vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 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: MoneyLion Inc.
State: TX

Complaint narrative:
XXXX  is continuing to report a Credit Builder Plus loan XXXX loan with Moneylion Inc as two payments past due. This loan has never been past due. MONEYLION IS ON VIOLATION OF FCRA and UDAAP. 
Moneylion is practicing predatory lending practices and Abusive practices. By reporting Current loan as DEFAULTED or past due on customers credit. It is egregious and terrible in the middle of a global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. EXPERIAN CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Experian as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Experian is lowering my score with each credit dispute. 

Rental property solutions Inquiry XX/XX/XXXX Inquiry XX/XX/XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2020-10-10 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: AL

Complaint narrative:
XX/XX/2020, I sent a letter to XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/XXXX, I have not received any notice and the account is still showing on my credit reports. I disputed the entry still being on my credit report with Transunion and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

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 2020-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a mortgage through Chase. On XX/XX/XXXX I logged into my Chase online account. I was intending to pay my XXXX mortgage. It was at this time that I realized I had not paid my XXXX or XXXX mortgage. It is a very small mortgage on a piece of vacation property that we own and somehow it slipped my mind in the chaos of the pandemic. However, my complaint is that Chase never contacted me to notify me that my account was delinquent, either by email, regular mail or telephone. 

I paid the full amount past due and contacted Chase. They told me that they had tried to call but did not leave a message because they are not allowed to under the Telephone Consumer Protection Act. I explained that I can not answer numbers I do not know, but I return phone messages. Chase said they will not leave a message because of this law. They said that I had elected paperless statements in XXXX. Chase said that my statement should have alerted me. However, I have never received an email with a paperless statement. In any case, with the election of paperless statements, I was supposed to still receive tax statements and notices and letters in paper in the mail. I receive tax statements in hard copy paper format. However, I have never received a notice except for advertisements. 

I asked the representative if Chase sent me a notice/letter of delinquency. Chase did not send me a single notice of delinquency. The representative said they sent me a letter notifying me of pandemic assistance. However, this notice did not advise me that I was delinquent. It appeared to be an advertisement from Chase at the time for a pandemic program because it was not specific to my account. The representative of Chase said they would have notified me via mail when they foreclosed on the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: TX

Complaint narrative:
I disputed the account information with EXPERIAN for account with XXXX XXXX Account # XXXX in amount of {$450.00}. This account is paid in full. This payment was made XX/XX/2020. Please delete account and 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 2020-10-10 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: TX

Complaint narrative:
I disputed the account information with XXXX  for account with PXXXX XXXX Account # XXXX in amount of {$450.00}. This account is paid in full. This payment was made XX/XX/2020. Please delete account and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: Possible Financial Inc
State: TX

Complaint narrative:
I disputed the account information with XXXX  for account with Possible Finance Account # XXXX in amount of {$450.00}. This account is paid in full. This payment was made XX/XX/2020. Please delete account and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN CONTINUES TO REPORT THE ACCOUNT WITH XXXX= XXXX XXXX as delinquent. This account was paid in full through XXXX XXXX XXXX XXXX XXXX XXXX XXXX reference number XXXX XXXX in amount of {$1000.00} on XX/XX/2020. Please remove reporting. 

Same goes for XXXX and XXXX. Thank you

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 2020-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc.
State: TX

Complaint narrative:
This debt was not owed bc they said it was paid the co- pay and Im insured through them. Its not mine and I demand it off collection immediately. If its not off I will sue them and be in the tv. Exposing them and during them to the fullest. I demand it off my credit. I want it off with XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: PA

Complaint narrative:
For approximately 2 years I have attempted get XXXX  XXXX and experian to correct their records however this has yet to happen.

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 2020-10-10 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Costco Citi card credit card. Dispute number XXXX Overcharged why a dentist on XX/XX/2020 for the amount of {$4000.00} for cleaning services. 

Called the credit card company to dispute the charge and they emailed me back that they looked into the matter and could not help me and still paid the dentist office.

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 2020-10-10 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX  CONTINUES TO REPORT THE ACCOUNT WITH XXXX= XXXX XXXX as delinquent. This account was paid in full through XXXX XXXX XXXX Radius Global Solutions Radius reference number XXXX XXXX in amount of {$1000.00} on XX/XX/2020. Please remove reporting. 

Same goes for XXXX  and XXXX. Thank you

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 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  CONTINUES TO REPORT THE ACCOUNT WITH XXXX= XXXX XXXX as delinquent. This account was paid in full through XXXX XXXX XXXX XXXX XXXX XXXX XXXX reference number XXXX XXXX in amount of {$1000.00} on XX/XX/2020. Please remove reporting. 

Same goes for XXXX  and Equifax. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: NY

Complaint narrative:
hello and to whom this may concern. 

hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, New York XXXX. 
SSN:XXXX and i have contacted transunion countless times and the creditor and cant seem to have them remove these inquiries off my report, its a cat and mouse game as they keep telling me to call one another back and im sick of it! being a XXXX survivor and loosing half of my XXXX i feel like i have enough stress in my life than some simple inquiry removal which is part of transunion 's " inquiry issue '' which i have been a victim of!!! transunion customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the inquiries below which are part of the " inquiry issue '' that i am a victim of that had happened at transunion. i am hoping you can guys can help me out here! look foward from hearing from you guys thank you!! here are the inquiries as follow! 

XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/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 2020-10-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
The bank locked my account with out my knowledge and I was told in order to unlock the account I had to send my legal documents. I sent my legal documents 3 times now over the course of 3 months I have been told different times my card should be unlocked and that I should call again.. everybody I have spoken too gave me a different answer but no solution. I have a XXXX XXXX XXXX  daughter and that unemployment was to help me and my daughter and bills. Im now in my 3rd month and Im still being told nothing about my card being unlocked.

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 2020-10-10 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: NY

Complaint narrative:
I called and wrote a letter disputing late fees and interest in the amount of {$28.00} charged in my XX/XX/XXXX-XX/XX/2020 statement. Full payment in the amount of {$37.00} was sent via electronic funds transfer on XXXX XXXX prior to te due date and in a timely manner. The previous month full payment in the amount of {$400.00} was sent in XX/XX/2020 and no late fee or interest was charged. When I called I was given the run around and they would not remedy the problem. I then wrote a letter dated XX/XX/2020 and as of this date have received no response. I checked with my bank and was informed that the dates of payments for both months were correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
it was XXXX i went to XXXX  . cashier told me it was big discount when i opened XXXX account. she told me a lot of things. and i open XXXX  account. make short story i did not get discount. i used XXXX account and paid on time. one day i got mail. it showed me {$340.00}. i called XXXX. i talked to someone. she told me they gon na send me another bill. i never get bill until XXXX i got bill from midland fund. it showed me {$880.00}. i called them they did not treat me well. the guy told me i have to pay. other wise we will send to credit agency. i was scare about it. i told him i do not want to messed up my credit. i started {$50.00} a monthly pay. but he send to credit agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10 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: IL

Complaint narrative:
I opened a chase checking and savings account on XX/XX/20. A couple days later I deposited a {$1000.00} check that my husband wrote me. You then locked access to all my accounts. I tried several times to talk with someone about why my acct was locked and I had no access to the funds i deposited. 

Fast forward a few week and I finally got someone who told me me my acct was closed without explanation or contact from Chase. They told me my funds would be mailed to me in 7-10 days. 

After waiting a few weeks and on funds - i tried calling again. After several attempts, disconnections, and transfers I finally got to someone who assured me the funds would be sent to me in 7-10 days. 

It has now been over 2 weeks from the last phone call and I still don't have the {$1000.00} i deposited in the acct in early XXXX. I have spent about 9 hours of phone calls and work on this account - only to have my money tied up and not being able to use it for my bills. This 9 hours is not an exaggeration. 

I have long talked to people about how great chase is, but this is the worst banking experience i have ever had. 

I do not know my acct # as i was immediately locked out of my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
it was XXXX i went to sears . cashier told me it was big discount when i opened sears account. she told me a lot of things. and i open sears account. make short story i did not get discount. i used sears account and paid on time. one day i got mail. it showed me {$340.00}. i called sears. i talked to someone. she told me they gon na send me another bill. i never get bill until XXXX. i got bill from XXXX  XXXX. it showed me {$880.00}. i called them they did not treat me well. the guy told me i have to pay. other wise we will send to credit agency. i was scare about it. i told him i do not want to messed up my credit. i started {$50.00} a monthly pay. but he send to credit agency.

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 2020-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Hallstrom Law Firm PLLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 


NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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:
Multiple fraudulent accounts have appeared on my XXXX, Transunion and XXXX account. 

XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/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 2020-10-10 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:
Multiple fraudulent accounts have appeared on my XXXX XXXX and Equifax account. 

XXXX  XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation