vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC
State: MI

Complaint narrative:
I have a loan with American Credit Acceptance with the account number XXXXbut I was never late on making my payment. However, the 30 days late which was tagged in different months of 2021 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
I tried to open an account on https : //current.com. But they refuse to help me open the product, without giving me any explanation as to why it is not possible. The main page shows the requirements for opening the account. I comply with everything that is requested, social security, state id, passport. But they continue to tell me that for reasons of the company they can not help me open my account. 
I demand that the company tell me the reasons why they don't want to open my new account. Because it is very strange and I think it is because I am of XXXX origin and my English is not very good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I had a travel package booked with XXXX and paid with AFFIRM. The flights got canceled and moved by the airline so automatically I was entitled to a refund per airline policy. I requested the refund and never got it. I talked to the financial institution that I used to make the payment so we could open a claim and get my money back. I sent AFFIRM all the proof I had and they did not provide me with a refund and it has been a year. I submitted a claim with my bank and AFFIRM took the money back and sent me to collections wrongfully even after I showed them they owed me a refund. The airline has now after a year sent the money back to AFFIRM and I have contacted AFFIRM to ask for my refund and all they tell me is : Our system is having issues when we try to send you the refund. ( they " escalated '' the issue XXXX different times ) and they have not gotten back to me nor have they sent me my refund or even processed my refund. They said the escalations team was going to get back to me within 24-48 hours and they have not done so. Also the loan still shows charged off when IT should have not been and especially now that they got the refund from the airline

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are five fraudulent unauthorized inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: IL

Complaint narrative:
XXXX is at XXXX violations for me XXXX hipaa violation providing me with a description of what was done to me which results in hipaa violation incorrect name on bill they submited to me not correctly spelled and not labeled as medical collection account which is supposed to be on there not XXXX XXXX XXXXl which is not considered properly marked XXXX violations in total

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
So not only after I file a complaint with the credit bureaus about my information being incorrect. 
All of my credit scores drop below XXXX. For what reason I dont know. I cant even view reports and or call to talk to an agent. My phone is always send to the answering machine.

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 2022-02-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
So not only after I file a complaint with the credit bureaus about my information being incorrect. 
All of my credit scores drop below XXXX. For what reason I dont know. I cant even view reports and or call to talk to an agent. My phone is always send to the answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: NY

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-02-16 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: NY

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-02-16 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: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Northstar Location Services, LLC
State: MO

Complaint narrative:
NorthStar Location on behalf of XXXX XXXX is needing us to speak to the company about form 4205 and making arrangements to have final debt resolved. 

Need Form 4205 sent to XXXX XXXX XXXX, XXXX, XXXX XXXX MO, XXXX Have been having issue with getting the product we were supposed to have paid for in 2017 with car dealer and their financial partners. I was promised fair financing and a vehicle that wouldnt put myself and others in danger. I received a letter stating the vehicle was recalled due to class action and that I would need to submit a claim and await a decision. I had no control over the defectiveness of the vehicle nor the financial partner tying us to the defective vehicle beyond the loan paperwork. I had called in to the financial partner who is the lien holder in the situation and advised about the recall and need to workout a payment arrangement and they were originally not willing to help us in the situation unless I made payments on the vehicle which our contract was voided when the manufacturer voided the warranty and was forced to repay for the damages on the claim. Currently the only thing stopping the manufacturer from paying is me having the vehicle registered in my name, which I can not do because the paperwork sent to the financial partner was sent to the XXXX in XXXX XXXX and not to me to proceed forward with getting the vehicle registered. Previous attempts to have the buyback request completed and them paid or previous attempts to workout payment arrangements has been consistently a headache. I spoke with NorthStar Location who was thankfully able to work with Client Relations to have them forward the signed document I faxed from our local XXXX XXXX XXXX, but I only need it signed and returned, not forwarded or bounced or assumed just sent back to me, so I can complete the next step in getting them paid and it seems they and sometimes when I call North Star Location to resolve the matter they, particularly XXXX XXXX XXXX, has stated that the matter needs to be handled between XXXX and myself ( when XXXX sends me to them and via a verse ). Ive been asked why the manufacturer hasnt paid sooner and various other things that are beyond my control or really function or office and ministry, but what I can say is that it would be such a blessing if they would hear the circumstance and not try to make additional emotional damages when I call with a plan to resolve the matter, but treat me like someone trying to resolve an issue that I tried to previously fix when circumstances were beyond my immediate control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: PENTAGON FEDERAL CREDIT UNION
State: RI

Complaint narrative:
My mortgage recently transferred providers, during this transfer my credit was pulled without my consent and has since dropped my credit score dramatically. PENTAGON FCU Ran my credit without my consent or knowledge, I am not sure who this company even is. Since then, my mortgage has not been reported on my credit report and currently has that I do not have an open mortgage account, which is incorrect. I have had a mortgage since 2019 and have transferred providers before with no issue, and no credit was pulled then. My credit score has dropped dramatically, dropping 34 points, from XXXX to a XXXX. Very frustrated and concerned with the fact that this company got all of my information and then ran my credit without my consent.

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 2022-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I have medical bills in my name in places I never stayed around times where I lost my wallet and didnt know how serious it was to keep up with your id

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 2022-02-16 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 — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: UT

Complaint narrative:
Innnovis has blocked my ability to order my consumer report from my online access without any notices of why I am not able to request my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Block, Inc.
State: CA

Complaint narrative:
Cashapp sent a unauthorized amount of XXXX to another person. I have disputed this with flcashapp and asked why the money was deducted but it is not popping up in my transaction history. I filed a dispute with XXXX also and my claim was denied but not much info was given on why. Attached is a letter for the claim on decision

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I lost my wallet while out on the town on XX/XX/2020. Since then I've noticed things on my credit that wasn't done by me. I have made contact with the companies to have removed but no action was taken. I also disputed them with the credit bureau and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
The ACIMA CREDIT FKA SIMPL account with the account number XXXX marked as Charge-off with an identified balance of {$1300.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: CO

Complaint narrative:
AFTER CHECKING MY OTHER CREDIT REPORTS IT LOOKS LIKE XXXX XXXX DEALER SERVICES HAS REPORTED ME AS BEING 30 DAYS LATE ON MY CAR PAYMENT FOR THE MONTH OF XXXX A PAYMENT WAS SENT TO THEM IN XXXX WHICH THEY POSTED ON XX/XX/XXXX. THEN IN XXXX THEY RECEIVED A FULL PAY OFF FROM MY INSURANCE COMPANY FOR A TOTAL LOSS. THIS PAYMENT WAS RECEIVED ON XX/XX/XXXX. I HAVE A FULL CALL RECORDING OF THE REP FROM XXXX XXXX VERIFYING THIS FOR ME. IF THEY RECIEVED A FULL PAYOFF AMOUNT THAT THEY GAVE MY INSURANCE COMPANY THEN HOW CAN THEY REPORT ME AS BEING LATE WHEN THE CAR WAS PAID OFF. 

THIS IS JUST ANOTHER REASON WHY XXXX XXXX AS A WHOLE SHOULD BE INVESTIGATED FOR TRYING TO COMMIT FRAUD AGAINST A PERSONS ACCOUNT. THEY HAVE SOME ILLEGAL REASON FOR WANTING TO REPORT MY WIFE AND I AS BEING LATE WHEN WE WERE NEVER LATE BY FCRA STANDARDS OF 30 DAYS LATE. 

I HAVE REACHED OUT TO XXXX XXXX XXXX OFFICES AND ONCE AGAIN ON A RECORDED CALL THEY VERIFY THAT I WAS NEVER LATE ON MY PAYMENTS AND YET THEY DO NOT WANT TO REMOVE THE 30 DAY LATE AS THEY KNOW THAT IT HURTS MY CREDIT FOR THAT TO SHOW UP EVEN THOUGH IT IS ILLEGAL AND INCORRECT. 

CALL RECORDINGS DO NOT LIE. THEM CASHING A CHECK FOR THE FULL PAY OFF BALANCE DOES NOT LIE BUT YET XXXX XXXX DEALER SERVICES REPORTS MY WIFE AND I AS BEING 30 DAYS LATE EVEN WHEN NO CAR PAYMENT WAS DUE FOR XXXX DUE TO THE CAR BEING PAID 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 non-monetary relief
Consumer complaint received 2022-02-16 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My credit was dropped by XXXX points related to a mistake that Chase made in accordance with " The Fair Credit Reporting Act ''. I spoke with Chase on XXXX, at that time the representative told me that the 60 day late fee was an error and that they would send a letter to me for my records and remove it from my credit report. On XX/XX/XXXX, I called again twice to see when I would receive this letter and and the correction to my credit report. They could not see a late payment and assured me that this was an error on Chase 's end. On XX/XX/XXXX, I called again and spoke with a man in the Credit Reporting department. He informed me that there was a late payment, and that he could not assist in removing it. On XX/XX/XXXX, a Credit Law Litigator informed Chase was not following the Fair Debt Collections Act, The Fair Credit Reporting Act, the Fair & Accurate Credit Transaction Act, nor the Federal Trade Commission rules. It was required that Chase contact me, which they did not, that they send letters- which they did not, and that they can not continue to charge me fees when attempting to withdrawal from an unused account. On XX/XX/XXXX, I spoke with XXXX in Chase 's Credit Reporting department, she stated that letters were mailed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. She stated that these letters were mailed and when I told her that they were not, she stated that she would mail them to me. I then asked for a supervisor. I spoke then with XXXX in Credit Reporting department, who stated that no letters were mailed and that no calls were placed. She then hung up on me at XXXX. I then called back asking to speak to someone that handles complaints, I spoke with XXXX, who noted my compliant but did nothing to resolve the issue. At this time, per the litigator, I told them that we would be seeking punitive damages, all court costs as they admitted multiple times on a recorded line, statutory damages and attorney fees as is allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I opened a Chase Bank business account on XX/XX/XXXX under my name XXXX XXXX and the name of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX - XXXX ), which has a sole member me. I deposited a check for {$40000.00} around XX/XX/XXXX. The check was from my brother 's business for us to do business together buying rental properties in the XXXX area. Shortly after I opened, I was told that I need to provide proof of my business by I was overseas at the time from XX/XX/XXXX - XX/XX/XXXX and could not come into a branch to provide the proper documentation. When I arrived back I went into a branch to ask about my check and was told it would need to be verified. After some weeks of back and forth, Chase finally called my brother 's business to verify the check. Once that was done I called Chase again to ask for the check and was told that I needed to provide verification of the business to link the check with the business. I went into a branch and provided them with the IRS issued XXXX number along with 2 forms of ID ( driver 's license and credit card ). The branch said that as soon as the document was uploaded my check would then be issued. I called today ( XX/XX/XXXX ) to ask about the whereabouts of the check and they told me once again that I needed to verify my business. I was told because the name they have on file was XXXX XXXX XXXX and not what I had provided which was the XXXX XXXX IRS document that only had XXXX XXXX I would need to provide further proof that my I was me. Despite the fact that all the documentation has the same address, DOB and everything else matches except the M for my middle initial. I have now been told the best way to resolve is to open up another business account so they may transfer the funds to that account. I have spent hours trying to resolve this issue as the customer service line is usually 3 hour wait to get through and am now desperate as I get the feeling the bank is really trying to just keep the money. 

I have called the company countless times to try to resolve the issue however each time I call I am told that I need an additional piece of information in order to get my check back. This issue has been going on for more than 2 months and I am just getting the run around from the company.

Company response to consumer: Closed with explanation