vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 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: DISCOVER BANK
State: TX

Complaint narrative:
In XXXX of XXXX, I contacted Discover Bank to inform them I would be unable to make a payment because I was forced to leave my home during the Texas Snowstorm. Also at this time, I gave Discover my new banking information, as I was using XXXX XXXX, and they had seperated from XXXX and gone to their own operating system. I informed the collections agent that I would be paying during the month of XXXX when I was able to do so, as I had missed a week of work and was not going to be payed by my job during the week of the storm. In XX/XX/XXXX a payment was made using the XXXX XXXX  account in the amount of XXXX dollars, which was processed correctly. In XX/XX/XXXX, I contacted Discover to ask an unrelated question. I was encouraged to sign up for XXXX XXXX  and was told not to worry and all my payments would be processed automatlically. I expressed my concern to the agent that any post dated check payments would not be processed, as XXXX does not issue checks and does not except check debits from outside sources. I accepted the agents offer based on her assurances everything would be processed correctly, and made a payment in the amount of XXXX using a post dated check system, rather than an ACH. My payment of XXXX payment was returned a week later, and I called to make a replacement payment using the same banking information. The agent assured me this payment would be processed using the ACH method, and was processed correctly on XX/XX/XXXX. On XX/XX/XXXX, I contacted Discover to make a XXXX dollar payment to my account, and explained the necessity to process the payment as an ACH and not a post dated check. She stated she was processing my check as an ACH. On XX/XX/XXXX, my payment returned. I was told this payment was processed as a post dated check, even though I had asked Discover not to. On XX/XX/XXXX, I attempted to process another XXXX payment. I was told this was returned on XX/XX/XXXX. It is unclear why this payment was returned, and was advised by Discover that I should contact my bank. My bank is unaware of any payments made and stated that they could track a payment using a trace ID number. Discover is unwilling to give me the Trace ID number and has stated that any payments returned will be reported to my credit, and is unwilling to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase auto finance reported my account 30 days late on XX/XX/XXXX. 
A payoff check was sent to them on XX/XX/XXXX, and XXXX has a Proof of Delivery signed for by a Chase representative on XX/XX/XXXX. 
The check was misplaced by Chase and never applied to the account resulting in the derogatory marking on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
PayPal has a service called PayPal XXXX, which acts as a virtual card that generates a unique number and allows you to charge underlying cards you attach. This provided an easy way to manage multiple credit cards, as I can switch the underlying card easily and only need to remember and use one number rather than multiple. PayPal acts as an intermediary and charges my credit card, then facilitates the payment to the merchant. 

On XX/XX/2021 I received 6 refunds in regard to transactions I made at XXXX, XXXX, and XXXX using my PayPal XXXX  at the end of XX/XX/2021. On or around this same day, my PayPal  account was permanently limited for undisclosed reasons. I am unable to access these funds, and/or receive refunds from any outstanding transactions. 

The following transactions were refunded to my PayPal account, but I am unable to withdraw : XXXX {$4900.00} XXXX {$3000.00} XXXX {$4300.00} XXXX {$1900.00} XXXX {$3000.00} XXXX {$3000.00} I also had refunds sent to me by the merchant for these two outstanding transactions, Missing refunds from transactions : XXXX {$3100.00} XXXX XXXX {$5000.00} XXXX These transactions were for personal airline tickets in my name I purchased using my credit card through PayPal XXXX. These flights were subsequently canceled, and refunded to me. It appears these refunds have been going to my PayPal cash balance, not the actual underlying credit card used on my PayPal  XXXX. Because of this, I essentially have $ XXXX in credit card bills, but PayPal has held the refunds as theirs! 

I am respectfully requesting the release of my funds. These funds should have been refunded to my underlying credit card. I can not be charged for a transaction that was canceled and refunded and have my funds held. I request either the release of these funds, OR the return of these funds to my underlying credit card that was charged by PayPal XXXX. 




I also had refunds sent to me by the merchant for these two outstanding transactions, Missing refunds from transactions : XXXX {$3100.00} XXXX XXXX {$5000.00} XXXX Additionally, I am requesting the return of my funds for these 2 above transactions that were unable to be refunded by the merchant. I am unable to dispute this transaction with the merchant because PayPal has limited my account and dispute access. Essentially PayPal is not allowing the merchant to refund me, and I can not open any dispute or inquiry into this matter because PayPal has limited my account access!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
On XX/XX/21, a complaint ( XXXX ) was submitted on SANTANDER CONSUMER USA with attached Cease and Desist -- pursuant to 15 USC 1692c. ( c ) On XX/XX/21, a response was received from SANTANDER CONSUMER USA that confirmed verbatim, " We have submitted a request to place the above referenced account into cease and desist status and you will no longer receive any further communication regarding the account except for certain notices via mail required by applicable law ''. 

Meanwhile, the company, SANTANDER CONSUMER USA disregarded their own message. On XX/XX/21 and XX/XX/21 SANTANDER CONSUMER USA called repeatedly. 

Attached are the screenshots of the phone calls. 

Screenshots labeled as yesterday is in reference to XX/XX/21. 

The employee ID : XXXX ( XXXX ) called on yesterday, XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: HI

Complaint narrative:
Equifax makes it difficult if not impossible to contact them to dispute! Although I have an excellent credit score, credit agencies rely on defective parameters to assess credit worthiness and scores. As a senior of advance age, with no factual indebtedness, and substantial assets, there is no basis for criteria revolving around credit debt for the elderly, such as mortgages, car loans, or other loans. It is fundamental of good financial management, as one ages, to clear all long term debt! The lack of debt should not be a negative. Suggestion that I am using more of short term than is factual. No long term debt. For decades, these credit agencies, ignored the facts, and made it impossible to get credit in the U.S., despite my mortgage free home in U.S., and no debt. As I had excellent credit in XXXX, my home base, one would expect these same credit agencies with operations in XXXX, to communicate! The system appears to favor those in greatest debt. Credit scores are too often based on flawed basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This account still shows on transUnion, but has been removed from the other two reporting agencies. I have attempted to call and get it removed as well gone and paid a credit clean up company to have it removed as it was done by XXXX  and 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 2021-06-04 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: Great American Finance Co
State: CA

Complaint narrative:
Great American Finance is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. GAF also show inaccurate information on all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Ive been trying to get a hold of my freedom mortgage to correct the issues with my refinance. The last time I called the direct number I was hung up on by my loan officer. 

My loan still has not closed although it has been over 3 weeks. I have attempted to close the loan on two other occasions and freedom mortgage made mistakes on the paperwork. My refinance loan has been in process since XXXX. I have my XXXX payment due and I need to close between XXXX and XXXX on XXXX XXXX due to a number of extenuating circumstances. I will not be available to close past the XXXX as I am in the military and have orders to move to South Carolina. I have made it abundantly clear the last 4+ times I have called freedom mortgage to receive an update. Every update over the phone I have received from freedom mortgage assured me that the issue would be resolved in the next XXXX hours and I would receive a call from the company to schedule. I have never once recieved a call back or follow up via email in the last three weeks. Nothing has been resolved.

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 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
This is a bill from a electric company I owe apparently but was not billed until years and years later when I have a current address up to date. I always paid my bill. I was a young single mom and going through a energy program at the time and had duke. Not sure how I owe all this money all the sudden. I have tried to dispute. Ive never received a bill let alone a itemized bill. Have had the same address and its public record for 6 years now. This is bull city financial who has this debt now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: MD

Complaint narrative:
Hello, I am requesting that the 30 day lates reporting as of XX/XX/2020 to XX/XX/2020. 
My finical world was turned up side down when COVID-19 hit. I was not informed that my payments were late and payed them as soon as I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: GA

Complaint narrative:
Good Evening, recently was viewing my credit report and seen accounts on my report that are not mine. Looked up online what to do next and I Seen it was best to get an FTC report which is a police report and also got a identity theft affidavit. I filed both, I attached the identity theft victims complaint and Affidavit. Also the FTC report. These accounts are pushing me back. I was wondering why my score was down and i was having problems getting approved. This hurts bad to know that im a victim. Its better to know i will be helped. 

Thank You in Advance. 
XXXX bless 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 2021-06-04 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: GA

Complaint narrative:
Good Evening, recently was viewing my credit report and seen accounts on my report that are not mine. Looked up online what to do next and I Seen it was best to get an FTC report which is a police report and also got a identity theft affidavit. I filed both, I attached the identity theft victims complaint and Affidavit. Also the FTC report. These accounts are pushing me back. I was wondering why my score was down and i was having problems getting approved. This hurts bad to know that im a victim. Its better to know i will be helped. 

Thank You in Advance. 
XXXX bless You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OZK
State: GA

Complaint narrative:
This is more information for case Id XXXX Upon speaking with Bank of Ozark the assistant manager told me that my colleagues contact information for his XXXX account was changed by her back office because of an upgrade to their system was taking place. So his contact info was once his phone number then it was changed to his email and {$1000.00} is lost in cyber banking. 
So all the banks related to this incident is claiming no responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: FL

Complaint narrative:
I sent a letter to all three credit report explaining my situation and the purpose to have a good credit. Recently my Equifax was XXXX and they subtracted XXXX points because I open a new credit card and I think it is a lot of points and it is a mistake. My credit score instead of going up goes down. I dont have late payments and my credit uses it is not to high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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:
There are XXXX accounts on my credit report that do not belong to me I have tried disputing these with the bureaus as well as the furnishers but nothing is being done I need to remove these from my credit report since I have not signed used or know what these accounts are!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. XXXX also show inaccurate information on all 3 credit reporting agencies.

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 2021-06-04 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: CA

Complaint narrative:
XXXX XXXX XXXX is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. XXXX also show inaccurate information on all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
XXXX XXXX XXXX is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. XXXX also show inaccurate information on all 3 credit reporting agencies.

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 2021-06-04 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: LEXISNEXIS
State: WA

Complaint narrative:
XXXX Corporate Headquarters : XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, Utah XXXX REGISTERED TRADE NAME PROPERTY NOTICE TO CEASE AND DESIST From : XXXX XXXX XXXX DBA XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX, WASHINGTON XXXX XXXX ] Date : XX/XX/2021 Re : Registered Certificate of Assumed Name XXXX county Superior Court No. XXXX and Registered Trade Name with Minnesota Secretary of State File No. XXXX. DC Corporations Division : XXXX XXXX, The trade name XXXX XXXX XXXX, et alia ( TN ) is registered property of XXXX XXXX XXXX. 
It has come to my attention you are in direct violation of infringement on my property. 

The infringing actions include the following : Misappropriation of the TN on credit bureau reports.Take notice, I have the right to protect, limit the use, protect my good will, reputation and commercial affairs and the use of my property. You are in a trespass on my TN NOTICE OF PENALTY FOR UNAUTHORIZED USE XXXX XXXX XXXX united states dollars penalty for each unauthorized use of the TN or any derivative or variation thereof is your agreement to pay me per unauthorized use. These terms are due and payable in net seven ( 7 ) days. 
Authorized use requires prior express written permission from the undersigned owner of the TN or any derivative thereof. 

IT IS REQUIRED THAT YOU : Remove all TN references from credit bureau agencies at once You have ten days ( 10 ) to comply with the above request. 

I remind you that this letter serves as a pre-suit notice for a lawsuit against you and failing to correct will likely make you liable for any damages the court determines I have suffered as a result of your infringement ( s ) including any reasonable attorneys fees. 
It is in our best interest to have this issue settled outside any federal or state court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: AZ

Complaint narrative:
I mailed in a notarized FTC report to Experian and called a day later to follow up. The rep hung up on me within seconds. I called back today because I still didn't get a response and they hung up on me after they said they would verify if they received the FTC report. I can't get through to them and they aren't taking my file seriously. Identity theft has caused me major damages over the last year, leaving me with unauthorized inquiries on my credit report. According to the FCRA, by law, unauthorized inquiries must be removed. I have filed an FTC report per my lawyer.

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 2021-06-04 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: TX

Complaint narrative:
I've sent multiple letters to these credit bureaus regarding fraudulent inquiries on my credit report. And they wont remove them. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation