vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
FARI collections is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid the debt off. I never received any phone calls or collection letters or notices about this debt. I'm sure this violates my 30 day right to dispute.

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 2020-09-09 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: MI

Complaint narrative:
XXXX, XXXX, TRANSUNION all Credit Reporting Agencies there is an age out account on my credit report ending in # XXXX. The account owner is XXXX XXXX. In XXXX the account was closed in good status and fell off my credit reports because statue of limitations. Here comes your client XXXX XXXX XXXX bringing back the same account in the name of XXXX XXXX with a new Reporting.Date of XX/XX/XXXX against the FCRA. 
I am sending you my billing statement with XXXX XXXX  with account ending in XXXX which use to appear on my credit report in XXXX but aged out. Remove the age out account XXXX from 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 2020-09-09 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: MI

Complaint narrative:
XXXX, Equifax, XXXX  all Credit Reporting Agencies there is an age out account on my credit report ending in # XXXX. The account owner is XXXX XXXX. In XXXX the account was closed in good status and fell off my credit reports because statue of limitations. Here comes your client XXXX XXXX XXXX bringing back the same account in the name of XXXX XXXX  with a new Reporting.Date of XX/XX/XXXX against the FCRA. 
I am sending you my billing statement with XXXX XXXX with account ending in XXXX which use to appear on my credit report in XXXX but aged out. Remove the age out account XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect never provided the following documents : 1.procollect did not provide documents that they own this account. 2.they did not provide proof that they have the right to collect this debt in my state. 3.proof that procollect carries a bond. 4.proof on how they assessed the outstanding debt. 5.payment history from the original creditor. 6.copy of contract bearing my authentic signature.

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 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My XXXX  XXXX was taken Friday XXXX, XXXX at XXXX which i perceived at that time as stolen so i called the police to the scene of the incident. After taking my information and running it thru the system i was told that my vehicle was repossessed. It was the weekend, i instantly called my load provider jp mortgage chase. They then verified that my car was in fact repossessed, this was the first time i was notified that my account was delinquent and that why my car was repossessed. JP mortgage chase also informed me of the company ( commercial services phone number ( XXXX ) XXXX ) who is in posstion on my XXXX  XXXX. I called commercial services ( repo company ) and they informed me what was needed to be done to retrieve my vehicle. I then called chase auto to correct the problem i spoke to multiple different associates XXXX  ( unique id  XXXX ) ( XXXX id # XXXX ) and XXXX ( XXXX ) XXXX XXXX the supervisor of my case, she told me that multiple attempts were made to reach out however no contact was made to me and I never received any correspondence. XXXX also told me i would have to pay the loan in full total XXXX in order to retrieve the car from the repo company. I Also call chase to rectify why the payment weren't going threw, and was told that the payments were indeed going to the payee listed. This information was given repeatedly XX/XX/XXXX XXXX regarding the payments being sent out. On XX/XX/2020 I was advise by XXXX a chase represtentive to cancel all recurring payments at this time due to the ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: NJ

Complaint narrative:
inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got 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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Filed complaint against capital one/Walmart on XX/XX/XXXX.the complaint id number is XXXX.requested a copy of the authentic signature of original contract and it was not provided.instead they opened a fraud investigation and I did not ask for a fraud investigation.applicable federal and state laws states that if requested documents not available that account has to be deleted off the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got 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 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I recently received an SBA LOAN which was deposited in my checking account. Shortly after the deposit, I received an email stating that my personal checking account could not be used for business. The electronic disclosure stated I had 60 days to transfer my funds out of my account. Two days after I received this electronic disclosure my checking account was frozen. I was unable to access my account so I contacted their customer service number so as to find out what was going on. Upon contacting Customer Service I was told that they need information to confirm that I was the intended recipient of the loan so they requested a copy of my SBA Loan Agreement, EIN Letter from the IRS, Driver License, Utility Bill, and Social Security Card. I provided a copy of everything requested only to be told that my social security number could not be verified nor my loan. I asked what was needed and they requested the same items I submitted last Wednesday. Today 7 days later I submitted the same documentation and I was told by XXXX in their security department he saw multiple social security numbers to which I stated I only had one the one which I provided. He stated he would need to call some of the former secret service agents which he knows so they can reach out to some people in XXXX. This is the most discriminatory process I have ever been involved with.

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 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MD

Complaint narrative:
i made a purchase through XXXXXXXX for an item the website turned out to be a big fraud the person sent out two tracking numbers 1 from XXXX and another one that was sent to my area but not to my address with XXXX as long as the item shows its in your area then they will automatically deny your case. 

First tracking number XXXX Second Tracking number XXXX XXXX purchased an item from XXXX XXXX  but the website is a scam they never delivered my item and they give two tracking numbers. 
i purchased an XXXX but right after i purchased i instantly found out this website was a complete scam seen articles on XXXX and on the XXXX   website on a lot of people getting scammed by this company purchase amount {$99.00} order date XX/XX/20 Transaction ID XXXX This scammer provided two tracking number 1 from XXXX that was sent to his actual location in XXXX, AL and another tracking after you open a dispute on XXXX from XXXX that he sent to my area but not to my actual address on purpose because everybody know with XXXX as long as the tracking shows your location they will automatically decline your case and XXXX will not send proof of delivery to your email since its not your package. 

then did a dispute with bank chime and they also denied my case without doing a proper investigation and they also denied my appeal with proof of XXXX also stating finally that it was delivered to a different address and a different person name on the package

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Convergent Resources, Inc.
State: IN

Complaint narrative:
This account was paid and was never deleted from 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 2020-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: TX

Complaint narrative:
On multiple occasions the Earnin payday loan company has withdrawn money from my account ahead of my pay schedule resulting in overdraft fees of {$30.00} per incident. 

While this has happened more than 3 times I have record of my last conversation with Earnin in which they were supposed to update the pay cycle on XX/XX/XXXX but failed to do so resulting in another overdraft fee on XX/XX/XXXX. 

When contacting them on XX/XX/XXXX and XX/XX/XXXX I was informed that they would not be able to perform a refund but would update my pay cycle. I am no longer using this app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: NJ

Complaint narrative:
Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.

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 2020-09-09 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: NJ

Complaint narrative:
Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: NJ

Complaint narrative:
Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.

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 2020-09-09 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: TX

Complaint narrative:
On XX/XX/2020 I went to purchase a truck at XXXX XXXX XXXX. I went with another person my. We answered their questionnaire to qualify for financing. They said we qualify as a joint purchase. We did paperwork for truck purchase including attaining Gap insurance. We completed the transaction and left the dealership. a couple of miles away, a van crashed into the truck and totaled it. It was determined the other drivers fault right away.. We immediately notified their insurance, Gap insurance company, dealership, and our attorney. We diligently followed all instructions from all of the places and proceeded to wait for all the processes to occur. The amount owed for the total-loss truck was XXXX.The insurance, XXXX XXXX, issued a check for XXXX on XX/XX/2020. The service and maintenance warranties refund check was issued on XX/XX/2020. Service refund was XXXX. Maintenance refund was XXXX. On XX/XX/XXXX, the Gap insurance company paid XXXX. These amounts add up to XXXX. Throughout the period of time following the wreck, I kept up with the status of each process. I called Santander at the end of XX/XX/2020 and was told everything was paid and went about my business. About a week later I started getting calls from the Santander number that disconnected the call after answering. On XX/XX/2020 I answered another call and the woman stated it was an attempt to collect a debt and that I owed {$980.00} and that {$220.00} was 86 days past due. I was told they had not received the payments from the warranty and service refunds and to call the dealership. I did and confirmed those payments were sent. I called the Gap company to reassure they paid their proper amount. They confirmed that. After calling back and forth between XXXX XXXX XXXX XXXX XXXX XXXX, the Gap insurance company XXXX XXXX XXXX, and Santander, several representatives from Santander were unable to tell me what the {$980.00} was for. Only told me I need to pay or else it will be reported on our credit. I pieced together several details from many phone calls to Santander on XX/XX/2020. i was told that it was standard procedure to owe money on a simple interest loan, another person stated there were late fees of {$37.00} that amounted to the balance owed, and another said there were fees of {$75.00} accumulating on the account. I have no records indicating these items. The last time I called Santander I was at a high level of frustration and concern and strongly inquired why anything was owed and what it was. Each representative only stated generic this is an attempt to collect a debt & that is what is showing due & past due. I never got any of them to explain anything. The last representative told me the only thing she can do is request an audit on the account. I said yes to that, as it was the only option I was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: COMMERCE BANK
State: FL

Complaint narrative:
Due to the pandemic, I was laid off from my job in XX/XX/2020. I called Commerce Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program,  which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XX/XX/2020, one month into the program, I was reported 30 days late to the credit bureaus. I immediately called for help with this situation. I was referred to a supervisor named XXXX, that never returned my calls. To date I have not returned to work, nor has this been resolved by Commerce Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Following accounts are fraudulents : XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX All the inquires from : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2020-09-09 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
PAY-PAL has fraudulent unauthorized charges on my acct # for XXXX  for {$690.00} they will not give me the last four digits of the card used, address, was I charged or did it go through. Complaint # XXXX attaching supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: NY

Complaint narrative:
Following accounts are fraudulents : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX All the inquires from : XXXX  XXXX XXXX  XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONWIDE ACCEPTANCE LLC
State: KS

Complaint narrative:
Although I know that I am in collections, this company calls me more than 7 times daily. When they call and I am not able to talk they get very ugly and sayu mean things to me as well as threaten me. THis company even refused to give me a payoff amount and tried to force me to pay money before giving me a payoff to pay them off through a trade in. I was refused service, but then they turned around and released it to someone that I did not authorize them to do so. This company forced me into a deferment for COVID -19 and then added four months to back en of my loan ... .then mysteriously I now owe  late fees that equal to monthly payments although I had no late fees at all when the pandemic hit. THey will lie and state that this is not what I was being told by their reps ; however, I started recording my calls with them because they have the reputation of not being honest about what they are telling the consumers. My deceased mother has been talked about negatively by a rep and I have been called several liars about the health status of my XXXX brother who I was caring for after a XXXX. I was threatened that " I would be walking and they are picking my car up since I am acting like I am at work and cant talk right now. '' When the rep talked negatively about my deceased mother and retalited, I was told that they were picking up my car because I was being nasty to the rep ... they completely ignored that my dead mother was talked about on the call. This bank is truly a r complete rip off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation