vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have not been able to see my Equifax Credit report since XX/XX/2017. I have called in several times I have case numbers where customer support promises to fix this. I have no problems with other bureaus. I only can access the dispute part of MY EQUIFAX product. When I go there I see 4 XXXX XXXX  account. I reported these duplicates and called customer support who told me they saw the duplicate only to later see they added another in the dispute area ( this is all I can see ). My credit score is unknown to me and does not show up on any sites or product that do show my other bureaus credit scores with no issues. I have not seen my score since XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX. I received an email from JP MORGAN CHASE stating that I had insufficient funds in my savings account. I checked my account on the app and saw over {$6500.00} was stolen from my acct. I contacted Chase to make a complaint and went to a branch the next morning to file a claim and sign paper work. I waited 3 weeks for an update, did not receive one. I was also supposed to receive a credit for the money in question ( 2 reps told me this ) and I did not. I called Chase today and they denied my claim of fraud over {$1.00} that was not disputed ( missed by the banker at the branch I went to ). No one notified me and no communication was sent. I had to file another claim for {$1.00} and I now have to wait again for Chase to investigate. Customer service was poor and this issue was not treated with urgency. Out of the years I have banked with Chase I have never made payments out of my savings account. I was not notified of this fraud and Chase did not take the proper measures to protect my money I earned and worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I was in a financial hardship last year. As a result, I have late payments that was unpaid to you. But to ensure that your company incurred no losses I promise this wont be happening again.

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 2021-03-26 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: WI

Complaint narrative:
There were over 20 inquires place on my credit report from XX/XX/2021 up until the current date. I have called Transunion about this issue asking to have them removed as I only authorized 1 credit check from XXXX XXXX as that's who financed my car loan. They refused to remove these inquires as they state I have to contact these agencies myself. I contacted them and they all stated they can not find an account for me which I also shared with Transunion. I have a fraud alert placed on my credit reports.

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 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
Spring oaks Capitol l is reporting to the credit bureaus stating I have a debit in the amount of XXXX with them. They have sent me emails with claims this debit was sold to them from XXXX XXXX. I don't have debit with and they're falsely reporting a debit in my credit report. I have disputed this several including a current dispute in process with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: UT

Complaint narrative:
I called to pay off my loan on XX/XX/21. I made a payment of {$600.00}. The amount the representative told me it would take to payoff my loan. I have been receiving calls and emails ever since that I still owe interest. The representative I spoke with NEVER mentioned anything about additional interest. Only that a payment of {$600.00} would payoff the loan. Even the receipt I download from the company 's website says my loan is paid in full. This company is scamming me for more money. I will not pay on a loan that I paid off and their receipt clearly states " paid in full ''. This has turned into a predatory loan/lending company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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:
Sent a dispute letter to experian, also called them on XXXX, asked them to reinvestigate a few inquiries and accounts on my credit report that arent mine. I reported these accounts as fraud in past, each time Experian reports them as verified. They also took 38 days to complete investigation, never mailed me the results, nor did they provide their source for the investigation. They claim I have a bankruptcy on my credit file, which isnt mine, they did not verify it with the court, they used a 3rd party agency. I request they remove all errors off my report that I have previously reported

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 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened an account and made the following transactions : -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Sold Bitcoin {$89.00} ( {$2.00} ) transaction fee -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Purchased Bitcoin {$500.00} On XX/XX/XXXX, I submitted valid Military ID to Cashapp to be verified for Bitcoin transfers.

On XX/XX/XXXX, I requested a status update as it was advertised as 10 days for verification. Their service team said they would forward the request and I provided email, cashapp handle, and a description of the issue. On XX/XX/XXXX, I resubmitted ID, this time a valid drivers license starting the verification process over again.

On XX/XX/XXXX, I followed up and they said that their service team would send me an update. The update was literally an email that said they had closed my account and that I would have to liquidate my investment and transfer it back to my bank. They said I had violated the terms of service, which I reviewed again and I have not violated them. They then sent a vague email saying they couldn't tell me what violation occurred. I filed a complaint with the XXXX XXXX XXXX  ( XXXX  ) and my XXXX XXXX chain of command regarding Cash apps business practices. I did a XXXX search and found that this is a common occurrence while forcing people to liquidate their investment and not provide a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
i XXXX XXXX transferred money to my another bank account and on my end it says complete i did the transfer on XX/XX/2021 in the mount of XXXX and in the mount of XXXX the money mioney never was sent to my another bank account and was not put back in my bluebird account and they refused to to give me my money back as of to day its been 4 days the man was supposed to call me back the next day never did and every time i call and get someone on the phone and they look at my account they hang up on me tried 2 time today XX/XX/2021 and both times i got hung up on please i just want my money back that they steal from me its bad when my own bank is stealing my money and they want give it back they said someone will call me today XX/XX/2021 and they never did they want even tell me what is going on it took me 2 day before that to get them to even open a case report and they still act like they ant even doing anything about my money missing out of my account the man said he need 3 day to check eveything out and then they will bee able to help me he was supposed to call me back the next day like said earlier he never called and still has not called me as of todays date XX/XX/2021 my money still is not been put back in my account and still have not heard anything by phone or email and its been 4 days now and now i cant even get my money off my card to close my account i feel they going to try to take even more of my why they want let me get my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX was entered into consumer transaction with XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX took cash. The finance charge is suppose to include insurance, but XXXX made me purchase insurance separately. I XXXX XXXX was also a victim of identity theft because I entered into a consumer transaction with XXXX  XXXX on XX/XX/2016. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because XXXX  XXXX got the loan 15 usc 1431. XXXX XXXX used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by XXXX XXXX illegally to obtain my approval status for an extension of credit. can you guys please stop violating my rights as a Consumer? I have kids that have I have to take care of. it is hard to maintain a normal lifestyle because I can barely work because I have to spend countless hours studying the laws of the FCRA so I can finally get this issue resolved. I sat here for hours personally typing this letter myself with blood, sweat and tears because many nights I cried myself to sleep over these issues. I am begging you to please help me. do the right thing, I am a single father trying to survive during these covid times.

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 2021-03-26 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: IL

Complaint narrative:
This is probably the 4th time trying to resolve this and Im getting tired of disputing this account that ISNT reporting correctly. Im almost positive that items on your credit report that arent ACCURATELY reported are to be deleted. How is it that the account keeps being verified and updated when its constantly coming back with the SAME info! 

The account from XXXX XXXX ( XXXX XXXX XXXX ) was paid in full, yet the account is still reporting as derogatory. This is the last time Im contacting you all regarding this account. My next step will be me getting an attorney.

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 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC.
State: NJ

Complaint narrative:
I have asked Axos invest to close my investment account and transfer funds to my checking account at XXXX. Despite the promise that it will be done in 5-7 business days, even after ~ 15 days 10+ business days the amount wasn't transferred even after repeated email causing me financial issue which I wanted t o avoid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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:
Sent a dispute letter to XXXX  also called them on XXXX, asked them to reinvestigate a few inquiries and accounts on my credit report that arent mine. I reported these accounts as fraud in past, each time XXXX reports them as verified. They also took 38 days to complete investigation, never mailed me the results, nor did they provide their source for the investigation. They claim I have a bankruptcy on my credit file, which isnt mine, they did not verify it with the court, they used a 3rd party agency. I request they remove all errors off my report that I have previously reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I was in a financial hardship last year. As a result, I have late payments that was unpaid to you. But to ensure that your company incurred no losses I promise this wont be happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Applied and received a locked Loan Estimate on XX/XX/2020 with {$5100.00} in Origination Charges and {$8400.00} in Lender Credit. Received a Closing Disclosure on XX/XX/2020 with {$6100.00} in Origination Charges and only {$390.00} in Lender Credit. Lender also ran my credit without my authorization on XX/XX/2020 and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: FL

Complaint narrative:
I have had repeated calls from a company called AFNI when I XXXX them they come up as a debt collection agency. I have told them I am unaware of who they are, and they try to get me to give them information I am not comfortable giving, at which point the call ends. This company is calling me daily non stop. Recently I received 4 calls in under two minutes from this company. At this point I am looking at this as harassment as 4 calls in under 2 minutes is extreme behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5800.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TX

Complaint narrative:
I have wrote about correcting my address and removing alias names and incorrect addresses from my report. 
Please can someone help me. Remove the incorrect info from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: U.S. BANCORP
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TX

Complaint narrative:
I have wrote about correcting my address and removing alias names and incorrect addresses from my report. 
Please can someone help me. Remove the incorrect info 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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have wrote about correcting my address and removing alias names and incorrect addresses from my report. 
Please can someone help me. Remove the incorrect info 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 2021-03-26 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: WI

Complaint narrative:
In XXXX of XXXX, Santander hired a towing company to repossess a XXXX XXXX XXXX from residents located in XXXX, WI. During the reposition attempt, the towing company driver was told to leave premises, which he did however, the repossion agent called the XXXX police and told them that a XXXX was pointed at him during the repossession. The XXXX police came to the residence a handcuffed me, removed from the premises so the reposession agent could take the vehicle even though I contested the repossession the first time. Santander and the repossession agent were found guilty of violating Wisconsin state law and federal laws in federal court in the state of Wisconsin in the city of XXXX and arbitration was done to settle the federal court case. Now Santander is sending a XXXX to the IRS for the debt they incurred on because of the violation of the law. This should not be incurred as a debt or income for the year based on the fact that this was a settlement from a damage hearing incurred by their violation of state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are several different issues with all the credit reporting agencies. One in particular is XXXX originating out of XXXX XXXX XXXX has numerous inquiries on my credit report. I have NEVER had an account with them but they are constantly inquiring about my address, credit score, and reporting. In addition XXXX XXXX has permission to inquire about my credit standing which I have never approved. The three agencies have reported employment information incorrectly, disputes incorrectly, as well as living residences incorrectly. Also, my name has never been XXXX XXXX and other variations of this but I have only had approved accounts with XXXX XXXX, or XXXX XXXX. XXXX and finally XXXX XXXX XXXX. They wont correct this.

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