vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I never received the bill from the Car loan company. They never contacted 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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: AR

Complaint narrative:
On XX/XX/XXXX I remitted via USPS Priority Mail check # XXXX in the amount of {$800.00} which was to cover my XX/XX/XXXX due date for the principal and interest on {$770.00} and the extra to be applied to principal reduction. Per the USPS tracking # XXXX XXXX XXXX XXXX XXXX the payment was delivered on XX/XX/XXXX. 

I have contacted Lending Club by phone and email on XX/XX/XXXX. I also contacted them again by phone on XX/XX/XXXX and I am getting the run around regarding the whereabouts and posting of my payment. I do believe this is an intentional intent to cause harm as this company is aware that this is my second to last payment owed. However, more importantly Lending Club is aware my payment must apply soon in order to avoid a negative mark on my credit report. 

Per the lady I spoke with this morning who stated her XXXX XXXX said they have the right to hold a payment for 14 days once received this is unethical as payments are to be posted when received or in accordance with the stated payment processing schedule per their website. I would like for the payment to be posted per the guidelines and for lending club to stop stealing from consumers by holding funds which generates more interest for them to collect. I am not able to request a proper pay off amount to be remitted for the date of XX/XX/XXXX due to Lending Club 's deceptive ways in handling my payment that is in their office per the post office. I have a copy of every check and postal payment receipt ever issued to Lending club starting with my first payment that was due XX/XX/XXXX! and it has never taken them this long to apply my payments once received via USPS Priority mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC.
State: OK

Complaint narrative:
I spoke with XXXX XXXX, who stated he was the manager, today ( XX/XX/2021 ) after they contacted a colleague of mine on her work phone line. I asked how they got that information and he refused to tell me, saying the " only right I have is to pay the debt. '' He continued to say " I don't ask you what you do at your job. '' He would not provide me with any information regarding how he obtained my colleagues contact information or anything. The only thing he said was how much I owe and to what creditor. On top of that, they call multiple times per day. I told him I wanted to revoke any permission to call any contact phone number he has and only communicate in writing to my home address. To which he replied that is not my right. 

I have filed a complaint with the original creditor and am waiting to hear back from them about getting the collections activity transferred back to them. The original creditor has been sympathetic and are doing what they can to help transfer the collection activity back to them or another debt collector.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Initially, in XXXX of this year, I tried to be proactive and get help before falling behind ( separation, job circumstances ). No help was given at that time. I then fell behind and made payments as much as I could to catch up and requested from XXXX until now for an extension. 

In XXXX I was told I could receive one if I made over XXXX dollars in one month. I was not able to do so. 

I have since moved out of my apartment and into a smaller place to catch up. 


Two different departments have told me two different things as far as catching up. 

These people scream at you, don't take accountability for misinformation and threatned to reposses your car. It is so horrible to experience. 

I am so disappointed in this company and how they treat their customers. 

I've had no COVID help after almost a year of leasing to own this car.

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 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MD

Complaint narrative:
XXXX XXXX has been violating me for the past decade. I have never done business with them but they continue to report negative information to the credit agencies which is ruining my reputation and defamation of character. The correspondence is false and misleading and there are also a number of violations including harassment by mail and phone. I requested they cease and desist all collection activities but this company continues to breach my right to privacy and disregard federal laws that I am protected by as a consumer.

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 2021-11-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.

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 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX usaa closed my account locked me out so I could not withdrawals any of my funds.. they informed me based on the depository agreement they have up to XXXX days to send my money. I have called at least XXXX times and get a different answer every time it now has been XXXX days and they still havent closed my account and sent my funds to me. They never gave me a reason why they said they can close it anytime. Worst customer service nobody is helping me I havent been able to pay my XXXX bills my sons XXXX and late on all my accounts because they blocked my money {$1400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: MS

Complaint narrative:
Selene letter acknowledged my mortgage assistance application XXXX and stated it was complete. It also said I was entitled to foreclosure protection since they received my application. My house is suppose to foreclose on XXXX XXXX XXXX They have not canceled the foreclosure. I have requested it be cancel several times. I read on Consumer protection website the foreclosure sale is to be cancel while my mortgage assistance request is being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please help. I completed a cfpb dispute against XXXX XXXX as they are misreporting current 120-day delinquencies on my past mortgage from XXXX which is dropping my scores 80+ points. 

XXXX XXXX cfpb response states that the loan was transferred to JP Morgan Chase as of XX/XX/XXXX of XXXX and closed my dispute without fixing the reporting issue. 

JP Morgan Chase is not reporting to my credit report however since XXXX XXXX is saying they manage this account I guess I need to dispute this now through JPMorgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I purchased a car from XXXX - XXXX XXXX through XXXX XXXX XXXX on XX/XX/2021 for my business, Next Level XXXX XXXX XXXX. The finance manager told me that XXXX XXXX XXXX does not report to the personal credit file with a PG unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan. I called to return the car and was told that I would need to pay $ XXXX to return the car after they had already sold the car that I traded in. I explained that this was unacceptable, and if I had known this upfront, I would not have purchased the new vehicle. I also called XXXX XXXX XXXX and they are not willing to help either.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: 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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : 1 XXXX - Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I applied for a personal loan in the amount of {$4000.00} through an application they can be found on the XXXX XXXX made by a lender called Upgrade I entered all my personal information and banking information. I was approved officially for the loan after verification of bank account and identity being identical occurring on XX/XX/XXXX Saturday XXXX on XX/XX/2021 was the approval date. When I called in today XX/XX/2021 they didnt have the same bank account on file and when I called the bank they said nothing was pending deposit from the verifying creditor ( upgrade. ) So when I called them back they refused to remedy the issue and deposit the funds in the proper bank account that shows as the automatically paying bank account and the bank account on file. I never received the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
SEVERAL ERRORS ARE APPEARING ON MY CREDIT REPORT AND I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY. THESE ACCOUNTS SHOULD NOT BE 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 explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
SEVERAL ERRORS ARE APPEARING ON MY CREDIT REPORT AND I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY. THESE ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
A couple months ago, I got a notification from XXXX XXXX  that I had a new inquiry on my credit file. 

I didn't recognize it, and later learned that it had to do with the " Apple Card '' in which I was positive I never inquired about as I do not and have never owned XXXX devices which I. Also learned is a " prerequisite '' to obtain and use the apple card. 

So I called GS Bank/Apple Card directly, and they were very helpful. 

As a result my " account '' with this company was infact deleted. However the inquiry is still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase account was not accessible. XXXX XXXX. I was told over the phone by Coinbase call center person in XXXX to reopen a new account and my funds will be deposited into my new account within XXXX. On XXXX XXXX I received {$0.00}. I had to lock my new account several times to speak with a live person. I then filed a complaint and was told they respond within a few days. I received an email on XXXX XXXX that my account was hacked and they will not be able to germ my funds back. If my account was hacked why did they not tell me this on XXXX XXXX that I dont have any funds or I was withdrawing funds from my account. I did not give anyone my personal information. I have all my bank statements deposit to coinbase and also the copy of the deposit that came fro. Coinbase for {$0.00} amount dated XX/XX/2021. They want me to file a police report and give me the IP address thats in XXXX CA. I never been to XXXX CA or was anywhere to XXXX CA on XXXX XXXX. My phone was working fine on XX/XX/XXXX so I dont understand how my phone was hacked and how they have my ID and took a selfie of my face to reset the password with XXXX factor authentication does not make since. I have lost a lot of money. I also contacted XXXX and they told me file with CFPB because I dont think I am only going through this situation I believe we more people. I checked on XXXX and there are more people having similar situations,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of Identity Theft on XX/XX/2021 I have submitted my Federal Trade Commission report to all three major Bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a victim of Identity Theft due to the EQUIFAX XXXX BREACH. As a result, this caused a lot of XXXX  to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Social Finance, Inc.
State: CO

Complaint narrative:
On XX/XX/2021, I received an inquiry from XXXX that I had a new inquiry on my report and subsequently later a new account was added to my report. 

The inquiry and account was from " XXXX XXXX XXXX XXXX' which I had never heard of at the time. 

So I called them and explained everything and agreed this seemed like some type of identity theft, and that they would remove the account. 

At this point it seems that they have indeed removed the account, however I'm still seeing " XXXX CXXXX XXXX XXXX as a hard inquiry on my XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2021 POSTED NOTARIZED CRIMINAL COMPLAINT REGIONAL XXXXER XXXX XXXX, CRIMINAL USE OF XXXX AND CHASE BANKS, XXXX, XXXX AND XXXX, FOR XXXX USC SECTION XXXX XXXX AGAINST RIGHTS, INFLICTED FINANCIAL XXXX AS PRECURSOR FOR HIS XXXX US CODE XXXX XXXX TO XXXX PROGRAMS XXXX XXXX XXXXXXXX OR XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation