vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TX

Complaint narrative:
I called Chase Bank to dispute an amount on my statement. Here are the events that follow : * I called Chase Bank and told them that the merchant was not authorized to charge me * Two representatives refused to dispute the amount * Then I was routed to their managers and she agreed to file the dispute * After she filed the dispute, the dispute was closed a few seconds later not in my favor * I check on Chase.com Web site to see the reason. It was a fraudulent letter to me, absolutely a lie : " The merchant reviewed your dispute, but didn't find evidence of a billing error. You're still responsible for payment and will see a charge equal to the disputed amount on your next statement. If you received a temporary credit while your dispute was under review, it'll be removed. '' * I called back and they admitted that Chase Bank never contacted the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have no contacted Nelnet twice about my loans. I went back to school in XXXX of this year, but have continued to make monthly payments. I select the accounts I want to pay towards, however my payments do not appear applied correctly. I understood that interest was suspended during COVID, but I continue to be charged interest on some accounts. When I access an account, the interest is not reflective of what I have been charged. The entire account and payment profile is confusing and not straight forward. When I call, I am unable to receive an explanation and/or answers to my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I sent a letter dated XXXX requesting to close my account because I can't afford the membership fee because I have been out of work due to XXXX. I also asked Capital One to consider waiving my membership fee, and I would keep the card. 

My account was closed on XXXX XXXX XXXX, and my membership fee was not credited to my account. I called on XXXX and spoke to a representative, and they said they couldn't remove the membership fee. 

Why would Capital One cancel my card AND charge me a membership fee for a card that I can't use or afford? 

On XXXX I sent an email to XXXX XXXX XXXX of Capital One in an attempt to get a fair resolution. 

I received a phone call saying that my fee cant be waived because I missed the timeline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KeyStone Financial ,LLC
State: SC

Complaint narrative:
Before I was laid off I was paying debt to Keystone financial and once I was sent home several days a week so my checks were short then I was laid off my job I told them every step of the way. I've been laid off since XX/XX/2021. I just really started getting my unemployment and I have to budget that for lights, rent, gas, phone, food, and car insurance. I've tried to work with them and on Friday XX/XX/2021 I was called and I was at a wedding and when the wedding was over I really forgot about the call. On Sunday after church I had a voicemail from XXXX and the message was from Saturday XX/XX/2021 and on the message he told me that he thinks I'm dodging him and that he is coming to take my car! The number he called me from on Saturday I didn't answer because it was a number I didn't recognize from Maryland and come to find out when I checked voicemail it was XXXX 's personal phone and he called me on Saturday when the office isn't even open. When I applied for the loan I didn't realize the interest amount and they paid off a title loan for me and now they say I'm in debited to them for {$8100.00} off of a {$2000.00} dollar title loan. I'll never be able to pay this off and I'm afraid he's gon na come and take my car. I'm wandering how am I suppose to live if I give them all the money I'm getting for unemployment. I really hope that you can help me with the situation at hand. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: CT

Complaint narrative:
I entered a consumer credit transaction with the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA.

I pulled my credit report and disputed items on my report to XXXX, XXXX AND TRANSUNION. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act the didnt notify me of the investigation results within 30 days. 

Thank you 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 2021-11-17 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: CT

Complaint narrative:
I entered a consumer credit transaction with the following companies : XXXXXXXX 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 and XXXX XXXX XXXX credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 
I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act the didnt notify me of the investigation results within 30 days. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I have written letters to the unauthorized companies to resolve the matter. I most recently sent letters on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE BANK USA ***** Opened XXXX XXXXXXXX XXXX Balance {$3000.00} CAPITAL ONE BANK USA NA XXXX Opened XXXX XXXX, XXXX Balance {$3000.00} CAPITAL ONE ***** Opened XXXX XXXXXXXX XXXX Balance {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TX

Complaint narrative:
Hello I never attended this place /college

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 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recieved payment from CA XXXX XXXX XXXX XXXX. Deposited it into my Chase checking account. First was advised 3 day hold, then it went to 5, then 7-10, now it is at 21 days and they are telling me the hold is indefinatley. They are trying to verify the validity of the check, but say they have no contact number for the writer, who also happens to be a Chase customer. The rent relief program advised me the check cleared their accountXX/XX/2021, and that Chase has had the funds since then. Chase wont accept any documents from me ( award letter, email conversations between myself and writer, copy of canceled check ) and have told me too bad they can do what they want when they want and dont have to give me a reason, read the fine print. In the mean time i was required to pay my landlord with these funds within 14 days of recieving them to prevent eviction and i am unable to because they bank wont release them. So now im facing eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt. 
FIRST FEDERAL CREDIT ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ***** Opened XXXX XXXX XXXX Balance {$110.00} FIRST FED CREDIT CONTROL ( XXXX : XXXX XXXX XXXX XXXX ) ***** Opened XXXX XXXX XXXX Balance {$110.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

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 2021-11-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Mortgage lender is not able to pull credit report from Equifax. When pulling the report - in the credit bureau errors it states " Equifax remark : Information form you inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery '' - " inquiry information as fraudulent by consumer- report not available '' I have called 7 times and I keep getting the same answer every time I call " everything is fine on our end. We don't see any fraud alert on your account or any freeze ''. Everything is accurate in my credit report. I have access to my credit report online and everything look accurate so not why there's an issue with the lender pulling the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
santader bank is based out of texas and they call 5-10 times a day looking for an unknown individual. They dont care about public complaints if you check online this company is facing alot of complaints they seem to conning their customers also. 

Have never dealt with them this phone is the only connection. 

Nb my email is XXXX Please note some of their alleged customers may be victims also.It is almost impossible to stop a rogue bank from harassing people because they seem to well financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on CREDIT MANAGEMENT CONTROL ( XXXX XXXX XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
CREDIT MANAGEMENT CONTROL ( XXXX XXXX XXXX  ) ***** Opened XX/XX/2021 Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The Company is PayPal. The issue is the company had changed the due date of the account. The due date was the 8th of every month. They never sent a notice informing that the account was pass due. I Called them and told them the due date was the XXXX of the month. They said we made a change on your due date to the XXXX of the month. I mention when did you make the change. She wasn't able to tell me. I asked How did you notified me of the change she was able to tell me. I asked for a copy of the change She was able to send it to me. the Payment on the statement said due XX/XX/XXXX for {$79.00}. They said they would credit my account {$60.00} .which would live a balance of {$19.00}. She said no you will need to send {$79.00}. The {$60.00} never was credited to my account I did pay the {$79.00}. Now it looks to me they have a cash flow problem and they created an overcharge and they cut my credit line that now the account will get hit with more fees. This was done to me now multiply XXXX by XXXX XXXX customs this is a lot of money they have over charged 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