vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AXOS FINANCIAL, INC.
State: KS

Complaint narrative:
On Friday, XX/XX/2022 I was working on a project that required a plug in tool to assist. I had been using a free version with so many calculations before it stopped and told you to pay for the tool. Since it was helping and I had several more calculations needed I decided to buy the tool for a month of service with the intent to cancel after my month of use. 

I click the link for the plugin and am taken to a website for sign up and payment. I click to subscribe, and it takes me to a payment screen. I verify the details and set up payment using my debit card. It processes and I'm taken to the next screen to begin my account set up - choosing a username and password. However no matter how many times I try I can not get it to work. I take a look at the submit button from XXXX 's inspect function and see it doesn't do anything. So then I look for a FAQ, chat bot or phone number ... Something to contact them for help. There's nothing listed. I search XXXX and the only thing I find is others that had signed up and never received anything either calling it fraud and a scam. 

I realize I should have not trusted it just because it was a direct link and tool from a trusted source, I also realize that I provided my details for a payment authorization ; however, when I called my bank Axos they told me there was nothing they could do and opened and closed a fraud case saying it was my responsibility to contact the company and cancel directly. This was after two direct phone calls where I told them over and over the same points : 1 ) I did not receive a service I paid for.

2 ) I am not able to cancel as there is no information for a phone number, physical address, chat bot or anything I can find when XXXX 3 ) Many others have shown this is fraud after the fact 4 ) It's a monthly subscription fee that I need flagged and declined I asked to speak to managers, I asked for more assistance. I couldn't understand how a blatant scam could be more protected by my bank than my funds and transactions. The guidance I was given in writing with my declined fraud claim was that I will need to cancel directly through them since I made the payment otherwise there is absolutely nothing my bank will do. No option to shut down the debit card number to stop further transactions l, no option to flag and decline all incoming transactions. 

How do any fraud claims get approved if this is the outcome in such an obvious scam. Yes, I made a mistake, but where are the protections in place to help me have peace of mind for my finances?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Claim for interrupted travel sent in and rejected. Resubmitted claim with appeals letter and additional documentation 4 additional times with the case number and appeal noted in the subject line. I received a confirmation email after each one. No one has ever contacted me so I called again and waited for 2 hrs on hold. Documentation was not received per the associate I spoke to. Was told two different emails to send info to. Sent information to both emails and they are not received again. I am getting no where with Chase Benefits and this has been going on since XXXX. Not sure where to go next. Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: OR

Complaint narrative:
Absolute Resolutions purchased a credit card debt. In XXXX I negotiated and paid a settlement to them. The have marked the balance down to {$0.00} but refuse to report the account as closed on the XXXX system so that it looks like I have an open collection account that is dropping my score by more than XXXX points. I have asked XXXX to correct the report, I have put in several online disputes and finally sent a written dispute to XXXX which was denied in XX/XX/XXXX because Absolute Resolutions affirmed that the account is still open. I called XXXX today and they have reopened the dispute but there is no guarantee that it will result in a correction. Absolute Resolutions is deliberately leaving this account as " open '' to punish me for settling the account instead of paying it in full. I attached the settlement letter to the mailed dispute and the account history clearly shows that the agreed upon amount was promptly paid. Before I began disputing the account, it still showed as owning the remaining {$310.00}. They finally marked it as {$0.00} owed but continue to keep it as an open collection to punish me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I have a previous complaint with this company and they relayed a partial amount. I spoke with someone at the company and they told me it would still be coming to my bank but couldnt give me any confirmation that was true. It has been over a month since I spoke with them and I would like my remaining XXXX $ still not repayed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-27 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 602 states I have the right to privacy 15 usc 1681 604a 2 also states a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: GA

Complaint narrative:
XX/XX/XXXX XXXX sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating that " They do not report any bankruptcies to anybody.So if that's the case.How did the credit bureau add my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 section 603 ( 3 ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1881. According to 15 USC 1681 section 602 A. States I have the right to privacy According to XXXX Section A Section 2 also states..comodi.ac. can not XXXX account without a XXXX instructions. LexisNexis is lying I have included a copy of the photo I sent them that is date XX/XX/XXXX with a email from pacer that they do not report anything to credit bureau nor do they verify information. I also included a copy of certified mail date I sent a copy of my photo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank the account was closed in XX/XX/2022 by Capital One due to a decision to end their business relationship as a result of an internal review conducted by Capital One. The review was based on transactions that occurred within the account. The balance at the closing of the account is and is currently {$46000.00}. After numerous calls and visits to the branch, the explanations of releasing the funds due to the account holder are inconsistent. Capital One is giving the account holder a difficult time releasing the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XXXX XXXX I sent Experian a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. 

I then went back to Experian on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item and stated they verified but clearly did not which is imploding on my ability to purchase a home and causing me to pay thousands more a year interest. 

This item needs to be deleted from my credit report if it can not be verified within 30 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 2022-09-27 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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 — Investigation took more than 30 days
Company: V and H Portfolio
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXXXXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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 — Investigation took more than 30 days
Company: Possible Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXXXXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
My mortgage was bought out and began with new lender, Mr. Cooper at the beginning of this year ; XX/XX/XXXX. I had lost my job XX/XX/XXXX and explained this to the new lender predicting I would be late on my payment. The loss mitigation department offered or suggested a " Pandemic Forbearance Plan '' which would pause my payment obligations for three months, stating I could opt out at any time. Following the three months, without request or consent they automatically resumed this plan which I was not needing or requested. I made three payments, one more than minimum due during this time. I spoke with someone back in XX/XX/XXXX asking to stop this plan I was ready and had been to resume payments. This was not acted on, they failed to stop plan which froze my ability to make online payments. Every time I spoke with them each person informed me incorrectly with false information. Most recent, I was told I could " promise to pay '' which would allow to make payments and any extra as was able. I asked for management to review calls from prior months to verify this information. This too was disregarded. Having trouble talking to anyone helpful or knowledgeable, and being unable to make a payment after several attempts I am now being threatened with foreclosure and feel I am being victimized by these predatory lenders. Note that documents sent via mail have different names, numbers and contact addresses making this whole process much more difficult. Here is hoping they are held accountable for the wrong doing, misleading and illegal acts of consumer lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i was looking for a flight and the person who was looking to help me with that asked me for all my information including my credit card info i advised to him i was shopping for prices that if I'm interested i will call him i advised him I was shopping around he said in order for him to give me the arcuate quote he needed all that i advised to him not to use my credit card he advised no worries so i show that i was charged {$1000.00}. And i called him he advised he did it in error that with in 30 days i would get refunded i continue calling him and he doesn't reply so i called capital one once and advised them of that and they refunded me that but then they charged me that again so i called they sent me a link to send proof of the conversation with that person whom i sent emails claiming my refund of XXXX he replied it will be processed within 30 i will see it in my account so capital one says the need a recipt as proof if i never perches it and i sent them all emails as proof the say oh it's not enough and it's in XXXX so they can't do nothing so i Letterly don't understand them what else can i provide i have emails. Form that person and still as of yet he doesn't respond

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX Bank # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation