vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 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: MS

Complaint narrative:
The credit report I received from Experian has the wrong name an information.

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 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I went to a shop to get my car repaired. I used my chase debit card to pay for the {$200.00} repairs. The mechanic did not repair my car buy did more damage to my car. 

I wanted to get replacement brake pads and the mechanic messed up my power steering rack and pinion making my car very dangerous to drive as my steering wheel rack and pinion was un steerable. 

I called chase bank on XX/XX/XXXX and filled a dispute claim. Chase granted me provisional credit of {$200.00}.

After 90 days chase back sent me a email stating that I owe the them {$200.00}.

Chase claims that I did make the transaction, Yes I did make the transaction for my car to be repaired correctly and not for my car to be Sabotaged.

Chase is in the wrong for not protecting me as a customer.

I do not owe chase and will not pay chase my {$200.00} of which was stolen from me by way of a untrustworthy crooked mechanic who was out to destroy my car.

Chase needs to be under severe investigation for not following the guidelines of customer financial protection.

Chase was against me as a customer in regards to my {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED/XXXX., US DEPT. OF EDUCATION, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXXXXXX, XXXX XXXX XXXX. have all violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
so back XXXX had problems with the paying the bill because of the corona virus because of my job cutting back my hours. I made arrangements with and caught up my payment s on both of my accounts ending in XXXX XXXX I had some problems starting in XXXX with the corona virus and I could nt make my min payment in XXXX on both of accounts I know I had some waivers on my account in the past but these 2 were def due to corona virus and none of the customer wants to help get those removed saying I have already had waiver s in the past and another I talked to them on the XXXX caught up my account they told me I wouldn't have to make another payment its still shows on both accounts that a minimum is due I want the late fees. Your customer service is like robots with the power to do nothing I want my late fees  for XXXX waived these late fees on both accounts due to corona virus but none of your reps wan na listen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On or about XX/XX/XXXX, I received an e-mail from TransUnion stating my credit monitoring product, that I have had with TransUnion for almost 15 years, had been cancelled. I immediately phoned TransUnion and told them that there must have been some mistake because I NEVER cancelled my product and my payment method was still valid. The TU representative told me there was nothing that could be done and I would have to subscribe again when the credit monitoring actually cancelled effective on my XX/XX/XXXX billing date. Upon re-subscription, I was told, my new price would be {$29.00} and not the {$14.00} I currently paid. 

On XX/XX/XXXX I again phoned TU and spoke to a manager. I was told there was nothing they could do to reverse the erroneous  cancellation. I would have to re-subscribe at the then current rate which would likely be much higher as I would be considered a new subscriber and not grandfathered into my old rate for long-time customers. 

After my product was actually cancelled on XX/XX/XXXX and until today I have tried to re-subscribe and TU refuses to allow me to subscribe to their credit monitoring product. I continually get asked for a " Gift Card Code '' which does not and has never existed. Without a gift card code, the system will not let my subscription application process. 

I have since tried to reach TU by telephone, but no matter what time I call they have a recording stating that their offices and customer service is closed.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I spent two complete days trying to reach Way2go about my Oklahoma Unemployment debit card that was sent to the wrong address. When I finally got someone on the phone, they canceled the initial card after telling me that the funds were on the account and intact. When I asked for a replacement to be sent to me, I was told I had to call the unemployment office again and ask them for help. It is nearly impossible to get through to the Oklahoma Unemployment office now days. I tired all day today with no results. I do not see why the Way2go mastercard defused to send m a replacement even after they verified my identity. 
May name is XXXX XXXX and my OK unemployment claim number is XXXX I am trying my best to resolve this issue before I get evicted from my home and lose my car. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020 There was a unaurothroized transaction on my paypal account in the amount of {$10.00}. 
Paypal allowed this transaction without my Arthurization. 

I called paypal to dispute the charge. 
Paypal gave me provisional credit then took my {$10.00} back. 

I then requested for paypal to send me another paypal business debit card on XX/XX/2020. 

Paypal said they have sent the card by mail of which I have not received yet and paypal has been lying to be about mailing out my paypal business debit card. 

This month XXXX Paypal sends me a email stating that they need to verify my home address of which my home address has been verified since XX/XX/2020. 

I have money in my paypal account and paypal will not release my money to be by check nor let me add my new bank account on their website. 

Paypal has locked my money away from me and I am severely upset with paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Lender Inc
State: NH

Complaint narrative:
I used SELF to build my credit and before it was due or posted on my credit report I had to cancel due to hardship of the Covid-19 virus and was told it wouldn't effect my score and within a matter of days the it did and my score went down. I am so upset by this and can not reach them anymore or they just don't respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC
State: IL

Complaint narrative:
Hello I applied to refinance my home on XX/XX/XXXX with Finance of America. 
I have all the emails to provide showing all documents being requested from me that I provided and correspondence back and forth confirming closing set for XX/XX/XXXX which was today. 
My appraisal came back worth {$420000.00} I owe XXXX so I was refinancing and including all debts to consolidate for a total loan value of XXXX. 
I have gone back and forth with them acting as Im approved then would get hit from underwriting over and over. 
I will provide all communications reflecting the issues I would like to get help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
My credit balance was reduced from XXXX dollars to XXXX dollars without notice. This has dropped by credit score. I reached out to the company in order to reverse this and they told me they will not be able to do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
There is a fraudulent Capital One credit card that still appears on my account. I repeatedly told Capital One that this credit card is not mine and fraudulent charges were made to it. Capital One did nothing, absolutely nothing, to help me. THIS FALSELY ALLEGED DEBT IS OVER SEVEN YEARS OLD AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND ITS IMMEDIATE REMOVAL FROM ALL OF MY CREDIT REPORTS ASAP. I will never work with Capital One again and will warn all others to stay away from this predatory lender. I will tell my story to everyone to discourage them from getting any financing or banking with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.have all violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 


My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.

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 2020-04-14 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Syncb / Car Care XXXX continuously report inaccurate information to the credit bureaus for a credit card that I am joint owner on. I have disputed this account with all three credit bureaus, and while two of the three bureaus deleted the account from my report, XXXX  continue to report this inaccurate  information. I disputed this account twice with XXXX, and they failed to do their due diligence to ensure the legitimacy of the information reported. They reported back that the information is accurate as report, but that is NOT true! 

According to XXXX  and Synchrony, 60 % of the payments were 30-59 days past due with the first past due payment being reported in XX/XX/XXXX. The account was opened in XX/XX/XXXX. The card was charged in XX/XX/XXXX. The first bill was due in XX/XX/XXXX. Someone please explain to me how the account could be 30-59 days past due on the first bill? 

Below is a payment history the life of the card ( bank statements verification available upon request ) : XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$440.00} XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$200.00} As you can see, regular monthly payments have been made since this account was opened ; however, XXXX  shows the account was 30-59 days delinquent in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Likewise, as of today, XX/XX/XXXX, Transunion shows the account is currently 30 days past due. Needless to say, that is inaccurate! 

The joint owner on the card called Synchrony repeatedly for failure to apply payments to the account. When this first came to my attention the account was reporting to the credit bureaus as being over 90 days delinquent. After calling the company, it was discovered they were not applying the payments correctly, although the funds were being drafted from our bank account. 

Both XXXX  and Syncb/XXXX  are providing false information that is having a negative impact to my credit score. I have tried to resolve this with both Synchrony and XXXX  but have not gotten anywhere with either company. The joint owner on this account was successful with getting the account updated with XXXX ; however, they refuse to update mine. This is unacceptable!

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 2020-04-14 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: FL

Complaint narrative:
For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FCRA.

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 2020-04-14 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: EQUIFAX, INC.
State: CO

Complaint narrative:
There is a fraudulent XXXX XXXX credit card that still appears on my account. I repeatedly told XXXX XXXX that this credit card is not mine and fraudulent charges were made to it. XXXX XXXX did nothing, absolutely nothing, to help me. THIS FALSELY ALLEGED DEBT IS OVER SEVEN YEARS OLD AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND ITS IMMEDIATE REMOVAL FROM ALL OF MY CREDIT REPORTS ASAP. I will never work with XXXX XXXX again and will warn all others to stay away from this predatory lender. I will tell my story to everyone to discourage them from getting any financing or banking with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There is a fraudulent XXXX XXXX credit card that still appears on my account. I repeatedly told XXXX XXXX that this credit card is not mine and fraudulent charges were made to it. XXXX XXXX did nothing, absolutely nothing, to help me. THIS FALSELY ALLEGED DEBT IS OVER SEVEN YEARS OLD AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND ITS IMMEDIATE REMOVAL FROM ALL OF MY CREDIT REPORTS ASAP. I will never work with XXXX XXXX again and will warn all others to stay away from this predatory lender. I will tell my story to everyone to discourage them from getting any financing or banking with XXXX 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 non-monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX CFPB XXXX USAA Indicates I COMITTED A CRIME REPORTING RETURNED ITEM AS FRAUD XXXX XXXX {$120.00}. See attatched XX/XX/XXXX statementt XXXX XXXX {$120.00} was paid by merchant BALANCE AFTER XXXX XXXX IS SUBTRACTED IS THE {$470.00} I REPORTED AS FRAUD AND NO IT DOES NOT INCLUDE THE XXXX XXXX. USAA REPORTED THIS TO CRAs and CFBB. AND REFUSES TO CREDIT WITH THE PERMANET CREDITS I WAS DESERVED XXXX. I HAVE BEEN HELD LIABLE FOR THIS FRAUD SINCE XX/XX/XXXX. Furthermore See attatched FRAUD CLAIMLETTER XX/XX/XXXX claim date XX/XX/XXXX {$470.00}. Confirming Temporary credits were made Permanet. See attatched XX/XX/XXXX statement. THERE ARE NO TEMPORARY CREDITS TO REMAIN PERMANET. This took a year to complete the investigation. USAA HAS SLANDERED MY GOOD NAME. AND DID NOT MAKE PERMANET CREDITS OF {$470.00} IN XXXX. I DEMAND USAA CLEAR MY NAME *** USAA READ YOUR OWN TRUTH IN LENDING STATEMENT. XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: VA

Complaint narrative:
I have disputed this account several times and the credit bureaus aren't abiding by the Fair Credit Reporting Act rules. Payments on my XXXX account were never late. It's impossible to go from current to 90 days late in less than a month. Yet they're continuing to report false information on my credit report. Experian and XXXX  needs to update my payment history correctly as never late and on time for XXXX and 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 2020-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I previously sent a debt validation letter to Caine & Weiner Company regarding an illegally inserted debt the company is reporting on my credit profile. They never replied to my request for validation and still continue to report said debt to the bureaus. I do not have a debt owed to Caine & Weiner Company Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: MN

Complaint narrative:
My payroll direct deposit was sent to my Netspend Skylight One payroll checking account but because the transfer amount exceeded their limit, they insisted that I furnish a letter from my payroll dept indicating proof of deposit by XXXX or they would reject the transfer and hold my funds for 6 days. It was sent 4 times by my employer throughout the day and 4 times by me. They claimed to only have received at XXXX and indicated everything was good and that the funds would be released within 4-6 hours. 4 hours later I got an email that they rejected my transfer and that it wouldnt go back to my employer for 6 days. I called 18 times throughout the day and only TWICE was I actually connected to a rep. Once at XXXX and once at XXXX. Every time I would call, the automated system would tell me to try back later. My wife is not working and we need this money to pay bills or we will have late fees. Netspend creates obstacles that were impossible to overcome and will now hold my entire paycheck until the middle of next week. They told me I had until XXXX XXXX  CST to call and get this resolved ( letter was sent at XXXX CST ) however they stop taking calls at 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