vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I was unknowingly redirected while attempting to get a quote for car insurance on the USAA website. Redirected to a fraudulent scammer who now has some of my personal information and my voice, because they immediately called me, the first I declined and before I could put my phone down they called again, and I said, " It looks like this is a fraudulent website, not USAA, do not call me again, put me on your 'Do Not Call ' list. '' But I wanted to report them! The phone numbers were made to look like they were coming from where I live, using my area code. The numbers the called me from are as follows : XXXX XXXX XXXX XXXX. ( XXXX ) XXXX. This happened XX/XX/2020 XXXX They are harassing me, after I told them to put me on their do not all list, but I guess scammers don't HAVE those, huh.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was contacted that my credit score had decreased so I called and found out that a hard pull had been done on XX/XX/2020 they said it was XXXX XXXX  XXXX XXXX  via Equifax mortgage services which does not exist I called XXXX XXXX  XXXX XXXX  and I called the number that I was given by Equifax that was on my credit report for the company that did the hard pull on my credit this Equifax mortgage services but it found out that was not a correct number the phone number I was given for Equifax mortgage services was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: MD

Complaint narrative:
Received aXX/XX/XXXXdebit card in the mail from a random company I did NOT request a card from. I tried to contact the company ( Netspend ) and could not get a person. The auto menu asked me to input my social security number and the card number to activate. I did not do either. Again, I have never heard of this company, have never requested a card or line of credit from them ever. This seems like a scam to me. And I thought sending live cards that werent requested is now illegal. Please investigate this shady company and their questionable practices.

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 2020-11-20 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: GA

Complaint narrative:
Experian and XXXX  has a dismissed bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accuraste. I would like to exercise my ights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... Experian rep and I call experian on a conference call and they confirmed it was not there..on XX/XX/2020 experian removed the bankruptcy then on the XXXX put it back on my report without prior notice which is violation of the FCRA in which they have to notify me with in five days in writing of the reinsertion. I respectfully ask that you investigate they actions and have them follow proper protcol and remove this dismissed bankruptcy from my 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 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted letters to al three Credit Bureas requesting that the initial alert, security alerts, and fraud alerts be removed from my credit report as they are causing me not to get pre-approved for credit products that I have interest in.

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 2020-11-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am extremely frustrated that your company is not investigating this account properly. There is a late remark from XX/XX/XXXX that was accessed due to a balance from XXXX that I paid. This was filed in error and I have reported to the Consumer Financial Protection Bureau as this is wrong information reporting. 
I financed this car and sold it back in XXXX. I was told that I need to pay it in full before I sold the car, so I did. I attached my receipt and check from XXXX that shows I made the payment in XX/XX/XXXX. There was NO balance on this account after I made the payment this account. I was never informed by your company that this account was past due UNTIL XX/XX/XXXX, TWO YEARS LATER!!!!!!!!! I was never informed for two years that the payment did not go through. I called Chase and paid this account off and then leased another car with your company. Any type of fees that I had to pay were transferred over and I made sure I paid everything. I was even told I do not owe any additional funds on either cars so I am confused as to why this is reporting this way. I need all calls pulled back in XXXX as you will hear how I was told to pay this account in full. Also pull the calls from XXXX, as I was also told that all the fees were paid. 
Your company said I missed a payment that was due on XX/XX/XXXX from a fee that was due on XX/XX/XXXX. That makes absolutely no sense so this late remark from XX/XX/XXXX needs to be removed. I have also attached my proof of payment for the XX/XX/XXXX payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 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: NJ

Complaint narrative:
chapter XXXX bankruptcy was in my experian and XXXX credit report in which i disputed and the both told me the item was verified thru XXXX, ,I contacted XXXX and they told me I didnt have a public record for a bankruptcy in there system. Either these 2 credit bureaus lied or they didnt do a through investigation into my disputes either way they are in violation of the FCRA and i demand these bankruptcies be delete from my credit file

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 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: IN

Complaint narrative:
I called to explain what was going on and I had been put in Covid protocol for my company and I needed help. I received a XXXX check I didnt know what to do and I was behind I know Im not trying to avoid you all but I was having a hard time with my kids not being in school having to have to buy computers for school I have XXXX including my self to be able to work from home. I didnt know what to do or where to go so I did. I was told by each person I talk THAT HAS NOTHING TO DO WITH THE ME MAAM. Wheres your husband she said I sai my is sick XXXX XXXX XXXX to his feet. She said WELL HE NEED TO GO GET A JOB CAUSE WE NEED OUR MONEY maam. I said maam he cant Im doing what I can to provide for my family. I was in front of my corporate boss they called my job. Having to get computers and food to keep my kids feed and school. I said I cant maam but what about your anything to help us. Its not my fault your an irresponsible parent and got your priorities mixed up but we need our money! You have five days to get out! My boss made me hang up! That was very embarrassing and degrading Im a supervisor at my job. My bosses offered me and my leave to live with her family. If I could afford to get out I would being racially harassed in place my has been chained egged trashed and more! Ive been XXXX  since this call I need help but cant afford it Please HELP US ANYBODY! Im scared

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: NC

Complaint narrative:
Experian is showing a 40 point difference in score on my credit report. As of todays date the scores are as follows : XXXX  XXXX ; XXXX  XXXX ; and Experian XXXX. I complained to Experian a couple of weeks ago and the issue has not been resolved. They claimed that the score is based on the XXXX XXXX scoring system. However, XXXX  and XXXX  use the same scoring system. This average 42 point reduction in score radically changes my average credit score and puts it in the XXXX range rather than the XXXX range. This 20 points makes a huge difference when companies are considering my credit worthiness. Ive never seen such a difference in my scores since tracking them for at least two decades. I just want them to adjust my score to the correct number. 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 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter about inaccurate accounts that were shown on my credit report and asked for an investigation. It has been 2 months and I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I started working for a new company, and in the first week set up direct deposit for my form of payment to my checking account with PNC. I must have entered the incorrect account number on the direct deposit form. ( I entered the number on my physical debit card ). However, in the first instance of direct deposit the bank caught the mistake and automatically redirected the funds in to my account. I appreciate the redirect, however I was not notified of the issue and therefore did not resolve it. On the second instance ( XX/XX/2020 ) the direct deposit was not redirected, but was instead sent back to my employer ( XXXX XXXX ). There was a third instance of this same scenario on the ( XX/XX/XXXX ) however at that point I noticed the error ( wrong account number explained above ) and called the bank to resolve that singular event ( from XX/XX/XXXX ) and i proceeded to fix my direct deposit form with my employer. Since XX/XX/XXXX I have still not received my funds which was two weeks pay at the amount of {$1400.00}. I have contacted the bank ( PNC ) and was told they could not provide me any documentation of the returned check, and therefore my employer, who requested documentation in order to pay me, can not pay me. I would like documentation of the returned check so I may request payment from my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: OH

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 
Accounts : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, 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 2020-11-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Counsel, Inc.
State: CA

Complaint narrative:
Dear Cfpb, XXXX XXXX XXXX XXXX : CREDIT COUNSEL INC Original creditor : XXXX XXXX XXXX XXXX opened XX/XX/2020 Amount : XXXX On XX/XX/2020 the Secretary of Education directed the office of Federal Student Aid to provide the following relief on ED-held federal student loans : suspend loan payments stop collections on defaulted loans set interest rates to 0 % for a period of 60 days On XX/XX/2020, Congress passed, and the president signed into law, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XX/XX/2020.

On XX/XX/2020, President Trump directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XX/XX/2020. 

Despite the fact that ongoing litigation case detail here XXXX XXXX XXXX They won't respect the rule and laws, Put my credit score in dangerous and harmful during this pandemic is very unconstitutional. 

The federal loan often 10 years, but many don't know that before having a chance to pay back the federal loan.

.

These corp private school loans already put these dreams under collection after a 2-3 years loan term. 

What's I know now after enrolling and graduated. In contrast, they haven't completed any commitment and promise in the contract from a business point of view. 
Frauding process and education plan, the structure education plan prepare under XXXX systems, and that plan to destroy US education systems as a goal. The government must act. 

Example : All high education colleges require accreditation as required by law. 

The private school claimed accreditation that is false, it's an invalid search in the student clearinghouse, it's also mean Non-transfer credit eligible to any US college. 

Non-report data success transfer college in the private school.Non-transparency. 

Again, these corp private school is intended to manipulate the system for this interest, and they go after vulnerable students and that is exactly what is this United Education Institute did. 


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 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
There was fraudulent activities on my account with small amounts of money being taken from my account that later turned into large amounts ( $ XXXX- {$20.00} turned into $ XXXX- {$500.00} ). I called their dispute line to bring it to their attention and they did absolutely nothing about it. Then, on XX/XX/XXXX of XX/XX/2020, Chime Bank closed my account without any direct or clear reason. I tried to get in contact with them through their support email and Chime ignored several of my attempts so I then proceeded to contact the attorney general office and file a claim. They continued to ignore me until I brought to their attention that I was opening a case with the attorney general. Then they proceeded to tell me that it would take 30 days not including a 14 day processing period to receive my funds. Ive yet to receive this check in the mail that they had promised me. This was the main bank I was using to get my direct deposits from work deposited into. I had a loan that was deposited into that account for over {$6000.00}. My rent ended up being late because they rejected my automatic withdrawal. Im behind on credit card bills, loan payments and wasnt able to renew my lease with my apartments due to this inconvenience. Im currently XXXX and living with a friend. This has given me XXXX and XXXX out of this world. Im at my wits end with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted letters to al three Credit Bureas requesting that the initial alert, security alerts, and fraud alerts be removed from my credit report as they are causing me not to get pre-approved for credit products that I have interest in.

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 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted letters to al three Credit Bureas requesting that the initial alert, security alerts, and fraud alerts be removed from my credit report as they are causing me not to get pre-approved for credit products that I have interest in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/2020 The following account was verified as accurate EXETER FINANCE LLC. Please provide the method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: NJ

Complaint narrative:
chapter XXXX bankruptcy was in my XXXX  and equifax credit report in which i disputed and the both told me the item was verified thru XXXX, ,I contacted XXXX and they told me I didnt have a public record for a bankruptcy in there system. Either these 2 credit bureaus lied or they didnt do a through investigation into my disputes either way they are in violation of the FCRA and i demand these bankruptcies be delete from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: OH

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 
Accounts : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX , XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: OH

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 
Accounts : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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 2020-11-20 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter requesting that inaccurate accounts be investigated that were showing on my credit report. It's been 2 and a half months and I still haven't received a response.

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