vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 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: I.C. System, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I asked for XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I asked for XXXX XXXX  to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I asked for XXXX XXXX  to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I asked for XXXX XXXX/ XXXX  XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.

Complaint narrative:
There were several fraud transactions occurring through my credit card for which i have never made a purchase since XXXX XXXX. These transactions were happening without any XXXX  however keep on getting messages that transaction has been made for the same. This is being reported to CitiBank and Card was blocked immediately due to which no major mishap occurred. Although hackers are keep on attempting to make a transaction but failed due to immediate blocking of card. 

So far around 6 transactions of amount Rs. XXXX were done for which amount is reflecting in my credit account and also several failed attempt for around Rs XXXX was made post blocking of card. Also attempt of transaction were made in another currencies other than 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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I asked for XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I asked for XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I issued three separate checks to a contractor for services he promised to provide to at my property. Upon my demand for his proof of identity and state contractor 's license information, the contractor promised to provide me with that evidence at a later day. That was a scam, the contractor who impersonated himself misrepresenting his license status never showed up the following date of XX/XX/2021 and disappeared. I had contacted the XXXX and my bank, asking to place a stop payment on all three checks. The proof of call is in their system and I have that evidence as well. The bank groslly neglected my request for stop payments on all three checks and paid to the unlicensed contractor for the services that was never rendered. I demanded from our branch manager to backtrack their call logs, which she did and confirmed my calls made to Chase call center ( in addition to my emails to the headquarters attention ) for the purpose of immediately placing stop payments on specific checks. I asked from the branch manager to assist me in filing a claim, the answer was negative. The Chase Bank committed predatory lending and breached the contract. I hereby demand from Chase Bank to act in accordance with consumer banking laws and regulations and finally proceed with my demand for a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CO

Complaint narrative:
I have been looking over my credit report and there were a number of addresses that I would like to remove from my report. 

I request removal due to inaccuracy, to prevent Identity theft, as I am not reachable at the addresses or the phone numbers.

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 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
No matter how many disputes I send to portfolio recovery they send me the same information on this debt I allegedly owe to XXXX XXXX. They call me even though I told them to stop contacting me this debt is past my state 's statute of limitations and they still called me even after I put my phone number on the do not call list. One thing I noticed is portfolio recovery does not mail me any contract I allegedly had with XXXX XXXX just billing statements. Billing statements are by no means a contract. According to New yorks, statutes of frauds agreements must be in writing and Is signed by the party against whom the contract is to be enforced. I did not receive a contract with my signature from XXXX XXXX therefore I would like them to stop verifying this alleged debt to portfolio recovery and I demand portfolio recovery to stop reporting it to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Yes PayPal refuses to let me withdraw my money from my closed account I have documentation stating that I can withdraw it but other documents showing they stopped it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the west received payment in FULL for a balance of {$1500.00} for a charge-off XXXX years ago on XX/XX/2021. Via recorded call, I was informed that Changes would be updated on their end and submitted to all credit bureaus to show a XXXX  balance by end of XXXX. Were now nearing the end of XXXX and nothing has been updated.

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 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
No matter how many disputes I send to XXXX XXXX they send me the same information on this debt I allegedly owe to Capital One. They call me even though I told them to stop contacting me this debt is past my state 's statute of limitations and they still called me even after I put my phone number on the do not call list. One thing I noticed is XXXX XXXX does not mail me any contract I allegedly had with capital one just billing statements. Billing statements are by no means a contract. According to New yorks, statutes of frauds agreements must be in writing and Is signed by the party against whom the contract is to be enforced. I did not receive a contract with my signature from capital one therefore I would like them to stop verifying this alleged debt to XXXX XXXX and I demand XXXX XXXX to stop reporting it to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX received payment in FULL for a balance of {$1500.00} for a charge-off XXXX years ago on XX/XX/2021. Via recorded call, I was informed that Changes would be updated on their end and submitted to all credit bureaus to show a XXXX  balance by end of XXXX. Were now nearing the end of XXXX and nothing has been updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
The company, World Finance Corporation, reported to the credit bureau that I owed {$1500.00} and past due, in the same report as {$990.00}. This information is incorrect. 

When I went to pay, they made me pay the balance of {$1500.00} instead of {$990.00}, I paid the full amount of {$1500.00} to clean up my credit. This, in my opinion was an extortion to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My car started making noise in the breaks so I decided to use XXXX for repair. I've used them before to replace my front brake pads previously last year XX/XX/XXXX and decided to use their service again. 

I've self-diagnosed the car because the sound was coming from the rear breaks and scheduled for the replacement of rear brake pads on XXXX 

When Mr. XXXX came out to fix my breaks on XX/XX/XXXX, he told me that he was unable to locate the problem in the rear breaks and the brake pads do not need replacement as they are as good as new. So he said he'll clean the breaks and see if that fixes the problem. He also told me that there will be a service fee of {$50.00} because he came out to look at the issue. I responded " Okay '' for the {$50.00} although he did not fix or found the problem for the brake noise, just because he came out to inspect my vehicle. Later, I took my vehicle to a local mechanic and was able to find the issue there. 


A few days after service from XXXX, I saw my credit card statement to be {$110.00} instead of {$50.00}, so I called XXXX  and they told me that {$110.00} is the minimum they charge for any type of labor. This was clearly not what I was told from the mechanic from Wrench.com and I would have refused any type of service from them if it was going to cost {$110.00}, for not even fixing or locating the exact problem. Cleaning the brakes for {$110.00}? Anyone with common sense would refuse this offer. 

XXXX  refused to refund me so I called Chase credit card and explain everything and they gave me credit of {$65.00} and this was only temporary. Today, XX/XX/XXXX I received an online letter from Chase saying the charge was valid, not fraudulent and they have charged my credit card again. 

How is this charge valid in any way? I was told {$50.00}, not {$110.00} from the mechanic from XXXX. Chase has attached the invoice from XXXX that shows {$110.00} that I never saw or signed, until I found out that it was overcharged to {$110.00} on the credit card statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29 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: HEARTLAND PAYMENT SYSTEMS INC
State: TN

Complaint narrative:
I was approved for deferral yet Im still showing delinquent for those months. They do not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TN

Complaint narrative:
I was approved for deferral yet Im still showing delinquent for those months. They do not respond.

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 2021-07-29 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: TN

Complaint narrative:
I was approved for deferral yet Im still showing delinquent for those months. They do not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TN

Complaint narrative:
I was approved for deferral yet Im still showing delinquent for those months. They do not respond.

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 2021-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX entered a consumer credit transaction with NMAC. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge the sum of all charges and it also supposed to include insurance and they didn't include it which is a violation of the Truth in Lending Act. When reaching out to Nissan Motor Acceptance Company they responded by saying they're aware what a finance charge is but they do not off insurance, and that is admitting to not following federal law and a violation of 15 USC 1611. I had a finance charge of {$6500.00} which what it costed me to extend my credit but it was converted into a loan of {$33000.00} why am I paying for my own credit? I have paid {$18000.00} to NMAC which is almost triple the finance charge and I think that is ridiculous that they're getting away with this. Nissan Motor Acceptance Company also didn't give a right to rescission which is another violation of the Truth In Lending Act 15 USC 1635. As of XX/XX/XXXX I have demanded that they cease all communication with me until they give me my specified remedy.

Company response to consumer: Closed with explanation