vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
On or about XX/XX/XXXX Title Max repo my and my spouses XXXX XXXX XXXX the vehicle loan was in my name only and NOT my wifes therefore she has rights to said vehicle in that she is NOT a co-borrower she personally contacted Title Max on XXXX XXXX in XXXX Mo and advised them she intended to pay Monday XX/XX/XXXX and the Manager at said location said ok and verbal agreement was entered. However the highway robbery XXXX company Title Max lied and repoed said vehicle in my opinion stole it and violated Missouri Law and possibly Federal Laws in that my spouse was under No obligation and it is half hers therefore she has legal claim to said vehicle she is seeking a court order stating this and she will be filing a lawsuit against Title Max in that she has phone record of said verbal agreement and has legal claim to vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA sent me notifications that I had been paid due to them billing me incorrectly on closed credit card accounts. I called them to find out where this credit went. Every representative asks for money for a debt from a renters policy that was discharged under a bankruptcy XX/XX/XXXX. I want an audit of my account and them asking for money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: DISCOVER BANK
State: FL

Complaint narrative:
Last month I sent XXXX XXXX  and XXXX XXXX brand new FTC reports confirming the accounts that are due to the 2017 XXXX  security breach or what have you but they were fraudulent both XXXX XXXX XXXX  did a fantastic job and experience did someone have a good job but they happen to have left one account on my credit file and that is the Discover card with the balance of around {$3000.00} that I never opened up. Before my attorney and I take XXXX  and Discover card to court and were not going to settle I dont care if its {$1.00} XXXX we are going to court with jurors full-blown quart room if this discover does not get removed because it was noted on the FTC report you removed everything else except for that one account just Discover pay you more money to rent space as a trade line XXXX? Having this derogatory account on my credit bureau has prevented me and my family from chaining financing during this on trying time on certain time in America you are a large banking institution with 0 % fraud liability what you are a a bunch of crooked lying thieves Discover card now Im giving you 15 days to remove this tree line from my experience in credit report or Im going to sue you for {$50000.00} plus pain and suffering I found it interesting that XXXX  likes to keep the 98 % down but theyll protect that 3 % to make sure nothing goes on their credit bureau thats blemished the whole monopoly a whole crooked monopoly and they even have a computer system that scores whether or not some thing is valuator should be removed or shouldnt be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have paid my account as agreed but the company keeps reporting an inaccurate information on my account, they marked it as late payments. On XX/XX/2020 I wrote to the credit bureaus and requested information about an account they are reporting on my credit report but they never responded. I advised them that if they failed to respond and/or comply with the law, then they would be subject to fines and damages, per the FCRA.

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 2021-02-05 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: TX

Complaint narrative:
I received a letter from XXXX after their investigation on my account they found the error and sent a letter to the credit bureaus for them to remove the account because of the error. 

I dont see the account removed like they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Last XX/XX/2020 I decided I would like to open up a secured card with city card so I gave them {$600.00} and shortly there after the roommate that I was living with stole the card and moved out nowhere to be found. I explained all of this to the overseas fraudulent resolution department at city card and city card in shored me that they were going to completely XXXX out the balance so The {$600.00} security payment that I made would be returned to me since I never once used the card and I want to make that clear upon my conversation with the gentleman in the fraudulent department he said we are going to send you a check and its for {$4.00}. I said wait a minute I gave you {$600.00} as a security deposit never once had a chance to use the card you know it was fraudulent because you wiped off the fees and now youre refusing to give me back my {$600.00} at this point I have my lawyer on retainer and I expect city card to do the right thing and mail me my {$600.00} security deposit from last year not XXXX dollars at this point this is causing me much XXXX  pain and suffering and my attorney said we can include all of that in the litigation so its going to end up costing Citibank much more money and legal fees much more money in additional pay out because were going to sue big if were going to go to court and if you choose to not send me back my money you are stealing from your customers. CFPB this is just another example of big bank taking advantage of the small consumer especially during COVID-19 when many Americans are struggling to put food on them on their table I find this really really disrespectful just tasteful and dishonest.

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 2021-02-05 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: DISCOVER BANK
State: FL

Complaint narrative:
Last month I sent XXXX  XXXX  and XXXX XXXX brand new FTC reports confirming the accounts that are due to the 2017 XXXX  security breach or what have you but they were fraudulent both XXXX XXXX XXXX  did a fantastic job and experience did someone have a good job but they happen to have left one account on my credit file and that is the Discover card with the balance of around {$3000.00} that I never opened up. Before my attorney and I take XXXX and Discover card to court and were not going to settle I dont care if its {$1.00} XXXX we are going to court with jurors full-blown quart room if this discover does not get removed because it was noted on the FTC report you removed everything else except for that one account just Discover  pay you more money to rent space as a trade line XXXX? Having this derogatory account on my credit bureau has prevented me and my family from chaining financing during this on trying time on certain time in America you are a large banking institution with 0 % fraud liability what you are a a bunch of crooked lying thieves Discover card now Im giving you 15 days to remove this tree line from my experience in credit report or Im going to sue you for {$50000.00} plus pain and suffering I found it interesting that XXXX  likes to keep the 98 % down but theyll protect that 3 % to make sure nothing goes on their credit bureau thats blemished the whole monopoly a whole crooked monopoly and they even have a computer system that scores whether or not some thing is valuator should be removed or shouldnt be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: FL

Complaint narrative:
Last month I sent Experian XXXX  and XXXX XXXX brand new FTC reports confirming the accounts that are due to the 2017 XXXX  security breach or what have you but they were fraudulent both XXXX XXXX XXXX  did a fantastic job and experience did someone have a good job but they happen to have left one account on my credit file and that is the XXXX XXXX  with the balance of around {$3000.00} that I never opened up. Before my attorney and I take Experian and XXXX XXXX  to court and were not going to settle I dont care if its {$1.00} XXXX we are going to court with jurors full-blown quart room if this XXXX does not get removed because it was noted on the FTC report you removed everything else except for that one account just XXXX  pay you more money to rent space as a trade line Experian? Having this derogatory account on my credit bureau has prevented me and my family from chaining financing during this on trying time on certain time in America you are a large banking institution with 0 % fraud liability what you are a a bunch of crooked lying thieves XXXX XXXX now Im giving you 15 days to remove this tree line from my experience in credit report or Im going to sue you for {$50000.00} plus pain and suffering I found it interesting that Experian likes to keep the 98 % down but theyll protect that 3 % to make sure nothing goes on their credit bureau thats blemished the whole monopoly a whole crooked monopoly and they even have a computer system that scores whether or not some thing is valuator should be removed or shouldnt be removed.

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 2021-02-05 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
On XX/XX/2021, I received an email from paypal saying that a recent transaction in the amount of {$600.00} was being reviewed due to a dispute that was filed that morning. Before I could even get home and read this email, i received another email stating that the case was closed and that they found in the other party 's favor and therefore my account would reflect a negative balance to the tune of {$490.00}, and demanded that I make a deposit to fix this problem that im just now hearing about. I immediately tried to call paypal, however, they have conveniently stopped answering their phones so you can not speak to a live representative at all. I sent an email and text message and all that got for me is a complete run around. They tell me that I cant even file a dispute until my account is back to a positive balance. And there are a ton of unauthorized transactions on my account and i can not get help from paypal at all. They were very quick to " investigate '', but didnt bother actually having a live person get in touch with me to get my side of the story, before closing the said investigation in favor of the other party, Charging my account with all this, and not even giving me an option to appeal. It seems to me that paypal feels as if they are Judge, Jury and Executioner these days. Thats NOT how America and our Democracy are supposed to work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a loan thru chase bank for my XXXX XXXX XXXX since XX/XX/XXXX I made monthly payments directly to chase bank every month I would request payment history statements every three months to see where my principal payments were getting applied so I have a very documented financial history showing my loan was never past due but my car was involved in a accident my insurance company XXXX XXXX XXXX told me I have full coverage and I need to release car from the tow yard to my insurance company because they will fix it and rent me a car but a lack of communication or something happened and the car was sold at a auto auction and chase bank said my insurance company refused to pay the remainder of the loan and told me the reason the car was there in the first place was because it was involuntary repossessed I asked how that is possible when I have proof of payments on time and they first told me I didnt pay in XXXX in XXXX so I pulled out the payment history and gave her the amount and date they applied that payment to my account so after she couldnt get out an excuse for that month she told me that my payment in the month of XX/XX/XXXX was reversed And I said well I show it was applied and the same date Next month another payment was sent in and so on and so on so basically chase sold my car at auto auction as salvage vehicle the insurance company changed their mind and said nevermind we wont cover it after they took possession of it and even after the bank sold the car they were still receiving my monthly payment even after it was illegally repossessed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I tried to close my bank account with chase bank. I initially tried to do it via customer service, but was told I had to speak to someone at the branch. 

Seeing that They offer remote services through their website to schedule an appointment for service due to covid-19 concerns, i scheduled my appointment. 

Upon requesting to cancel my account, i was told it was the " only '' service they don't offer over the phone. If I wanted to cancel i had to come in person. This was XX/XX/2020 at XXXX. 

When I attempted to go to the branch to cancel in person, they seemed willing to help, until I mentioned I wanted to cancel an account. Then it was by " appointment only '' with no appointments available without me taking time off work. 

Meanwhile, despite making it imposible for me to cancel my account, they will still charge me fees for it. 

By making the process so onerous they guarantee that I'll continue paying them fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: GA

Complaint narrative:
I sent the company a debt validation letter in order to prove that the debt belongs to me. The collection company sent me a fake contract that had been doctored to seem as if I contracted an agreement which I know nothing of. It even has a falsified signature that even has my supposedly last name misspelled.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TX

Complaint narrative:
I received a letter from XXXX after their investigation on my account they found the error and sent a letter to the credit bureaus for them to remove the account because of the error. 

I dont see the account removed like they requested.

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 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NV

Complaint narrative:
I contacted the collection agency to pay the amount due in Early XX/XX/XXXX. We came to an agreement that if I paid them they would update my credit report to show I paid. I did as they asked, they sent me a letter to show I was confirmed to be paid in full. They did not contact any of the three credit bureaus to update my credit to show paid in full. " Months '' went by I noticed not too long ago or currently that there still has been no update. I contacted the collection agency to ask what is going on with my account. The woman I spoke with told me they were not going to change my credit report update because I took too long to call them back about updating the credit report. I thought that I was paying them so that they would change to pay? She told me yes I'm paid in full, even sent me a new letter from their company stating I'm paid in full dated XX/XX/XXXX but told me they are not going to correct my credit report. I need help, I paid them and they still have me as a charge off on my credit report for ( XXXX XXXX/XXXX  ), ( Jefferson capital systems , LLC. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
To whom may be concerned : Re. Loan number : # XXXX On XX/XX/2020 I called Lexus XXXX  Customer Service Department because I notice that THEY report a 30 day late payment on my credit reports. 
When I always make my payments on time. The agent told that XX/XX/XXXX payment was not received on time. I explain to her that I made a payment on XX/XX/XXXX approximately at XXXX using the lexus XXXX payment portal online. I added a new checking account ending in XXXX and then I proceed to submit the payment for XXXX. 
Apparently that payment never go through their system, but I notice that on XXXX when I was trying to make the XX/XX/XXXX payment. Because on an error of their online portal system the payment never was receive and I get hurt my credit score going down 112 points. 

Im really frustrated because I never have failed Lexus XXXX my payments. The agent just told me on the phone to write this letter disputing that the late payment was incorrectly reported. I demanded an investigation on their online system that date, I now that I submitted that payment. 

Im courteously requesting to update my credit report to no late payments, because its currently hurting my score and is costing me a lot of money. Also because it wasnt my fault. 

As today my account is up to date and current with them. I asked them sending a letter by fax on XX/XX/XXXX XXXX then I received and response that they are not going to investigate furthermore because they think that i missed a payment. 

Thanks for your prompt attention to this important matter, XXXX XXXX XXXX Loan number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: AZ

Complaint narrative:
i went to the XXXX police department to have them sign my Identity theft victims complaint and affidavit with my federal trade commission identity theft report so it will support my request to block the fraudulent accounts in my credit report. please see attached updated reports with my Drivers license and social security card current copy of my utility bill for my identity.

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 2021-02-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good evening, I have already filed a complaint with Bank of America many times and Im looking for more help. I live in CA, I had my boa edd account drained when I received my last edd deposit and BOA froze/closed my account. This fraud was to no fault of my own. I am a single XXXX XXXX XXXX woman on my own out of a job due to covid and I am getting no further information to my claim. I need further assistance with my account and claim. I have money in my account and I am not able to access my account and EDD is still putting money into the account that I can not access. Please help I have been without money from this situation for over two weeks and I am behind on bills with money for food. 

Kind Regards, 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 monetary relief
Consumer complaint received 2021-02-05 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: TX

Complaint narrative:
I received a letter from XXXX XXXX after their investigation on my account they said the account was forgiven and the account would be removed from my report. 

Nothing has been removed so im sending you the letter they sent 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 non-monetary relief