vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PAYPAL if you cant release my money, i need you made a refund. 

when you cant release the money, just made a refund nowww ... .is 1 year and you made money with my mony on hold, now i just wat you get back my money, XXXX scamer company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the XXXX MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: World Acceptance Corporation
State: MO

Complaint narrative:
This account appeared on my credit report on XX/XX/XXXX. I have never had a loan with World Finance Corporation nor have I ever done any business with World Finance Corporation. 
I was never contacted by this company via phone or mailed any correspondence in relation to this account that appeared on my credit report. I was never given the opportunity to request validation information from this company for this account that appeared on my credit report. I have never had a loan with World Finance Corporation. 
With no interaction or communication whatsoever this account appeared on my credit report showing it was from XXXX. This is not my account. I want this removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPARTMENT OF EDUXXXXBalance $ XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXXDate Opened XXXX XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
My previous HSA account holder, XXXX XXXX sent my account balance to Optum Bank for a trustee to trustee transfer. The check was for {$48000.00} and XXXX XXXX showed the check as being cashed on XX/XX/XXXX. However, Optum Bank has not credited my account with the balance as of XX/XX/XXXX and has been unable to locate the funds. I've reached out to their customer service multiple times and had cases opened and closed with no resolution. Representatives have refused to escalate my case to a manager to help, and have promised managers would call me back but they never have. My money is missing to this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21 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: FL

Complaint narrative:
XXXX reported to Experian that an installment loan that I opened in XX/XX/2019 in the amount of {$3100.00} is a charge-off. Although payments have been made regularly on this account and the account is reported correctly on XXXX and XXXX as current/open, Experian reported the information as accurate. Further, XXXX provided my payment history along with the reporting to Experian, clearly showing continuous, on-time payments. I called Experian and a dispute specialist advised that Experian does not investigate credit report disputes, they merely ask the creditor if the information is correct and update the credit report according to the response. I've contacted the creditor and they admitted it was an error but no update has been made to my credit report, which is why I went to Experian.

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 2021-09-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I called equifax numerous times. I demand these inquiries because removed immediately as I never authorized or gave my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XXXX XXXX I was approved for a XXXX loan They also opened up a checking account t with there deposit of {$5.00} I decided that I don't need the loan. 
I decided not to cash it and let it void. 
Well on On XX/XX/2021 I received a email stating I owed XXXX for late fees. So I called and ask why? Sense I have not cashed the XXXX dollar check I was told by there team staff I am to cash it send it back to them and all charges will be dropped. Well I did cash it on XX/XX/2021 it took till XX/XX/2021 for check to clear. They deposited 2 small amounts of change into my bank account on XX/XX/2021. then I was able to deposit there check of XXXX to them Into the account set up by them for the loan.. I then was told I owe XXXX for interest fees after. 
I was then asked for XXXX cents to close the account.. I believe I did not owe any money to them. sense I didn't cash the loan check.. 
Please this made my bank account XX/XX/XXXXtill next month.. can you help me understand this n how they can do this.. 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 monetary relief
Consumer complaint received 2021-09-21 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: CASHCALL, INC.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: OneMain Finance Corporation
State: TX

Complaint narrative:
One Main Financial improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with One Main Financial which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my XXXX and XXXX accounts.

One Main requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
The Fair Credit Reporting Act was meant by Congress to require that credit reporting agencies adopt reasonable procedures to ensure the accurate reporting of data with regards to credit reporting. On the three credit reports from XXXX, XXXX, and XXXX, the date of last payment regarding this Capital One account is different. On XXXX the date of last payment is shown as XX/XX/2015, on XXXX the date of last payment is shown as XX/XX/2015, and on XXXX no such date is even listed. So there are inconsistencies among all three credit reports which goes against the FCRAs stated purpose. Please ensure the furnisher of such information, Capital One demonstrates the correct date and ensures its on the reporting of all three accounts, or delete the reporting of the account entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MN

Complaint narrative:
REGARDING ORIGINAL COMPLAINT XXXX ( XX/XX/20 ). DISPUTE WAS CLOSED BUT NOT RESOLVED. FOLLOW-UP COMPLAINT XXXX ( XX/XX/20 ), NOW CLOSED BECAUSE DOVENMUEHLE ADMITTED WRONG-DOING IN WRITING - BUT STILL HAS NOT REFUNDED MY {$7900.00}. 
When we received the letter from Dovenmuehle in XXXX ( attached ) FINALLY admitting to an error, clearly stating that our loan that they transferred to XXXX XXXX XX/XX/XXXX " inadvertently '' included the erroneous second lien of {$7900.00}. They were to advise XXXX XXXX that our payoff balance was to be REDUCED by {$7900.00}. But before we received the referenced letter above, and after 8 months of fighting and getting nowhere, we had the erroroneus lien rolled into our refinance loan just to get out of our high interest mortgage while the rates were low. We refinanced on XX/XX/XXXX, a day after Dovenmuelhe wrote the letter, but that we didn't not receive until a week later. It was too late to get matters settled - and now we'll be paying interest on the nearly {$8000.00} extra on our new mortgage. 
BOTTOM LINE - Dovenmuehle received our monies last XXXX to completely satisfy our mortgage and bring us current ( I had called to get the exact amount needed ). The funds were applied incorrectly, then removed, then applied, then removed - and in the end, were never applied to our loan ( per an independent audit ). Instead an erroneous second lien in the amount of {$7900.00} was created. 
RESOLUTION - Dovenmuehle MUST refund the {$7900.00} to us! That doesn't even include the 8 months of higher interest paid with them delaying our refinance because of their error! And the additional YEAR of interest had that money been put back into my IRA from where it came! 
We've tried REPEATEDLY for more than a YEAR to settle this matter with Dovenmuehle, and still it remains- they STILL have my {$7900.00} that was never applied to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
Hello, I ( XXXX XXXX ) was living and working full time in XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. We sold our primary home in XXXX in XXXX. 
Sometime around XXXX Discover issued a credit card to someone using my name and my XXXX yr old address. 
The person maxed out the card in no time and defaulted. Upon my return to states and trying to get a credit card and buy a vehicle we discovered my low XXXX XXXX due default under my name. 
I reached out to discover asking for proof on verification of my ID before issuing the credit card. They will NOT comply. 
I have reached out to all three credit agencies with facts and they are siding with discover. 
Discover has tried to sue me. I reached out to their lawyer with facts but they refuse to talk to me. 
As a result it is becoming a XXXX vs XXXX story. I am unable to live a normal life despite being a ideal law abiding, financially responsible citizen. 
Before I start a lawsuit against discover, I wanted to reach out to you to see if you could assist. 
Happy to provide all facts. Please remember I did not live in United States from XX/XX/XXXX until XX/XX/XXXX and hence had NO utility bill to prove the same. 
This looks like a case of greed from discover and now I am the one paying the price. 
Thank you in advance for all your assistance. 
I can be reached at ( XXXX ) XXXX or XXXX XXXX. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 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: SC

Complaint narrative:
Ive disputed several times with the credit bureaus that my account with XXXX should not be showing as charged off every month because it affects the statute on that particular debt. Ive tried contacting the company and tried to dispute several times just for the account to keep reporting as a charge off every single month. Ive even asked them to remove the account from my report and neither of the 3 bureaus have yet to do so. They are violating the law by continuing to report as a charge off each and every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: WV

Complaint narrative:
Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: NY

Complaint narrative:
I have called transunion numerous times. I would like these inquiries removed from my report immediately. They are on violation and I demand the inquiries deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Self Financial Inc.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
In XXXX of XXXX my husband and I closed on a loan with Rocket Mortgage. 
First problem was the lenders fee was over XXXX more than he had quoted after promising that amount. We have never received any documentation about interest paid on the mortgage loan for XXXX. Never received any information on the appraisal. I don't think I have ever had a home a appraisal where someone walked in with their cellphone waiving ( literally ) around taking photos and left in no more than 10 or 15 minutes. That was done by XXXX. 
About 10 days ago I arrived home from a XXXX XXXX. Which I have been enduring since late XXXX. Up pulls the XXXX with an unkind letter from XXXX XXXX with XXXX, claiming we have been unresponsive to her emails ... ... .SHE HAD THE INCORRECT EMAIL. Also commenting we had been incorporative. We have had the same cellular phones for over 15 years. She needed a copy the warranty deed, they didn't have couldn't find. She is titled as a Post Closure Specialist. We have complied with every request. They wanted an Ariel View of the property we did it, whatever they have needed we went down to the courthouse and found it not the title company. We have now sent them a copy of the warranty deed. THIS IS BEYOND BELIEF. THE LOAN CLOSED LAST XX/XX/2020. I will not be doing business with them in the future. Just received a closing paper in a pretty red and black box last week. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a XXXX late payment from 5 years ago listed on my closed Capital One credit card that is being reported to all 3 credit bureaus. That card had a perfect payment history with the exception of this XXXX derogatory remark on XX/XX/2016. I contacted Capital One to get more information regarding this late payment. They stated that they did not have any information on record and were extremely rude and short with me stating there is nothing they can provide or explain to me regarding this account information. Even after escalating this issue to supervisors, I was told the same response. I am extremely disappointed in Capital One 's handling of this issue and regarding this late payment reported to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GEMINI CAPITAL GROUP, LLC
State: GA

Complaint narrative:
I called today to discuss Complaint Numbers XXXX and XXXX. She states she did see the complaint but that it was not my name. Therefore, she was unable to speak with me regarding the protests. I explained to her that the case goes back to XXXX. She explained that was not a valid case number on her end but gave me a corrected case number of XXXX. She gave me numbers for senior resources then we were disconnected. I tried to explain to her, as I had previously stated, that I had credit protection from XXXXXX/XX/XXXX at that time when I went to court for the garnishment. Still, I could not find the documentation I saw, and I am attaching this case. It is dated XXXX XXXX, 2002. I also have other documentation from XXXX regarding my accounts. Since there is a garnishment, I would like to have this removed from my account. I am a senior raising my XXXX-year-old granddaughter, who is an orphan. I called today hoping to resolve this but was disconnected. Also, I received a notice sent to my school account that I had to start paying {$50.00} per month to them without notification to a school email which is not one that I usually use. 

Plus, there are two accounts and I have credit protection on both accounts in which I did list both numbers below.

Also, I am disturbed about this entire situation from Gemini Capital Group, and my credit did improve, and now I feel if I don't pay this {$50.00} to them, it will severely impact my credit again. I wanted to speak to someone today, but it was mute. I hope you can help me. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive disputed several times with the credit bureaus that my account with XXXX should not be showing as charged off every month because it affects the statute on that particular debt. Ive tried contacting the company and tried to dispute several times just for the account to keep reporting as a charge off every single month. Ive even asked them to remove the account from my report and neither of the XXXX bureaus have yet to do so. They are XXXX XXXX XXXX by continuing to report as a charge off each and every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: SC

Complaint narrative:
Ive disputed several times with the credit bureaus that my account with XXXX should not be showing as charged off every month because it affects the statute on that particular debt. Ive tried contacting the company and tried to dispute several times just for the account to keep reporting as a charge off every single month. Ive even asked them to remove the account from my report and neither of the 3 bureaus have yet to do so. They are XXXX XXXX XXXX by continuing to report as a charge off each and every month.

Company response to consumer: Closed with explanation