vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 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: IN

Complaint narrative:
Experian consumer credit agency is one of the 3 major credit reporting bureaus and has reported a decrease in my credit score three times in the last one month! This has negatively impacted my credit score and hurt my credit! Recently, I received a credit limit increase on my XXXX XXXX credit card. I also have an XXXX XXXX card with a {$3100.00} limit. The balance on my XXXX XXXX card is {$710.00} and my total credit usage is under 30 % for all cards but Experian has lowered my score. There have been no new recent negative accounts on my report, only POSITIVE activity yet Experian lowered my score. I called their dispute department and spoke with rep. XXXX who then transferred me to customer service rep XXXX-operator # XXXX. Per XXXX he did not understand why my credit score decreased! He mentioned that he saw a mortgage on my accountI DO NOT OWN A HOME. I HAVE NEVER HAD A MORTGAGE. He then transferred me to his supervisor who ALSO did not know why Experian is reporting decreases in my credit score. Please help me because this is negatively impacting my score and hurting my credit. Experian just transfers me from one person to the next.

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 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
For many months I did not realize or check my credit reports until one day I was called by one of the companies about a 'new card I had opened up '' To my surpise I didnt realize my identity was pretty much stolen and I was a victim of fraud. And later when I checked my credit report there were several inquiries I had not recognized!! 

The crazy thing is that I reported all of this months ago and the companies assured me they would be removed from my account but somehow the credit pull is still on my account after several months!! 

This is very ludacris I have to go to such extents to protect myself. This has hurt my chances of buying a house and I am tired of this.

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 2021-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
They were not suppose to fund the loan until the project was completed. They funded a solar panel loan in XXXX of 2020 and the project is still not complete. I have no way to pay this loan for an incomplete project and pay the power bill. They are refusing to work with me on this. They also keep attempting to pressure me into a home mortgage refinance even though I have told them to stop several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: OH

Complaint narrative:
I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: FL

Complaint narrative:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: CA

Complaint narrative:
Hello, I am submitting this complaint in a seek of help with dealing with credit reporting agency such as Experian. My credit report is showing 2 account that have been charged off and still showing balance. Account in Charged Off Status, But Still Reporting Current Late Payments. A common FCRA violation is when a creditor posts late payments after the debt has charged off a past due balance. Documenting this violation with credit reporting agency after they have been notified of violation and completely ignoring the issue has caused me in unfair credit rating and a quality of my life. I am asking to please help me resolve this matter with Experian and create a lawful and fair reporting on my credit report. 

Thank you

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 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
All my personal credit cards are stopped! I cant use them! I talked to Bank of America customer service! They are not kind! They dont help me out my problems!

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 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: OR

Complaint narrative:
this debt has been paid in full to XX/XX/XXXX Please remove this collection entirely from my XXXX  report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I had a major medical issue that required extensive surgeries and treatment over 18 months. During that time I fell 2 months behind and was in the process of a modification when the Mr. Cooper rep talked me into changing from a modification to a forbearance. ( I was doing modification in XXXX XXXX and covid hit in XX/XX/XXXX XXXX I took the forbearance because they said I could not be in 2 programs at once and I really didn't know how bad the covid thing would get. I was on a forbearance until XX/XX/XXXX and I contacted them in XXXX XXXX to start the modification process again. Now they say the only option the can give me is to pay XXXX in full to catch up or short sale my home or a deed in lieu and have denied me for both a modification or a deferment of the covid year forbearance. I have $ XXXX in equity, now that I am back to work, I am back earning more than enough to pay the $ XXXXmo mortgage payment and their 7.99 % " take it in the XXXX interest rate '', I have zero other credit card or loan debt. All I am asking is for them to tack the amount to the end and I will make payments while simultaneously looking for a new and more reputable mortgage company. They have lied and have told me conflicting information every single time I speak to them, it feels they make up rules as they go and I am done! I have been completely mislead and feel they are taking advantage of people and bad circumstances of medical issues and covid. My house has modifications and special features installed for my XX/XX/XXXX daughter. I have invested a lot of time and money to provide a safe and XXXX accessible features for my daughter. These modifications were made because of my intent to stay in my home with my daughter. I am not going anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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:
I contacted Transunion about inquirys and I told them that I did not give permission to these companies. They told me to file a report with FTC and I did. The do nothing and make me keep calling and calling and no nothing.

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 2021-02-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
Based on the amount of times i tried to dispute it they only said it was updated with my Personal address at one point they was calling me twice a day, i been laid off due to covid 19 pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account was permanently limted 6 months ago paypal said to me that I would recive my money within 180 days it has now been 184 days and they just give new excuses every single day I are tried many times with them but nothing works they just keep lying to them My PayPal email adress is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I applied for and received a loan from a company called Mariner Finance. This particular branch is located at XXXX XXXX XXXX XXXX XXXX. XXXX TN XXXX ( XXXX ). As I understand it they are a subsidiary of XXXX XXXX. The purpose of the loan was to install a chain-link fence in my backyard to keep a dog Id recently rescued from escaping. I bought the fence from a company called XXXX XXXX XXXX. They are the ones that recommended Mariner Finance. I had trouble almost immediately with the finance company. I had originally authorized them to deduct a monthly payment from my checking account. What happened was they failed to deduct it by the due date and charged me a late charge. These charges occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After all of these late charges I decided it would be best to pay this loan off as quickly as possible. So I began making larger payments. According to the contract I borrowed {$2500.00} for a term of 30 months at a rate of 16.99 %. The finance charge was supposed to be {$600.00}. I began to monitor the details of this one online. What I discovered I was that they were charging different amounts for the interest each month. I calculate that Ive been charged {$760.00} so far. Id only had the loan for eleven months. My next payment isnt technically due until XX/XX/XXXX. Ill be interested to see how much interest the charge on the next payment Ive scheduled ( {$450.00} ). I hate to think how many others these people have done this to. I should also point out that Mariner has made false claims to the credit bureaus. That ended up dropping my score by 50 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
As stated in previous complaints. My unemployment card was sent to a wrong address. I did not know I was even approved for unemployment. Not until several months later did I find out. I have been submitting claims over and over again since XXXX. Ive been told several times that I would have the credits on my account by such and such date and of course theres dates had passed and I never received anything. Their last response to me was about my card being froze at one point for suspected fraud which was cleared up by me providing proof of identity. And no explanation at all as to why my claims are denied. This entire event has consumed my life and I have been doing a lot of research and speaking to others. It appears that Bank of America is doing this to anybody who had fraudulent charges on their account. Ive spoken to over a dozen of card holders who say their accounts are negative because Bank of America credited their accounts only to put the charges back on. This bank can not get away with what they are doing to unemployed Americans. Weve all been affected by the pandemic, then to have our identities stolen on top of it and the bank holding our unemployment income is denying us access to it because they allowed fraud to happen on our 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 2021-02-27 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: NV

Complaint narrative:
The accounts listed are not mine, nor did I authorize these companies to run my credit. Please remove them immediately. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened a checking account with PNC Bank in XXXX. they have held my funds since opening and refuse to make my funds available. 

I electronically deposited 3 of my payroll checks and 1 check from my father. they sent me a letter questioning the authenticity of the checks. I went into the branch and showed them my ID and the hard copy of my pay checks. they still refuse to reimburse me or give me the checks back to deposit elsewhere. 

the deposits total over XXXX XXXX dollars and I need my money for bills. 

please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
Jefferson Capital Systems , LLC has been told repeatedly not to contact me about an old XXXX XXXX XXXX debt that is not owed by me. It has been taken care of. They continue to harass me by phone and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
AMEX ( Date opened XX/XX/XXXX ) add a negative mark ( XX/XX/XXXX ) on my credit report per XXXX. I do not know why this mark appeared in the report. In my opinion an error has occurred and I ask you to remove the mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: WA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I been a customer of experian for 3 years now with a monthly membership fee of XXXX. The company provides in my membership fraud, identity theft, stolen wallet & fraudulent transaction on a bank account up to XXXX XXXX my claim was for XXXX . I.tried to submitted a complaint with the fraud department after the covered loss happened. Although, I kept disclosing my personal information and getting directed to the same department but different representative 's going around in circles not directing me to the fraud department so I can make a claim. After the XXXX time I asked since I just paid my premium can you refund me my membership being as though you keep directing me to the same department different people and then the same people. They said no refunds. I explained in detail what happened with no response I wasn't covered just the avoidance of forwarding my call to different people in one department/ back to the same people not fraud or claims just the membership department.

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 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I have a loan with XXXX XXXX XXXX, and it is due on the XXXX of each month. But since the Gov. of La. shut things down I have lost my job, but I pay the note, but it has to be on the first of the following month. So at most, it is usually 6 or 7 days late. But it gets paid every month, it is not behind. But the company calls at all times of the day, and during my work hours. For example, the loan is only 2 days passed and they called me 4 times. There are even times that they call me from different numbers or at one point had a friend of their 's call my cell. so they obviously gave my number out. 
I have told them repeatedly that I will make the payment on the first and they keep calling, at times they are rude. Obviously they are deceptive and misrepresent themselves. I am doing the best I can, It is not my fault this state decided to shut things for no reason, which cost me a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Reported fraudulent XXXX charges, they have been working on the case for 2 months now. Didnt provide any updates, I provided all the information they needed. They now say after 2 months since I called them that they cant dispute. I filed this within the proper time span.

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