vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Every single day for the past six months, XXXX XXXX ruthlessly calls my phone various times of the day even after setting up promises to pay as well as payment arrangements towards my vehicle loan. One instance, I was harassed and mildly insulted by an operator on XXXX XXXX XXXX after calling them to pay them a full months + additional principal. The operator kept on vexing me to pay {$700.00} on a {$560.00} payment when I repeatedly told her I was only paying {$600.00}. The operator also failed to put in the right payment information and responded in a tone of voice that was very insulting. The operator after her was very helpful and pleasant to deal with.

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 2020-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX I was phished for a Chase Quick Pay scam. The seller coaxed me into sending him a partial payment for a product he was going to deliver to my address. I agreed to use Chase Quick Pay as it was a product that was integrated into my banking app, making me believe it was a secure platform that would allow for disputes in the case of fraud or services not rendered. Throughout the course of the transaction, I was never once prompted with a disclaimer that there was no fraud protection on their platform, additionally, I was never prompted that this was a third party platform not connected to Chase, even though it was part of my Chase banking app! I have been a customer of Chase for over 10 years, and can't recall receiving any detailed information from them regarding the safety of the Chase Quick Pay platform and its vulnerabilities to fraud. On XX/XX/2020, I Chase Quick Pay the seller {$120.00}, and contact from them stopped. They were never able to provide me with a tracking number, and have since stopped responding to any of my communications. When I spoke with a Chase representative at my local branch, I was told there is absolutely nothing they can do, and that there is no fraud protection associated with Chase Quick Pay. They noted that in the fine print it says to double-check the recipient you are sending too, but that is really all they could advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I tried to open a checking account online with CitiBank around XX/XX/2019. I tried several times but kept stopping to check the information on the account. In XX/XX/XXXX, I received a letter dated XX/XX/2019, stating that I was denied the account due, in part, to information in XXXX and XXXX. I knew that there was no negative information on either credit reporting agency. However, I ordered my free copy of the reports to make sure there was nothing fraudulent on them. Once I received them, and called to ask why the account was really denied, the representative could not answer the question, but suggested I re-apply. I did re-apply with a banker over the phone and the account has been opened. 
I do not think it is fair to provide an inaccurate reason for the account denial. I still don't know why it was denied the first time, but can only assume there was concern of fraud because I kept stopping the application process. If that was the reason, then the letter should have stated that and the account could have been opened almost two months earlier. 

Also, I had a hard time getting through to someone on the phone number that was provided on the letter. Obviously, I received the letter in response to an application. But when I called the number, the automated system wanted me to provide an account number. It took me several tries to finally speak to someone.

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 2020-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Been having trouble paying due to work related problems. 

In XX/XX/2019, I had to leave a job due to it being a hostile and verbally abusive environment. Looking for another source of income was difficult since the company refused to pay me on time ( they broke state law ). I also legally violated my lease with them since I worked at the XXXX   XXXX XXXX XXXX I lived in and incurred a lot of debt since moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion to date still has not corrected the problem of incorrect addresses, known contractor and fraud alert after several attempts to contact them. 

I know who the person who did this is. XXXX XXXX XX/XX/XXXX. He is representing himself as my husband which is far from the truth. He had access to my personal information and took without permission any other information. This is currently under investigation and criminal charges will be pressed soon. 

XXXX XXXX XX/XX/XXXX first assaulted me in XX/XX/XXXX and again on XX/XX/XXXX. Shortly after I when I noticed that there is incorrect information on my credit report. 
I expect to have the addresses removed, the contractor listed at my XXXX XXXX and the fraud alert too.

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 2020-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Nationstar said we owe more then we do then they dropped our home owners & sold our loan to another company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX back sent bill that was paid in full to collection I requested a full pay history to dat no word pal had the and or have the information but refused to provide it but the record they receive the last payment XXXX XXXX but refuse to send full record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The vehicle was a lemon and returned within two weeks of purchase. Equifax is reporting the accurate dates of account open XX/XX/XXXX and correct date for account closed XX/XX/XXXX. The account status is inaccurate it is reflecting as an open installment and was never updated XX/XX/XXXX with the last activity date that is closed in repossession. Since the account holder has updated the account as of XX/XX/XXXX with 120 day late payments from XX/XX/XXXX-XX/XX/XXXX. This is fraud, this goes above inaccurate reporting. The account needs to be removed and Equifax should be held accountable for allowing this company to conduct such illegal credit reporting practices. Instead they advise you to file a dispute and refuse to admit the companies accountability for accurate reporting to Equifax on their consumers but instead want you to file a dispute as 5 billions others would as if this is the same issue and it is not. This company is a fraud from the inception of selling used damaged unsalable cars and then traumatizing consumers even further by using Equifax credit reporting to torture you even further by not reporting the account closing or accurately reporting their repossession and voluntary repossession rates to be scored and taken to account against their business practices and better business ratings. In my experience as one of their many victims they are continued to allow lending if they don't show their true first payment default ratio. Again another use of the credit reporting agency to fraud Equifax which they allow by not averaging the complaints against the companies reporting with the numbers of first payment recalls or repossessions as they arent being reported. I am using myself as an example to assist others in receiving the same long term fraudulent activity from XXXX XXXX XXXX through the Equifax reporting bureau. This complaint is against Equifax for not protecting my rights per the FDCPA. I intend to contact the FDCPA and advise of the activity allowed against me the response from Equifax and the ongoing continued issue still unresolved in almost 4 years come XX/XX/XXXX. Based on the activity of Equifax allowing the customer XXXX   XXXX XXXX to utilize their resources to victimize me I want them removed immediately from my Equifax credit report and their access to my Equifax credit report blocked never allowing them access again as I never intend on conducting current and or future services from this corrupt, fraudulent, inhuman credit practicing company again and if I could avoid Equifax being allowed to report for me I would remove myself from ever being reported by them again after this very traumatic experience I can't sleep

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-04 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: FL

Complaint narrative:
It's not my account, i'm not responsible for any transactions. I didn't sign documents or contracts with this company.

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 2020-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The Shellpoint Mortgage Servicing ( https : //www.shellpointmortgageservicing.com ) forced me to buy Lender Placed Hazard Disbursement in-spite of us providing it.Even after providing the certificate of proof and multiple followups, they are not refusing to remove it or stop charging me every month for it. 

As a result they have bumped up the ESCROW payment by about XXXX  a month, they always say they are going to fix it once their insurance department verifies it, but they have not done anything for over 3-4 months. 

Meanwhile, in XXXX they reported delinquency in payment to credit bureau and chose to spoil my and my wife 's credit report rather than addressing the problem. 

Yesterday, I spoke with them again and their representative told me that they " might '' be able to reconsider as it has been a while ... .And promised to get back to me but no one called me back. I also asked the representative to initiate a complaint but he did not do anything about it. 

The mortgage provider is well aware that we are trying to get this refinanced, their refusal to address the issues, raising my payments, and reporting to credit bureaus. 

I and my wife have called them at least 10-15 times  regarding the same issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's not my account, i'm not responsible for any transactions. I didn't sign documents or contracts with this company.

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 2020-01-04 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:
It's not my account, i'm not responsible for any transactions. I didn't sign documents or contracts with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been disputing these accounts for a long time now and all I wanted is to have these accounts removed from my credit report. 
XXXX FORMERLY XXXX ACCT # XXXX DEPT OF ED/ XXXX ACCT XXXX XXXX XXXX XXXX XXXX   ACCT # XXXX I have tried to fix this problem multiple times and told them to validate these accounts and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated with no sign documents showing me proof that the debt belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to 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 2020-01-04 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-04 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-04 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today, XX/XX/2020, I received a call from my bank regarding a mortgage application I filed. I was shocked to learn that accounts for which my son had listed us solely as authorized users were counting against our credit score. We are not now nor ever have we been financially responsible for these cards yet this is counting against us. This is patently unfair and this practice needs to stop at once.

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 2020-01-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
CREDIT WAS APPLIED FOR IN MY NAME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX this was my ex husband debt I am not responsible for it and they were told this but they still continue to call my girls about it and tell them they are going to take me to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-01-04 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation