vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I've had a serious financial impact to my wholly-owned business due to Covid-19. Total receivables booked since XX/XX/XXXX has been a negative ( {$1700.00} ). I have only paid the minimum payment amount on my corporate Visa credit card account issued thru J.P. Morgan Chase, N.A. Shortly after the pandemic hit I called to see if a settlement agreement could be reached to close the account out entirely. The settlement department offered to close the account if i could pay 90 % of the principal balance.

I did not take the offer as I also had to negotiate a settlement offer on a corporate bank line of credit. that was resolved in late XXXX of this year. 
I called the settlement department on XX/XX/XXXX to resurrect that offer. I spoke with two individuals who said the only offer they can make at this time is 100 % payment of the principal balance. I find this totally unsatisfactory as a severely impacted small business seeking redress from one of the largest financial institutions in the world. 
I could declare corporate and personal bankruptcy in a heartbeat. I own a car, a business with little in the way of assets and a retirement account of roughly {$300000.00}. I'm XXXX years old. All I'm looking for is a fair settlement to resolve the entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting that I am ( 90 ) days late on the XXXX account. ( Please see page attached from my credit report. ) I was granted a forbearance due to a financial hardship with COVID. This false reporting of lates is incorrect and is seriously harming my credit score. This line item needs to be updated and/or completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: NC

Complaint narrative:
Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXXXXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: OpenRoad Lending
State: TX

Complaint narrative:
I'm subscribed to XXXX XXXX 's credit monitoring service. After my score went up a few point, they offered to use their pre-qual form to find my offers for personal loans AFFIRMING that it would not affect my credit. After submit this alleged soft-inquiry I then received alerts from other services I use that my there had been several hard pulls on my credit file which is VERY unacceptable. I'm currently working on my credit and would have NEVER submitted the form if I knew they were going to do a hard pull which is counterproductive to what I have going on. This happened at the beginning of XXXX. 

I suspect XXXX XXXX illegally and without permission sold my information to other creditors. That is the ONLY way these companies would have even had my information for a hard pull. This is a very misleading tactic by XXXX XXXX and if it is included in their " terms '' it needs to be very clear. 

XXXX XXXX, Open Road Lending, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX all had access to my credit information FRAUDULENTLY. I had to suffer a score decrease across two bureaus because of this. I reached out to these companies the same day in an attempt to fix this and see what happened but they all acted clueless and said they would TRY to remove the inquiry and that is not good enough because they were never supposed to have my information in the first place. 

This is the email communcation from one of the companies involved, " [ F ] lagship received the application through Open Road Lending, ( XXXX ) XXXX XXXX, case id XXXX on XX/XX/2020. You may want to contact XXXX XXXX and Open Road Lending to learn more about the handoff steps each took in sharing the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
Medical Data System have committed several federal violations against me, a Private law abiding Federally Protected Consumer.The attachment show they created me a false account number, false open date, and false amount owed and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Medical Data System.Medical Data System does not have a certificate of Authority to do business in Alabama. Medical Data System have not sent me a dunning letter but they have put a fraudulent account on my credit report.Medical Data System do not have the authority to collect any money from me.Medical Data System is guilty of racketeering, forgery, and obstruction of justice.Medical Data System is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Medical Data System, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Medical Data System. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company 803 of fdcpa.Acccording to the FDCPA 1692H I am owed money for all violations

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 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2021 we received a letter from Synchrony Bank They informed us that they had Immediately closed an account which had been inactive for over three years.

They Notified the major credit bureaus and Initiated an investigation and flagged our information in their system. 
On XX/XX/2021 our XXXX XXXX XXXXXXXX Visa account was flagged for fraud and the account inactivated. 
Upon checking our Credit Bureau Credit scores with XXXX and XXXX we could not get the reports. 
On XX/XX/2021, we received a Fraud Investigation Form from Synchrony Bank.

We have never contacted them in any was and would not have paid attention except for the course of 'Fraud flags ' instigated by this Synchrony Bank action.

This is clearly some type of hacking fraud. We went on line to see reports or complaints against Synchrony Bank ... ..too much to read in a day. We wonder how this sort of thing has been allowed to go on. We are sure we are not the only ones wo have been subjected to this.

