vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
I am XXXX years old and what AAG did to me is not correct. My name is XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX, email XXXX ( address is also the one in this rev mortgage ) On XX/XX/2019 I received a phone call from AAG reverse sales person XXXX XXXX. The 1st question asked is if I was married and I said yes, separated, going through a divorce but basically 'yes I am still married '' I told AAG , they said we'll work around it no problem, I pay {$120.00} for the counciling fee, I pay {$570.00} for aprasail.the {$650.00} for foundation inspection and I borrowed money to do so. All paperwork approved and in order and the day I was approved and to sign, on XX/XX/19, almost two months later they state that I could not get a loan because I was still married. On the first day AAG and I discussed this and AAG said no problem I will get the loan said I'd get it anyrate. My house is owned 100 %, no mortgage or debt, solely by me, nobody 's name but mine is on it. My house was paid cash by me and Deed states so, BUT FOR AAG TO TELL ME THAT I'M MARRIED AND DON'T QUALIFY ON LAST DAY SUBJECTED ME TO FINANCIAL ABUSE, ( I WAS PROMISSED IN WRITING I'D BE GETTING  OVER $ 70K, AND TOOK OUT LOANS FOR AAG 'S COSTS AND MY BILLS ) I WAS LYED TO, I WAS ABUSED AND I FEEL THE STRESS THEY PUT ME UNDER FOR 2 MONTHS WAS TOTAL ELDER ABUSE AAG SHOULD RETURN ALL MY LOST TIME AND MONEY AND STRESS FOR LYING TO ME ... 2 months of wasting my time and with unbelievable stress for them to lie to me, put me in more debt, I'm going to go to Court not small claims, because they cost me {$10000.00} for a promised payment I did not receive this isn't right. It's Elder Abuse with my money.They still have a lien on my property they never gave me money for, hurting me in other financial directions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX they say I owe I have been a victim of a naturel desater

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
Paid company off, with an settled amount and i need this debt removed from my credit report. The less collections on my report the bigger my buying power.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2019, my wife of XXXX years who is XXXX years old was called from a legitimate XXXX, XXXX telephone, whom she calls quite often for help, which she pays for this service. She was told that her computer had been attacked with a virus and the only way to cure this problem was to buy a series of XXXX XXXX ( she had no idea of what a gamestock card was ) using her CITIBANK VISA CARD and that XXXX would reimburse her for the charges. During that night, she purchased {$4000.00} worth of these cards and received fictitious emails from XXXX that these were being reversed. CITIBANK has seen this happen many times and I am told that they have a program to warm them of a possible fraud happening. She was never called and warned by CITIBANK. The next XXXX continued calling and requiring more gamestock cards and she charged an additional {$17000.00} for these, for a total of {$21000.00}. 

Our complaint is against CITIBANK and XXXX for not warning XXXX of the fraud and not recommending she not charge any more the following day when they had at least 8 hours to trace this fraud and issue her a warning.

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 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX there are 2 public records ( dismissed bankruptcy ) that appear on my credit report that should not be on there due to the fact that the information is inaccurate and it is also unverifiable. I have a personal letter from the US District Court of Bankruptcy that states they do not report to the Credit Bureaus, this statement along makes the public record unverifiable. I am disturbed that Trans Union and XXXX  continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.

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 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX there are 2 public records ( dismissed bankruptcy ) that appear on my credit report that should not be on there due to the fact that the information is inaccurate and it is also unverifiable. I have a personal letter from the US District Court of Bankruptcy that states they do not report to the  Credit Bureaus, this statement along makes the public record unverifiable. I am disturbed that XXXX XXXX and Experian continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.

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 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am issuing this complaint against TransUnion for withholding a refund from me, forcing me to provide my credit card information when signing up for an account, and ultimately billing my account for a service that I was unknowingly signing up for. 

Background : I unknowingly signed up for a credit monitoring program at TransUnion. I had originally signed up for TransUnion to receive a free credit score using their services provided. When making an account on TransUnion around XX/XX/XXXX, they had asked for my credit card information and signed me up for their credit monitoring program without my explicit permission. I begun getting billed $ XXXX/month every XXXX day of the month starting from XXXX to XXXX. I have cancelled that subscription on my account for TransUnion on XX/XX/XXXX and reached out through their customer service line, XXXX ( XXXX ) XXXX, for a refund payment of those XXXX months. The customer service line tried to withhold the payment for XXXX, but would issue a refund for the other two months. I had asked what services I had used for them to justify withholding a refund for XXXX, but they were unable to tell me. I even mentioned that I only used their free credit score platform during the month of XXXX to which the TransUnion customer service line said I can get a full refund for all three months. I was to receive the refund electronically in 3-10 days starting on XX/XX/XXXX, to which I will be persistent on getting back.

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 2019-09-22 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: Capio Partners, LLC
State: FL

Complaint narrative:
XX/XX/2019 {$67.00} Assest Care LLC XX/XX/2019 {$120.00} Assest Care LLC XX/XX/2019 {$170.00} Assest Care LLC XX/XX/2019 {$77.00} Capio Partners XX/XX/2019 {$470.00} Capio Partners XX/XX/2019 {$110.00} Capio Partners they these charges on my on my credit reportold debt tried to call Assesst Care LLC and Capio Partners they will not give me any information on these debtsThis debt fell off and they made multiple robo calls hanging up on me prior to entering it after multiple calls to me hanging up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
As more fully set forth in the attached documents : On XX/XX/2019, an item I listed on XXXX, XXXX XXXX XXXX XXXX Graphic Card, was sold for a total of {$520.00} plus {$24.00} for shipping fees. The buyer received the item on XX/XX/2019 and then two days later on XX/XX/2019, filed a complaint with PayPal stating that they only received " some bubble wrap '' and " outside shell of product. '' PayPal gave me the chance to refute the claim. I refuted the claim and sent in evidence of a USPS receipt with the actual weight of the item listed at 4lbs 9.2 oz. I believed this was enough for PayPal to find my claim credible and  the buyer 's fraudulent but this was not the case. Before notifying me of their decision and without any warning, PayPal transferred the sale proceeds out of my account and into the buyer 's account, leaving me with a negative balance. Only after the transfer of my funds did PayPal notify me that my appeal was denied for vague reasons. I called PayPal again asking them to let me appeal their decision and they obliged. I uploaded an affidavit, an internet crime complaint, and a formal complaint. After receiving the information, PayPal has again decided to side with the buyer because " they provided valid documentation supporting their claim. '' I have never seen this documentation but am told it is the same IC3.gov claim  that I have filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX with 30 days late remark on XXXX and XXXX  XX/XX/XXXX with 30 days late remark on XXXX  I also see some inaccuracy on this report so I am making sure that everything is being updated accordingly. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. Thank you for taking this seriously.

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 2019-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've been in contact with transunion for over 6 months. This company continues to report information from a XXXX XXXX on my report. Specifically a item from green dot bank. I've reached out to XXXX XXXX XXXX and they have agreed my information does not match this file! 

They refuse to remove this item from my report as both XXXX  and XXXX  have already done. 
I've made it clear to transunion that section 609 of the FCRA makes it clear this information needs to be verified. I've asked for many documents that show this is my card or account, transunion has not provided it. 
I've exhausted all options to get this removed. 

This is not my account. The social, the name, etc do not match.

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 2019-09-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted XXXX, Experian, and XXXX 3 times requesting information on all accounts. I requested to see a copy of an original contract that I allegedly signed for all accounts. All 3 times all 3 credit bureaus have refused to produce documents showing my sinature on accounts that do not belong to me. The accounts are listed below 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 non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has their Chase Sapphire Reserve cars that gives 3 % back on travel and dining. 

I went to a parking lot and paid {$9.00}. It showed up as bills and utilities ( doesnt give 3 % ) and then a few days later I went to a taqueria for lunch and paid {$12.00}. It showed up as automotive ( which doesnt give 3 % ) Chase Bank is purposeful in trying to get out of paying the promised cash back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 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: NY

Complaint narrative:
I applied for an account with XXXX and they denied me even though my credit is in good standing because of wrong information from Experian. I have submitted claims with experian and they are reporting my credit at XXXX which is not. I have paid most of my credit cards off and resolved my judments a while ago but experian is still showing outdated information. I also show 11 inquiries on my credit which were done by an auto dealer and I did not authorized that many inquiries. Those are still showing on my report since last year and have not been cleared!

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 2019-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted Transunion, XXXX, and XXXX 3 times requesting information on all accounts. I requested to see a copy of an original contract that I allegedly signed for all accounts. All 3 times all 3 credit bureaus have refused to produce documents showing my sinature on accounts that do not belong to me. The accounts are listed below 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 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Winn Law group on the first hand will never answer their phone and will keep you on hold until you basically give up. I even went to their office location and was threatened that they would call the police. This lawyer has some sort of serious ax to grind with me personally and they are collecting on a debt that they already successfully garnished my wages and the full amount was collected until they came up with an amount and even placed a lien on my home. They go to court without even notifying me to defend myself and pray upon me as if I am some sort of evil person. This XXXX XXXX XXXX refuses to even call me or make any contact. How is this type of evil allowed to collect from a debt collector that will not take my calls and even let me know anything? 

I do not know what the original debt is can someone help me??? 

Also they list they are the lawyer for XXXX XXXX and XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2019 I went to Huntington Bank in XXXX to open up account that would pay {$200.00} if you made a deposit of {$10000.00} and maintained for 60 days. The lady opening account open the account that I did not ask for. She closed that account and open the account that will pay me the {$200.00} but forgot to put in the promotional code XXXX. The promotion stated {$10000.00} cumulative deposits have to be done within 60 days I deposit {$25000.00}. I've talked to a XXXX XXXX on several occasions and he told me someone is investigating. This was a problem created by the bank but the bank will not correct the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-22 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: SC

Complaint narrative:
There are fraudulent addresses and inquiries reporting on my credit file that need to be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: IN

Complaint narrative:
BB & T refuses to classify this account correctly. It is not a sep. It was disallowed by the IRS and {$26000.00} in taxes, interest and penalties have been paid.

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 2019-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP
State: OH

Complaint narrative:
On or about XX/XX/2019 I went to Key Bank in XXXX Ohio to open a checking account per their mailing. The offer states to get {$400.00} open a checking account with a one single deposit of {$500.00} or more within 60 days of opening account. When I got to the bank they informed me that I have to make {$500.00} deposit every month. Nowhere does it says you have to deposit {$500.00} every month. This seems to be a bait-and-switch tactic on the part of the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries do not belong to me, I've never applied for any of these accounts.

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 2019-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These inquiries do not belong to me, I've never applied for any of these accounts.

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 2019-09-22 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:
These inquiries do not belong to me, I've never applied for any of these accounts.

Company response to consumer: Closed with non-monetary relief