vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2021 I attempted to unfreeze my credit with the 3 major entities my bank is utalizing for my mortgage preapprovel. I had no issues with two of the entities. The third, Experian I could not utilize the phone, which is entirely automated or by website to unfreeze my credit. When I asked by phone to speak with a representative, I was told by automation it was not allowed, and gave me instructions how to request unfreeze by snail mail or website and eventually the automation hung up on me. I then attempted to unfreeze by website. Completed the same info and pin I provided by phone. Error. I tried for my entire lunch. I then tried to find how to get a real person..only FAQ on website under customer service. No live chat. Only online number to be found is totally automated number. Tried both platforms today..same results. I then went to their XXXX  page, under public post..not surprisingly..lots of complaints..no one csn get a live person. Appears this platform is monitered as posters are asked to XXXX. This is unacceptable, it harms the Elderly, XXXX, low income and impacts peoples lives. My account is still unfrozen.

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 2021-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: OR

Complaint narrative:
I had a debt with XXXX XXXX of XXXX. It was a payday loan unsecured for XXXX. This debt was applied for XX/XX/XXXX. I defaulted due to having to move out of state as i could not afford to live in XXXX. I moved in XX/XX/XXXX to XXXXXXXX. I struggled to find a place to live with my family of XXXX and to find gainful employment. The debt was sent to collections after 6 months of non payment. Due to XXXXXXXX XXXX statute of limitations the debt is no longer valid. This company National Credit Adjusters has called me everyday for the past 3 yeasr from various phone numbers and threatened legal action and to send the police to my place of residence if i dont give them a payment. Account # XXXX. They are also falsely reporting that the account was opened XX/XX/XXXX when it was originally opened XX/XX/XXXX. 
XX/XX/XXXX Call from XXXX threatened to sue me and told me police were on their way. 
XXXXCall from XXXX threatened to sue me and told me police were on their way. 
XX/XX/XXXX Call from XXXX called and said a case was opened against my social security number and i would be arrested. 
XX/XX/XXXX Call from XXXX called and threatened to reveal information to my employer XX/XX/XXXX Call from XXXX called and threatened legal action against me and told me police were on the way. 
Everyday i receive emails and phone calls from this agency threatening me and falsely reporting this information to the 3 credit bureaus. The company National Credit Adjusters have damaged my ability to apply for new credit. 

I have also sent certified letters every 45 days to all 3 credit bureaus asking them to verify this debt. I have never received any documentation from any of the credit bureaus nor national credit adjusters regarding this debt in writing. They have violated my rights under the Fair Credit Reporting Act. 
Letters sent certified from XXXX to XXXX, XXXX, and XXXX  on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Went to a car dealership they ran my credit to many companies, after I told them I only have on loan place I work with, which is XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Last month i had a financial hardship im still having. I tried calling to setup payment of my loan for the next month since i needed to catch up on payments and the app was giving me trouble. Causing me to sign up for three payments for XXXX when i was trying to pay for just XXXX and XXXX. The membership fee i figured would be waived as i was unable to benefit from any of the perks of the membership for the credit builder loan such as XXXX  ( which i wshould have received anyways because its a perk of using direct deposit ). Long story short i was cut off of my XXXX  advances although i have direct deposit and received it before i even signed up for the loan and whatever other supposed perks you get from a loan you inly received XXXX $ from but ate paying for a XXXX $ loan. So, while they are keeping the XXXX $ i wasnt able to receive ( because they are collecting intrest on it lets be real ) charging me {$46.00} a month for the loan ontop of an additional XXXX $ membership fee which really only allows another {$100.00} XXXXXXXX advances, but there's a catch to that as well. If the system doeant detect your deposit, the same consistent deposit youve been receiving every month same amount same time of month, that extra hundred is not available and your paying an extra XXXX $ a month for basically nothing. I do not use any of their other services as theyre not services that arent already included with direct deposit acct. This bank is an absolute greed monger and im disgisted by the lack of customer service as well.there is absolutely no customer service whatsoever. And dont even bother asking for a supervisor. Theres never one available and they have up to five days to get back to you at their convience not yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2021, my credit card was stolen as my car was broken into. I had 3 charges, one for {$100.00}, and two for {$210.00}, a total of around {$640.00} that was on my credit statement. I immediately called Chase bank and filed a dispute, shut down the card, and was issued a new one. I also filed a police report and even reached out to XXXX  to issue a fraud alert as well. On XX/XX/2021, the charges were put back onto my credit card statement, causing my credit card limit to go over. I called chase bank and spoke to a representative on the security specialist team, and she told me that I did not have enough evidence and their fraud team will not reverse the transaction. I asked her if there was somewhere to provide evidence ( my police report ) and she said no. I asked if she was willing to look at the police report and she said no. The representative told me to email the fraud team with the evidence instead, and when I tried the email address she gave me was faulty ( XXXX ). She said she will re-open the case but when I asked if there was a confirmation number, she denied it. The overall story was that I did not have enough evidence and they re-charged me for purchases I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I bought a XXXX XXXX XXXX  From XXXX XXXX in XXXX Nj. On XX/XX/XXXX. After purchasing it i read about 2 Warranties that im paying for, so i call both companies to cancel the warranties, 1 company XXXX  Cancels the warranty and sends a check to my lender santander usa. The other company says they cant cancel it, and that i need to contact the dealership in order to cancel it, so i do just that, on or about XX/XX/XXXX i text my salesman XXXX XXXX And he says send him a copy of one of payment payment receipts and my drivers license, i did send it to him at XXXX and he said it would be taken care of, i waited a few weeks and they still have not sent the {$900.00} plus check to Santander Use for this bogus tire and or rim warranty, when i call them they keep saying they have no idea what to do. So i went into the Dealership ( XXXX XXXX ) and talked to XXXX  the sales manager on or about XX/XX/XXXX. He brings out a paper for me to sign and tells me the check will be sent to santander in a matter of days. And here it is almost a month later and i call Santander Usa and they say the have not received anything from XXXX  XXXX. I need help because they just keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: GA

Complaint narrative:
I received a letter today ( XX/XX/2021 ) from American Coradius International LLC ( " ACI '' ) claiming that XXXX had placed my account with them for collection of a debt. This is clearly fraud and a quick search online shows that many, many other folks have received similar fraudulent letters from this company trying to collect a PayPal debt they do not have. 
First of all, the letter from XXXX lists a PayPal account number. According to the PayPal website, PayPal accounts do not have account numbers! They are tied to a user 's email address.

Secondly, I have two PayPal accounts ( personal and business ) and neither has ever had a debt since they are both set up to auto-debit any expense from my linked bank accounts. 
I am asking CFPB to PLEASE put a stop to American Coradius International LLC 's repeated fraudulent attempts to collect debts that were never owed in the first place. This has been going on for several years! How is this company being allowed to continue scamming people?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: IN

Complaint narrative:
In my affidavit i stated violations on behalf of XXXX XXXX and Global Lending Services. I believe i federally protected consumer have been violated in several way under the fdcap, fair debt collection practice act. fcra fair credit reporting act, and also tila truth in lending act. any fraud in any contract is null and avoid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TX

Complaint narrative:
My wife and I applied to an apartment complex aproximately 3 and a half years ago. The apartment denied our applications with fees at XXXX dollars per person that we paid totaling XXXX dollars. Around 3 months later, i start getting harrassing calls from a company called Hunter Warfield saying I owe money to them. They originally stated i owed XXXX dollars and has somehow went up to XXXX dollars. I do not owe this amount and they have been told not to contact me anymore and yet they are still harrassing 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 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TCF NATIONAL BANK
State: NC

Complaint narrative:
My credit card was hacked several months ago. TCF Bank in XXXX, Michigan locked the account and told me that a new credit card would be sent in 7-10 business days. After six more calls, the bank personal that the card has not been sent after several tries. The bank manager was to call me last Friday on XX/XX/XXXX. Still no call or card. I have bills to pay that are past due and like to know what can I do to get this settled. It has been over 40 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
To whom this may concern, My name is XXXX XXXX and on XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. As of yet, it's been nearly 60 days and I still have not received a response. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been nearly 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ive filed a dispute on XX/XX/2021 and yet to receive any results resolving my issue. I've tried contacting the original creditor to see if they can provide me information on regards of the misleading and inaccurate information and I have not received a answer, this is causing me thousands of dollars in interest a year and I would like to have the matter resolved. this is a violation of the fair debt collecting practice act. I refuse to wait another 30 days.

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 2021-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was late on my payment in the month of XXXX, I over looked the payment. I have had this account since 2014 and have never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is about me and my businesses. I have my business checking accounts closed by theXX/XX/XXXX XXXX XXXX due to Fraud. I requested reports from me and my business and noticed sinceXX/XX/XXXX 2020 several repeated inquires of CAPITAL ONE. I want these inquires to be remove from my personal report and my businessesXX/XX/XXXX EIN XXXXXX/XX/XXXX XX/XX/XXXX EIN XXXX XXXX XXXX XXXX XXXX XXXX I have my bank accounts closed in this financial institution. 


XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Today ( XX/XX/XXXX) we were scammed/frauded by someone acting as a landlord for a house to be rented. I sent him XXXX on Zelle and my father sent XXXX for the security deposit. We contacted XXXX/Zelle immediately after finding out about getting scammed. XXXX/Zelle said they can not do anything about it and to contact local authorities. They are not protecting their customers or least looking out for them in these situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am submitting a request referring to " national enterprise '' debit collection listed on my account. This debit does not belong to me. I am unaware of where this debit came from and am requesting it be removed from my credit report.

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 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I call Discover Card services XX/XX/2021 to inquiry as to why my credit report was showing I only paid {$220.00} each month. I was told they do not have to report the complete amount, all the law requires is that they report the Minimum balance. and they where not going to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: IL

Complaint narrative:
Upon reviewing a copy of my credit report I see an entry listing that is fraudulently reported. It is a violation of a Congressional findings under FCRA 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: NY

Complaint narrative:
I had a credit score over 800 for over 30 years. I have history of making 100 % payments on time throughout my life. 

I was very XXXX XXXX XXXX and made a payment to XXXX XXXX that was received after the due date of XX/XX/XXXX, but within 30 days. 

I called XXXX financial services. They said they automatically send information to the credit bureaus when a payment is late. They advised I dispute the charge with the credit agency. 

I sent a dispute to XXXX and Transunion. 

XXXX took the late payment off my record and reinstated my score of XXXX. 

Transunion rejected my appeal. They dropped my credit score from XXXX to XXXX on XX/XX/2021. On XX/XX/XXXX they dropped my score another XXXX points to XXXX because I used 7 % of my credit limit!! 

As of today my credit score with XXXX is XXXX. Which is accurate. 

My XXXXredit score with Transunion is XXXX which is outrageous and inaccurate.

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 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I received a letter today ( XX/XX/2021 ) from XXXX XXXX XXXX XXXX XXXX " XXXX '' XXXX claiming that PayPal had placed my account with them for collection of a debt. This is clearly fraud and a quick search online shows that many, many other folks have received similar fraudulent letters from this company trying to collect a PayPal debt they do not have. 
First of all, the letter from XXXX lists a PayPal account number. According to the PayPal website, PayPal accounts do not have account numbers! They are tied to a user 's email address.

Secondly, I have two PayPal accounts ( personal and business ) and neither has ever had a debt since they are both set up to auto-debit any expense from my linked bank accounts. 
I am asking CFPB to PLEASE put a stop to XXXX XXXX XXXX XXXX 's repeated fraudulent attempts to collect debts that were never owed in the first place. This has been going on for several years! How is this company being allowed to continue scamming people?!

Company response to consumer: Closed with non-monetary relief