vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-23 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: GA

Complaint narrative:
The following is incorrect personal information. Please remove the following items : Incorrect Address : XXXX XXXX XXXX ( XXXX, Experian, and XXXX  ) Incorrect Address : XXXX XXXX XXXX (  XXXX  ) Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX Incorrect Names : XXXX ( XXXX  ) Incorrect Names : XXXX ( XXXX  ) XXXX XXXX XXXX  - Open XX/XX/XXXX is showing that Experian is Inaccurately reporting late payment on XX/XX/XXXX. 

The following items is the result of error or identity theft. Please remove the following items : XXXX XXXX XXXX is not my account XXXX XXXX is not my account XXXX  The following are unauthorized inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. They even refer to me as an incorrect name. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 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: FL

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND USED IT WITHOUT MY PERMISSION AND OPEN SEVERAL ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: FL

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND USED IT WITHOUT MY PERMISSION AND OPEN SEVERAL ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My account was overdrawn by Chase because a claim I made was rejected back in XXXX as they claim that it was me when it was not. After they did this I threw away their card and was going to call to cancel my account out of nowhere chase gave me money and made my account go back and XXXX  and I called an they confirmed the account was closed this was back in XXXX. I do not have the exact dates. I the see my account overdrawn again with different amounts even on my savings account XXXX and checking XXXX, XXXX which I do not know where it came from. I have not use the chase card for any transactions after my account was overdrawn I got rid off the card and never wanted business with them anymore. This is my second complaint, however I got response about the claim I made in XXXX for {$1200.00} and my question is how is my account now overdrawn for {$2400.00}?. I am having the worse experience and I want Chase to prove that I made any other transactions with my card and now owe {$1100.00} than what it was before? I just do not understand it! I need this resolve please I have no more energy losing my job and my house during this pandemic and I want answers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: GA

Complaint narrative:
I am submitting this complaint on behalf of myself. I have a debt collection account on my credit that is not mines. I do not recognize the company being reported nor have I ever applied for assistance through this creditor. I have reason to believe that my personal credit may have been compromised. I ask that you all verify the validity of this debt in which youll see this does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020 - Citibank NA, Best Buy checked my credit without my permission. I was a victim of Identity Theft. 
Also, on XX/XX/2020 - XXXX / XXXX attempted to give me a loan. I did not authorize this company to check my credit. I contacted them already as well to decline any application. I was a victim of Identity Theft.

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 2020-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
2. I see 30 late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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 — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I have an account with Venmo and they have a facility where they provide a prepaid card that can be used in stores. When used for purchases, Venmo takes the amount in increments of {$10.00} from an enrolled bank account, to reload the card in order to cover the purchase. I found this a good service since it increases security where my bank ATM card is not exposed ; when not in use, I can easily turn off the auto-load feature from a mobile device so even if the card gets lost or stolen, they wouldn't be able use it for purchases or to get any cash. 

On XX/XX/2020, I used the card to pay for groceries in XXXX for the amount of {$52.00}. The terminal declined the initial charge attempt and asked me to re-try. The second charge attempt was successful. However while reconciling my account, I found that Venmo charged me twice for that transaction. The day after, they reloaded the card by taking out money from my bank account twice for {$50.00} each, ostensibly to cover for the charges. The XXXX receipt clearly stated that the initial charge attempt was unsuccessful by marking it as EMV DECLINED, however the Venmo statement carries both charges. 

I reported the issue to Venmo twice but on both occasions, they denied the disputed amount saying that " an error has not occurred and the dispute claim has not been resolved in your favor.This decision was made because we found that you were only billed once for this transaction and there was no duplicate transaction. '' However, their own statement belies this claim since there are 2 entries of {$52.00} and 2 reloads of {$50.00} each that were taken from my bank account. The initial charge and reload are then  considered unauthorized draw-out from my account. Venmo has not refunded the balance back to my Venmo account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services has infringe upon my right to privacy as a consumer. In they are in violation of the following sections of the Fair debt collection privacy act. 

1. XXXX ( XXXX ) 2. XXXX ( XXXX ) 3. XXXX ( XXXX ) 4. XXXX ( XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Klarna AB
State: FL

Complaint narrative:
On XX/XX/2020 - XXXX XXXX, XXXX XXXX checked my credit without my permission. I was a victim of Identity Theft. 
Also, on XX/XX/2020 - Klarna / XXXX attempted to give me a loan. I did not authorize this company to check my credit. I contacted them already as well to decline any application. I was a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
SO I WAS INFORMED BY A CHASE BANK CUSTOMER SERVICE REP, THAT THEY WILL BE CLOSING ALL MY ACCOUNTS. THE REP PUT IN THE SYSTEM SAYING THAT I SAID WE ARE RUNNING PEOPLE CHECKS WITHOUT THERE PERMISSION. WHICH I NEVER SAID ANYTHING CLOSE TO THAT. AND WE ARE NOT DOING ANYTHING LIKE THAT AT ALL. THIS IS COMPLETELY FALSE, I EVEN EXPLAIN TO THE REP THAT WE HAVE ALL OUR CLIENTS SIGN A LEGALLY BINDING CONTRACT TO PROTECT US FROM THINGS LIKE THIS. I DONT KNOW WHAT SHE PUT IN THE SYSTEM BUT THEN SHE TRANSFERRED TO SOMEONE WHO I COULD NOT UNDERSTAND, DUE TO A STRONG ACCENT. SHE JUST SAID WE HAVE TO CLOSE YOUR ACCOUNT AND WE CANT TELL YOU WHY. THEN SHE HUNG UP ON ME. LATELY WE HAVE BEEN HAVING PROBLEMS WITH SOME OF OUR CLIENTS PAYING WHAT THEY OWE FOR SERVICES RENDERED. DUE TO THE CORONAVIRUS SPREAD OUR COMPANY HAS BEEN STRUGGLING WAY MORE THEN USUAL, BUSINESS HAS NOT BEEN THE SAME AND WE HAVE BEEN RECEIVING MORE BOUNCED CHECKS LATELY. NOT A WHOLE LOT BUT WE HAVE BEEN WORKING ON FIXING THE PROBLEM. BUT BECAUSE OF THE PANDEMIC PEOPLE ARE PANICKING. THIS IS NOT OUR FAULT THAT PEOPLE ARE NOT ABLE TO PAY DURING THE PANDEMIC AND ITS NOT OUR FAULT IF CHECKS BOUNCE. THIS IS THE NATURE OF BUSINESS AND CHASE SHOULD EXCEPT THE FACT THAT THINGS ARE NOT GOING TO BE NORMAL FOR A WHILE. CHASE SHOULD BE MORE UNDERSTANDING TO WHAT IS GOING ON RIGHT NOW. WE HAVE LEGALLY BINDING CONTRACTS SIGNED BY OUR CLIENTS AND THEY ARE FULLY AWARE OF THE PROCEDURES WHEN VIOLATING THEIR CONTRACT AGREEMENT. I CAN PROVIDE PROOF. THIS HAS ONLY BEEN HAPPENING FOR THE LAST TWO MONTHS. CHASE SHOULD BE WILLING TO WORK WITH US ON GETTING THIS ISSUE FIXED, RATHER THEN CLOSING MY ACCOUNTS SO FAST WITH NO VALID REASONS. WE CAN NOT RISK GOING OUT AND GETTING SICK TO OPEN A NEW CHECKING ACCOUNT SOMEWHERE ELSE. PLUS WE HAVE NOT BEEN ABLE TO RECEIVE ASSISTANCE FROM THE SBA, WE ARE STILL WAITING. WE HAVE BEEN TRYING TO STAY A FLOAT. THIS IS NOT FAIR THAT THEY CAN GET AWAY WITH THIS. ALSO, THEY HAVE HELD ALL OF OUR FUNDS IN THE ACCOUNTS SO WE ARE NOT ABLE TO PAY OUR EMPLOYERS OR PAY OUR BILLS. I HAVE ASK FOR THEM NOT TO SHUT OUR ACCOUNT DOWN OR HOLD OUR FUNDS. THERE IS NO REASON FOR THEM TO DO THIS. THE REP ON THE PHONE PUT IN INCORRECT INFO AND NOW WE ARE SUFFERING FOR IT. WE WILL FOR SURE NOW GO OUT OF BUSINESS IF THEY DON'T GIVE BACK OUR MONEY SOON. THEY ARE MESSING WITH PEOPLE LIVELY HOOD. I WOULD LIKE TO RESOLVE THIS WITHOUT THE ACCOUNTS CLOSING. PLEASE HELP US TO GET THIS RESOLVED SO WE CAN GO BACK TO BUSINESS. THEY SHOULDN'T BE ABLE TO GET AWAY WITH THIS. PLEASE HELP.CHASE BUSINESS CHECKING ACCOUNT # XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
My Citibank XXXX XXXX XXXX  card said they were giving me two months forbearance when I called them in XXXX. I was unable to pay my XXXX bill bc of forced government shutdowns. I didn't realize they expected me to pay XXXX even though I was laid off two weeks prior. I'm concerned they reported my missed XXXX payment to the credit bureaus. My credit score dropped 100 points since XXXX and Citi card lowered my limit and said I was deliquent in a letter to me.

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 2020-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Fedloan servicing has reopened my student loans after 10years under their proposed repayment plan which I completed in full with the rest of my debt forgiven. They put me in default and forced me into another payment arrangement plan in XXXX. As of XX/XX/XXXX I had my student loan interest put into forbearance under the CARES Act. Fedloan then inaccurately reported my student loan debt as deferred rather than lawfully paused, causing an 87 point decline in my credit score. I have contacted them multiple times regarding the inaccurate information and they refused to correct the remarks repeatedly. I have submitted disputes with all three credit reporting bureaus and each time Fedloan flat out refused to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: ME

Complaint narrative:
sent Transunion LLC USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX which was received by them XXXX when I called them 10 days later, they said they " did not know '' if the information had been scanned. 
Then I got a form from Transunion LLC indicated they needed more information- ALL information needed was included in the package sent to them USPS- the Representative transferred the call, and the wait time was ridiculous ; and the designated dispute representative indicated they couldn't confirm receipt of the information packet that was sent to them Tracking # XXXX XXXX XXXX XXXX XXXX XXXX to try and log onto their " site '' is impossible ... typing in SSN multiple times, and no clear indication of username and password. 
XXXX  Tracking # XXXX XXXX XXXX XXXX XXXX Package Delivered XX/XX/20 XXXX  Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Package Picked up XX/XX/20

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have tried to dispute accounts with XXXX  ( LVNV FUNDING LLC XXXX ) and I have not been successful in deleting accounts and XXXX  is no compliant with FCRA 605B. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove these specific wrong accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX my payroll distribution put {$1100.00} in my Navy Federal Credit Union account. The bank automatically transferred the money to three delinquent credit card that is a part of my bankruptcy filing. I notified NFCU in XXXX of the bankruptcy and provided them with my attorney 's information. I contacted Navy Federal in XXXX to see if I would be about to us my accounts again and was told the savings account was active, but I was not longer eligible for checking account. 

My husband is now unemployed due to the COVID 19 crisis, and has yet to receive unemployment benefits. So I wanted to preserve our money in another account since the stimulus payment went into our checking account. Afraid to got in a bank or use an ATM, I adjusted my payroll to direct deposit the money to saving for hardship. With all of the waivers on interest and debt due to this crisis the bank should have notified me that this would happen before they took my money. Especially since they are aware of the pending bankruptcy. 

I'm not sure of my recourse to receive some or all of my money back, but there should be prohibited at this time. I work in billing and buy law I can not charge interest, penalties, tax liens etc at this time. Any assistance would be greatly appreciated. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: CORELOGIC INC
State: FL

Complaint narrative:
I have tried to dispute accounts with XXXX  ( XXXX XXXX XXXX XXXX ) and I have not been successful in deleting accounts and XXXX  is no compliant with FCRA 605B. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove these specific wrong accounts.

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 2020-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit bureaus are reporting a bankruptcy, Ive asked how it was verified since the courts do not release that information, what documents have they reviewed, and what are the means they took to verify me. I also would like to l ow who was certified to report this from the creditors and credit betrays, if this information has not been provided, which it has not, this should be removed from my credit profile, its a violation on the fair credit reporting act to publish unverified information. The only agency that can acknowledge a bankruptcy with full details is the courts and Ill be happy to reach out to ask if you were sent certified documentation verifying this information.

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 2020-05-23 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: GA

Complaint narrative:
Credit bureaus are reporting a bankruptcy, Ive asked how it was verified since the courts do not release that information, what documents have they reviewed, and what are the means they took to verify me. I also would like to l ow who was certified to report this from the creditors and credit betrays, if this information has not been provided, which it has not, this should be removed from my credit profile, its a violation on the fair credit reporting act to publish unverified information. The only agency that can acknowledge a bankruptcy with full details is the courts and Ill be happy to reach out to ask if you were sent certified documentation verifying this information.

Company response to consumer: Closed with explanation