vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Revolut Technologies Inc.
State: IA

Complaint narrative:
I am unable to fully close my account with Revolut.

I continue to receive monthly statement emails from them, which indicates that my account is still open. However, I requested my account be closed more than 1 year ago.

I can not log into the Revolut app as the app believes my account is closed.

I can not contact Revolut because they provide absolutely no way to reach them without logging into the app.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian credit report increased 3 points XX/XX/2022 Score went down 3 points XX/XX/2022 Credit score went up XX/XX/2022 Credit score went down 27 points XX/XX/2022 There have been no new negative items on my Credit report in several years and experian is dropping my score with no explanation given and no evidence or negative changes.

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 2022-03-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I called equifax numerous of times speaking to not helpful representative. My credit report is showing blank while pulling the report from their website. 
I have revolving credit that is not showing up. I tried to explain the problem to the representatives All the representatives keep doing is transferring me over to different departments. 
I ask for a call back. A rep callback doing an verification that was not able to pass. When I ask her for her ID number she speedy the number and put me on hold. 

I need my credit report in a timely matter. I am trying to close on a home loan. I do not have 45 days for them to get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I have been receiving calls from Quantum collections for over seven years now and I have told them they have the wrong number. They have never mailed anything regarding a debt and there is nothing on my credit reports from them. 
I have no DEBT AT ALL and therefore they have no reason to call me and obviously have the wrong info. They keep calling on a robo dialer because no one answers when I pick up. They call from various extensions. This is harassment at this point.

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 2022-03-30 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: PA

Complaint narrative:
New Complaint Experian has locked me put of my open accounts because of me reporting them and the law states consumer is supposed to be able to access there credit scores with ease i also paid for membership and still nothing form that site, I am Depressed Very Bad, Experian is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause headaches and pain not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to Experian Furnishing, Housing or producing my personal Information. I did not give written consent for Experian to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law

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 2022-03-30 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: FL

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : Chapter XXXX Bankruptcy / XXXX/ {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
On XX/XX/XXXX I tried to process a payment from my PayPal account for {$21.00} into my granddaughter account for cookie dough. A very unsuccessful, numerous attempts, never had access to a link or button to confirm or cancel payment. Therefore I tried to send a {$21.00} payment to my granddaughter using a different account. CC. Again, there was NOT A LINK OR BUTTON TO deny CONFIRM & /or process the payment. 

PayPal accessed both accounts and deducted {$21.00} from each account without consent!! On XX/XX/XXXX & XXXX hrs with XXXX supervisor, {$21.00} was refunded back into my CC accounts. Then PayPal sent {$20.00} into my account ( from an undisclosed business? ) then deducted an e check from My connected account to an undisclosed business???!??? 

Nevertheless, the {$21.00} e check is showing as a deduction XX/XX/XXXX. @ XXXX XX/XX/XXXX XXXX ( PayPal XXXX  ) stated payment was made to unknown sources. I asked for my account to be permanently deleted. Her response was we will send you a link to close my account. DOES THAT MEAN I CAN NOT PERMANENTLY DELETE MY ACCOUNT & all my information??? What why I have the right to have my information deleted from an unethical company PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 did not approve these XXXX or so inquiries on my credit report this has caused me absolute financial difficulty please remove these asap ... .this is a violation of my rights under the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: GA

Complaint narrative:
I did not approve these XXXX or so inquiries on my credit report this has caused me absolute financial difficulty please remove these asap ... .this is a violation of my rights under the fcra

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 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This account was previously deleted since it was an identity theft and I provided with the Identity theft police report to the previous collection company 3 years ago. Now I believe they sold the account to another company and the collection re-appeared 3 months ago. Ruining my credit and my home refinancing process.

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 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Family First Funding LLC
State: NJ

Complaint narrative:
It took me a long time to write this complaint, because I am a good and honest person, that got hurt really bad. 
I would like to point out how XXXX XXXX took the joy out of buying my first home. What he promised over the phone, unfortunately never put it in writing, that he will match any lower rate given to me, was a promise not keep and fulfilled. After sending him a proof from another bank, I was told sorry nothing I can do about it and I was asked to take the other offer. However, the other bank has 3 months long process and I had 3 weeks to get out of my apartment with XXXX minor children. What a monthly payment supposed to be {$3200.00} it turned out to be {$3500.00} for the next 30 years of my life. All thanks to XXXX, who decided to get caught up in numbers. Family First Funding puts money and profit first, and not the customers. I am so disappointed with he whole experience, and I feel tricked and used. I believed in his word, and in his promise and that is the biggest mistake I have done. Instead of having {$300.00} a month to put away for the kids, I gave it to XXXX. He also promised we will do refinance free of charge, and guess what? He sold my policy to another bank within the first month. Another broken promise, another used client. He also accused me over the phone that I am trying to corner him into giving me a lower rate, however he was the one that offered me to match any lower rate I get. And I got it from XXXX XXXX, he just didn't wanted to hear it - hear out the customer. Be aware of Family First Funding, apparently a family owned business, which cares about their family only. The person who works for him was very compassionate about the whole situation, because she realized what just happened. 
Purchased a house XX/XX/2022, 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 2022-03-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/2022, I called Direct Express to get a balance on my social security money. When my balance said, {$.00} I was upset as to what happened to my money, so I checked what my transactions were and when hearing that {$380.00} was taken from my account, I dialed for the fraud department to report that I didn't take that from my account. I was told by a rep. that the money was taken from an ATM at XXXX XXXX XXXX XXXX in XXXX XXXX, California on XX/XX/2022. I responded with, " That is impossible, I have my card here at home with me and have for days, as I lost the keys to my car and couldn't go anywhere and have been sick in bed for a week. '' I was told they would send me a fraud application in the mail and it would be here within XXXX to XXXX business days, and I was to fill out the paperwork and mail or fax it back to them. When I asked how someone could use my card anywhere when it was in my possession, I was told that cards are being " cloned '' and criminals are taking information off consumers cards and putting it on cloned cards. 
To say the least, I was amazed that this could happen. I was also told that they would be investigating after they recieved my fraud application. I asked if I could expedite the investagation process, as I only had {$.00} in my account. I was told what information that I was to provide in a letter from me and to fax that letter to them. I did write the letter and fax it to them, on XX/XX/2022. On XX/XX/2022 Dirct Express emailed me their decision on my case and denied me my money back and closed my case. I called them and spoke to, XXXX in the fraud dept. When I asked XXXX why they closed my case he said they would mail me the reason with documents as to why my case was denied and closed. I asked him to explain to me what was written in a letter I recieved from them via, email on XX/XX/2022. He said that was impossible, that they did not email me, that they do not email anyone in fraud cases. It wasn't impossible because I was reading to him what was written in a letter from Direct Express while we were talking on the phone!!! 
This whole investigation is a " Sham '' and I wouldn't be surprised if my money was taken by them and not a XXXX Bank ATM in XXXX XXXX. 
Since this case was closed I reviewed my transactions again and found that another {$460.00} was stolen from my account on XX/XX/2022 and I have filed a new fraud case on that money. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I received a call today from a collections agency ( Amsher ) ( amsherconsumer.com ) from number XXXX asking to pay for {$1000.00}. Related to internet/cable service. originally I thought it was a fraudster attempting to get my credit card information and asked for the name of the company that did the report and account number. The Company is XXXX XXXX. I called the customer service line and the XXXX department and they informed that is an actual account under my name. However, the only information that matches my real information is name, date of birth and phone number The service was opened in XX/XX/XXXX - XX/XX/XXXX in New York. I never requested, authorized a service in NY and never lived in NY. 
XXXX  is reviewing what happened and will get in contact with me within XX/XX/XXXX hours. 

A police report, a report with the three major credit reporting agencies and a complaint with the Federal Trade Commission is already requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
During COVID my wife was unemployed due to XXXX, so I requested Forebearance from my lender XXXX XXXX XXXXXXXX which I was approved, this lasted 18 months. after 18 months the bank gave me XXXX XXXX XXXX, I declined it because I thought modification would be better for me. I started modification application back in XX/XX/XXXX, every week the bank will ask for more docs, finally XXXX  XXXX XXXX sold my loan in the middle of the Modification process to Selene Finance on XX/XX/XXXX. 
Since Selene took over servicing of my loan I've been sending them docs and more docs, on XX/XX/XXXX I received letter indicating DECLINE of modification due to lack of income and giving me XXXX options : Short Sale or Deed in Lieu. I appealed their decision using their Modificaiton Appeal Form on XX/XX/XXXX using my XXXXXXXX XXXX income whoe lives with me for {$4000.00}. I called today XX/XX/XXXX to get a status I was told that the Appeal was declined too. Meantime I've received in registered USPS mail twice indicating Notice of Default and Intent to Accelerate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I RECEIVED A CALL FROM XXXX XXXX XXXX XXXX ( XXXX ) ON BEHALF OF FIFTH THIRD BANK REGARDING DEBT WELL OVER 10 YEARS OLD.THE CASE MANAGERS WERE RUDE, ARGUMENTATIVE, INSULITING, AND USED A BULLYING TACT TO TRY AND GET WHAT THEY WANTED. I WAS TOLD GET A JOB AND PAY YOUR BILLS ; I WAS ASKED DO YOU EVEN KNOW HOW TO SPELL COMMUNICATIONS? I WAS TOLD WERE GOING TO CONTACT YOUR EMPLOYER! MY KIDS AND THIER SCHOOLING WAS ALSO MADE FUN OF! I HAVE RECORDED THESE CALLS. FEDERAL LAW HAS BEEN VIOLATED, MY HUMAN RIGHTS HAVE BEEN VIOLATED, THIS IS A FORM OF HARASSMENT AND BULLYING AND I WONT TOLERATE IT. FIFTH THIRD BANK SOLD MY DEBT TO A COLLECTION AGECNY THAT HAS MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH THIS IS UNACCEPTABLE AND A VIOLATION OF MY RIGHTS! THEY EVEN WENT THE EXTRA MILE TO SPELL OUT PAY YOUR BILLS! I DEMAND JUSTICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I recently learned there was credit card bill in he amount of {$460.00} for a capital one card. My report shows the account has been closed or debt sold. I have never had a capital one card before. The account was opened in XXXX 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MI

Complaint narrative:
I filed a dispute about three derogatory remarks from a closed account from XXXX. For example XXXX XXXX reported a late payment which is inaccurate and has been allowed to report a late payment from XXXX to my report each month dropping my credit score each month. My credit scores is dropping around XXXX point a month due to inaccurately reported information. Most recently on XX/XX/XXXX my score dropped XXXX points due to a closed account reporting the same late payment from XXXX, but reporting it each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX around XXXX I went to PNC to deposit XXXX cash into the ATM at the PNC branch located at XXXX XXXX XXXX XXXX XXXX XXXX Pa when my transaction got denied. When it got denied the screen prompted that XXXX dollars exceeded the daily limit amount. It then prompted if I wanted to try another amount. I selected XXXX dollars expecting the ATM to give my XXXX dollars back however it did not. I immediately went into the bank where the banker took me into her office and made a phone call to headquarters to file a dispute. While very upset I explained to them I have rent to pay. My rent is due and if I dont get it payed I will get evicted. They told me that it would take 10 bussiness days to go onto my account however I am a mother of XXXX kids including a newborn child and I can not be without a house to live in. They understood and the person on the phone said that he would escalate it to the manager. After escalating it to the manager they informed me I would receive an immediate provisional credit within 1-2 bussiness days. However after reviewing my account it was never credited to my account like they had said. Now I am left without money to pay my rent and could be evicted with my XXXX children. For being a big bank corporation you would think they would have credited my account right away being the circumstances and being that the banker even saw the atm malfunction. Also being that I was told by someone in the branch that a few days before this had happened to another client and she was credited her money within a day. If this money wasnt such a big amount and was not for my rent it wouldnt be a big deal but for being a mother of XXXX young children and having a XXXX I need this money so my children have a place to live.

Company response to consumer: Closed with monetary relief