vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN credit bureau, continues to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.

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 2021-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The chargeback was initiated by a customer it paid me for non-refundable services the bank withdrew the amount of the charge back from my account and requested that I send in the supporting evidence documentation for the chargeback I submitted the paperwork over 15 pages to the bank twice exactly the way I was told to submit it and have proof that I submitted it before the required date and time when I called to check to verify that they received the paperwork I was told to submit it one more time which I have proof off as well then I called back to verify they received all supporting documents and I was told but they cant find them I did its too late I already lost the case because I didnt submit the paperwork on time I had to supervisor who told me to send him the proof that I sent the paperwork on time and that he would help me out well look into it I waited several days he never called me back I called them back and escalated the situation to even a higher authority was told they would call me back they did not call me back either escalated it a third time and Im still waiting for a response its their faultThe banks fault for losing my paperwork not mine I sent it to the appropriate phone not fax number on time and have proof why should I be the victim Im losing this money and now they wont even call me back every time I call Im told some lousy excuse and given the runaround please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This account is not my account and I don't know who's been using this card or paying on it but its not my card. I've called Chase over and over but they haven't taken any steps to remove this from my credit report. Please remove this card from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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:
XXXX XXXX XXXX has reported my account 30 days past due which is false I send in a payment before XX/XX/XXXX and the company lost it in there system and today on XX/XX/XXXX the company reported my account 30 days past due and this company dont take debit cards and dont have a phone number to call to make a payment and I dont have a linked checking account and I sent them proof of my money order 3 times and I dont get a response back and some would told me they cant do anything to fix my error on my credit report both Experian and XXXX  this is hurting my credit and I dont want do any business with this company and I want them to fix the error and delete my account they give out small loans and they dont have a phone number and unable to accept both of my debit cards ..

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 2021-09-02 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:
There are fraudulent accounts on my credit report and I have disputed these information with all three bureaus. Only XXXX  has complied and blocked the information, however XXXX  and TransUnion have failed to comply with the FCRA and remove these accounts. I have filed a police report with XXXX and also a FTC report and forwarded them to the bureaus, however they keep making unreasonable and unrealistic statements such as the report not being valid. Please investigate this issue and help me have these accounts removed

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 2021-09-02 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: Credit Lending Services Inc.
State: CA

Complaint narrative:
The duration of the loan is 36 months, which I just completed. I was accessed and paid late fees every month that I was unable to pay my bill on time due to the pandemic. My vehicle was repossessed during the time I was waiting for my unemployment benefits to kick in. I got the vehicle back when I received the benefit, paid all outstanding bills before the vehicle was released to me. To my surprise after making the last payment on the loan which was the end of XX/XX/2021, I was told that I still have a balance of over {$1300.00} before I can get the title to the car. I asked for the breakdown of the claimed balance and they told me {$500.00} for repossession fees, {$120.00} for changing the lock on the car, other unexplainable fees and accumulated late fees. How can I have accumulated late fees when I paid late fees every single month that I was late? Why charge me repossession fees twice when I paid what the company asked me to pay before the car was released me? I need clarifications on these matters. Thanks for your intervention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
Greetings. These companies work together, as I understand ( Freedom Debt Relief and XXXX XXXX XXXX ). 
I became their client on XX/XX/XXXX, but later the customer service become confusing and absent. 
First, the person who signed my account totally disappeared ( Mr. XXXX XXXX ), without any explanation : telephone disconnected ( XXXX ), and no email reply : XXXX. 
When I finally could reach some of his colleagues ( XXXX XXXX and XXXX XXXX ), they did not offer any good explanation, and just asked me to contact Freedom Debt Relief. 

Then, whenever I email Freedom Debt Relief ( the company I see in my account online ), they do not reply my emails. For the last month, it took me THREE long phone calls to get an update about my consolidated debt. They promise to get back to me, and they do not. So I always must call AGAIN AND AGAIN. 
I have mentioned this to them ( today, to supervisor XXXX XXXX ), and they do not seem to care. Meanwhile, they take {$360.00} from my account as a direct deposit, on time, every month.

I feel totally neglected. Right now they have {$3000.00} on my " Dedicated Account ''. In my previous call ( XX/XX/XXXX ), the representative said that that was an " enough '' amount, and that somebody would contact me ... Nobody did. Meanwhile, they keep my next negotiation on hold. On today 's call, just 9 days later, XXXX said the amount was not " enough ''. Very confusing. 
They should be more serious about following up, and reply my questions professionally on time, as I work hard and do my monthly payments to clean my debts. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I was in the process of paying off other accounts that I needed to pay to secure a loan. In the process, I called the company that had an old account that was in the bankruptcy department in order for me to speak with this department I had to give my name and the representative on the line attempted to gather more information from me to search for other accounts after insisting that I speak with a supervisor and telling the woman I am calling for the bankruptcy department she had to transfer me. After that call, the same company went and just out of the blue put an old account on my credit report out of nowhere. When I called them and told them I had no knowledge of this account and I had never received a bill from them or never opened an account in 2020 I had no idea what this XXXX bill was. I told her that they must be trying to collect on a very old debt or it wasn't mine she said no I see your other accounts those we can not sue or collect from you on but this one.I am telling you we can. I ask her to send me proof of this account being mine and they never did. But they are still reporting against me just out of the blue. I tried disputing it with the credit agency but they just keep putting it back up there even tho the company still has not provided proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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 — Other problem getting your report or credit score
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hi, I applied for Hyundai XXXX online on XXXX of XX/XX/2021 at XXXX. They took my information to per-qualify me. Although my credit score was excellent they rejected my application for no possible explanation and asked me to call Hyundai in XXXX. 
I called them and they told me they don't have this car in their storage for a long time and they are not going to have it in the near future. They didn't even tell me when they can bring this car. 
My question is that when they don not have this car, then why they still accept an online application?! And worse, why they run TWO hard inquiries?! 
They should have noticed me that this car is not available.

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 2021-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is so unethical! I had VA home loan through them. I sold my house for EXACTLY what was owed on my loan. Fast forward 4 years later I apply for a new VA home loan and find out after I closed Wells Fargo billed the VA for XXXX. I asked what it was for and they have no information. They basically say when banks bill them they just pay it. I call Wells Fargo and they cant give me a breakdown. Just say fees. They are fraudulently billing the VA and getting money! Most unethical company I have ever seen. I can only imagine what they do to people that bank there.

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 2021-09-02 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called Navy Federal over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/FORTIVA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was logged out of my coinbase.com account and lost access to it. This was because my phone number was sim swapped and someone got my personal information. I was sim swapped on XX/XX/XXXX and this happened on the XXXX of XXXX of this year ( 2021 ). I had close to {$8000.00} in Bitcoin in my account. I emailed Coinbase.com multiple times but no response has been received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted written requests to all 3 Credit Bureaus disputing inaccurate information that should be removed and it has been 30 days with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. Someone I do not know hacked my computer and made fraudulent charges on my account and I now have been receiving credit bill statements. The fraud was made on XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The Fraudulent Activity happened on XX/XX/2018. I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know.

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 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
Sequim Asset Solutions LLC reference # XXXX creditor account # XXXX they are sending me an account that is not mine and has been settled by a company such as XXXX after switching so I am assuming this is fraud As I do not owe XXXX XXXX XXXX any money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The company Experian erroneously said that I asked for XXXX child support accounts to be removed which I did not! I requested that they update the monthly payment amount. Experian has my monthly payment of over {$47000.00} per month therapy making my debt to income ratio inaccurate. My monthly payment for the accounts are only {$300.00} not {$40000.00}. I simply want my payment amount that is arranged by the court of law is law to be corrected. I provided the court order of the arranged payment amount which explains which experience is not showing accurately therapy violated is thereby violating the laws of FCRA. 
, ,Experian shows my Monthly Payments is {$47000.00} which is {$570000.00} per year on my credit report. 
There is no possible way that I make monthly payments of that amount or even be charged that amount when I have a legal payment arrangement of the actual payment. Experian is ruining my credit and reputation by stating that I have that amount of payments per month. I have provided PROOF form the furnisher that I pay {$300.00} per month on these accounts through a legal court order. The furnisher even told me that they told Experian these facts however Experian REFUSES to reflect the legal paperwork that was supplied to them by me AND the furnisher. Please update my credit according to the FCRA. If a consumer reporting agency ( EXPERIAN ), or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. The costs of an Experian credit report error in my case include : 1. A lower credit score 2. Higher interest rates for your credit card, private student loans, and home mortgage 3. Higher insurance premiums for your home and car 4. Loss of a job opportunity 5.Denial of loan and credit applications I am confused as to why Experian would just update my CORRECT monthly payments?

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 2021-09-02 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:
This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called XXXX XXXX over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CA

Complaint narrative:
This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called XXXX XXXX over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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:
This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called XXXX XXXX over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
DEPARTMENT OF EDUACATION/NAVIENT,, continues to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX credit bureau, continues to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.

Company response to consumer: Closed with explanation