vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TransUnion and XXXX  XXXX Expedited resolution request XXXX, XXXX and XXXX XXXX have been reporting accounts in my name to XXXX, XXXX  and TransUnion inaccurately. 
I have disputed these accounts over 8 times since XXXX, the most recent XXXX, XXXX, XXXX & XXXX. Claiming the balances are incorrect and that these accounts have been settled. However, each time I made this claim XXXX and XXXX have alleged they conducted a proper investigation and each time verifying the accounts have been reporting correctly. This is not possible to be accurate as XXXX and XXXX exercised a CANCELLATION OF DEBT back in XXXX and reported this to the IRS, I am attaching irrefutable proof of the cancellation of debt. 
Despite this fact, XXXX and XXXX have been updating and reverifying this inaccurate information to all three mentioned credit bureaus every single month for over 2 yrs, causing severe harm to my credit resulting in numerous credit denials, increased auto insurance and denial of my XXXX XXXX XXXX loan, forcing me to close my XXXX XXXX. 
As a result of XXXX and XXXX  reckless actions they each have committed over 60 direct violations of the FCRA. I am demanding those mentioned accounts be completely deleted from my credit reports as required by LAW, which obviously XXXX and XXXX do not give a XXXX about.Regardless, a lawsuit will be filed in the coming weeks. 
I am attaching the cancellation of Debt documents AS for XXXX XXXX, although I have filed disputes and requested XXXX to provide a full accounting and other information over the last 18 months, they have refused to do so, I have never received any response from them. NEVER!

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax, XXXX  and XXXX  XXXX Expedited resolution request XXXX, XXXX and XXXX XXXX have been reporting accounts in my name to XXXX, Equifax and XXXX inaccurately. 
I have disputed these accounts over 8 times since XXXX, the most recent XXXX, XXXX, XXXX & XXXX. Claiming the balances are incorrect and that these accounts have been settled. However, each time I made this claim XXXX and XXXX have alleged they conducted a proper investigation and each time verifying the accounts have been reporting correctly. This is not possible to be accurate as XXXX and XXXX exercised a CANCELLATION OF DEBT back in XXXX and reported this to the IRS, I am attaching irrefutable proof of the cancellation of debt. 
Despite this fact, XXXX and XXXX have been updating and reverifying this inaccurate information to all three mentioned credit bureaus every single month for over 2 yrs, causing severe harm to my credit resulting in numerous credit denials, increased auto insurance and denial of my XXXX XXXX XXXX  loan, forcing me to close my XXXX XXXX. 
As a result of XXXX and XXXX  reckless actions they each have committed over 60 direct violations of the FCRA. I am demanding those mentioned accounts be completely deleted from my credit reports as required by LAW, which obviously XXXX and XXXX do not give a XXXX about.Regardless, a lawsuit will be filed in the coming weeks. 
I am attaching the cancellation of Debt documents AS for XXXX XXXX, although I have filed disputes and requested XXXX to provide a full accounting and other information over the last 18 months, they have refused to do so, I have never received any response from them. NEVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AwA collection never herd of them. 
Didnt do anything with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: CA

