vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: DE

Complaint narrative:
In XXXX of 2020 I spoke with a representative at Lending Club. I requested to have my autopay stopped. I was assured that the autopay was canceled and I can make one-time payments going forward. Lending Club did not cancel the autopay and withdrew money from my bank account resulting in overdraft fees and causing me to not have the ability to pay other bills. When I called to have the money returned the representative stated that it would take 7-10 days to return the funds. I waited the 7-10 days, but they did not refund it. During that time another loan that I have with them came due, loan XXXX. I explained to them that I could not make the payment on that loan because they still had not returned my money and I was trying to straighten out my bank account due to the damage that was caused by their company. I made several calls to them trying to explain what was going on, but no one there could seem to understand that the only reason my account, XXXX was late, was due to them taking an unauthorized payment for the other account that I have with them. Needless to say, the account was reported 30 days delinquent in XXXX because I was not refunded my money so I could pay my bills. I was shuffled around to different representatives and given misinformation multiple times. I was furloughed from my job during this time and made sure to pay my bills on-time even with my situation being difficult. The only reason the account became delinquent was due to Lending Club taking unauthorized money from my bank account. I want them to remove the 30 delinquency from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: GA

Complaint narrative:
Trans Union : XXXX XXXX XXXX Acct : XXXX Inquiries XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 All of these accounts and inquiries are fraudulent creditors agreed to remove please remove.

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 2021-10-13 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: TX

Complaint narrative:
Hello, I am a victim of Identity Theft and have already reached out to all 3 of the major CRAs as well as XXXX XXXX XXXX. I have also ailed all major CRAs as well as their registered agents they are associated with. I have never entered a consumer transaction with XXXX XXXX XXXX XXXX or 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 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To whom this may concern, Regarding Missing Points from Chase freedom unlimited signup bonus. 

Let me take you back to XX/XX/XXXX  the last day of the promotion for Chase freedom unlimited, as seen attached ( dates & times in links ) I applied for the card and was approved before end of business day, when I click the link as I do before every card I verified that's a promotion included {$200.00} cash back after spending {$500.00} as well as 5 % cash back on up to {$12000.00} of groceries. 

Fast forward a couple months i spent well over the threshold for the grocery deal, upon checking my account he realized he only received 1.5 points Upon contacting Chase at all different levels to no avail my client was turned down saying there's nothing they could do To break it down as seen above we're talking about 5 points on {$12000.00} = 60K points Deduct 18K points ( already received as standard 1.5 ) *Total Missing 42,000 chase points Here are the links that speak about the promotion dates and times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here are links that the End date is included .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I, XXXX XXXX sent Capital One Auto Finance a right to rescission regarding my auto loan. Under the Truth and Lending Act ( " TILA '' ) 15 U.S.C Section 1635, return my downpayment in the amount of {$7700.00}, double the finance charge of {$35000.00}, the cancellation of any lien against my property, and cancel the contract. Capital One never responded to my hereby request and proceeded to send me statements regarding a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
This is a medical bill from over 6 years ago that has been disputed and removed from my credit each time that happens they sell this to a new collection agency. This needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: FL

Complaint narrative:
Fact, notice to all, I am me meaning the name is of me not me ; all likeness and creation is of me and not me, though I is me. I am the consumer in fact, natural person, original creditor, lender, executor, I am the principal XXXX XXXX, I owe no allegiance to another I revoke all prior under signings, underwritings for all matters proceeding. I speak all my facts without prejudice. 

Fact, I consumer XXXX, XXXX was violated by Transunion pursuant to 15 USC 1681b ( 2 ). 

Fact, When Transunion received my affidavit of truth the accounts were removed from my consumer file. XXXX accounts were deleted. 

Fact, pursuant to 15 usc 1681 N -Civil liability for non-compliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Fact, I sent Transunion a affidavit of truth, opportunity to cure, and a finally an affidavit of truth giving them 10 days to respond on the final notice. The notice was received by transunion with an invoice as well. Transunion received my letter the 10 days are past, and my affidavit stands unrebutted. 

I demand double the amount requested. Transunion is corrupted, non-responsive, and was actively committing identity theft. 

Fact this is my last attempt to settle this matter before proceeding to take the ligation route and get a federal court. 
Fact, Receipt number XXXX is my certified mail receipt for default of opportunity to cure. 

Fact, Receipt number XXXX XXXX XXXX, XXXX, XXXX is my receipt for my opportunity to cure. 

Fact, Pursuant to 15 usc 1681 ( n ) I demand XXXX x XXXX accounts that were deleted, and Transunion owes me an additional XXXX for not responding to my demands for they could never prove my accusations as false. deletion is admission. No consent is identity theft. 

I swear all information provided herein I do so under the penalty of perjury that the information I so Affirm to be true, correct, accurate, to the best of my knowledge in ability. 

If this matter is not resolved in the next 10 days i will reach out to the attorney general and federal courts regarding this issue

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 2021-10-13 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: OH

Complaint narrative:
On XX/XX/2021, XX/XX/2021 & XX/XX/2021 respectively, Equifax, XXXX XXXX XXXX received via certified mail, FCRA 611 ( 15 U.S.C. 1681I ) disputes from me asking for verification of all disputed accounts & written METHODS OF VERIFICATION, to be sent to me ( copy of letter attached ). As of today XX/XX/2021, I have not received any proof of verification nor any written Method Of Verification from Equifax, XXXX nor XXXX. This is a violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have also fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Thief Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( XXXX ) they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: NJ

Complaint narrative:
I have tried to send Multiple disputes regarding my credit report with no response. I call and still do not get a response. I sent multiple letters with out a response over 30 days ago.To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: AL

Complaint narrative:
Equifax- I have been working on my credit starting in XXXX of this year I paid all my bills on time and paid off some of them I went from XXXX to XXXX starting XX/XX/XXXX score dropped XXXX points of a mistake the Equifax part XXXX I filed a dispute letting them know that the information was wrong My Morgage payment did not go up it went down and I was told that the points would be added back to my account after they finished the dispute but nothing changed, again on my XXXX my score went down again by 3 points for just using my credit card, and again on XX/XX/XXXX it dropped XXXX  points on XX/XX/XXXX it dropped XXXX points and on XX/XX/XXXX my score went down XXXX points after paying off my XXXX XXXX account I just don't understand how my score keeps dropping when I'm paying all of my accounts on time. It seems like the more I work on my credit the lower my score goes so I need someone to check and help me understand what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: NV

Complaint narrative:
On XX/XX/2021 I sent a letter to Equifax in regards to XXXX XXXX loans that are charge-offed and reporting incorrectly on my credit report. Equifax validated the debt eventhough it is showing charged off every single month and none of the information was validated, because I had it validated with the other bureaus as well and they are claiming that their information is validated as well eventhough it doesnt match for the exact same accounts. I then sent a factual dispute letter on XX/XX/2021. Equifax has not responded at all, but they did change the charge-offs to late payments. You can not report late payments on a charged off account. None of the other information addressed in the factual dispute was corrected as well and they have been asked several times to provide information on how they are validating the debt and they refuse to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Shellpoint Partners, LLC
State: RI

Complaint narrative:
Shellpoint Mortgage servicing placed my mortgage ( Loan Number XXXX ) in a COVID-19 hardship forbearance. I called the company and informed that i was willing and able to resume making payments to my account. They took my account out of forbearance ; however, the payment amount they gave me was about {$1000.00} higher than before. This was due to the fact that Shellpoint over payed my property taxes by {$5800.00}. This was a mistake on the company 's behalf. My loss mitigation agent, XXXX XXXX informed me that she would place my account on an extended forbearance to allow my town to refund Shellpoint any moneys owed and they could credit this back to my escrow account, then give me an accurate payment amount. The agent indicated that since the account would be placed a forbearance i should not make payments, at least until we have an accurate payment amount. While my account was supposed to be on a forbearance it seems this was not done and therefore the company introduced a derogatory remark on my credit report stating that XXXX payment for XX/XX/2021. Had i known that the payment was due i would've made the payment since i have excellent payment history with this and many other accounts. My agent indicated that my first payment after the forbearance was in XX/XX/XXXX of XXXX. I was only following all of the instructions provided by my loss mitigation agent. I have attached all proof of communications between myself and the loss mitigation agent for your review. Furthermore, my loss mitigation agent no longer works with the company and could not help on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Transworld Systems Inc contacted my employer and i have attached the document my employer forwarded to me ( wage garnishment ) for about {$290.00}. After that garnishment took place, Transworld Systems sent me another Collections notice ( which i have attached ) for {$10.00}. How could this be when the previous garnishment was {$290.00} and this collections notice states the previous balance was {$250.00}? 

This is fraud and I can not afford to have them contact my employer again and whatever this collections notice is for it should not apply to my account as they garnished {$290.00}. 

I would also like them to remove any negative entries with all bureaus as there are bureaus outside of the big 3 that most people do not know about, however, Transworld Systems does report to them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, I authorized TD Bank to transfer {$280.00} to XXXX XXXX , via TD Bank app `` XXXX '', for the transfer of a Florida DMV automobile title, a XXXX XXXX XXXX. 
XXXX XXXX ( XXXX ) advertised his services on XXXX XXXX and to contact him or his Florida DMV contacts at FLHSMV Service Center, XXXX XXXX XXXX XXXX XXXX. 
Because of Covid I wanted to do this transfer online in the comfort of my home. 
When they emailed me a copy of the Florida DMV Title for the XXXX XXXX, I studied it for accuracy of information and decided to check the Title number with the Florida DMV website and the actual title number I received was active for a XXXX XXXX XXXX XXXX. This proved that this was an obvious scam and fraud to create an official Florida DMV title. 
I never received the original title in the mail as they had promised. 
I never used the XXXX app before and now I understand that XXXX does not guarantee delivery of services and is thereby aiding and abetting criminals in these kind of scams and fraud. Checking online this is a real problem with XXXX with millions of dollars being lost without recourse. XXXX is owned by a consortium of US banks which is realy troubling. 
Further, because TD Bank has this app available on their online website, they are also responsible for aiding and abetting the criminals with international wire fraud and condoning the creation of fraudulent Florida State Documents. 
I disputed this transfer with TD Bank, as per attached letter, I don't think they ever really investigated my complaint and they never asked for any further evidence which I said I would be glad to provide. 
What I hope to accomplish with this complaint is not only to get my money back, but also stop the sinister relationship XXXX has with the criminals involved. No recourse disclaimer is not a valid excuse for criminal behaviour. XXXX has to be held accountable especially as it is owned by US banks, not somXXXX XXXX  shadow bank. 
Enclosed some of the evidence I gathered and will be happy to share more if needed. 
Yours truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Army and Air Force Exchange Service
State: IN

Complaint narrative:
XXXX XXXX XXXX contacted my employer and i have attached the document my employer forwarded to me ( wage garnishment ) for about {$290.00}. After that garnishment took place, XXXX XXXX sent me another Collections notice ( which i have attached ) for {$10.00}. How could this be when the previous garnishment was {$290.00} and this collections notice states the previous balance was {$250.00}? 

This is fraud and I can not afford to have them contact my employer again and whatever this collections notice is for it should not apply to my account as they garnished {$290.00}. 

I would also like them to remove any negative entries with all bureaus as there are bureaus outside of the big 3 that most people do not know about, however, XXXX XXXX does report to them!!

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