vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a SBA loan for my XXXX. JP Morgan Chase bank is holding my funds because they stating that the funds was deposited into my personal account. I was told that is that is not legal and I would have to obtain a letter form a lawyer or cpa stating my business is legit. I provided them all the documents I submitted to SBA as well as my contract from SBA They told me this is not sufficient. I contacted SBA that told me that this is not illegal. I went into a branch talk to a banker and explain to them what SBA expressed to me but they stated its nothing they can do. They are now in the process of closing my and the funds will just stay there until whenever. My daughter 's high school account is restricted too. They will not allow her to get her neither. I need to pay my employee and not able to. I feel this is part of Systematic Racism and they are giving minorities a hard time. I have been a customer of Chase bank since XXXX. 

Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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:
This is not my account. Please provide verification, method of verification and validation f debt. There are errors in this account it has no " late payment dates ''. Please remove ASAP. 


XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND 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 explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have been disputing this account since 2015 and they would not remove it cause its not mine and I have never lived in Ga before so I have been trying to get them to remove it and show me proof that I open this account and they cant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2020 an individual impersonating another individual scammed me into sending an ACH payment of {$150.00} USD through PayPal Friends & Family. 

I have notified PayPal and they are investigating, but doing a lackluster job. 

Through personal research, I know this individual is named or uses the alias XXXX XXXX XXXX. I know he uses the email addresses XXXX, XXXX, and most recently XXXX in his scams. 

S/he also uses the online moniker @ XXXX. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NM

Complaint narrative:
Kia Motor Finance mailed checks refunding to me three of my on-time payments and then falsely reported me to credit agencies as having made late payments. 

I mailed to Kia an official dispute ( see attached ), and rather than correcting their error, they denied my dispute ( see attached ).

Kia changed my account number without explanation or reasonable notification. Kia did not notify me that they would reject payments to the old number. Kia included with the refund checks no explanation as to why they were sent. Kia did not simply forward my payments through their accounting system to the new account number.

Kia 's telephone support personnel repeatedly asked me if I had traded in my vehicle or initiated some kind of change, and I informed them I had made no change whatsoever. They commented that such a change in account number is unusual. The fact that they all regarded the change as unusual, after having had a great deal of difficulty even identifying their changed number as the cause of the problem, highlights that Kia caused the problem.

If a problem occurs, and Kia is even SLIGHTLY at fault, I would hope they would not blame me. While I wish I had detected the changed number on the bills and intervened to change the apparently crucial account check memo number on my XXXX  XXXX XXXX electronic check payment, in this situation, Kia was not slightly at fault, but LARGELY at fault. 

Even if the fault is debatable, it gains Kia nothing by refusing to retract their adverse credit agency reporting against me, and may lose me as a customer forever. In spite of being repeatedly told by their phone representatives Kia would waive late charges, late charges are still appearing on my bill. 

See attached documents for dates, addresses, and evidence from Kia 's own web site for received payment dates.

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 2020-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX I have Citzin bank account. On XXXX XX/XX/2020 A friend of mine transfer {$200.00} through XXXX to my account the next day on XX/XX/XXXX {$200.00} was reversed I contacted my bank XXXX XXXX and I went to the Branch in XXXX Massachusetts to find out or gresolve this matter but theres no any solutions through XXXX or my XXXX XXXX XXXX and my friend contacted his bank which is XXXX XXXX XXXX there is no trace of this money I would like you to file a complaint to see what is this money one thank you XXXX ( XXXX ) XXXX Email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: OK

Complaint narrative:
My credit report says that I am deceased but Im not.So it will not let me access my credit report.This happened at XX/XX/20

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is not my account. Please provide verification, method of verification and validation f debt. There are errors in this account it has no " late payment dates ''. Please remove ASAP. 


XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
hey, i wrote a dispute about inaccurate personal information on my credit XX/XX/2020 and i still havent recieved a response. under the FCRA the company involved is suppose to respond within 30 days and have not done so. i would like this information deleted immediatly please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: CA

Complaint narrative:
This is regarding TransUnions Response to my CFPB Complaint ID XXXX submitted on XX/XX/2020 regarding my mortgage account, XXXX XXXX, which TransUnion responded by correcting the errors on my credit report as of XX/XX/2020 and closed the complaint. 

However, TransUnion overlooked one item on my XXXX  account that was not corrected : In " Terms '' - it still reports the word " Deferred ''. Therefore, TransUnion needs to correct this error by deleting the word " Deferred ''. 
Delete DEFERRED thats still reporting under the TERMS Section on my report. I have attached my TransUnion credit report dated XX/XX/2020 to show this error. 
I have also attached my CFPB Complaint ID XXXX to show TransUnions Response on XX/XX/2020 which reported the following -- - We received notification from XXXX : The following have been updated : the payment history has been added from XX/XX/2020 to XX/XX/2020, the balance updated to {$700000.00} and the creditor remarks PDE ( payment deferred ) and AID ( account information disputed by consumer ) have been deleted from your TransUnion credit report. 

I hope to receive an immediate response to correct the above error as this will finally clear my credit report of all inaccurate information on my XXXX account. I thank you in advance for your time and effort in concluding this matter.

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 2020-08-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We started working with XXXX XXXX of XXXX in XXXX to secure financing in advance of finding a vessel after we sold our existing vessel. 
We gave them all of our financial info, credit scores, etc. and requested no hard inquiry on credit bureaus until we actually sold our boat and found the new boat we wanted. 2 weeks ago we sold our boat, and found the boat we wanted. We were XXXX and XXXX credit scores, we are putting 50 % down on the new boat, have plenty of income and no debt. One 5 year boat loan that has always been paid on time and will be paid off in 2 years. 
We were informed Monday XX/XX/XXXX that nobody would touch our loan because we pay everything off monthly, we have no debt, and theyve never seen a credit history like ours before. 
We secured financing from our own credit union that day. I was mad but we moved on. 
Now we are getting hard inquiries days later and my credit score has dropped XXXX points. Why would that be happening after they told us no one would touch us and weve moved on?

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 2020-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
Exeter finance is deleted off my XXXX  report but they did not deleted off my XXXX   or XXXX  report cause if the account was valid they wouldnt had deleted off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I refinanced my student loans with SoFi in XX/XX/XXXX. The loans were originally federal loans held by XXXX XXXX. The amount refinanced was {$31000.00}. 

At the time, SoFi aggressively marketed their loans, advertising that they could save customers thousands of dollars with their lower rates. They never clearly communicated to me the risks of losing the benefits that could potentially be offered by the federal government : for example the recent laws passed and executive orders signed granting relief from payments and accrued interest, and the possibility of student loan forgiveness. This information may have been in the fine print, but they did not make efforts to make it apparent. I reviewed all the email communications I received when initiating the loans and this information was not presented.

SoFi is now adding this kind of disclaimer to their marketing efforts ( see attached ). This disclaimer is now on at least one of their websites : " NOTICE : Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until XX/XX/XXXX. Please carefully consider these changes before refinancing federally held loans with SoFi, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans. '' SoFi is allowing some forbearance ( 60 days ) now but they are not halting the accrual of interest ( see attached ). 

I believe that by not explicitly warning their customers about the risk of losing these benefits they are engaging in predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: IA

Complaint narrative:
I have inquires listed on my credit file that do not belong to me. I have sent letters to Equifax to get them deleted and they are just ignored. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the companies. They stated that a dispute needs to be filed with equifax. Factual record of file access is not factual when its fraudulent inquiries. FCRA states that the CRA must investigate any inaccuracies reported on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX / Synchrony Bank issued a zero interest loan for purchases made in XXXX of XXXX, until XX/XX/XXXX. 
Initially the monthly payment due was {$45.00}. 
I set up BiWeekly and Monthly electronic payments with my bank for a total of {$55.00}. 
These electronic payments would debit from my account in one, but never more than two days. 

In XXXX of XXXX, Synchrony Bank arbitrarily raised the monthly amount due to {$53.00}. 
Synchrony Bank 's arbitrary raising of the monthly payment was an attempt to collect fees on an account that does not provide Synchrony Bank interest or fees of any kind. 

In XXXX of XXXX, Synchrony Bank debited a payment from my bank account on XX/XX/XXXX ( the due date ). 
On XX/XX/XXXX, Synchrony Bank posted the XX/XX/XXXX payment to my Synchrony Bank account, and then imposed a {$28.00} late fee, even though Synchrony Bank received the bank funds on XX/XX/XXXX. 

Synchrony Bank then raised the monthly amount due in XX/XX/XXXX to {$66.00}. 
The late posting thus incurring additional late fees and then interest. 

The late posting of the XX/XX/XXXX payment to the Synchrony Bank account is predatory in nature and an attempt to obtain fees that the zero percent account would not normally afford Synchrony Bank. 

This is a common and ongoing practice of Synchrony Bank, and needs to cease. 

These fees now total {$230.00}, and are continuing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 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: GA

Complaint narrative:
i wrote a dispute letter XX/XX/2020 with no reponse and its law that they have 30 days to give me feedback.

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 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
A collection account was added to my XXXX XXXX and does not show up on other bureaus. They have verified as accurate. But have not provided me with any information. I called the company directly and they said I called in yesterday, which I did not. They couldnt give me any information other than dispute, which I already have, police report, of identity theft 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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has been resubmit or reinserted to my Transunion Account without my knowledge or consent without notice within 5 business days of reinstatement. The is a violation of FCRA rules. TransUnion is intentionally violating FCRA rules section XXXX Notice that this account has been reinserted and remove numerous times from my TransUnion credit report. 

Please see attachment ; After being removed on XX/XX/2020 XXXX XXXX XXXX XXXX was the reinsurted again without my knowledge on XX/XX/2020, Account was then removed On XX/XX/XXXX for violation. And today again XX/XX/XXXX for you XXXX XXXX XXXX  has been reinserted without five business day notice. A violation of FCRA rules section XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC
State: OK

Complaint narrative:
This company contacts me daily and is starting to harass known associates as well. When I ask what this is in regards to they just tell me a dollar amount that I " owe them '' and says they will sue me. The reps I have spoken to have been very rude and unprofessional. There is nothing on my credit report and I have no outstanding debts, and yet this unlicensed " collection agency '' keeps harassing me and incorrectly quoting the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had 2 CDs mature at Capital one. Each have taken an unreasonable amount of time to receive the proceeds/principle requested upon maturity, both requests made the morning that the CD 's matured. 
CD # XXXX ( APR 2.50 % ) opened XX/XX/XXXX and matured on XX/XX/XXXX, but was not paid into my Capital One checking until XX/XX/XXXX, and no provision for interest earned for 4 days was made for the period from XX/XX/XXXX to XX/XX/XXXX. Interest for 4 days on {$230000.00} is approx. {$64.00}. Request to close CD and transfer funds made XXXX XXXX  on XX/XX/XXXX. Interest was requested for 4 days on XX/XX/XXXX. 
The second CD # XXXX ( APR 2.30 % ) was opened on XX/XX/XXXX and matured on XX/XX/XXXX and funds were not received until XX/XX/XXXX. Request to close CD and transfer funds made XXXX XXXX on XX/XX/XXXX. Approximate interest for 7 days on {$100000.00} is approx. {$46.00} for the period from XX/XX/XXXX to XX/XX/XXXX. 
Numerous follow up calls were made to receive the original principle, and each day I was told that the back office was backed up. 
I was also negatively impacted regarding CD ending # XXXX, as I had intended to fund an annuity outside of Capital One, and had to make exceptional arrangements, since I didn't have access to the funds that were due me on the promised date. 
The following case numbers were furnished, and multiple phone calls were made to secure funds and interest, however no follow up has been made despite numerous promises to get back on the interest request. 
The following case numbers were submitted beginning XX/XX/XXXX and also submitted on XX/XX/XXXX : Case # XXXX, XXXX, XXXX, XXXX. Response was promised to cases opened within 15 days, and to date, no response has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
Debt assigned to my account in error. Debt listed in another persons name but assigned to my account. Company say I owe debt but debt is not in my name. Debt is in another person name. Debt is showing owed by a XXXX XXXX. I am unaware of who is this person. I am also unaware of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: SC

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

Company response to consumer: Closed with explanation