vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian : I had initially disputed numerous times with Experian Credit Bureau and you are still reporting the incorrect information My last dispute containing this incorrect info was sent to you on XX/XX/2011 : Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete this incorrect and unverifiable address from my credit profile. 

I am giving you NEW info, so you are required by law to properly verified. 

Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. 

I am requesting your method of verification with my dispute as required by the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) 6. B. ( iii ). 

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 2021-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Four Directions Lending LLC
State: MO

Complaint narrative:
On XX/XX/ I agreed to a loan for {$900.00}. When I go back to look at the loan I noticed now the loan is saying multiple advance for {$1800.00}. I only received {$900.00}. The loan also states its from XXXX to XXXX. Intetest rate of 777.82 %. The finance charge is {$6000.00} the total if paid the length of loan is {$6900.00} and that's paying XXXX weekly until loan is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
One Main Financial in XXXX, IL is not abiding by the Predatory Prevention Act and are still charging 55 % interest on a title loan. The interest is more than what goes to principal. I have tried talking with them and they would not lower the rates. On a {$300.00} payment, {$130.00} is principal and {$160.00} is interest. My fixed income is making it difficult to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I was contacted by chase mortgage that I did not qualify for mortgage assistance.I am a XXXX widow and on a limited income.I have a credit score of XXXX.My daughter and her family pay me XXXX a month to help me.They have thiere own bills to pay and so do i.They have gone up on my house payment XXXX a month.I get paid on the 3rd wednesday of each month and they charge me a XXXX late fee.I have a fannie mae loan and I thought they were suppose to help me in a situation like this.I cant afford my home by myself.It looks like my mortgage is not even going down.They bought my mortgage from loan depot and I have had nothing but problems.I have lived in my home for 35 years and I lost my husband 8 years ago.I feel like I am being turned down because of my situation.Not sure if I can contact Fannie mae or not.How is a XXXX person on a limited income suppose to survive.They act like I should just get rid of my home so they can get thiere money.Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I opened a vehicle loan with Credit Acceptance Corporation in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan full, with a XXXX dollar balance, thus closing the loan. The Credit Acceptance Corporation account remained opened and showing a balance due, so I filed a dispute with XXXX, XXXX and XXXX. I also filed a credit reporting dispute directly with Credit Acceptance Corporation to indicate that they were not reporting my account as paid in full with a XXXX balance. On XX/XX/XXXX, Credit Acceptance Corporation deliberately reported inaccurate and false information to the three major credit bureaus, in which they indicated that the account was still open and had a balance of more than {$7000.00}. I received a paid in full and lien release letter dated XX/XX/XXXX, from Credit Acceptance Corporation, in which they state that the account is paid in full, has a XXXX dollar balance and that they have released the lien on the vehicle. At the same time, they were still reporting false and inaccurate information about my loan account to XXXX, XXXX and XXXX, despite their letter to me and despite the fact that my loan account had been paid in full as of XX/XX/XXXX. After trying to resolve this several times directly through Credit Acceptance Corporation and through the credit bureaus, I got no where, and my credit report contains deliberately inaccurate information about my Credit Acceptance Corporation account. Credit Acceptance Corporation is knowingly supplying the credit reporting agencies with inaccurate and false information. My loan account is closed and paid in full with a XXXX dollar balance, and it should be immediately reported to the credit reporting agencies as such.

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 2021-05-15 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:
On XXXX I sent off letters to the credit bureaus regarding inaccurate and unknown items listed on my personal credit report. As of today it has been over 30 days ( 35 days exactly ) and I have not received a response yet. I really feel like I am being taken advantage of and my disputes not taken seriously, basically ignored as if how this effects my score and life is a game. Base on my understanding from my research they have up to 30 days to investigate the items and if not those items should be immediately removed from my credit report. As I mentioned it has been over 30 days. I respectfully demand that these accounts be deleted immediately or I will file for litigation due to the stress and hardships this is causing me. Also my personal information was impacted by Equifax 's data breach and may have landed in the wrong peoples hands. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: MN

Complaint narrative:
I opened a vehicle loan with XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan full, with a XXXX dollar balance, thus closing the loan. The XXXX XXXX XXXX account remained opened and showing a balance due, so I filed a dispute with XXXX, Equifax and XXXX. I also filed a credit reporting dispute directly with XXXX XXXX XXXX to indicate that they were not reporting my account as paid in full with a XXXX balance. On XX/XX/XXXX, XXXX XXXX XXXX deliberately reported inaccurate and false information to the three major credit bureaus, in which they indicated that the account was still open and had a balance of more than {$7000.00}. I received a paid in full and lien release letter dated XX/XX/XXXX, from XXXX XXXX XXXX, in which they state that the account is paid in full, has a XXXX dollar balance and that they have released the lien on the vehicle. At the same time, they were still reporting false and inaccurate information about my loan account to XXXX, Equifax and XXXX, despite their letter to me and despite the fact that my loan account had been paid in full as of XX/XX/XXXX. After trying to resolve this several times directly through XXXX XXXX XXXX and through the credit bureaus, I got no where, and my credit report contains deliberately inaccurate information about my XXXX XXXX XXXX account. XXXX XXXX XXXX is knowingly supplying the credit reporting agencies with inaccurate and false information. My loan account is closed and paid in full with a XXXX dollar balance, and it should be immediately reported to the credit reporting agencies as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: MN

Complaint narrative:
I opened a vehicle loan with XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan full, with a XXXX dollar balance, thus closing the loan. The XXXX XXXX XXXX account remained opened and showing a balance due, so I filed a dispute with XXXX, XXXX and Experian. I also filed a credit reporting dispute directly with XXXX XXXX XXXX to indicate that they were not reporting my account as paid in full with a XXXX balance. On XX/XX/XXXX, XXXX XXXX XXXX deliberately reported inaccurate and false information to the three major credit bureaus, in which they indicated that the account was still open and had a balance of more than {$7000.00}. I received a paid in full and lien release letter dated XX/XX/XXXX, from XXXX XXXX XXXX, in which they state that the account is paid in full, has a XXXX dollar balance and that they have released the lien on the vehicle. At the same time, they were still reporting false and inaccurate information about my loan account to XXXX, XXXX  and XXXX, despite their letter to me and despite the fact that my loan account had been paid in full as of XX/XX/XXXX. After trying to resolve this several times directly through XXXX XXXX XXXX and through the credit bureaus, I got no where, and my credit report contains deliberately inaccurate information about my XXXX XXXX XXXX account. XXXX XXXX XXXX is knowingly supplying the credit reporting agencies with inaccurate and false information. My loan account is closed and paid in full with a XXXX dollar balance, and it should be immediately reported to the credit reporting agencies as such.

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 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I used Coinbase to trade XXXX, my account was hacked and all the money was gone. Hackers started to take money from my Coinbase account during the night while I was sleeping. When I woke up and checked my account, money was gone, so I tried to get hold of Coinbase which has no custormer service available, all you can do is to send a message online and get a ticket number from them. Then I started to search for Coinbase Hacked Accounts, and I was suprised by the number of people who had the accounts hacked, even more surprised when I found that that Coinbase has not assisted or refunded anybody, all that customers can get are bot messages, thats it! At this point, after reading so many cases, I dont even believe that Coinbase will refund the money hacked, I just hope that more and more victims can continue to report their cases so eventually Coinbase can be held reaponsable for many losses, including mine. Coinbase ticket # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I initialed a wire of XXXX usd from my chase checking to my friends XXXX XXXX on XX/XX/XXXX. It just disappeared. Money is never there. I tried to solve the problem with them. I provided details and tried to recall the money so many times. And theres just nothing. Okay I guess they arent even working on it since they never even told me where the money was and I know they can trace it. My recall request was received on XX/XX/XXXX. The whole thing is going on for 5 months. Its very unusual. Hope you can help with that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian : I had initially disputed numerous times with Experian Credit Bureau and you are still reporting the incorrect information My last dispute containing this incorrect info was sent to you on XX/XX/2011 : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX .Please delete this incorrect and unverifiable address from my credit profile. I am giving you NEW info, so you are required by law to properly verified. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. I am requesting your method of verification with my dispute as required by the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) 6. B. ( iii ). 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 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
I found out through my credit report that Im in collections for a debt I previously reported as not mines in XX/XX/XXXX from XXXX  XXXX  it was removed from my credit report. Now it seems Enhanced Recovery Co L  has started to report this on my credit report on XX/XX/XXXX as I stated earlier I didnt have an account with XXXX cell phone carrier so I dont know why they are steady trying to get money from me for a service I didnt have. I also want to know what cell phone carrier let 's a bill reach to {$5300.00} before cutting it off that seems like a shady business practice. I want this derogatory remark removed from my report ASAP. I also called and reported to XXXX in XXXX of XXXX that I received an alert about my social security number being used in Colorado for phone services ( I live in XXXX ) the person I talked to told me someone tried to get phone service but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I was affected by the worldwide pandemic and I filed for a pandemic deferment with my mortgage company XXXX XXXX XXXX XXXX for XX/XX/2020 and for XX/XX/2020. My deferments were approved by my lender however the payments for XX/XX/2020 and XX/XX/2020 are being reported late which is severely affecting my credit score with all three major bureaus. Please help!

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 2021-05-15 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: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Hello, I was affected by the worldwide pandemic and I filed for a pandemic deferment with my mortgage company PENNYMAC LOAN SERVICES L for XX/XX/2020 and for XX/XX/2020. My deferments were approved by my lender however the payments for XX/XX/2020 and XX/XX/2020 are being reported late which is severely affecting my credit score with all three major bureaus. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: PA

Complaint narrative:
Again with Transunion, my balances decreased, and two collections that did not belong to me were removed, so they DECREASED my credit score. This is totally backwards and keeps happening!! 
I will attach the screen shot showing results of dispute, and where my credit card balances decreased, thus should be INCREASING my score ...

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 2021-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since 2007 Experian XXXX  and XXXX  have fraudulently aggressively stolen my ID .I can not retrieve my Experian credit re po RS It does not let me dispute anything and it constantly has technical issues wants to charge me to view my info

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 2021-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I am following up with my complaint from XX/XX/2021. I emailed the documents to Avant Credit to three different departments. I have uploaded what was requested. I was verbally notified that I received an email to upload photos and that is as true as the two time mail correspondence from last year. I did not receive any of the claimed mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2021, I noticed my Venno account was frozen and contacted the company to inquire as to why this was the case, as the account balance was positive. For several week and despite numerous requests, I got no answer from Venno. Just recently I was told that it was due to receipt of a transfer from XXXX XXXX that I did not initiate and Venmo refunded, all without my input of knowledge. More likely would be the fact that I received a significant payment from the IRS or a customer as both have the account details and Venmo wanted to hold the money ( rather take ) without my knowledge, under the guise of suspected fraud, which It certainly is not and is readily verifiable,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15 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: MD

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: TX

Complaint narrative:
Since XX/XX/2007 XXXX XXXX and Equifax have fraudulently aggressively stolen my ID .I can not retrieve my XXXX credit re po RS It does not let me dispute anything and it constantly has technical issues wants to charge me to view my info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc.
State: IL

Complaint narrative:
I have applied with XXXX XXXX to receive a ppp loan i was approved and signed my documents from the SBA with a loan number on XX/XX/XXXX. i was told i would be funded within 10 business days. it is now going on over a month since i signed. i was told at first i didnt need any type of verifcation questions nor did i need to submit my license again or anything and that i was all set. Now i dont get status updates from XXXX their reps when i try to get a response, just copy and paste and dont even let me ask a question. When i ask them what i need i get different answers each time. one told me i need to submit my license even though i already did at first. then i was told i was funded and to check with my bank. then a few days later i was told i needed to upload and send my license on the portal but i dont have access to it. then i was told to submit tickets and i submitted one everyday for 2 weeks and i havent heard anything back yet. i cant get update texts because the link doesnt work. i gave them my info and now i feel like they have committed fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation