vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: TN

Complaint narrative:
1. In XX/XX/XXXX, I took out Loan Number One for {$23000.00} from Lending Club. 

2. In XX/XX/XXXX, I applied and received approval for Loan Number Two for {$14000.00}. It was my intention to use those funds to payoff Loan Number One because Loan Number Two had a better interest rate and a shorter term. 

3. On XX/XX/XXXX, I received a direct deposit from Lending Club for Loan Number Two in the amount of {$13000.00} which represented the {$14000.00} loan minus a {$840.00} origination fee. 

4. I logged into my Lending Club account to apply the {$13000.00} deposit from Loan Number Two to Loan Number One but the online portal would not accept payment due to what a Lending Club representative later told me was a " glitch in the system. '' 5. On XX/XX/XXXX or XXXX, XXXX I called Lending Club and told the representative the online payment portal would not accept my payment. I asked him if he could tell me the payoff for Loan Number One, and he informed me the payoff was {$14000.00}. I authorized him to withdraw {$14000.00} from my bank account on file with Lending Club to pay off Loan Number One.

6. The Lending Club representative applied the {$14000.00} to Loan Number Two, not Loan Number One as I had authorized. 

7. When I discovered the Lending Club representative 's error a day or XXXXwo later ( after logging into my Lending Club Portal ), I called Lending Club. They researched my call with that representative to verify their representative made a mistake. After doing so and finding their representative made a mistake, they said it would take 5 - 7 business days to get a refund to me. 

8. On XX/XX/XXXX, I received a {$160.00} refund from Lending Club. I should have received a refund for the entire origination fee of {$840.00}. 

9. On XX/XX/XXXX, I contacted Lending Club to inform them that I did not receive a full refund for my {$840.00} origination fee for Loan Number Two. They informed me that I received {$160.00}, and that was my refund. 

10. I believe I am entitled to a refund of my entire origination fee of {$840.00} because their representative made a mistake and took money from my linked account and applied it to the Loan Number Two without my authorization. Therefore, I did not get to use the funds for Loan Number Two for the purpose intended because Lending Club 's representative made a mistake. I should not have to pay an origination fee for their representative 's error of applying the funds to the wrong account and be out {$680.00} ( {$840.00} minus their {$160.00} refund ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12 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: CA

Complaint narrative:
Reporting false and inaccurate information to credit bureau.In violation of Fair Credit Reporting Act.

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 2022-01-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Reporting false and inaccurate information to credit bureau.In violation of Fair Credit Reporting Act.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update accordingly. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been patiently waiting on BK OF AMER 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report : ( BK OF AMER XXXX, BK OF AMER 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 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I purchased numerous items of furniture from XXXX XXXX online on XX/XX/XXXX ( Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) coming to a total of {$5600.00} XXXX I registered with Affirm to pay for my purchase, for a no-interest loan that would go over a few months. I paid the loan off without any late payments ( early ) on XX/XX/XXXX. XXXX XXXX said several items were backordered and monthly I checked the order to see when to expect the shipment. I received {$4800.00} worth of furniture but never received the 1 ) XXXX or 2 ) XXXX XXXXe from the original order for a total of {$790.00} worth of merchandise. These items were canceled BY XXXX XXXX on XX/XX/XXXX without my knowledge and will not refund me for items not received. Affirm refusing to escalate this issue as it is outside of their 60 day window from the loan agreement. I initiated calls to XXXX XXXX and Affirm on XX/XX/XXXX with neither party willing to assist or contact the other to reach an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out to XXXX and requesting information such as, my consumer file in which I have yet to receive a response. 
XXXX is in violation of my rights as a federally protected consumer.

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reached out to XXXX and requesting information such as, my consumer file in which I have yet to receive a response. 
XXXX is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Reporting false and inaccurate information on my consumer credit report. In violation of Fair Credit Reporting Act.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Regardless of the multiple written requests, JPMCB CARD accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( JPMCB XXXX XXXX, JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I tried reaching out to this bureau several times about inquiries that do not belong to me! this info is fraudulent and i want it investigated and removed 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 explanation
Consumer complaint received 2022-01-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This is my third attempt on CFPB to get Experian to remove negative information that I disputed via certified mail on here and with the XXXX. Experian failed to co.plete their investigation in 30 days. They are continuing ignore me and leave the erroneous information on my consumer report. They are leaving me no choice but to take all my proof to court and seek my remedy as allowed by law. XXXX per violation, I will also be seeking legal fees along with defamation of character along with other offenses. If the cfpb can't help resolve the issues than who does a consumer have other than the courts? EXPERIAN is not above the law and I will not allow them to continue this behavior. I will not upload documents they received on here and via certified mail. They have it all already. It's been 44 days now and the investigation is not complete and they keep failing to follow the law and remove the disputed items. I have lost business funding totaling over {$250000.00} due to Experian violating my consumer rights knowingly and wilfully. I will seek to be my remedy in court

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been denied credit for years due to the fact that unauthorized charges and inaccurate balance and credit limit information has been reported on my credit file. I submitted a police report since 2018 and nothing has been done. The accounts have not been updated they have now been closed and charged off leaving derrogatory remarks on my 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 2022-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent a wire transfer of USDXXXX on XX/XX/2021 from my account under XXXX XXXX to my Chase Saving account, I didn't receive the fund after the wire and I realized that I put the account No. without the last 6, generally it should bounce back to my original account because the name and the account didn't match. I called several times but couldn't go through so I scheduled a meeting with a banker in my home branch on XX/XX/2021, the staff helped me to call the service and I was told the fund went to the wrong account, I doubted that why they credit the fund to an account name and account didn't match, the banker helped me the submit a ticket saying someone will contact me, but no one contacted me, they also mentioned I should get the original bank to amend the information and send to Chase, while I am waiting for the callback I contacted the original bank to send the amend, they sent on XX/XX/2021 and I went to the bank to meet them, then they told another story, they informed me the only way to do the investigation of a wire transfer is to send security message through the Chase App, the banker helped the create one message, but the response always came back as a generic message to show general, no one looked into the specific case and let me know what's the next step Chase was going to take. I went to Chase on XX/XX/2021 to complaint to the branch manager, he asked the banker to submit an executive investigation letter of this issue, it was supposed to get a reply in 2 business days, someone got back to me on XX/XX/2021 showing he knew what happened and could be the case specialist, and on XX/XX/2021 he called me again saying no one was responding on the case and he had to close the case but will still follow up. I didn't receive any response for now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
COMENITY BANKXXXX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( COMENITY BANKXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2022 I sent in my police report and my FTC affidavit to the three credit bureaus. I called last month and spoke to Transunion, XXXX, and XXXX XXXX department who asked me to send in my fraud package. After sending them they did not comply with anything and said they dont have to block the fraudulent account even after providing them a police report and FTC XXXX The sent me some generated letter saying if I want to block the fraudulent account to send in the Police report affidavit that I have already sent. I spoke to XXXX who was in XXXX who said he was from the fraud department integrity team and stated that he didnt have to follow the FCRA rules and regulations. I explained that I received a letter saying if I wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605N to keep sending in my police report. I have done everything in my power to fix this fraudulent information that has caused me a great deal of damage and embarrassment. Also with emotional distress, deformation of character by accusing me in the generated letter stating that my police report was not filed when in fact it is filed with the police department. 

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2022 I sent in my police report and my FTC affidavit to the XXXX credit bureaus. I called last month and spoke to XXXX, XXXX, and Equifax XXXX department who asked me to send in my fraud package. After sending them they did not comply with anything and said they dont have to block the fraudulent account even after providing them a police report and FTC XXXX The sent me some generated letter saying if I want to block the fraudulent account to send in the Police report affidavit that I have already sent. I spoke to XXXX who was in XXXX who said he was from the fraud department integrity team and stated that he didnt have to follow the FCRA rules and regulations. I explained that I received a letter saying if I wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605N to keep sending in my police report. I have done everything in my power to fix this fraudulent information that has caused me a great deal of damage and embarrassment. Also with XXXX XXXX  deformation of character by accusing me in the generated letter stating that my police report was not filed when in fact it is filed with the police department. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Reporting false and inaccurate information on my consumer credit report. In violation of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Reporting false and inaccurate information on my consumer credit report. In violation of Fair Credit Reporting Act.

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 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I transferred {$8900.00} worth of a cryptocurrency from my account with XXXX to my Coinbase account. The asset was apparently not supported by Coinbase and the company has told me that the crypto currency is lost and there is nothing they can do unless they decide later to support the currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
I contacted PayPal about my issue. They denied my claim within two hours of the claim being submitted. My account is now in a negative balance and I have bills to pay. They wont refund me for the unauthorized transactions and say that the transactions seem like usual activity. I have two accounts opened with PayPal and I also was part of a data leak a couple of months back where my information and accounts got leaked. Today Im complaining to PayPal about unauthorized transactions. Which my claim was denied almost instantly. My accounts were used simultaneously to send and withdrawal money. Let me add that my wallet and social security was stolen a few months back. Ive never had issues with PayPal before and Ive been a customer for over 10 years. What is disappointing is that PayPal constantly seems to side with scammers and I am not the only individual or consumer a part of PayPal that has had this issue. Ive read thousands of messages where PayPal sided with a scammer or fraudulent individual and made the actual account holder the issue. 

There are a few transactions that I complain about. They are as follows ; {$1800.00} {$1200.00} {$760.00} {$500.00} {$1500.00} {$1500.00} {$1000.00} {$990.00} Tbh I dont even seem to understand why I was instantly denied. Every time I try to get help I get the same answer every other individual gets. This is usual activity. Please help me, because I have bills to pay. XXXX cant be held responsible for something that I had no doing in. 

The emails associated with the accounts are : XXXX XXXX These two accounts were used together to send and withdrawal money from my accounts. 

Ive attached much of what info I can find. 

I cant provide a card number since multiple cards were added and deleted from my XXXX credit card to PayPal. XXXX credit card features allow a new card number to be generated multiple times.

Company response to consumer: Closed with non-monetary relief