vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After disputing inaccurate information, using the online method, I find it to be very useless and only to benefit the reporting agency like it's a game. XXXX has a history of violating the FCRA by altering information, re-aging, adding and omitting information but absolutely never resolving an issue the honest way. 

I have included evidence of XXXX violations. Anytime I use online dispute process, XXXX alters whats being disputed and report the results. XXXX has NO LEGAL rights to keep altering and changing ANY information. That is considered FRAUD. And absolutely not accurate. 

On XX/XX/2021 I was left with no other choice but to send my request in writing to XXXX, requesting the account is verified and validated with original agreement, contract or account with my signature and date to match what the are actively reporting. 

XXXX continues to ignore and disregard my request, alters and change information and continue the inaccurate fraudulent reporting. 

It is the reporting agency responsibility to have 100 % accurate information on consumers they report. It is a total violation and against the law to post inaccurate information and even worse to furnish that information to other agencies and lenders. 

XXXX has done an extreme amount of damage to my report keeping my scores and ratings low. 

XXXX did not fulfill my request in the 30 days given, XXXX refuse to acknowledge the request and posted updated results without ever verifying and validating the request. 

I demand the inaccurate fraudulent much altered account completely and permanently removed immediately.

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 2021-09-13 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: OH

Complaint narrative:
After disputing inaccurate information, using the online method, I find it to be very useless and only to benefit the reporting agency like it's a game. XXXX has a history of violating the FCRA by altering information, re-aging, adding and omitting information but absolutely never resolving an issue the honest way. 

I have included evidence of XXXX violations. Anytime I use online dispute process, XXXX alters whats being disputed and report the results. XXXX has NO LEGAL rights to keep altering and changing ANY information. That is considered FRAUD. And absolutely not accurate. 

On XX/XX/2021 I was left with no other choice but to send my request in writing to XXXX, requesting the account is verified and validated with original agreement, contract or account with my signature and date to match what the are actively reporting. 

XXXX continues to ignore and disregard my request, alters and change information and continue the inaccurate fraudulent reporting. 

It is the reporting agency responsibility to have 100 % accurate information on consumers they report. It is a total violation and against the law to post inaccurate information and even worse to furnish that information to other agencies and lenders. 

XXXX has done an extreme amount of damage to my report keeping my scores and ratings low. 

XXXX did not fulfill my request in the 30 days given, XXXX refuse to acknowledge the request and posted updated results without ever verifying and validating the request. 

I demand the inaccurate fraudulent much altered account completely and permanently removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Ive attempted to call and email Net Credit to bring my loan account current. Net credit never answers the phone nor email me back. Net Credit doesnt have an option online to make payments or update automatic payment ACH information. Net Credit reported me 30 days past due and it made my credit score drop. I have worked hard to rebuild my credit and they need to fix the error. I do have emails to support that Ive tried contacting them. Please help me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received Paycheck protection Program loan for my business, in XX/XX/XXXX. Loan detailed must be spent on business needs. In which every dollar is accounted for in XXXX for company inventory. I have submitted receipts of items ordered for buiness needs to Small business admin. All supporting documents were accepted. I was told by SBA to request forgiveness once my documents were accepted. In which i did, i received a letter from SBA stating loan forgiveness granted. However, on XX/XX/XXXX Capital One locked my account. Stating i was not a business owner and should not have received PPP loan. I called Security department for capital one whom stated they needed Schedule C form for XXXX. In which i submitted immeditately, along with several supporting documents showing sales. XXXX is one of my many payment methods, which is connected to my capital one account. Captial one Bank can clearly see sales with customers first and last name next to each dollar amount. I sent statements showing business owner. My account remains locked and my funds inaccessible. This has caused a loss in income for XXXX  payment method. All of my bills that are attached to this PERSONAL account are now in default. They can not auto draft as it would normally. My credit card accounts that i have with them are also restricted. I was told if lock is not released, then this can lead to negative credit rating. I have submitted complaint to Office of Comptroller and heard nothing back yet. I have gone online to see others facing this same nightmare. I reached out to Small Business Administration, to further inquire on reason for lock. SBA stated " Lock is not apart of SBA loan that was given ''. SBA representative stated this is the bank that has decided to lock accounts for ppp loan. I was told by SBA representative to seek legal counsel and submit complaint to OCC. This entire issue has caused such distress to me personally and business wise. My auto loan with them also sent into default. In which may lead to negative credit rating as well. Having to defer this payment until issue is resolved, causes additional interest. This is unfair, especially to be done by a company you trust with your life savings and business. I have other accounts with other banks and i have never experienced this horrible business ethic. Im currently seeking legal counsel to resolve this matter. Im also feeling like punative damages are in play. Loss of income, pain and suffering. I would love to start a class action suit where all the people on XXXX can partake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On Thursday, XX/XX/2021, I, the consumer and natural person, extended credit via my credit card ( social security card ) 15 U.S.C. 1602 ( l ) to SYNCHRONY BANK. SYNCHRONY BANK used my credit and I didn't receive any benefit which is a violation of 15 U.S.C. 1602 ( p ) for unauthorized use. As I read the terms and conditions, SYNCHRONY BANK did not conspicuously disclose my right of rescission under T.I.LA. 15 U.S.C. 1635 which holds them civilly liable under 15 U.S.C. 1640 and criminally liable under 15 U.S.C. 1611 along with a {$5000.00} fine. On Tuesday, XX/XX/2021, I sent my right of rescission along with a cease and desist letter under 15 U.S.C. 1692c ( c ). On XX/XX/2021, SYNCHRONY BANK sent me an e-mail requesting payment and they are currently still reporting on my consumer reports. These acts are violations to my cease and desist. Their reporting damaged my credit and caused me to be denied for a personal grantor business credit card from XXXX XXXX XXXX XXXX. SYNCHRONY BANK provided a monthly statement with a positive balance. The positive balance is a misleading representation. They attempted to collect a debt on my credit that I provided to them. I have sent an Affidavit of Truth with all of the facts and exhibits. I demand remedy for all injury against the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC
State: CA

Complaint narrative:
I financed my residential Solar through Service Financial Company. XXXX XXXX, who installed my Solar System filed for Bankruptcy and is not taking calls or emails. XXXX XXXX was evidently bought by XXXX XXXX XXXX, XXXX. I have tried calling them and emailing, without success. Service Financial stated I am still obligated to pay them, which would be fine, however my Solar is no longer working and my XXXX bill has tripled. 

I have no idea who to contact for help at this point. I am paying {$300.00} a month to Service Financial for nothing. I have researched the internet tiressly for help and discovered there are 1000 's of people in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: MD

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 XXXX 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 2021-09-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent a request in writing on XX/XX/XXXX for these inaccurate, reporting agency altered accounts to be verified and validated with the original contract, agreement or account with my signature and date to match what is being reported.

It is my rights and the responsibility of the reporting agency to provide true and accurate reporting that it actively reports and shares with others and with lenders.

My written request was never acknowledged, never given consideration nor did it resolve the inaccurate and altered issues. Its been over 30 days and I and requesting all refused information is removed at once.

To inaccurately report inaccurate and altered info on a consumer credit report is in violation of the FCRA and violates many laws.

We as consumers are given the opportunity to dispute wrong and inaccurate, altered information however its been proven these reporting agencies refuse investigation and continue to completely and unfairly destroy a consumers right to fair reporting.

I have took an extreme loss and suffered much damage and made a victim of unfair, fraudulent reporting. 90 % of my credit reports are inaccurate and fraudulent. Attached on a report from XXXX it states, Date open XX/XX/XXXX from a company i have never transacted business with, It states, date of first delinquency XX/XX/XXXX. If properly verified and validated with original documents signed and dated, that would resolve many issues. 

All of this evidence will be put together and submitted to the courts for further investigation and compensation. Against Experian, XXXX and 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 2021-09-13 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: OH

Complaint narrative:
I have sent a request in writing on XX/XX/XXXX for these inaccurate, reporting agency altered accounts to be verified and validated with the original contract, agreement or account with my signature and date to match what is being reported. 
It is my rights and the responsibility of the reporting agency to provide true and accurate reporting that it actively reports and shares with others and with lenders. 

My written request was never acknowledged, never given consideration nor did it resolve the inaccurate and altered issues. Its been over 30 days and I and requesting all refused information is removed at once. 

To inaccurately report inaccurate and altered info on a consumer credit report is in violation of the FCRA and violates many laws. 

We as consumers are given the opportunity to dispute wrong and inaccurate, altered information however its been proven these reporting agencies refuse investigation and continue to completely and unfairly destroy a consumers right to fair reporting. 

I have took an extreme loss and suffered much damage and made a victim of unfair, fraudulent reporting. 90 % of my credit reports are inaccurate and fraudulent. Attached on a report from Equfax it states, Date open XX/XX/XXXX from a company i have never transacted business with, It states, date of first delinquency XX/XX/XXXX. If properly verified and validated with original documents signed and dated, that would resolve many issues. 

All of this evidence will be put together and submitted to the courts for further investigation and compensation. Against XXXX, Equifax and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, Paxful banned and froze my account over a dispute that I did not agree with regarding the final verdict. That aside, they said my funds would be available after 365 days which is already a ridiculous amount of time to freeze an account. However, there was nothing that I as a consumer could do, as their customer service did nothing to help. I reached out once the 365 days were over and they are still keeping my funds frozen due to " account review '' without any further information nor timeline to resolving the issue. This is a very long ( unlawful ) amount of time to holding on to my money without any reason to. I have contacted their customer service multiple times and I have not gotten any meaningful response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I want to speak XXXX customer center just ask general question by phone on XX/XX/2021. I XXXX  and found url ( https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The website almost same as real provides custmer number and provided was XXXX. I found this site was imposter after money taken. 

I called XXXX XXXX and seem like real because it was toll free number. They answered as XXXX and ask me to name, address. They told me that they need to refund me some money so they want me to send money first so verify thats my account. They ask me to also download XXXX XXXX ' that they can control my computer I learned after. I downloaded and they want to me to money XXXX to verify my account to refund money. They ask me to send XXXX XXXX by XXXX I didn't make transacthon After I find out that transaction made same ip address bc they could manage my computer by 'XXXX XXXX ' I found after ask tech people. 

I hung up phone when i felt wired. I called chase representative and XXXX transaction made now and pending told me I immidiately ask to cancel and kept me waiting and status was long pending. Chase representative couldnt cancel transaction even I called immediately even status was long pending. 

after I claim to bank this, bank can not help and really need to help this to protect from happening occur by serious scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Several months ago, Flagstar Bank told me I didn't provide my fire insurance for my home mortgage. Actually my insurance agent did send the insurance proof to them several times on time, and also explained that the house is a duplex and there are 2 insurances which both have been provided to Flagstar Bank. Eventually Flagstar admitted it's their problem and said it has been resolved. But they bought an extra insurance anyway and let me pay the extra escrow ( insurance ) cost. 

I pay the mortgage every month on time. But now I got a collecting call from them saying I missed the payment -- that's caused by the extra insurance they bought for me which they promised to correct. 

Now they threat to report a negative credit on me and foreclosure because of the mistake they made. 

This issue lasts for several months. And by the way, the insurance issue showing up every year -- they keep saying I miss the insurance every year which absolutely not the case.

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 2021-09-13 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: DISCOVER BANK
State: NY

Complaint narrative:
Someone I do not know hacked my computer and made fraudulent charges on my account amounting to {$8700.00} and was made on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX Unable to access my chime account because I can not receive the verification code, and they do not offer the option of having the verification code sent to you an alternate way. 
Found out my phone number had been changed tried to update phone number online got all the way up tp getting a verification code enter code enter new number nothing happened. Have been going around and around with customer service sending requested documents and now I am informed my account is on hold due to suspicious activity, I have provided once again requested documentation and I am now waiting for the review department to make a determination. my social security XXXX check goes into that account and I had {$1300.00} to {$2000.00} in a savings account. I can provide a timeline and copies of all emails as well copies of all documentation I provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Nelnet, Inc.
State: MS

Complaint narrative:
I noticed that the Credit Bureaus are not reporting the same information on my credit report among each other, which means its incorrect. XXXX and XXXX are reporting my Nelnet student loan as late when it should be as what XXXX is reporting which is current. This has caused me a lot of stress trying to fix this situation. They must hold the agencies that they collect information from to the law, and furnish only the correct information under the FCRA 623 ( a ) ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bayside Credit
State: CA

Complaint narrative:
For the past year i have complained about thus company distorting the facts on my credit report affecting my credit score. Now i made a payment on my loan on XX/XX/2021. Immediately after they took the payment i checked the payment history. Instead of crediting my account on the day they received the payment the date was set in the future so that i would be charged 2 additional days of interest on my loan. This has never been the case.The payment date always reflected the date it was received and the interest was taken for the correct amount of days. Its a simple interest loan and all interest is calculated between the date of last payment. Because they did this i was charged more money than i should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I noticed that the Credit Bureaus are not reporting the same information on my credit report among each other, which means its incorrect. TransUnion and XXXX are reporting my XXXX student loan as late when it should be as what XXXX is reporting which is current. This has caused me a lot of stress trying to fix this situation. They must hold the agencies that they collect information from to the law, and furnish only the correct information under the FCRA 623 ( a ) ( 2 ) ( B ).

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