vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: VA

Complaint narrative:
I have sent out several disputes trying to get false information off of my credit report. They are refusing to remove the incorrect info off of my report. The late payments showing for XXXX, XXXX XXXX, XXXX, XXXX and XXXX Card are all incorrect. I contacted the creditors and they explained to me that the information in their system is not showing late payments and that I need to dispute with the credit bureaus. The late payments are making my credit score low and I am trying to buy a house. Also the bankruptcy and XXXX credit card needs to be removed as well. This bankruptcy was filed in error and the XXXX  credit card was opened fraudulently. Lastly XXXX  credit card was suppose to be removed from my report after I paid it. Transunion refuses to remove it. The credit bureaus are refusing to fix these errors and I dont know what to do.

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 2021-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: VW Credit
State: NY

Complaint narrative:
XXXX ( automated dialer call from Volkswagen credit ) has called me XXXX times in the past XXXX months without my express consent. I have called and asked to speak to a supervisor regarding this, one was supposed to call me back and never did. I attached screenshots of the dates and times of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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:
MY IDENTITY WAS STOLEN SEVERAL YEARS AGO AND I'M HAVING ISSUES WITH A COLLECTION ACCOUNT THAT IS DUE TO THIS MATTER.

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 2021-11-30 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: MO

Complaint narrative:
Equifax has an account on my credit that have no idea about. There is no acct listed, just a balance of {$210.00}. When I called Equifax, no one helped me get this matter resolved. This a clear violation of the FTC. Please also let Equifax know they are not following the FDCPA. How can I dispute something, if there is nothing to dispute? Please stop this travesty of justice from happening to me. I am tired of going back and forth with Equifax. This account is not on my XXXX or XXXX report. Please investigate this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am a federally protected consumer who was discriminated and discouraged against by Discover and they are now in violation of the Equal Credit Opportunity Act as per federal law I can't be denied my right to extend credit. I will be reporting this matter to the XXXX. Discover discriminated against me on the lines of a consumer report that they had obtained from a consumer reporting agency a consumer report that I never gave consent to not authorized which is identity theft but also for taking such adverse action on the grounds of that consumer report obtained they are also in violation of XXXX XXXX XXXX that stated an adverse action does not include and can not include and be on the grounds of information obtained in a consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person and original creditor sent Capital One a debt validation letter and a cease and desist letter. Both documents were sent onXX/XX/XXXXand received on XX/XX/XXXX. Capital One responded with a request to receive information from me on this alleged debt and stating they can't take action on my request to validate the alleged debt until I send them the information they are requesting. However Capital One continues to send me statements in the mail stating I owe this alleged debt that they obviously can not validate. It doesn't make sense to me that they are sending me statements in the mail telling me to pay something that they can not validate. Capital One has failed to report that this alleged debt is being disputed pursuant to 15 USC 1692g ( b ). Capital One continues to try to collect on the disputed debt and has not cease to communicate with me. Capital One has harmed myself and credit report and file by housing unverified and unvalidated debt on my consumer report and for that they are civilly liable to pay me for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Been a loyal customer with Chase for several years and have always paid bill on time. Recently, the service has been terrible. Filed a Dispute back in XXXX for a charge that was not authorized on my card. Moreover the charge was put through from a card that I reported to Chase lost/stolen many months prior. It is now over XXXX days and there has been no progress. I receive endless text messages and emails from them asking me to contact them. I have complied and responded promptly but they keep asking the same information. To date, I have invested over XXXX hours on this dispute just on phone time with Chase. I have spoken to over 14 people and each give me a " different update each time. Their internal processes have got in the way of providing me with quality service and also protecting me. I have been bounced back and forth from the dispute division to the fraud division and most recently recoveries. I had to argue for a temporary credit simply because they could not make a decision as to where the issue should be investigated. I have provided more than adequate documentation to them including a chronology and text message screen shots with the merchant confirming the charge was erroneous. 

In short, Chase has failed to represent and protect me. They have delayed the investigation and I have become caught up in internal processes. 

I have also invested close to XXXX hours investigating this taking time from my day and job to bring this issue to closure with the merchant to no avail. 

I would like this to be objectively reviewed at a higher level and someone to contact me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
URGENT!! - In XXXX, XXXX, the CEO of XXXX XXXX, XXXX XXXX stated ( article attached ) : For the loans that we own, we have extended our moratoriums for foreclosures and evictions until the end of the year. 

My family and I have been scheduled to be evicted from our family home on XX/XX/XXXX by XXXX XXXX ( XXXX ( Eviction attached ). Despite me furnishing the article to the Court and XXXX representative, Attorney XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirmed that the CEOs words will not be honored ( emails attached ). I was not given any explanation as to why this XXXX moratorium can not be extended to me. XXXX claims to own my mortgage and I have proof to the contrary. XXXX illegally foreclosed on my home on XX/XX/XXXX. Among other issues, XXXX used a blank, fabricated and fraudulent Assignment of Mortgage that was backdated 7 years ( dated XXXX ; filed XXXX ) and other fabricated documents and never presented the original note to my property. Fabricated documents can not transfer property. Prior to them showing up to auction my home, I had never had any dealings with XXXX. 

I have been XXXX since XX/XX/XXXX when I had a roll over crash on XXXX. XXXX. I was denied forbearance or modification to help me during my recuperation which resulted in this foreclosure case. Prior to having many injuries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX after the accident, I have been a homeowner in XXXX since XXXX and had never missed a mortgage payment. 

ADDITIONAL INFORMATION Specialized Loan Servicing was ( my Servicer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2021-11-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I went to pay for a meal the restaurant said my card was declined, but capital one said that the charge went through. I couldnt pay for my meal had to wait XXXX business days for it to clear capital one did nothing to help me as the customer so I closed all my accounts and it ruined my credit over this because I closed XXXX accounts they are supposed to support their clients

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX, 2021XXXX still nothing from them. The negative items are still reported on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off XXXX XXXXXXXX {$24000.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX  XXXX {$2400.00} Collection XXXX XXXXXXXX {$620.00} XXXX  XXXX {$490.00} XXXX XXXX {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$370.00} ( Original Creditor : ) XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My card was used to make a purchase of {$3100.00} fraudulently on XXXX XXXX XXXX XXXX. I was completely shocked at the time being, and I tried to resolve this with my bank ( Wells Fargo ) and they were completely unhelpful and ended up denying my claim. I am at a complete loss here and just want my money back, but as uncooperative as Wells Fargo is, I find that, that won't be an option for me if I continue trying to resolve this underlying issue with Wells Fargo.

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 2021-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I EXERCISED MY RIGHTS UNDER 15 USC 1635 a to rescind a consumer transaction that I entered with GM FINANCIAL due to TILA violations. I exercised this right by mail using a certified green receipt on XXXX2021. These documents were received by gm financial on XXXX2021. On XXXX2021 an representative of associates asset recovery stole my property from me outside of my work place. XXXX XXXX XXXX is in violation of 15 USC 1692c ( a ) ( 1 ). They are debt collectors pursuant to 15 USC 1692a ( 6 ). A representative for XXXX XXXX contacted me without my consent or the permission of a court regarding this alleged debt and at an inconvenient time while I was conducting business. I made it clear that I was conducting business and that this was an inconvenient time to contact me and that I do not permit them to contact me regarding this alleged debt but they did not care. I was deprived of my means of transportation and left stranded in the rain and cold. I was forced to catch a XXXX home and cancel all of my plans for the day and week because I now have no means of transportation. 15 usc 1635 b does not mention repossessions. I was deprived of my rights and they conspired against my rights along with GM financial to unlawfully disposes me of my property as exercising my right to rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal credit union has marked a late payment remark on my credit report this is inaccurate and they refuse to fix this issue. My account was set up on auto pay until i lost my job. I spoke with a rep on XX/XX/XXXX. She asked if i needed assistance because she noticed XXXX bill had not been paid. My bill is due on the XXXX of every month. I sent payments in every XXXX weeks until i lost my job. XXXX days after i missed my payment i set up a payment arrangement that would allow me to become current for XXXX and XXXX. My next payment was not due until XX/XX/XXXX. XX/XX/XXXX navy federal reported my open end credit plan as 120 days late. USC 1666a states open end credit plans can not be marked as late. i mentioned that to the rep as well as the fact that i was never XXXX days late. I have called and spoke with several reps and no one is willing to help. Last rep hung up on me when asking why did are they mis reporting my information .She told me to file a complaint and file a dispute. This is unfair to me as a consumer, my information should be reported complete and accurate. I want this information deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
On XXXX, I transferred money from HSBC to my bank account in XXXX. However, so far the resources have not been made available. 
I'm trying to contact an HSBC bank manager to let me know the XXXX code so the recipient bank can find the resources. 
Through the contacts made available to me, I am unable to speak to anyone who can resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/2021 I noticed that my bank account was overdrawn. Upon research with the bank for the previous XXXX months there had been unauthorized charges coming from my PayPal which was linked to my bank in the amount of {$14000.00}. Upon notifying PayPal they said they cover XXXX days but there process is longer so I should contact my bank to cover the renaming portion which I did. The bank issues me a temporary credit of {$8600.00} and PayPal {$2500.00}. Now I receive a call from PayPal saying that I owe them {$1300.00} and my bank is saying {$4500.00}. Apparently PayPal put the same dates and my bank so they are rejecting my claim from both sides leaving me negative. PayPal is refusing to correct the issue saying its now pass there covered period even though they are. The ones that put the wrong dates. Now I am out over {$10000.00}. My email address with PayPal is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I took out a mortgage in XXXX with XXXX  as nominee for XXXX XXXX recorded in the XXXX  County Registry of Deeds in book XXXX XXXX XXXX. Then there is a XXXX assignment from XXXX to Bank of America recorded in said registry in Book XXXX XXXX XXXX. Then when the loan was paid off and was discharged by XXXX who no longer had the mortgage. See purported discharge recorded in said registry in Book XXXX XXXX. So the mortgage is still outstanding. Bank of America refuses to record a discharge even though they tell me they have the authority to do so. I spoke to XXXX who spoke to her Supervisor XXXX who should be fired. The phone number we called was XXXX - XXXX XXXX. XXXX said they were the correct department.

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 2021-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
paid off the debt in full, did not take an " offer '', paid in full and the collection is still on my credit report. The collection needs to be deleted.

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 2021-11-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. I want an answer immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation