vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
Was approved ( not stated as pre-approved but actually approved ) for {$2900.00} on XX/XX/2021 then denied on XX/XX/2021 after they received all my banking info and links to my bank account. Really feel like this is a bait and switch tactic to get all your personal information. They replied that so much had changed on my credit that they couldnt actually give me the loan they approved me for. I linked all my bank information to them and I feel like I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian will not do a proper investigation into my claim, I have sent a police report, telling them I have fraud accounts on my experian report and they keep telling me its verfied, how are they verified, they are fraud. I ask them to explain how they verified fraudelent accounts and asked them to provide proof of the accounts belonging to me, and they can not. You need to remove these accounts now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I refinanced my home mortgage with XXXX XXXX. 
Initially, they themselves serviced my loan. 
I was notified on XX/XX/XXXX that XXXX XXXX  was transferring loan servicing to Chase Bank. 
XXXX XXXX transferred information about my loan to Chase Bank. 
I was given a new loan number by Chase Bank and was able to log into my newly set-up account at their bank. 
However, when I went to set up payments by fund transfer from my personal account at XXXX XXXX XXXX XXXX, Chase Bank requires that I enter my personal log-in ID and my personal password for access to my XXXX XXXX XXXX XXXX account into a third-party subcontractors website " for verification purposes ''. 
They do not state who this third party is. 
They also then require me to acknowledge that both Chase Bank and this un-named third party have full indemnity for any possible misuse of this access to my personal checking account. 
As you can imagine, this is leaving the barn door open for fraud. 
Trying to contact Chase Bank is impossible. Tremendous phone trees, agents who don't speak my language clearly, extremely poor phone connection quality, repeated hang-ups or cut-offs. I spent 90 minutes on this and gave up. 
My local Chase Bank refuses to do anything for me. 

This is an egregious behavior on the part of Chase Bank and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent prove to business credit experion that thay have wrong information on my business credit my company is XXXX XXXX not XXXX and no family linkage and thay havent fix credit

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 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DRB-40, LLC
State: FL

Complaint narrative:
Diversified recovery bureau continues to call family members around the country asking for me. There number is 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 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I reached out to Credit Collection service ( debt collectors ) and asking for prompt validation of the debt they are collecting and place on my credit, with going thru due process as referenced in Federal law 1692g. 

My first mailing was on XX/XX/21, i received no repsonse and now its been 30 days without proof of debt to CRS debt collectors.

Past the 14 day alloted.

I never once signed any binding contracts with CRS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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:
Ive contacted Experian XXXX XXXX sent all identifying documents over 5 times EXPLAINED IN CLEAR LANGUAGE WHAT IM DISPUTING ETC AND NOTHING WAS NEVER DELETED THIS WAS OVER 3 months ago by law they have 30 days it was well over that time frame I keep checking my report they have the same fraudulent items & inquiries on there even after I sent my police report theft affidavit etc I specifically itemized and circled the items that need to be removed including fraudulent inquiries this is unacceptable XXXX XXXX have me flagged so I cant open a basic checking account they need to remove that ASAP or Ill keep complaining

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have a Bluebird by American Express Card. I work XXXX jobs and have both of my checks deposited on this card. When checking my balance on XX/XX/21, I noticed that on XX/XX/21 that 2 withdrawals were made : 1st for XXXX - 2nd for XXXX totaling XXXX. These were made at an ATM in XXXX OH, XXXX XXXX location. I work in XXXX, was at my job all day with card in my possession and then after work went to XXXX to buy a few groceries with my card. So on XX/XX/21 I immediately contacted Bluebird by American Express, told them that I did not make these transactions and filed a fraud report. I was honest in telling them I still had the card in my possession - after all I used it at XXXX on XXXX XXXX on XX/XX/21. So the first time I was turned down telling me that these were authorized transactions. I inquired as to what time these transactions were made and no answer. I DID NOT MAKE THESE TRANSACTIONS. I have never withdrawn money from XXXX, OH ATM. I filed a 2nd fraud dispute and was also turned down stating that these were authorized. XXXX XXXX  told me that my card could be duplicated very easily by a skimmer. Bluebird by American Express is refusing to give me my money back. I feel like suing them!!! What do I do??????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander USA failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between Santander USA and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed Santander USA. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and Santander USA reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I recently had a collection notice from Portfolio Recovery Associates LLC.

The date of the notice is XX/XX/2021. The amount is XXXX. 

This case and claim was dismissed years ago in XXXX county court. 

I have the records. 

The repeated false notices have caused distress within my household. 

I would like to seek damages against Portfolio for repeated false claims. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I lodged a complaint with the CFPB about a missing money order deposit with Bank of America on XX/XX/2021. The complaint ID is XXXX. I have been working with XXXX XXXX, a Resolution Specialist with the Regulatory Complaints Department at Bank of America. She is still working on my case. 

On XX/XX/XXXX, I tried to make a deposit into my Bank of America checking, but it didnt work. I called their customer service, and they informed me that my account was marked for closure on XX/XX/XXXX. As of today, XX/XX/XXXX, the account is closed and no longer shows in my online login. I still have two credit cards with Bank of America. The reason they gave me on the phone was simply that they didnt want to do business with me anymore. I have not received any notice from Bank of America of this decision either, they outright closed my account with no notice. 

I can only assume this is retaliation for my CFPB complaint, a complaint that remains unresolved as of today XX/XX/XXXX. 

I sent XXXX XXXX  an e-mail and left her a voicemail on XX/XX/XXXX, but I thought this required an additional CFPB complaint because I dont think this is legal. 

I am submitting another request to the CFPB to find out if this is even legal to do this, to close my account in clear retaliation for a CFPB complaint where Bank of America itself made a mistake and has not rectified it yet, and still owes me money.

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 2021-08-07 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: MI

Complaint narrative:
I contacted XXXX XXXX and Experian regarding some collections on my credit report. 
I started sending letters on XX/XX/XXXX and then another on on XX/XX/XXXX, XX/XX/XXXX, I have yet to get a response, The only thing that shows is that my account is in review on all three credit bureaus. I have asked for verification, not one letter was sent back verifying these alleged collections. However its going on 4 months and the items below are still listed as verified. 
On my Equifax they even listed collections two and three times. 

XXXX  XXXX XXXX XXXX - Open balance {$2800.00} XXXX XXXX Open balance {$820.00} XXXX XXXX XXXX Open balance {$530.00} & {$220.00} XXXXXXXX XXXX XXXXXXXX XXXX Open balance {$520.00} XXXX XXXX XXXX Open Balance {$220.00} XXXX  XXXX XXXX XXXX Open Balances {$2800.00}, {$20.00}, {$18.00} XXXX XXXX Open Balances {$540.00}, {$350.00}, {$200.00}, {$180.00} {$95.00} Experian XXXX XXXX XXXX Open Balance {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I have received two notifications from a credit monitoring service that I have a new account with SCA Collections and there have been two derogatory marks placed onto my credit score despite no information being received in any way from them.

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 2021-08-07 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I made a purchase at XXXX  to ship a package they lost it or stole it. 
I bank with Chime due to its online nature. I was informed I must fill out paperwork via a printer and scanner I dont have access to and threatened to deny my claim if I do not incur added expenses and health risk by going to a copy store. 
Chime does not have humans to assist and while theyre content having no in-person interaction as their business model, that business model is causing me losses and this is what I consider an unfair trade practice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Ive contacted XXXX  Chex systems sent all identifying documents over 5 times EXPLAINED IN CLEAR LANGUAGE WHAT IM DISPUTING ETC AND NOTHING WAS NEVER DELETED THIS WAS OVER 3 months ago by law they have 30 days it was well over that time frame I keep checking my report they have the same fraudulent items & inquiries on there even after I sent my police report theft affidavit etc I specifically itemized and circled the items that need to be removed including fraudulent inquiries this is unacceptable Chex systems have me flagged so I cant open a basic checking account they need to remove that ASAP or Ill keep complaining

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was short cash due to recently moving, and I had no money. My credit was taking a hit due to all the expenses I was taking, I could not get a conventional loan. I asked for a {$1500.00} loan to tide me over. Unfortunately, to my error, I did not read the contract involved, and I was glad to have money. I didn't realize that their interest rates were over 300 %. My account was credited for {$1500.00} on XX/XX/XXXX. 
For a {$1500.00} loan, they were expecting me to pay less than {$5000.00} by the end of XXXX. For {$1500.00} borrowed, these scumbags took three amounts of {$270.00} on XXXX, XX/XX/XXXX, and XXXX, making a total of {$830.00}, 55 % of the amount borrowed paid back to them within six weeks of the deposit. They want roughly {$4000.00} more back by XXXX for {$1500.00} wired to me in XXXX. As a result of these payments to these pieces of CRIMINAL SUBHUMAN XXXX, my XXXX rent for my apartment is not yet paid in full, and I worked very hard to get this apartment.. 
These terms are excessive and criminal, and I should not have to be financially crippled over a {$1500.00} loan, with 55 % of the amount borrowed taken out of my account within six weeks. I tried to renegotiate the terms, but they said that all terms were non negotiable Because rent is late and I do not want a repeat of this, and I closed my bank account to get a new one. XXXX XXXX is a piece of criminal subhuman trash that hides behind an XXXX XXXX  to hurt people. Given that half of the amount borrowed was paid back, I want to renegotiate the terms of my remaining balance...

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 2021-08-07 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 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 data breach and may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: NY

Complaint narrative:
XXXX XXXX failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between XXXX XXXX and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed XXXX XXXX. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and XXXX XXXX reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.

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 2021-08-07 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: NY

Complaint narrative:
XXXX XXXX failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between XXXX XXXX and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed XXXX XXXX. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and XXXX XXXX reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: NY

Complaint narrative:
XXXX XXXX failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between XXXX XXXX and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed XXXX XXXX. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and XXXX XXXX reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.

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 2021-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I contacted Transunion, XXXX  and XXXX  regarding some collections on my credit report. 
I started sending letters on XX/XX/XXXX and then another on on XX/XX/XXXX, XX/XX/XXXX, I have yet to get a response, The only thing that shows is that my account is in review on all three credit bureaus. I have asked for verification, not one letter was sent back verifying these alleged collections. However its going on 4 months and the items below are still listed as verified.

On my XXXX  they even listed collections two and three times. 

Transunion XXXX XXXX XXXX - Open balance {$2800.00} XXXX XXXX Open balance {$820.00} XXXX XXXX XXXX Open balance {$530.00} & {$220.00} XXXXXXXX XXXX XXXXXXXX XXXX Open balance {$520.00} XXXX XXXX XXXX Open Balance {$220.00} XXXX  XXXX XXXX XXXX Open Balances {$2800.00}, {$20.00}, {$18.00} XXXX XXXX Open Balances {$540.00}, {$350.00}, {$200.00}, {$180.00} {$95.00} XXXX  XXXX XXXX XXXX Open Balance {$14000.00}

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