vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my XXXX XXXX : XXXX XXXX $ XXXX Opened : XX/XX/201XXXX 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 2021-12-08 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:
My name is XXXX XXXX. I have had perfect history with paying my credit cards. Capital one bought my XXXX XXXX card from XXXX XXXX and I tried to make a payment. The bank account from XXXX did not transfer to capital ones payment process. I or a agent entered the bank account for capital one. Business as usual so I thought and co to ued to pay my account. Well I never received a notice that funds.never went through. I finally saw on the statement that there was a.late.fee. I called and the agent said there was the wrong bank account number in the system and she changed it correctly. Capital one reported me anyway unfairly. My credit score went down. First negative thing in my credit report in twenty some years. This is unethical treatment of a consumer. I did not ask to have capital one buy my XXXX XXXX card and screw up auto payments etc. I have never missed a.payment anywhere for twenty years. I tried to pay.and the wrong bank account was entered. This was immediately taken care of.and paid off thereafter. Please help me fix this in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Received collect satement letter from ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ph # XXXX ) for the amount of {$480.00} XXXX  reference XXXX XXXX from creditor PayPal , Inc . I contacted XXXX on XX/XX/21 @ XXXX AM ( w/ XXXX ) asking about this matter where I don't have ant PayPal account and e-mail releted with account wasn't belong to me. She state will take care of issue but sine I read a lot of rviews agains this company I decided enter a claim at Consumer Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: MD

Complaint narrative:
This complaint is to establish a written record of my communication with Credit Corp Solutions Inc. located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX according to their written notice or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, according to their online address. Their email address is : XXXX and their phone number is listed as ( XXXX ) XXXX online and on the written notice. 

This debt collection company contacted me via standard mail on behalf of XXXX to resolve a fraudlent transaction that has resulted in either a legit or fraudulent a debt collection I spoke with a Credit Corp Solutions Inc specialist today after receiving a notification letter on behalf of XXXX regarding an outstanding payment in the amount of {$65.00}. 

Their representative informed me of the fraudlent account number XXXX and the associated email address XXXX. Neither this account nor the associated email belong to me. Furthermore, I have no payment activity with the aforementioned transaction amount. 

Their representative asked for my birth date and asked me to verify my childhood home address as part of their verification process. Also, their rep advised me to : -File a police report -Complete and notarize the fraud report paperwork that they said XXXX would send via email. 

At this writing, I am still waiting on the paperwork, which leads me to believe that this was a scam and attempt to retrieve personal information for future abuse. For your records, I have reported this fraudulent activity to XXXX and will file a police report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I called Ally Financial ( XXXX ) on XX/XX/2021 at XXXXXXXX XXXX ( pacific standard time ), and spoke with XXXX XXXX and XXXX regarding a settlement offer. I was told that if I paid {$13000.00} by XX/XX/2021 The entire tradeline associated with Account XXXX : XXXX would be removed from all 3 credit bureaus. I was told my call was being recorded and would like record of the call. On XX/XX/2021 {$13000.00} was paid to Ally. Ally has confirmed receipt of the funds but is still reporting the account as opened with a balance. I was told on XX/XX/2021 that Ally will take up to 60 days to update this information which is very different from the information initially given to me on XX/XX/2021.

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 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I had a fraudulent application with XXXX XXXX Bank on XX/XX/2021. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX I also had a fraudulent application with XXXX on XX/XX/2021. 

Institution Information XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Both applications were denied but I would like to remove these hard inquiries from my credit report as they were fraudulent. 
Best, 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 2021-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2021 my car was repossessed from my residence without proper notification. According to the bank we are late XXXX months on our payment. I know for a fact that I paid for XXXX and half of XXXX. I did not receive any letters in the mail nor did I receive any phone calls or voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: FL

Complaint narrative:
I opened a High-Yield Savings account on XXXX XXXX, at Lending Club Bank ( formally XXXX XXXX  ) with a deposit of {$5000.00}. Made another deposit a couple days latter. One deposit was returned. They froze the other one. I have been in touch with them regularly trying to get my money back .On XX/XX/XXXX I received a call from someone named XXXX XXXX. He told me the money had been returned to my checking account at XXXX XXXX XXXX XXXX, they never received it. Lending Club has been unable to give me a tracking number or find out what happened to my money. The Lending Club File # XXXX Please Help Me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Chime Financial Inc
State: NV

Complaint narrative:
I received an unsolicited credit card from " Chime '', when I tried calling the company they did not answer and instead informed to send them an email at XXXX. I have never opened an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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:
This complaint is to establish a written record of my communication with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX according to their written notice or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, according to their online address. Their email address is : XXXX and their phone number is listed as ( XXXX ) XXXX online and on the written notice. 

This debt collection company contacted me via standard mail on behalf of PayPal to resolve a fraudlent transaction that has resulted in either a legit or fraudulent a debt collection I spoke with a XXXX XXXX XXXX XXXX specialist today after receiving a notification letter on behalf of PayPal regarding an outstanding payment in the amount of {$65.00}. 

Their representative informed me of the fraudlent account number XXXX and the associated email address XXXX. Neither this account nor the associated email belong to me. Furthermore, I have no payment activity with the aforementioned transaction amount. 

Their representative asked for my birth date and asked me to verify my childhood home address as part of their verification process. Also, their rep advised me to : -File a police report -Complete and notarize the fraud report paperwork that they said XXXX would send via email. 

At this writing, I am still waiting on the paperwork, which leads me to believe that this was a scam and attempt to retrieve personal information for future abuse. For your records, I have reported this fraudulent activity to PayPal and will file a police report. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear Sir / Madam, I hope you are doing well. 

I have been with CitiBank since the XXXX. I have XXXX checking accounts, XXXX savings account, XXXX preferred money market account and ( until recently ) XXXX credit cards with CitiBank. 

Recently, CitiBank seemed to have an IT system migration. With such a migration, the system automatically changed the address on file and on all these accounts to a foreign account that is no longer valid, without informing me in advance. 
I used that address for them to mail over an emergency credit card years ago while I was travelling and lost my then credit card. 

As a result of this incorrect address, both of my credit cards have been closed, and all accumulated points lost. 
I was on the phone with CitiBank today for hours, and was transferred back and forth across different departments, but no one could solve my problem, and worst of all, nobody seemed to care or be willing to correct the mistake they had made in the first place. 

They claimed that the XXXX credit cards were closed due to the fact that the address on the card were a foreign address. I requested them to fix/delete the incorrect/invalid address ( which was their mistake to begin with as I have mentioned above ). They claimed the address could not be fixed since the cards have been closed. It is like going in this endless loop. In the end, they only offered to let me apply for a new credit card from scratch, but I would lose all my existing points. 

I am writing to you in the hope that I could at least recover the points, and lodge a complaint with their unprofessional conduct. As mentioned several times before, the mistake was not even done by me to begin with. I never requested such address change. It was due to their internal system glitch. 

Thank you very much!

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 2021-12-08 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: GA

Complaint narrative:
All of these accounts listed are all fraudulent account showing on my equifax credit report the creditor agreed to remove these fraudulent accounts but equifax fails to remove the accounts which is causing me financial hardship and breaking credit consumer law. 

XXXX XXXXXXXX {$3100.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: OH

Complaint narrative:
On XX/XX/XXXX my doorbell camera filmed a man taping a notice to my door to contact my mortgage company Village Capital urgently! So I did, and I was told that my XX/XX/XXXX payment had not been received. My payment is automatically drafted from my checking account on the XXXX of each month, and I have a monthly statement from Village Capital showing that my payment had in fact been received on XX/XX/XXXX. 
After being put on lengthy holds and speaking with numerous frontline representatives about this, I was finally able to speak with Supervisor XXXX XXXX who informed me that my Original Loan Amount of {$350000.00} was incorrect and that the Loan Amount was being changed to {$350000.00}. The Loan History that I am including shows the loan starting over a year ago with the amount of {$350000.00}. Thirteen timely loan payments have been made since then. The Loan History also shows that on XX/XX/XXXX that {$540.00} was added to my Principal. 
XXXX XXXX informed me that an audit was done and that my original loan amount should have been {$350000.00}. He had the loan department send me a Closing Disclosure with that amount on it dated XX/XX/XXXX. I've sent Village Capital 's loan department a Corrected Closing Disclosure that was e-signed on XX/XX/XXXX prior to the Loan Funding on XX/XX/XXXX with the dollar amount of {$350000.00} that the loan began with. 
While I have spoken with Supervisor XXXX XXXX on numerous occasions, he has informed me that he can not make any changes on my account and that I would have to speak with someone in the Loan or Loss Mitigation Department. He tells me that he has sent numerous emails ( 5 ) to that department for someone to call me and discuss this error with me, but as of today XX/XX/XXXX No one has called me! Supervisor XXXX XXXX tells me it's out of his hands and that he can not understand why nobody has contacted me from the Loan/Loss Mitigation Department XXXX 
If I could talk with someone from that Department, I would let them know that the reason for the Corrected Closing Disclosure was that the original Homeowners Insurance was quoted too high in the amount of {$220.00} a month and that it was corrected to {$110.00} per month, a difference of {$530.00} which is ironically almost identical to the amount they have increased my principal by ( {$540.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
Credit Control LLC has sent me a collection letter for a debt that I do not owe. It even says on the letter that the age of the debt makes it non suable and not reported to the credit agencies. The issue is that it has been reported to the credit agencies and I do not owe this debt. 

My identity was stolen years ago and I have worked hard to have excellent credit. I do not want this on my record.

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