vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 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: NJ

Complaint narrative:
The following in Equifax 's response to CFPB Complaint # XXXX as it pertains to XXXX, Account # XXXX. 

" We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request. '' In response I am informing you that as per 609 - 15 U.S.C. 1681 ( e ) ( 1 ) Equifax must respond to identity theft victims within 30 days. Also, Equifax must provide to the consumer " ... a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft ... '' See attached supporting documents and law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
In about XXXX I had a credit card through XXXX  XXXX XXXX. I accumulated about {$3000.00} in debt. 
I lost my job and had trouble finding another. 
The debt went to collections. 
I paid collections for this debt. I thought I paid it off. I never received a confirmation letter. 
In XXXX this debt poped up again and Sunrise Credit Services INC has been collecting money from me again. 
I reached out to XXXX  XXXX XXXX and they referred be back to Sunrise Credit Services. 

When I got a car loan in XXXX I was told the debt didn't show up on my credit report that the account was closed. I should not owe anymore money. 
Sunrise insists that I owe the money. 
I continue to pay on this debt. there is no interest being charge to me but it is {$50.00} per month and they are taking advantage of 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 2021-11-01 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: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
I have made several attempts to rectify this issue. I have a 30 day late with account Nationstar/Mr. Cooper from XX/XX/2019. The month in question I was given a forbearance. I have the letter stating it. I have made a dispute with all 3 credit bureaus and with Nationstar/ Mr. Cooper . XXXX Nationstar said it was correct even though I provided them with the letter they sent about the forbearance. Then, they said they didn't report it to the credit bureau. I provided Nationstar with proof that it was on my report but to no avail. Attached is a copy of the forbearance and proof that it is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was transferring my XXXX  funds from my paypal account to my personal bank account XX/XX/XXXX when paypal emailed me that the funds weren't able to be transferred due to high risk business which I was never informed about when I opened my paypal account. I called representative after I received the email and they claim they were holding my funds for 6 months to see if any charge backs due to this so called high risk consulting company then I would receive and email on how I could receive my funds. So fast forward XX/XX/XXXX was 6 months and never received the funds nor the email and when I called them to inquire about it they gave me some water excuse about how they actually stealing my funds claiming some violation of their agreement. I spoke with a rep XXXX XX/XX/XXXX and she was confused as to what happened as well and why I wasn't able to receive my funds and just stated file a complaint with headquarters which never responds. I just want my funds of {$3200.00} not including interest owed the last 6 months released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zip Co US Inc.
State: PA

Complaint narrative:
XXXX  ( ( Quadpay ) a online company with no phone number only chat or email response is taking XXXX dollars every 2 weeks for a item that was never purchased, I put a stop payment on funds, yet they changed amount and still collect from my personal bank account, they have refused to correct this for 30 days now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I respectfully request to the have the following complaint filed against Capita One Bank in reference to a credit card that has been reporting negatively for the years. This debt has expired and should no longer be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchased a vehicle from XXXX in XXXX. They sent my information to Santander Consumer USA. The loan started in XX/XX/XXXX for the first payment. In XX/XX/XXXX, I was wrongfully terminated from my employer and got behind on payments due to me not making the amount of income I was when I was employed. I made numerous contacts to Santander to ask them what were my options as I was very concerned about my credit and my co-signers credit. They didnt want to assist. I ran up credit cards trying to stay on track. Fast forwarding to XX/XX/XXXX, my car was stolen and taken to another State. I had full coverage insurance and Santander was paid off. Theyve added the amount they said I owe, over $ XXXX to my credit report which is impacting negatively for me and the co-signer. I was not $ XXXX behind on payments, maybe 2 payments behind since I was stressed, single mother, trying to work still and find transportation to get back and forth to work. I end up ultimately having to get another loan for another car. I dont feel that amount they say is owed is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/21 I paid a negative account balance of XXXX capital one 360 is still reporting this account as not paid. Additionally capital one 360 is also reporting I have a negative balance in an account that customer service has be unsuccessful with locating. I have no knowledge of the second account being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX I was frauded and XXXX XXXX of my money was taken via XXXX from unknown recipients posing as my banking institution Chase. I was sent a fraud notification and was told from a Chase customer service # or what I believed was chase that my account was in jeopardy and that I must act immediately to stop identity theft and unauthorized transactions. I immediately went to Chase bank after speaking to what I believed was a Chase customer service manager who asked me to log in to protect my account from unauthorized transactions. The next minutes are a blur and I was in a panic once I realized what was happening and I hung up and rushed to my bank to stop pending transactions on my account. When I arrived the manager said that it was too late even though the transactions said pending. I immediately filed a police report after I got home and found my ipad was also missing which had all my banking information and passwords in the notes section. I have also called XXXX and have frozen my credit and put an alert out as per the police department recommendation. My identity and all my banking accounts could be jeopardized. Chase is refusing to reimburse me for this fraud saying I authorized these two fraudulent transactions. I did not knowingly and I believed what I was being told by what I thought was my bank. When I hung up they called back stating that they were Chase fraud team customer support. This has completely traumatized me and it is completely unfair that I not be refunded what was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: NC

Complaint narrative:
On XX/XX/2021, PayPal permanently limited the account of a household member. To my surprise, I just logged in to my account today and found that they have permanently limited my account too due to " Potential Risk ''. This's retaliatory action, being a member from the same household doesn't give you the right to shut down my account too. Please indicate what activity did you determine as " Potential Risk ''? My PayPal account history and activities are flawless, with no fraudulent or chargeback transactions ever. I had my account for so many years without any issues. Is it legal to shut down my account because of another household member being unfairly shut down? Please don't reply with nonsense Terms & Conditions. The last activity in my account was on XX/XX/2021, you didn't shut down my account UNTIL you shut down the other member 's account as a retaliatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: MI

Complaint narrative:
I have contacted Transunion and XXXX XXXX  about inquiries on my report and they have YET to do anything about them. I have filed report after report and nothing.

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 2021-11-01 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : USDOEXXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
My bank notified me of a major derogatory activity on my credit on XX/XX/2021, that's how I realized that there was a company charging a debt against me ( I.C. System, INC. ) I called them and they said that said I owed {$120.00} for a procedure done at the XXXX XXXX XXXX XXXX in XXXX in XX/XX/2021. 
I called the XXXX and they apologized saying that this bill was paid by my wife on XX/XX/2021 and that they advised the debt collection company IC System that this bill was already paid but this company, IC System did not withdraw the billing and reported to the credit bureau that I still owed this account, irresponsibly damaging my credit. 
I called I.C. System asking for an explanation for continuing to have it on their system as a debtor. An IC employee told me over the phone that there was a duplication of my case and that the system was improperly charging the same debit from XXXX. They did not offer me any resolution regarding the wrongful collection and the recovery of the points lost in my credit due to neglect of the company.

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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I purchased a vehicle from XXXX in XXXX. They sent my information to XXXX XXXX XXXX. The loan started in XX/XX/XXXX for the first payment. In XX/XX/XXXX, I was wrongfully terminated from my employer and got behind on payments due to me not making the amount of income I was when I was employed. I made numerous contacts to XXXX to ask them what were my options as I was very concerned about my credit and my co-signers credit. They didnt want to assist. I ran up credit cards trying to stay on track. Fast forwarding to XX/XX/XXXX, my car was stolen and taken to another State. I had full coverage insurance and XXXX was paid off. Theyve added the amount they said I owe, over $ XXXX to my credit report which is impacting negatively for me and the co-signer. I was not $ XXXX behind on payments, maybe 2 payments behind since I was stressed, single mother, trying to work still and find transportation to get back and forth to work. I end up ultimately having to get another loan for another car. I dont feel that amount they say is owed is legitimate.

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 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My Attorney sent Mr. XXXX, a Demand letter to negotiate a return / refund of my {$170000.00} that I wired to Me, XXXX XXXX XXXX, on XX/XX/2021 from the XXXX XXXX branch located at XXXX. XXXX in XXXX, IL. 

