vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 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: GA

Complaint narrative:
Recently It was finally discovered there were two credit files that needed to be merged with Equifax. I recently filed a complaint against Equifax XXXX ... It was discovered by XXXX XXXX XXXX XXXX XXXX after contacting business equifax of the two files. I verified info last week of XXXX having them finally mergeged with the 2 loans disputed added on 1 file! Now my delima is my score represented of the change of BOTH FILES BEING MERGED RECENTLY ... PLEASE ASSIST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
still reporting old debt that's is still on my credit report and I filed XXXX XXXX bankruptcy last year. so the information should have been up dated by now. cause I got the discharge on XXXX of last year.

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 2019-04-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I receive a letter from XXXX with my incorrect address XXXX XXXX  XXXX XXXX, Ca,XX/XX/XXXX in which PO Box is closed and XXXX has my new mailing address on their data. 

XXXX is sharing my private information to XXXX in XXXX in which I don't live in XXXX.This is a violation of Federal Laws in United States. Why is XXXX sharing my private information to XXXX and ruining my credit with Derogatory remarks and unauthorize inquiries. 

On XX/XX/XXXX XXXX credit reporting agency has placed the derogatory remarks of lates payments of XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in which XXXX has deleted the derogatory remarks on XX/XX/XXXX. 
XXXX  and XXXX has communicated with each other in placing the derogatory remarks back on my credit report with XXXX. 
This is a Retaliation and Discrimination againstt me as a XXXX XXXX XX/XX/XXXX and US Military Veteran and my XXXX  XXXX. 
XXXX, XXXX, Experian and XXXX XXXX XXXX has violated my XXXX XXXX Civil Rights Act under Department of Justice. 

I am XXXX XXXX, XXXX and a US XXXX XXXX Military Veteran.

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 2019-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I was chatting with a woman around XXXX XXXX. on XX/XX/27 on XXXX and was trying to buy concert tickets. After coming to the conclusion that she seemed legit, I agreed to buy them and sent the payment. However, immediately after things became fishy. She told me that I needed to send another payment via PayPal because her account wouldn't work and that she would refund me. After chatting with PayPal, there was no refund received, and I got no tickets in exchange. She of course did not respond to any of my messages and PayPal can't do anything because it was sent via a friends/family payment. Please help me get my money back and convict this horrible thief. I can reach out to PayPal for confirmation and share the full XXXX message string.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This issue is with CMRE Financial Services , Inc XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX I have paid off this collection account and i am currently applying for a home mortgage. I called CMRE this morning to have them take off this account from my XXXX and they said that they DO NOT take off information about the collection from any reporting agency. This was a medical bill. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX reported on behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dates : XX/XX/2016 XX/XX/2016 XX/XX/2016 and ... 
XXXX  XXXX reported on behalf of : Exeter Finance XXXX XXXX XXXX # XXXX XXXX, TX XXXX this information is false. Please have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: NY

Complaint narrative:
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 2019-04-01 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: GA

Complaint narrative:
Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I opened a second account with PayPal for my new business. I thought I could use a pseudonym when opening the account as this was for business purposes, and since I already had a personal account. I used all my legal information such as my SSN, address, and phone number, but used a different name. 

After opening the account, I made some sales, and had {$10000.00} deposited into this account from the sales I made. 

When trying to withdraw the money, they put a hold on the account and asked that I verify my information. I sent them a copy of my drivers license ( which has my picture, and address, social security card, and bank statements ( which also show my name and address ). They rejected these documents but gave no reasoning. 

I called them and asked why they were withholding my money, and why they are doing this only AFTER the money was deposited. They told me that because my PayPal name didn't match my legal name, they were withholding the money for 180 days. So I asked what I can do to change this, and they directed me to the settings on my account which allows for a name change. The settings state : Update your name ( use your full name instead of a nickname ) ( I am attaching a screenshot of this setting ). So I proceeded with this change, I submitted the docs they required for this which is my drivers license and my bank statements. After submitting these documents, they sent an email stating that they reject the request. 

I then called them to inquire why they rejected it, as I followed their instructions, and the instructions on the page specifically states that I am able to make a name change. They told me that the name change is only for businesses, but when I told them that the account is a personal account and not a business account, so how would they have business settings on it, they changed their story and said the name change setting is only if your name is XXXX and you used XXXX or if your name is XXXX and you used XXXX to open your account. I asked them to direct me to this in their policy as I couldn't find it anywhere and they told me they couldn't and wouldn't talk to me about it any further. I asked to be directed to a supervisor or manager that can help me with this situation and was told that this was as far as I can go, and that they wouldn't help me any further. 

This money is my what I have to live on. I have delivered the products to the buyers and need this money to pay my bills. I can't believe that PayPal has acted in this manner and is now refusing to allow me access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
This company has knowingly and inaccurately reported information to the 3 CRA 's. I have asked that they provide documentation proving that this debt belongs to me to which they provided documentation claiming that XXXX  is the original owner of this account along with lease agreements with my name on it. However, the information provided by SourceRM is very much conflicting with the information received from XXXX. Upon speaking with a XXXX Representative, IN STORE, I was provided with documentation that DOES NOT match the information provided by SourceRM. SourceRM claims that the account was opened in Colorado with the purchase of a black XXXX on XX/XX/XXXX and a rose gold XXXX XX/XX/XXXX. One with a typed signature the other with a hand written signature. Yet, the store Representative at XXXX provided a completely different lease agreement with my name on it for an account due to the purchase of a RED XXXX kit 128 gigabytes purchased on XX/XX/XXXX at a XXXX XXXX in XXXX XXXX Florida also, with a typed signature which coincidentally was also not purchased by me. I provided this documentation to SourceRM as well as XXXX in effort to have them do a thorough investigation of said accounts, and have also filled out the XXXX identity theft affidavit along with a police report and have mailed it back of to XXXX to no avail. I have also attached the print out that I received from XXXX as further proof, that these accounts are fraudulent and that neither of them were thoroughly investigated by either XXXX   nor SourceRM before knowing and illegally reporting false information to my consumer credit reports. Additionally, because of this conflicting and unverifiable information, I ask that this trade line be removed from all three credit reporting agencies or I will be immediately filing a complaint with the Federal Trade Commission and the Texas Attorney Generals office. 
I would prefer not to have to use the courts to resolve this matter. 
Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am trying to solve the issue of who has my loan and who to pay my balance to. I been contacted by a collections agency for a delinquent account for over a year and then in XXXX of 2018 sent the collections company ( XXXX XXXX XXXX ) a loan validation letter to confirm they have permission to resolve my debt. I have yet to hear back from them since. Though with the NUMEROUS complaints and recent lawsuit with my loan servicer, I have no faith in their advice or information about my account. I don't know who to turn to and am looking to resolve this so I can rebuild my credit and one day begin enjoying my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
My wife and I leased a XXXX XXXX through Chase Auto Finance in XXXX, XXXX. It was a 42 month lease and we had perfect payment history - often paying 3-6 months in advance. When the lease was up inXX/XX/XXXX I called Chase AND the local dealer multiple times to make sure we didnt owe anything else at the end of our lease. Everybody told us we were paid up and there should be no further payments. So, we returned the car on/around XX/XX/XXXX. Then, approximately 25 days later, I received a call from a number I did not recognize stating that I owed {$300.00} for an end of term payment and that I could only pay by giving them my checking account and routing number over the phone. No payment portal, no credit card or debit card payments, and no email remittance. I told the gentlemen that it felt very suspicious and I was not at all comfortable with that. I then asked if he could send me an email so I could confirm that he worked for Chase. He said he didnt have email. I asked a few more probing questions and he said i should be receiving a letter notifying me of my payment due. I told him I had not received any such letter but when I did, Id pay immediately. 

Fast forward a few days and I got a credit reporting alert saying that I was 30 days late on a Chase Auto payment. I immediately called chase and asked them what in the world was going on. They were very unhelpful but offered to take a payment to prevent further late-payment reporting. 

I then tried to dispute the late payment reporting directly through Chase and not a single person could even help me file a dispute. 

Again, I had 42 months of early payment history and I a substantial balance in a Chase checking account for the latter part of my lease. We never had a single issue and it is absurd that I cant even get a dispute filed through Chase after this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
still reporting old debt that's is still on my credit report and I filed chapter XXXX bankruptcy last year. so the information should have been up dated by now. cause I got the discharge on XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: FL

Complaint narrative:
still reporting old debt that's is still on my credit report and I filed chapter XXXX bankruptcy last year. so the information should have been up dated by now. cause I got the discharge on XXXX of last year.

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 2019-04-01 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: MA

Complaint narrative:
On XX/XX/XXXX, XXXX notifies me of technical difficulties in not reporting to bureaus from XX/XX/XXXX. They also stated that " None of XXXX XXXX 's customers credit was negatively impacted. '' This is not true. My bureaus had not had any payments listed since XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX for an update & request a credit letter because I received a letter from my credit card company ( which was paid off ) stating that they are closing my account " since I don't pay my bills. '' Since XXXX was the only account I had open but not reported, I can only assume it was them. I was told my account was scheduled to be updated by the end of XX/XX/XXXX and that they would fax the credit letter over -- it never came. I called again 3 more times, spoke to supervisors, all to get the same answer. On XX/XX/XXXX, a fax arrived but with someone else 's information. This has been ongoing since. Of all the Bureaus, 2 show my account as " closed '' and 1 is "  open '' and XXXX blames the bureaus. My credit rating has been severely impacted and still is to this day. 

The issue is the comment XXXX has added to the account ; " Chapter XXXX Bankruptcy Dismissed ''. My car was not apart of the bankruptcy and if this information triggers the account to close. When it is removed the accounts is open again. This have been going on for almost a year and a half impacting my credit reports. I finally had to send an e-mail to the CEO of XXXX XXXX with documentation showing that when the information was added to the comments the account became closed and once it was removed it opened again. This worked until they recently updated my bureaus and the remarks were added back in again. My scores look like a EKG reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was charged a service fee on my now closed XXXX checking account ending in XXXX in the amount of {$8.00} to {$10.00}. I disputed the charge by phone and via Regions bank online messaging. I have since that time closed the account. It was not the first time I was charged a service fee for the same account and was able to get the credit back from them. The last charge they said could not be reversed because " It is a one time credit. I opened the account under a promotion that was never honored with the company and I sent them messages concerning the promotional offer of {$200.00} for opening my account. I opened a savings account as well and closed it around the same time as the checking account. I actually went in the XXXX branch to inquire about the service fee and closed my account. 
1. I disputed a service fee of approximately {$10.00}.

2. Inquiry concerning my promotion of {$200.00} which was not honored and they strung me along by saying it is not due until next month and oh you must wait until you have had the account 180 days.

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 2019-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I have been a Plus Member of MoneyLion since about XX/XX/2018. In XX/XX/2018, the mobile app and website began having login issues. When I needed to reset my password, I would have to call and be on hold for a long time. When I requested a new password to be emailed to me, it never arrived. I suspected that my email address might not work with their automated email system, so I called and requested that they change my email address to a different one. The new one did  allow me to receive password reset emails. However, they duplicated my account. Since XXXX I have been unable to access my investment account, which contains over {$600.00}. I have also opened a checking account with them, and am unable to access it either. Luckily, I never deposited any funds into it. I can log in under either email address ( two separate logins ), but neither shows that I am a Plus member. One account does show that I paid off my past loan in XX/XX/2018. That should have allowed me to withdraw the {$600.00}, but my investment account does not appear in order for me to withdraw the funds. They have also continued to charge me {$80.00} a month for my Plus membership, even though I have not been able to access it since XXXX. If I had been able to access my Plus membership ( only available through the app ) each day, the {$80.00} would have been deposited into my investment account to repay me for the membership fees, as that is their policy. I have called many times and have been told that my concerns have been escalated, but no one ever calls back and nothing has been resolved for over three months. They have refused to stop my Plus membership payments or refund the ones from the past three months. I hoped that applying for a new loan might cause my investment account to show up on the app again, but they are unable to verify my identity for a new loan. I have given them a chance to fix these issues and nothing has happened. When I last spoke with MoneyLion on Tuesday, XX/XX/XXXX, they stated that they would be emailing a fraud affidavit to investigate the duplicate account, even though I explained that one of their  agents had created the duplicate account in error. I have not received this affidavit by email. I have seen other reviews where people stated that once their loan was paid off, their investment account disappeared and they were unable to withdraw the funds, so perhaps they are doing that purposefully. I filed a complaint through the Utah XXXX, where they are based, but it was closed without resolution when MoneyLion did not respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Constar Financial Services, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX has sold debt to Constar Financial Services for A vehicle I own with title and lien release. No debt is owed to either company. A letter asking for validation was sent on XX/XX/2019. Constar has not contacted me since. 
Amount attempted to collect was {$280.00} Constar Financial Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation