vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint over items that are not mine. I have a fraud alert that I thought would stop people from pulling up accounts for business. I have some unknown inquires that I am really confused as to how this keeps happening!!! Please delete the following : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I demand to see the name address and ID used to apply for these accounts for business.604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general.

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 2020-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XX/XX/XXXX : The property at XXXX XXXX XXXX XXXX, XXXX TX is tax exempt 100 % XXXX veteran. 

XX/XX/XXXX : Tax statement and XXXX rating letters received and accepted by XXXX XXXX XXXX XXXX and Freedom Mortgage. Escrow Analysis conducted " check to be mailed out '' XX/XX/XXXX - current day ( XX/XX/XXXX ) 15 calls / scheduled call backs / inquires and still no refund of escrow. The company has promised payment numerous different times during these time periods. Freedom mortgages most recent stance on the issue is to pay a " phantom past due '' amount that the company states, they will have to " inquire '' to justify. 

I am a Veteran very confused with the legalities of my mortgage companies financial practices. Looking for help or next steps. The goal is to be refunded all owed monies in escrow that are no longer owed due to zero tax liability.

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 2020-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
HELLO THIS IS XXXX XXXX XXXX MY LAST CONSUMER FINANCIAL PROTECTION BUREAU(CFPB) COMPLAINT NUMBER IS XXXX AGAINST TRANSUNION. I JUST GOT OFF THE PHONE WITH XXXX XXXX WHO IS THE NEXT LEVEL UP SPECIALIST OF THE CFPB ONXX/XX/XXXX TO MAKE HER AWARE THAT I WAS ORDERED BY THE US DEPARTMENT OF HOUSING OF URBAN DEVELOPMENT TO SEND LEGAL DOCUMENTS TO CHA ENFORCEMENT DEPARTMENT AT XXXX TO THE ATTENTION OF XXXX XXXX WHICH INCLUDE A DOCTOR'S STATEMENT ORDERING TO PUT ME IN A BRAND NEW RESIDENCE THAT I FEEL SECURE IN  DUE TO ME AND MY FAMILY BEING VICTIMS OD MORTGAGE FRAUD, IDENTITY THEFT, STATUTORY SCHEME ACTS AND WRONGFUL SUSPENDED DRIVER LICENCES WE WILL NOT LIKE OUR NEW DWELLING IN THE SAME AREA OR NEIGHBORHOOD.
Sincerely: XXXX XXXX XXXX & FAMILY
                 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 non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I applied for a loan last XX/XX/2019 in the amount of {$620.00} the limit Im should is {$500.00} for online loans and the interest rate is extremely high my current balance is {$800.00} more than the {$620.00} I borrowed and the company isnt able to do a negotiated settlement amount with me looking for help out of this nightmare Im dealing with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX in XXXX, TX. To begin with, they sold me the 'wrong ' car. They filled out all the paperwork and went through the credit process and took my down payment, for the wrong car. They had me go through hours of hoops to now return this other car, so they may sell me the correct car. Not only did they tell me one price on the first set of paperwork, they came back with two different prices on th.e next set of paperwork. The amount changed several times over the course of the sale. Now, I have a higher interest rate, due to the fact I had an auto loan on my credit FOR A CAR I NEVER OWNED ( they one they sold me by mistake ) They also told me that the car I was purchasing had a clutch recall. After the sale was complete, their story changed, and they said the clutch was not under recall. I drove it off the lot and within days had to return it for the terrible alignment, and to have the off centered steering wheel - centered. The steering wheel was clearly offset / turned/set incorrectly, and the car was badly pulling to the left. The car also made a continuous burning rubber smell. They took it in and 'aligned ' it. The mechanic told my brother and me that the steering wheel just couldn't be centered on this vehicle due to something wrong with the front end, so it was offset to the left - whatever - i needed a vehicle. I drive it for about a week after that and notice that the headlights turn off / cut completely out when I roll/put the window down ( depressing the power window switch ). EVERY TIME I put the driver window down, the headlights went out. I called XXXX twice about this issue and the broken plastic pieces/arm rests, and door panels. NO ONE EVER CALLED ME BACK. Now, I have this XXXX with a permanently offset steering wheel, pulling to the left, and serious electrical issues. 
I drove the car for about two months, have made two payments, and last week the clutch 'went out'/the car broke down on XXXX XXXX around XXXX XXXX, leaving me stranded, unsafely on the shoulder. I have called XXXX twice in the last week, and have been ignored, and clearly shoved off about the matter. I tried to have them tow it, and use the roadside assistance that i pay for, but they continue to tell me that i need to be at the car and then call them back. NO ONE will help me. Now it is sitting in a tow yard/lot and I am being harassed about the vehicle sitting there and being billed for it. The car has a XXXX-mile warranty, and I have a {$23000.00} debt to American Credit Acceptance ( bank ) on a vehicle that wont drive. 

Thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I XXXX XXXX hereby make a legitimate complaint against two collection agencies that are bypassing my rights under the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. In 2015, after multiple federal case losses by national collection agencies properly licensed in the state where the complaints were filed, a proposed amendment was filed in the US House of Representatives known as HR6363. That law never got out of committee, but is now back before congress known as HR435. The Credit Access and Inclusion Act is a joke as it states that a public utility is a credit.  To date, it is not considered a credit, and never should be. All public utilities are governed by public service committees in each state. The Fair Credit Reporting Act has never been associated with public utilities. So today public utilities are bypassing a consumer 's rights by assigning any debt collection to a collection agency. The Fair Credit Reporting Act is therefore bent but not broken. Public utilities being posted on a credit report are without exception a violation of the Fair Credit Reporting Act. The governing bodies of public utilities are within each state, and there is no federalism attached to such reporting, either on a standard or sub-standard reporting status under FDIC Regulation 5000. The fact that there is still federal legislation to submit utilities or their collection status on a consumer credit report is not legitimate and will not be so until such a law known as HR435 passes both congressional houses and is signed on by the President of the United States. These posted collections on my Experian credit report are a true violation of my rights under the Fair Credit Reporting Act, which extends to the Fair Debt Collection Practices Act. Both of these collections posted by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are in violation of the Fair Credit Reporting Act, and both are in violation of their subscriber agreements with Experian in general. These agencies must be sanctioned by the Consumer Financial Protection Bureau for serious violations on credit reporting, and the Federal Trade Commission must cease and desist this activity. Both collection matters must be deleted from my Experian credit report immediately and permanently. Both of these accounts were satisfied, but they should have never been reported on a credit bureau to begin with. DELETE THESE 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 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Why if a security freeze was placed on my report, why or how come the " freeze '' is not being honored? 
Why even offer a freeze to consumers when it does not work? 
Scammers are gaining access overseas quicker and faster than people in USA to my information. 
Why is America so far behind in computer access for information. Stop exposing consumer credit reports so much to the outside world for jobs, and credit lines.

Mine looks a hot mess. 
Companies that I do not authorize are pulling my credit file to always sell me something that I do not need or ask for. Stop this XXXX XXXX. 
Anyone can get my information quicker and faster than I can. XXXX, everyone is afraid that I will make a million dollars or something I guess. This credit report is like a XXXX criminal record to me. How can I get it expunged and wiped clean for a new slate?

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 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Each month when my bill is due, for the past three months Ive logged on to Capital Ones mobile application and the AP does not allow me to pay my bill. Ive logged in to the website after and experienced the same issue. Im then charged a late fee of {$38.00}. Not only has this happened but what has also occurred is I forgot to log back in and missed a payment. Ive called and been on hold for a long period of time before even being able to speak to someone. Capital One is using people with lower socioeconomic standing to pay fees across the country in this way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I contacted Citibank via telephone. I informed them that my wife is responsible for all transactions on her account, just like I am responsible for my credit cards. Just because money was transferred from her credit card to a joint account that my wife and I have does not automatically make me responsible for her transaction from her personal card. The representative said I should complete the form that was sent that would make me responsible for her account. I disagree.

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 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX Chase posted a withdrawal of {$81.00} from my checking account with description " NON-CHASE ATM WITHDRAW XXXX XXXX XXXX  ". Since I didn't recognize this transaction, I messaged Chase customer service to ask where and when this withdrawal was made. The first written response from Chase stated that " we are unable to provide you with the location of the ATM where the withdrawal was made. If you did not authorized this and wish to dispute the transaction in order to assist you better please call our Customer Claims Department at XXXX ''. I then proceeded to call Customer Claims Department and they said they would start an investigation and gave me a temporary credit of {$81.00}. On XX/XX/XXXX Chase denied the claim with a new letter ( attached ). I called Claims Department again and asked an explanation. They advised that the withdrawal was made at XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX at XXXX and that the PIN code was right at the first attempt, which to them is sufficient proof of this being a legitimate transaction. However this means that my debit card was cloned since I could not have possibly made that transaction as I was at home with guests that night and have never been in that part of town, moreover there is no ATM or any business at that address. I explained the above to the Chase Claims Department representative and escalated to a supervisor, but Chase still refuses to accept the claim. Besides the fact that my guests can testify that I was at home that night, most importantly there is no ATM at the address that Chase provides, which proves the fraud nature of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2019, I mailed a letter to Transunion credit bureau notifying the credit bureau of errors found in how accounts are being reported by them on my credit report. Transunion does not investigate my claim. It's been 31 days and I haven't received a notice of dispute nor have I received any updates. This isn't the first time i've tried mailing in disputes for my accounts. I've tried pleading with Transunion to right their wrongs multiple times. They could not care less about errors in their customer 's credit report. They continue to verify false information on my credit report, even when I dispute it and provide evidence to support my claim. They claim and investigation has been done, but nothing has changed. My accounts are still reporting the same, showing the same inaccuracies. This is unacceptable.

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 2020-01-22 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

Complaint narrative:
Hi My name is XXXX from XXXX, thank you for providing this complaint facility so that I can be here to tell what I experienced. 
What I experienced might also have happened to other users, it all started on XX/XX/2020 ( ID - XXXX ). That is the funds held by Paypal for 180 days for no apparent reason, during that period the money there can not be added, can not be withdrawn but can be reduced. 
I have sent an email to Paypal through the resolution center but there was no response. I tried to contact via social media accounts, they could not explain what was happening, what was the problem with me and my account. they only said that I violated, but they could not explain what violations I had done. 
I have prepared evidence for that, all transaction data, documents from the government, even I am ready to provide the account username and password related to the investigation. 
I did not find a violation of myself, I did not sell prohibited goods, I did not cheat, I did not fake my identity for verification, I never used VPN to access my Paypal account. yes, i never do that. 
my money there is around 2800 USD ( this money is a lot for me ) but it's so small for Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-01-22 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank continues to fraudulently attempt to withdraw money from my checking account without proper authorization. I never authorized Synchrony to recently attempt to make debits from my account. I paid my bill using cash in the store. My financial institution has set a stop payment to prevent Synchrony bank from fraudulently attempting to withdraw funds from my account.

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 2020-01-22 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: U.S. BANCORP
State: NV

Complaint narrative:
Advised by XXXX  Credit - my score went " down '' due to " HARD INQUIRIES ''  made by my bank on XX/XX/2019 & XX/XX/2019. ( US BANK CONSOLIDATED - XXXX XXXX, MO XXXX ). 

I was not made aware US Banks inquiry was a HARD INQUIRY, and affect my credit score negatively. I went to my local bank ( Account No.XXXX ) and asked them to remove the hard inquiries, to no avail. I was told that is the their system worked. I was annoyed and told them their customers need to be aware if their inquiry would affect their credit score. I advised how the heck can someone consolidate bills and the decision for a consolidation of bills is based on your credit report, wherein US Banks inquiry negatively affected my score? Absurd.

I am respectfully requesting both these inquiries be removed immediately. As a retired, XXXX, XXXX XXXX Veteran,XXXX yrs old, I have never encountered this trickery against a consumer. 

Respectfully, 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 2020-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: WA

Complaint narrative:
I have had numerous difficulties with Sallie Mae regarding my account. Including receiving phone calls and voicemails, family members and my employer receiving phone calls. As well as the employees at Sallie Mae providing false information to my family regarding my payment history. I have tried to work with this company numerous times to make adequate payment arrangements and never get the same information twice when I contact them. Often times when I do try and contact them my contact person is not available and if I speak to a different individual they can not provide correct or accurate information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief