vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 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: CO

Complaint narrative:
In XXXX I initially filed a complaint with the CFPB, number XXXX. 
In the complaint I argued that Equifax took longer than 30 days to verify a negative item on my account. In fact, right now we are at 8 months and their investigation still shows incomplete. 
I filed complaint XXXX with the CFPB, and Equifax said they would look into it. 
One month later, Equifax responded. 
They didn't disagree with my complaint at all, and further said it was removed from my account and no longer affecting my credit. 

This is another bold face lie from Equifax to further distance themselves from any culpability and financial responsibility. This is another disgusting abuse, that is absolutely illegal and protected by the CFPB. 

Equifax needs to immediately remove this negative item from my credit report. They can't act as judge, jury, and executioner when they are in the wrong and committing illegal acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Reporting debt that was never given guidance on insurance co-pay vs patient responsibility up front.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: KEYCORP
State: NY

Complaint narrative:
I took out an additional loan on an existing line of credit with my bank, Key bank in XX/XX/XXXX. I immediately began making payments on the principal amount on this loan because the interest was higher than on the original fixed rate option. I eventually began making additional principal only payments on this first FRO. I met with bank staff early in this process who advised me how to make sure payments went to the principal. Later when checking the balance on the second FRO it became evident the bank was misapplying my principal only payments, usually to the lower interest FRO when I was trying to pay down the higher amount. I had multiple conversations with the bank manager in XXXX where I made my payments. He forwarded my complaint to the Advocacy department. They provided a partial list of my payments in XXXX, XXXX and have yet to provide a complete payment report after repeated requests. From this initial report it showed misapplication of my principal payments at least half the time, random failure to take out my monthly payments and they have been unable to respond to requests for this information. In recent discussions with the bank manager ( a new one ) he indicated the main office had requested they research my payments and he reported the branch appropriately directed my payments to the 2 FROs as requested. They also showed that the initial amount of {$25000.00} was immediately adjusted to over {$26000.00} with no explanation. I paid off the original lower interest amount in XXXX to try to eliminate the problem from continuing. The bank manager told me the pay odd balance. The statements show it was applied then taken away- the bank could not explain, but amount of {$8700.00} was deducted from my checking account. They continued to pull at least one more monthly payment and said I still owed about {$13.00} after I had tried to pay off the loan. They took this from a principal payment to the other FRO later. Current monthly withdrawals/payments are more than the original amount I was told the payments would be on the second FRO. Because of all of these errors and the difference in interest between the two lines of credit I believe they have overcharged me interest on these accounts. They have been unable to offer accurate information, any explanation for these errors, nor any correction to the problems after over 10 months of trying to work with them. I would like a complete accounting, corrections to their repeated errors and refunds of any excess interest charged in error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendUp Loans LLC
State: CA

Complaint narrative:
Repeated erroneous reporting of balances without providing 100 % accurate, verifiable information. 
Balance : {$1200.00} Balance : {$0.00} ( Payment Amount : {$680.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a cashback credit card with this bank and have been collecting cashback for over a year. Abruptly on XX/XX/XXXX I noticed that I was unable to charge my card so I contacted the bank. They told me that they had cancelled my card and forfeited my cashback which was over {$4000.00} by then. I asked for a reason for this and they were not able to give me a valid reason. I know I have never had a missed or even late payment on the card and actually had a credit balance on the card which they acknowledged. My suspicion is that the only reason for doing this is that by cancelling the card abruptly without fair warning I would have no opportunity to draw my cashback and they would be able to forfeit the money they would otherwise have to pay me. I would like them to reinstate the card or failing that provide me with an opportunity to draw my cashback. I feel this is an insidious and unfair behavior by the bank targetting a customer for no fault. I hope the regulators can step in and protect the rights of a consumer. 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 2021-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Ive sent out two debt validation letter to the collection agency XX/XX/2021 amounts {$250.00} {$350.00} asking to provide ; Date that this alleged debt became payable Date of original charge off or delinquency Was this debt assigned to the debt collector or purchased? 
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Theyve violated my HIPAA privacy rights

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 2021-08-16 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: Bridgecrest Acceptance Corporation
State: MN

Complaint narrative:
US DEPT OF EDXXXX XX/XX/XXXX {$10000.00}, XX/XX/XXXX {$4100.00}, XX/XX/XXXX {$4000.00}, XX/XX/XXXX {$3800.00}, XX/XX/XXXX {$2900.00}, XX/XX/XXXX {$2500.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$1900.00}, XX/XX/XXXX $ XXXX {$32.00} THIS COMPANY IS REPORTING INACCURATE INFORMATION SUCH AS MY NAME MY BIRTHDATE MY SOCIAL MY ADDRESS AND WHAT SCHOOLS I ATTENDED. I HAVE CONTACTED THEM NUMEROUS TIMES CALLING SENDING LETTERS ETC. THIS COMPANY HAS SEVERAL MISSPELLINGS OF MY NAME SEVERAL SOCIALS AND MULTIPLE NAMES THAT DO NOT BELONG TO ME.I AM UNABLE TO OBTAIN ANYTHING IN MY NAME OR ASSIOCIATED WITH MY NAME DUE TO THESE INACCURATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

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 3 Bureaus Data breaches. I decided to look at my credit reports 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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: PA

Complaint narrative:
XXXX XXXX for $ XXXXReported, XXXX XXXX XXXX  XXXX  for {$8300.00} Reported balance, and XXXX XXXX  XXXX {$0.00}. These accounts are due to identity theft and is not my obligation. XXXX  and XXXX  have already removed these fraudulent accounts.

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 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Saturday XX/XX/XXXX chime suspended my checking account for suspicious activity, never said what activity particularly flagged account. Submitted identification documents : ssn card, proof of address, phone bill several times over 49 hour period and company is refusing to reactivate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I had a fradulent Activity on my credit card with American express in XX/XX/2021. I submitted a fraudulent activity check and requested for a replacement card. accoding to the American express representatives a card was shipped to me but I never received it or used the card but my account kept on having charges reported on it during this time and American express reported a 30 day late delinquency on my credit report that is hampering my ability to get student loan. I need American express to stop accepting charges on my account and remove the 30 day delinquency from my credit report because that is unfair use of my credit account without my permission and American express is misguiding the credit agencies. can you please help ASAP? my student loan is due in XX/XX/2021. I would appreciate a prompt help and response. I have attached a chat with the American express customer representative who gave me the same response as below in quotes but still kept on charging my account until it was delinquent. I have also attached the fraudulent dispute with Amex and they concluded fraudulent activity was real. 

" Your current Card will be invalid and can no longer be used. For your protection, the last 4-digits of your account number will change. If you have recurring or automatic billing set up with Merchants, then they can continue to use the Card information that they have on file. 
Replacement card ( s ) delivered by XXXX will arrive in a white envelope displaying Amex XXXX XXXX logo. If not delivered by XXXX, it will be delivered in respective couriers envelope for XXXX, XXXX, or XXXX. 
Expect email and mobile app notifications ( if applicable ) regarding the delivery status. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE JP Morgan was named the Trustee and Beneficiary of a Trust Deed document number XXXX XXXX entitled substitution of trustee Deed of Reconveyance recorded XX/XX/XXXX. 1 ) Require CHASE JP Morgan to reveal it's involvement as a trustee and beneficiary ; 2 ) reveal the description of the collateral used, i.e. real property single family dwelling commonly known as XXXX XXXX XXXX, XXXX, California XXXX OR personal property i.e. vessel, mobile home? ; 3 ) describe the obligation involved, i.e. consumer mortgage loan funded by a credit grantor ( one that extended credit, provide the name of the credit grantor ), a construction loan ( line of credit account ) name of party, or other description such as an inheritance ( personal property-legacy asset or Devise ( Real property single family dwelling ). Provide account information of testator ; 4 ) Require CHASE/JP Morgan to reveal if it had any involvement in a Judicial Foreclosure Proceeding sometime in XXXX of XXXX relating to real property single family dwelling commonly known as XXXX XXXX XXXX, XXXX, California XXXX or Inheritance matter of personal property ( Legacy Case ) or inheritance of real property single family dwelling matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I contacted Aldous & Associates to advise them that payment was made directly to XXXX. The rep became hostile and stated I still owed the debt. I informed the rep to contact XXXX to verify the payment was submitted and the account was cleared. The rep declined and started shouting on the phone. The rep did not allow me to speak and he was very disrespectful. 

I told the rep several times to stop contacting me, because the account was paid off. He refused XXXX is the name of the rep

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: SC

Complaint narrative:
What the XXXX is going on? I sent you my dispute letter on XX/XX/2021, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. you been ignoring me huh. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors yall reportin but youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.

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 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
What the XXXX is going on? I sent you my dispute letter on XX/XX/2021, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. you been ignoring me huh. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors yall reportin but youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I applied for a loan for a XXXX XXXX  with XXXX. I created a account with my up to date information and your corporation denied me because you couldnt validate my information. 

I called your corporation and your customer service against said my information does not match public records. 

I asked to upload documents and the rep said they couldnt do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX of XXXX, I decided to refinance my XXXX XXXX XXXX, which was financed by Chase Auto dba XXXX XXXX XXXX, with a new creditor. The new creditor, based in XXXX XXXX, TX, advised on XX/XX/XXXX that they had mailed a payoff check to Chase, who also operates their auto division and receives payoff checks at a XXXX XXXX address ( i.e., USPS transit time should have been one business day ). 

In the final days of XXXX, I noticed that my Chase account was still open for this vehicle, and had not shown any payoffs come through. My regular payment was still showing due on XX/XX/XXXX, which I was counting on not paying due to the refinance ( which had its first due date of XX/XX/XXXX ). I contacted the new creditor several times and they confirmed that they absolutely sent the check on XX/XX/XXXX but it had not yet been deposited by Chase. 

On XX/XX/XXXX, I contacted Chase and asked why they were delaying the payoff. They rebuffed this, stating that they never received any payment from the new creditor, and the agent specifically told me on a recorded line that they " do not delay '' in processing payoffs and that the checks are processed the day that they are received. I asked for a supervisor who echoed the same sentiment and told me that there was nothing in the account history visible to employees that showed any mail being received from the original creditor. 

I contacted the original creditor again, who stopped payment on the original check, and overnighted a brand new one to Chase. However, on XX/XX/XXXX, I received a letter from Chase that stated that the original payoff check that they had apparently attempted to process on XX/XX/XXXX - before my XX/XX/XXXX call to them - had been stopped, and so my successful payoff of the account had been reversed. My online account balance showed that this was later corrected by the second check the new creditor had overnighted, which Chase only processed on XX/XX/XXXX - 10 days after it would have been received via overnight delivery on XX/XX/XXXX. 

The pattern of events shows that Chase XXXX representatives lied about two separate things during my XX/XX/XXXX call with them : One, that they had not received anything from the original creditor, which is now shown to be patently false by their own admission that they had a XX/XX/XXXX payoff check that had been reversed. Two, that they " do not delay '' processing payoffs and process them immediately upon arrival, when in both situations, there appears to be a lead time of 9-10 days ( the XX/XX/XXXX check took until XX/XX/XXXX for Chase to process ; the XX/XX/XXXX check was not processed by Chase until XX/XX/XXXX. Chase continued to mislead and send erroneous notifications by mail, making zero effort to expeditiously make contact with me via phone or e-mail about these events crossing one another, and deliberately lied to me during a due diligence inquiry via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/21 my son & I went to a dealership to purchase a new car. We were told I would need to co-sign on the car. Later when loan documents began to be mailed to us we discovered that the loan was actually written with me as the primary buyer and my son as the secondary buyer. Very dishonest and disheartening sales practice

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 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by FAIR COLLECTIONS & OUTSOURCING, INC, they are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

This was related to frivolous contested debts by landlords who charged me without prior mutal agreement. the accounts been re-aged, I was excessively called despite telling the collectors not to call my phone. I told them this was not a valid debt and they not only failed to mark account as disputd, they kept on insisting that I MUST pay and there is no other option. I was told if I paid the item would be removed from my credit report, which didnt happen Account # 1 : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Type : Collection Account # 2 : XXXX Date Opened : XX/XX/XXXX. 
Balance : {$0.00} Account Type : Collection Solution : Deletion accounts from all credit bureaus.

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