vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
Fraudulent transactions were processed on my card in XXXX and BBVA still has not reversed them appropriately. I have now spent over 5 hours on attempting to resolve the issue and had 6 points of contact with BBVA personnel to no avail. This rollercoaster has included BBVA crediting and debiting my account numerous times, refunding the wrong amounts due to foreign currency exchange rates, sending me a letter that said they determined that some of the charges were authorized by me, sending me another letter stating that they determined all transactions to be fradulent but that they already refunded it ( false! ), not following up on promises to contact me, their online portal not allowing payment of my credit card balance, etc. Refer to a detailed description of the events transpiring since the transactions occured in the attached PDF. In addition to the PDF, refer to attached XXXX extract of the credit card transactions ( supplemented as necessary by screenprints throughout ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Purchased home warranty from XXXX XXXX with Chase credit card that I have owned for years. I use the card trusting if the good or services were not delivered, the company will protect me and stand behind their protection policy. Purchased was charged on XX/XX/2020 for XXXX. When it came to use the home warranty XXXX XXXX refused to do any repairs. They gave me the run around and kept coming up with excuses. I tried to resolved the problem multiple times. They promised will follow up and/or compensate for the item since they could not repair but never heard from them again and again. I disputed the charge with Chase. They took the information on the phone. Then again I explained the exact problem on the paper work they sent. All I have received is an update that says they found no " billing error ''! The dispute was never about billing error and was thoroughly explained on the phone and in writing. It seem like Chase does not want to pursue the dispute. When I use the their credit card as I have for years, I trust when this type of service and protection help needed, they will step in and resolve the problem. It's very disappointing that when the help is needed they refuse to take action. What is the use of all these benefits they advertise to get you to used the card then?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: IL

Complaint narrative:
I have filled a dispute in regards to the incorrect and inaccurate items that was reported on my credit report. I haven't had any response of some sort of result on some of my disputes. My first letter to the three major credit bureaus was on XX/XX/2021 and my second letter to dispute these inaccurate items was on XX/XX/2021. The balance amounts of these accounts are {$520.00}, {$290.00}, and {$390.00}.

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 2021-05-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have filled a dispute in regards to the incorrect and inaccurate items that was reported on my credit report. I haven't had any response of some sort of result on some of my disputes. My first letter to the three major credit bureaus was on XX/XX/2021 and my second letter to dispute these inaccurate items was on XX/XX/2021. The balance amounts of these accounts are {$520.00}, {$290.00}, and {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX deposited my brother stimulus check with his knowledge & the bank freezes my account without notice while I was out of town ... after taking my brother to try & rectify the situation..the bank proceeds to tell me that it will continue to he frozen because I recieved SBA loan & to forward 4yrs of my income tax that clearly shows I have been paying taxes on my small business.After weeks of not even a email.. & me calling everyday..not getting clear answers to WHY.. I'm told that XXXX will be returned to government..My small business loan was only XXXXno explanation, notice, letter. 
NOTHING from the bank on where or who recieve this the money..I contacted SBA & they say my loan had no issues & they have not receive the money.My paychecks where also withheld & I haven't been able to pay bills, or access my any money that was left. This has been a complete nightmare & I don't see no way out or who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: OH

Complaint narrative:
On XX/XX/2021 I disputed an alleged debt on my credit report thru equifax from the debt collector agency XXXX XXXX XXXX XXXX in the amount XXXX dollars. The dispute was said completed on XX/XX/2021. The completion of the dispute resulted in meeting compliance with FDCPA 15 USC 1692 and the account was closed which it should have been removed per my request. Days later the same disputed alleged debt was reported back on my equifax consumer credit report. I was not notified in writing within a 5 day period that said alleged debt would be reported back in to my credit report by Equifax. This is a violation of my consumer rights in accordance with 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: PA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
14 open reports for loans. Tried to get consolidated into showing one or 2 open accounts. Can not seem to do it. Also campus at coldwater, Michigan is no longer there. 
Never was told XXXX was a private college which meant qould have to take out subsidized and unsubsidized to cover tuition and books that pell grant wasn't big enough to cover. 
Books were as high as XXXX dollars and when semester would end the student bookstore wouldn't take nine tenths of them- claiming outdated or would give u XXXX to XXXX dollars Never notified me of coldwater branch of XXXX campus closing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-05-28 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I purchased {$2000.00} SHIBA and {$1000.00} ETH  with a verified bank card, and then I sent the ETH  to another wallet, and then my account was restricted. I tried to contact the customer representative and they asked I wrote my name, date and the name of their company on the white paper, and uploaded the selfie photo with this white paper for verification. I uploaded these files according to their requirements! But 11 days have passed, and there is still no solution, just answer that I am still under review, let me wait patiently! I can only watch my funds fall from {$3000.00} to {$1700.00}. But I cant do anything, nor can I sell! I am unwilling to bear these losses because I purchased it with a bank card that has been verified by 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
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Capital Link Management, LLC
State: IL

Complaint narrative:
Capital link management called at XXXX. Upon realizing the time they hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed the inquiries via internet to all 3 bureaus and Im. It getting any where this inquiries were not made by me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed the inquiries via internet to all 3 bureaus and Im. It getting any where this inquiries were not made by me at all

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 2021-05-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed the inquiries via internet to all 3 bureaus and Im. It getting any where this inquiries were not made by me at all

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 2021-05-28 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. JPMCB - AUTO FINANCE on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX CR SVC on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
14 open reports for loans. Tried to get consolidated into showing one or 2 open accounts. Can not seem to do it. Also campus at coldwater, Michigan is no longer there. 
Never was told XXXX was a private college which meant qould have to take out subsidized and unsubsidized to cover tuition and books that pell grant wasn't big enough to cover. 
Books were as high as XXXX dollars and when semester would end the student bookstore wouldn't take nine tenths of them- claiming outdated or would give u XXXX to XXXX dollars Never notified me of coldwater branch of XXXX campus closing

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 2021-05-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
Complaint- SLANDER OF CERTIFICATE TITLE No 804-396 Recorded with Hawaii Bereau of Conveyance by XXXX XXXX XXXX XXXX XXXX 

XX/XX/2014 MERS ELECTRONIC REGISTRATION SYSTEM INC AS NOMINEE FOR XXXX XXXX XXXX the owner and holder of the Mortgage acknowledged the mortgage satisfaction and release of lien of my indebtedness. 

XXXX MERS Recorded the release as Doc No XXXX XXXX XXXX for Cert title # XXXX. 

XX/XX/2014 - XXXX XXXX recorded its Release as Doc No XXXX XXXX for Cert title XXXX. Four years later XXXX The same XXXX recorded a LP. LIS PENDENS against my property. as Doc No XXXX XXXX Attached are copies from XXXX XXXX XXXX now Recorded with Hawaii Bereau of Conveyance. 
I'd like to know if this is normal legal practice for a bank to file a lawsuit that it never intended to persue just so it can Cloud my title with this LP and more so after itself recorded a Released over a period of years back. 
This is davestated, and I truly want to know what is the LP for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In mid-XXXX  I received a " Mortgage Guaranty Insurance Pricing Notice '' with concerning information ( the notice cited 'key factors adversely affecting my credit score ' as " level of delinquency on accounts '', " too many inquiries last 12 months '', " time since delinquency is too recent or unknown ''. ) This was concerning to me as the only major purchase I have made in at least the past 2 1/2 years has been the purchase of my house- and I am not aware of delinquencies on any of my accounts. I am concerned that the information being reported may be the result of identity theft, or errors on behalf of the reporting agency. 
The noticed states " You have a right under this Act ( Fair Credit Reporting ) to obtain a free copy of your credit report by requesting it from the consumer reporting agency identified below within 60 days after receipt of this notice. You also have the right to dispute the accuracy or completeness of any information in that credit report by contacting the consumer reporting agency. '' The consumer reporting agency was identified as Equifax Mortgage Solutions. I have contacted this agency twice. Representatives first refused to provide the report, and then attempted to force me to pay for it. The report is guaranteed to be free by the Fair Credit Reporting Act. After an excessive amount of time and debate, a representative stated that a copy of the report would be sent out without charge- to an old apartment ( this conversation occurred XX/XX/2021 at XXXX ). I agreed that the report could be sent to my old apartment as my lease for the property was still active. However, I never received the report that was supposed to be sent to that address : I have not been able to obtain any reports. My request is simple : to obtain a free copy of my credit report as promised in the Fair Credit Reporting Act. 
Attempting to resolve this issue with Equifax Mortgage Solutions has been exasperating : throughout the process their representatives have been unhelpful, argumentative, and unpleasant.

Company response to consumer: Closed with explanation