vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I applied for an XXXX XXXX XXXX XXXX XXXX  and I was approved. I was notified by the state that the amount that I was approved for was up to {$25000.00} and they were said to pay that to Penny mac in XX/XX/XXXX. At that time I owed over {$17000.00} Penny mac and the state both verify the amount with me but when it came time for the state to pay the actual amount because Penny mac saw the amount coming they said I was not in arrears anymore and the state program denied me. But I wasnt paid up and I have been working since XX/XX/XXXX trying to straighten it out with the state. The state blames Penny mac Penny mac blames the state Penny mac told me that the state had everything so messed up that they were sending {$200000.00} payments to single people and they were having to sort out the money to distribute it properly and that with all the money the banks were given as a bail out and the state was given to help us out Penny mac told me that they only service XXXX families from the state of Illinois program. So now Im really curious where did my money go that I was approved for because now they said I was denied because I owe more than the grant amount. I certainly wouldnt if my grant was paid on time because I was qualified for it at the time and the only thing that disqualified me was the fact that Penny mac said they saw the money there and that I was no longer in arrears. Anywhere that Ive worked my life if I made that big of a mistake I wouldve been fired and I dont really care if Penny mac wants to point the finger at the state or vice versa I want the money that I requested and was approved for dont think its fair that Im slipping between the cracks. I had a similar problem with XXXX XXXX because they werent in their office and didnt sign for my package that I sent on time in XX/XX/XXXX they denied me and now I have to start over from scratch which means that any backpay is no longer available I have XXXX XXXX XXXX XXXX and XXXX XXXX and Im really tired of getting the runaround and hope somebody reads this and understand the situation. I could not possibly be the only one that the state miss handled funds with. If you cant help me please help other people and keep an eye on our crooked state programs. If I didnt get the amount I was approved from where did it actually go?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I recently applied for a line of credit back in XXXX to XX/XX/2021 with XXXX XXXX I was initially granted a credit line of XXXX dollars I made purchases through country door arould XXXX of merchandise I as a consumer faithfully and responsibly made good faith too pay the company for the purchases I made allways makeing payments never being late and have paid balance down too XXXX recently this company reported my account too the credit bureaus dropping my credit limit from XXXX too XXXX dollar credit limit throwing my utilization at 228 % for this account causing damage too my score I feel as a consumer Ive been targeted by a mistake on the part of XXXX XXXX  and its company I contacted the company too reference my case without any reasoning and told them I felt I had the rights as a consumer too be concerned of such unfair business practice and would report the matter as a consumer that has made a good Will effort too pay my obligation over time and Ive not been late on any of my current obligations too anyone Im doing business with I respectfully ask for a investigation thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: NY

Complaint narrative:
I have requested for Equifax to remove numerous items from my consumer report, some have been removed while others have not and Equifax claims that they are " validated ''. I am a victim of the Equifax data breech as well as identity theft victim. I am still battling with Equifax about these accounts XXXX, XXXX XXXX XXXX, and XXXX. I recently submitted my FTC identity report to Equifax and am awaiting results. I am also submitting my proof here as a backup.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
on XXXX I received a letter with a debit card and account information for a recently opened account with Chime. The account was opened fraudulently and without my knowledge or permission. 

When calling into customer service, it took XXXX tries to get to a live person. They refused to close the account or put me in contact with their fraud department. 

1 customer service rep and 2 supervisors pushed off my request to close the account and stated I needed to email the support team for assistance. 

escalation ticket submitted by supervisor is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
this bank really needs to stop playing with me ok you guys know XXXX has no Chips in these prepaid cards cuz its not in the one I have now I didnt authorize any withdrawals from my account and you guys know my card was stolen so fix my account please my claim for XXXX XXXX my claim for XXXX I do not have time for this company to be trying to come up with any and every excuse for delaying or not trying to give me what Im entitled to they are stealing they keep approving XXXX claim and denying the other then approving them again just stop and give me my money XXXX it!!!!

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
Quicken loans is my current mortgage company who I recently refinanced with in XX/XX/2021. I received 4 phone calls from them today XXXX, when I answered I was connected with a mortgage broker, I explained that I just refinanced and that I was not interested, she then tried to get me to refinance to do a cash out since home values are so high, she then told me she could look into getting me a better rate. She asked if my current employment and income information was still accurate along with asking if there were any liens or judgements on the property. She then put me on hold for about 5 minutes, during that time I received an alert for a credit inquiry from XXXX. When she came back on the line I asked if she ran my credit and she said yes, I told her she did not ask my permission to pull my credit and she replied that when she asked about the liens and judgements on the property it was because they may not show on my credit. I explained to her that is not considered consent to pull credit and that I never agreed to submit an application, she assured me there was no application, however, when I look at my quicken account there is an active application out there. Quicken should be held accountable for their aggressive sales tactics. Had I not been in the home finance industry for 14 years I may not have caught that she illegally pulled my credit. In addition, she did not disclose her XXXX number and by the way the call was handled Id be surprised if she is actually licensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Someone opened a XXXX XXXX credit card in my name. I tried to reach out to the company and have emails stating that it was not me that opened the account. The card went to a address I had never heard of let alone been associated with. They did NOTHING to help me fix it! Now I have disputed it and it just came back the information is correct and it stays. Only after they removed it once and than turned around and stuck it right back on for a longer period of time!! They are XXXX XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB Complaint letter So, on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 40 days later I have not received a response. It appears that me exercising my right to address my credit is being ignored or perhaps I'm being taken advantage of. Section 611 ( a ) plainly states that failure to investigate these items within 30 days is a reason is a reason to immediately remove those items from my credit report. it has been over 40 days so I'm assuming they will be deleted promptly. I am requesting these items be removed posthaste or I will be filing litigation due to the undue stress this matter is causing me in my financial life. I am positive that my information was also impacted by the XXXX data breach possibly gotten into the wrong hands of someone who is not me! 



This is not a regular dispute, I have filed a complaint with the FTC and the XXXX if I recollect correctly none of these items are mine. According to section 611 ( a ) states failure to investigate these items gives just cause to remove from my report within 30 days. 
So far it has been 40 days. Please help me rectify this at once! Id like to see this removed at once.

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 2021-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
They are mailing me the same collection letter for same account same amount multiple times a week. I wish I had kept all of them but the ones I have are dates XX/XX/2021 XX/XX/2021 and XX/XX/2021. Its harassment! I know I owe the money I just cant afford to pay it. The hospital is already garnishing my state taxes for it. Between my health issues and my daughter having XXXX XXXX  I can not afford to pay off the almost XXXX they are harassing me for. Its just a constant reminder that Im failing and I dont even want to check my mail anymore because of Franklin collections

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I received a call from " Paypal Fraud '' department stating that a closed PayPal account was reopened and orders were pending. The email was closed. My US phone number remained the same, and therefore they could reach me. I asked them to cancel all orders as they were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: OR

Complaint narrative:
Applied for US Bank XXXX XXXX XXXX XXXX XXXX. 

The card requires that you have a prior relationship with US Bank so I opened up a CD. 

Following opening up a CD I applied for the card. 

My application was denied. I met all the stated underwriting criteria. When I called card services I was told I had to have an account for at least 5 days prior to applying for this card. I asked how was I expected to know that. The representative indicated that they thought it was in one of the disclosures but was unable to provide me the specific reference. 

I informed the representative that the denial letter stated three possible reasons none of which included length of relationship with US Bank. The representative told me that the denial letter is always the same and not to worry. 

The card services representative informed me that I could have a banker from a branch to call to have the application reviewed and that could take XXXX days. I have heard nothing since. 

The incorrect reason for denial of credit, and the lack of transparency on what exactly is required to qualify is frustrating. While I have been told verbally that I would be approved. The lack of effort to help resolve my concerns throughout the organization was frustrating. 

The process was opaque, the denial reason inaccurate. All I am looking for is for US Bank to provide prospective customers clear underwriting criteria and accurate denial letters if a credit application is denied.

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 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Again, Portfolio Recovery HAS NOT submitted the data to the credit reporting agency as they stated. If so, then the data would have been removed immediately like it was described by the Credit reporting agency once they received it from the creditor. Like I previously stated, they said it would be removed. It is not. it's passed the 30 days they have not updated it as paid or attempted to remove the credit line. I will continue to open a CFPB dispute until this is resolved or they are in prison for making false statements. I want them to furnish the transaction ID provided by XXXX showing that they actually sent the data. There is a transaction ID for all data submitted to the credit reporting agencies. It is there specifically to provide a tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB Complaint letter So, on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 40 days later I have not received a response. It appears that me exercising my right to address my credit is being ignored or perhaps I'm being taken advantage of. Section 611 ( a ) plainly states that failure to investigate these items within 30 days is a reason is a reason to immediately remove those items from my credit report. it has been over 40 days so I'm assuming they will be deleted promptly. I am requesting these items be removed posthaste or I will be filing litigation due to the undue stress this matter is causing me in my financial life. I am positive that my information was also impacted by the Equifax data breach possibly gotten into the wrong hands of someone who is not me! 



This is not a regular dispute, I have filed a complaint with the FTC and the XXXX if I recollect correctly none of these items are mine. According to section 611 ( a ) states failure to investigate these items gives just cause to remove from my report within 30 days. 
So far it has been 40 days. Please help me rectify this at once! Id like to see this removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I had this debt removed off my credit report many of times. Then before I know it that goes to another report agency under a different name and it appears on my credit report.

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 2021-12-10 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 — Problem with personal statement of dispute
Company: Checkr, Inc
State: CA

Complaint narrative:
Someone opened a XXXX XXXX credit card in my name. I tried to reach out to the company and have emails stating that it was not me that opened the account. The card went to a address I had never heard of let alone been associated with. They did NOTHING to help me fix it! Now I have disputed it and it just came back the information is correct and it stays. Only after they removed it once and than turned around and stuck it right back on for a longer period of time!! They are XXXX criminals!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I request a copy of all dispute results and documentary evidence from XXXX, and XXXX mailed to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I had this account removed off of my credit report many times. Then it will returned on my credit report under a different reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I request a copy of all dispute results and documentary evidence from XXXX, and XXXX mailed to me

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I request a copy of all dispute results and documentary evidence from XXXX, and XXXX mailed to me

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 2021-12-10 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: NY

Complaint narrative:
I stated that this is not my account and no one responds back to me from the credit reporting agency

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 2021-12-10 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: TX

Complaint narrative:
I received my consumer report from LexisNexis. When I got the report I noticed several harmful mistakes that were being reported on my consumer report. One of those mistakes being is a driving violation in particular a " NO VALID OL M1 '' Case # XXXX. This error in they're ( LexisNexis ) reporting is a serious mistake and a violation of the Fair Credit Reporting Act. Seeing how I've always had my driver 's license this CAN'T POSSIBILY BE ME. I understand mistakes happen and there's a chance that my information could have gotten mixed up with someone's else information ; but this mistake need 's to be corrected and deleted from my consumer report ASAP. If not I'll file a lawsuit against LexisNexis to enforce my rights under the Fair Credit Reporting Act section FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). For defamation.

Company response to consumer: Closed with explanation