vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from XXXX  XXXX XXXX on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by XXXX XXXX XXXX and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with XXXX  XXXX XXXX as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. XXXX  XXXX XXXX still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.

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 2020-12-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I notified Experian in XX/XX/2020 of a bankruptcy showing up 3 times on my Experian credit report. I advised them that I did not have a bankruptcy. They replied back that their 3rd party supplier of information ( XXXX XXXX ) provided the information and said it was verified and true, I contacted the court directly who conducted a search with my name, and social security number, they sent me a letter stating no such accounts of cases exist under my social or name. Contacted XXXX XXXX who then sent me a letter they were unable to find any information on me having bankruptcy 's. I then sent the letter from the court and XXXX XXXX to Experian and the other 2 credit bureaus, Both XXXX XXXX and XXXX removed all 3 wrongly listed items, Experian refuses to remove stating they have received verification from XXXX XXXX, I then obtained a police report showing the information was fraudulent and not mine, Experian still refuses to remove the inaccurate information even though i have provided a police report, Letter from Court and the letter from XXXX XXXX both showing I have no such court or bankruptcy case. Experian is causing irreparable harm to my credit reputation and are in violation of the fair credit reporting act as I have a preponderance of evidence showing these aren't my accounts.

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 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Management Services, Inc.
State: MS

Complaint narrative:
Did not provide me with a copy of my rights Requested itemized statement of debt from company several times and was not provided with one within 5 days per my rights. 
Screamed at me on the phone and would not put me in contact with a supervisor. 
Continues to call me after I have requested them not to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: CL Holdings LLC
State: RI

Complaint narrative:
I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 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: NC

Complaint narrative:
Use of alias names. Not used by me. Someone's error in using my name. 
Repeated information about one account using multiple account numbers. 
Repeated soft inquiries by Auto sales personnel resulting in lowered scores to adversely affect opportunity for purchase at lower cost. Illegal increasing costs.

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 2020-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had {$800.00} withdrawn from my savings account and have not been able to recover my money. Chase had reversed the funds than withdrew them after they denied the claim. The transaction was made physically at a Chase branch location in the city of XXXX XXXX. There were 2 prior withdrawals made from the same location from my savings those 2 separate transactions were for {$1000.00} and {$750.00}. Chase reversed those transactions which were made in the same fraudulent manner. I have exhausted many hours calling them to try and resolve this issue. They requested documents from my employer regarding my work schedule to prove that I was at home working remotely when this transaction was done. I tried filing a police report and was told that there was nothing that they could do since it had to be filed by Chase. I've requested from Chase to review the ATM camera footage so they can see it is not me that made any of these transactions, to which I've been told they can't unless they get a subpoena request. I was told by the claims department that there are con artist dedicated to making copies of the ATM cards and since I had not changed my pin when i was issued a new card that's how they were able to do it. I was issued a card and I went in to a physical branch to have my pin changed. I have spoken to numerous Supervisors at the Claims department to be told that I need to take this outside of Chase to try and pursue getting my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX The complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my husband ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold a product on XXXX, the buyer paid PayPal. The funds are in my PayPal account but PayPal will NOT transfer the funds to my XXXX checking account as they have done in the past. The amount is {$1600.00} due me. An error message keeps coming up, " sorry there is a problem ''. I have contacted PayPal several times and they have an excuse that the transfer is blocked. They recommended I contact the Consumer Protection Bureau for legal help. I am XXXX years old on a fixed income of {$800.00} a month and I need my funds. I guess what they are saying is that it is going to take legal action to get them to transfer my funds to my XXXX checking account. Their computers flagged it as fraud. MY FUNDS, from a legal XXXX Saale, transfer to PayPal, and their computer has blocked a transfer of MY FUNDS. Sounds like chicken XXXX excuse to me. MY FUNDS, MY XXXX checking account, how do I get MY FUNDS transferred. Unbelievable!!!! XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX  ) and XXXX ( XXXX  ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX  and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my husband ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Equifax must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The complaint numbers were XXXX ( XXXX  ), XXXX ( XXXX  ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian  and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my husband ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I 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.

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 2020-12-02 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: CA

Complaint narrative:
On XX/XX/2020 I 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.

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 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
ABOUT 2 1/2 YEARS AGO MY FICO SCORE PLUMMETED OVER 100 POINTS. I CHECKED MY CREDIT REPORT AND FOUND OUT A XXXX ACCT. WAS OPENED FRAUDULENTLY IN MY NAME. I CONTACTED THE 3 CREDIT BUREAUS AND THEY DID THEIR INVESTIGATION AND REMOVED IT FROM MY REPORT. 2 1/2 YEARS LATER THIS SAME FRAUDULENT ACCT. APPEARS ON MY CREDIT REPORT, ONLY THIS TIME A COLLECTION AGENCY HAS IT. THE SAME {$180.00} BALANCE FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
Account was dispute it and deleted for inaccuracies and they added it back after fraudulent activity and now theyve put the collection under a different Company to be fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Bread Financial Holdings, Inc.
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 response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 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: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello. 
Thank you for your assistance. 
On XXXX XXXX XXXX my debut card was lost/stolen. The thefts rang {$450.00} worth of things on my acct. mainly from gas stations and grocery stores where PINs arent required. 

My complaint is Chase Bank is Holding me responsible for the charges. No Pin was ever entered and card was reported stolen and turned off XXXX XXXX. 
They are trying to say that due to a financial misunderstanding with a merchant back in XXXX who was double charging me ( XXXX ) They saying thats card was never closed and because of that Im responsible for all these fraudulent charges amounting to {$450.00}. 

I am On XXXX, I only get {$1000.00} / month. 
No way did I do this, but the bank is refusing to give me back me money. 

Please Help. I did Everything I was Suppose to do, reported card lost / Stolen as soon as i was Aware and turned card off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. Company failed to give notice or reason why this account is late, then reporting negative things on my account, why is that? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DEPT OF EDUCATION/XXXX XXXX {$23000.00} XX/XX/2018 DEPT OF EDUCATION/XXXX XXXX {$9100.00} < -- -- Please see attached documents, accounts are NEVER LATE also INACCURATE DATA placed on my report, either EXPERIAN or the Creditor is DAMAGING 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 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I believe someone has stolen my identity and opened a Checking and Savings account in my name using SunTrust bank. I moved to XXXX, XXXX on XX/XX/2020 and noticed as soon as I arrived that someone had access to my personal checking account through XXXX XXXX XXXX and was trying to get money out of a SunTrust ATM in XXXX using my account information. They successfully made two transactions but were denied for the other transactions they tried to process. Once my bank account was placed on hold, I went to the bank and filed for fraud for those ATM transactions, which was then resolved by XXXX XXXX XXXX Fraud department and SunTrust bank. I hadn't heard anything since the resolution and have been checking my accounts frequently for anymore suspicious activity. 

Since my move, I have changed my mailing address and I had my mail sent from my parent 's house in XXXX to my new apartment in XXXX on XX/XX/2020 at which time I had a couple of pieces of mail from SunTrust bank regarding " my account '' which included a debit card, pin information, and overdrawn balance forms and fees. The checking and savings account at SunTrust was originally opened on XX/XX/2020 and was closed on XX/XX/2020 with a {$170.00} balance due. 

I have since filed a police report through XXXX XXXX Police Department in the Fraud division, filed a fraud report through SunTrust bank, and am working on getting my social security account and number figured out because there could be more of my identity other than my financial information that has been compromised.

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 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I discovered a Portfolio Recovery account " Placed for Collection '' only after pulling my credit report. Portfolio Recovery did not abide by the rules of the Fair Debt Collections Practices Act as I never received a notification by letter, email, or phone call from Portfolio Recovery, and was denied the right to validate or dispute this account. Furthermore, Portfolio Recovery, without my knowledge, furnished this collection account to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: SC

Complaint narrative:
On XX/XX/2020 I, XXXX XXXX XXXX, entered a consumer credit transaction in which I was the creditor and the seller with Carvana. Because there was a finance charge involved pursuant to 15 usc 1605 they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a cash down payment which means they are liable to me in the amount of double the finance charge. They also failed to give me any material disclosure disclosing that I have a right of rescission.

Company response to consumer: Closed with explanation