vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: KY

Complaint narrative:
Tru accord sent an email with the collectors name in the header. Tru accord failed to use any sort of identity verification or disclaimer before email was opened. Inside of email stated to disregard email if this was sent to the wrong email then provided all debt and personal information under the disclaimer. I contacted the company and was told that all contact information was " assumed '' correct and that they did not have to verify or have verification steps before giving debt and personal information. I explained that I would like to have their fdcpa policy sent to me and was told that they couldn't provide this information. Once I explained that a small deviation in the email address name could result in the wrong party receiving personal information i was once again told that it wasn't their problem and that it was given to them and assumed accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: PA

Complaint narrative:
On or about XX/XX/2020 I disputed several unverifiable items with experian and the failed to investigate the disputed items within 30 days. Moreover Experian failed to provide the information on file concerning the disputed account as stipulated by section 609 of the Fair Credit Reporting Act.

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 2020-05-18 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with Navient and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
The Initial dispute was sent on XX/XX/2020 while the 30 Day demand to comply was sent on XX/XX/2020.

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 2020-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In 2016 I was in an accident in my finances XXXX through schools first credit union. I was having issues with 2 insurance companies and it took a while for the pay off to get authorized. Schools first was aware of the issue but still chose to charge off debt on my credit report, with a pending payment. I made an agreement with the attorney that works for Schools First, that instead of the charge off and repossession of a totaled car I would be sure the insurance company paid them in full, and the charge off was to be removed. Schools First is now refusing to remove the charge off on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My balance transfer convenience check for XXXX due XX/XX/XXXX was charged to my account on XX/XX/XXXX. A 5 percent fee of XXXX was then charged because the loan was otherwise interest free thru XXXX, XXXX. Another promotional offer is on my account where all interest is deferred and interest will be waived if the balance gets paid by XX/XX/XXXX. My account payments and credits were applied to the balance due XX/XX/XXXX instead of the loan due XX/XX/XXXX. This makes the XXXX 5 percent check fee much too expensive as well as misleading. XXXX, who gave no last name initial, said on XX/XX/XXXX about XXXX XXXX  that my payments could not be re-alloacated to the balance due XX/XX/XXXX. I just authorized another so-called minimum monthly payment which no doubt will reduce the balance due XX/XX/XXXX instead of the loan due XX/XX/XXXX. XXXX said there is no Supervisor to review my complaint because XXXX is an " Escalation Specialist # 5. '' He said I should have known better than to accept the Balance Transfer Convenience Check that they sent in the mail. The terms say payments are applied to the lowest interest rate first. Since the XX/XX/XXXX loan interest is deferred and subject to full waiver, it makes no difference to them that I am currently paying zero interest on that loan.

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 2020-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have an issue dealing with a merchant through Paypal. I have attempted to resolve thie issue directly with the merchant and he refuses to respond. I was able to dispute some of the charges but not all of them due to them exceeding the 180 day mark. Now please read this part as it s important. There were payment installments made on one single invoice which is Invoice XXXX from unluckydinobear. Some of those charges can be disputed but others can not. Can you please dispute the entire invoice as it was only recently paid off back in XX/XX/XXXX? There are a few disputes already open with paypal so please refer to those.The total on the invoice is {$1300.00}. XXXX. 

XXXX and Invoice XXXX All of these charges are for the same product on the invoice which totals XXXX. These " indisputable '' charges '' date back from XX/XX/XXXX to XX/XX/XXXX. I was able to dispute the ones from XXXX. 

Paypal will not assist me in getting a refund despite the merchant not complying and the charges being attached to one invoice. XXXX XXXX will not assist me in this matter either despite me filing a complaint through their ACH dispute department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 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: CA

Complaint narrative:
XXXX  and Experian should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-18 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: IL

Complaint narrative:
I have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with XXXX and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.

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 2020-05-18 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: IL

Complaint narrative:
I have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with XXXX and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: IL

Complaint narrative:
I have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with XXXX and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.

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 2020-05-18 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: CA

Complaint narrative:
Equifax and XXXX  should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: OR

Complaint narrative:
We have an XXXX XXXX account with a Chase credit card associated with the account. Chase apparently added someone to our account without our permission resulting in a volume of fraudulent charges. Chase admitted to their mistake of adding someone to our account. We have been working with the bank to resolve the issue. The bank said we were a victim of identity theft and turned the matter over to their fraud department. The fraud department was investigating and at the same time the bank reported us to the credit bureaus for being late on our payment. When I call the bank I keep getting passed from Customer Service to Fraud to Credit Reporting and no one will take responsibility at the bank to resolve this matter. The bank made the mistake, billed us for charges that resulted from their mistake of adding someone to our account and then reported us to the credit bureau, adversely effecting our credit while we in process of financing a new home. To make matters worse the bank sent us a letter expressing their concerns and is now trying to sell us an Identity Theft Tool Kit through the credit bureaus. I have spent no less than 10 hours, mostly on hold, being transferred between departments at Chase and have had zero resolution. I have no issue making a payment but I should not be paying for charges that were because of the bank 's error and the bank certainly should not have the ability to report me to the credit bureau 's after their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: TX

Complaint narrative:
You may seek damages from violators. ... XXXX, Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates ... FTC XXXX XXXX for region in which the credit operates or Federal Trade Commission : ... 

XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of XXXX. 

The FTC complaint, echoing those from XXXX and the XXXX XXXX XXXX XXXX XXXX, accuses XXXX XXXX XXXX of doctoring up loan applications, reporting false customer income amounts and false advertising. 

The FTC came to us and said were prepared to file this complaint unless you settle with us, XXXX said. In the negotiations that followed, XXXX said, it became apparent to him that the FTCs case was short on facts. Initially, XXXX said, the FTC proposed a settlement that would have had XXXX paying {$1.00} XXXX. That amount being offered now is down to {$500000.00}. 

When XXXX  confronted the FTC, questioning the veracity of information from XXXX, the agency brought up the complaints from the XXXX XXXX XXXX XXXX XXXX. The FTC said nearly 50 percent of the complaints from XXXX car buyers were aimed at XXXX. 

XXXX said his next move was to send his XXXX XXXX XXXX, a XXXX, to explore the XXXX XXXX XXXX XXXX XXXX data. What he found out was that they went around to the XXXX Houses and asked people if they had any complaints. It is true that the majority of complaints were about XXXX, but many of them were about things like I didnt get my payment book, things unrelated to the deal. 

With three dealerships in XXXX XXXX border towns, XXXX said, his company likely sold the most vehicles to XXXX  and its not surprising that his dealerships were mentioned most in complaints. 

From the thousands of cars and trucks that XXXX has sold to people who live on the XXXX XXXX, XXXX said, of the total number of complaints the XXXX XXXX XXXX XXXX XXXX gathered around 30 or 40 are about XXXX. 

They all know XXXX a bad actor, thats been proven, XXXX said. But, I think the FTC wants to go after dealers that benefitted from this. I think theyre suggesting that there are dealers that exploited it, saying dealers should have acted when Santanders didnt. 

XX/XX/XXXX - The dealer may hold onto the contract, but typically, it's sold to a bank ... settle the FTC 's charges that the company violated the FTC Act. CPS ... Every consumer has the right to be treated fairly when it comes to debt collection.

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 2020-05-18 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:
I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told that I was not able to get a credit increase at this time because there are several negative accounts on my credit report. I had no idea that these accounts were on my credit because none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open those accounts in my name using my personal information. I still don't know who is responsible for opening these accounts without my permission but I have already filed a police report. I did not benefit anything form these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliated with any of the companies I listed and I do not have any type of written/verbal contract or agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: CA

Complaint narrative:
XXXX  and Experian should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX I used the zelle feature offer through my financial institution mobile app to send {$700.00} to purchase a puppy from a website called XXXX. The money was sent to XXXX XXXX associated with telephone number XXXX. {$500.00} was for the purchase of the puppy and {$200.00} was said to pay for the flight to fly the puppy to me. Upon making the payment I did receive confirmation from XXXX that the payment was received and that the puppy would be given a vet check and then a carrier services/XXXX XXXX  would be handling the flight and delivery everything to this point seemed legit. On XX/XX/20 I then received phone calls/text messages from a individual from XXXX who said they were the pet carrier agency that would be handling the flight and delivery of the puppy, but asked the we send {$1200.00} for insurance and that the money would be refunded once the puppy was delivered. This didnt make any sense and the person we were speaking too could not provide me their email address or company website. I told them that we didnt have that money nor were we prepared to pay that and I would need to figure something out. They also sent an e-mail from XXXX confirming the same information. We were never advised by XXXX XXXX that we would have to pay this fee in order to get the puppy nor do I have that amount of money to pay even if it would be refunded. I then reached out to XXXX to ask for a refund since I would not be able to pay the {$1200.00}. She responded that she already paid for the flight and would not give a refund. I asked for proof of the flight payment and advised that if the flight was already purchased that I would just like the refund for the puppy. She has now stopped responding to my text messages and calls. I submitted a request to XXXX through XXXX to request a refund which she did not respond to. I called my financial institution Chase Bank to request assistance in filing a fraud case and was advised that they can not help since I authorized the payment and payments through XXXX are not guarantee. I don't agree with that. XXXX is an option they offer through their mobile application its not a sight that I am using outside of my banking how can they do nothing knowing that this is fraud. Additionally if they are now aware that this person is fraud, why can they not contact the other financial institution so they are aware or to at least try to get a refund on my behalf. I feel this is unfair practices to offer a payment option they do not guarantee or provide any assistance to help recover my money. I am a XXXX XXXX XXXX student who is now out {$700.00} that I can not afford and no one will help me. THIS is FRAUD. Can someone please help me? How can Banks offer this payment option and do nothing to help?? If the Banks can not help, shouldn't there be some liability on XXXX??

Company response to consumer: Closed with explanation