vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has lost 3 police reports but nothing else. I now misplaced the reports they admit loading. The police reports weren't even needed but they lie and don't change nothing until you have one. So they deleted some hard inquiereys but there were 2 if each. So they deleted the first date off report but now they can't find it. It is 3rd time I sent two reports the police hated doing because this is fraud happening but not police fraud. I also used the FAIR CREDIT REPORTING ACT. They have my laws and what I asked for? They didn't do any of it and there 45 days are up. They lie and say the fair reporting agency doesn't apply to them. Probably because they are located in XXXX. Anyways they had their time and I sent them these small items but they refuse even with reports they used but now list. They do have my fcra sections XXXX and XXXX. But they say they laws don't apply. I want the 5 hard inquiries that my ex put on my report off, the 2 late payments on XXXX XXXX  and XXXX credit cards that were mistakes off and the 7 year old fraud case of XXXX dollars somebody got card and took all of it out in cash. The credit can't company didn't inform me or the credit butesus. I we antbthst off like the 2 other agencies took off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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:
Equifax is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF XXXX XXXX XXXX US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX Chapter XXXX. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX  XXXX  # XXXX Account holder not borrower XXXX # XXXX Account holder not borrower XXXX XXXX # XXXX Account holder not borrower XXXX XXXX  XXXX  Account # XXXX Account holder not borrower XXXX  # XXXX Account holder not borrower XXXX XXXX  # XXXX Account holder not borroweXXXX XXXXccount # XXXX Account holder not borrower XXXX  # XXXX Account holder not borrower XXXX XXXX XXXX  XXXX Account holder not borrower XXXX  # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXXAccount XXXX XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX  XXXX Account # XXXX Account holder not borrower XXXX  Account # XXXX Account holder not borrower XXXX  XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Chime Financial Inc
State: NY

Complaint narrative:
I purchase something but never received the purchase I call my bank and let them know about the transaction and they were supposed to send me an email I never received the email I contact the merchant they refused to give me back my money but I never received an email from my bank still waiting for them to contact me and they never did

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
After you investigated this and removed it they rereoorted it with double amount. I think this is a duplicate if XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION

Complaint narrative:
My Employer sent my salary last Friday XX/XX/2021, up until now Xoom failed to deposit the amount tgat usually takes 3 hours to deposit. They said they are upgrading their system. But who is upgrading their system for almost a week now. My employer is trying to call them like a hundred of times already but nobody answers. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
XXXX XXXX of Caliber Home Loans promised me a {$250.00} XXXX gift card if I refinanced my mortgage with them. He promised an email containing this once I lock in my interest rate. This email never came. I asked XXXX about it and he was not much help, multiple times on XX/XX/XXXX and XX/XX/XXXX. I emailed his supervisor XXXX XXXX on XX/XX/XXXX per request of XXXX with no response. I emailed XXXX again about it XX/XX/XXXX with no meaningful response. I feel that they have lied to me to get me to enter into a financial product for their gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX  has lost 3 police reports but nothing else. I now misplaced the reports they admit loading. The police reports weren't even needed but they lie and don't change nothing until you have one. So they deleted some hard inquiereys but there were 2 if each. So they deleted the first date off report but now they can't find it. It is 3rd time I sent two reports the police hated doing because this is fraud happening but not police fraud. I also used the FAIR CREDIT REPORTING ACT. They have my laws and what I asked for? They didn't do any of it and there 45 days are up. They lie and say the fair reporting agency doesn't apply to them. Probably because they are located in XXXX. Anyways they had their time and I sent them these small items but they refuse even with reports they used but now list. They do have my fcra sections 609,623 and 604. But they say they laws don't apply. I want the 5 hard inquiries that my ex put on my report off, the 2 late payments on XXXX XXXX  and XXXX credit cards that were mistakes off and the 7 year old fraud case of XXXX dollars somebody got card and took all of it out in cash. The credit can't company didn't inform me or the credit butesus. I we antbthst off like the 2 other agencies took off.

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 2021-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian referencing ac # XXXX, XXXX, XXXX and XXXX XX/XX/XXXX, XXXX,XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XX/XX/XXXX. Additionally, XXXX XXXX XXXX XXXX complaints are XXXX, XXXX, XXXX and XXXX. 

By its repeatedly demonstrated actions and refusing to email XXXX a copy of the auto lease contract, signed by XXXX XXXX XXXX, XXXX dated after XX/XX/XXXX or email XXXX the non-existence of such contract and total removal of XXXX from its credit report Experian willingly continues to participate in XXXX  fraudulent scheme. One of many of Experians corrupt participation is its recent attached, issue deferral, communications, report # XXXX. 

XXXX in part states : if account was opened as a result of identity theft, credit grantor may not know to contact you to discuss this matter The most recent contact to both Experian and XXXX is : Email to : XXXX, XXXX and XXXX, subject : XXXX Request : XXXX XXXX # XXXX, XX/XX/XXXX XXXX in part stating : Attached is the XX/XX/XXXX dated letter I USPS received from XXXX XX/XX/XXXX XXXX If in fact XXXX did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit. Experian respectfully you have in YOUR possession the ID Theft Affidavit. To avoid increasing damages please return email that XXXX # XXXX is totally removed from my personal credit report. 

Experian has been repeatedly advised to request of XXXX XXXX XXXX XXXX its XXXX mail dated XX/XX/XXXX in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process The existence of this XX/XX/XXXX letter has been recently learned verified by : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX XXXX Good Afternoon : I received a call back from XXXX XXXX XXXX notes on the account say : XXXX XXXX CONTRACTCONTRACT HAS EXPIRED XX/XX/20..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*XXXX  I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can XXXX run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | XXXX XXXX XXXX Credit Report # XXXX is FRAUD.

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 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My bank is refusing to work with me on a transaction in the amount of {$260.00} that I placed onXX/XX/XXXX. I signed up for the dating website XXXX and when I attempted to cancel the same day, the company refused to work with me. Im going to keep fighting this as long as I can. 

The dating service canceled my account a week ago. Theres no way I am going to let this go without a fight.

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 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF 451 834 866 US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX Chapter XXXX. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrowerXXXX XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX  Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXX Account # XXXX Account holder not borrower XXXX  XXXX Account # 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 explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
Two XXXX  loans originated in XXXX. Entered bankruptcy in XXXX. Ch XXXX in XX/XX/XXXX followed by Ch XXXX in XX/XX/XXXX. XXXX  loans paid in full according to Bankruptcy Trustee in XXXX, XXXX. 

No communication from servicer AES for 5 years. In XX/XX/XXXX received letter from collection company XXXX. Contacted XXXX who explained XXXX loan transferred back to AES. Could not explain why no communication. Advised I needed attorney to address. I informed them would not be spending money on attorney when bankruptcy court sent servicer regular payments, ledgers. XXXX advised loan transferred back to servicer. What is XXXX ' role? To pad accounts w interest, fees, charges etc? 

Contacted AES which stated have two loans remaining with balances due. Loan 1 has balance of XXXX while Loan 2 has balance of XXXX. No statements provided. Documentation received upon my request to AES stops at XXXX. No statements provided after XXXX showing payments made, fees, charges etc. 

While I can easily pay both amounts, the point is these accounts have already been satisfied through bankruptcy court payments. Why is AES now trying to collect on phantom charges? Im receiving letters from AES on an almost weekly basis. 

Letters now stating payment will be late as of XX/XX/XXXX. Ive worked hard to recover from bankruptcy, hope AES wont destroy my credit with their " error ''. XXXX XXXX legacy tom foolery at work? I trust your agency can assist. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was scammed and money was stolen from both of my savings accounts and XXXX to a random person. Within minutes I filed a claim with Bank of America and they said I may have a great chance of getting this money back and that they could even see what bank and account this money went to. After 90 days or so they responded denying me the return of all of my savings saying it was my fault the money was taken and they cant do anything about it. Absolutely unacceptable. Why would anyone bank with an establishment that does not protect its customers? I am not living in poverty due to that money being my money for moving as I was about to move out of state.

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Screening Reports Inc.
State: TN

Complaint narrative:
I was denied for housing due to an old judgement. The judgement has been paid and is not report on any credit reports. Unsure of how they are obtaining this information. They do not answer their phone therefore I cant fix the problem

Company response to consumer: Untimely response
Consumer complaint received 2021-02-11 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

Complaint narrative:
Hello, my account has been suddenly closed by Paypal, they requested from me to provide them some documents, which i upload instantly. ( my id card, proof of adress, explanation of my transactions ) I have won quite good amount from betting, they can see clear that where the money come from into my Paypal account and after i have use the option to send to some of my friends. They have an option send to a friend or business purpose sending. I have aways choose sending to a friend, because i have never used my Paypal to sell or buy anything, I just use it as a deposit method to enter money into the betting site XXXX. ( Very famous and regulated one ) I have all the proofs from the transactions as well. 
So after i provide them all documents which they require, they have sent me email that close my account permanently and that they will hold my funds up to 180 days, which is very long period and i really need this money in that period of time. I got an answer from them which is totally weird, they say that they have to check if some of the buyers has made any complains against me, but there are not buyers and sellers in this story as i mention above. I have not selll or buy anything. Just betting and send friends. 
My account is linked to email : XXXX Thanks you for your help Best Regards XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
XXXX emailed Nissan Motor Acceptance Corporation ( NMAC ) and XXXX  referencing ac # XXXX, XXXX, XXXX and XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XX/XX/XXXX. Additionally, XXXXonsumer Financial Planning Board complaints are XXXX, XXXX, XXXX and XXXX. 

By its repeatedly demonstrated actions and refusing to email XXXX a copy of the auto lease contract, signed by XXXX XXXX XXXX, XXXX dated after XX/XX/XXXX or email XXXX the non-existence of such contract and total removal of Nissan from its credit report XXXX willingly continues to participate in Nissans fraudulent scheme. One of many of XXXX corrupt participation is its recent attached, issue deferral, communications, report # XXXX. 

XXXX in part states : if account was opened as a result of identity theft, credit grantor may not know to contact you to discuss this matter The most recent contact to both XXXX and XXXX is : Email to : XXXX, XXXX and XXXX, subject : XXXX Request : NISSAN-INFINITI lease # XXXX, XX/XX/XXXX XXXX in part stating : Attached is the XX/XX/XXXX dated letter I USPS received from XXXX XX/XX/XXXX XXXX If in fact Nissan did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit. XXXX  respectfully you have in YOUR possession the ID Theft Affidavit. To avoid increasing damages please return email that Nissan # XXXX is totally removed from my personal credit report. 

XXXX   has been repeatedly advised to request of Nissan Motor Acceptance Corporation its USPS mail dated XX/XX/XXXX in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process The existence of this XX/XX/XXXX letter has been recently learned verified by : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX TOL/TOE Good Afternoon : I received a call back from Mr. XXXX XXXX notes on the account say : RCVD TOL CONTRACTCONTRACT HAS EXPIRED 4/18/20..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*AA/AS I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to XXXX there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | NMAC XXXX XXXX Credit Report # XXXX is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: VA

Complaint narrative:
Relationship started in XX/XX/XXXX when I was offered a " teaser rate '' of 0 % until XX/XX/XXXX as their " teaser term ''. I transferred {$5300.00} plus a transfer fee of {$150.00}, In XX/XX/XXXX, my statement was never received but despite that I continued to pay at least {$300.00} far beyond the minimum required payment as I was intending to payoff entire amount by XX/XX/XXXX. Since then monthly statements came as well but never on time and exceptionally worst in XX/XX/XXXX. They then started to charge fees and adjusted the interest rate to 28.99 % which I was constantly calling to correct. Frankly, this account has been so poorly handled by this company. As a matter of fact, in XX/XX/XXXX, I was sent an incorrect statement with incorrect balances not intended for me. 
After all this wrangling, going back and forth and wasting my time, I decided to close my account after paying in full principal amount of {$2900.00}, plus some fee for {$82.00} To date, this company continues to charge me fees and counting. As of XX/XX/XXXX, they reported {$250.00}. They always claimed non-receipt of timely payments. With all this pandemic and inefficient mailing system, it is certainly not my fault!! I am also attaching several letters I sent to them

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