Complaint narrative:
XXXX  and Equifax continue to allow XXXX  XXXX  to report incorrect and inaccurate information to their bureau stating I owe the {$1400.00} for car payments. I sent XXXX  and Equifax both a letter from the company itself as documented proof that XXXX XXXX closed this account in XX/XX/XXXX and that there was a XXXX balance owing and that the lien account was paid in full. This account was a car loan that was cancelled due to a repurchase by the manufacturer XXXX for an acceleration defect on the car, in which the dealership was not able to fix. This car was repurchased back under the California lemon law and I was due to be refunded back everything I paid towards the car : my down payment and the car notes. The amounts of {$1400.00} are not the amount for the two car payments I paid. The Car payments came to the amount of XXXX each for a sum of {$1200.00} ; so that also is an inaccuracy as far as these two bureaus reporting. I have sent in the proof attached to show that this account was closed and paid in full and the break down from XXXX XXXX as to what was credited and what was due to be refunded to me. XXXX XXXX was not supposed to keep the car payments ; I repeat, they were to be refunded to me. Ive been disputing this issue since XX/XX/XXXX and this company continues to report these inaccuracies. I never received the refund of the money I paid toward the car, and XXXX XXXX as well as, the dealership were refusing to accept my calls, therefore, I went through my bank to get my money back after providing the bank the same proof from the company, my bank deemed it enough evidence that there was in deed a refund owed to me by XXXX XXXX and the Dealership. Both XXXX  and Equifax continue to allow XXXX XXXX to report every month and tell me that as long as they are reporting every month, the account will show up on my credit reports. However, both XXXX  and Equifax still are ignoring that the information XXXX XXXX is reporting is incorrect and again not accurate with regards to this account is supposed to be closed and the amount they are reporting for the two payments they say I owe, doesnt equal the amount of the two payments I paid. Please read the attached documents from XXXX XXXX sent to me! XXXX  and Equifax are ignoring the documented letters and ledger I have provided to them which disputes XXXX XXXX information. The attached documents are from XXXX XXXX ; I am no longer responsible for this account because it was a repurchase by XXXX. So they need to contact the manufacturer if they feel they are to be paid {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I CHECKED MY LAST 10 TRANSACTIONS ON XX/XX/20. ON XX/XX/20 THERE WAS A CHARGE FOR XXXX MADE TO MY ACCOUNT FOR A COMPANY CALLED XXXX XXXX FOR MY XXXX XXXX. I HAVE NEVER CONTACTED OR PURCHASED ANYTHING FROM THIS COMPANY. I HAVE TRIED SINCE XX/XX/20 TO RESOLVE THIS ISSUE WITH BANK OF AMERICA WITH NO RESULTS. I HAVE SPENT ALMOST EVERY DAY ON HOLD WITH THEM TO CORRECT THIS, FOR A TOTAL OF 27 1/2 HRS, AND I STILL HAVE NOT BEEN ABLE TO TALK TO ANYONE IN THEIR CLAIMS DEPT. NOT TO MENTION I HAVE TO GET UP AT XXXX XXXX TO CALL WHEN THEY OPEN. EVERY TIME I HAVE CALLED I SIT ON HOLD FOR BETWEEN 1 TO 3 HRS AND NEVER GET ANYONE ON THE PHONE. I HAVE ALSO TRIED THEIR WEB SITE AND IT SAYS THEY CANT FIND MY ACCOUNT. WELL, THATS FUNNY BECAUSE I HAVE RUN ALMOST XXXX THRU THIS ACCOUNT. I WANT THIS CLAIM PAID. I NEVER BOUGHT ANYTHING FROM THIS COMPANY. I CANCLED THE ORIGINAL CARD ON XX/XX/20 WHEN I FOUND OUT ABOUT THE FRAUDULANT CHARGE AND WAS ISSUED A NEW ONE.

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 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
United States VA Regional office deposited compensation benefits XXXX to fifth third bank acct. Fifth third bank employee told me verify the amount and refused to acknowledge deposit XXXX XXXX benefits!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I reached out to Chase Bank on XX/XX/20 and attempted to settle an outstanding debt. After agreeing to a settlement amount, I was asked if I would like to pay over the phone. I instructed the representative that I would not and instead would like to pay via a check. I was then told that Chase already has my bank account information, and I agreed to pay over the phone. I then responded that I agree to the settlement amount but not to pay over the phone. I then responded that I would pay the amount via money order. The representative then told me that my settlement agreement might not arrive on time as it was coming from The US postal service and that I would not know where to send the settlement if I chose not to pay over the phone. I then responded that I have the right to pay via money order and that If it's through the US postal service, I should receive the letter. This is a case of misinformation and harassment to get me to pay via my checking account over the phone, which I said I was not comfortable doing. After this exchange, the representative said he could no longer hear me. He wished me a good day and hung up. I called chase back and had my bank account removed from their system and had their team confirm where my payments should be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Again, i write to you in frustration. Chase Bank will not send cash back via ACH, and continues to forget to send the email to allow me to get the ACH. 
This time is for almost {$4300.00}. I do not want a check in the mail, and i have zero plans to use an ATM. 
Last time i went to a Chase bank branch ( XXXX, NY XXXX XXXX corners ), the person in front of the line for the ATM had no mask.

This is the 2nd time chase gave me this issue, and the third time ive had to contact you over this banks malpractice. 
The same XXXX  who run Chase bank and Chase card services have XXXX ability to send cash to the same client between these departments. 
This is a slowdown of the speed of money, and is a accounts payable scam. Please Punish these degenerates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Social Finance, Inc.
State: RI

Complaint narrative:
Sofi Securities charged {$20.00} to my XXXX checking account in 2 transactions once for {$10.00} on XXXX XXXX and again for {$10.00} on XXXX XXXX but posted only {$10.00} total to my Sofi Securities account and will not refund duplicate settled {$10.00} bank charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: NY

Complaint narrative:
Hello, I submitted a dispute in XXXX and I still have not heard back from the credit Bureau. The same thing has happened in XXXX, XXXX, and XXXX. Please take a note on why my disputes are not being address, I feel there is a bias towards my file. At the very least I would get a letter with the out come of the investigation but this year has been a total disregard for certain people.

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I submitted a dispute in XXXX and I still have not heard back from the credit Bureau. The same thing has happened in XXXX, XXXX, and XXXX. Please take a note on why my disputes are not being address, I feel there is a bias towards my file. At the very least I would get a letter with the out come of the investigation but this year has been a total disregard for certain people.

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 2020-11-02 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: NY

Complaint narrative:
Hello, I submitted a dispute in XXXX and I still have not heard back from the credit Bureau. The same thing has happened in XXXX, XXXX, and XXXX. Please take a note on why my disputes are not being address, I feel there is a bias towards my file. At the very least I would get a letter with the out come of the investigation but this year has been a total disregard for certain people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am in the process of changing banks and wanted to check on the status of a security freeze on my credit information. I have been able to log into experian.com to check the status. Nothing has worked to gain access in spite of entering some confidential information. 

The first time I contacted Experian to add a security freeze was on XX/XX/XXXX after the XXXX debacle. Further, The last email I received from Experian, dated XX/XX/XXXX, confirmed that : Security freeze already on report. I have not removed this security freeze as of this date. 

And, I have been unable to reach Experian by phone ( XXXX ). In my opinion, if you publish a phone number, it should be answered rather than giving a person menu options that lead nowhere.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2020 I received a US Bank Reliacard Debit card that I never applied for. The card was issued to me in conjunction with an unemployment compensation claim which is fraudulent and that I never applied for.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
They have illegally marked me as past due, and haven't corrected it.

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 2020-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital failed to remove the charge off status from a XXXX balance account that was closed in XXXX and was compromised. The account has XXXX balance and they stated that it would be in closed, good standing. 

The account was opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: MT

Complaint narrative:
I paid off my auto loan with Ford Credit because I had sold my car and needed the title to complete the transaction. I paid off the vehicle with Ford Credit on XX/XX/2020 and expected the title within 7-10 days. 
I have contacted Ford Credit on two occasions in the month of XXXX and one time they told me the title would be coming any day ( 7-10 days after they released the lien to California DMV ) and the other they provided a number to a third party company ( registration XXXX XXXX in XXXX CA ) that sent me a bill for {$250.00} to do the necessary paperwork to get me a title. 
I believe that Ford Credit has breached our contract by not providing the title. In fact not only have they not provided title they directed me to an outside vendor that wants to charge fees outside of our contract to finance the vehicle. My buyer has moved on and I have been forced to maintain insurance on the vehicle until the title gets to me and I can sell it again. I believe that without the title consideration has not been made by Ford Credit to me. 
I live in Montana now and provided Ford Credit and the state of California with my new address. I moved to Montana and updated my address with them before my payoff. 
My understanding of my contract with Ford Credit was that they would provide me with a title when our contract was fulfilled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 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: FL

Complaint narrative:
EXPERIAN CREDIT SERVICES, continuo to report a fraudulent account in my report that is the result of Identity theft i have provided all documentation to experian and XXXX CREDIT CARD # XXXX of the illegality of this account, identity theft report from FEDERAL TRADE COMISSION, XXXX COUNTY SHERRIFF REPORT, IRS IDENTITY THEFT REPORT and continuo reporting this Ilegal account in my report I have requested the help the state attorney, FTC, and lastly your. 
The solution is to remover this fraudulent account 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 2020-11-02 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: CA

Complaint narrative:
Experian makes finding the freeze/unfreeze option on their website extremely difficult, even for a young tech savvy person. Instead, they push their monthly subscription or 1 time fee services ( scans and locks ) continually.

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In mid XXXX I noticed that my Equifax credit score dropped dramatically when there had been no change in my account activity. I logged in to see what was going on and noticed that 1 ) My first name was now misspelled, and 2 ) An address where I never lived had been added. I filed a dispute on both counts, uploading a passport and drivers license to confirm my identity. 

I filed a dispute in mid XXXX and received a notice earlier this week that it had been corrected. When I logged in yesterday, neither error had been corrected. 
I filed a new dispute and received notification today that the correction had been made The dispute numbers are : XXXX XXXX I called this morning to alert them to the problem and an incompetent call attendant did not understand the problem, then told me I had to upload my social security card -- when the instructions did not say it was a requirement. She then claimed she corrected both issues, but did not understand why I was concerned that this incorrect information was now in my file. I asked to speak with a supervisor, and she said yes then disconnected me. When I logged back in the errors were still in my file.

Company response to consumer: Closed with explanation