vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX the Company XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via bank wire, and through an intermediary named XXXX in the total amount of XXXX CAD utilizing your services. 

The scam broker pretended to be a regulated entity and lured me into using their platform through misrepresentation, manipulation and psychological techniques. 
The Company cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums while knowing that those would-be investors would ultimately lose the money they had entrusted to it. The overall purpose of the scheme, in other words, was to target and defraud people who are often inexperienced and naive, in pursuance of illicit wealth through various fraudulent representations. 
I was affected by this scam broker in many ways. Due to being scammed for XXXX CAD, I can no longer provide for my daughter and family. My whole savings account was taken from me in a heartbeat. Especially during these hard times right now due to Covid-19 situation there is a lot of uncertainty and on top of that I have lost my hard earned funds. 
My life is no longer the same, not being able to take care of my family is very difficult and causing many family problems. Emotionally and mentally my family is very hurt. My daughter is feeling pain, I can't even get her anything, she is suffering from this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. Transunion, XXXX  and XXXX  in XXXX, XXXX XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. XXXX, XXXX, ( XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX and Chapter communication. Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. This is part of fraudulent acts against me. Police reports were send along with documentation of identity theft. Thank you.

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 2020-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I talked to XXXX about the XXXX XXXX reporting that they removed the bankruptcy from my record. XXXX  admitted that XXXX XXXX removed it from their file, but they did not explain why they removed it. XXXX  then lied and said that they sent XXXX XXXX to the Bankruptcy Court to verify. XXXX XXXX did not go verify as claimed by XXXX. Yet, XXXX, Equifax and XXXX  still is displaying a bankruptcy. 

In addition, my file is locked with XXXX XXXX and they lawfully can not report anything about me. XXXX  has retaliated and started removing aged good credit history from my report. XXXX XXXX said that XXXX  disputed their entries that onto my credit report as fraud and asked them to remove from my credit report. This action led XXXX XXXX to remove all of my credit history. 

The three credit bureaus are now engaged in racketeering type of activity to keep scores down so that they can gain more money from subprime lenders. They are further being less than honest about companies verifying inaccurate information. 

I would like Consumer Finance to Do its job and regulate these out of control agencies. All three are further preventing new creditors from reporting credit lines during the pandemic so they can further keep scores down so they can profit from sub prime lenders and consumers seeking relied during covid. 
I also disputed some bogus address on equifax that says I lived in Minnesota and they verified it as accurate. I have never been to Minnesota in my life. 

This is exactly how I know that these companies are fixing files to meet their own monetary goals. All 3 companies refuse to investigate inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/XXXX my equifax score dropped 95 points for no reason at all there no trace as of why on XXXX  XXXX  an theres 2 bills owed that forsure wasn't me because I had health insurance threw the state at the time an all my stuff was paid for an this false accusations are affecting my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TN

Complaint narrative:
I talked to XXXX  about the Lexis Nexis reporting that they removed the bankruptcy from my record. XXXX  admitted that Lexis Nexis removed it from their file, but they did not explain why they removed it. XXXX  then lied and said that they sent Lexis Nexis to the Bankruptcy Court to verify. Lexis Nexis did not go verify as claimed by XXXX. Yet, XXXX, XXXX and XXXX still is displaying a bankruptcy.

In addition, my file is locked with Lexis Nexis and they lawfully can not report anything about me. XXXX has retaliated and started  removing aged good credit history from my report. XXXX XXXX said that XXXX disputed their entries that onto my credit report as fraud and asked them to remove from my credit report. This action led XXXX XXXX to remove all of my credit history. 

The three credit bureaus are now engaged in racketeering type of activity to keep scores down so that they can gain more money from subprime lenders. They are further being less than honest about companies verifying inaccurate information. 

I would like Consumer Finance to Do its job and regulate these out of control agencies. All three are further preventing new creditors from reporting credit lines during the pandemic so they can further keep scores down so they can profit from sub prime lenders and consumers seeking relied during covid.

I also disputed some bogus address on equifax that says I lived in Minnesota and they verified it as accurate. I have never been to Minnesota in my life. 

This is exactly how I know that these companies are fixing files to meet their own monetary goals. All 3 companies refuse to investigate inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. Transunion, Equifax and Experian in XXXX, XXXX XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX, XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX. Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. This is part of fraudulent acts against me. Police reports were send along with documentation of identity theft. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following  bureaus. XXXX, XXXX  and Experian in XXXX, XXXX XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. XXXX, XXXX, ( XXXX XXXX ) XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXXt, and XXXX XXXX. Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. This is part of fraudulent acts against me. Police reports were send along with documentation of identity theft. Thank you.

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 2020-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: 1 STOP MONEY CENTERS, LLC
State: AZ

Complaint narrative:
In late XXXX XX/XX/20 I spoke to someone by the name of XXXX from One Stop Money Center and made arrangements to make payments on a loan from One Stop Money Center I was to receive an email with the payment arrangements during this time this was the time when everything was going on in the pandemic recently just broken out and the communication kind of broken down between us and me getting this payment arrangement set up and I didn't get an email from her then in XXXX of this year I received a notification that I was being garnished for these bonds originally I think the amount was like {$700.00} but then when I saw the garnishment it was like XXXX or something like that I reached out and advised that I couldn't afford the 25 % I sent emails I called I listing all of my expenses and showed why I could not afford the 25 % I was told that they needed to at least one girl one to show that they have at least gotten one out before they could get it signed from a judge to get it reduced this was XX/XX/XXXX is now XX/XX/XXXX and it still hasn't been reduced each time I call it's time I speak to someone they either tell me they can't find the paperwork for it hasn't been signed or it takes time or it's always an excuse or I can't get in touch with them or it's just always something I think that they are just trying to buy time so they can take the whole amount and not get it done by this time I think I only owe like another {$300.00} but to me it's the principle of the fact that I advised that I couldn't afford it I'm at the point now where I owe my sister money for my rent I owe somebody else money for my car note I'm just because I have to borrow money to help pay my bills because I'm having 25 % of my check taken out weekly and I can't afford this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Class action lawsuit of XXXX XXXX has been filed against them. I received a cease and desist letter. Santander said Im obligated to continue paying the loan. They will not contact me if they do any repossessing of the car or if I fall behind on payments. I request for a full audit of my account never received it but payment history. My loan  expired on XX/XX/XXXX Im still paying for this vehicle. They have been reporting late payments on my credit report and I had file disputes. When Im paying more than whats due on bill. I am requesting payments I pay extra money to be place to principal they take whatever amount they want apply it to interest. Interest being charge everyday they is no grace period. On my payment history Im just being charged interest fees everyday not monthly payments. 
I Purchased vehicle at XXXX. Loan 72payments, ,60 payments  have been made, Purchase vehicle on XX/XX/XXXX, First payment XX/XX/XXXX, Balance of XX/XX/XXXX XXXX, 12 payments left on loan, Payment XXXX, Interest 26 %, Total Santander saying is due is  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC
State: DC

Complaint narrative:
Hello. On XX/XX/2020, I took advantage of an offer to receive {$50.00} from eToro USA, LLC after I deposited at least {$100.00} and invested that money. On XX/XX/2020, I deposited {$200.00} and invested that money as directed by the terms and conditions of the offer. Per the terms and conditions, the {$50.00} was to be deposited into my account by the 30th business day from that date. The 30th business day would have been XX/XX/2020. As of the date of filing this, I have still not received the {$50.00}, nor have I have received a response from eToro from the numerous emails I have sent them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07 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: DISCOVER BANK
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I ordered checks for my checking account from Citibank. Although this was the second order and when I ordered the checks - it stated on the website there was NO CHARGE. I have enclosed my receipt. Instead, Citibank charged my checking account nearly {$21.00}, then more money in overdraft fees. I have attached the proof that the checks were to be free. This bank, like many " big box '' banks lies to its customers and then fraudulently offers them services.

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 2020-10-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Dear CFPB, Please find my complaint against XXXX XXXX XXXX XXXX XXXX and PennyMac Loan Servicing LLC I respectfully demand XXXX XXXX XXXX, XXXX to identify the SELLER of my loan to PennyMac and copies of all releases of liens ( 1 ) by XXXX or someone else ( XXXX XXXX? ) to XXXX XXXX XXXX XXXX ( who purportedly SOLD my loan to someone ) ; and from PennyMac who purportedly PURCHASED my loan from someone. 

Releases of prior liens MUST be filed with VA after EACH sale. 

XXXX responded to my prior requests and ALWAYS said that they only transferred servicing to PennyMac. 

PennyMac ALWAYS claim that they PURCHASED my loan from someone. When I ask who sold my loan to PennyMac neither  XXXX or PennyMac are able to respond.

Servicing transfer and SALE of the loan are totally different procedures. 

IF PennyMac actually purchased my loan, here must be a Seller who had rights to sell my loan.

This Seller MUST receive a release of lien from PennyMac.

Please identify the SELLER of my loan to PennyMac and provide me copies of releases of liens by prior owners of my debt ( if any ) I am entitled to have this information ; and it must be filed with  XXXX XXXX after EACH sale. PennyMac never provided me any disclosures who was the Seller or any prove of their " ownership '' of my loan.

Again, please provide me a copy of release of my lien from PennyMac to the Seller who SOLD my loan to PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
My new complaint is that the credit bureaus have refused to fix my credit report. M & T has caused me to not be able to get access to COVID 19 funding or any type of funding because they incorrectly reported to my XXXX payment to my credit because I'm XXXX American. See original complaint below. 




Original complaint XXXX XXXX XXXX M & T Bank Account Number : XXXX Home Address : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I called M & T bank in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that M & T bank has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX Americans. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with M & T. When I complain M & T responds by retaliating. I am XXXX  and XXXX  of this XXXX  XXXX, what it represents and the XXXX  that it spreads. I've said it before and i'll say it again. This organization is run by 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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding a public record on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification  because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of this complaint or I will expect to see the item in question permanently  expunged from my record. XXXX Court US BKPT CT TN 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 2020-10-07 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
XX/XX/2020 Send a letter directly to the creditor send a letter directly to the creditor XX/XX/2020 Sent a letter to the credit bureaus I also sent a demand to comply letter

Company response to consumer: Closed with explanation