vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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:
XX/XX/XXXX I mailed letter to Experian with a copy of Notice of Arbitration Award I received from the XXXX County District Court in my favor and against XXXX XXXX. XXXX sued me for {$5.00}. The Decision was against XXXX XXXX. I requested XXXX be removed from my Experian Credit report. Experian claims they never received the letter and documents tha was sent through the USPS. After more than 20 phone calls and being transferred from Dept. To Dept and being told I should mail it to XXXX XXXX XXXX instead of XXXX XXXX. I sent a new package to that XXXX Certified this time. They say they still didnt receive it. I made More than 30 phone calls to Experian to solve this. 
XX/XX/XXXX through Experians own website I filed another Dispute and downloaded the documents and a copy of my XXXX letter.That was to no avail. Today I received a notice from Experian stating that they are not removing XXXX from my Report, because XXXX certified they are right. Experian is not very Professional. I dont know if they have a legal Department, that could have taken a look at the documents. Especially Court -documents. On XX/XX/XXXX I also sent the Documents to XXXX XXXX and they deleted XXXX from my Account with them. Experian has a major problem. They cant read ENGLISH. A simple phone call to the Courts would verify the Award and they would delete 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 non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
I have 4 loans with a company called XXXX. I have had these loans since 2013 and have never been late. I always pay on the XXXX of the month. I have received a threatening phone call from Aimloan over the last two months. The woman, XXXX XXXX ID # XXXX ) calls on around the XXXX of month and states she is collecting a debt and there may be fees for debt collection. I politely told her to stop calling as I pay on the XXXX of the month and have never been late in 8 years. She continued to state there may be collection fees as the payment is due on the first. 

I told her I pay on the XXXX and please stop the threatening phone calls. This is the second month in a row. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've sent request to have information validated and I have not heard anything.

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 2021-03-04 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: TX

Complaint narrative:
I've sent request to have information validated and I have not heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have followed up with two Affidavit of Truth to try and bring this litigation to an end before going to court for defamation of character. My consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: WI

Complaint narrative:
I have two open accounts with XXXX XXXX and the utilization is at 6 % and XXXX for the last 4 months has been reporting my use on the two Lead Bank accounts at being 47 % utilization. 
These reports are in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: MN

Complaint narrative:
Though there are protections in place to prevent XXXX discrimination in nearly every aspect of life, the three credit reporting agencies are happy to discriminate on XXXX people covered under XXXX protections in the way that they report. Despite multiple attempts to have misleading information removed from my credit reports ( which has prevented me from being able to secure financing based solely on data that was the product of blatant XXXX discrimination ), the agencies refuse to represent my financial responsibility in a way that adequately represents my spending habits. In stead of demonstrating my credit worthiness, the credit agencies are skewing my results due to accounts that I could sue for blatant XXXX discrimination ( which I am working on ). While the effects are minimal for the other FICO scores, the accounts that are inaccurately depicting my financial responsibility lower my FICO-4 score ( which is used for mortgages ) to a ridiculously low level and will exclude me from home ownership for the rest of my life. The account in question has four years of negative payment history following the notification from the Attorney General 's Office that the account needed to be modified to accommodate my XXXX. My XXXX began two years prior to that in 2012.

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 2021-03-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Beginning on XX/XX/2021, I sent in certified letters to all 3 consumer reporting agencies requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well, I have yet to hear anything back from either company and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which definitely is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXXXXXX XXXX  {$120000.00} ( late payments ) 2. XXXX XXXX XXXX {$7200.00} ( late payments/student loan ) 3. XXXX XXXX ( inquiry ) 4. XXXX XXXX XXXX {$780.00} ( charge off ) 5. XXXX XXXX {$1400.00} ( chargeoff ) 6. XXXX {$0.00} ( chargeoff ) 7. XXXX XXXX XXXX {$710.00} ( collection ) 8. XXXXXXXX XXXX ( inquiry ) 9. XXXX XXXX {$4300.00} ( collection ) 10. XXXX XXXX XXXX {$300.00} ( collection ) 11. XXXX XXXX ( inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XX/XX/XXXX I would like to file official fraud and discrimination charges against JPMorgan Chase Bank. A six figure sum of money was wire transferred from my account to a location not disclosed to me. This was done at a time when my access to my account was denied. The branch manager or someone at the bank moved this money without my authorization or consent. The transaction was done by fraudulently using my personal identification information. My requests for written, retrievable documentation, regarding this wire transfer, and identification of the authority by which it was done, has been denied me. What the bank put me through was a direct violation of THE CODE OF FEDERAL REGULATIONS ( CFR ) TITLE 31 : Money and finance, Part 1020-Rules for banks. 1020.410 a ( 4-5 ) ( 4 ) Retrievability, and ( 5 ) Verification.The bank, also, violated its own deposit agreement. The branch manager knowingly and willingly made false statements to me about the only means that could be used to allow withdrawal from my account. The banks denial of access to my account was blatant abuse of the federal fiduciary powers granted to the bank. The Bank manager told me this could not be my account. He also told me the drivers license and credit card I provided was false. He could not allow me access to an account that was not mine ; unless he was provided a debit card. This older account has never had an activated debit card. I did not use the ATM network. In answer to my complaint against the branch manager, his story changed. The branch manager, then, stated he had my protection in mind and wanted to ensure that I was not being coerced to make a withdrawal by a third party. Extraordinary means were used to prevent me from accessing this money in my account. I was denied access to these funds in an attempt to divert the funds to a different location. By the time the several days required to mail me a debit card had passed and I returned to retrieve the money, it would have permanently disappeared. This was my life savings. I am still suffering negative financial and emotional repercussions because of that XXXX XX/XX/XXXX, denial to my account. Please reference the article on page iii of the attachments to this charge. The article was dated XXXX XX/XX/XXXX and was from XXXX XXXX XXXX. Former bank teller accused of stealing {$27000.00} from customer accounts. It was admitted that dozens of withdrawals were made, over a period of six months, by creating debit cards and forging checks. This is almost identical to the situation in which I found myself. What happened to me was so much more than negative customer service. What happened to me was fraud and discrimination at the highest level. I am requesting that this action by the bank be thoroughly investigated and JPMORGAN Chase penalized to the maximum extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a formal complaint against BBVA USA located in XXXX, AL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, BBVA has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello! 
Most respectfully, It is stated that I am a professional XXXX. I do have a lot of International XXXX from different countries Nd i giving them assistance and XXXX them and getting paid from them on hourly basis so i got the paypal as the best and safest method for sending and receiving money. As I was a new user i didn't know about Paypal acceptable use if policy and they hold my {$420.00} XXXX Dollars for 180 days on XXXX XXXX, XXXX without any warning and Emailed that they don't longer want my business with paypal and i can not use it anymore. Even i referred Paypal to many students to pay me on this platform. On XXXX XXXX, XXXX I got paid from student around {$110.00} USD as friends and family and did dispute after that. I don't know why he did that and he blocked me and paypal took payment from me give him back and the total payment was of around {$300.00} USD and the student oaid me in 3 payments from different paypal accounts and after taking help he disputed all payments and paypal closed my account. It's only in sender hands whether they would like to oay as friends and family or with goods and services so what's my fault as he sent payment as friends and family and did dispute and i being a new user paypal screwed me up and closed my account and hold my payment and not even responding me. I am suffering a lot of headache and issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: NV

Complaint narrative:
XXXX put me into collections in XXXX and now has put me in again for XXXX when in fact the contract had ended in 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 2021-03-04 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: NV

Complaint narrative:
I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local XXXX XXXX ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed XXXX wrote 2 letter for me to get an XXXX XXXX animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a very loyal consumer of XXXXXXXX XXXX for many years, and I need your assistance. I have this account with XXXX XXXX ( please see the Letter which I attached ) that I always paid on time. 

There was a period of time ( XXXX XXXX ) in my life that was very difficult to handle due to a XXXX  emergency ( XXXX ). I always tried my best to get every payment to you on time but there was 1 time that my payment was received 30 days late. Before that hard time and ever since I have regained control, I have made every effort to be a loyal paying customer, even paying early at times to ensure that your company suffered no loss. 

Well, that hard work has paid off and I now have years of good standing credit with your company, with the exception of this late payment. This payment is extremely damaging me in a lot of ways, mainly it is damaging my chances of credit availability.

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 2021-03-04 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: FL

Complaint narrative:
I have been a very loyal consumer of XXXXXXXX XXXX for many years, and I need your assistance. I have this account with XXXXXXXX XXXX ( please see the Letter which I attached ) that I always paid on time. 

There was a period of time ( XXXX XXXX ) in my life that was very difficult to handle due to a XXXX emergency ( XXXX ). I always tried my best to get every payment to you on time but there was 1 time that my payment was received 30 days late. Before that hard time and ever since I have regained control, I have made every effort to be a loyal paying customer, even paying early at times to ensure that your company suffered no loss.

Well, that hard work has paid off and I now have years of good standing credit with your company, with the exception of this late payment. This payment is extremely damaging me in a lot of ways, mainly it is damaging my chances of credit availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was involved with a scam where a man, XXXX XXXX, somehow he gained access into my savings account where he took it upon himself to transfer {$16000.00} from my savings account to my checking account. I never willingly authorized him to transfer any of my money to any of my NFCU accounts. When I realized I had been involved in a scam I notified NFCU, after investigating my case, my funds were reinstated into my checking account. I waited for the " PENDING status to be removed ( thinking the money was " officially " reinstated to my checking account and then transferred the reinstated funds back to my savings account. 
In doing some online work a few weeks later, I realized NFCU had REMOVED EVERY BIT OF MONEY OUT OF MY CHECKING ACCOUNT without notifiying me that such action was going to take place, until AFTER THEY DID IT. I have bills on auto pay and of course they were rejected and I had to pay the ENTIRE quarter amount on those accounts because they were rejected due to insufficient funds. NFCU should have noted I had transferred the funds back to my savings account and removed the funds from that account, NOT leave me with XXXX dollars in my checking account ... not very professional. However more importantly they should have never reinstated my funds then just decide to take them back without warning or reason. 
I am a XXXX yr old female who XXXX XXXX and have been out of work for a year, due to the Covid-19 pandemic. I have significant XXXX issues as well as other medical issues and as of now a very limited income even with unemployment ..I feel like what NFCU did to me is just as criminal as what the criminal did! Reinstating my funds as they did, then just take it back without warning! It would appear to me a financial institution as wealthy and large as NFCU would not make decisions of this magnitude and then without notice decide to retract their decision without any explanation. I feel I deserve to have my money reinstated to my account based on their ORIGINAL decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: OK

Complaint narrative:
I Sent in dispute letters for unverified information on my credit profiles for all three credit agencies. none of the agencies informed me of a pending investigation for any items, and it has been over 30 days. I have sent in a letter demanding the erroneous items that werent investigated and/or verified within the allotted 30 days are deleted.

Company response to consumer: Closed with explanation