vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments weresupposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates were XXXX, XXXX I was an authorized user on that XXXX XXXX account and I have been removed from that account that I am not financially responsible for. The owner of that account has since had the Late Payments removed from her accounts due to the CARES ACT that calls these agreementsaccommodations. She had no income and was unable to make any Payments as an act of a natural disaster ( Pandemic Shutdown ).

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 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Regarding two accounts on my credit bureau reports from one reporting entity : The entity reporting is Portfolio Recovery Associates, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 

Account # 1 involves a closed consumer credit card account. Portfolio Recovery Associates is reporting my current balance as {$1800.00}. This account was settled on XX/XX/XXXX for {$1000.00}. Since then I have been making regular monthly payments. My current balance is {$280.00}, with another payment of {$95.00} due on XX/XX/XXXX. 

Account # 2 is also a closed consumer credit card account. Portfolio Recovery Associates is reporting my current balance as {$1500.00}. This account was also settled on XX/XX/XXXX for {$870.00}. Since then I have also been making regular monthly payments to Portfolio Recovery Associates on that account. My remaining balance is {$740.00}, with another payment due to that account on XX/XX/XXXX. 

I have contacted Portfolio Recovery Associates three times in the past year. Each time I was told that there was nothing " inappropriate '' about the company 's reporting. During our last conversation this past XXXX, I pointed out that my debts were " purchased '' in XX/XX/XXXX ; and reminded the representative of the settlements reached in XX/XX/XXXX. But when I asked why the company started erroneously reporting what I owed more than three months after those settlement agreements, I was rudely informed that if I " had a problem with the company 's reporting '' that I " could always hire legal counsel ''. With all due respect, I found that offensive. 

Since then I wrote to all three national credit bureaus with a dispute. Each one replied that my dispute " Meets FCRA Requirements '' ; after which my credit scores rose dramatically. Within days, however, my scores dropped back to their previous levels. Each of the three credit bureaus changed my status from " Meets FCRA Requirements '' to " Dispute Resolved, Consumer Disagrees '' ; even though, however, there was no follow-up between me and any of the three credit bureaus.

As a frontline healthcare worker, I had my full-time status changed last XXXX to " per diem ''. In XXXX of last year, my employment status was elevated to " part time ''. Despite my changes of income status, however, my monthly payments to both of the above accounts has consistently remained on time. Account # 1 will be paid in full as agreed on XX/XX/XXXX. Account # 2 will be paid in full by the end of this year as agreed. I therefore feel inappropriately targeted for debts that I am settling as agreed. 

Thank you in advance for your understanding. I await your determination and reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
During the last week in XX/XX/2019 -- just a day after making a deposit on my Bluebird Amex Prepaid money card I noticed that funds were missing within the account. I began to panic -- immediately calling customer service, looking over transactions, etc. 

A skimmed event perhaps, they pulled out approximately : {$120.00} dollars from an ATM at XXXX XXXX station in XXXX XXXX XXXX MN. 

The customer service team at their offshore center was not very obliged nor friendly when mentioning my card being breached, and funds were missing. They wanted to connect with my money account with Aspirations bank, to verify that the account was mine. Failed a connection. Several calls were made throughout the year, an FTC report was made and included in an identity theft report with the XXXX Police department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments weresupposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates were XXXX, XXXX I was an authorized user on that XXXX XXXX account and I have been removed from that account that I am not financially responsible for. The owner of that account has since had the Late Payments removed from her accounts due to the CARES ACT that calls these agreementsaccommodations. She had no income and was unable to make any Payments as an act of a natural disaster ( Pandemic Shutdown ).

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 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase claims that my interest rate is XXXX. In reality this is not true as they compound the interest DAILY which means I am paying interest in interest. This my 14.99 % APR means I really pay 16.16 % ( EAR ), thus u have to go thru the fine print and u see they compound it daily which costs me a lot of money annually, quite a bit on my XXXX balance. This is wrong, deceptive, and has been allowed too long. If they say 14.99 % APR it should be that way where interest is only compounded annually. Since they claim XXXX instead of XXXX they are defrauding the public in the name of corporate profits. I know that due to intensive corporate lobbying that this is unlikely to change as they make billions from these shenanigans. At least publicize them and get them to report the TRUE interset that you actually pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX TRANSUNION and XXXX continues to violate a host of my rights as a Consumer. 15 usc 1681b ( 2 ) and 15 usc 1692. They are breaking federal law. They are infringing upon my right to privacy as a Consumer and continue to damage my reputation. Whats the point of having FCRA and FDCPA Laws if they arent going to be enforced? How are they getting away with this? I want the accounts attached to this complaint removed immediately or I will seek litigation and get what Im entitled to under 15 usc 1681o and 15 usc 1692k. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

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 2021-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Scott Fetzer Financial Group Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent two letters via certified mail to the three credit bureaus and they have refused to delete the incorrect information. I gave them my only personal information to include my name, address, phone number, and employer. The first letter was in XX/XX/2021, the second letter was XX/XX/2021. It is my belief that the over 16 addresses, 8 aliases, and 9 different phone numbers were provided by some persons or companies that have not yet provided verified proof of debt. I have provided proof to all three credit bureaus of my only name, current address, phone number, and employment. This is detrimental to my credit as I am currently attempting to purchase a home. I have already been denied twice ; me and my family are suffering from the three credit bureaus lack of action.

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 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Remitly, Inc.

Complaint narrative:
I sent money using Remitly ( https : //www.remitly.com/au/en/philippines ) last XXXX XXXX. on the next day I noticed remitly double charged my account without my authorization. They mentioned that their payment portal is on error. After few days, they refunded my money from the double charge but I had overdrawn fee from my bank/ I requested refund of {$15.00} from remitly to my bank account - but remitly failed to do so. I made lots of communication to remitly but don't want to process the refund - in the first place its them caused this trouble. 

Can you please help me as I know there are lots of remitly user had experienced this as well. 

Please contact me in my email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is wrong on my credit reports and it is causing some issues with my verifications. My name is spelled wrong a few time the only name on my report should be XXXX XXXX no other name or variation should be there please delete remove any other spelling. My only address that should be on my report is XXXX XXXX XXXX XXXX OH XXXX. Please remove any other address. I was compromised and I need to protect the integrity of my credit profile. My DOB XX/XX/XXXX My SS XXXX. Please remove any other date of births of SS numbers. Please delete the following numbers they are not mine at ALL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There are two accounts that are not correct on my report XXXX/XXXX # XXXX error please delete this account should not be listed. XXXX XXXX XXXX # XXXX please delete this account it is a error as well never verified. XXXX XXXX XXXX # XXXX account is reporting an account that is not late at ALL please delete. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that IT has made. It is the result of identity theft

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 2021-02-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experien is reporting a false debt and will not verify that the debt is obviously false. 

At the EXPERIEN site they are busy trying to sell you service after service. I've successfully removed an XXXX Debt at three other agencies because 1 ) The debt doesn't exist 2 ) The company XXXXXXXX is collecting for doesn't APPEAR to exist- some sort of Dentist according to XXXX 3 ) I haven't lived in XXXX in 20 years -- and EXPERIEN is reporting the addresses I've lived at 4 ) XXXX has a reputation for collecting fake debts. They've put the amount just high enough it doesn't make sense to hire a professional company to combat them. And they placed the debt EXACTLY as my bankruptcy was removed -- the guy I called there laughed when I told them I knew what they are up to XXXX ) The statute of limitations on debt in California is 4 years and according to Experien the debt has been attempted to be collected for since 2016 ... but the debt wasn't on my report in 2016. 

EXPERIEN is part of this attempt to rip me off as far as I'm concerned. And EXPERIEN has done this before. They failed to follow through on a dispute and later the company refunded the money the collection agency forced me to pay -- in order to get a mortgage. THAT PAID COLLECTION ACCOUNT COST ME THOUSANDS of dollars in the form of a higher mortgage rate. 

And now Experien is doing it AGAIN The information Experien already had contradicts this debt. And their website says they don't have to let me contest the debt 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 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
I had sold a phone i got and called my cell phone provider XXXX to close the account and cancell my service. They said they will get it taken care of. Got a bill in the mail a month later with ridiculous chargers. They never closed the account and the person I sold the phone too was using my old service which wasnt an unlimited plan. 

I call and dispute and they said they would fix it and dont pay the bill. So I dont Then I get 2-3 more bills in the mail with late fees and more charges from the provider. I dispute again and they tell me that I never asked to close the account. Which I did. So then they finally close the account and they tell me that I still owe that money even tho they messed up big time. 

I create a XXXX complaint and have corporate call me 3 times. By now they already but my stuff into collections still while its in a dispute phase. And they said they would look into it and they apologized but they never got back to me. When I followed up I got the head of corporate on the phone and they ensured it was going to be taken care of. 


3 years later its still in collections and they are still trying to collect a debt I dont owe. I disputed the debt with the collection agency multiple times. And they hang up ever single time. I call them back and they still hang up. 

I recently successfully disputed it without a hang up and they still are destroying my credit with false claims. I told them to send a itemized bill and proof of debt and they havent sent anything to me. No proof that its owed and no proof that it is my debt. 

Yet its still impacting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: FL

Complaint narrative:
I have sent two letters via certified mail to the three credit bureaus and they have refused to delete the incorrect information. I gave them my only personal information to include my name, address, phone number, and employer. The first letter was in XX/XX/2021, the second letter was XX/XX/2021. It is my belief that the over 16 addresses, 8 aliases, and 9 different phone numbers were provided by some persons or companies that have not yet provided verified proof of debt. I have provided proof to all three credit bureaus of my only name, current address, phone number, and employment. This is detrimental to my credit as I am currently attempting to purchase a home. I have already been denied twice ; me and my family are suffering from the three credit bureaus lack of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: INVESTORS BANK
State: NJ

Complaint narrative:
On XXXX XXXX I had Investor 's Bank, XXXX XXXX, N.J. withdraw {$6400.00} from my savings account and make a certified check out to XXXX XXXX Visa. XXXX claims this check was never received and is now missing for over 5 weeks. Investor 's REFUSES to put a STOP payment on this check UNLESS XXXX signs a form saying it wasn't received. XXXX customer service told Investor 's Bank manager XXXX XXXX they WILL NOT SIGN ANY FORMS. INVESTORS now refuses to put a stop on this certified check and reimburse my account. I want a stop payment put on this " missing '' {$6400.00} check and my account reimbursed ( I will do an electronic transfer in the future ). 

XXXX XXXX Investors Bank. XXXX XXXX ( tel. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Loan is # XXXX I drove into the dealership with my XXXX XXXX in immaculate working condition. The interior needed a little TLC however, there were no mechanical issues. I was shown a XXXX XXXX XXXX listing price $ XXXXShortly after, the gentleman who showed me the car sat me down with the finance guy. 
Who stated after taxes and interest the price will be {$24000.00} I told him I will NOT be able to afford it. 
He stated after trading in your XXXX XXXX the price will go down. There were blank spaces on the contact, which I was told NOT to worry about, because it will be filled in later. 
After trading in my XXXX the price actually went up to appx {$32000.00}. 
The guy said dont worry when we trade in your XXXX the price will go down ( he reiterated XXXX. He continued to say In addition, youre paying it over a period of time so your payments wont be that much ... After being manipulated, I fell for the deal ; and was badly taken advantage of. 

I spoke with my childrens father and he told me I have been robbed, and to take the XXXX back, and ask for my car. 
I took the car back and requested out of the deal, and ask him to please return my XXXX. He replied, its gone!? 
Mind you only 3days went by. 

Moreover, the luxury features promised to me were not working i.e. the XXXX Cue and the memory seat button.. on XX/XX/XXXX I learned through one of Santander/Chrysler Capital manager, mister XXXX  that im included in the $ XXXX Multi state class action settlement. 

So far I have paid out Approximately {$7000.00} ... Moreover, My XXXX XXXX valued at {$8200.00} at the time. However, I was supposed to be giving a {$3500.00} trade in value instead, which was never placed towards my financing. Nor, did I receive cash or check in said amount. 
Now, there is a current loan balance of approximately, {$17000.00} which totals up to approximately {$32000.00}. After adding up my trade in, and all the monies I paid out plus my XXXX. 
Numbers DO NOT LIE! 

In addition, many other representatives at Santander/Chrysler Capital as well as XXXX XXXX ; have ALSO Confirmed on a recorded conversation that I am included in the {$550.00} million settlement. I am a victim of predatory lending, and Santander Chrysler Capital continues to victimize me. Settlement link below.. 

Www.santandermultistateagsettlement.com Santander/Chrysler Capital are going against a court order as my loan was settled through litigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I got behind on my mortgage payments due to my company placing me on a administrative leave of absence due to internal investigation due to no fault of mine and prior to this my hours had decreased due to COVID-19 at work bc my kids were having to do remote learning and I had no sitter for work. So I was already struggling to make payments and then I was unemployed until XX/XX/XXXX with only unemployment money being received. I inquired about the hardest hit fund but was told that it was closed and not accepting any more applications so finally in XXXX I was approved for forbearance for my mortgage after continued delays in the application process. I made my {$50.00} a month payment as directed for XXXX and XXXX and I was notified in XXXX that mr cooper had transferred my loan to XXXX XXXX. Well today I get notification that I have a major delinquency on my credit report from mr cooper and it states my mortgage is 120 days past due causing my credit score to decrease 27points in one day. I was told that as long as I was in forbearance and making my trial payments on time then my mortgage would not be reported as delinquent to the credit bureau. I attempted to reach out to mr cooper but couldnt get issue resolved

Company response to consumer: Closed with explanation