vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 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: WA

Complaint narrative:
To Whom It May Concern : TransUnion is unlawfully breaking FCRA by not removing a collection off my account that I have disputed with them many times and I have asked for them to provide me evidence from this collection agency. The account is waypoint resource group account # XXXX XXXX has failed to provide me evidence and in return come with verified without showing me evidence or telling me how they verified it. XXXX has removed this collection off my credit report. Please remove this collection off my credit report that I do not own or else I will have to file a lawsuit. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My Kia car payment was due XX/XX/XXXX. A valid 30 day late would have been XX/XX/XXXX. I legally signed car over to XXXX XXXX XXXX in XXXX XXXX dealership on XX/XX/XXXX. I traded car in for a truck. They informed me they would send payoff asap. I nicely explained to Kia what occurred and apologized the dealership did not payoff car until XX/XX/XXXX. Then they sent the wrong payoff amount and left a low balance remaining which resulted in a 60 day late. I sent dmv proof that I was no longer legally liable for vehicle on XX/XX/XXXX prior to it being 30 days past due and kindly asked if they would remove the erroneous 30 and 60 day late. Kia credit dispute said they would not remove it as I was legally liable for vehicle until payoff was received.

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 2021-12-16 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Vacation in XXXX with family I frequent a lot of hotels, attractions and restaurants making cash transaction to keep spending habits low. After leaving XXXX to XXXX to catch my flight home to XXXX XXXX I noticed my wallet was missing losing my Drivers Lisence, Chase Credit and Debit cards, and Bank account pin numbers. On XXXX XXXX 2021 while driving I use my Chase Mobile App to monitor my finances, and notice an alarming fraudulent charge for XXXX XXXX for {$4100.00}. It was unbelievable so I immediately called Chase XXXX XXXX XX/XX/2021. On XX/XX/2021 the gave me a credit for {$4100.00} during the investigation. 

I received a follow up call from Chase XXXX XXXXXXXX XXXX but NO Voicemail was given. I log into my Chase Mobile App to see the fraud amount reapplied to my statement. I called Chase Fraud depart after multiple unsuccessful attempts to clarify the mistake. 

XXXX XXXX XXXX The investigation was completely poorly done and noted the verdict was based on the receipt name matched the credit card name. 
XX/XX/XXXX, XXXX forwarded Chase Fraud department proof of my Driver Licence being reissued because my wallet was stolen and asked if I should file a police report for more validity on my end. I asked if they checked security camera footage and the purchaser use the correct address, and chase fraud representative said " we dont know ''. Also the XXXX representative did not follow policy by taking a photo copy of the ID prior to issuing the sale, and Chase responded " we dont know. '' At this point Chase Fraud does not have any information to give and want to settle by having me, a loyal 7 year loyal customer and U.S. Veteran with their unwarranted bill. 

They refuse to remove the {$4100.00} balance from my statement that I refuse to pay and I am afraid this will destroy credit score which I worked valiantly to protect for years. Also interest fees will be added to my Credit from waiting for Chase to fix the issue. 

I have not heard back form Chase Fraud since XX/XX/2021. Please help assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In the year XXXX i went to best buy to get a computer for the amount of {$1700.00} i was willing to pay off the computer when one of the associates told me that if i open a credit card with best buy I will get promotional offers and discounts the card No. is XXXX XXXX XXXX XXXX and to other products but they never mentioned or show me that will pay {$99.00} every two years for the card. 
I paid in full all my products then later i received this incorrect charge of {$99.00}. I call Best Buy/ Citibank about the charge and I explain that I never sign for that type of card and I told them that the associate never mention to me that i will be charge {$99.00} to have the card. I Told them that they need to removed the total amount and they did not do it they continue adding interest on that amount. from {$99.00} now is {$390.00}. 

I sent letters 3 to disputes this charges and they only sent me letters to call them only to received the same answer. That I need to pay the amount mentioned above. {$390.00} XXXX explain that I went to best buy where I they offer the card and the Manager told me that that they don't charge annual fee for regular store card only XXXX XXXX I explain that in my disputes that I have only regular best buy card, and they insist that I need to pay that balance. So in XX/XX/XXXX I request for the card statements since the first charge ( that even the representative told me that many people called in the past for the same reason, that for me sounds like a fraud!! ) so I request the contract from that regular store credit card so I can find the specification of the charge, they told me 30 days since that they and I have not received anything form them and now is XX/XX/XXXX. 
I need to report this fraud form!! Best Buy /Citybank as a consumer I have the right to see the original contract from the card and the first statements where I Can see the first charge. They also hurt my credit with bad reports for this situation!! that is why I need your help mainly to see the original contract of the Best Buy credit card and the first charge. So I can go right away go to the manager that keep saying that they don't charge for that type of credit so I can certified that they that they are lying to the people.

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 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
This company national account sys. Is saying I owe a Dabt of {$230.00} this is not my debt and I have not been notified by mail showing proof this is my debt .this debt mark is stopping me getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im unable to lift my security freeze with myequifax website and Im getting a error message on there end and I unable to get my credit score to.. I would need have this fix ASAP. I want the freeze to be lifted thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This account is in litigation and has already been paid. The company Midland Credit Management purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692a ( 1 ) states the term bureau means bureau of consumer financial protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus when there is only one bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933 XXXX enacted XXXX XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin currency... are inconsistent with the declared policy of congress... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin currency, or in an amount in money policy ; and Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit 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 non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NE

Complaint narrative:
This company ccs collections is saying I owe a debt of {$150.00} this is not my debt I have not received any notice of debt or proof by mail that this is my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I was contacted by an agent by the name of XXXX who works for AD Astra Recovery Service. She informed me that I owed {$1000.00} for a loan taken out at XXXX XXXX XXXX ( Online ), but my credit report says XXXX XXXX XXXX TN. This loan was taken out in my name sometime in XX/XX/2019 for the original amount of {$600.00}. I informed her that I was taking finals at this time in college and did not have a job to even cover a loan. This loan was taken out fraudulently and I would like for them to send me further information. XXXX told me it would effect my credit if I didnt pay something on it. I thought it was a scam caller and hung up. I then later learn more about my credit and seen that this was indeed posted on my credit. Please tell me my next steps to have this removed. Even the address that was given for me at the time is incorrect and I do not know anyone that says at the address given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Hello Manager, I have a bank of America ( BOA ) checking account, and have to keep a daily minimum balance of {$1500.00} to waiver the monthly maintenance fee ( {$12.00} ). 

I did a {$1000.00} transfer on XXXX from my BOA checking to my BOA credit card, which would lead to my checking account balance dropping to {$530.00}. ( See the attached picture 1 ). 

So I did a XXXX transfer of {$2000.00} from my XXXX XXXX checking account to my BOA checking account on XXXX, the same day, at XXXX PM EST ( See the attached picture 2 ). 

I received an email from BOA that said I sent {$2000.00} to myself and the {$2000.00} will be deposited to my checking account within 5 min ( see the attached picture 3 ). I remember I saw the available balance was {$2500.00} on XXXX XXXX in the BOA mobile App. So I was very happy that I brought my checking balance back to above the minimum {$1500.00}. 

However, when I saw the BOA statement ( see attached statement ), I find that the statement showed a monthly maintenance fee that was due to a daily balance below {$1500.00} between XXXX XXXX to XXXX XXXX. According to the statement, the {$2000.00} was posted on XXXX XXXX ( Monday ). 

I didn't know there would be a delay in the post of the {$2000.00} transfer in the BOA system. No matter the email from BOA or the mobile app had shown to me that the balance was successfully brought back to above {$1500.00} on XXXX. 

Actually, the BOA did receive my {$2000.00} on XXXX XXXX, so I think I don't have anything wrong. I don't know how the BOA clear the transactions, but during the days from XXXX XXXX to XXXX XXXX, I can only trust the email from BOA on XXXX XXXX and the showing balance in the mobile App. 

In summary, I believe I have met the BOA requirement of a daily {$1500.00} balance to waiver the monthly maintenance fee ( {$12.00} ). I talked to the representatives twice today, and none of them can help to refund the {$12.00} to my account. I hope the BOA can refund the {$12.00} and fix the problem in the system.

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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My XXXX car payment was due XX/XX/XXXX. A valid 30 day late would have been XX/XX/XXXX. I legally signed car over to XXXX XXXX XXXX in XXXX XXXX dealership on XX/XX/XXXX. I traded car in for a truck. They informed me they would send payoff asap. I nicely explained to XXXX what occurred and apologized the dealership did not payoff car until XX/XX/XXXX. Then they sent the wrong payoff amount and left a low balance remaining which resulted in a 60 day late. I sent XXXX proof that I was no longer legally liable for vehicle on XX/XX/XXXX prior to it being 30 days past due and kindly asked if they would remove the erroneous 30 and 60 day late. XXXX credit dispute said they would not remove it as I was legally liable for vehicle until payoff was received.

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 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I sent {$900.00} on XX/XX/2021 to my brother on PayPal to be used for a XXXX gift. The transaction has been in pending status for XXXX and a half weeks. My brother and I have reached out to PayPal several times. 

When I try to reach out via the customer service online messaging system, all I get is a generic answer saying some transactions take longer to review. I never get a timeline, never get an explanation what they are even actually reviewing. 

Finally after reaching out via the in app messaging system for 2 weeks they gave us an email address, XXXX, and said that we could get the status by emailing them there. I sent a total of 3 separate emails and did not even get a response I have tried calling the customer service line and it is only an automated voice messaging system. It asks what youre calling about and then loops you in circles when you answer. I could not get a human on the phone In summary I have tried messaging, emailing, and calling PayPal, but have not been given a timeline or explanation for why my money is still pending. They have been essentially frozen my money during the holiday period for XXXX weeks and will not even give me an explanation or timeline for when it will be available

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: PA

Complaint narrative:
I am so upset about the investigation of a dispute I have sent in to Transunion. I have verifiable proof of a deleted account from the vendor they use to verify public records and they are not acknowledging it! This incorrect information that Transunion is reporting has been such a hinderance to my livelihood. 
I have received a letter from XXXX stating that they removed a bankruptcy that was reporting on my credit file. I sent in the dispute letter to Transunion in which they received on XX/XX/21. On XX/XX/21, I received several letters from Transunion stating that my dispute was complete and verified as accurate, another stating that the dispute would be completed on XX/XX/21, and another one providing me with my credit report. When I called in and requested a description of the procedure used to determine the accuracy and completeness of disputed information, they would not send it to me, which is a violation of my rights according to the FCRA. After several phone calls, XXXX from the XXXX, PA office said they verified the bankruptcy from XXXX on XX/XX/21. I called XXXX and spoke with XXXX XXXX who verified that Transunion has not been in contact with them. She also verified that there was not a bankruptcy reporting on my consumer file. On Transunion 's website they confirm that they verify public records from XXXX. I have valid proof that I do not have a bankruptcy and that this information is reporting inaccurately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: NE

Complaint narrative:
On XX/XX/2018 fed lon serv is reporting my payment is late it was on forbearance. I talked to a manger of the company they insured me I do not owe right now. because it is on forbearance but will owe later when it comes of forbearance but it was still marked late. this is XXXX  me now because I am trying to get a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I was contacted by an agent by the name of XXXX who works for AD Astra Recovery Service. She informed me that I owed {$1000.00} for a loan taken out at XXXX XXXX XXXX ( Online ), but my credit report says SPEEDYCASH XXXX XXXX TN. This loan was taken out in my name sometime in XX/XX/2019 for the original amount of {$600.00}. I informed her that I was taking finals at this time in college and did not have a job to even cover a loan. This loan was taken out fraudulently and I would like for them to send me further information. XXXX told me it would effect my credit if I didnt pay something on it. I thought it was a scam caller and hung up. I then later learn more about my credit and seen that this was indeed posted on my credit. Please tell me my next steps to have this removed. Even the address that was given for me at the time is incorrect and I do not know anyone that says at the address given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been trying to fix my own credit I have contacted each bureau multiple times Experian XXXX XXXX and I have sent my own dispute letters and I have never received a letter back as to why this was on my report its been longer then thirty days I just dont understand I was told that if its been longer then thirty days the item has to be removed it has not been verified

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 2021-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Bad vehicle car died XXXX months into owning the car. Was over charged for loan

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