vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote a letter to XXXX because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that kohls had taken out three payments due to a glitch while paying on line! I called XXXX  immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you 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 2021-08-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 650 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GFS II, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX Gateway Financial Solutions repossed my car with my property in the car, my children 's XXXX, clothes shoes, my purse, my driver license and my ear pods, They have refused to give me any of the said items including my cash in car of XXXX $ I would like 2 retrieve my items. THEY ARE ASKING ME TO MAKE A PAYMENT OF {$150.00} TO RETRIEVE ALL ITEMS IN VEHICHLE. THEY HAVE REFUSED TO GIVE ME ANY ITEMS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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: PA

Complaint narrative:
XXXX continues to report the account status of an account discharged in a chapter XXXX bankruptcy, every month on TRANSUNION. A letter was sent to XXXX to ask them to stop, but in response, XXXX has now updated that status to current on XXXX  as well. Credit score dropped 26 points.

They must stop monthly reporting and updating the status fields status updated on and balance updated every month. This can be seen as an attempt to collect a debt that has been discharged in a bankruptcy, a violation on the FCRA.

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 2021-08-09 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: Santander Consumer USA Holdings Inc.
State: UT

Complaint narrative:
Chrysler Capital is reporting late notations on XX/XX/2019. My husband and I worked for a company that ended up going bankrupt and leaving both of us with no work. We kept getting promises of getting paid and we went months without receiving a paycheck and when the company went bankrupt, we saw no pay for the months of work that we did. We fell behind on accounts and caught up as soon as we could. We ask that Chrysler Capital please remove the XX/XX/2019late notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TN

Complaint narrative:
I am filing this complaint because Credit Bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: VA

Complaint narrative:
I rented a car from XXXX that had a problem and I was XXXX I would not be charged. 
I was charged and asked XXXX XXXX to investigate and deny charge. They denied the charge. Several months later I received a collection letter from Viking Client Services. 
On XX/XX/2021 I wrote Viking a letter and offered to settle the {$77.00} debt for {$90.00}. On the back of the check I wrote " I full satisfaction of account number XXXX ''. Viking cashed check. Next I received a demand letter for {$77.00} from Viking. I called them to let them know that the debt was settled. Ms. XXXX XXXX informed me that " anybody can write a letter '' that doesn't change the debt and settlement offer have to come from them. 

Viking is clearly operating outside of the law. I sent a written settlement offer that they accepted. They could have rejected the offer and returned or destroyed the check. Further, it can be argued that by putting their " For Deposit " stamp over my " In full satisfaction stamp.. '' they fraudulently alter the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX the executive manager discriminated me because Im XXXX  and XXXX  XXXX  never respond to my call all last week when he reply he had a bad attitude look like he sound sleepy on the phone bad customer service from XXXX he told me chase bank executive manager cant take a hold off a check he was unprofessional he never responded to my phone call I call all last week he never got back with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX, 2021 : XXXX offered a trial of this product. I was led to try the product for {$5.00}. Instead, XX/XX/2021 : I got the following debits from my account : {$1.00} and {$49.00}. 
On my bank statement, the phone number assigned to XXXX is from PayPal. I do not have a PayPal account and did not authorize XXXX to use PayPal. 

XX/XX/2021 : XXXX, ID # : XXXX, wanted me to provide my SSN, my credit card number, and my banks account and routing numbers. I did feel comfortable providing these, so I initiated a non-fraud claim. Also, XXXX could not verify that I had PayPal and did not ask the name of the company or the products name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: NY

Complaint narrative:
Equifax is reporting an account with no creditor or a collection agency name no one to validate the account with. This is a violation of my consumer rights. I demand the account is deleted immediately as to there is no way this account was validated. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
In XX/XX/2021, I was notified by XXXX XXXX of new account in collections. Prior to that, I had none. The debt of {$830.00} says it was opened in XX/XX/2021 and the original creditor was XXXX XXXX XXXX. I disputed the charge and they said, it's legit. 

Here 's the issue, I have no clue what the XXXX this is for, received no communication and even after the dispute, none of this has changed. I only have 3 credit cards, I think the oldest is 4 years old. 2 are with XXXX XXXX and 1 is with XXXX XXXX XXXX XXXXXXXX. So, if this is mine, not only did they break the law below, I still have no idea where this came from, when it really happened and why it's in collections when there were no late payments for any credit card servicer in the past 4+ years. 

The Fair Credit Reporting Act excludes from Consumer Reports, accounts placed for collection or charged to profit or loss whose delinquency date predates the consumer report by more than seven years. The seven year period begins upon the expiration of a 180 day period beginning on the date of delinquency of the account. The date of delinquency then, determines how long the consumer debt can be reported on a consumers credit report. The date of delinquency occurs on the date when the first payment is missed regardless of how long after the delinquency the creditor charges off the account to profit or loss or places the account with a collection agency. The date of delinquency remains fixed until the account balance is paid in full. This date of delinquency therefore, remains even when the debt is placed with a collection agency, assigned or sold. Neither the Charged Off date nor the date when the account is placed with a collection agency can be used as the date of delinquency on an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
My order number : XXXX current order contains XXXX bitcoins, worth $ XXXXTransaction hash address XXXX I asked for a refund, but Coinbase Commerce ignored my refund, I was told to continue to make the payment, that I had made the payment, and that my merchant had confirmed that I had made the payment, but Coinbase did not acknowledge their error, that they had committed fraud, infringed on my legitimate assets, and wanted to encroach on it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: PA

Complaint narrative:
XXXX/XXXX  continues to report the account status of an account discharged in a chapter XXXX bankruptcy, every month on XXXX. A letter was sent to XXXX/XXXX  to ask them to stop, but in response, XXXX has now updated that status to current on EXPERIAN as well. Credit score dropped 26 points.

They must stop monthly reporting and updating the status fields status updated on and balance updated every month. This can be seen as an attempt to collect a debt that has been discharged in a bankruptcy, a violation on the FCRA.

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 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX i called XXXX XXXX XXXX XXXX and was unadded as an authorized user on a XXXX XXXX credit card account starting in XXXX. I have called Equifax multiple times and started a online dispute multiple times for almost 3 months now and the authorized user account that i have no responsibility over is still on my report XXXX  & XXXX  removed these accounts almost immediately and Equifax continues to leave this account on my report and its honestly frustrating and its really making me look bad on my credit report and the worse part is i have no control over the account because it does not belong to me im only a authorized user not the primary account holder. please help me get this off my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: NY

Complaint narrative:
XXXX XXXX DELIQUENCY ALERTS FOR XXXX XXXX : XX/XX/2021 : XXXX XXXX XX/XX/2021 : XXXX XXXX XX/XX/2021 : XXXX XXXX SPOKE WITH COMPANY ABOUT UNRECOGNIZED CHARGES WHICH I DID NOT AUTHORIZE AND COMP Y STATED THEY WERE NOT ABLE TO LOCATE AN ACCOUNT WITH MY EMAIL, PHONE, ADDRESS, OR NAME. THESE ARE FRAUDULENT CHARGES AS I HAVE NOT DEALT WITH THIS COMPANY OR PURCHASED ANYTHING IN THESE AMOUNTS. 

THESE ALERTS WERE REPORTED TO EXPERIAN.

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 2021-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Asset Management Systems Inc
State: NJ

Complaint narrative:
Me XXXX XXXX XXXX XXXX and my daughter ( XXXX XXXX XXXX s state taxes have been intercepted by XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX collection agency, Financial Asset Management Systems INC ( FAMS ), addressed at XXXX XXXX, XXXX, GA XXXX # XXXX. The year of XXXX, XXXX XXXX started making {$25.00} payments and was able to get the original bill amount of {$1800.00} down to XXXX. XXXX XXXX then paid the remainder balance of {$1200.00} on XX/XX/XXXX because FAMS stated that we would receive all back pay of State Taxes they confiscated from both of us. We never received anything. This as been a long drawn out process that should have never happened. Theres also 2 different account numbers on one account which shouldnt be. Acct # XXXX ( {$1800.00} ) and Acct # XXXX ( {$1200.00} ). We both are due a refund because they have been overpaid. Please help. Thank you in advance. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase abruptly close our joint checking account without notice, and put almost $ XXXX dollars on freeze. We have no garnishments, IRS locks, or otherwise owed debt to anyone, and have other bank accounts working correctly without locks.

Chase has refused to transfer the money or release it. We have called their fraud department several times and nothing has been resolved. Their refusal to explain why the accounts were closed is beyond reprehensible. Especially with $ XXXX being held. 

Their only offer was to mail us a check for the $ XXXX, but we can not accept mail at our new residence yet, as the USPS hasn't assigned a route yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I sent a U.S Certified mail to their place of business in an attempt to retrieve proper validation of said debt but have not received a response yet as of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint because Credit Bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

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 2021-08-09 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Open in 2019 have no knowledge of account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Yes thank you for helping me the first time with PayPal however they fixed the account for me to use but I contacted them cuz I could not withdraw money still I was given the run around and I called several times because somebody else had changed the phone number and password I just finally got back in the account I had {$850.00} I only withdrew {$200.00} leaving {$650.00} my account has {$1.00} in it and I have tried several times to get PayPal to fix these unauthorized transactions they refuse saying that they right the unauthorized transactions are to PayPal itself help me please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NH

Complaint narrative:
On XX/XX/2021 I rec 'd a letter from ERC - Enhanced Recovery Company , LLC stating they were authorized to contact me by XXXX XXXX to get payment for a XXXX XXXX purchase for {$140.00}. They, too, threatened to report my account delinquent to the credit bureau. 
I called the number and it was a virtual response. All they wanted was my credit card. 

I wrote them back that I have never been a XXXX XXXX customer and to please submit the billing/documentation that shows an invoice for me before I report them to the FTC/XXXX for harassment. 
I sent the letter back certified mail with return receipt. 

Yesterday<XXXX> I rec 'd another letter, stating they were responding with a document that referenced my account. The letter was from XXXX XXXX, Sr. VP of Operations XXXX The person 's name is my name, but the address is a New Jersey address. NOT ME. 

Enhanced Recovery Company LLC XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I have a mortgage on my house which is serviced by Mr. Cooper. I sent my XXXX payment and included extra to be applied to the principal. Our payment is {$1200.00}. 
Every month we make a {$1300.00} payment and have {$56.00} in additional principal applied to our loan. On XX/XX/XXXX, they applied the regular payment, but only {$6.00} to additional principal. When I contacted them, they said that they applied XXXX {$25.00} Early Payoff Quote fees. I was never made aware of any prepayment fees that applied to this loan. This is unfair. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TX

Complaint narrative:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TX

Complaint narrative:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief