vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a credit card from JPMCB CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and JPMCB CARD with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days LATE. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
It was my sister 's birthday and she asked for a brand new phone, XXXX XXXX XXXX  to be exact. I wanted to grant her wish. I am a XXXX   XXXX so my fund is limited, hence I was looking for cheaper alternative. I ended up looking at XXXX  market. The girl named XXXX XXXX claims that she works at USPS. She got my trust easily because she mentioned she has a fear of being scam. She lives in PA while I live in a different state. She suggested to ship the item and also mentioned she have sent an XXXX already to this lady in XXXX. I desperately want my sister to be happy on her birthday especially with this pandemic going on. I paid {$560.00} through XXXX XXXX and XXXX told me that she would send the item once she works the next day. I keep texting her to update me, two days after I decided to go to XXXX XXXX and ask for a refund. I sent her the money on XX/XX/XXXX ( my sister 's birthday ) and it was XX/XX/XXXX when I asked for a refund from her. She blocked me through everything and I felt hopeless. I informed my bank, Capital One to file a dispute, they have given me a temporary credit. On XX/XX/XXXX, Wednesday, Capital One emailed me saying they have declined my dispute. I filed it again due to feeling that their investigation was not fair since they have not ask me for any documentation or proof because I still have the screenshots of the deal but the merchant did not ship the item. However, Capital One sent an email on Friday, XX/XX/XXXX still declining my claim. At this point the only option I have is to file a police report the next day, XX/XX/XXXX. I am devastated. It is a big amount of money and I'm doing everything I can to get it back, I really need it back. Please help me. I don't know where to go to get back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: FL

Complaint narrative:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the Equifax Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling the credit companies i have a list of account that was open and use without my consent XXXX  Report number XXXX XXXX  File Number XXXX XXXX Equifax Block me from getting a copy of my credit report after telling me i was a victim of the XXXX data breach i haven't been able to get a report from then since so i dont have a report number from them i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT XXXX Incident Number XXXX here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX   XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX/XXXX   XXXX  {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: CA

Complaint narrative:
I have a credit card from XXXX  CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX CARD with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days LATE. There was an error on their part. I was never 30 days late.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2013 Acct XXXX Statute of limitations has passed and I have attempted to resolve this matter with an agency as well with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. Time is off the essence since we are purchasing a home. Please help. I need Shellpoint to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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 had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these three accounts listed under ACCOUNTS TO BE AMENDED to never late.

I need these three accounts listed under ACCOUNTS TO BE DELETED to be deleted. 

I have a real estate transaction worth {$250000.00} investment property being held up in escrow due to these negative accounts being reported on my file.

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 2020-05-12 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: FL

Complaint narrative:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling the credit companies i have a list of account that was open and use without my consent XXXX  Report number XXXX TransUnion File Number XXXX XXXX XXXX  Block me from getting a copy of my credit report after telling me i was a victim of the XXXX data breach i haven't been able to get a report from then since so i dont have a report number from them i also have A POLICE REPORT FROM XXXX XXXX  POLICE DEPARTMENT XXXX Incident Number XXXX here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX  XXXX  {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX , GAXXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting XXXX information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports..

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 2020-05-12 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: FL

Complaint narrative:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX   Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling the credit companies i have a list of account that was open and use without my consent Experian Report number XXXX XXXX  File Number : XXXX XXXX  Block me from getting a copy of my credit report after telling me i was a victim of the XXXX data breach i haven't been able to get a report from then since so i dont have a report number from them i also have A POLICE REPORT FROM XXXX XXXX  POLICE DEPARTMENT XXXX Incident Number XXXX here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX  {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX , GAXXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports..

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I am writing to dispute certain information you have reported. Please block this information from my credit report, according to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions, please Remove of all incorrect or outdated personal information being reported on my credit file. It's frustrating to continue to get denied for credit approvals because of the inaccurate information on my file. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated 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 2020-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
After my car got repossessed, I was left with no secure way to get to and from work. Luckily, I got my student aid around that time and used it to purchase a beater car. When my car got repossessed after missing a few payments to Ford motor credit, I heard nothing from anyone. I wasnt sure that I would ever see my beloved 2018 Ford Fusion again. I put so much work into it and was upset that it had got to this point. I got remote start installed in it, tinted windows, the whole nine yards. I figured that they would reach out to me with what I could do to get it back or at least let me know when the auction was for it but nothing. I didnt find out until much later that they should have told me that I could have gotten my car back and could have been at the auction for it. But at that point my car was long gone. I eventually gave up the hope of getting it back but I got a letter about a year later requesting a balance for {$5600.00}, the first time I heard from them after the repossession, and called them to see what it was regarding. It took me a few tries to get to an actual person but when I did, I was stumped. They told me that it was the remaining balance for my car that they auctioned off. That I didnt know that they did. They didnt even give me a chance to fight for it back when I could have! I put so much extra work into it to make it a perfect car too! Not only did they rip off my chance to get my car back, they are trying to charge me on top of it. I dont even know what to think of this corporation and how corrupt it is. It is clearly not following the laws on this or is really going around them. I hope that nobody else has to go through this but I have no doubt that they do this shady practice with anyone a little late on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: CA

Complaint narrative:
XXXX XXXX  XXXX reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. Time is off the essence since we are purchasing a home. Please help. I need XXXX to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.

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 2020-05-12 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: CA

Complaint narrative:
XXXX XXXX  XXXX reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. Time is off the essence since we are purchasing a home. Please help. I need XXXX to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: CA

Complaint narrative:
XXXX XXXX  XXXX reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. XXXX  is off the essence since we are purchasing a home. Please help. I need XXXX to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.

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 2020-05-12 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: General Motors Financial Company, Inc.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: LA

Complaint narrative:
I have included every payment made that the reporting company is saying I never made not a single payment from the texas attorney general child support I have shown XXXX in payments since 2018 and the credit bureaus will not take it off. the debt on y credit shows I owe XXXX so im actually overpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: VA

Complaint narrative:
I tried to send XXXX USD on to my parents who are visiting XXXX on XX/XX/2020. The money supposed to be deposited in XXXX to XXXX mins into their bank account in XXXX. Today is XX/XX/2020 but My parents did not receive the money transfer neither I go the refund back from Remitly. I have contacted their customer service so many times but they never me a clear answer about the status of my money. They claimed that their system shows the money was sent but the bank in XXXX did not receive their money and their customer service agent confirmed it more than once. They told me that I would hear back from them with a solution within XXXX to XXXX hours every single time I contacted them but they never contacted me back. Their website stated that their phone service was disabled due to Covid19 so they had a chat service now that service is disabled as well and I can not even contact them about my transaction.

Company response to consumer: Closed with explanation