The funds described above were wired to XXXX for the sole purpose of obtaining an engagement contract with his artist, XXXX XXXX. The contract that is the subject of this letter, has not materialized as of the date of the Demand letter and XXXX has my {$170000.00} In fact, shortly after wiring XXXX  the money, I received a phone call from XXXX XXXX of XXXX XXXX XXXX that he too; had wired XXXX a {$170000.00}. However, in Mr. XXXX case, XXXX had already executed a contract with XXXX on XX/XX/2021 for your artist, XXXX XXXX which was 10 days prior to the XX/XX/2021 date XXXX tried to do with me. 

The contract XXXX executed with XXXX XXXX is for the same time and period that XXXX had negotiated for with me for which I 100 % believed my {$170000.00} was securing but later found out something different. 

Again, as of todays date, Mr. XXXX, have failed to deliver an executed contract to Me " XXXX XXXX '' for his artist, XXXX XXXX, and XXXX have failed to return my hard earned {$170000.00}. 

So my attorney sent Mr. XXXX a demand letter as formal and final DEMAND for the return/refund of my {$170000.00}. the letter was sent out on XX/XX/202, we gave Mr. XXXX 10 days from the date of the Demand letter that was sent to contact my Attorney 's office at the contact information listed in Demand letter or he could have contacted Me " XXXX XXXX '' directly to arrange payment.we also stated in the demand letter that if we dont hear from him within 10 days of that letter. We are going to pursue any and all legal actions Mr. XXXX that are available to us for a lawsuit. XXXX XXXX has already been reported to my local law enforcement, I filled a report, wrote a statement, filled a complaint with FTC, filled a complaint with ic3.gov, filled a complaint with US Attorney and filled a complaint with FBI Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
Hi, I closed on two loans on XX/XX/XXXX. First a Conventional Loan unwritten by Fairway Mortgage ( https : //www.fairwayindependentmc.com/ ) and other was HELOC by XXXX XXXX. In the entire process, I as a buyer was talking only with Fairway. The loan officer at Fairway was coordinating the HELOC loan with the other company. 

My concern is about the fees and Cash-to-Close for my house at XXXX XXXX XXXX. Cash to close communicated to me till XXXX XXXX was {$170000.00}, but I ended up paying {$170000.00}. The difference of {$960.00} came as a surprise to me, which I am not happy about. I had been asking for a final XXXX for a week before closing, and I expected to pay the fees that was in the closing disclosure given to me. 

I have raise this concern with the loan officer and their manager, but they are saying they can not do anything. 

My concern is not that I paid more than I should have. My concern is that I paid more than I was told to pay. The Loan officer was my single point of contact, and a day before closing he confirmed {$170000.00} to me and his Closer, but $ $ went high on me. 

What is the point of closing disclosure and all the communication when a Loan Office can not give final XXXX right before the closing date? 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have made several attempts to rectify this issue. I have a 30 day late with account XXXX XXXXXXXX from XX/XX/2019. The month in question I was given a forbearance. I have the letter stating it. I have made a dispute with all 3 credit bureaus and with XXXX XXXX XXXX XXXX XXXX XXXX said it was correct even though I provided them with the letter they sent about the forbearance. Then, they said they didn't report it to the credit bureau. I provided XXXX with proof that it was on my report but to no avail. Attached is a copy of the forbearance and proof that it is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have made several attempts to rectify this issue. I have a 30 day late with account XXXX XXXXXXXX from XX/XX/2019. The month in question I was given a forbearance. I have the letter stating it. I have made a dispute with all 3 credit bureaus and with XXXX/ XXXX XXXX XXXX XXXX XXXX said it was correct even though I provided them with the letter they sent about the forbearance. Then, they said they didn't report it to the credit bureau. I provided XXXX with proof that it was on my report but to no avail. Attached is a copy of the forbearance and proof that it is on 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 non-monetary relief
Consumer complaint received 2021-11-01 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: NJ

Complaint narrative:
XXXX and XXXX has removed the XXXX XXXX account now can you also remove the inaccurate information Transunion ?

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