vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Notice, it is a fact, affiant is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the affiant, allege no such verification based on an investigative report exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying get XXXX, XXXX and Transunion to remove a bankruptcy from my credit reports. They have failed to do so. 
XXXX could not verify the information and deleted the bankruptcy from my file because it was not accurate. Now the credit bureaus need to delete it as well. I have asked them many times and they refuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not authorize Capital One Auto to access my credit file or solicit any finance offer to me in 2021. Capital One Auto has used my credit report and gotten access to my credit file without my permission. My credit was frozen. I did not file any application with Capital One Auto. I received a phone call from Capital One Auto soliciting asking me if I wanted to get a loan with them for another vehicle and i declined their offer. 

I did not authorize XXXX to access my credit file. I did not authorize XXXX XXXX XXXX to pull my credit file. I have never applied for anything with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: United Consumer Finance, Inc.
State: MA

Complaint narrative:
On XX/XX/2019, I signed a loan for {$6400.00}. The plan was to pay {$200.00} a month for 46 months and end up paying {$9400.00} altogether ( including interest ). I didnt want pay so much in interest, so I decided I would make larger payments. To date, Ive paid {$7000.00} ( including interest ) and its only been two years. I believe that Ive been overcharged in interest and that United Consumer Finance is not adhering to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: AZ

Complaint narrative:
This is my second complaint ( the first one was on XX/XX/2021 ) now with the bureaus they lack on giving me proper investigation. I did my own with XXXX XXXX which is where the bureaus is getting their information from and XXXX XXXX removed the bankruptcy from my report XX/XX/2021 because they can't confirm the accuracy of the bankruptcy. I've also filed an FTC report because not only is the bankruptcy not mine there are addresses, inquiries and accounts that do not belong to me. This is my last attempt in getting these inaccurate items removed if everything that I've listed is not deleted ASAP I am moving forward with legal action against all of the bureaus for not only reporting inaccurate information but not conducting a fair and proper investigation. Now there is a new account in collections that isn't mine along with inquiries. They still never even placed any fraud alert! 

First complaint ID with XXXX XXXX First complaint ID with Experian XXXX First complaint ID with 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 non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Concentric Receivables Management, Ltd.
State: TX

Complaint narrative:
I sent a debt validation letter to Concentric Receivables Management .I was sent copies of my personal health information and medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them ( Concentric Receivables Management ) ) to have this information.

I am attaching documents I sent Concentric Receivables Management and the documents I got in the mail today from them via certified mail # XXXX XXXX XXXX XXXX XXXX. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I have not received adequate documentation after submitting letters for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We called for help during covid 19 sps servicing kept telling us to apply for their covid Assistance online. During the pandemic my employer had to reduce my hours, cut my pay and then finally had to lay me off due to covid 19. Every time I would call sps they would Refers back to their Covid relief online service which basically was there for Forbearance. I asked multiple customer service agents how does this forbearance work they would tell me that at the end of the forbearance SPs Will be having repayment plans, Unbeknownst To us thats not whats happening to us. We filled out SPs final forms stating that we were able to pay our regular payment now and that the Forbearance amount we needed a payment plan for. We received nothing but denials for repayments options and we are facing foreclosure now. I feel like I was set up like a bait and switch Scheme. We were just in an pandemic. I have documentation form my previous employer of them needing to cut my hours, pay and a lay off letter all stating that this was the effect of covid 19. I also have my award letter for unemployment, which I was told I didnt need to send in to SPS because Im no longer on unemployment and have now found new employment. So there for I wouldnt qualify for one of their Home retention programs because Im not currently on unemployment. Which to me make no Sense because the government has dropped covid 19 unemployment and many people were forced back to work. I need help in this matter. It seems like SPS gave false information out during the pandemic which is going to lead to millions on people losing their homes including myself all because of a pandemic and the forced stay at home orders .Ultimately SPS not Disclosing all the facts up front and just stating there was going to be a repayment plan. Another concerning factor is that they arent taking new/ current income in to factor and dont ask for and Documentation that I was impacted by covid 19, yet say I dont qualify for repayment plans because of The delinquency of the forbearance. Well of coarse thats the whole purpose of the repayment plans, to fix the delinquent forbearance .Seems very odd to me. Im sending in an Appeal to SPS today. We also keep receiving letters to call SPS that they have options but yet when we call theres no home retention options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TX

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nickel City Group LLC
State: FL

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX " employees '' XXXX?? contacted me about a debt that I owe. After trying to ask numerous questions about the Debt and your company she got rude, ugly, nasty, belligerent, screaming and using ugly language to me and talking to me like I am just XXXX. She also gave all my personal information out to someone who called on my behalf without any consent on file. Please contact me please and thank you. I have filed a formal complaint with them but what if this lady is in the chain of commands and gets ahold of my report. I do not want her treating anyone else like she treated me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I asked for a balance transfer to Bank of America ( BankAmericard ) to pay off another credit card, and they gave me a credit limit of {$2000.00} that was much lower than the amount I have asked. On XX/XX/2021 Bank of America made the payment of {$1900.00} to my credit card without notified me. Because Bank of America did not give me the amount requested for I couldn't payoff my credit card. I called Bank of America and asked them to cancel the balance transfer requested. Their associate named XXXX from Texas was told me that was impossible to cancel because was made a eletronic payment. I think it is not fear because I received a letter with a card for activation, that I never did, and credit card agreement letter, credit score ( I have XXXX ) letter, and account summary table letter after they make a payment. The letters they sent to me did not have a datest Now the Bank of America wants I pay them the amount, refusing to cancel the balance transfer against my will. What can I do now? I am obligated to have this credit card against my will? This financial companies will win all the time against the american people?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had a chase XXXX credit card before Chase purchased my mortgage in XXXX. There is no problem with payment of the mortgage as i was able to set up autopay, but i am concerned about making the credit card payment as i can not access. The issue is my accounts will not link online. I have called multiple times to the mortgage servicing team, the credit card team, online IT help and visited a Chase branch. The only solution i was provided was to be removed as an authorized user of the credit card. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Certegy Holdings, LLC
State: RI

Complaint narrative:
Attempted to utilize check-cashing service at XXXX XXXX XXXX in XXXX XXXX XXXX RI on XXXX XXXX, XXXX The attendant entered the incorrect check number, omitting a digit. As a result, Certegy Check Services Inc. falsely labeled the check as an incorrect transaction and I couldn't cash my paycheck. I contacted Certegy directly, attempted to inform them the check number on the receipt did not match the number on the paycheck itself and that this is the reason the check failed to be cashed. I provided them with all relevant information, they refused to cancel the report or even include the information I provided in their report. My complaint is against Certegy Check Services IncXXXX XXXX XXXX XXXX XXXX, FL XXXX for refusing to include relevant information in their review of my financial transaction. They are carrying out a fraud against consumers. The receipt and check number are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Late close XXXX XXXX XXXX {$0.00} Charge Off XXXX XXXX {$640.00} XXXX XXXX {$1200.00} Collection XXXX XXXX XXXX XXXX {$700.00} ( Original Creditor : XXXX XXXX ) XXXX {$1100.00} XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RECOVERY ASSOCIATES, LLC.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
PORTFOLIO RECOVERY ASSOCIATES, LLC. ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) ***** Opened XXXX XXXXXXXX XXXX Balance {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/2021 One of XXXX XXXX XXXX 's " employees '' XXXX?? contacted me about a debt that I owe. After trying to ask numerous questions about the Debt and your company she got rude, ugly, nasty, belligerent, screaming and using ugly language to me and talking to me like I am just XXXX. She also gave all my personal information out to someone who called on my behalf without any consent on file. Please contact me please and thank you. I have filed a formal complaint with them but what if this lady is in the chain of commands and gets ahold of my report. I do not want her treating anyone else like she treated me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying get Equifax, XXXX and XXXX to remove a bankruptcy from my credit reports. They have failed to do so. 
XXXX could not verify the information and deleted the bankruptcy from my file because it was not accurate. Now the credit bureaus need to delete it as well. I have asked them many times and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I came across a XXXX  post that was published by my friend. But I think my friends XXXX  account was hacked So I messaged him Im interested and he sent me another person XXXX account XXXX was the name of the person who I was sent too So she started explaining everything and told me she can get me approved for {$20000.00} in government grant So I agreed and sent her all my information So on XX/XX/XXXX she sent me to bank to withdraw my money ( {$5500.00} ) and send to some person named XXXX XXXX and told me she was gon na deposit the {$20000.00} to my account So I withdrawed the {$5500.00} and did a money transfer to account XXXX XXXX with the account number but I didnt get save the account number because she hacked my XXXX  account So after I deposited the XXXX to the account name and number she gave me. 
I told her I did it already After that she hacked my XXXX  account and changed my password to not communicate with her.. 
so yeah I got scammed and lost {$5500.00} Please if you can help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I interviewed and accepted a new job. A week later the company sends me two checks for training/work materials to get started. I physically take the two checks into a local chase bank, they accept the deposits and are approved. A few days later the funds become available, and the company instructs me to send the funds to suppliers to purchase the training/work materials. Days later I get a notification that the checks have been retuned and the accounts have been closed so my checking account is immediately overdrawn by {$6500.00}. Chase takes the little money I have in my checking and savings wiping out all my money with on help. I try contacting the company ( XXXX ) and they don't respond, come to find out I was a victim of job fraud, and this was no ordinary fraud this was highly skilled individuals using the companies material, doing this to people across the nation. Chase takes no liability in letting me use funds from these deposited checks, didn't notify with any concern or inform me to wait any amount of time after the funds became available. I now have no money, can't buy food or anything at all. I met with the local branch manager, and he can't believe this is how Chase treats there customers who are victims of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I get my money through a bank called chime, the last few months I had to file dispute through them for unauthorized charges and they refused to refund my money plus had XXXX dollars in savings and it came up missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I did not authorize XXXX XXXX XXXX to access my credit file or solicit any finance offer to me in 2021. XXXX XXXX XXXX has used my credit report and gotten access to my credit file without my permission. My credit was frozen. I did not file any application with XXXX XXXX XXXX. I received a phone call from XXXX XXXX XXXX soliciting asking me if I wanted to get a loan with them for another vehicle and i declined their offer. 

I did not authorize CBNA to access my credit file. I did not authorize XXXX XXXX XXXX to pull my credit file. I have never applied for anything with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: FL

Complaint narrative:
I have been trying get XXXX, Experian and XXXX to remove a bankruptcy from my credit reports. They have failed to do so. 
XXXX could not verify the information and deleted the bankruptcy from my file because it was not accurate. Now the credit bureaus need to delete it as well. I have asked them many times and they refuse.

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