vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: LendUp Loans LLC
State: CA

Complaint narrative:
I was taking loans out from lendup for many years snd they kep charging me late fees and then reported me as a 30 day late on my credit reports I had multiple conversation with this company between XXXX and XXXX to get this report of my XXXX XXXX XXXX and XXXX. 
They ripped me if for hundreds of dollars for many years. 
I can not get this company to remove late payments I never had or get a refund for their fraud. 
Please help, Address used when I had loans XXXX XXXX XXXX XXXX XXXX CA XXXX Please let me know how to get this resolved as I have hire XXXX XXXX  to get this late payment removed with no success Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
JUNK DEBT BUYER - YOU ARE IN VIOLATION OF THE FDCPA- YOU ARE IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Ability Recovery Services at XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$180.00} the collection has been reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, Ability Recovery Services, owe me in my Bill of Particulars.

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 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. XXXX XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by XXXX because my federal student loans were in in-school deferment. I consolidated all of my student loans. The XXXX account has been closed for several years. My complaint is that ( 1 ) XXXX is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how XXXX came to service them. Reporting 36 late payments on my account that I challenge requires XXXX to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check XXXX ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out 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 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I disputed this account here and it was paid and closed yet they changed the close date and since this in an inaccurate information that is grounds for deletion. Credit agencies are not supposed to be moving my close date as that is incorrect information and trying to keep this inaccuracy on my credit report for a longer period of time.

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 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a previous claim : XXXX-XXXX It looks closed. But i am not satisfied. 

CapitaOne response : " According to our records, we spoke with you on different occasions and advised the reason for the restriction to your online banking was due to a discrepancy in your personal information.This discrepancy was due to the information used at the time of the application. We sent you aletter on XX/XX/2021, asking you to call us to clear up this discrepancy ( enclosed ) .However, we never received the required information to unlock your online account. '' THIS IS A COMPLETE LIE. They requested documents from me and I upload them to a website they provided. I upload my social security card and my driver 's licence. 

I RECEIVED A NEW CREDIT CARD. But access to the website and trying to pay over the phone with an agent from CapitalOne NEVER WORK. SAME PROBLEM! 

I had call them severl time. They have called me several times and in 6 months they are not able to provide a solution. They are very inefficient as a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I sent a dispute contesting ownership of my last auto loan because I thought the account belonged to my mother. The dispute was sent to XXXX, Equifax and XXXX as I recall and on XX/XX/XXXX, I received the results back as " verified '', the account belongs to me also. Well since that day I feel like I've been suddenly harassed as I checked the auto loan results I noted that the headline showed " Needs attention '' and in XXXX I believe that notation caused a nosedive in the credit score. I could feel negative energy as I noted every collection account at least showed " Needs attention ''. Then I checked the other two bureaus and noted the same thing - " Needs attention '' on every collection account ( some of them are showing incorrect information ) that I haven't disputed. 

I contacted the auto loan company they said it was the bureau 's responsibility. I'm hoping for the removal of the " Needs attention '' notation from every account that it has been placed on and perhaps my XXXX account would see the higher credit score return. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

Complaint narrative:
Earlier this year, it came to my attention that there were a myriad of inaccuracies on my LexisNexis 'Comprehensive Loss Underwriting Exchange ' ( XXXX ) Report. This report is used by credit agencies and insurance companies to assess the risk level of their customers. Due to these inaccuracies, I was being assigned a higher risk category whenever I applied for credit, loans, or insurance. I have also noticed that my car insurance rate ( and rates being offered by other companies ) was inflating to an astronomical level, despite not having any history of at-fault accidents or traffic violations. 

On XX/XX/XXXX, I notified LexisNexis of my dispute in writing. I was very detailed in my written dispute. The dispute was sent by USPS Certified Mail on or about XX/XX/2021. The enclosed USPS Certified Mail Receipt shows that LexisNexis received it on XX/XX/2021 at their po box in XXXX, Georgia. 

Per the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency has thirty ( 30 ) calendar days to process a written dispute. LexisNexis may either 1. ) verify the record as 'Accurate ', or 2. ) remove the record if it can not be verified. 

Accordingly, a response was due from LexisNexis on XX/XX/2021. As of today ( XX/XX/2021 ) no response has been received. Therefore, LexisNexis has missed their statutory deadline, and is now legally obligated to make the requested changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Synchrony Bank closed all of my accounts in XXXX of XXXX. I have managed to pay off the balance in full on Ashley, Belks, JC Penny, Lowe 's, XXXX XXXX XXXX, Rooms to Go. I paid a " good faith '' settlement agreement to them for the PayPal credit card, and I had to file a complaint before I could receive the letter outlining the arrangements of that settlement agreement. 

I never missed a payment to Synchrony Bank until after all of my credit cards were closed at once, and they demanded the total amount of their money. To this date, I have not missed any payments with any of my other creditors. Even after my son was hospitalized for 30 days with XXXX XXXX XXXX, two of which were XXXX XXXX, I never missed a payment. It appears that they have an algorithm that they are using to affect minorities due to race disproportionately. There is no other explanation. 

I located the Sams Club card, XXXX XXXX, and PayPal Mastercard. I have not been able to locate the XXXX XXXX XXXX credit card. I have filed all types of grievances with Synchrony. On several occasions, I called and left a message for the following individuals at Synchrony Bank Headquarters : XXXX XXXX ( XXXX ) XXXX extension XXXX and XXXX XXXX at ( XXXX ) XXXX XXXX extension XXXX with no return phone calls. 

I request that you ask Synchrony Bank to provide me with information on how to pay for the TJ Maxx credit card. Please keep in mind that they have played all types of " malicious games '' with me since I started on this journey of trying to pay for these credit cards. They have some unsavory lending practices that need to be stopped. If my son was not XXXX and I am his only caregiver, I would seek legal action against them. 

In one final attempt on today, Sunday, XX/XX/XXXX, I contact TjMaxx credit/Synchrony Bank at ( XXXX ) XXXX and I was told by the representative to call ( XXXX ) XXXX and no one has any idea on how to pay my credit card bill.

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 2021-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I bought my house @ XXXX XXXX XXXX, XXXX, PA on XX/XX/XXXX, and in XXXX, I took a Home Equity Line of Credit ( HELOC ) By XXXX, I forgot I had the HELOC. 
I went in Citizens Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX &, I saw my checking account, the HELOC account &, another checking account I thought closed by the senior representative, XXXX  , a decade ago! 
s I filed a complaint with the CFPB and received knee-high statements used in a bizarre manner yet no one contacted me!? 
The HELOC was used in a bizarre manner and the account XXXX XXXX me charged fees if I ever used the HELOC to make transfers when, in fact, there are no fees and he never closed the account! Now I know what money laundering is about & I have been paying since XXXX never knowing it was used because of no statement in 20 years!? 

Also, I saw that the account he was supposed to have closed remained open and a fraudulent XXXX XXXX check was deposited into the fraudulent account but io knew o made no claims with my homeowner 's insurance & I sat in XXXX XXXX XXXX office for 4 hours, only to learn what I already knew... I had no claim! 

Citizens used my vulnerability due to the loss of my mother in XXXX to their advantage and forced me to pay for what they know I never used 1. The PERSON FROM THE Office of the Chairman said " ... case closed! '' It is not closed as I am still paying for something I never used &, forgot I had! I also never got a statement! 
When I asked how I withdrew the money, where it went, they told me it was taken electronically ( how convenient for them as no camera view of person ) &, they couldn't say where it went!? '' I don't have any proof as I never got any statements for over 20 years until I filed a complaint with the CFPB in XXXX Statements show use in a bizarre manner but Citizens One did NOT contact me to check if it was me?. - {$10.00} five times a day or {$20.00} - 5 times/day!? 
I earned a XXXX XXXX XXXX with a XXXX GPA from a major university &, worked my way through undergraduate school as a XXXX XXXX. only saying because I'm an educated person and this makes NO sense. 
I never got a statement in 20 years and thought that was because I never used it! 
t thought banks are where I put my money to be safe! 
Citizens taught me that banks are NOT where I put my money for its safety!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have been an outstanding PNC Customer for many years with several accounts : On XX/XX/XXXX I was appalled to receive 5 ( five ) letters dated XX/XX/XXXX, that all of my accounts would be closed as of XX/XX/XXXX without any prior warnings! It was a hardship for me, transferring funds to another Bank, setting up new Direct Deposits, and not being able to use its Telephone Banking.

In the past, I had to bring discrepancies to its Customer Service and also to the Executive Office, whose Manager " XXXX '' only wanted to handle a dispute of {$24.00} XXXX Credit Bureau charge, by canceling my Credit Card in order to send me a new one, which would take several days. I then decided to take care of it myself in lesser time. 
I also had an unauthorized charge of {$210.00}?, which a XXXX XXXX refused to delete, and it seems that PNC passed this amount on to the Credit Bureau as owed. I tried to give XXXX XXXX more information, which she refused, however, she " did it her way ''. Receiving a letter from her, I noticed another mistake ( although, I had advised her. She promised to send me the corrected letter, which I never received. 
I also noticed that I overpaid the PNC Credit Card, and I never got the funds, they owed me from XX/XX/XXXX. 
Summary : I helped and corrected many more mistakes, I could mention, i.e. not deleting my husband 's Credit Card being Joint owner, upon his Death in XX/XX/XXXX, although I presented a Death Certificate in XX/XX/XXXX, and it took PNC 18 months to delete it. 
I never dealt with a Bank, making so many mistakes, which I had to bring attention to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-19 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My credit information was used to obtain credit with J.P. Morgan chase on numerous times I have contact them about this situation before information was ran thru there database XX/XX/2020 XX/XX/2020 also XX/XX/XXXX XX/XX/2020. To obtain a line of credit which where fraudulent applications that me and J.P. Morgan was aware of and have spoken about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After making a {$1500.00} payment to my credit card on XX/XX/2021 lowering my balance to {$1000.00} on that card Equifax reported my balance to be {$2600.00} even after claiming that the new update was received on XX/XX/2021, I filed a dispute on XX/XX/2021 and the inaccuracy was corrected on XX/XX/2021, but the inaccuracy and acknowledgement was only corrected on the notification that they sent me and not on my credit report I called Equifax on XX/XX/2021 and explained my concerns and gave the reference # for this dispute ( they have several other reporting inaccuracies that I have disputed based on when payments were made and when they did updates after payments were made there was ample time for that update to be reflected on my report ) How is it that XXXX XXXX is able to have the correct information and this Major credit reporting agency ( and the other two ) has so many inaccuracies? These companies hold the livelihood of millions in their grip either this is willful and intentional or incompetency, Either way there need to be serious investigation into their practices, I would encourage anyone going though something similar to just document EVERYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I have closed my Chase credit card by paying the entire amount which I owed in the amount of {$300.00} on XX/XX/XXXX, that amount was withdrawn from my bank account as well. However the company attempted to withdraw money which was an autopay from my account every month since then and attempting to Charge me. I did call my bank, XXXX XXXX XXXX XXXX, and stopped this payment. 

Inorder to understand why Chase is attempting to withdraw money again which is an amount of {$400.00} as of XXXX, XXXX, I did speak to multiple representatives and they all provided me different answers. None of the representative was able to explain where this > {$400.00} coming from. On XX/XX/XXXX when I payed off the balance and closed my credit card, the representative I spoke with had clearly informed me of no further charges exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I am a Connecticut resident in an out of the state and coming to visit for months to the State of Florida XXXX County/ Back in XXXX I was stopped by my fiance because supossely he was speeding. The policeman made us park in the mall parking lot near by. The cop asked me to get out of the car and I removed my seatbelt I am a seatbelt faithful driver and passenger. The cop lied about me not wearing the seabelt and lied about stating I was XXXX years old at the time. I was XXXX years old and I gave him a copy of my drivers license he proceeded to do a ticket stating I was not wearing the seatbelt and I was XXXX XXXX XXXX. I also was informed although unaware because I moved many times in the state of florida that I had another ticket for failing to stop in a yellow light camera back in XXXX. My son drove my car to work many times and I was in the state of connecticut at the time of the ticket. I am going to contact an attorney because this two unfair discriminatory tickets had ruined my life and they will have to show in court I was driving the car in XXXX despite of If I own it. And prove that I was XXXX at the time and not wearing my seatbelt my exfiance can testify we are not speeding or I was wearing a seatbelt. The cop saw a Connecticut license plate and decided to make his cuota in our expense. I want to dispute these charges and demand proof I was driving and I was XXXX years old or failed to put my seatbelt. This is preventing from getting a job

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: AZ

Complaint narrative:
I filed a dispute with Equifax on XX/XX/2021 and XX/XX/2021. In my dispute I advised that the account was open not closed and status needs to be updated. When I get back the results they are only in regards to the payment history. My dispute is about the account status not the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
I purchased a car in XXXX and started making payments in XXXX as required. On each payment, I paid extra and asked it to be applied to the principal balance. I asked via letter as well as wrote it on the check. The first letter was sent on XX/XX/21 with no response. The second letter XX/XX/21 and last was XX/XX/21 with no response. I have now paid an extra {$1500.00} that was NOT applied to principal and they have NOT responded. I also called customer service on XX/XX/21 and they couldn't resolve. The {$1500.00} NOT applied to principal will result in significant interest over charges. I am asking for these overpayments to be applied to principal 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