vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 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 haven't gotten one response from the bureau 's in the mail. I have been disputed for months now. This is out of control. I don't know how the credit bureau 's can act in this manner. So disrespectful they way they operate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted XXXX, Equifax and XXXX and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
This website actively discriminates against artists of color from utilizing their website. When asked why my application was denied, they refused to provide a reason. Under Title VII of the Civil Rights Act of 1964, no business is allowed to turn away a customer based on their status as a member of one of these protected classes. 

As a customer of their platform, I have to be given a reason why my application to sell art was denied.

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 2021-11-14 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
Credit Acceptance decided to randomly open up an account that's be closed for 4 years, now appearing on my credit to look like I've missed payments dropping my credit score. This is fraud and I will not accept it

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 2021-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello this is a new complaint for chase bank jp Morgan not sending my savings account funds that was closed on XXXX for the amount of {$18000.00}. I was told by chase to speak to XXXX at XXXX XXXX at XXXX XXXX to release my funds. I did speak to XXXX on XXXX and he stated that he and XXXX XXXX were not in fact holding my funds and he and XXXX have not spoke to chase since XX/XX/2021. He stated that chase was holding my funds and they have no involvement in my funds being released.He would be willing to make a statement in court and testify to assist me in getting my funds released.I have since called chase corporate office at XXXX XXXX several times and left messages for XXXX the person handling my funds and she will not return my phone calls and or messages that I have left.it has been XXXX  days since my account was closed and still have not received my funds. I have consulted a financial service attorney to file a lawsuit against chase bank, jp Morgan. thank you for your assistance in this matter. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14 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: PA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I got an alert from my credit report service that Bank of America had a credit inquiry against me on XX/XX/2021. I have never authorized Bank of America to check my credit. I have never had any business with Bank of America. I called Bank of America on XX/XX/2021 and was told a credit card account under my name is pending for approval. I was told the fraudulent account is being closed upon my report. I also emailed Bank of America security department to report this unauthorized transaction. I thought everything has been taken care. However, I just received a letter only in Spanish from Bank of America today. I am not a Spanish speaker and do not understand Spanish at all. I am afraid Bank of America did not take care the fraudulent transaction.

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 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted TransUnion, XXXX and XXXX and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted XXXX, XXXX and Experian and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information

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 2021-11-14 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 haven't gotten one response from the bureau 's in the mail. I have been disputed for months now. This is out of control. I don't know how the credit bureau 's can act in this manner. So disrespectful they way they operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Tesla, Inc.
State: CA

Complaint narrative:
I have contacted Tesla Finance regarding my Tesla vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
To the CFPB professionals : I pay my credit cards off monthly, almost without exception. However in XXXX of 2021 my XXXX  XXXX card branded under XXXX had a balance of about {$3.00}. I missed this statement online and was recorded by XXXX  XXXX as being 90 days delinquent. 
This is not a card that i use very often, and I had overlooked this overdue charge of under {$4.00}. 
The XXXX XXXX bank forwarded a note to the credit agencies regarding the above issue as being trivial, and noted my account is now current. 
This single late payment for the amount of about {$3.00} caused Transunion to drop my XXXX XXXX by nearly XXXX points, from over XXXX to less than XXXX. 

Similar drops were also noted in the experian other reporting agencies. 
This significant drop in my score of over 5 % will impact many of my financial obligations from insurance to possible mortgage interest rates. 

it is not reasonable for the credit reporting agencies to penalize me so severely for a sinlge {$3.00} late payment, my only " blemish '' in the last 5 years. The only significant item on my reports occurred more than 5 years ago, and relates to medical charges above the approved insurance rates agreed to. I have disputed this charge as well, but it does not appear to be part of the XX/XX/XXXX severe drop in my credit score. 

All credit card balances are paid off monthly, the mortgage payment has never been late, and I have paid off all of the vehicles that i own in less than a year. the only debt I have is the balance on my mortgage of < $ XXXX, paid down from more than $ XXXX over the last 9 years. 
How can these agencies drop my credit rating so severely over a {$3.00} overlooked payment??/

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 2021-11-14 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I spoke with American Express about fees that were assessed for late payment on XX/XX/2021. I explained that the reason my payments were late was because of a technical error in the American Express auto pay system where I was given confirmation auto pay was setup however according to American Express it was never registered in their system. 

When I explained this they said over the phone they would take care of the late payment fees. However, the representative only removed one fee from each of my American Express cards and did not remove the others as promised. 

Today I called American Express and was able to get the remaining fees removed from my consumer credit card however when I called the business card team, they refused to remove the fees despite me explaining the error in detail and my previous conversation with American Express. 

The fees that remain for my XXXX XXXX XXXX card ending in XXXX are : XX/XX/2021 - {$35.00} XX/XX/2021 - {$39.00} American Express should understand and acknowledge that these types of computer errors can and do happen with consumer bank applications and internet connected electronic systems. I think it is unfair and predatory for American Express to hold consumers responsible and target them with fees for technical errors and glitches present in their software. 

As of today, I have even paid American Express the late interest on my account despite all this. My account is fully paid, up-to-date, and I confirmed with American Express on XX/XX/XXXX when I was aware of the issue that autopay is enabled going forward. 

I am asking is that American Express do what is right and what was promised over the phone to remove the remaining late fees from my card dated XX/XX/XXXX and XX/XX/XXXX. If American Express will not remove the fees, I ask that they provide me the transcript of our call on XX/XX/XXXX so that I can review the record myself. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
I the consumer received an illegal communication from PATENAUDE & FELIX A.P.C. on behalf of XXXX XXXX XXXX ( XXXX ), XXXX. In written form of a court complaint case # XXXX, about a consumer credit transaction in regards to an alleged credit card debt on XXXX for alleged sum of {$8200.00}, account # XXXX. In which I filed my answer to the complaint with the court on XXXX, and I also certified mailed with green return slip to PATENAUDE & FELIX A.P.C., in which they received my court answer on XXXX. In which I have proof of delivery by green return slip signed. The court date was moved from XXXX to XXXX, for PATENAUDE & FELIX A.P.C. claimed they did not receive my motion and vacated for later date, but I have proof they did receive my motion. I also received a communication from them on XXXX saying this alleged obligation is my responsibility after they conducted an investigation, but how can they investigate themselves if they are the ones conducting the fraud? If they conducted an investigation why cant they provide me with proof that this alleged obligation is my responsibility? That is a violation of 15 USC 1692b ( 2 ) not state that such consumer owes any debt. I responded in written communication back notifying them of a few of their multiple violations pursuant to 15 USC 1692, The FDCPA, which they received by notarized certified mail on XXXX. Which also included, request pursuant to 15 USC 1692g to validation of debt and pursuant to 15 USC 1692c ( c ) ( 2 ) as I am the consumer, and original creditor, invoked specified remedy for injuries incurred by both corporations. Which I have proof they received and signed for via green return slip. In return they did not respond or provide me with documentary evidence according to what congress defines as proof of validation, and none of the information I requested. They are actively engaging in multiple violations of my consumer rights and causing ongoing XXXX and XXXX  due to their willful disregard to my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I called XXXX XXXX  to report identity theft. An overwithdrawn amount was sent to collections that I did not know about. I have been trying to dispute with XXXX XXXX  debit for my checking account and had no chance to dispute it with the collections agency because I had no idea it existed. 

Someone tried to cash checks in my name. Overwithdrawn by XXXX and sent to collections.

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 2021-11-14 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: CA

Complaint narrative:
PayPal has refused to release my funds after it was held for 180 days and yet theyve refused to let gain access to it I need this money to pay my rents and bills I tried calling them and they couldnt provide solutions these peoples are invading my civil rights which Im going to take up a legal action if theres no solution as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I the consumer received an illegal communication from XXXX XXXX XXXXXXXX XXXX. on behalf of CAPITAL ONE BANK ( USA ), N.A. In written form of a court complaint case # XXXX, about a consumer credit transaction in regards to an alleged credit card debt on XXXX for alleged sum of {$8200.00}, account # XXXX. In which I filed my answer to the complaint with the court on XXXX, and I also certified mailed with green return slip to XXXX XXXX XXXX XXXX, in which they received my court answer on XXXX. In which I have proof of delivery by green return slip signed. The court date was moved from XXXX to XXXX, for XXXX XXXX XXXXXXXX XXXX. claimed they did not receive my motion and vacated for later date, but I have proof they did receive my motion. I also received a communication from them on XXXX saying this alleged obligation is my responsibility after they conducted an investigation, but how can they investigate themselves if they are the ones conducting the fraud? If they conducted an investigation why cant they provide me with proof that this alleged obligation is my responsibility? That is a violation of 15 USC 1692b ( 2 ) not state that such consumer owes any debt. I responded in written communication back notifying them of a few of their multiple violations pursuant to 15 USC 1692, The FDCPA, which they received by notarized certified mail on XXXX. Which also included, request pursuant to 15 USC 1692g to validation of debt and pursuant to 15 USC 1692c ( c ) ( 2 ) as I am the consumer, and original creditor, invoked specified remedy for injuries incurred by both corporations. Which I have proof they received and signed for via green return slip. In return they did not respond or provide me with documentary evidence according to what congress defines as proof of validation, and none of the information I requested. They are actively engaging in multiple violations of my consumer rights and causing ongoing XXXX and XXXX due to their willful disregard to my rights as a consumer.

Company response to consumer: Closed with explanation