vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 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: AFNI INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: CL Holdings LLC
State: DC

Complaint narrative:
Jefferson Capital XXXX continues to lie to the credit agencies about a debt and I continue to request that it is removed yet they continue to change the date on this debt. To me that is criminal but at least it needs to be corrected, it is over 8 years old and was never valid in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Penn Credit Corporation
State: MI

Complaint narrative:
I noticed that I had a medical collection on my credit report so I sent a letter to the collections agency asking to validate my debt, as the law mandates. I sent the certified letter on XX/XX/2021 which was received and signed by one of their agents. They failed to validate my debt in the allotted and have not removed the debt from my credit report as the law stipulates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has not released my inquiry after it has been proven FRAUD. 

XXXX ( 2 ) inquires XX/XX/XXXX XX/XX/XXXX I have sent police report, FTC report and I have reached out to the company XXXX who have verified these ( 2 ) inquires are fraudulent. 

I have reached out to equifax to rectify this problem ( 6 ) different occasions. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX Equifax needs to block and delete these ( 2 ) fraudulent inquires ASAP! By law this is illegal and my next step is to take all parties in involved to small claims court. 

You have 30 days from today to rectify this issue, meaning delete both fraudulent inquires from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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:
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 inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My family and I traveled to XXXX XXXX on XX/XX/XXXX, through XX/XX/XXXX of this year ( XXXX ). We used our Marriott Credit Card just a few times there. In XXXX we discovered that once we left until I discovered in XXXX that several transactions each day were being charged for thousands of dollars. I went to the branch ( JP Morgan Chase ) here in XXXX XXXX, MI ( XXXX ) and put in the claim for fraud. The lady there was very helpful and I could not have gotten to the bottom of it as quick without her help. Within days I seen all the charges ( about a XXXX of them ) credit back as well as the interest. We also canceled the credit card and I got a new number in the mail. 

A few weeks ago I noticed that some charges were put back on my card totaling XXXX that were put back on resolutions department. Which in turn we sent them proof of our travel back to the state on XX/XX/2021. 

We received a letter from them saying that they are removing a XXXX charge. but the other charges were valid since the merchant says so. 

I called back into the resolution department and put in another dispute which then sent me a letter sayin those are valid. 

I have been with JP Morgan Chase for almost a decade and up until now they were very good, but with the international fraud issues we are experiencing they have completely dropped the ball.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: PA

Complaint narrative:
This account is reporting late as reported in my XXXX and XXXX  Credit Bureaus. This was transferred to another lender so why is it acquiring late fees? Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please do so and remove the defamatory information you are currently reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
I did a {$650.00} transaction on Square POS. I know that Square charges 2.9 % processing fee plus XXXX per transaction. However, when logging into my account it was very cumbersome, difficult, and not transparent disclosing the actual amount I would be paid. I finally had to chat with a representative of Square so they could lead me to the correct page to view the amount I would be paid. However my frustration with Square of not being transparent is that it took 5 different pages to find the correct information. But the first 4 pages showed in LARGE BOLD lettering {$650.00}. It was only until the last page ... at the very bottom ... in greyed-out small lettering ... {$630.00} transferred. That should have been disclosed on page 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: FL

Complaint narrative:
EXPERIAN has been discriminitian against me because of my age, race i have reported to experian many times this fraudulent account to my report i have send the all documention, i have call, i have rpeort to state attorney m FTC m local police and have send all the documention of this eligal account and they refuse to removed this ilegal account from my report ... XXXX XXXX XXXX PLEASE HELP ME RESOLVE THIS SITUATION THAT HAS BEEN GOING ON FOR YEARS AND EXPERIAN IS DISCRIMINARIAN AGAINST ME

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 2021-08-16 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/2021, an account for {$5500.00} was opened and funds were paid out to XXXX XXXX  XXXX when no services were rendered nor acknowledgement from surgery center of my information and application process. 

XXXX XXXX had contacted me from XXXX XXXX for a consultation and offered an interest free financing option for the services requested. Upon my approval she said she has set a surgery  date of XX/XX/2021. 2 days later I received a phone call from another representative from XXXX XXXX trying to process a consultation and financing option as well. I told her that I had already done so and if they have my information. She told me to reach out to XXXX to verify and confirm. At that point XXXX did not respond to my phone calls, messages, or emails. I further contacted the office directly and a rep told me to keep trying that she will eventually pick up. At this point I was afraid my information was compromised. I proceeded to leave phone messages and emails to the supervisor and accounting department regarding my information being falsely taken by a representative and they too failed to respond. @ weeks later, another representative contacted me notifying me that XXXX is no longer with their office in which I emailed back to verify my information and to please confirm that all services and application has been cancelled. She too, has never responded. 
On XX/XX/2021 I received a statement of financing from XXXX XXXX for payment on an open account for {$5500.00}. They notified me that I have an open account with Comenity Capital Bank for that amount. I filed a dispute with their company, as well as filed a report with XXXX XXXX  XXXX  against XXXX XXXX, and filed additional disputes with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Dear Sir/Madam : I am writing to complain and report XXXX XXXX XXXX for trying to abuse the credit reporting process to extort and coerce me into paying a debt I do not owe. XXXX has engaged a Cain and Weiner - a debt collection agency - to recover non-existent a {$410.00} debt claim. I've called and written Cain and Weiner to dispute, complain, and demand that the debt claim be fully removed from my credit record with the three credit reporting bureaus. Yet the debt is still showing on my record even though qualified as disputed. This debt claim is not legitimate or valid whatsoever. My transactional interaction with XXXX XXXX XXXX is as follows : On or about XX/XX/XXXX, I paid XXXX XXXX XXXX {$870.00} for 6 months policy coverage per their quoted premium ( Exhibit A ). Full payment was made via ACH on XX/XX/XXXX. Sometime in XX/XX/XXXX, XXXX XXXX XXXX tried to increase the premium which I rejected. I informed XXXX XXXX XXXX of my decision to cancel the policy and did so on or about XX/XX/XXXX. Upon cancellation of the XXXX XXXX XXXX policy, I purchased another policy for the same vehicle with XXXX XXXX effective on or about XX/XX/XXXX XXXX Exhibit B ). 
I exercised my legal right to cancel the XXXX XXXX XXXX auto policy before the end of the term for which Id fully paid. I dont owe XXXX XXXX any debt. Neither the company nor its collection agent have explained to me the basis for this debt claim? 
I respectfully request an investigation into this debt claim. XXXX XXXX XXXX should provide the basis for the claim if one exists and any supporting evidence. Otherwise, this false item should be expeditiously removed from my credit record entirely. Failure to do so would be an abuse of the credit reporting process designed to extort and coerce me into paying a debt that I consider totally invalid and not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender .. this was ran through a third-party with out my permission for these particular company thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: MD

Complaint narrative:
Good morning The new American mortgage was keeping changing the amount we need to close and on close day the bank change the closing amount for more money and took our didnt count our deposit and gift money that they said we need it. Now we pay more than we supposed to and they stole gift money and more. They changed everything on the day we are sitting and signing closing documents. They changed 10 times ; XXXX XXXX, XXXX XXXX, XXXX XXXX, and more people that keep taking our file. XXXX and XXXX send and call my agent and I impropriety names also XXXX and discriminatory language was use by the bank. They never answer the phone ; is all fraud. They took our money and no explanation. I go XXXX from this people screaming at me and saying bad things to me and humiliated me. I cry so much because they treated me of taking my home and having my family and I in the streets if I reported them. Please help. Thank you so much XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX, Citibank notified me via email that an EFT payment for {$130.00} scheduled on a XXXX checking account for -- note this -- XX/XX/XXXX could not be processed. Then on XX/XX/XXXX, {$380.00} another EFT scheduled for XX/XX/XXXX could not be processed. On XX/XX/XXXX, another {$190.00} could not be processed yet I was not notified until XX/XX/XXXX. 
After researching the XXXX account, I found there was ALWAYS funds to cover the EFTs. The XXXX account was NEVER overdrawn since inception. A call to Citi invoked a conference call between the Citi senior representative and a XXXX representative. 
It was confirmed by XXXX that there was always funds to cover the EFTs yet absolutely no record of any attempt by Citi to collect funds. 
A complaint to Citi resulted in an email exchange with Citi 's Executive Response Team. I requested the documentation for their excuse that the account was 'frozen ' or Citi was an 'unauthorized user ' in emailed correspondence. Citi have produced none. XXXX relays the EFTs were never presented nor was there ever a freeze or unauthorized used of the account. Citi was paid through this account from XXXX to XXXX. 
Citi requested a payment on XXXX, XXXX of {$200.00} which was received and confirmed on XX/XX/XXXX YET they reported an overdue and over the limit account to the XXXX major credit bureaus, maliciously harming my credit. Citi had options. They could have produced the reasons from XXXX in a timely manor. Inasmuch as XXXX failed to notify Citi -- if that were true -- of the actions, I should have been notified of the problem. That would have initiated a conversation of how to handle the situation. Today, I don't know if XXXX is at fault ; they deny any knowledge of the situation, yet Citi blames 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
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
Sadly due to the downturn in the ecomony and loss of job we fell behind on our XXXX card. XXXX wrote the debt off as a write off. 

This XXXX we received a summons to respond to a court filing about this debt. We were not given a case number and we were told in the paperwork not to show up to court but rather to file an answer. Of course the paperwork also asked us to resolve the debt if possible and the paperwork from this random collection agency also stated they would help us to resolve it. 

Along with these requests we informed the agency that we live in an area that does not received USPS mail and provided them with our mailing address. We had not received any communications from them prior to the lawsuit being filed. 

We attempted for 2 months to contect them using every option available. We called, we emailed, we submitted requests through their website, we faxed them, nothing. We did file an answer with the courts and asked for an extention so that we could work this out with them. We received nothing. 

That was until a wage garnishment happened. Now, we are stuck with a wage garnishment, and we are happy to pay off the debt, at this point we have no other choice, that is until we can obtain legal counsil and begin litigation. 

The amounts that they are garnishing us for is NOT being accuratly accounted for by the collection agency. In addition, I've asked to mailed a statement so we can understand why they are not appling the funds correctly. We are and have been prepared to pay this debt in full but they refuse to communite with us, nor will they respond to our requsts. 

Example - Starting Debt was {$9100.00} To Date Wage Garnishments - {$1500.00} Payment Directlty to them - {$5000.00} Total outstanding {$2600.00} Accounding to their website today it is {$3600.00} So again, missues to funds and not being applied to the account. In fact they have only applied the additional payment and have not applied any funds received via almost 2 months of wage garnishments. 

I log in to the account weekly, and update our mailing address, they the debt collector continue to change it back to our physical address. I have emailed, I have faxed, I have called them and they refuse to update our information nor will they send us information about this current debt to a location that we can receive it at. This has been going on for months and there appears to be no end in site. Please help us!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TN

Complaint narrative:
I checked my credit reports, and noticed that Receivable Management Services, LLC was listed as a debt collector. They showed on my reports that I owe {$130.00}. I sent them a certified letter to validate the debt that they received on XX/XX/2021. They sent me a final bill from XXXX XXXX XXXX. I CURRENTLY HAVE XXXX XXXX XXXX insurance, and I called them, and informed me that they do not have any records of me owing them. I sent Receivable Management Services, LLC another certified letter that they received on XX/XX/2021 letting them know that they did not validate this debt. They just sent me yet another copy of a final bill from 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 2021-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I made a purchase online in XXXX and paid for that purchase with my PayPal account which I have had for over 15 years. I did not receive the merchandise and requested a refund from the seller. This refund was made in a series of payments to my PayPal account and PayPal froze my account for 21 days holding those funds. It has now been more than 30 days and PayPal refuses to let me transfer those funds to my bank. They will not release my funds. I spent over twenty minutes on the phone with a representative who refused to close my PayPal and credit card account with them and send me my funds, which they are illegally holding. I have had this account with them for over 15 years and never had a problem, but their actions over this incident have caused me to lose confidence in PayPal and their system and I simply want my funds transferred to my bank and the account closed. They refuse to do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been trying to withdraw funds from my account but they put a withdrawal restriction on the account since last XXXX ... I filed a previous complaint about this but you refered me to FINRA but after awhile they advised me to submit another complaint with you because the problem is about my right to withdraw funds I deposited to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Instarem PTE Limited
State: TX

Complaint narrative:
On XX/XX/2021, I received this email from them : " Please be informed that a business decision has been made and your account has been closed due to our internal policies. Unfortunately, due to our privacy policy we will not be able to provide you any more detailed information. '' They took all of my personal information and private business information as an application and then denied without reason.

Company response to consumer: Closed with explanation