was told when switching autopay it kicks off after a month and have to be paid manually first month. This was reported as late payment to credit agencies and it dropped 74 points on report. This is really hurtful. I have so many mortgages and never been late on single one for years. 

This could have been avoided if : - There was an alert/indication during autopay setup - Bank sent any letters on late payments highlighting late payment ( only thing i kept receiving was regular statements ) - Call to notify of late payment All i request the bank is to withdraw this late record looking at my history and nature of the issue with the late payment. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Please provide feedback about the companys response. 
You have 60 days from when the company responded to your complaint to provide feedback. To provide feedback about the companys response you can log in to the Bureaus secure website or call us at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX., Eastern, Monday-Friday. 

COMPLAINT ID XXXX company never responded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TN

Complaint narrative:
I opened a credit account with a jewelry company. The account reported for a month and then disappeared. The account is still active and in good standing and its sudden disappearance adversely affected my credit score by lowering my available credit and raising my credit utilization.

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