vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I opened a paypal account but system dont let me use it because say Im a risk and then block and limit my account, I sent all the documents that PayPal system needs to verify my identity and open my account but they were unable to activate or remove the limitation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capitol one has XXXX hard inquiries that hard inquiries that have reported to my credit report and I have never applied for anything with capitol one. The dates are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
COMMUNITY loan has added more money to my mortgage for FEMA required flood insurance XXXX have been talking to them for months about how I am already paying more in my condo assessment for flood insurance, even sent them a copy of the policy. COMMUNITY loan says they are having problems with the policy because it doesn't mention my unit number, just the condominium building and so this has been going on for 3 months and they are still charging me for flood insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
I been making my regular payments on time and also making additional payments & notice my balance was not going down, most of my payments was being reveresed, but know one can explain to me what that means.my additional payments was going to interest only. I could never see how my payments are being apply to my loan. I try calling the company to deal with my payments, but know one could explain why my payments are not being apply to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: MD

Complaint narrative:
I entered into a 15 year lease for solar panels in XXXX with a company that is now bankrupt, XXXX. The lease specifies monthly payments that escalate by approximately 3 % per year. The entity collecting the payments has changed several times since then, and all the servicers abided by the original contract except the most recent one, XXXX XXXX Experts which also does business as Spruce. In XX/XX/XXXX, they started billing me for the monthly amount due in XXXX instead of the contracted amount for the current year. Because this was set up as a direct debit from a checking account, I also contacted my bank on multiple occasions and they helped me receive refunds for the incorrect amounts. When the wrong amount continued to be debited, the bank blocked Spruce 's account number after reading my original contract with XXXX and agreeing that Spruce was not abiding by the contact terms. The very next month, Spruce attempted to circumvent that block by putting through a debit under a different name, which was caught by my bank and not paid. At that point, the bank advised that the only way to stop the debits was to close the account, which I did, at considerable inconvenience. I started paying with paper checks from that point forward. Subsequent invoices from Spruce started showing seemingly random, wildly high amounts. After numerous unsuccessful attempts to contact them, I lodged a complaint with the Maryland Office of the Attorney General who sent them the attached letter. Spruce completely ignored the correspondence, and I was advised by my representative at Maryland XXXX that there was nothing more they could do to assist. Today, I continue to pay the correct amounts per the original contract by paper check and continue to receive invoices for amounts that appear to have been plucked out of thin air. I went online to see if others had similar experiences with this company and came across their XXXX  ranking of XXXX Anything you can do to assist me in getting the attention of this rogue company and getting them to honor their contracts is most appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
There is a hard inquiry from CBNA/citi bank XXXX and I have never applied for anything at Citi Bank XXXX The inquiry happened on XX/XX/2021. Already contacted bank.

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 2022-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I disputed the information on my credit report with TransUnion in 2017. XXXX has not tried to contact me in anyway and has not been able to verify this debt. It still states on my credit report its an active dispute. Please remove since this can not be verified.

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 2022-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I disputed the information on my credit report with XXXX in 2017. XXXX has not tried to contact me in anyway and has not been able to verify this debt. It still states on my credit report its an active dispute. Please remove since this can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I disputed the information on my credit report with XXXX in 2017. XXXX has not tried to contact me in anyway and has not been able to verify this debt. It still states on my credit report its an active dispute. Please remove since this can not be verified.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-UnfaiXXXX practices Under 15 U.S code XXXX civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have called multiple times about these checks that are coming out of my account that are not authorized. I did not write them and I had also asked you to block any transactions from this company.

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 2022-03-08 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: NJ

Complaint narrative:
XXXX XXXX has 3 hard inquiries that hard inquiries that have reported to my credit report and I have never applied for anything with cXXXX XXXX. The dates are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2022-03-08 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: NJ

Complaint narrative:
XXXX XXXX has 3 hard inquiries that hard inquiries that have reported to my credit report and I have never applied for anything with XXXX XXXXXXXX. The dates are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: MO

Complaint narrative:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify :

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 2022-03-08 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: FL

Complaint narrative:
I have Hard inquiries on my report that i did Not authorize at all! 

Transunion - XXXX XXXX, XXXX bank & XXXX Credit - XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XX/XX/2021 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 2022-03-08 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have submitted disputes through XXXX  and XXXX. The loan shows as closed on my XXXX  report and it was paid off in XXXX of 2021. On my XXXX report the loan is still open with an unpaid balance. Both are incorrect.

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 2022-03-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Around XX/XX/2014 Bank of America falsely reported my address and other information to the credit reporting agencies. I have shown the bank that it was and remains a victim of mail fraud and identity theft. The bank has, since those fraud incidents and their subsequent false credit agency reports, become a victim of forgery perpetrated by the same entity. Bank of America refuses to correct the false report and is now complicit in the ongoing fraud and continues to conspire with the perpetrator.

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 2022-03-08 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: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-03-08 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: MO

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {XXXX XXXX XXXX XXXX XXXX XXXX : XXXX US DEPT ED XXXX XXXX : {$2400.00} XXXX  XXXX Balance : {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Target has reported a hard inquiry to my credit report. They pulled it on XX/XX/2022 and I have never applied for anything from target. Already contacted them to tell them it was fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2022, I received a message from Chase Fraud alert that someone had put a {$1400.00} purchase on my credit card account. They messaged me at XXXX AM and I responded immediately also at XXXX AM that it was not me. They took the charge off and I went back to my normal life, not thinking anything of it. On XX/XX/XXXX, they re-billed me for the money saying that it was a valid transaction. They said that the company XXXX XXXX ) which someone had purchased a XXXX XXXX for the above amount, with my name, email address, phone number, and a fraudulent email, had purchased the item. I told him that it was not my email account, and I never have been to that XXXX XXXX in years. I even told them that I responded right away to the issue, and filed an appeal. They as of XX/XX/2022 still denied my appeal and claimed it was a valid transaction. I have filed a police report about it in the past week, Ive contacted the merchant, and Ive talked with Chase fraud, and I received no help, they provided me no phone call or email or message until the XXXX letting me know what to do or how to pursue. They failed to disclose that the individual made XXXX purchases apparently, even though the text I got indicated they had DENIED the transaction. They have put the burden of me trying to prove my own innocence on me, and despite their claims of preventing/resolving fraud, are making me pay the {$1400.00} on my own for a purchase I never made!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: MI

Complaint narrative:
I was a victim of fraud. The card was through XXXX, XXXX. Was turned over to debt collection called credit control , LLC they continued to call send letters and threatened me until i just paid it. After paying it I still received letters from them stating it was unpaid!

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 data gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be delayed promptly. I de an these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and May have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was notified by XXXX that I had an account that was previously over 30 days late. My score dropped by XXXX points. I never have paid an account late. This particular vehicle account is on auto draft. I called and went online and confirmed all payments had been received and paid on time. I was told by usaa there wasnt anything they could do but have me go on usaa.com and fill out a credit dispute. On each attempt their system errors out and tells me to try again. This is not okay. They should have a better resolution when their agents can see that I have excellent payment history. But instead they make the consumer attempt to get the reporting corrected. Meanwhile this will affect other lenders credit decisions. Not okay and usaa should be held accountable!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation