vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I'm been trying to fix my credit and it's been stressful dealing with XXXX EQUIFAX, AND XXXX. They are cleary ignoring my request for investigation that inaccurate accounts. I'm really trying to get my life together and they are holding me back. also, I did give XXXX EQUIFAX, AND XXXX consent to report anything on my consumer report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Here are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've been sending letters to Equifax since XXXX and still haven't received responses on the investigation of these accounts.

3 accounts with no creditor 's listed XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have sent letter after letter to no avail. This is a problem since I'm trying to get in a position to get my 1st home. I just want to make sure everything on my report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners
State: MA

Complaint narrative:
XX/XX/21 Amount {$640.00}, Affiliate Asset Solutions , LLC claiming that I have a debt and trying to collect some debt that I have no idea about, and they regularly sending letters. I don't have any debt that is out for collection. Nothing in their letters states who is the creditor, writing XXXX or XXXX doesn't state what are they referring to. No one has time to go around and see what are they trying to do, I think they are scammers and trying to hack our information to cause me damages and I would like this to stop ASAP. They are making me frustrated and I'm very sensitive at heart, It hurts me when they send illegal letters to harass me. 
This must STOP and I like to file a complaint against them of harrsmenet. 

Affiliate Asset Solutions , LLC XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX PH XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: Scott Fetzer Financial Group Inc.
State: AZ

Complaint narrative:
I purchased a dog on XX/XX/XXXX fo a total of XXXX I put XXXX down in cash by a debit card, shown in this receipt. The amount showing on my credit report is over XXXX. That is not the correct amount. I never agreed to that ad you can see in the document provided by XXXX XXXX, the amount to be financed is XXXX, that is what I sighed. This is wrong and I've displutwd it twice with documents to prove my case and the consumer is still saying it's inccoret. I will be filing a lawsuit against this company for incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I made an overseas wire transfer in order to pay some outstanding bills. The bank cancelled the transaction and later froze the funds used in the wire transaction and also froze my account. I called the bank within half an hour in order to unfreeze my account and after a security verification my account was back. However the bank is not releasing my funds although I called the bank and the branch a few times in order to get my money back. The frozen funds are crippling my ability to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
The collector is a company named Brown & Joseph , LLC. They are representing XXXX XXXX XXXX. They claim I owe {$620.00} for an insurance policy I never renewed. I have notified Brown & Joseph, LLC three times that I did not renew the policy. Twice, I requested documentation from them, which I am entitled to do under federal law. The most recent time, I provided documentation proving I did not renew the policy. Brown & Joseph refuses to acknowledge my lawful request and continues to harrass me by Email, phone and mail. Their representatives on the phone are extremely rude and have called me a liar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: Block, Inc.
State: SC

Complaint narrative:
Last year XXXX cashapp took XXXX off my card. When I called to report this. They closed my account. I made another account to report it and they also closed that one. They will not give me the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I would like to file a complaint against the retail company J C Penny. I had an account with the company and it was almost paid off. I was told there was a {$400.00} balance and I ask if as many of my previous payments could be allocated to cover the balance so that would be done before the promotional period date. I was told yes and it would take a couple of months. I continued to pay the minimum amount but every month if the adjustment was put on it was also taken off. I called every month after getting my bill for a year only to be told not to worry about it the late fee would be taken off and the adjustments would be allocated correctly. It never happened and I am now being told they are reporting my account as delinquent to the credit bureau ruining my perfect credit! Ive had an account with them for years and now since right before the pandemic I am being frauded. They have jacked my account up to thousands of dollars and continue to send me bills and threatening letters with the same. I dont owe them any money and I requested the account be closed last year! I destroyed the card and have not shopped in the store in years. If they are allowed to get away with this, imagine how many others they are stealing from. I have requested previous statements to send when needed. Please help me.

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 2021-06-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is reporting an account on my credit report with no creditor listed. I've been sending letter after letter about this issue. How can I verify an account if I don't know who this account belongs to or where it came from. I have been sending letters since XXXX of last year to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Synovus Bank
State: NC

Complaint narrative:
I got a secured credit card from first progress I tried to make a payment Over the telephone and they would not take my bank card they wanted my routing number And account number and I did not want to give them my bank formation So they would not take my payment and they turned it on my credit report I asked them to take it off of my report because I paid the card off and close the account and they still wont take it off I dont understand what difference it made whether I pay them with my bank card I dont understand why I had to give them my account number and routing number I want that off my credit report please and thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal does not let me accept the {$85.00} I received from a friend on XX/XX/2021. When I click 'keep it in PayPal ' i and 'agree and continue ' it takes to me to page saying 'Sorry about that Looks like something went wrong on our end '. It just sends me back to the home page.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Due to covid i went into forbearance i ask for help with a modification which I was told by a home point financial advisor that it would be a better option..at the time there was a streamline option that didn't require paper work. It would allow to put the past due amount in the rear of my loan continue with regular payment and same interest rate 2.9percnt ..i went with a modification that was approved at XXXX per month 3.5percent interest rate. Which is not at my best interest. Home point financial states that the VA decided my interest rate which is not the current rate is a much higher one..now my other options are closed by home point financial and i have to accept this modification or risk losing my home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
XX/XX/2020 XXXX pesos Permanent Limited Account XXXX close my account even though I sent my id my address my bank statement but they already close my account eventhough I have my funds in there I already submitted all the focuments needed but they permanent limited my account and they keep my money for 180 days but the 180 days time frame have been fone up until now they keep my monwy they did not sent the email stating that I can withdraw my money. They still have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I received a letter from a debt collector, stating that if I paid 35 % of my total debt it would be settled and paid in full. 7 days later I paid the settlement amount. I received a written letter from the debt collector stating my account had been settled in full a few days later. Months has gone by, and they have only reduced the settled amount from the original amount owed, instead of bringing my balance to XXXX. I have disputed it and provided all the proof to XXXX, and they told them the balance reporting is correct, which is false because it should bring my balance to XXXX which again I have proof in the debt settled in full letter from the collector. Now, since I paid the settled amount, the original grantor is reporting my account as delinquent every month, hurting my credit. The whole point of me paying the settled amount was to help my credit. They are definitely not allowed to do this and it is not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I received a letter from a debt collector, stating that if I paid 35 % of my total debt it would be settled and paid in full. 7 days later I paid the settlement amount. I received a written letter from the debt collector stating my account had been settled in full a few days later. Months has gone by, and they have only reduced the settled amount from the original amount owed, instead of bringing my balance to XXXX. I have disputed it and provided all the proof to equifax, and they told them the balance reporting is correct, which is false because it should bring my balance to XXXX which again I have proof in the debt settled in full letter from the collector. Now, since I paid the settled amount, the original grantor is reporting my account as delinquent every month, hurting my credit. The whole point of me paying the settled amount was to help my credit. They are definitely not allowed to do this and it is not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: OR

Complaint narrative:
My XXXX  account had unauthorized services added to my plan by an authorized dealer. XXXX refused to reconcile the issue. So I canceled my account, but XXXX refused to close it until I paid off the unauthorized charges. I submitted proof of billing discrepancies to XXXX  on 2 different occasions, but they refuse to remove it even after seeing the double billing. For example, they added a 6gig data plan for XXXX  extra a month, when my plan was already unlimited data. And I never had tablet, but I was being charged for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: OR

Complaint narrative:
My XXXX account had unauthorized services added to my plan by an authorized dealer. XXXX refused to reconcile the issue. So I canceled my account, but XXXX  refused to close it until I paid off the unauthorized charges. I submitted proof of billing discrepancies to experian on 2 different occasions, but they refuse to remove it even after seeing the double billing. For example, they added a 6gig data plan for XXXX  extra a month, when my plan was already unlimited data. And I never had tablet, but I was being charged for one.

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 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I contacted Navy Federal on numerous occasions advising them of my situation where due to Covid what has occurred. I also advised them that they charged me excessive service fees, and international fees that I was not aware of as well and requested a waiver I noticed that small amounts would be charged a {$29.00} fee over the past few years I have paid Navy Federal over {$10000.00} in excessive banking fees and request for a waiver to get at least half of these excessive fees back. I have called numerous times to get a waiver for the excessive fees only to be told I am not eligible I would have to argue with the attendant to get a supervisor just to get a partial reimbursement and advised them that my father had a XXXX XXXX and I was unaware of the fees that would be charged the rep was very rude and refused to assist me in getting a waiver. During the entire COVID I was not given any assistance to get any help even after numerous attempts to resolve my checking account and credit card and Line of Credit so that it would not be in default. I am still waiting to hear back from the credit card department to get a suitable payment plan on my credit card and line of credit. I am trying to resolve this but unfortunately the people they have answering their phones do not want to help nor assist their is a very long waiting period to get to anyone on the phone and when you do get them you are disconnected and have to start all over again and this time with a rep who could careless and want to get to the next call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-12 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: AES/PHEAA
State: NJ

Complaint narrative:
this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas XXXX, XXXX  and XXXX. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: FL

Complaint narrative:
These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. 

Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).

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 2021-06-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. 

Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
They have been calling every single day every hour on the hour and its been going on for months! I have been in the XXXX  for XXXX and its been a very consistent problem for many months now! I had to buy XXXX. But I do have this number daily at least 6-7 times a day. 
( XXXX ) XXXX Its sheer harassment and I want it to STOP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12 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: NC

Complaint narrative:
I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).

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 2021-06-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).

Company response to consumer: Closed with explanation