vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 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: FL

Complaint narrative:
i have asked the credit bureaus to show me how they have validated the negative accounts on my credit report. i have sent them 2 separate letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated.

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 2020-12-03 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: OH

Complaint narrative:
On XX/XX/XXXX I submitted a letter to all 3 credit bureaus about removing unauthorized inquiries from my credit profiles. I only received a " verified '' response. I sent a follow up asking who did they verify with. No response. On XX/XX/XXXX I again submitted to have these unauthorized inquiries removed from my credit reports and and yet again they come back as verified. They have done no due diligence in verifying these. I have contacted the companies themselves and they do not have anything with my signature or ID attached.

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 2020-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NV

Complaint narrative:
I took out a loan years ago, and I did not pay it off. I was unaware of this outstanding debt until recently. Today I received an email saying legal action was being taken if it was not paid TODAY XX/XX/2020. I have responded to the email numerous times and called the number listed in the email but can not reach anyone. I did a XXXX search and found that loans through Ace/XXXX  have been subject to fraudulent scams like this, so I did not want to move forward with resolving the issue until I know it is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland credit management called in XXXX was very rude to me ..asked very personal questions. I got very upset explained why i wss in debt i tried paying it back thru a debt relief co that stole my money. Now im on my own. So i made payment arrangements of XXXX a month Since then they have shut offmy account now 2 times all within 3 months. Because they want XXXX up front paid in full. 
I want the games to stop. I dont have time to play. The bill was on automatic draft out of my account. 
I have proof. This is ridiculous. 
Im not calling because the ladt time they said they received no payment when i had my bank statement in my hand and i told them it was taken out on the XXXX as it was agreed to. 
Well. I guess this is all a game to them but its not to me. 
I have been in financial hardship trying to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Tried to log in to my account online and on App, received a message : = [ We locked your account to protect it from suspicious activity. To unlock it, call XXXX. ] = called the number XXXX, 4 times on XX/XX/2020, twice a gentleman answer, then hang up on me, the third someone answered with noise in the background and laugh then hangup again, the fourth time the same thing happened. 

very unprofessional and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Credit Karma, LLC
State: OK

Complaint narrative:
I have gone to XXXX, used credit karma, XXXX, called my bank where I got my credit card, and everywhere they have sent me to no avail. I can not seem to be able to get a report since every time they say I use incorrect information, even though it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
There is an account reporting on my credit file that came from a place called XXXX XXXX. The collection company keeps reporting it with a new open date and reaging the account This National Credit Adjutsment place. That is illeagal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When purchasing from XXXX XXXX  I was unaware the winery was closed. I received an email 1 week before my tour about my cancellation due to the winery being closed. I also was asked if I wanted a voucher. I declined and asked for a refund. I got no response till this day. Due to covid-19 I am tight finically. I feel its unfair to pay for a service I never received. The company failed to let me know they were closed but still selling tickets. I would have never purchased.I was told by the bank they offer no refunds in there policy however Due to the i preempted situation I believe they should have an exemption.

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 2020-12-03 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: FL

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  DOC ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
The Apple Bank branch on XXXX XXXX is closed again due to " the impact of Covid 19 in this area. '' There is no special impact of Covid 19 in this area at this time. It is not a yellow, orange or red zone, does not have positivity rates larger than other areas of the city, if anything they are smaller. 

When their branch is closed, many services are unavailable. Their online options are limited and the amount of cash withdrawal allowed from the ATM is limited. 

They were already open for very limited hours before this ( about half of their prior availability ) and it is making it very hard to continue to bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am attaching a copy of my most recent correspondence to a credit line provider, Shellpoint, regarding their incorrect reporting to credit agencies for my loan for a property in XXXX. I have not received a reply since sending this communication back in XXXX and have paid that line off completely since. Evidently, my plea to right their entry on my credit report has been ignored by the lender. Details of the request below : I reached out to Shellpoint to clarify the fact that the missed payments on my loan # XXXX were reported on my credit report despite the loan 's having being discharged in the bankruptcy of my co-borrower. 

In the attached communication to the company, I detailed the circumstances of this loan and all of my bone fide efforts to regain control of the property and my eventual successfully executed transfer of title to my own 100 % ownership through a quit claim deed signed by the bankruptcy-discharged co-borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am attaching a copy of my most recent correspondence to a credit line provider, XXXX, regarding their incorrect reporting to credit agencies for my loan for a property in XXXX. I have not received a reply since sending this communication back in XXXX and have paid that line off completely since. Evidently, my plea to right their entry on my credit report has been ignored by the lender. Details of the request below : I reached out to XXXX to clarify the fact that the missed payments on my loan # XXXX were reported on my credit report despite the loan 's having being discharged in the bankruptcy of my co-borrower. 

In the attached communication to the company, I detailed the circumstances of this loan and all of my bone fide efforts to regain control of the property and my eventual successfully executed transfer of title to my own 100 % ownership through a quit claim deed signed by the bankruptcy-discharged co-borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: FL

Complaint narrative:
i have asked the credit bureaus to show me how they have validated the negative accounts & the bankruptcies on my credit report. i have sent them letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated. in addition, XXXX XXXX Courts do not verify bankruptcies via 3rd parties, so how are they being validated as accurate? no proof has been furnished to support the accuracy of these accounts being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.

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 2020-12-03 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: NV

Complaint narrative:
Went to deposit money in the ATM machine. As soon as I inputted my cash into the slot it produced an error ( took photo ). The machine said to call the number and it would print out a receipt to this. Machine did not put out a receipt nor could I get a hold of anyone related to this matter during this time. Finally spoke to someone in tech support so informed me they couldn't do anything and I would need to call the card department in the morning. Called and was told the money would appear in my account 12 hours from now ( Reference number : XXXX ). Money has yet to appear in my account. I have bills to pay so these is causing a financial burden on me and bank is not crediting me for the money i deposited. Bank has unjustly enriched themselves and continues to operate the same faulty ATM machine. This machine is located inside their branch so there are cameras to prove this traction. I also took a picture of this error as to shoe the error and the exact, time, and location this error occurred to prove this money was deposited. The bank knowing this information to be true continues to pray on people. 
Once this occurred. I contacted bank first thing is the morning. Bank promised to put funds within 12 hours in my account. It has been over 36 hours now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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.

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

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 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX called in XXXX was very rude to me ..asked very personal questions. I got very upset explained why i wss in debt i tried paying it back thru a debt relief co that stole my money. Now im on my own. So i made payment arrangements of XXXX a month Since then they have shut offmy account now 2 times all within 3 months. Because they want XXXX up front paid in full. 
I want the games to stop. I dont have time to play. The bill was on automatic draft out of my account. 
I have proof. This is ridiculous. 
Im not calling because the ladt time they said they received no payment when i had my bank statement in my hand and i told them it was taken out on the XXXX as it was agreed to. 
Well. I guess this is all a game to them but its not to me. 
I have been in financial hardship trying to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Bureau of Med Economics. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 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: TX

Complaint narrative:
Experians web site posts your FICO score as one value but provides a different, lower value to lenders. Their explanation is that the posted value is a CONSUMER score, not a FICO, however their website specifically says FICO score. So, believing I had a qualified score, I applied for a VA refi with XXXX, only to be told my " FICO '' score provided by Experian was almost 50 points lower but offered a refi at a rate higher than for which I believe I would have qualified. This smells of a bait and switch scam between Experian and the lending industry.

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 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020, I tried to purchase a vehicle through XXXX Pay for {$4700.00} and that same day the money came out of the account. The guy I paid claimed he never received payment for almost a month, so on XXXX/XXXX/2020, I filed a dispute with my USAA. The money was returned to my account on XXXX/XXXX/2020. On XX/XX/2020 the dispute was closed. Then today, XXXX XXXX, 2020, they reversed the credit and sent the money back to the guy without any notice, causing my rent to bounce. I called and spoke to customer service who told me there " was nothing they could do, but would be happy to put in a re-dispute '', which I did. Then I called back to speak to someone in management where I was told that they dont put calls in to management. Instead I spoke to an " Executive resolutions specialist '' who again reiterated that I could put in another dispute and that the receiving bank had submitted supporting documentation to support that I had received services. I do NOT have the car, and he has since sold it to someone else. Basically USAA stole {$4700.00} out of my account and they are basically telling me I have no recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under CMRE. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Greetings, I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$170.00} XXXX  BXXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$740.00} written off. 

XXXX XXXX  XXXX XXXX XXXX {$3000.00} XXXX XXXX  XXXX  XXXX  XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX  XXXX {$47.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- -- ALL THESE PHONE # ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL THESE ADDRESSES LISTED AND THESE ACCOUNTS LISTED ABOVE ARE NOT MINE ^^^

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