vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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: NJ

Complaint narrative:
There are late payments reporting on my report that are extremely inaccurate for my auto loan. I did not make late payments over 30 days past due from XXXX to XX/XX/2020 I have attached proof so that these payments can be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Inquiries were made to my credit report with all three credit reporting agencies on XX/XX/20, XX/XX/20, and XX/XX/20 for what appears to be the purpose of a credit application with Cabelas for a Capital One credit card. My credit report has been frozen with all three agencies at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have Chase Southwest Rapid Rewards Credit Card. While checking my statement on-line, I saw an offer to get {$500.00} bonus if I opened the checking and savings account with Chase Bank, set-up the direct deposit and fund the savings account with {$15000.00}. I have opened the account online on XX/XX/XXXX, linked my external XXXX savings account and funded my checking account with {$1500.00} and the savings account with {$15000.00}. Immediately after this, my on-line access to chase.com was blocked. I have called the number indicated online to confirm my transactions and the account was unlocked. Several days later I have notice that my savings account was not funded and I attempted to fund it again with my external XXXX savings account. The online account access was locked again. After I called, I was told that the bank has decided to terminate their relationship with me and close all my accounts. They would not tell me the reason and would not reinstate my access to the credit card. The problem is that I am out of {$1500.00} that i used to fund my checking account and I don't have on-line access to track my credit card account. I have attempted to call Chase again and they would not discuss the reasons or allow me to access my credit card account. I am US citizen, a XXXX XXXX XXXX who passed number of background checks. I believe the only reason they are doing this is because I have a foreign name and speak with an accent. There are laws prohibiting financial institutions to discriminate based against national origin or ethnicity and it also appears to be an unfair and deceptive practice to advertise product and service and not to deliver them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, JPMCB - AUTO FINANCE add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 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: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, CITIZENS ONE AUTO FINANCE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX  - XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days for request of a complete investigation. So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this bureau about this unverified collection accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: MA

Complaint narrative:
Experian closed the dispute stating that my report remains unchanged after their reinvestigation, yet I have a letter from the creditor that supports my position and can not update the dispute. XXXX XXXX 's letter is counter to Experian 's findings, and so Experian should update the dispute and fix 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 explanation
Consumer complaint received 2020-11-30 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: Prosper Marketplace, Inc.
State: CO

Complaint narrative:
Creditor - Prosper Personal Loans Cares Act Reporting - 30 days late reported XX/XX/XXXX Action - My loan account was placed on Cease and Desist, I did not ask them not to contact me or authorize this order. 

I currently have an installment loan with Prosper. As of XX/XX/XXXX I lost my second full time job because of lack of work due to the COVID 19 pandemic. The circumstances caused an overwhelming elevation of stress of covering two mortgages, utilities and other misc bills that had to be paid. 

In the past I had received reminders via email and phone calls ( on my cell XXXX ) from Prosper for upcoming payments. I grew more concerned because I realized I missed the due date. I confirmed my contact information with them during this particular call. The phone number they had on file for me was XXXX, I had this number 14 years prior. I asked why hadn't they called the number listed on my application or e-mail address? 

'Upon speaking with a Prosper representative and they said my account was on a Cease & Desist order. I explained I did not give them notice to cease or desist. They chose update my account status due to a rude representative I spoke with in XX/XX/XXXX or XX/XX/XXXX, unbeknownst to me. I did not ask for a Cease and Desist order. 

I asked them to remove that order and it is alright for them to contact me in the future. I also asked if there is anyway I can have the 30 day mark removed and I explained the circumstances that led to this occurrence. I then disputed with Prosper internally and gave my employer number to verify job loss and date. The employer used my vacation hours to exhaust the remaining PTO. 

I have since then cured the past due balance as they have been unwilling to help me this one time. I also hired a third party agency to intervene. I feel bad because I had never been 30 days late and this truly hurt me. As a consumer I due depend on the reminders and I understand I should have been more responsible. I was severely impacted and events leading up to the 44 % income loss made things almost unbearable. 

Prosper did not volunteer any forbearance opportunities, I had to ask if I could skip a payment and other options etc. They were not helpful during the initial Cares Act non-reporting period beginning on XXXX. And to date I believe my account status remains as DO NOT CALL.

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 2020-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/13 I contacted a supposed golden doodle dog breeder that had both an XXXX and XXXX page. I inquired about a puppy and they told me they had some. They asked for XXXX but to send a XXXX dollar deposit. They asked me questions and had me fill out questions about myself ( my address, phone, email, etc ). They asked me to send the deposit via PayPal as friends and families because that way I paid the fee and not them. I was told they would meet me in XXXX Ohio with my new pup. I sent the money through PayPal and I quickly learned after that I was scammed. There are no puppies. The sites are fake. The address they gave me is a home that belongs to a woman in Oklahoma who has filed numverous complaints because ppl keep showing up at her house demanding dogs. I have proof of all of this. I reported it to the FTC. PayPal refuses to refund me. They sent me a message to get the money from XXXX  XXXX XXXX my bank. XXXX  XXXX XXXX denied my claim because they said to take it up with PayPal. PayPal refuses to protect me. They say I sent it to a friend or family .... I absolutely did not. 
The fake breeder is under XXXX on XXXX and under XXXX XXXX XXXX on XXXX. They took XXXX dollars from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
XXXX, XXXX  and XXXX  are showing accounts on my credit report that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: OH

Complaint narrative:
I have a account listed on my credit report that is not accurate from OHIO DEPT OF HUMAN SERVICES # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review. I never received any response back for an account from XXXX XXXX XXXX # XXXX I have never ever done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: OH

Complaint narrative:
I have a account listed on my credit report that is not accurate from OHIO DEPT OF HUMAN SERVICES # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review. I never received any response back for an account from XXXX XXXX XXXX # XXXX I have never ever done business with this 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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is constantly saying that I need to verify my address. 
I have already verified it twice. I am trying to dispute items on my credit report, both by mail and on the phone, and I believe they are deliberately making it difficult for me. 
They also would not allow me to use item numbers to verify my claims, and made me dig up the report number of my credit report just to proceed on the phone. It is not a matter of security when I have to verify my address by mail over and over. 
I mailed a dispute letter certified, and it was delivered on XX/XX/XXXX, yet they claim they have not received it. I can prove it. 
I believe they are trying to stall me and waste even more of my time.

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 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
In XX/XX/2020, I used Chrysler Capital 's online checking account payment platform to pay my monthly balance. I accidently did not include one of the zeros at the beginning of the account number. The payment was rejected and I was immediately assessed a XXXX $ fee. On XXXX I called Chrysler capital to ask about the fee, and explained that I has simply missed a zero. I could not believe that missing a digit in an online payment box would instantly result in a XXXX $ fee ( the fee assessed for bounced checks, etc ). I could not understand why the online platform marketed as 'PAY WITH CHECKING OR SAVINGS it's fast, easy and FREE! ' would be so quick to assess a fee. 

In any case, to keep my account current, I paid both the payment balance and the fee, but I expected that the fee would be reimbursed, based on my conversation with customer support on XXXX. 

When I checked later on XXXX, I was told that the fee could not be returned because it was already paid, and because it was 'in the contract ' that payments that did not go through were to be assessed a XXXX $ fee. Nevertheless, I explained my dismay and a customer service agent promised to elevate the problem again. 


On XXXX I called Chrysler capital again to complain about the fee and was told that it was denied because it had already been paid. 

I have asked repeatedly for more information on the fee, and was always told that it was 'in the contract '. I asked for specification on where it was in the contract, and never received any additional information. 

In any case, I view this fee as extremely unfair, and that the payment system was set up to solicit mistaken entries and assess fees. I would encourage people to avoid chrysler capital. 

I was promised that the fee would be

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good Afternoon. This complaint is regarding report number XXXX that was opened today over the phone by a XXXX or XXXX that I spoke with in the Consumer Finance Department of Experian. XXXX refused to block the XXXX XXXX XXXX that is showing up on my report due to Identity Theft. She stated that my Police Report was not a real report. I called XXXX County Police Department and spoke with an XXXX at XXXX. He stated that my police report is a very real report. He stated that just because it was filed online, doesn't mean anything. He stated that it is just like me coming into the station or an officer coming to my home. He also stated that they are doing all reports of identity theft online or over the phone due to Covid-19 to limit exposure. He also told me that Experian is going against the law by not accepting my report because it is a very real report. He stated that it makes no sense to duplicate the report because again it is a real report. He stated if anyone questions the authenticity of the report they can always call to verify the report number. He told me to consult with an attorney, which I have, and stated that I have options if Experian refuses to cooperate and use the Police Report that I have submitted numerous times. 

I need this issue escalated to a supervisor asap. I have spent so much time on this. It took me calling in, after filing 3 complaints, for this issue to even be looked at and I am not pleased with this issue at all. 

I need the account XXXX XXXX XXXX removed and blocked from my report asap. 

Also, this is a very real report and I am a very real person. I, XXXX XXXX XXXX is filing this complaint. This is a real and legitimate complaint. I called and spoke with XXXX or XXXX this morning XX/XX/2020 and you can pull the call to verify that.

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 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused my a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
XX/XX/XXXX Navient pursued me to refinance my current loans with them in order to receive better loan services. They stated that this would not effect my ability to ask for the public service loan forgiveness program. As the years passed I inquired about how many payments have qualified for this program and began working with the XXXX  XXXX XXXX  agency as of XX/XX/XXXX. The XXXX  XXXX XXXX  agency stated that none of my payments would qualify before XX/XX/XXXX due to Navient putting me in the wrong repayment program. I have thirteen years of public services and had over 120 payments but due to Navient 's lack of ethic they placed me in the wrong program and now I do not benefit from the payments I made. I am asking for the payments before XXXX to be counted in my total of 120 payments to attempt to qualify for the public loan forgiveness program which I have already been accepted due to my job and service. I am just wanting the payments to qualify that i have already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are late payments reporting on my report that are extremely inaccurate for my auto loan. I did not make late payments over 30 days past due from XXXX to XXXX of 2020 I have attached proof so that these payments can be corrected.

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 2020-11-30 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: NJ

Complaint narrative:
There are late payments reporting on my report that are extremely inaccurate for my auto loan. I did not make late payments over 30 days past due from XXXX to XXXX of 2020 I have attached proof so that these payments can be corrected.

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 2020-11-30 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX, XXXX and XXXX are showing accounts on my credit report that don't belong to me.

Company response to consumer: Closed with explanation