vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX refuse to even allow me to my account access online, mail services only. It's been over a month no response regarding the illegal financing of vehicle on credit report at 3 time the legal rate. 2nd Joined Experian to monitor credit monthly for a fee of course, I go on-line after getting a email stating good news about my credit, to find out all scores has dropped out the blue. I've paid, closed out account disputed accounts paid sent in proof to all 3 credit agencies, to show in fact items paid. Thru my banking information which is also verification of payments of all bills that don't reflect on credit. Just the fact credit was ran for services or credit which has also affected credit. XXXX XXXX has knowledge of illegal action by several agencies running credit without consent or permission due to illegal actions of XXXX XXXX illegal financing. Make a long story short because i'm been filing complaints with hopes to strengthen credit to buy a new home in the future. I cant do that with my credit score dropping every 15 days XXXX point unexplained unless I pay. I'm sick of it! I've been tracking every bill with hopes of resolving. XXXX is just there to support the negative reporting on reports. I've never had a utility bill shut off in 19 years of paying bills, no credit for that. XXXX XXXX bill paid every month in advance but will reflect last payment 2020 are you serious, but my phone on. Its just the small negative actions of the bureaus. 12 inquiries on reports of illegal actions of finance agencies are still on my report as if I said run my credit because XXXX XXXX finance my car at 3 times the amount, well I didn't. Its just sicken, how to be look down upon thru credit even tho you try to show your a responsible person or gain trust of others by making payments. It's just like giving a dog a empty bowl, knowing he hungry. I paid out my whole stimulus with hopes of bettering my credit to be treated as if .I don't matter!

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten anything in response please remove this inaccurate inquiries information XXXX XXXX XXXX TransUnion XXXX-TransUnion  XXXX-TransUnion XXXX XXXXTransUnion XXXX XXXX - TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX -TransUnion XXXX-TransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXX -TransUnion XXXX -TransUnion XXXX XXXX-TransUnion XXXX XXXX XXXX -TransUnion XXXXXXXX XXXX-TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I opened a venmo business account per their instructions to sell off a few personal items, and after the first transaction, they locked my account unless I gave the all invoices, customer personal information including what was purchased and where it was shipped and the names address and phone numbers and tracking numbers for said purchases. This is nowhere in their disclosure or is it material information that they need for any reason that they could give. I have never had a financial institution ask such questions. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Southern Management. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX is reporting two duplicate accounts to XXXX, Transunion, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.

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 2021-05-20 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX is reporting two duplicate accounts to Equifax, XXXX, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX is reporting two duplicate accounts to XXXX XXXX, and Experian. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.

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 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is still reporting a balance on a dental healthcare credit card account that was settled. On XX/XX/2021 a settlement was agreed to with XXXX XXXX in the amount of {$2100.00} which was 40 % of the original balance owed of {$5300.00}. The agreement stated that the account would be updated to reflect a {$0.00} balance owed and settled for less than full. On XX/XX/2021 I reviewed my reports and found that the account is still reporting a balance in the amount of {$3200.00}. I contacted XXXX XXXX and was told that indeed the account is settled and there is {$0.00} balance owed, they are sending me a letter stating as such. I inquired as to why it was not updated accurately on my reports and was told that the balance will remain on my reports even though the account is settled? This does not comply with the FCRA which states that creditors must report information accurately to the credit bureaus.

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 2021-05-20 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: VA

Complaint narrative:
I have submitted several disputes on behalf of the incorrect information being reported on my credit report. The last dispute was received by the credit bureau on XX/XX/2021. Since then, I have not received a response regarding the investigation I requested into the information on my report. Per the FCRA, the credit bureau is required to respond within 30 days which has not happened. The credit bureau has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. None of this has happened and as a result my personal credit has continued to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$610.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Stilt Inc
State: CA

Complaint narrative:
I transferred XXXX dollars to the stilt bank account waited two days for it to clear once cleared I was able to make point of sale transactions when I tried to withdraw the remaining XXXX in my account they locked my account after going through all the steps to verify my identity my account was unlocked but not my money its been almost a week and Ive been getting the run around I feel as if this bank is not legit an I just want my money and to close the account

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 2021-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
In XXXX of XXXX calls and a court request for debt that was owed. On phone calls I was advised of medical bills then another bill for towing and storage of a XXXX that I have never had or owned. When trying to dispute the towing and storage fees the agent got really disrespectful and said that I just need to produce a bill of sale which I advised I was not able to cause I have never had this car. I am now being garnished for {$2600.00} case # XXXX. I have called and spoke with XXXX in Oregon and was advised that the car was never in my name and was in salvage yard as of XXXX and collection agency is trying to state that the towing and storage occurred in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Dear Chase Management, This is a formal complaint against the Chase Fraud Department for failing to protect me against fraudulent charges by a family member with the following vendors : XXXX XXXX XXXX XXXX XXXX XXXX I reported to Chase that I had no control over that member and asked Chase to block my card ending in XXXX and to issue a new one. Chase didn't block my old card and the charges persisted from the old number ending in XXXX although the account had already a new number ending in XXXX, which I have not shared with anybody. I'm held accountable for the charges made after Chase let me down and didn't block my card and failed to protect me. 

I am a divorced single mother and my son lives between two households with father in XXXX, VA and with me in XXXX, MD. I authorized some charges in XXXX and XXXX for XXXX, XXXX, and XXXX, which I'm not disputing. I asked my son to stop charges after XX/XX/XXXX but he wouldn't so I called Chase asking for protection. None of the charges in XX/XX/XXXX are mine, nor have they been authorized by me and they all occurred because Chase made a mistake and failed to block the card. 

I have spoken with several Chase Fraud representatives and supervisors, XXXX XXXX XX/XX/XXXX ) and today with XXXX ( XX/XX/XXXX, and when I asked them why wasn't my card blocked, they become quiet and refuse to answer the question, or use avoidance techniques by saying something else. The fact they failed to block the card is the problem and I am asking for your assistance because I'm unable to assume these charges which are considerable for my budget. 

Please assist me in obtaining permanent credits for these charges and possibly reversing the ones made between XX/XX/XXXX and XX/XX/XXXX, which were not authorized either. Chase finally blocked the card yesterday and issued a new number yet, ending in XXXX. 

I'd really appreciate your help since I'm going through a financial hardship after a difficult divorce. Chase gave me temporary credits per attached statement however, today they said they will be putting the charges back on my account. 

I feel so betrayed and personally harassed having to spend hours on the phone and refused to be given an answer why didn't Chase block my card on XX/XX/XXXX when I called to inform them of the situation and asked for protection? 

Thank you for your understanding! 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
To whom it may concern, My mortgage servicer. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX the investor is Deutsche Bank. 
On XX/XX/XXXX my mortgage was modified. I really wasn't paying attention to the amortization until XX/XX/XXXX. After I did some calculation I realized that the terms of the note where changed without disclosure. You should also know that I had to discharge a BK in XX/XX/XXXX and my attorney unfortunately forget to reaffirm the mortgage so I am worried if I keep pushing for answers the investor will or may call in the note. I have never missed any payment since the modification went into effect and my credit is excellent now so I can refinance it with no issues. My background is mortgage origination and I have my NMLS number so I understand mortgages. 

I have been concerned about why my principal balance not agreeing with the amortization schedule. After doing several calculations I finally figured it out what happened. 
The payments were calculated with the following terms. Year 1-5 of the modification was at 40 years. Year 2 was at 35 years and the now its at 34 years. When I reviewed the modification contracts and note there is no disclosure ( s ) that the terms were changed. Also the maturity date didn't chance so how can the maturity date stay the same but the terms changed. 

Basically even-though I have a modification agreement disclosing the new payments I don't have have any disclosures that the terms changed. I hope it make sense how I am trying explain it. If you need anything else please let me know. 


Thank you in advance and I look forward to hearing back from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: CO

Complaint narrative:
Key Bank has a promotion in which new Key Bank customers open a new checking account and direct deposit {$500.00} within the first 60 days receive a {$200.00} incentive payment. I have never been a Key Bank customer. On or about the end of XXXX of XX/XX/2021, I opened a Key Bank checking account online but was unable to fund the account due to technical difficulties with their website. I started the process over which opened a second Key Bank checking account. I was able to fund this account so I closed the original account. The two accounts were opened within a week of each other so it is clear that I was neither a longstanding client nor have I had a checking account with Key Bank previously. I direct deposited the {$500.00} on XX/XX/2021 as required. It is now XX/XX/XXXX and I have not received the {$200.00} incentive payment. When I called to resolve the issue, I spoke with multiple employees at an XXXX number and at the branch. They are claiming because I had a previous account, I am ineligible for the promotion. I could not fund the original account online and it is clearly a technicality. No one is willing to help me obtain the promised payment of {$200.00}. 

I would like the {$200.00} payment deposited into my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NC

Complaint narrative:
I contacted Transunion about a collection on my Trans union credit report over a collection of a {$100.00} debt that was sent to a collection agency. I am attaching a letter sent to the creditor in XX/XX/2020 & also sent to Transunion. This debt does not appear on XXXX or XXXX. I have tried to reach XXXX by phone and left messages for a return call. None have been received This is the letter sent to Transinion and the debtor XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern This letter is to dispute the 101.58 that is being charged. I previously mailed this letter several months ago : The dispute is over replacement of the bedroom rug, I am disputing the charge for the following reasons : I Was never informed that there was a problem by Management There was no stains or marks on the carpet when I left. This can be verified by a third party who inspected the apartment when I moved out.

There was no inspection done with me when I moved out There was no attempt by management to clean the rug. The rug was ripped out the day after I moved out. This can be verified by another pennants Other units that were vacated that had animals had their rugs cleaned and not replaced Management did not apply same rules to me as it did to other tenants that had dogs ( mine was a service dog ). I never had any communication from management about a problem with the rug - ever. No phone call, no explanation whatsoever. 

If there was a problem with the rug I would expect some proof from management. I received nothing. No photographs, no letter from them, no telephone calls I will not pay the amount due because of the above mentioned issues 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 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
A past due collection amount showed up on my credit report for {$290.00} from Radius Global Solutions. I have never heard of this company and have never been contacted about any debt.

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 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPals are XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: FL

Complaint narrative:
On XX/XX/2021 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its 30 days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.

Company response to consumer: Closed with explanation