vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 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: FL

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As a consumer, I XXXX XXXX certify that it is only me who has prepared this letter. therefore you are in direct contact with me and only me. to insure that you know it is only me, i'VE ATTACHED A COPY OF MY SOCIL SECURITY CARD. I a the only person who would have access to that so that is proof that it is me. all these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. I contacted the Federal Trade Commission and filed complaints # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. extra extra FAST 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. i will not take no for an answer, So just cash me out please. FURTHERMORE This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I Do not VALIDATE THIS DEBT. just kniow that. 
I demand that the following account be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$5200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attempted to remove credit infromation regarding a failed business venture with my personal credit being compromised several times prior. Experian claims there is a settlement in the works, but I shouldn't have to wait to settle an issue I've ben having since I began using my credit to attempt to get a car, business loan, and house through XXXX XXXX, XXXX, and XXXX  XXXX XXXX. Feels like discrimination.

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 2021-04-26 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: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I hired an asset search firm called XXXX to do an assessment of my father 's estate in XXXX. Their site lists XXXX topics covered, and their sample report is 30 pages, and they say it takes a week pre-Covid. I was charged an extra 50 % for more work ; I paid {$1800.00} after a credit. I notified them in early XXXX that my sister had just been appointed executor, and they sent me a report two days later ; they had said a month prior that all the work was done except the bank account search. Their report contained absolutely no information and not a single figure or amount assessing the estate -- a {$4.00} instant report was far more informative. The report was almost entirely document images and the list of such for our family house, whose same list I had sent them, along with other information including record or knowledge of over a half-dozen holdings that was never researched. The report included an unauthorized personal search on my sister with a false and harmful accusation that she said something in an old blog that is not found there. I wrote and told the company CEO that I filed a claim with Suntrust/Mastercard, and he said he would release the report if I did not cancel the claim. 
I sent an overwhelming amount of information to Suntrust Credit Card Claims but they recently wrote that I was in possession of the merchandise. 
I called CFPC two days later but was waiting for Suntrust 's USPS mailing that never came, and I only yesterday was able to open their " XXXX '' file emailed.

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 2021-04-26 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received my XXXX  MasterCard on XX/XX/2021 after I actived it, I can not registered it or use it, it is not working, it said it is not supported or code is not valid, I called like 6 or 8 time to fix it, they are acting like I have a hacker that is using my XXXX MasterCard account and want to manipulate me, making me believe that After the card is active client have to wait few day to use the card. 
That happened with others ebay card but I cancelled rapid. But it is too much stealing my information to control the account, someone name XXXX said that my is restricted too.

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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX COMENITY BANK/XXXX  XXXX INFORMED ON MY CREDIT REPORT THAT MY ACCOUNT WAS CLOSED FOR 60 DAY NONPAYMENT XX/XX/XXXX I CLOSED THIS ACCOUNT MYSELF. PAID IN FULL. XXXX BASED XXXX XXXX NO LONGER CONDUCTING ONLINE MERH AND TO DESTROY CREDIT CARD. I DID AND RID ALL PAPERWORK. 

ONLINE RESEARCH SHOWS COMENITY BANK PULLING DELETERIOUS ACTIONS ON CREDIT USERS FOR HUNDREDS OF ONLINE MERCH AND RUINING AND ATTEMPTING TO RUIIN PEOPLES CREDIT. 

ALL I GET CLOSE TO IS A REPETITION COMPUTER THRU A SITE CALLED RESOLVER. I CAN NOT GET IN TOUCH WITH XXXX XXXX AS THEY ARE DEFUNCT. I CAN NOT GET IN TOUCH WITH COMENITY BANK/XXXX XXXX BECAUSE THOSE BOOKS ARE CLOSED. SO HOW COULD I HAVE POSSIBLY BEEN GUILTY OF 60 DAY NON PAYMENT 3 YEARS AFTER THEY ALLL FOLDED?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, five fraudulent and unauthorized charges were placed on two of my Chase credit cards. I immediately responded via text and email that the charges were unauthorized, as well as reporting the unauthorized activity via phone call and secure message. The bank removed the charges from my account but have now inexplicably placed them there again. They accuse me of having made the charges, which is physically impossible, as I was in another city at the time, as evidenced by charges placed on two other Chase credit cards!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: LA

Complaint narrative:
I received an email in regards to money owed ( {$65.00} ) to XXXX XXXX. Basically it shows I had ( have ) an account with them. I never had an account with XXXX XXXX. So, the mailing is false and dubious. I have attached a copy of the email they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Account is being targeted in multiple ways. 
Double interest charges on account! 
Denial of credit for disputed charges of non service/merchandise! 
Reduction in credit limit! 
Denial of COVID related assistance on account. 

Since changing cards ( switched credit cards within company to reduce annual fee ), credit card company continues to intentionally discriminate, apply unethical and dishonest business practice to account. All to intentionally squeeze more money out of account. 

XX/XX/XXXX no communication, credit limit decreased on good standing account XX/XX/XXXX charge for services cancelled XX/XX/XXXX double charges of interest in billing cycle

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 2021-04-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX acct XXXX and XXXX  XXXX acct no XXXX are closed accounts with XXXX  balance. Proof is attached of Experian 's refusal to investigate, yet the proof shows the accounts are open and experian also shows XXXX XXXX has a balance.There is no proof available to show the accounts are closed and paid to zero. 
The transactions closing and paying them to zero were conducted over the phone with a debit bankcard. 
Experian claims this is a " duplicative dispute '', When has experian ever investigated that the accounts were closed not open as experian depicts.And that the balances are XXXX on closed accounts ... when has XXXX ever investigated that fact? 

Experian is merely calling it duplicative and frivolous under the FCRA because it is not profitable for Experian to do any dispute ever and they will try to get out of doing disputes

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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX I took out a student loan that I would regret more than not finishing school bc companies like EXPERIAN report FALSE, TWISTED, INCORRECT, AND OLD INFORMATION & ( unlike XXXX  and XXXX  ) REFUSE to take it down and THEY'RE XXXX ME OFF bc I have uploaded UNDENIABLE evidence contradicting thier statements & they still won't take it down. PLEASE, have them show you documentation of my account going into COLLECTION in XXXX of XXXX. XXXX and XXXX dont show anything like that bc they're not delusional XXXX who report false and outdated information about thier customers. I WILL NEVER STOP UNTIL SOMEBODY LISTENS TO ME. NONE OF THIER XXXX MATCHES WITH OTHER THE OTHER BUREAUS BC ITS WRONG!! EXPERIAN IS THE MOST CROOKED BUREAU EVER WITH THIER DATA BREACHES EXPOSING MY SENSITIVE INFORMATION AND THEN HAVE THE NERVE TO TREAT ME LIKE IM LYING WHEN I CONTINUOUSLY PROVE IM NOT. IM NOT IN COLLECTIONS!! THE ACCOUNT IS CLOSED!!! ITS 7 YEARS OLD!!!!

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 2021-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received an email from Chase bank. Says J.P.Morgan, they want me to update my account information. I do not have a account with Chase bank and I know not everyone is wise to this scam so I am reporting it. They got zero information from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX acct no.XXXXxxxxx and XXXX  XXXX acct no XXXX are closed accounts with XXXX  balance. Proof is attached of XXXX  's refusal to investigate, yet the proof shows the accounts are open and XXXX  also shows XXXX XXXX has a balance.There is no proof available to show the accounts are closed and paid to zero. 
The transactions closing and paying them to zero were conducted over the phone with a debit bankcard. 
XXXX claims this is a " duplicative dispute '', When has XXXX  ever investigated that the accounts were closed not open as experian depicts.And that the balances are XXXX  on closed accounts ... when has XXXX ever investigated that fact? 

XXXX  is merely calling it duplicative and frivolous under the FCRA because it is not profitable for XXXX  to do any dispute ever and they will try to get out of doing disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: TMX Finance LLC
State: ME

Complaint narrative:
On the following days I agreed to a charge of {$36.00} and have it via email : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. 

However, they've charged {$57.00} on each of those dates so far. I have no explanation for them charging almost {$20.00} additionally each payment date nor do I have it in writing for them to charge me this arbitrary amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
There are negative remarks on my report that are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: TMX Finance LLC
State: ME

Complaint narrative:
I logged onto their site to see that the payoff amount is {$280.00}. I've made payments every two weeks since XX/XX/2021 of {$57.00}. However, I received an email stating that my balance was " past due '' and that they are taking out another {$57.00} on XX/XX/XXXX. I found that strange so I logged in and it states that, despite having already paid {$280.00} so far, I somehow owe {$210.00}. I have no idea where this continued charge is coming from as they actually owe me at this point. The pay-off amount clearly states {$280.00}. They're also currently closed and that is the only way I can have my account information removed from their system. It seems that they wish to continually charge me indefinitely and they have no means to change or remove bank account information online, only via phone. it seems extremely unethical and just plain bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX. I have a Mortgage with Quicken Loans / Rocket Mortgage that was the subject of a Re-finance more than 3 years ago. Under the terms of the mortgage, I have the right to make " Pre-Payments " of the Principal Loan Amount at least once per year and have my loan " Re-Amortized " and the monthly payment " Recast " to reflect the new Outstanding Loan Balance at the contractual rate. I recently phone my lender and informed a customer service specialist in loan servicing that I intended to make a " Principal Pre-Payment " and wanted to know the best time of the month to send in the payment so that all the attendant paperwork could be completed and my monthly Payment Recast by the following month. This agent proceeded to tell me that the process typically takes at least 3 months to complete ( which I know is XXXX because I have done it before with another lender ). I was not born yesterday, and am aware that the lender can earn " Float Interest " with the Federal Reserve while this process is being drawn out. I also attended law school many years ago and have enough legal sense to know that it is a fairly simple process from the standpoint of legal paper processing. After all nothing is changing about the property or the borrower that are the subject of the loan agreement. I feel like a simple letter or a phone call from one of your agents to this lender should be sufficient to let them know that they are being monitored and will not be allowed to get away with dragging their heels in this process. My contact information is as follows -- XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX. My phone contact is XXXX. Thanks in advance for your assistance with this vexatious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX  and XXXX should not be reporting the XXXX  XXXX partial account number XXXX and XXXX. These accounts are over ( 7 ) years old and should be removed. Equifax ; XXXX XXXX XXXX should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax ; XXXX and XXXX should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax XXXX XXXX  and XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax should not be reporting the XXXX  partial account numbers XXXX and XXXX. These accounts are over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX  should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. ( Please see pages attached from my credit report. ) This reporting of aged accounts that should no longer be reporting is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus multiple times to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation