vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 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: IL

Complaint narrative:
I have an open dispute over 30 days because XXXX checked my credit without my knowledge or consent, thus, did not have a permissible purpose for placing a hard inquiry on my TransUnion credit file on XX/XX/2020. XXXX refuses to remove the inquiry speculating that " either you or someone with your information applied for credit '' so to dispute the inquiry with TransUnion which I did twice. However, I have since learned after filing two disputes and numerous email exchanges and conversations with XXXX  executives that basically I have no right to privacy and consumer laws are ignored unless you pay the FCC and an attorney. In other words, anyone can check my credit anytime they feel like it, change information on your credit file to false information, and that if the CRA is TransUnion that it will not demand any validating documentation a.nd will not protect the consumer

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 2020-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I opened an account with Square couple of weeks ago so I can charge my clients on my website. I received the first payment without any problem and suddenly I get this email from them : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 

Any funds currently in your account balance will be held for a period of 90 days and released to you on XX/XX/2021. Theyll be available in your bank account within 2 business days. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They are retaining {$390.00} that I could be using on XXXX XXXX. I have provided them all the information they ask. They don't want to release the money before 3 months. Please help. 


Business Name : XXXX Email Address : XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
On our about XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX  XXXX XXXX  in XXXX, TX. Returning to my home at XXXX XXXX XXXX XXXX, XXXX, TX I used the toll road Interstate XXXX around XXXX. My car had TX temporary plate XXXX. On XX/XX/XXXX I received a collection letter from Valor Intelligent Processing ( XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX ) on behalf of the XXXX XXXX  XXXX XXXX ( XXXX ) with no identifying account or plate number informing me that I had been turned over to a collection agency. I had received NO NOTICE that this toll was due previously. Contacting the XXXX was unproductive and evidently they have switched to XXXX from their previous collection firm. 
I paid the {$45.00} and am not sure how much was the actual toll and how much was the agency fee. 

I am requesting your assistance in obtaining a refund for the agency fee and any record of this collection action removed from my credit report. 
My account can be accessed by my cell # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My bank Chase returned three checks to utilities during a snow storm and said that my account was still open yesterday

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: UT

Complaint narrative:
On XX/XX/XXXX I went to the online website to make my regular payment that is due on XX/XX/XXXX. Up until this point I have always used autopay. I canceled the autopay on XX/XX/XXXX so I could start making the payment early along with additional principle. When I logged into my account, there was a button to make payment which I clicked and make the regular payment. There was no option to make additional principle. It stated I would have to wait 2 days to make the additional amount. No biggie. When they applied my payment on XX/XX/XXXX, they applied the entire thing to principle and said I still have a payment due on XX/XX/XXXX. I called them on XXXX and was told they will look into the matter but in the mean time I need to make another payment. The payment is {$920.00}. I do not have an additional payment right before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received an email from Experian on XX/XX/XXXX. The email quoted " Congratulations your fico score went up! Come see what's unlocked '' then there was a button that said explore card options. Below that it XXXX you've worked hard and your credit score shows it, now see what kind of credit card offer are waiting for you. Its easy your only one click away, don't worry it won't affect your credit score '' I pressed the button where there were several credit card options and i applied for a XXXX  card thinking i was good to go, thinking my credit score would not be affected. I was denied and my credit score went down 7 points and i have an inquiry that will stay on my credit report for 3 years. 

I feel i was mislead by experian thinking my credit score would not be affected. I'm XXXX years old and i did work hard on my credit, i would never put a hard hit on my credit report. My goal is to own a home and experian and their trickery bought me down. I would like for them to remove this inquiry and put my XXXX credit score back to my credit file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My spouse and I started the Refinance process in XX/XX/2020 with Freedom Mortgage and we were told on XX/XX/XXXX that we could set an appointment to close on the refinance. we set an appointment for the end of XXXX. The closing was canceled without any warning to us. we were set to close again on XXXX XXXX and we signed all our documents. our documents were sent and the Title company XXXX XXXX lost half of our documents resulting in my identity being stolen on top of not being able to refinance in XXXX. It took Freedom Mortgage 2 months to give us a new date to close, we were set to close on Wednesday XX/XX/2020, our closing was cancelled last minute due to the title company XXXX XXXX not having the proper documents to provide. We again tried to close yesterday XX/XX/2020 and once again our closing was canceled last minute due to the exact same reason that the title company could not provide the proper documents. Freedom Mortgage has promised time and time again that they would close my loan in 6 total from the start and it has been almost 7 months of my wasted time and no one can seem to answer any of my question why this is happening.

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 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: PR

Complaint narrative:
Hello iam the owner of XXXX XXXX  XXXX open one cheking accout whit DISCOVER BANK i am recive a loan from te XXXX and deposit in the accoun of the discover bank the bank star to supplie alot of documet social numer adress one of the emolyes tell way iam make a accuont becuse i am not speek good iam servicies in th XXXX XXXX for 12 years for defend my coutry the lady toda tell my i net waite 60 day befor take may money bank for send my money back this money is frond he US govermment is a loand for pay years 30 days I net my money Back ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sr, My name is XXXX XXXX ; I have try more then once to open a basic checking account with CITIBANK N.A. in the State Of Florida and I has been declined, I don't know why. The request has been for a joint account with my wife XXXX XXXX. I feel discriminated by this bank Institution maybe do to my financial level. I like to have a explanation and see if my thinking is correct.

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 2020-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: CO

Complaint narrative:
I received an email demanding payment or I will be taken to court. They have my social security #.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: NC

Complaint narrative:
I am bringing this complaint forward as I have contacted this credit bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. 
The accounts are listed here below : XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: VA

Complaint narrative:
I am disputing the XXXX account on my credit report that says it was opened XX/XX/XXXX & is currently showing a balance of XXXX & charge off status. This account went into repayment in XXXX, was included in ch XXXX bankruptcy in XXXX and discharged in XXXX. The chapter XXXX bankruptcy pubic record itself isnt on my credit report because the bankruptcy is chapter XXXX and over 7 years old ( the record has fallen off due to its age ). This account was also included in chapter XXXX bankruptcy in XXXX, although it didnt need to be because it was already discharged prior to that. This account has been previously disputed and you have previously updated the account for me many times because the creditor goes in from time to time and updates it back to charge of status. I have been told to just call when this happens and within 24-72 hours you will fix the status back because this has been previously investigated and found in my favor. I have used this process successfully several times. However, a few days ago I contacted experian when I became aware the creditor updated this to have a balance again and the rep opened the dispute and after I heard nothing after several days I called back to check on the status and that rep said it could take 30 days. I explained I shouldn ; t need a whole investigation again for this same issue and to look in my file they can see the history of this issue. This brings down my score every time this happens and should be handled swiftly. She was no help. I received notification this morning the dispute was resolved and when I review it says it was updated, but nothing was updated. It still shows a balance and charge off status. I need this fixed asap and you need a better process for preventing this from recurring. This debt is over 7 years from the original delinquency anyway and I have no idea why it is even on my report to begin with at this point. I have attached the loan details from XXXX - this went into repayment in 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 2020-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. 

Capital One Auto XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Capital One XX/XX/XXXX Capital One XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Firstmark Services acquire my student loan from XXXX, but I am unable to locate the original master promissory note in my Firstmark online account. Also, I was not included in the XXXX student loan refund class in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have been putting extra money into escrow and principal during 2020. I wanted to insure that the mortgage note would not increase for lack of escrow. I did this the previous year and mortgage was reduced. This year it wasnt reduced but increased reason being that I was short in escrow in spite of the fact they sent me an escrow refund. It was I am not honoring this money because I made up policy for this note to increase. Nor did I get a statement that my escrow was short and I would have an opportunity to pay more money so there would not be an increase. It took them forever to send the refund check even though I called and messaged. I keep messages in TD account. The reason for the increase they said was because of there was not enough escrow. Than why are you sending me a refund. All generic answers that did not make sense. I requested all my loan history of payments. We sent them we sent them we sent them just like the check. We cant respond to messages any more call. I called no copy of what was sent we have to request it. How long do you think this will go on. This is delay and garbage. Now I dont trust them, I am almost positive they did something wrong which is why I wanted documents for a professional to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: GA

Complaint narrative:
This is my second complaint in an attempt to remedy the situation. 

My Revolut Business Account has been temporarily blocked for the last 15 weeks. I can not access the account via the app or online. 

I have attempted to contact Revolut Business via the online chat system and have not received a satisfactory response as to why my account is blocked and when I can get access to my account funds over the last 15 weeks.. my last chatRevolut requested a copy of my passport and a picture holding the passport and new banking information where the funds could be forwarded. This was provided. I have not heard from Revolut in that time. I can no longer access Revolut support using my standard credentials The customer service is extremely poor with no ability to call and speak to a bank representative. All communication is done via chat through the application. Very often responses takes several hours during a chat. 

I would just like to access my money and close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Citizens Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )

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 2020-12-18 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: NC

Complaint narrative:
I am bringing this complaint forward as I have contacted this credit bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. 
The accounts are listed here below : XXXX XXXX XXXX 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 2020-12-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am bringing this complaint forward as I have contacted this credit bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. 
The accounts are listed here below : XXXX XXXX XXXX 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