vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPM Chase Bank is incorrectly reporting a charged off credit card on my credit report that does not belong to me. I have provided both JPMC and the credit bureaus with a copy of a police report from XXXX County Texas which details this criminal activity which has caused great harm to my personal finances and drastically reduced my credit score. Most of the accounts have been removed now from my credit report, however, this account with JPMC in the amount of {$6000.00} under # XXXX still remains. In fact, JPMC is reporting this account as BOTH a charge off AND a currently past due account which is completely illegal and in violation of FCRA. This is the last error that is driving my score down over 100 points and preventing me from getting a mortgage. REMOVE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: FL

Complaint narrative:
I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. 

I recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. 

The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.

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 2021-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. 

I recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. 

The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. 

I recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. 

The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.

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 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
have had no access to the mobile app since they started requiring two step verification and they REFUSE to send me the code. I have been waiting for them to address my issues with their " digital escalation team '' for more than two months. Now They have revoked my online access, I have no access to my account in any ay and they refuse to help. Further they refuse to send me statements. They refuse to deal with me or help me at all. They have been acting this way and refusing to help me ever since I deployed with the military. The only thing they ever tell me is " We have to investigate and will call you back '' They never call back. I believe the law requires them to provide me with a statement which they refuse to do I had a previous compliant they stated I have online access and I do not. I still can not loggon to the website. 
They still refuse to call me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft ALLY FINCL Account Number : XXXX This is not mine.

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 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Venmo app has held my XXXX dollars. My account was hacked and now i can not access my money they said for 180 days. 
I couldnt even access the provisional money they gave me cause it was on the venmo mastercard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
My name is XXXX XXXX and I'm looking for some help as I'm in need of help due from XXXX in XX/XX/XXXX and then again in XX/XX/XXXX. Having XXXX twice I was put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX doctor telling me that XXXX made my XXXX XXXX worse and that I could not longer work due to my XXXX XXXX being unstable and thats why I keep falling. However I had file for ssi and had to do an appeal on XX/XX/XXXX. I have also apply for unemployment for loosing my job in XX/XX/XXXX as my XXXX XXXX XXXXXXXX messed me over. I also applied for XXXX to get help from the state. As we all know theses are a long term of approval and I haven't heard back from anything. I worked at XXXX XXXX which is a decent job, but with the issues I'm facing I'm at risk of loosing my car that I can't make a payment on. If I loose my car I won't be able to get my kids to school. Also I have struggles paying for my water. I had gotten this reference from my housing ppl that I live in their housing. If you could help me in this matter that would be great or have any other references that would be awesome. Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: XOOM CORPORATION
State: AE

Complaint narrative:
TOTAL DEBT : {$100.00} I owe to them for sending money using their services THEY CLAIMED I have been getting phone calls and emails from www.xoom.com attempting to collect the above debt. 
They have blocked me from my account and I have not been able to log in for the past 30 days. 

I have called and email them several times this week : XXXX to XXXX XX/XX/2021, only to be asked for information from my account only to tell me it is wrong, but fail to provide any other way to give me access to my account so I can pay off the above debt. The phone attendants from the PHONE CALL CENTER continue to act like they have no idea who I am and tell me my information is incorrect only to deny me access to my account or even pay OFF THE DEBT OF {$100.00}. Yet, I continue to receive emails threatening me to report me to a credit collection agency and stating that I should call this number immediately : XXXX. Every time I call the number, they run me through the same loop again, questions after questions and they claim none of my information is correct and therefore they can not even take my PAYMENT for the collection of this debt. I have talked and called 7 times today XXXX XX/XX/2021 and THEY give me the same threatening conversation. 

I, XXXX XXXX XXXX, have been a customer for over 10 years with this company and now they refused to help me and actually pay what they claim is a debt I owe them. I am willing to pay it but I am afraid they will report me to a credit collection agency on purpose to hurt my CREDIT HISTORY and illegally charge more money. my email address is : XXXX, my phone number is XXXX ... .I am a XXXX serving the United States XXXX XXXX and of course they my already know this and may be attempting to fraud me. I can not believe this is the way they treat loyal dedicated customers like me after 10 years of membership. I believe other XXXX like myself may be undergoing same similar situation as every time I call their service phone center, the ladies there even laugh at me since they knew they were just not GOING TO HELP. 
I have been harassed, laughed at, lied to and given the wrong information since they keep on denying me access to my own account I held for 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I called today because i received phone call from Loancare and i call back, they informed me my loan payment is up today but i have Loan Modification which it incomplete, then the agent i spoke transfer me to another one who handle Loan modification, i spoke to her and she asking me to wait for her to overview the account, then she hand me up, and never call me back. Very unprofessional.

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 2021-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hello, I am filing this complaint against Ally Financial Inc ( doing business in the state of California corporation # XXXX ; Agent of service for Process XXXX XXXX XXXX XXXX  XXXX mailing address XXXX XXXX XXXX XXXX MI XXXX ), for violation of Unfair, Deceptive or Abusive Acts Practices. 

This is regarding an auto lease buyout Ally Financial Account # XXXX, vehicle information XXXX XXXX XXXX XXXX # : XXXX. 

On XX/XX/XXXX, I received a letter regarding terminating the lease and purchasing the above mentioned vehicle from Ally Financial Inc per my request [ attached as XXXX  ]. 

On XX/XX/XXXX, I obtained a certified check from my personal financial institution in the amount of {$39.00}, XXXX. XXXX as required to terminate lease and purchase the above mentioned vehicle [ attached as XXXX ]. Ally Financial Inc processed this check on XX/XX/XXXX [ attached as XXXX ]. Ally Financial finally emailed a buyout packet on XX/XX/XXXX via XXXX, which contained confirmation for purchase of the vehicle, special memorandum of sale and receipt for payment and odometer disclosure statement [ attached as XXXX ]. 

Since XX/XX/XXXX I have been trying to find out how long it will take Ally Financial to mail out the title and I am told to just wait. Finally on XX/XX/XXXX I spoke with a supervisor named XXXX in the Remarketing/Out department attempting to collect more money than I am financially obligated to pay for the above mentioned vehicle and that since my account is being reviewed pending this collection Ally Financial will not release my title. 

Attached to this email is documentation verifying each aspect of this complaint. I have attempted to have Ally Financial Inc to release lien on the vehicle and obtain the title for the vehicle I have purchased.

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 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are 11 accts and 1 inquiry on my credit report that do not belong to me they are not mine in any sort of way I bave not used or knoq or signed for these accounts I need them off my credit asap!!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

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 2021-08-06 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:
There are 11 accts and 1 inquiry on my credit report that do not belong to me they are not mine in any sort of way I bave not used or knoq or signed for these accounts I need them off my credit asap!!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: LoanCare, LLC
State: FL

Complaint narrative:
I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closi

ng process all pending payments should have being cleared as part of it. I recently applied for a mortgage where for my surprise it was reported by Loancare a 150 days past due after the account was closed and money disbursed. The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.

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 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Aldous & Associates are representing XXXX XXXX  for a debt they claim I owe from XX/XX/XXXX. I cancelled my membership by calling the store in XXXX of XXXX and so should not have been charged the XXXX billing. I never received a phone call, e-mail or written letter from the legal firm and only found out about the debt being charged when applying for a home loan. I called Aldous & Associates and they did not give me enough information and refused to explain policy. They shared they tried to contact me and when they shared the information they had on file, the phone number and the e-mail was not correct, therefore, I never received any notice. They did not share details of my account and did not offer to send me a verification letter. They pressured me to just pay and kept hanging up the phone on me if I kept asking questions and not paying. I paid the debt but now realize that I shouldnt have and should have disputed it and will. Today is XX/XX/XXXX. I found out about the debt today. They sent it to my credit report on XX/XX/XXXX. The XXXX account charge was from XX/XX/XXXX when COVID hit. I cancelled my account with XXXX in XX/XX/XXXX so should not have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Self Financial Inc.
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Self Financial, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CARD Corporation
State: CA

Complaint narrative:
I filled a dispute with the card.com and I sent the form and while my case was being over looked and investigated I was credited money on my account thinking it was my refund for the dispute I filed but later on I was charged for that money and I was denied for the unauthorized transactions. Now Im charge for money I dont have please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: ACIMA CREDIT, LLC
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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