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 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
XXXX XXXX is an app in which you buy electronics bags clothes jewelry ShopXXXX ask me to pay thru money gram for the merchandise for lesser price due to shipping delays I feel like I am a victim of fraud I paid they haven't shipped contacted no response XXXX XXXX XXXXXXXX expand_more Reference No. XXXX TRANSACTION STATUS Completed TRANSACTION DATE XXXX XXXX XXXXXXXX TRANSACTION TIME XXXXXXXX XXXX  CDT This transaction has been successfully sent to XXXX XXXX. 
RECEIVER XXXX XXXX RECEIVE AMOUNT XXXX TRY RECEIVE METHOD Cash Pickup SEND AMOUNT XXXX USD PAYMENT METHOD Debit/Credit Card FEES XXXX USD Total Cost : XXXX XXXX Send Again View Receipt Support expand_more Legal Information expand_more Corporate expand_more XXXX MoneyGram. Licensed as a Money Transmitter by the New York State Department of Financial Services. Massachusetts Check Seller License # XXXX, Foreign Transmittal License # XXXX, NMLS # XXXX. Licensed by the Georgia Department of Banking and Finance ; XXXX # XXXX. 

Follow us on : close MoneyGram Logo Your Receiver can now collect these funds at any MoneyGram Location in the expected destination. To find a Location, please check our Locator. You should communicate your Reference Number [ or Bancomer Confirmation Number, as applicable ] to your Receiver to facilitate payment.

MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXXXXXX XXXX  CDT Sender Information MoneyGram Plus : XXXX Name : XXXX XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX United States Receiver Information Name : XXXX XXXX Expected Destination : XXXX Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : Mastercard XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Rate : 1 USD = XXXX TRY Receive Amount : XXXX TRY Other Fees : XXXX TRY Other Taxes : XXXX TRY Total Receive Amount : XXXX TRY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: IA

Complaint narrative:
On XX/XX/2021 I submitted a dispute with Equifax over multiple inquiries on my credit report. On the same day, they closed the dispute without any investigation taking place. Under Section 611 ( a ) ( 1 ) of The FCRA the CRA XXXX Equifax in this case ) is required to conduct an investigation or delete the item within 30 days of ANY information they are notified may be incorrect. When I called Equifax to inquire why an investigation had not taken place, they told me that I could not dispute inquiries and to contact the companies I have never done business with to remove them. The FCRA places no such burden on me as a consumer to do this. The burden is placed on the CRA to conduct an investigation or delete the item, period. XXXX v XXXX is a court case that has this exact same scenario and the court said that under Section 611 the CRA has to investigate inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I picked a car in XX/XX/2015 financed by Santander Consumer USA. The price of the car was {$11000.00}. After the processing, they had created a loan of {$13000.00} including fees and other charges. The monthly instalment was {$340.00} for a period of 5 years. After a time of 6 years, {$24000.00} has been paid back and still a balance of {$7600.00} has to be paid, which is a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX should not be reporting that I am ( 90 ) days late on the XXXX account. ( Please see page attached from my credit report. ) I was granted a forbearance due to a financial hardship with COVID. This false reporting of lates is incorrect and is seriously harming my credit score. This line item needs to be updated and/or completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was victim of identity theft so I called experienced to dispute some fraudulent activity in my report on XX/XX/2020. I also froze my account at that time. Then on XX/XX/2020 I got an email saying that my email had changed in my account. I was the. Locked out of my account. I replied to the email that was sent and told them I had not changed my email but never received a reply back. I tried calling Experian on XXXX and was told the security questions I gave them were not correct and they could not access my account for three days. Then I was sent to fraud department who said they could not help me with identity information that was membership problem. The person was rude and hung up on me. I called again and spoke to someone else I to clarify information on my credit report but he could not get because someone changed my pin on my membership and freeze. I had to send in a letter. I believe this is an inside job with employees and must be investigated.

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 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I noticed XXXX on my credit report and called them to pay an alleged debt so that it would not negatively affect my credit. Upon calling I was informed the debt was transferred to XXXX. The debt reporting on my credit report is {$260.00}. Upon calling XXXX to resolve and pay I was informed that an additional collection fee of {$27.00} was added in which I did not agree to and do not agree to pay. I asked XXXX XXXX XXXX supervisor ) to remove the fee and was denied. I do not owe the additional fee and should not be obligated to pay this amount or have it negatively affect my credit due to my refusal to pay a company whom I legally do not owe.

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 2021-04-08 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: IA

Complaint narrative:
I signed up for XXXX XXXX  and did so via chat so that I would have written record. I have supplied copy of written transcript to XXXX XXXX as well as Receivables Performance Management. I have also supplied them with copy of XXXX receipt showing that their equipment was returned. Although, I know the debt is not for either of those things, they will not tell me for what they are trying to collect. I have excellent credit and this is affecting it and causing me much worry. Please, help 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 2021-04-08 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: GA

Complaint narrative:
This is regarding my XXXX XXXX card. It is currently active and I use it monthly. It reads closed on my credit Report. I have asked both XXXX XXXXXXXX and experian to correct this. Card was never closed on XX/XX/2020. I am trying to qualify to buy a house and need to show more open credit. I also don't want it to appear as a newly opened card that will not help my credit.

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 2021-04-08 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: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA

Complaint narrative:
I refinanced my mortgage in XX/XX/2020 with PRMG. We set up auto-pay with our bank XXXX XXXX. We had 5 months of successful payments. Our XX/XX/2020 payment was issued promptly by XXXX but was not processed by PRMG. The money left our account & was returned after the XX/XX/2020 payment had been issued. When the XXXX payment was returned to our account we contacted PRMG, discovered that there zip code was incorrect ( fixed that issue ) & immediately direct re-sent them the payment & made our account current. PRMG ( or their loan servicer XXXX XXXX reported to the credit bureaus that we had a 30 day late payment. My XXXX credit score took a 120 point hit. 
I have spent hours with them on the phone & sent dozens of e-mails to both XXXX & PRMG trying to get resolution. I have promptly provided both companies every piece of documentation they requested from XXXX XXXX clearly showing the payments leaving the bank on time. 
At this point in time, despite promises & advocacy from PRMG my credit remains damaged. They claim that XXXX is the obstacle in repairing my credit. My problem with this situation is that PRMG/XXXX  happily processed our payments in several past months prior to XX/XX/2020 & never alerted us to any problems with our auto-pay. We in good faith engaged PRMG & set-up a payment program. Even after concrete documentation provided to the lender showing this to be true, their position has not changed. 
All I want is my credit fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: U.S. BANCORP
State: TX

Complaint narrative:
XX/XX/2021 - Credit pulled by USBANCORP, XXXX XXXX, and XXXX XXXX XXXX. XX/XX/2021 - Credit pulled by USBANCORP. 

I did not myself request my credit to be pulled for any reason. I have no accounts with any of these lenders. 

XX/XX/2021 - I called USBANCORP and they suspect fraudulent activity. I also called XXXX  and they recommended I submit a complaint.

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 2021-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2021 - Credit pulled by XXXX, CAPITAL ONE, and XXXX XXXX XXXX. XX/XX/2021 - Credit pulled by XXXX. 

I did not myself request my credit to be pulled for any reason. I have no accounts with any of these lenders. 

XX/XX/2021 - I called XXXX and they suspect fraudulent activity. I also called XXXX and they recommended I submit a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 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: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Forbearance plan initiated XX/XX/XXXX. Late payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, has been paid during forbearance plan. Pennymac is constantly reporting me 60 days late in forbearance, even though all monies are paid, besides whats due during forbearance {$16000.00}. Credit reporting is triggered somehow thru phone calls or payments to Pennymac. If no communication is initiated, then credit reporting ceases. Communication with my mortgage lender, should not trigger negative credit reporting on specific months, when in forbearance. If its consistent, then all months should say 60 days late, but the error comes in when I was actually 90 days late from XXXX. This information is not correct in my credit profile and should be updated immediately. Pennymac is the worse Thanks

Company response to consumer: Closed with explanation