vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Earlier this year I attempted to log into my XXXX account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.

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 2021-06-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Earlier this year I attempted to log into my XXXX  account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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:
Earlier this year I attempted to log into my XXXX account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.

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 2021-06-21 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: FL

Complaint narrative:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not usually check my credit but i was at shocked when i saw that there was a fraudulent account open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached my drivers license and Social along with the ftc 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 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management , Inc has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

This was a XXXX XXXX account. It was a business debt, XXXXXXXX XXXX never produced a signed contract, it was not labile. Also, the account is being re-aged. I DEMAND : THE DEBT BE FORGIVEN AND THAT MIDLAND SENDS A RELEASE OF LIABILITY TO MY EMAIL. 

Account information below : Account number : XXXX, date Opened : XX/XX/2020, credit Limit : {$2000.00}, original creditor : XXXX XXXX XXXX XXXX XXXX 

I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Re-aging account Reporting account without a signed contract with original creditor. Negligence Unfair business practices Based on all the damages and violations that I have been through I demand to get the account removed from my records. I give you a deadline of 30 days to delete the account from my reports and a release of liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: WI

Complaint narrative:
For several months I've tried to get Equifax to update outdated and inaccurate personal information. I've also tried to have them remove inquiries on my report that I did NOT authorize. Per the FCRA, this is a violation of my rights as only updated and accurate information is to be reported. Equifax 's refusal to abide by the law and fix their mistakes is inexcusable. It leaves me open to fraud, is causing me undue stress and costing me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a Chase XXXX card. 

I sent a XXXX payment to some family members overseas on XX/XX/2011. 

I have been charged cash advance interest fees for the past 3 months, despite the fact that I have automatic payments set up with Chase to pay my entire account balance every month ( as the option noted as " statement balance '' ). 

When I called Chase to complain about this, they said that the only way for me to avoid this would have been to make a manual payment in the entire amount of my balance. 

Chase provides no option for a consumer to automatically pay their entire credit card bill off every month such that they avoid interest fees like the ones I have been charged. 

This is an unfair business practice. If I have set up automatic payments to pay my statement balance very month, I should not have to pay additional interest fees in subsequent months. 

Chase does not provide any additional options for consumers to pay off their statement balance automatically, thereby making it MORE difficult for a consumer to avoid interest charges, even though they are automatically paying their balance every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frontline Asset Strategies, LLC
State: AZ

Complaint narrative:
This company is a holder of my debt, I have answered the phone and he was white noise on the other side of the line. I stayed connected for 38 secs saying hello and pushing buttons, the call disconnected. I called back after interrupting my day and ask why I was being called with attitude since they didn't want to speak on the initial call, the rep hung up on me. I called back again and had to explain that I wanted a manager and did not want to speak to anyone else until I reached XXXX, a " manager '' who had no care about hearing the issue from the other representatives or how I was treated, just politely gave me the full name and address of the company, I informed him I would send an FTC complaint, he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of the 2017 Equifax Data Hack. Ever since then, for the last two years I have been trying my hardest to get incorrect information removed from all of my credit reports. Equifax is reporting several things including Address Info ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) these are unknown. The also continue to report the same debt that I just had to complain about XXXX for ( They continue to report debts that they have not verified. THE XXXX XXXX XXXX - {$1000.00} ) in the month due to their inability to report correct info I have been denied the right to fair housing consideration and credit opportunities. They continue to re report these addresses and debts that they have not verified or validated. I have repeatedly disputed it with Equifax and they continue to allow them to re report this info even after the hack with WITHOUT PROPER VALIDATION OR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
Paid my bill 2 days earlier from my due date. I was saying ok i should have more money add to the principle. I look at the account only XXXX dollars was applied to my principal. I called ask how only XXXX dollars was applied. They told my after i made my payment last month. The next day it start collecting interest again. I told the lady thats illegal. They interest isnt supposed to start again until the new billing she told me no it start over the next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
MONDAY XX/XX/2021 XXXX XXXX Email : XXXX Dear Chase, On Wednesday XX/XX/2021 @ XXXX I checked my Chase accounts. 
It was then that I noticed my identity theft. 
From my checking account ending in # XXXX, I had {$480.00} remaining from its original {$930.00}. 
From my savings account ending in # XXXX, I had {$780.00} from its original {$49000.00}. 
My account ending in # XXXX was not affected @ {$500.00}. 

I started calling Chase immediately around XXXXXXXX  but it took 7-1/2 hours to report everything due to horrible phone connections, being put on hold for endless minutes, and in complete information on the Chase end. 
Friday morning, XX/XX/2021 @ XXXX ( approximately ) 2 policemen came to my place of business XXXX XXXX XXXX XXXX to take my report : Officer XXXX XXXX Officer XXXX XXXX Incident No : XXXX Unit No : XXXX After this meeting, I called Chase bank to request an appointment. 
I started calling around XXXX but no one ever picked-up nor was there a voicemail. I called 3xs and then decided to go to the bank at lunchtime only to be told I needed an appointment. I went back to work and then returned for my XXXX appointment. Chase wasted 4 hours from my working due to Chases lack of customer service and phone directions. 

At XXXXXXXX  I returned to chase for my appointment and was assigned to XXXX XXXX Assistant Vice President. She was most excellent with her knowledge, efficiency, patience, compassion and calm, personable demeanor. 

The new accounts illegally set-up under my name are : # XXXX # XXXX # XXXX The people I spoke to throughout this ordeal on the phone are ; XX/XX/2021 XXXX First Support Specialist XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 Friday I went to Chase Bank to discuss this matter in person. 
XX/XX/2021 I still have not received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Personal Data : XXXX XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Account # XXXX Sent three emails and registered letter to company with no respose in XX/XX/2021 ; also spoke with customer service representative three times with no resolution Company : United Services Automobile Assn ( USAA ) XXXX XXXX, TX Chedcking account missing approximately XXXX XXXX {$50000.00}. Suspitious activity started in XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: SLM CORPORATION
State: NY

Complaint narrative:
Hello, I've been trying to open an account for about one week. Although I've been on the phone with numerous representatives, none have been able to overcome whatever the issue is. The bank shouldn't be able to advertise rates if they can't honor them by not allowing the opening of an account. The message I've been receiving when I enter my information is, " Sorry, your information doesn't match our records. You may have entered something incorrectly. Please try again. If you continue having log-in issues, call us at XXXX. '' Even though the representative verifies this very same information, their system is reading the information as being incorrect. I believe this is occurring because it's reading my mom 's account information where I am the beneficiary. This beings up system integrity and privacy issues and ought to be looked into.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
i sent info to all 3 credit bureaus on a bank of america mortgage and they was all deleted around XX/XX/XXXX or XXXX but in late XXXX it was added back on to my credit and i didnt get an explanation why it was added back, i called all three credit bureaus and they gave me all the same answer, i must reach out to bank of america, i called 4 different numbers on it and all said they do not see a mortgage that i have, so they gave me a number to bank of america fraud XXXX it doesnt answer it goes to an answering service that take your statement, i sent mail to them stating i need the reason why you added a mortgage back to my credit and no answers back but a generic later stating they are working on what i need but no info on what info they have to add it back to my credit, so im writing you all because this is ( 1 ) Defamation on me and my credit ( 2 ) Negligent Enablement of Identity Fraud ( 3 ) Violations of the Fair Credit Reporting ACT, on all 3 of my bureaus as inaccurate about the bank of america account, they all have different amounts, closing dates, and 30 60 90 days late is different on all 3 bureaus, and by law it has to be removed for inaccurate information, i want it done immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Solidifi US, Inc.
State: IA

Complaint narrative:
My name is XXXX XXXX XXXX. I am in the middle of a purchase through XXXX XXXX. The property address is XXXX XXXX XXXX XXXX Iowa XXXX. I don't understand why there has been continued delays on the appraisal and then when it was done there were errors made which required an appraisal addendum. We were advised the addendum would be in asap but it was not received at all last week and then it was not received over the weekend. We are now three weeks away from when we sold our home on XX/XX/2021 and we still haven't been able to move in. Please please escalate this to be done asap as we are a family of XXXX with XXXX family dogs. We are in hotels and boarding pets while this process continue to be delayed. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I deposited money into GEMINI TRUST App on XXXX by creating an account which it is holding indefinitely and not allowing me to move, withdraw, add to, or reinvest, because it's awaiting " verification '' which was supposed to take 2 weeks. It's been months. Multiple attempts to reach the company have gone unanswered, and the money sits in an account that GEMINI holds that I can't use. I can't do anything. I want it resolved so I can get the money out. It feels like fraud. I've lost money over the time that it's sat in the account because the market is shifting and GEMINI won't let me use the service as it advertised. They're just using my money for their ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I received XXXX XXXX amounting to {$12000.00} for my XXXX benefits from the XXXX on XX/XX/XXXX that were deposited into my PayPal Cash Plus account. Immediately, PayPal restricted my account stating that they needed more information. Out of everything, I was not able to provide a state I.D due to issues I ran into from the XXXX, however I did send multiple proofs of my identity and letters that I received from the XXXX. A representative from PayPal told me that everything would be fine and they'd permanently close my account and hold my funds for 180 days, after which I would receive an email with instructions to withdraw. 180 days passed on XX/XX/XXXX and I did not receive an email from them with instructions to withdraw. I called multiple times and multiple representatives gave me different reasonings, but all said that my funds are being withheld for another 180 days. They didn't state why my funds were being held again, and those representatives told me that they'd call back with a solution but I never heard back. 180 days passed again today ( XX/XX/XXXX ) and I never received an email with instructions to withdraw once again. So I called and was told that my account was flagged and that I could not withdraw my funds until further notice. When I asked for the reasoning as to why they weren't releasing my benefits I received from the XXXX, I was told that I would have to subpoena them in order to find out why. I've read every word of their TOS and nowhere does it state that they're allowed to hold my funds for this long, let alone permanently. Especially since I didn't do anything that would condone any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I XXXX XXXX never enter any consumer credit transaction with IDEAL COLL for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By IDEAL COLL obtaining my personal information without my consent they have committed fraud and identity thief which I have attached my FTC complaint. IDEAL COLL furnishing this allege debt to my consumer report as if I owe something and now they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can not do business with anybody else due to IDEAL COLL reporting this allege debt to my consumer 's reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation