vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I am a victim of Covid 19 and legally you should not have put them there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: TN

Complaint narrative:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

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 2022-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a bankruptcy on my report that doesnt belong to me please remove. It has bee removed from all other bureaus but you constantly report monthly please remove.

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 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one froze my account with no explanation. They will not help me on the phone and only send me to a voice mail that never returns my call. My mortgage payment is in there and all the money I have to live on. My husband can't get to work because he has no gas. I have XXXX kids and Ive had to sell things to be able to buy rice and beans to feed them. I got an email saying my money would be transferred in XXXX days but it has been 11 days and no one can help me or answer my questions. I don't know what the problem is other than I noticed some charges that were not mine. Im begging you to help. My mortgage is going to go into foreclosure They are holding onto about {$2500.00} of my money and that is a huge amount of money to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have had a lease with Chase since XX/XX/XXXX. I have the payments on autofill for the life of the lease and never had a late or missing payment. I extended the lease in XX/XX/XXXX for 6 months and they asked me to check my account to ensure the next autopay would continue ( some times it works some times it doesn't ). I checked and the next payment in XXXX and it was scheduled as expected on autopay. 

I received a XXXX  email today and see that my score had dropped substantially. I looked at my credit report to find that Chase unenrolled me from autopay in XXXX so now I have 3 late payments. I immediately paid and called three different numbers but no one could explain this to me. After speaking with 3 more teams this afternoon they still could not explain this. 

When I view my online account with Chase there is no evidence that they're even understanding that I'm still a customer. There are no bills or invoices for the missing months, the amount of the monthly lease payment is missing. They seemingly understand that I have an online account with them but not much more. 

Chase confirmed that their process is broken and their reps don't always explain how this works correctly. Please pull the recordings from my calls with them and you'll hear it all. XXXX MST for XXXX minutes you'll hear contradicting statements regarding my account and acknowledgment of inconsistency in what they tell consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On Saturday morning, XX/XX/XXXX I walked into a Bank of America branch and deposited {$1000.00} into an atm machine. While the transaction was processing, I received an error message saying that my transaction could not be processed at this time and to enter the amount that I deposited. I enter the amount that so deposited and then the atm displayed a message saying that the amount I input could not be verified and to call the claims center. I contacted the claims center and out in request and since the XXXX of XXXX Ive been fighting to retrieve the amount owed to me. Out of the {$1000.00} only {$300.00} posted to my account, {$700.00} has yet to be accounted for and when my claim was researched, Bank of America closed my claim out saying that no additional funds were found in the atm. I demanded today that they review security footage and re-open the account to re-investigate. This is absolutely outrageous that I have to fight for 2 weeks to receive money that was taken from me by an atm at their bank.

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 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
These are fradulent accounts. My information was leaked in data breach. please remove all accounts from the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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:
On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 100 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 100 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon so they should be deleted promptly.

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I purchased an item for XXXX However I paid for this item through Paypal.com I was very excited for my item and made sure to include in the shipping instructions to request a signature upon arrival. 
2 weeks later i get a email saying my package was delivered. I never received anything. I asked all my neighbors if they received something. No one has seen a package for me. 
I contacted the Paypal.com They assured me they will get to the bottom of this as i was covered under buyer protection. I spoke with several people from paypal and I did everything they instructed me to do. I opened a case with XXXX because they were the ones handeling the package. XXXX looked into it and informed me that the XXXX driver left the package OUTSIDE of my apartment complex that has over 200 people living in the area practically in the middle of a winter storm ...... 
For an item this expensive they should have given it directly to me or requested a signature like i asked in the shipping instructions! 
I told paypal this but because the XXXX presented a tracking number, they closed the case in their favor and instructed me to still pay for the item EVEN THOUGH I DIDNT RECIEVE IT! I appealed the case and spoke with a supervisor from paypal. He completely understood where i was coming from but didnt know how else to help me. 
A week later i receive a letter from XXXX XXXX XXXX XXXX ( a debt collector ) about the funds paypal is still trying to make me pay even though i never received the item. 
I have an excellent credit score and refuse to allow paypal to destroy it. 
This complaint is about Paypal for not protecting their buyer and sending this to a debt collector. 
XXXX  for having the driver drop the package off in the middle of the street without obtaining my signature. 
asteriahair.com for not making sure their customer actually received the item that they purchased and lastly XXXX XXXX XXXX XXXX for buying this " debt '' in attempt to ruin my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter finance is and has been in violation of several Truth in Lending Act laws as well as Federal Debit Collection Practice Act. I have made them aware in several complaints of these violations on XXXX XXXX and XXXX XXXX via this Consumer Financial Protection Bureau site. Exeter was also notified that my right to rescind pursuant to 15 USC 1635 ( a ) was withheld from me during the Consumer Credit Transaction, therefore, on XX/XX/2021 I exercised my right of Rescission and according to FEDERAL LAW 15 USC 1635 ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. And lastly my personal property was STOLEN via an unauthorized third ( XXXX ) and fourth ( XXXX XXXX XXXX ) party that were not witness to the Consumer Credit Transaction but instructed by Exeter to steal my personal property from my abode infringing upon my right to privacy. I am the original creditor I gave Exeter credit with my signature on the negotiable instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: CarMax, Inc.
State: CA

Complaint narrative:
Hi there, In 2019, I was a victim of identity theft because I had lost my wallet at the time. Inside my wallet, contained information such as my ID and SSN card. About a month after this incident, I got a notification on XXXX XXXX that there were multiple inquires made on my credit profile. All these inquiries were for car loans. What I am complaining about is the Carmax Account. I have sent multiple disputes but nothing has been done. 

CARMAX AUTO FINANCE ( Opened XXXX. XXXX, XXXX Balance {$27000.00} ) Can you please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Someone stole my identity and applied to many different credit card company 's using my information. These inquiries are on my credit report due to the fraud taking place. I contacted the credit card company 's and reported the fraud but the inquiries are still on my XXXX credit report. They said I need to contact the Fedral Trade Commission and get a report. When I tried that I was sent to XXXX website. XXXX also told me to get a deletion letter from the credit card company 's so they will remove the fraudulent inquiries from my credit report. One of the fraudulent inquiries is from XXXX XXXX on XXXX XXXX ( XXXX ) XXXX the other is American Express on XXXX XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 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: States Recovery Systems, Inc.
State: MD

Complaint narrative:
On XX/XX/2022 States Recovery Systems added a degratory mark on my credit report per credit karma. Upon, further research, this account was transferred/sold and therefore I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there is NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the XXXX States Recovery Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I normally pay my Milestone Credit Card bill online and or over the phone since I received the card. I have not had any issues with billing or payment until recently, from XXXX to XXXX I paid over the phone until today the XXXX, XX/XX/2022 I logged in and saw returned check fees. I do not have auto pay set up and never do with any of my cards, so I go into the manage autopay feature and it is not on or showed that there ever was one set up. So I called customer service to talk to them about this and all I got was argumentative statements stating I did this. But the thing is that I was still making my payments and did not notice this because they were hitting an account I don't use and don't have access to anymore. I used that account initially to open the credit account but that is it. Now they are fighting me on the charges and will not help when this is not my doing at all. I asked for proof and they said they can not send proof to me. I don't know how or why this happened but I am not responsible for that and the treatment I got was the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
After being a customer for almost ten years, I received a notice, dated XX/XX/22, stating my account was being closed due to " Irregular authorized user activity on one or more of your accounts. '' After reviewing my credit card user agreement, no where does it state that I can not add and remove authorized users. I would like my account reinstated and reporting in good condition as it was when my account was closed because I did not violate any of the terms of using my card. 

A phone call with a customer service representative, XXXX, stated that having more than 4 authorized users on an account was against policy and I had 5. However, that isn't listed in any of the user agreements provided to me when using this account so I believe this is against consumer protections.

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 2022-01-31 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-31 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-31 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation