vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX/ XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is violation of my consumer protection rights.

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 2020-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Paypal accused me that I owe them money from another Paypal Account that was opened fraudulently the negative balance was {$440.00} I'm a victim of Identity theft!!! I filed a Identity theft complaint to the Federal Trade Commision included is the fraudulent claim Paypal Account was opened in my name. I also contacted the Consumer Financial Protection Bureau about the Fraudulent account and how you withheld money from my account without my consent due to Identity theft. I forwarded all my documents to my lawyer, If the limitations and my money isn't released expeditiously I will sue PayPal and take Paypal to court. This is not a threat or intimidation tactic to gain access to my MONEY. Looking forward to hearing from you and this issue will be resolved without legal action!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I spoke with Bank of America 's representative XXXX XXXX about financial hardship my family has been experiencing. I explained that I lost my job and my husband lost half of his income since Covid-19 started and I needed help not to get behind. She told me the only thing they can do is to put me on the plan that will lower my monthly payment by a slight amount and I will still be responsible for all late payments and fees without any lowering my super high interest rate. I explained to her that it will only make the situation worse and incrrase the debt when I wont be able to make a minimum payment. Ms. XXXX repeated that she cant do anything else and when I asked her to speak with her manager she said she is the only one I could speak with.

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 2020-04-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
A XXXX auto loan was already on my Experian file as a derogatory mark for seven years. 
The auto loan account fell off my file several months ago once the seven year marked had been reached. Experian will not remove the account from my file as I had previously disputed the dollar amount.

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 2020-04-15 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: AR

Complaint narrative:
PLEASE BE ADVISED THIS IS MY 2ND AND FINAL ATTEMPT IN TRYING TO RESOLVE THIS ISSUE. XXXX, XXXX, AND EXPERIAN WAS NOTIFIED OVER 30 DAYS AGO ABOUT THESE FRAUD RELATED ACCOUNTS DUE TO IDENTITY THEFT BUT YET HAS IGNORED MY DISPUTE. ACCOUNTS XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, WERE ALL INCLUDED ON MY MOST RECENT IDENTIITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION. ALL THREE OF THE MAJOR BUREAUS OR CONSUMER REPORTING AGENCIES HAS NEGLECTED THE FAIR CREDIT REPORTING ACT SECTIONS 605B, 609, AND 611. I HAVE NEVER RECEIVED ANY MONETARY RELIEF, MONEY, GOODS, OR SERVICES ASSOCIATED WITH THESE ACCOUNTS, I HAVE NO RECOLLECTION OR RECALL OPENING ANY OF THESE ACCOUNTS WHAT SO EVER. THESE ACCOUNTS HAVE BEEN THE DIRECT RESULT OF IDENTITY THEFT AND I HAVE BEEN A VICTIM. I HAVE ALSO INLCUDED FRAUDUELNT ADDRSSES THAT HAVE YET TO BE UPDATED OR REMOVED AS PER MY REQUEST 30 DAYS AGO. THIS IS A CLEAR VIOLATION OF THE LAW AND THE BUREAUS MUST BE HELD LIABLE.

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 2020-04-15 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: AR

Complaint narrative:
PLEASE BE ADVISED THIS IS MY 2ND AND FINAL ATTEMPT IN TRYING TO RESOLVE THIS ISSUE. XXXX, EQUIFAX, AND XXXX WAS NOTIFIED OVER 30 DAYS AGO ABOUT THESE FRAUD RELATED ACCOUNTS DUE TO IDENTITY THEFT BUT YET HAS IGNORED MY DISPUTE. ACCOUNTS XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, WERE ALL INCLUDED ON MY MOST RECENT IDENTIITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION. ALL THREE OF THE MAJOR BUREAUS OR CONSUMER REPORTING AGENCIES HAS NEGLECTED THE FAIR CREDIT REPORTING ACT SECTIONS 605B, 609, AND 611. I HAVE NEVER RECEIVED ANY MONETARY RELIEF, MONEY, GOODS, OR SERVICES ASSOCIATED WITH THESE ACCOUNTS, I HAVE NO RECOLLECTION OR RECALL OPENING ANY OF THESE ACCOUNTS WHAT SO EVER. THESE ACCOUNTS HAVE BEEN THE DIRECT RESULT OF IDENTITY THEFT AND I HAVE BEEN A VICTIM. I HAVE ALSO INLCUDED FRAUDUELNT ADDRSSES THAT HAVE YET TO BE UPDATED OR REMOVED AS PER MY REQUEST 30 DAYS AGO. THIS IS A CLEAR VIOLATION OF THE LAW AND THE BUREAUS MUST BE HELD LIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
A Santander auto loan was already on my XXXX file as a derogatory mark for seven years. 
The auto loan account fell off my file several months ago once the seven year marked had been reached. XXXX will not remove the account from my file as I had previously disputed the dollar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
I am in the XXXX  industry and have been deeply affected by the Coronavirus, likely more than most. I am a XXXX XXXX as a XXXX XXXXXXXX and XXXX. I have lost 4 months of work and have even been rescheduling in the Fall and losing my remaining good Saturdays for the year. So I will not be making up that money. I filed for unemployment, but because I am XXXX and work in 2 states ( XXXX XXXX area strattles state line ), I was told I had to call in. The call line sends you to a machine which hangs up on you after directing you back online because they are swamped. So I said I only work in Kansas in order to submit it, but no response or check yet. 

We have XXXX  kids and a new home we bought in XXXX of 2019. Our mortgage company is Mr. Cooper. We have missed 2 payments of roughly {$1800.00} each, XXXX and XXXX, so far. I have tried calling, but they also have an automated message directing you back to online and hanging up afterward. But then I discover the only option is a forbearance, admittedly warning I may be disqualified from any stimulus or other aid if I fill it out. On top of that, they say quite sternly XXXX and repeated bluntly by the CEO in a video ) that it is NOT an extension of the life of the loan, but rather a normal extension, requiring a lump sum at the end of the 90 days. As if anyone is saving money right now and able to pay MORE when this nightmare is over! Thats illogical. It is mentioned that payment plans could be made, but this is not what you agree to in the application and it is so arbitrary it is unknown exactly what they could force you to do after agreeing to this form. This seems unwise to enter into. So for these terms, and the threat of not getting aid, I chose not to fill this out. I did however email them explaining this. I have not heard back and they are still not taking calls. 

We can not lose our home. And we can not pay a higher monthly payment. We are scared and dont know how to fix this. Meanwhile, the days are passing by and notices are flooding in. We have been able to pay all our other bills, but that will end this month if unemployment or a stimulus doesnt come soon. 

If anyone can encourage mortgage companies to extend the life of loans, it would help us immensely. I can only imagine how many people are being hurt by filling out this forbearance, which essentially gives zero aid, and only allows for a little time to then make their account current all at once, without any backpay to do so. It seems dishonest and taking advantage of many people forced to choose this only option. They should be held accountable for making things worse on hurting people everywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: NV

Complaint narrative:
I am proactively sending this with attachment as Equifax has already ignored my first submission of the FTC report attached to this complaint. Over the last 2-3 years, Equifax has repeatedly violated the rights afforded me via the FCRA and FDCPA. Equifax has reinserted information on my report without notifying me with 5 days after reinsertion. They have done this a number of times. When I address it with them, they say that they don't do things that way there. When disputing a fraudulent account, I asked Equifax why they state 30 days for the fraud dispute when FCRA 605b clearly states 4 days. The response again was that they don't do that there. I asked if they followed the FCRA at all. The response was they just do it this way. I once called and was told by an Equifax employee that they have been instructed to remove nothing from the files of consumers and that all negative information will report for 7-10 years depending on the type of account it is. I asked even if it's inaccurate or fraudulent. The representative said yes. I asked him if he was aware that was in violation of federal law and he said that he didn't care because no one will do anything anyway. He was right. I immediately asked for a supervisor and he placed me on disconnect ( hung up on me ). I called back immediately to report this to a supervisor and the supervisor would not take his name or agent number to look unto it. I called this in to your office and nothing was done. So as much as I feel like I am wasting my time, at least I am leaving a trail for when the time comes that I can have my rights defended and justice done. So, again, this is in advance of Equifax refusing to remove inaccurate, untimely, unverifiable, and fraudulent activity from my report. It is being done deliberately in the face of the CFPB and other agencies because you have become a joke to the credit reporting agencies- just another acronym powerless to uphold consumer rights. The incident described above happened after the XX/XX/2020 passing of the data breach claim. You have lost the luster with which you were created. Shame on you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I have a wage garnishment for XXXX XXXX XXXX, that is being garnished from my paycheck every two weeks. when I recently called Pressler and Pressler to see what was still owed I was informed that Im also being garnished for a credit card XXXX XXXX. I never was served. When asked what address the processor served the papers I was told an old address on XXXX XXXX in XXXX. But papers for the hospital came to XXXX XXXX XXXX XXXX in XXXX NJ. She said its a linked judgment, I was only informed about XXXX  XXXX  being garnished from my paycheck not XXXX XXXX. You cant have a linked judgment with a credit card and a hospital bill that is from two different entities. I just recently asked for validation of debt and disputed the debt as well. I was told the debt is almost paid in full and I shouldnt stop paying. But its a wage garnishment that was suppose to Be for XXXX XXXX XXXX only. She also told me the debt came into their office one year apart. This is in violations of the FDCPA underhanded collection practices. Collecting on two debts but making it looks as if its one debt. The collector told me I have been paying in this for years. And she never seen this happened before. If I didnt inquired about how much is left in this debt I would have never known I was also paying on the same wage garnishment a credit card. From my understanding in the state of New Jersey you can only have one wage garnishment so they combined the two to make it look as if its one without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: GA

Complaint narrative:
The OneMain loan is a predatory loan for the following reasons I will document below : - 69.2 % of my monthly payment is applied towards interests on the loan. 
- My average monthly payment is XXXX and XXXX is applied to the principal balance. 
- I contacted OneMain on multiple occasions to request a copy of my promissory note to understand why the bulk of my payment was applied to interest instead of the principal balance. XX/XX/XXXX, I emailed the company to document my attempt to understand what fees I am paying because the agents were not helpful via phone. I received a response back on XX/XX/XXXX stating [ my ] local OneMain branch is best equipped to work with your specific needs and answer any questions [ I ] may have.

- The branch called me during the workday and I missed their call. Each followup attempt I made to return their call was unsuccessful. 
- The company ONLY stores 12 recent billing statements on its website - My balance in XX/XX/XXXX was XXXX. To date, XX/XX/XXXX, my balance is XXXX. I have made 13 payments since XX/XX/XXXX totaling XXXX yet only XXXX have been applied to my principal balance. 
- It is frustrating and quite disheartening to deal with a company with such predatory practices. There should be better laws in place to protect consumers against companies that make it difficult to find disclosure information related to one 's loan, associated fees, and the interest rate. They do not share information about a consumer 's account with the consumer unless you physically visit a branch which is unbelievable in the year XXXX. 
- I sent another email on XX/XX/XXXX, to request my payoff amount and I will request a copy of my promissory note ... again. I would like an email with this information sent to me NOT a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX  on XX/XX/XXXX through Chase Bank, from XXXX XXXX XXXX in XXXX Tx. The loan was for drive out {$34000.00}, after talking to the finance man I was given a payment amount only. Next next day I saw a balance of {$40000.00}!!! I immediately went back to the dealership that Monday to cancel all extras. The first refund was for {$1500.00} and the other money eventually came off the balance I owed Chase. The {$1500.00} on the other hand has not been credited to my account and I am still paying interest on money that I don't owe Chase Bank. The dealership showed me that Chase cashed the refund of {$1500.00} on XX/XX/XXXX but it has not been applied to my balance. Chase said one loan was cancelled and they sent the check to that loan. I've told them the was my money for my loan and please credit it to my account. They said they sent it to the dealership but the dealership had recieved no check. Chase was supposed to cancel that check and send another but nothing has happened to.this date. I'm stuck paying interest on money I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have a collection agency named Pro-Collect in XXXX, that has posted a debt on my credit all three bureaus for an old apt complext XXXX XXXX XXXX XXXX XXXX. 

This debit is false, XXXX XXXX XXXX XXXX got mad because I wouldn't renew my lease after almost 3 years. After my lease was up, I did month to month for two months and then left. 

They even signed out the keys and all, then waited almost a year later with a {$1700.00}, claiming I didn't give notice. Even though I did before the lease was up and before I even did the month to month. 

They even kept my {$500.00} deposit and claimed the {$1700.00} is for two more months of rent, that I wasn't even living there. I had been gone almost a year. 

I moved out the last day of XXXX 2017 and they still charged me rent for XXXX and XXXX 2017. Even though I wasn't under a lease and had already been gone.

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 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have a decade worth of fraud on my checking and saving accounts. I have proof that my devices were all hacked ( mobile device management ) but I am not understanding why NC SECU didn't catch the fact that my account was spending money in 2 cities, 2 countries, 2 states at the same time for the last decade. Also, no one was checking ID 's because there were large withdrawals at branches that were not, and could not be me. 

This created a substantial loss of funds due to the fact my " hackers '' ( ex-friends ) were laundering student loan money not only for me, but for others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone opened this account with my information and received the list of transactions sent to me, but I did not even live in Florida at that time. I was in the XXXX XXXX studying and they sent me proof even of a payment that I have no idea where it went. I would like to be shown where I sign? Where I applied for that account because if not, they were removed from all the credit agencies immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: TX

Complaint narrative:
My father in-law did my taxes and had them sent to his account. 

His account was negative {$3700.00} when my stimulus check hit. 

The IRS did not provide me a way to update my banking information to receive my stimulus and {$2700.00} went into his account covering his debt. 

Ive been trying to get ahold of someone who could help with this at Chase and the representatives just keep hanging up on me and telling me that the debt will be paid with my money and they're keeping it! 

What can I do??? i'm out of work and have XXXX children ...

Company response to consumer: Closed with explanation