vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
UNAUTHORIZED CREDIT REPORTING NO ACCOUNT TO VALIDATE THE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Certified Credit Reporting, Inc.
State: MD

Complaint narrative:
UNAUTHORIZED CREDIT REPORTING NO ACCOUNT TO VALIDATE THE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Open Dealer Exchange, LLC
State: MD

Complaint narrative:
I DID NOT AUTHORIZE FOR CREDIT TO BE OBTAIN. NO ACCOUNTS TO VALIDATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MI

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-07-06 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: Westlake Services, LLC
State: MD

Complaint narrative:
I DID NOT AUTHORIZE FOR CREDIT TO BE OBTAIN. NO ACCOUNTS TO VALIDATE INFORMATION

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This listed complaint ( XXXX ) was just closed and I have attached the Feedback. In the listed complaint I list out four ( 4 ) previous complaints previously filed on the same matter that Equifax refuse to address and for some reason they send non relevant emails that are suppose to contain a solution, but never contain anything relevant of worthwhile. 

The 5 total complaints are asking Equifax to allow us to download credit reports from XXXX XXXX XXXX, but when trying to download our reports using XXXX the process is blocked at Equifax. Where we are then told that a report can not be acquired or accessed from that portal. WE ( both my wife and I ) would instead need to mail in various pieces of personal data and they will then provide to report by mail. The question is why is the process for both my wife and I so different for the millions of other consumers who are only trying to gain the most accurate credit data that the creditors are allowed to see. We already know and it is well known at the CFPB and by others that there are different reporting in place at Equifax concerning consumer credit reporting. We have also asked in those complaints to be able to use the PAID Equifax XXXX accounts, which we are also restricted from using. So when asking WHY these restrictions are in place that prevent us from seeing what the lenders and banks see, they refuse to answer those questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: FL

Complaint narrative:
I wanted to dispute an account that I didn't recognize : XXXX XXXX XXXX. 

The link to file a dispute online leads to a dead end. I have a right to file a dispute so that link ought to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: FL

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The lien holder, Bank of America, did not conduct the necessary due diligence at loan inception and the vehicle ( in this case an aircraft ) did not have a clear title. I only discovered this when I went to sell the vehicle and was advised that there was a title problem, therefore, I could not sell the vehicle in lieu of a clean title. I advised Bank of America that I was suspending further payments until the title issue was resolved. in the interim period, Bank of America sent the loan into collection. Three ( 3 ) months later Bank of America cleared the title problem, but did not advise me. Once it was discover that the title problem had been resolved, I promptly paid the outstanding balance. However, even though the loan is paid, Bank of America is still reporting to the credit agencies that it was " bad debt '' and that there is an outstanding balance - which there isn't, it's paid in full.

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 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I did not receive any written notification about the debt and it is reporting in my credit reports : XXXX, XXXX and XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
I sent a certified letter on XX/XX/21 to ERC collection agency regarding an alleged debt I owe in the amount of {$320.00} from XXXX. The company has failed to validate the debt. In fact, there are two other collection agencies with this same debt that are trying to collect from me as well. They continue to send me letters, make harassing calls, and report to all three major bureaus. I am requesting your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The lien holder, XXXX XXXX XXXX, did not conduct the necessary due diligence at loan inception and the vehicle ( in this case an aircraft ) did not have a clear title. I only discovered this when I went to sell the vehicle and was advised that there was a title problem, therefore, I could not sell the vehicle in lieu of a clean title. I advised XXXXk XXXX XXXX that I was suspending further payments until the title issue was resolved. in the interim period, XXXX XXXX XXXX sent the loan into collection. Three ( 3 ) months later XXXX XXXX XXXX cleared the title problem, but did not advise me. Once it was discover that the title problem had been resolved, I promptly paid the outstanding balance. However, even though the loan is paid, XXXX XXXX XXXX is still reporting to the credit agencies that it was " bad debt '' and that there is an outstanding balance - which there isn't, it's paid in full.

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 2021-07-06 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: NJ

Complaint narrative:
On XX/XX/2021, I made a transaction for {$340.00} at the XXXX XXXX, processed through XXXX on my Chase Sapphire Reserve card. The services were not rendered and the merchant agreed to issue a refund in full, in writing. The merchant then stopped responding, so a dispute was opened by me with Chase. Chase issued me a credit. Then the merchant got back in touch after much delay, saying she would issue a refund, but couldn't do so without the dispute being cancelled. I called chase to verify and Chase advised that yes, the dispute needed to be cancelled. The dispute was cancelled and my account was rebilled. The merchant then struggled to issue a refund, after which I called chase back. My call was recording and a representative from the chase dispute department directly advised me that I needed to re-open the dispute, and to do so I would need to fax in my request in writing with evidence from the merchant. They told me a dispute reference number, the fax number and advised me to go to a branch to fax it in, which I did, timely. Then I got back in touch with Chase who said they couldn't re-open the dispute since 45 days had passed - however it was chase that advised me in error that I could re-open the dispute, causing the time period allegedly for re-dispute to lapse. Chase 's gross negliences and mis-training Chase 's policies are fraudulent, deceptive, unfair, and financially harmful to its customers. 

All of my calls were recording by Chase, so they can easily see that I was mis-advised and lied to. Furthermore, I was not advised of any 45 day redispute window when I called in on XX/XX/XXXX while still within that window, again in chase 's error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I turned in my lease early. I made my final payment XX/XX/2021. I neglected to turn off auto pay and XXXX payment was taken out. I called and chatted with Ally multiple times and they kept saying it would be 30-45 days before I saw the payment returned. XX/XX/2021 the dealership paid off the loan. When contacted again, they continued to say they were waiting for paperwork from the dealership. On XXXX I received in the mail a bill for ; Disposition fee XXXX sale/use tax on disposition fee XXXX Less - other funds received XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Total XXXX They are saying that the funds from the dealership were " removed '' or something so the next payment from them was late and I have to pay another monthly payment! So in essence, I'm going to make TWO extra payments on a truck I turned in XXXX?! I called again XXXX and XXXX told me what he could " see '' and he couldn't do anything about it. I asked to speak to a supervisor and he said no one could help me. I have no issue paying the {$100.00} for the balance of the disposition fee and the tax, but I can't understand how the rest is even relevant. 

Thank you for any help resolving this issue. 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 2021-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have sent out a letter to CAPITAL ONE concerning my credit report. Due to suspicious activity on my credit report. I simply asked CAPITAL ONE to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 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: LJ Ross Associates
State: NY

Complaint narrative:
LJ ROSS AND ASSOCIATES are reporting a fraudulent account on my credit. This account was not opened nor used by me. I am requesting ther removal of this accounts from my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I RECEIVED NUMEROUS LETTERS STATING I OWED ON A DEBT I HAD PAID IN FULL OVER A YEAR AGO TO THE DEBT COLLECTOR. IN REVIEWING THE NOTICES I ALSO NOTICED THE AMOUNT IS DIFFERENT THAN WHAT I INITALLY PAID. THE NOTICE SAYS XXXX I PAID XXXX I CALLED PORTFOLIO AND COULD NOT GET AN ANSWER FOR THE LETTERS OR THE DECREPENCY IN THE AMOUNTS. ALSO XXXX OF THEIR REPS STATED HE SAW AN OVERPAYMENT WHICH I NEVER RECEIVED AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Incorrect balance of Capital One credit balance reported for Account ending XXXX where I am a co-signer/and-or authorized with XXXX XXXX XXXX at XXXX father XXXX XXXX, XXXX XXXX, New York XXXX. 

The available credit is approximately {$390.00} and balance is {$110.00}. 

This account is not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Dear Sir or Madame, I filed a complaint/action with Coinbase approximately XXXX for potentially fraudulent activity on my account. Coinbase locked my account. I eventually was able to access the account, but it had a {$0.00} balance as of XXXX. On XXXX, I had a balance of approximately $ XXXX. Coinbase allowed the money to be removed three ( 3 ) after I reported fraudulent activity resulting in a {$0.00} balance. The issue has not been resolved and frustration continues. They have not made any attempts to replace the funds. 



Thank You in advance. 



XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Recently filed ftc complaint for scam XXXX see that for specific scam notes. Contacted chase per ftc recommendation, chase will not investigate this matter, furthermore gave incorrect information. I believe, to get me off the phone and prevent me from filing this complaint a week ago. On XX/XX/29 called to report the scam, eventually was told that they are investigating it and would reach out the the third party ( XXXX ) to try to recover funds from the account, but gave me no guarantee and indicated the investigation would only stay open 10 business days. A few days later I got a notice from chase bank stating that the investigation was closed because they found the charge to be authorized. I never once claimed the charge wasn't authorized and never asked nor was told the investigation was to contest the authorization of the charges. 
I called back on XXXX to learn that they refuse to investigate a scam and if authorized will do nothing. That the investigation request before was made to determine if the charged was authorized ( again, I never indicated it wasn't and was very clear it was ) and that is all they will do. That they can not do anything further and will not do anything further on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
EXTER FINANCE LLC WAS PAID IN FULL IN THE AMOUNT OF {$24000.00} ACCT # XXXX DATE OPEN XX/XX/2014.

Company response to consumer: Closed with explanation