vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES GETTING THE FRAUD ALERT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of addressing the items listed below, to be updated from my credit reports. They neither corrected nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me fix the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The following inquiry was unknown to me. The furnisher was unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Kia Motors Finance XXXX XXXX XXXX XXXX TX XXXX Kia Motors Finance XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX Dispute of Account Account Number : XXXX Our File : XXXX To Whom It May Concern : This letter is written on behalf of XXXX XXXX who leased a XXXX XXXX XXXX from the XXXX  XXXX of XXXX dealership on XX/XX/XXXX. He is in receipt of your letter dated XX/XX/XXXX wherein your company claims a balance of {$400.00} is owed. 
XXXX XXXX asserts that when he returned the leased vehicle to your company he did it in a timely manner. Moreover, he maintains he returned both keys associated with the vehicle. Enclosed please find proof that demonstrates not only the return of the keys but acknowledge of its return by XXXX itself. In light of the aforementioned, XXXX XXXX hereby demands your company cease and desist from any further collection efforts against him and notate that his account has a zero balance. Please be advised that if we do not receive a satisfactory written response to this letter within ten ( 10 ) days of your receipt of this letter, we will advise XXXX XXXX XXXX as to the legal avenues available to further protect his legal rights. 
Sincerely,

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 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Activehours
State: CA

Complaint narrative:
I have been trying to cancel my account with Earnin for weeks. They kept telling me that I had to wait for the debits to be taken out of my account even though they already took all the money out of my account that I owed them. Today I got a text message that they were sending me {$100.00} that I didn't request. When I asked them to cancel the unauthorized transaction and delete my account they refused. This is a predatory practice designed to keep people using the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: KY

Complaint narrative:
I called Consumer Collection reguarding a letter I received to settle a debt on XX/XX/22. I spoke with someoneXXXXXXXX ( I think ) she explained to me that I have 3 accounts. I setup to pay the {$19.00} account on XX/XX/22 which I paid and stated I would pay {$270.00} on XX/XX/22. I asked for a settlement for the third account of {$450.00} and was informed that I would receive a call back with an update on if it was approved. I called back on XX/XX/22 and spoke to XXXX XXXX to inquire about settlement offer and that I was expecting to receive a phone call. I was informed that this agency doesn't call customers back and that she does see the previous note but not an update on if the offer was approved or not. I asked to settlement the third account again and was informed she will send the request in. I asked when I should call back and was informed on XX/XX/22. I received a call from a woman by the name of XXXX who states she was calling regarding my settlement offer and that it was approved for {$310.00} and that I had to pay it by the end of this month in order to get the offer and not have the account be put on my credit report. I stated I was not told this and she states all calls are recorded. I again state I was not told that I had to pay this by the end of the month and I hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX Balance : {$0.00} TXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXXS Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX TXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX TXXXX XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I was on a forbearance plan and it ended in XXXX of 2021. We selected a XXXX XXXX agreement to take care of our mortgage. We received all the paperwork and submitted the paperwork to the mortgage company in XXXX. We were sent paperwork saying our first payment was being held because there was a discrepancy. I called several time to Us Bank and was told they would escalate the case and i would receive a call back. I never received anything until i would call back. This continued until XX/XX/XXXX when i spoke with XXXX XXXX. She informed me i didn't Qualify for the loan modification i was sent. Then she corrected herself to say Us Bank Accidentally Signed me up for a XXXX XXXX modification rate and they made a error. My payment should be {$860.00} and not {$900.00}. She informed me she would escalate this matter to her supervisor that would be required to call me back within 15 days. Once again no one called me back so i called back i believe on XXXX After 4 1/2 hours i was told it takes a while to get these to underwriters and corrected and i should call back on XXXX to see if it could be corrected. Same ol same ol. No one can figure out what it will take to correct this problem. on XXXX I spoke with a agent that had her manager XXXX return a call and he said That the loan has just been in limbo. He was sending it to I believe their CAD department.

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 2022-02-14 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: UPGRADE, INC.
State: NJ

Complaint narrative:
Someone has gotten a hold of my personal information and made three inquiries to credit card companies without my approval. On XX/XX/XXXX an inquiry was made and an account established with XXXX upgrade. I have reached out to this lender and let them know. On XX/XX/XXXX two inquiries were made one with XXXX XXXX  and one with the XXXX XXXX XXXX XXXX XXXX  I did not authorize any of these inquiries or accounts and have already filed with XXXX XXXX my file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I recently received a 1099 K form in the mail from PayPal for money that was sent to me by a family member, refunded, for the amounts of XXXX, XXXX as a gift from XXXX XXXX. I only received a total of XXXX as a gift from a family member, XXXX sent me a 1099 K for the amount of XXXX which is not the amount I received. 

I received a 1099-K ( 2021 ) form in the mail from PayPal on XX/XX/XXXX. The form states that I received funds in exchange for a good or service amounting to {$910.00}, but I ONLY received {$600.00} as a gift from family members. These transactions occurred between XXXX. 

Scenario : the initial payment sent was {$610.00} ( attempting to send {$600.00} ) because it was submitted accidentally as a good or service payment vice a gift ( XX/XX/XXXX ). Since the payment was put on hold ( due to it being categorized as a good or service ) my family and I called PayPal for an explanation. In the meantime, another family member attempted to send split payments of {$300.00} ea. ( one payment was accidentally submitted as good or service ) and thought that this was the reason for the hold. Once we found out that the payment was submitted in error ( good or service selected vice gift ), I refunded the amounts sent as good or service ( {$910.00} ) and received a payment of ONLY {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that's been asked I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with this bureau 40 plus days ago and havent received anything. Correction I did get a letter from XXXX telling me that they were not going to investigate because they believed that I used a third party, I did use a third party " THE CFPB '' which describes how you are suppose to style the letter and the dispute. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors. Each Time that I have called the Bureaus they seem to act as if I need to start the process all over again. I have read the CFPB guidelines and the XXXX XXXX don't seem to care about the rules. XXXX XXXX you are the final help in what millions of Americans are up against please stand your ground make the XXXX XXXX accountable for their sloppy performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that's been asked I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with this bureau 40 plus days ago and havent received anything. Correction I did get a letter from XXXX telling me that they were not going to investigate because they believed that I used a third party, I did use a third party " THE CFPB '' which describes how you are suppose to style the letter and the dispute. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors. Each Time that I have called the Bureaus they seem to act as if I need to start the process all over again. I have read the CFPB guidelines and the XXXX XXXX don't seem to care about the rules. XXXX XXXX you are the final help in what millions of Americans are up against please stand your ground make the XXXX  XXXX accountable for their sloppy performance.

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 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP

Complaint narrative:
My mother passed away recently ( XX/XX/XXXX ). Upon going through her mail, I found several credit card statements to my name for credit card accounts I never opened. I have been a victim of identity theft by a family member : my mother. As hard and sad as this is to say, my mother stole my identity and racked up a large amount of debt in my name. 
On XX/XX/XXXX, I went to the XXXX Police Department and filed the corresponding police report. My mother had been a XXXX resident since XXXX. I don't even live in XXXX. I live in XXXX. I only flew up for my mother 's funeral. 
The card statements I found are the following : XXXX. US Bank XXXX XXXX, dated XX/XX/XXXX, balance due : {$13000.00} XXXX. XXXX XXXX XXXX, dated XXXX/XXXX, balance due : XXXX XXXX. XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, balance due : {$4800.00} XXXX. XXXX XXXX, dated XX/XX/XXXX, balance due : {$2600.00}

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 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Card Company... secured credit card deposit REFUND. I applied for a secured credit card by phone ( around the end of XX/XX/XXXX or beginning of XXXX, XXXX ) with several follow-up calls, and also sent info by email. The process was complicated and frustrating ; their agents each told me different answers to questions. I let them debit my checking account for {$300.00} deposit. They acknowledge the deposit. 

After I submitted the deposit, I was told to call to activate the card. I called. Only now ( after receiving my {$300.00} deposit ), did they say that they needed three months bank statements. I had moved from XXXX XXXX  to XXXX, XXXX, recently closed my checking account in XXXX, opened a new one in XXXX. Waiting for 3 months for new bank statements was longer than the amount of time they were allowing to submit the information. After so many phone calls, several requests from them for me to submit additional information, being put on many long holds, and being transferred from agent to agent, I decided during the activation process to cancel the card. It was " NEVER ACTIVATED '' and COULD NOT BE USED. I tore it up and disposed of it. They acknowledge that no charges were ever incurred by the card. 

The agent cancelled the card and said it would take 2 monthly payment cycles plus 10 days to send me a refund check that would arrived on or about XX/XX/XXXX. Later, I spoke to an agent who told me that since the card was not activated, I could receive an expedited refund in 13 days. 13 days passed. No refund came to my account or by mail. I called and was told their records showed no refund was issued, and that they would re-submit the refund request ; it would take another 13 days. 13 days passed, and no refund. I called and was told the records showed a refund was authorized ; but no action had been taken, that my conversations with approximately 12 different agents did not show in their records, and it would take another 13 days! No refund came. 

With various 'stories ', they have continually, intentionally delayed the refund ; and I am concerned it will never be refunded! After each conversation with them, my XXXX XXXX is near or over the XXXX XXXX  and I have XXXX!!! I can not deal directly with them any more. I suppose some people just give up. I believe they cheat people out of refunds and/or delay refunds to increase their " interest income ''. Can you help me to receive a prompt refund? Discover Card has my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/2022 And now we are in the month of XX/XX/2022 and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/2022 And now we are in the month of XX/XX/2022 and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

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 2022-02-14 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
The PHOENIX FINANCIAL SERVICES has added TWO older collection accounts to my credit profile as a " new '' collection from XXXX, it was recently sold to them this year, not opened this year from the first date of delinquency. This has severely damaged my XXXX XXXX. The original creditor has the date from XXXX or earlier and not the open date that PHOENIX FINANCIAL SERVICES has reported to the credit reporting agencies. I believe this account has been re-aged or has been reported the wrong open date from what the original creditor provided. I am not familiar with this debt, and to see how this debt is damaging my credit XXXX and future, is deeply concerning. Simply put, This is reaged debt and needs to be immediately removed. 

The Same actions have been taken by XXXX XXXX SYSTEMS in reaging debt they purchased in XXXX that belongs to XXXX or earlier I have previously complained to the CRA 's but they are parroting the reporters language and not performing a maximum possible accuracy.

Company response to consumer: Closed with explanation