vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Last XXXX billing cycles Ive been charge interest and when spoke with XXXX at XXXX she advise that I am still receiving interest charge from XXXX. However XXXX from XXXX and XXXX has been paid in full. Also if I dont pay the statement balance by the due date I will receive interest instead of paying by the statement date. My statement stated balance has to be paid in full by statement billing period. I have XXXX months of partial statement balance payments yet XXXX months of interest charge and They are refusing to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NV

Complaint narrative:
I sent in a few letters over the past XXXX months the most recent one was stating the laws that Equifax violated and they sent me a letter in return stating that Inquiries are factual and can not be removed from a credit report. I also called them and the representative that I spoke to stated that they didn't have to abide by the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer and Permissible purposes of consumer reports Laws or any laws for that matter I asked to speak to a Senior XXXX Management to see if he would send me a affidavit of truth stating that they had something in written or signed by me authorizing Equifax to furnish the inquiries on my report in the first place and they said they didn't have to do that I asked could I have the name of the person I was speaking to they said no they didn't have to give that information out, so I said to the lady I was speaking with it seem to me that Equifax is able to furnish all my information for anyone to see with out my authorization and she said correct and then started acting like there was something wrong with the phone saying hello hello hello and hung up on me. I can't believe these are the people that are in control of our consumer credit reports. 
I have tried to take care of this matter with Equifax directly on a few different occasions but they will not operate within the guide lines of the law they refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have currently been with Navient XXXX XXXX company but after XXXX years of making payments I found out that the XXXX loan division was showing that I owed them for the exactly same loans making it seem as if I never paid my XXXX loans when in fact I had been paying for more that XXXX years. I have all papers to prove this fact and when contacting Navient they were of no help! I was then released from my place of work after almost XXXX years of employment and continued to make payments even during unemployment until I was no longer able to make payments which were not being shared with the XXXX  loan agency. I have paid more than my loans back and would like a resolution to this life-long payment issue. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My mortgage was originated by XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX, who sold my loan to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, who placed my Dept of VA loan into the XXXX XXXX XXXX XXXX on XX/XX/XXXX in which they used XXXX procedure of endorsing the Mortgage Note in Blank making XXXX XXXX the owner of the Note, however not owner of the debt as they did not and could not purchase the debt. 

XXXX when out of business on XX/XX/XXXX, when the FDIC declared it a " failed bank '' at that point in time no payments should have been collected as a financially interest party was owed anything. Wells Fargo Bank started servicing my loan on XX/XX/XXXX, as part of the servicing deal between XXXX XXXX Wells Fargo Bank ( Wells ) on XX/XX/XXXX. 

Wells had an outside legal firm in XXXX XXXX XXXX create a fraudulent document in the form of Assignment of Deed of Trust on XX/XX/XXXX forged by Attorney XXXX XXXX performing fraud as Asst Secretary for Mortgage XXXX XXXX XXXX XXXX ( XXXX ). XXXX made it appear as if Wells purchase the loan debt on XX/XX/XXXX from XXXX XXXX XXXX who had already sold the loan back on XX/XX/XXXX to XXXX. No one but the " holder in due course '' has the right to place a lien against the property for a mortgage loan debt. 

Wells has in several writing has stated it purchased the loan and then admitted that it was not the owner and was working for XXXX XXXX. Wells or XXXX XXXX are not the owners of a mortgage debt I owe and as with ever single loan placed into a XXXX XXXX XXXX it is done by separating the Note from the debt by the blank endorsement! 

Wells needs to provide me with a bank wire transfer or cancel check showing that either they or XXXX XXXX purchased the debt. Wells could not legally deliver and have recorded the Assignment of Deed of Trust in their name. 

I enclosed the Note which show the blank endorsement and assignment plus the letter from the FDIC verifying the sell of the loan from XXXX to XXXX of XX/XX/XXXXXXXX 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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/2018 someone opened a fraudulent XXXX credit card in my name with a {$4000.00} limit. They spent {$1300.00}. They also used a fake address and misspelled my first name ( both of which I was able to remove from my credit report ). 

I filed an Identify Theft Report in XX/XX/2018, and have been trying to get this account removed from my name for 3 years. Equifax is still showing it on my credit report because XXXX still says that it was my card... even though it was not. I have disputed at least 5 times, and nothing has been resolved. Most recently the account was " charged off '' but still shows as a closed account, with late payments and an outstanding balance. 

This is incredibly frustrating, and totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NJ

Complaint narrative:
I am having problems submitting reports online and through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Yamaha Motor Finance Corporation USA
State: AL

Complaint narrative:
I have had a problem with Yamaha Motor / Yamaha Financial Services before. I'm not the first person to have problems with Yamaha. I went to get a loan and THEY HAVE REPORTED XXXX PAYMENTS AS XXXX DAYS LATE, XXXX PAYMENT AS XXXX  DAYS LATE AND XXXX PAYMENT AS XXXX  DAYS LATE for the year XXXX. THIS HAS ADVERSELY AFFECTED/EFFECTED MY ABILITY TO OBTAIN CREDIT AND/OR CAUSED ME TO HAVE A HIGHER INTEREST RATE. I requested a payment history from Yamaha of which I received through email. XXXX THROUGH XXXX SHOWS EACH PAYMENT WAS POSTED ON THE CORRECT MONTH, DAYS BEFORE THE PAYMENT IS DUE WITH THE EXCEPTION OF XXXX XXXX PAYMENT WHICH WAS POSTED ON THE DAY/DATE THE PAYMENT IS DUE. THAT IS XXXX MONTHS OUT OF XXXX MONTHS THAT YAMAHA HAS FALSELY REPORTED MY PAYMENT INFORMATION TO THE CREDIT BUREAU 'S. I have, not only the email from Yamaha, I have my bank statements showing where the payments clear my financial institution. I'm asking for Yamaha to correct their wrong behavior by inaccurately reporting false info to the credit bureau 's. And to APOLOGIZE TO ME FOR FALSELY REPORTING MY PAYMENTS AND TARNISHING MY CREDIT. They are continuing to give themselves a bad reputation. I may have something else to add to this complaint in the future. DATES : XXXX through XX/XX/2021. AMOUNTS : {$240.00} EACH MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I reached out to CMRE Financial Services on XX/XX/2021 with a debt validation letter for XXXX derogatory marks the company has on my credit report history and they have failed to respond. They have not removed the derogatory marks from my credit report despite being unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
My complain is about Crypto.com. I opened crypto account a while back and when i opened the account to trade crypto currency i scaned  my id and everything they wanted and i started trading crypto currence. At some point i wanted to withdraw my currency to my bank account and they wont let me withdraw the money since my mailing address is po box and i tried reaching out to them saying that we live in area we dont get mail delivered so we are mandatory required to have po box address so all my utilities and bank account and even my id has po box . 
My complain is why did they not disclose this when i opened the account that i need physical address not po box why did they allow me to use my bank account and my id which has po box address to open account and now i want to withdraw they come up with this that i need physical address.they need to let the customers know before they open account not when they want to withdraw. 
I lost so much money coz i was not able to withdraw crypto whien they were up and now they are down so i lost money and they are not taking any responsibilities and my money is stuck and i cant withdraw.

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 2021-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am having problems submitting reports online and through the mail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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:
On or around XX/XX/2021, I disputed inquiries from XXXX XXXX Auto Finance ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 ), The XXXX XXXX XXXX XXXX ( XX/XX/2021 ), and  Capital XXXX ( XX/XX/2021 ) with TransUnion to no avail as evidenced by the return receipt. In addition, I contacted the creditors via written correspondence as evidenced by the return receipts, and they could not verify that I completed an application with them. TransUnion failed to investigate this matter or show me any proof illustrating that these creditors had a permissible purpose to access my credit file ; and as a result, my credit has been adversely impacted. TransUnion failed to confirm that the above referenced creditors had a permissible purpose to access my credit file. In fact, I previously disputed an inquiry that TransUnion allegedly verified, but the company, XXXX XXXX, communicated that it was an error and it would be removed as illustrated by the enclosed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion and XXXX is reporting an inquiry from XXXX XXXX on XX/XX/2021 on my credit report. I have filed several request to be removed. I also contacted XXXX XXXX. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It did not belong to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian signed me up for a XXXX monitoring service WITHOUT my permission while pulling up a credit report. From the my phones internet browser XXXX is not able to see the option to cancel service. You have to change it over to DESKTOP site in order to see it. Months went by if my card getting charged XXXX from XXXX to XXXX without be able to cancel it or know to check the desktop site. 
I then cancelled the card and had a new number issued. Somehow EXPERIAN got that card number from XXXX XXXX BEFORE it even arrived at my house and change the number on their autopayment side and STILL CHARGED ME AGAIN. I sent them a nasty email and said to refund within XXXXXXXX hours and they did/but only the the month they charged on my new card number that I did not even know yet! 
I just logged into Experian to get documents and they are telling me I dont have a account anymore. I will collect XXXX statements of charges and the most recent credit on the new card-will get that by the time you respond..

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 2021-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am the consumer. After discovery and review of my consumer report, I found that Transunion has reported information on my consumer report without my written permission which is a form of Identity theft. The law clearly states : " XXXX XXXX XXXX Permissible purposes of Consumer Reports ( XXXX  ) in General Subject to subsection ( XXXX XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates '' I never gave Transunion permission or consent to report any information on my consumer report and they have not provided documentary evidence to prove that I gave prior consent. No consent is identity theft. 

ACCOUNT ALLEGED AMOUNT XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX {$19000.00} XXXX XXXX {$5600.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day XXXX days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, and it has been well over XXXX days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and updated to paid as agreed. My information was also impacted by the Equifax data breach. Unauthorized accounts XXXX. ) XXXX XXXX - XX/XX/XXXX, XXXX. ) XXXX XXXX XX/XX/XXXX. XXXX. ) XXXX XXXX XX/XX/XXXX. XXXX. ) XXXX XXXX XX/XX/XXXX. XXXX. ) XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: WI

Complaint narrative:
On or about XX/XX/2021, I applied for a Chime account. During the process I received a message that I already have an account and that I should please sign in with your email XXXX That is not an email account I ever created or use. 

I contacted Chime by email since I couldn't get through to a live person due to there meu system that doesn't allow a non-customer to talk to a person. Several emails were exchanged in some with copies of my XXXX Driver License and Social Security card which they requested. I never heard back from them as to a disposition of the matter. 

I contacted XXXX Bank who services their accounts and described the problem. They stated they could only access the information regarding this account if I could provide them with the account number. Since I did not open the account and it is not my account, I obviously could not provide them with the account number. 

So at this point someone has a financial account with Chime and their servicing bank under my Social Security number and presumably my name and there is nothing either Chime or XXXX Bank will do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bilateral Credit Corp, LLC
State: NV

Complaint narrative:
I settled on a judgment in 2007. The same company has filled the same judgment seized my XXXX account for the exact same judgment. 
I suspect that is happening to other people who dont know. But not limited to people who died from XXXX and its variance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
XX/XX/21 I applied and was approved for secured loan with One Main Financial. I was approved and uploaded required documents for a check disbursement from a XXXX in the XXXX, MN branch. I signed all the necessary documents in the branch via a computer. I was told my loan would be disbursed immediately. 

I cancelled an important meeting as to meet with her in person and obtain check. XXXX the wrong payoff on my vehicle from the current XXXX holder. I informed her such information was incorrect. XXXX was very abrupt and rude and told me, " she waited on hold XXXX minutes to get my pay off amount and that it was correct! '' She then said she was, " Done and that I had to leave the office immediately '' without offering any other information. 

I contacted the OneMain XXXX XXXX in XXXX, IN and was required to leave a VM and wait for a call back. As of the time of this complaint no one has returned my call. 

I then called XXXX -- XXXX and was told I had to go through the sales center and could not visit a branch. I was transferred to a XXXX, referred as my, " closer. '' XXXX then told me he had all documents necessary except for my vehicle registration and to upload that via my OneMaiXXXX account on line. Trying to log into my online account, but it is NOW MISSING! 

I then called OneMain XXXX number again and I was put on hold XXXX minutes ONLY TO BE TOLD SHE HAD TO TRANSFER ME. I was transferred to the main number once again! That representative told I had XXXX applications on file. I only applied for XXXX and have submitted and filled out ALL DOCUMENTS AND SIGNED LOAD DOCUMENTS THIS morning with XXXX!

Company response to consumer: Closed with explanation