vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Disputed this account numerous times stating the erroneous violations under FCRA & FDCPA but keep coming back verified. these violations can be {$1000.00} per violation in a lawsuit.

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 2021-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M&T BANK CORPORATION
State: LA

Complaint narrative:
I open up a RV Loan with M & T Bank in XX/XX/XXXX. Recently The RV was flipped and considered totaled after hurricane Zeta on XX/XX/XXXX. Most {$31000.00} was paid in XXXX which still left a balance of around {$4100.00}, the balance as of today is {$3100.00}. I am currently as always making payments on time and have never had a 30 day late. I have very good credit and do not want to do anything to change that especially during these hard time. I had a collection call from someone with a dog barking in the background so I was a little weary. She told me my account has been closed and needed to be paid by with in 20 days or it will be sent to collections. I have all intentions of paying it. I am still dealing with the GAP and RV Dealership to rectify this situation. In the mean time I planned on making all my payments in full if not more every month until this balance is paid in full. She told me it needed to be paid in full this month.

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 2021-01-13 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
Ive been paying $ XXXX/month for a repossessed vehicle. I have not worked since XX/XX/XXXX due to hospitalizations and illness. I have nothing left to live on and it is very unfair. Im no longer working so there isnt anything to garnish. Im not eligible for unemployment so Im relying on others for assistance with necessities, my account has even been over drafted multiple times as a result of the $ XXXX/month. Ive contacted the number on the description, but this has been going on since XX/XX/XXXX if Im not mistaken. Someone please help me, I feel like Im drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: GA

Complaint narrative:
When I first reviewed my credit report I realized that the information being reported was inaccurate and misleading. This information has been causing me and my family to get denied whenever I apply for credit. This makes things extremely difficult during the pandemic. My family and I have being suffering for quite sometime now because of the inaccurate information being reported on my credit report! Please remove this information. My initial dispute came back as verified. Which XXXX me off! How can inaccurate information be verified? So I demand that I am sent a detail letter stating how this information was able to be verified.

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 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clarkson Law Firm, LLC
State: SC

Complaint narrative:
XXXX XXXX/ XXXX has repeatedly changed the amount that they claim that I owe that is currently in collections on my credit report and every month and it has also been increasing by the month while in collections which is illegal. When i called them to discuss this I am being told that they no longer deal with my account and it is now in the hands of a law firm Clarkson and XXXX. 

Adding monthly to an account in collections that is no longer being handled by the company at hand is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cedars Business Services, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I received a phone call from XXXX at Cedars Business Services. He was claiming that I received a traffic violation in XXXX XXXX back in XX/XX/XXXX that I never paid. I was quite confused as I have never received any correspondence from XXXX nor Cedars prior to this phone call and my trip was almost a year an half ago. I asked for documentation supporting this claim and XXXX emailed me paperwork from XXXX which states I received a violation for driving in a restricted traffic zone without authorization. I was in XXXX XXXX for only a few hours visiting the XXXX XXXX XXXX  XXXX and made sure to follow the rules and not enter any restricted zones. I also never received any ticket on my car or in the mail from XXXX. 

I did not know of any ticket until I received the call from XXXX on XX/XX/XXXX. He is asking to collect {$470.00} on a ticket that initially was for {$110.00} ( euros ). The additional charges were late fees accumulated on the account. I explained that I did not receive any correspondence relating to this ticket and had no opportunity to appeal and/or pay the ticket. XXXX told me that he has no ability to reduce the ticket and if I do not pay they will have to send it back to XXXX and they will hire legal representation. I asked if I could call XXXX to explain my situation and he told me they would not help me. 

Remaining hopeful, on XX/XX/XXXX, I reached out to XXXX to explain my situation and they told me that they could not help me as the matter was now with a debt collector. They recommended that I explain the situation to the debt collector and that they will be able resolve it. 

I feel helpless in this situation as I would never ignore a violation intentionally. I have never dealt with a debt collector in the past and am unclear if their practice is to scare us into paying this violation, especially with the significant amount of fees tacked on to the cost. 

I am hoping you can help me resolve this matter as this has caused a lot of stress due to the significant amount and the debt collectors practice of not listing or working with me. 

I appreciate your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
I have disputed several times, because I have inquiries that I have not authorized.

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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX D  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX XXXX-XXXX-XXXX-XXXX, XXXX XXXX XXXX-XXXX-XXXX- XXXX. I also have a XXXX XXXX accounts yet NONE are reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.

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 2021-01-13 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: Uplift, Inc
State: MD

Complaint narrative:
In my letter dated XX/XX/2020, I disputed the {$1500.00} alleged debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. First, under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information which is known or which should be known to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank routinely charges a " credit balance refund '' to credit card accounts that, at the time of billing, have a negative balance, even when there are existing " pending '' charges on the account and/or the account is not being actively closed and therefore not expected to incur any further charges to the account. 

This " credit balance refund '' is charged as an interest bearing charge to the credit card account. Chase then sends a slowly delivered paper check to the customer via USPS in the mail for the " credit balance refund '' amount that will get to the customer whenever it gets to the customer, which, could take weeks (! ) in some cases. This time, they also sent an email that I could setup a new " Chase pay '' account and get the money electronically, but the " Chase pay '' site did not actually work and the technology did not allow me to actually create the required new " Chase pay '' account, leaving the USPS mailed paper check as my only option. ( note : I also called customer service and the customer service person said that there was nothing he could do other than send me to the technical support line to see if they could help me log into the " Chase Pay '' account. I ask for a supervisor, and the Supervisor said she would " reverse '' the charge, but I have yet to see the reversal on my account as of today. Also, this is not the first time this has happened, so it is not reasonable to have to call Chase, bypass a customer service agent to speak to a manager and get this manually reversed every time Chase decides they want to make this charge on my account. ) The reason Chase does this and the reason it is EXTREMELY PREDATORY is because Chase moves the cashflow burden from themselves, onto the consumer to now pay a charge that they would not have otherwise had to come up with cash for, but for the fact that Chase will not allow balances on a credit card to be negative, even when their is pending activity on the account and the account is not being closed. Chase shifts the burden to the customer to either come up with new cash to pay for the " credit balance refund '' charge with new cash or hope the paper check gets through USPS fast enough, gets deposited into a deposit account, then pays down the new credit card charge before the customers monthly billing cycle closes or the customer will incur new fees associated with a balance and charge that IS NOT FOR A REAL TRANSACTION. 

Chase shifting the burden to the consumer to pay charges and ultimately/potentially incur fees simply because " they don't like credit cards having a negative balance '' is extremely predatory and it perpetuates a cycle of cash strain and constraint on the consumer, ultimately forcing the consumer to rely on credit and incur fees given the cash strain..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
In XXXX of XXXX, my XXXX year old grandmother received a CashApp credit card in the mail which was fraud. She does not have a mobile phone or computer and she did not open this account. My mom, who is a senior and her Power of Attorney filed a police report and attempted to call and cancel this account. 

CashApp does not have a customer service number to call and report fraud accounts. Since you can only contact them via email, I filed a complaint under my CashApp acccount with detailed information which included my grandmothers fraud CashApp name and explained that the account was fraud and needed to be closed ASAP. I went through multiple emails and received a response that the account was closed. To complete the Identitytheft.gov process and attempt to figure out who opened this account, my mom who is her POA requested detailed information about the fraud account. CashApp sent a secure URL requesting information to verify they are responding to the correct person. I sent the information on XX/XX/XXXX and they stopped responded to all of my emails. I sent multiple emails daily to check on the status and and did not receive a response. 

Due to this poor customer service that I received, I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. Two days later, I received two separate email responses from CashApp. They stated I needed to follow the detailed instructions and upload the information to receive the requested information. I sent the photos on XX/XX/XXXX and on XX/XX/XXXX I received a confirmation email stating they received the documents. I am now back in the same situation with CashApp receiving images of all three of our personal information and not responding to my emails with an estimated date when they should expect to receive the information. I checked the fraud CashApp name and the account is still active on CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I also have a XXXX XXXX accounts yet NONE are reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX. I also have a XXXX XXXX accounts yet NONE are reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2021-01-14 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: TX

Complaint narrative:
XXXX XXXX response CFPB Case # XXXX is attached. Their response is incomplete, incorrect, and a misinterpretation in part. 
The purchases did not have my permission after cards were stolen. The fraudulent payments did not have my permission that then allowed the credit limit to be exceeded. This can be easily proven with the payment information that XXXX XXXX claims they no longer have access to.???? Unbelievable! Multiple and thousands of dollar fraudulent payments from a fraudulent account and not my account but XXXX XXXX claims to have done a thorough investigation. So yes, XXXX XXXX allowed the accounts to exceed the credit limit without my permission. 
If I had made any payments on the card after the card was stolen, it would appear and XXXX XXXX would be saying I accepted the debt. I was prevented from making payments ON THE AMOUNT I OWED because XXXX XXXX was disorganized by canceling the card, charging off the card, AND THEN COMPLETED THEIR INVESTIGATION AND REDUCED THE AMOUNTS DUE ONE YEAR LATER. So yes, I was prevented from making payments ON THE AMOUNT I OWED. XXXX XXXX should have immediately completed their investigation INCLUDING THE METHODS OF MULTIPLE SUCCESSIVE LARGE FRAULENT PAYMENTS MADE ON THE ACCOUNTS INSTEAD OF WAITING ONE YEAR LATER. XXXX  XXXX did damage by reporting me negatively to the credit reporting agencies going on 4 years while overlooking overlook their inadequacies. XXXX XXXX further exacerbated the problem by selling off the debt to a debt collector for pennies on the dollar who is now suing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX response CFPB Case # XXXX is attached. Their response is incomplete, incorrect, and a misinterpretation in part. 
The purchases did not have my permission after cards were stolen. The fraudulent payments did not have my permission that then allowed the credit limit to be exceeded. This can be easily proven with the payment information that XXXX XXXX claims they no longer have access to.???? Unbelievable! Multiple and thousands of dollar fraudulent payments from a fraudulent account and not my account but XXXX XXXX claims to have done a thorough investigation. So yes, XXXX XXXX allowed the accounts to exceed the credit limit without my permission. 
If I had made any payments on the card after the card was stolen, it would appear and XXXX XXXX would be saying I accepted the debt. I was prevented from making payments ON THE AMOUNT I OWED because XXXX XXXX was disorganized by canceling the card, charging off the card, AND THEN COMPLETED THEIR INVESTIGATION AND REDUCED THE AMOUNTS DUE ONE YEAR LATER. So yes, I was prevented from making payments ON THE AMOUNT I OWED. XXXX XXXX should have immediately completed their investigation INCLUDING THE METHODS OF MULTIPLE SUCCESSIVE LARGE FRAULENT PAYMENTS MADE ON THE ACCOUNTS INSTEAD OF WAITING ONE YEAR LATER. XXXX  XXXX did damage by reporting me negatively to the credit reporting agencies going on 4 years while overlooking overlook their inadequacies. XXXX XXXX further exacerbated the problem by selling off the debt to a debt collector for pennies on the dollar who is now suing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation