vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 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: FL

Complaint narrative:
Because as you know I submitted a dispute against Equifax .... NOW they wont even allow me to see my credit score from them. Everytime, ( all 48 ) of them I try to log onto that account there pops up a sign saying OOPS unable to connect at this time .... don't you think its a little funny that I cant see my score because I submitted a dispute against them? Well, I'm not done yet, Im doing to submit a complaint about the whole XXXX  system and possibly make sure this XXXX  stops .... you are the one supposed to regulate this XXXX  and all you do is submit the complaint to the company, you don't make them do the right thing, you don't even follow up on the complaints ... YOU DO NOTHING .... if I can not receive MY credit score, NOT THEIRS, they have no business with my personal information and this company needs to be taken out of business ... if this is the way you think people and their personal information are supposed to be treated, well you're very very wrong .... playing with peoples lives is not legal and I for one will not just sit and let this happen ... XXXX  is another one you cant get in touch with so WHY ARE THESE COMPANIES ALLOWED TO HAVE PEOPLES PERSONAL INFORMATION WHEN THE PEOPLE WHOS INFORMATION THEY HAVE CANT EVEN GET TO IT? YOU MAY THINK THIS IS OKAY, BUT I HAVE NEWS FOR ALL OF YOU ... IM NOT STOPPING HERE AND IF YOU THINK THIS IS JUST ANOTHER DISGRUNTLED PERSON WHO WILL NOT PROCEED WITH THIS, YOU ARE VERY WRONG ... .. IF I CAN NOT GET ONTO EQUIFAX AND XXXX  TO RETREIVE " MY '' CREDIT SCORE, NOT THEIRS, THEN WE HAVE A PROBLEM AND I WILL FIND THE SOLUTION BECAUSE YOU DO NOTHING AND I CANT FIGURE OUT WHAT YOU'RE FOR? USELESS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Because as you know I submitted a dispute against XXXX .... NOW they wont even allow me to see my credit score from them. Everytime, ( all 48 ) of them I try to log onto that account there pops up a sign saying OOPS unable to connect at this time .... don't you think its a little funny that I cant see my score because I submitted a dispute against them? Well, I'm not done yet, Im doing to submit a complaint about the whole XXXX system and possibly make sure this XXXX stops .... you are the one supposed to regulate this XXXX and all you do is submit the complaint to the company, you don't make them do the right thing, you don't even follow up on the complaints ... YOU DO NOTHING .... if I can not receive MY credit score, NOT THEIRS, they have no business with my personal information and this company needs to be taken out of business ... if this is the way you think people and their personal information are supposed to be treated, well you're very very wrong .... playing with peoples lives is not legal and I for one will not just sit and let this happen ... TRANSUNION is another one you cant get in touch with so WHY ARE THESE COMPANIES ALLOWED TO HAVE PEOPLES PERSONAL INFORMATION WHEN THE PEOPLE WHOS INFORMATION THEY HAVE CANT EVEN GET TO IT? YOU MAY THINK THIS IS OKAY, BUT I HAVE NEWS FOR ALL OF YOU ... IM NOT STOPPING HERE AND IF YOU THINK THIS IS JUST ANOTHER DISGRUNTLED PERSON WHO WILL NOT PROCEED WITH THIS, YOU ARE VERY WRONG ... .. IF I CAN NOT GET ONTO XXXX AND TRANSUNION TO RETREIVE " MY '' CREDIT SCORE, NOT THEIRS, THEN WE HAVE A PROBLEM AND I WILL FIND THE SOLUTION BECAUSE YOU DO NOTHING AND I CANT FIGURE OUT WHAT YOU'RE FOR? USELESS

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 2020-02-21 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: IL

Complaint narrative:
stated they verified a bankruptcy and I received proof from the court which I sent them that they do not verify bankruptcies with outside companies or credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: CA

Complaint narrative:
Equifax breached my personal info and wont delete the XXXX account on my report also my credit was checked 35 times it should have been deleted via their website, its not on XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: NY

Complaint narrative:
I have been in the foreclosure process in New York State since XXXX. 

I had a well-performing ( perfect, in fact ) mortgage from the XXXX inception until the servicing rights were sold to XXXX XXXX XXXX XXXX XXXX ( XXXX ) just before the original lender/servicer ( XXXX - the old one ) went under in XXXX. 

XXXX was the subject of a CFPB consent order and no longer services loans. I believe that my experience with them was a slightly different scam ; the ones the consent order dealt with involved problem or non-performing loans ; in this case they took steps to ensure that my loan became non-performing. More details forthcoming if needed. 

After damaging my account, XXXX promised they would modify my loan but I would have to stop paying which I did in XX/XX/XXXX. I have made no payments since then. 

The foreclosure case continues ; I answered it and successfully defeated summary judgment motions because so far the plaintiff can't prove that they had standing to sue me. 

I have never engaged in any modification plan or other payments. There is litigation going on ; I appear to be winning ; the Statute of Limitation ( SOL ) on the debt expired in XXXX and if I can defeat the Plaintiff it may be difficult or impossible for them to turn around and sue me again. If I make any payment to them, it destroys my SOL defense. I did not and would not do that. 

The current owner of my loan is XXXX XXXX XXXX The servicer is XXXX XXXX XXXX ( the furnisher of the bad credit information ). 

I have rebuilt my credit and had a FICO credit rating with all three CRB 's around 720-750 and growing. 

Suddenly early this month I got an alarm from two of the three bureaus, Equifax and XXXX, that my score had decreased 75-100 points. 

XXXX had reported to the two that I had engaged in a modification starting in XXXX ( had not reported this purported transaction until recently! ) that was paying as agreed but that the overall account was worth over {$1.00} XXXX and was 120+ days in arrears. 

None of this is true. This account should not have been reported to the CRBs after XX/XX/XXXX. 

I took the following immediate steps : Faxed a letter to XXXX demanding that they correct the error. Had my ATTORNEY fax a letter to the lawyer for XXXX/XXXX   that it appears retaliatory and should stop forthwith. 

I disputed the claim with both CRBs. They appear in no hurry to correct the errors. 

So far, 10 days have passed and no answer to my letters and no resolution to my issue. 

OH ... this is the SECOND TIME this has happened. It happened in XX/XX/XXXX as well, and was corrected at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I guess money key sold my information to I dont know who and theyve been calling my sisters and Job pretending to be a government official of XXXX and that they would take legal action I will attach a transcript of what they called messaging my sisters. Same voicemail was left to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
They added collection to my credit reports without accurately validating debt. I checked and cant verify their registration in Ohio. BOTH are FDCPA violations! Portfolio Recovery put collection on my credit report without accurately validating the following information as requested at least 5 times as I believe the debt belongs to my ex-husband : I request that Portfolio validate the following information : 1 - Full original account number and personal information associated with the account 2 - Date original account was opened 3 - Any written agreements between myself nd the original creditor stating that the alleged debt 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me  concerning the alleged debt before and after it was reported to the CRA 's and so in proving that these calls were made in the times governed by the FDCPA laws.i have told Portfolio numerous times that I needed proof the debt is actually mine and they have only validated that they purchased an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I don't know what the banking regulations are concerning " float '' but that is what this complaint is about. 

My mother-in-law, age XXXX, died on XX/XX/XXXX. As her XXXX XXXX had declined over the last years, she had given me her financial power of attorney. We operated a joint bank account with her bank, Chase, and I was the executor of her will. 

We notified her sources of monthly income ( Social Security, her XXXX pension, Veteran 's Administration ( she was an XXXX XXXX during XXXX XXXX XXXX ) ) of her death and closed automatic monthly payments going out such as phone bills and medical insurance. By early XXXX, XXXX, I felt that all activity had ended. It was time to fulfill her will. 

Chase Bank, however, had an incoming check on hold. When I clicked on the highlighted hold on-line, a message appeared : " It looks like this part of our site isn't working right now. Please try again later. Thanks for your patience. '' I still get that message as of this morning when I click on the hold. 

So I made an appointment for XX/XX/XXXX with a bank representative in preparation for disbursing her funds and closing the account. I made the mistake of bringing a copy of her death certificate rather than the original. XXXX XXXX said the hold was on my mother-in-law 's Social Security check from early XXXX and that when I brought in the original death certificate, she could call Social Security and make sure that the government would not want some of the payment returned. 

I returned to Ms. XXXX on XX/XX/XXXX with the original death certificate. When I asked if she would now call Social Security, she said that was something that the back office would do. When I asked whether it was the bank 's back office or Social Security 's, she was vague in a way that made me uneasy. What if I went down to Social Security and checked with them myself. She said I could do that and gave me a list of what information Chase would need to remove the hold on that check. 

I went to the Social Security office. A man examined my monther-in-law 's account and said that the early XXXX check covered XXXX. Since she died in XXXX, she was absolutely entitled to the full check that was on hold. He filled out a form to that effect, including all the needed information that Chase had listed. I took the letter back to Chase and gave it to Ms. XXXX that afternoon. She said it might take a few days for their back office to clear the check. 

It is now eight days later so I am filing this complaint, both to get that check released so I can disburse my mother-in-law 's funds to her grandchildren and to alert you to a possible practice that might be of concern to you. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
About eight months ago, I made a complaint here regarding Professional Credit Services ; for whom I overpaid by several hundred dollars on court-related fines. I discovered that, Professional credit services, whom I set up the payment plan regarding two files they had with the court. I made a large downpayment as part of the process setting up the payment schedule. 

Somehow, although the debt collection had closed once paid in full, I received notice from the DMV that I still had outstanding tickets and my drivers license was going to be suspended as a result of nonpayment. I did some investigating and discovered that I had actually overpaid the company by quite a bit. However when I asked the company for its records they did not give me records for the file with the tickets outstanding In question. Naturally, as they had been handling this debt, I was very frustrated at giving them so much money and being paid in full only to receive the letter from the DMV that says I still had two tickets outstanding. I am under the impression that the credit service stole my money and didnt apply it appropriately but rather paid themselves a healthy amount of interest, while letting one of the debts languish. I went to the court and asked that any and all files be transferred back to the municipal court for collection since they dont charge interest and since they are easier to make payment arrangements with. The court honored the request. 

However, where is the extra money that the CFPB owes me an explanation for? It took them forever to respond ; and now they are calling this a misunderstanding and stating that they will send a full accounting that shows how they have applied the historic payments. Obviously I am very interested in seeing this but, here again for the second time, Im told I will receive the information. The company said in their answer here that I would be receiving the documentation shortly, but guess what? Still I have not seen it. I want this company to follow through with their promises and pursuant to the law, show me the info That I am entitled to - or, reduce the balance to XXXX ; and if they cant give an explanation that shows where my money went, which was far exceeding the actual amount of the debt to be paid, and without applying the payments evenly To both debt files like they were supposed to do, then I should actually be receiving a refund for money they took from me but to which they were not entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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:
Equifax you are reporting incorrect information on my credit report you are reporting that my high balance is XXXX $ For XXXX XXXX and XXXX is my high balance is XXXX $ it can only be one or another please delete all inaccurate information Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It is a shame to having to come to CFPB for things that chase could have easily handle it in the branch or over the phone. This just shows how pathetic chase bank service is. 

Went to chase branch to reopen an account. Was told to open a whole new account. I agreed. 

Few moments later, the branch staff starts asking me to sign tax forms that said foreign tax something and I had no idea what the XXXX was that. I was told without signing that paper, the checking account can not be opened. I asked the staff to give me a copy of that paperwork so I could show it to my accountant first. Then the staff member didnt know which paperwork to give as there were two. She says, take both and that I ask my accountant which paper applies to me and sign that one. And of course se she had no clue what that paperwork was in the first place. Seriously! How pathetic! 

I called chase call centre to withdraw my checking account application but they said it can not be withdrawn until 30 days when it will automatically get withdrawn. What kind of harassment is this? My application and I can not withdraw it? Are you guys XXXX around with me? 

I went back to the branch but by then the staff members were too busy partying with each other to entertain me and I just kept waiting. 

I thought I went to chase to open a checking account and not to discuss my tax. You guys should close all your branches and open tax consultancy firms. 

Hey chase, I dont need an account in your stupid bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been in the foreclosure process in New York State since XXXX. 

I had a well-performing ( perfect, in fact ) mortgage from the XXXX inception until the servicing rights were sold to XXXX XXXX XXXX , XXXX ( XXXX ) just before the original lender/servicer ( XXXX - the old one ) went under in XXXX. 

XXXX was the subject of a CFPB consent order and no longer services loans. I believe that my experience with them was a slightly different scam ; the ones the consent order dealt with involved problem or non-performing loans ; in this case they took steps to ensure that my loan became non-performing. More details forthcoming if needed. 

After damaging my account, XXXX promised they would modify my loan but I would have to stop paying which I did in XX/XX/XXXX. I have made no payments since then. 

The foreclosure case continues ; I answered it and successfully defeated summary judgment motions because so far the plaintiff can't prove that they had standing to sue me. 

I have never engaged in any modification plan or other payments. There is litigation going on ; I appear to be winning ; the Statute of Limitation ( SOL ) on the debt expired in XXXX and if I can defeat the Plaintiff it may be difficult or impossible for them to turn around and sue me again. If I make any payment to them, it destroys my SOL defense. I did not and would not do that. 

The current owner of my loan is XXXX XXXX XXXX. The servicer is XXXX XXXX  XXXX ( the furnisher of the bad credit information ). 
I have rebuilt my credit and had a FICO credit rating with all three CRB 's around 720-750 and growing. 

Suddenly early this month I got an alarm from two of the three bureaus, XXXX and TransUnion, that my score had decreased 75-100 points. 

XXXX had reported to the two that I had engaged in a modification starting in XXXX ( had not reported this purported transaction until recently! ) that was paying as agreed but that the overall account was worth over {$1.00} XXXX and was 120+ days in arrears. 

None of this is true. This account should not have been reported to the CRBs after XX/XX/XXXX. 

I took the following immediate steps : Faxed a letter to XXXX demanding that they correct the error. Had my ATTORNEY fax a letter to the lawyer for XXXX/XXXX   that it appears retaliatory and should stop forthwith. 

I disputed the claim with both CRBs. They appear in no hurry to correct the errors. 

So far, 10 days have passed and no answer to my letters and no resolution to my issue. 

OH ... this is the SECOND TIME this has happened. It happened in XX/XX/XXXX as well, and was corrected at that time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal still violation FTC rules They think theyre above the laws in America

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My business had a Home Depot Contractors account serviced by Citibank. Account # XXXX XXXX XXXX XXXX in the name of XXXX XXXX XXXX XXXX XXXX XXXX. 
The account was closed around XX/XX/XXXX and credits were issued and a final payment made over the phone with Citibank. The cards were shredded and there was never activity on the account from my end with regards to purchases. 
However, while preparing for taxes it came to my attention on XX/XX/XXXX from a Citibank robo-call that there was an outstanding balance of {$12.00} on my " CLOSED '' Home Depot business card. 
I made a call to Home Depot Accounts and confirmed that the account was CLOSED. 
I contacted Citi to inquire where the balance was coming from. IT appears that when they issued the credits and quoted me the payoff they were {$4.00} short in their calculations. 
They have for the past seven ( 7 ) months been adding a {$1.00} late fee to the CLOSED account. I offered to pay the {$4.00} today, XX/XX/XXXX to set the balance to XXXX. They could not assist. I was transferred to a Customer Account Manager and offered to pay {$5.00} to set the account to XXXX. The response was " We do not negotiate ''. I implied hat I will file a CFPB complaint and it will surely cost them more than {$7.00} to respond to it. He was not bothered nor interested in taking the {$5.00}.

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 monetary relief