vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 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: ONEMAIN FINANCE CORPORATION
State: PA

Complaint narrative:
One XX/XX/XXXX, I spoke with XXXX XXXX of OneMain Financial about refinancing my existing loan account with his office. As someone with an impeccable payment history as a OneMain customer since XX/XX/XXXX, I had no reason to believe a " hard '' inquiry would be done into my XXXX  and XXXX  credit files nor did he make it clear to me that he was going to do so. In a recent review of my various credit reports, I noted that against my wishes and knowledge, on XX/XX/XXXX OneMain Financial did in fact make " hard '' inquiries into both of my files on XX/XX/XXXX. Earlier this week, I spoke with XXXX XXXX, my local OneMain Financial Branch Manager about this and he acknowledged the " misunderstanding '' and agreed to get the inquiries removed, once I faxed a formal request for this to his corporate offices, something I had already done several days before. When I called the corporate offices today, XX/XX/XXXX, to follow up on my request for deletion of the improper inquiries, I spoke with an extremely arrogant, condescending, bureaucrat of a woman who spoke very quickly and failed to provide her name to me clearly. While acknowledging that there had been numerous issues with OneMain branch offices giving out misleading information about " hard '' vs " soft '' inquiries to exsting OneMain customers, she stated that unless the inquiries were done fraudulently, OneMain was unwilling to delete them as a matter of corporate policy. Frankly, I know this is NOT the case as when I originally applied for my loan with OneMain Financial in XXXX of XXXX, numerous inquiries were made into my same credit files over two days and when I complained about this, the multiple inquiries were in fact deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: M&T BANK CORPORATION
State: VA

Complaint narrative:
My account was delinquent through no fault of my own. My credit card account was setup for automatic/reoccurring payments but my final transaction was not processed as such. My account balance before, during and after the non payment provides more than enough evidence to support the fact that I had the wherewithal to make the payment. This issue has and continues affected my ability to purchase a home. 


Made full payment on XX/XX/2020 ( Same day, I received the notification on my credit reporting app )

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 2020-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MI

Complaint narrative:
Over {$23000.00} stolen from Cashapp with no explanation or response to any of my support requests. This is unbelievable! I am a XXXX XXXX I run a XXXX XXXX there is no fraud nothing suspicious. They haven't answered ever. Not once. Why did you refund the unemployment benefits why wont you answer via cashapp support, email, XXXX, XXXX? This is the most insane life ruining thing you can do to someone and not have a phone number to call. I'm so angry you can't even imagine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2004 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2004 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$360.00}

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 2020-05-29 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$360.00}

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 2020-05-29 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX- Disputed Discover incorrect last date of activity of XX/XX/XXXX with 3 credit bureaus Last date of activity was XXXX/XXXX  XXXX. There is no way it could have been any later than this, because I was XXXX  XX/XX/XXXX-XX/XX/XXXXOn or about XXXX- responses from credit bureaus did not have any information about how they concluded the information was correct. 

XX/XX/XXXX, XX/XX/XXXX- Contacted Discover to address the error. 
They confirmed there was a credit of {$2.00} which was given on their part, but the rep could not explain what this was for. However, it was not a payment on my part. 

XXXX- Discover Last date of activity XX/XX/XXXX. 

Therefore, both Discover and Credit bureaus are in violation of Fair Credit Reporting. Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: TX

Complaint narrative:
XXXX- Disputed XXXX incorrect last date of activity of XX/XX/XXXX with 3 credit bureaus Last date of activity was XXXX/XXXX  XXXX. There is no way it could have been any later than this, because I was XXXX XX/XX/XXXX-XX/XX/XXXXOn or about XXXX- responses from credit bureaus did not have any information about how they concluded the information was correct. 

XX/XX/XXXX, XXXX- Contacted XXXX to address the error. 
They confirmed there was a credit of {$2.00} which was given on their part, but the rep could not explain what this was for. However, it was not a payment on my part. 

XX/XX/XXXX- XXXX Last date of activity XX/XX/XXXX. 

Therefore, both XXXX and Credit bureaus are in violation of Fair Credit Reporting. Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: TX

Complaint narrative:
I disputed my Experian credit report for saying I had made late payments to my mortgage company, XXXX XXXX. They were incorrectly saying I had by been late on my mortgage by more than 120 days for four months. 
This information was incorrect. 
I started the dispute process on XX/XX/XXXX. 
After a separate complaint to the CFPB about XXXX 's handling of this situation, XXXX sent a letter on XX/XX/XXXX saying it communicated to all three credit bureaus that my report should show paid-as-agreed and not late. 
The other two credit reporting bureaus show this information accurately and confirmed by phone that there are no negative marks on my credit from XXXX. 
Experian still shows it as negative. 
I submitted the letter from XXXX earlier that week to show this was not the case. 
I called Experian and they said XXXX told them on XX/XX/XXXX that it should be marked as negative. 
Experian said it will take 30 days or more for them to investigate an issue that's already been investigated and found in my favor. 
This is unacceptable.

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 2020-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to get my {$250.00} loan I have been receiving and paying off for months via XXXX, but PNC is changed the verification process and now the app is not operational with PNC. However, PNC was certainly able to take the money out for the app without issue ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX {$740.00} XXXX XXXX, XXXX   XXXX {$530.00} XXXX/XXXX  XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Around XXXX a mortgage company named Green Tree took over the mortgage for my home. Green Tree forced placed flood insurance on the house, flood insurance I had already purchased out of pocket. I had escrow for one year when I bought the house in XX/XX/XXXX, after that I dropped the escrow and started paying bills associated with the house out of pocket. I tried to resolve the issue of the forced placed flood insurance with Green Tree,  sending them proof of insurance several times but was met with threats of forclosure and demands that I leave my home. It got to the point where they did start forclosure proceedings and refused to accept any payments I made towords my mortgage. I couldnt even make any future flood insurance payments because my money would always be returned to me but they allowed me to continue to pay for the home owners insurance and the taxes. I have an attorney who I expected to help me out with this problem. Considering the fact that Green Tree had multiple complaints and even lost several, multi-million dollar, class action law suits against them in reference to this situation, I thought this matter would have been resolved a long time ago with a ruling against Green Tree. To make matters more complicated, Green Tree is no longer in business. Now it is getting down to the wire, I received a call from a stranger, not my lawyer, to inform me that my house is scheduled for a sheriffs sale to be held in XXXX. I know its late and cutting it close but I am at the end of my rope and I am hoping that this letter reaches someone that can help me before I get kicked out of my home. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I purchased my home XX/XX/XXXX during XX/XX/XXXX when the federal government shut down I was unable to pay my mortgage so the federal government ordered that mortgage companies couldn't report adverse reports to the credit bureau because people couldn't make their payments so the mortgage holder put me on a forbearance and stated " they wouldn't report me to the credit bureau for missed payments, LIE they reported me and when I applied for a new mortgage to purchase a new home my credit score went down tremendously, so again this year when the COVID-19 pandemic occurred there was another law that mortgage holders couldn't report any bad information about payments but again my mortgage holder is reporting me as being LATE which adversely affects my credit score. I have the document showing that I have no payment due from XXXX, XXXX AND XXXX. I was promised on numerous occasions that the forbearance wouldn't affect my credit and that I would be reported as 'paying as promised ' and paying on time. even by my relationship manager that is handling my account.

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 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been a customer of TIAA XXXX  for several years. Every time I make a deposit they hold on to my money for a full week before releasing the funds for me to use. This has happened numerous times. My e-mail messages to TIAA XXXX  employees including to their Risk Analyst XXXX XXXX and to their CEO XXXX XXXX have been ignored. They have promised many times to look into this and call me back but have never kept that promise. They are now holding on to {$820.00} of my money since XX/XX/XXXX due to a charge request from XXXX and are ref suing to release it until XX/XX/XXXX even though XXXX has released their charge request because I had canceled my order. This is not only infuriating and irregular but possibly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Sprechman & Associates, P.A.
State: FL

Complaint narrative:
On XX/XX/2016, I was the victim of identity theft, when my brother XXXX XXXX, opened ( 2 ) checking account with XXXX XXXX XXXX XXXX  accounting ending in XXXX and XXXX. He attempted to finance a truck and wrote a check to XXXX XXXX XXXX in the amount of {$2500.00} on account No. XXXX which at the time was closed due to account abuse. XXXX XXXX, XXXX guaranteed the check would be paid, they in paid XXXX XXXX. XXXX XXXX  XXXX XXXX, as successor in interest to XXXX XXXX XXXX XXXX XXXX seek to recover the {$2500.00} from me by a civil suit seeking damages over {$8000.00}. In late 2016, I notified XXXX XXXX, XXXX, that I am a victim of identity theft and the debt is not mine. XXXX XXXX, XXXX, sold the debt to XXXX XXXX  XXXX, XXXX, after I informed them that I was a victim of identity theft. 

The XXXX XXXX XXXX Sprechman & Fisher, is the debt collector in this matter and have been notified that the debt is not mine and was fraudently obtained by identity theft. I am now being sued by this company in XXXX County Court XXXX JDC, case No. XXXX. I have filed a police report in this matter and am actively working with the XXXX Police Department, Detective XXXX XXXX, Police Report No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have used PayPal personal transfer feature for years to receive and send money from friends, family and acquaintances. These personal transfers are widely advertised by PayPal as free and I've never had any issues with it. Even when people transferred money and mistakenly classified as a purchase, I would simply refund the money and have that person send me the money as a personal transfer. Every time, PayPal had simply refund me the transaction fees. Apparently they changed their policy and decided they will no longer return any transaction fees even in the case where the person sending me the money clearly made a mistake and classified the original transaction as a purchase. Furthermore, their money transfer workflow is deceptive and designed to trick new users into sending money as a purchase as opposed to a personal transfer. This is unacceptable. I was meant to receive {$6000.00} and PayPal refuses to return 3 % in fees even though it's very obvious that the person meant to send me a personal transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX {$740.00} XXXX XXXX, XXXX   XXXX {$530.00} XXXX/XXXX  XXXX {$1100.00}

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 2020-05-29 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX {$740.00} XXXX XXXX, XXXX   XXXX {$530.00} XXXX/XXXX XXXX {$1100.00}

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 2020-05-29 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: AR

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for XXXX XXXX  XXXX asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} XXXX  XXXX {$270.00} XXXX   XXXX {$250.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$43.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This letter is being sent in response to notices sent to me from these companies and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please show proof of accounts and verification trail and notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Comerica
State: NY

Complaint narrative:
After attempting the close an account with Comerica Bank 5 years ago, the company kept the account open and did not transfer the funds as requested. Instead they deducted XXXX $ a month for 5 years without notification till they overdrew the account. 

Once notified of the overdraw, they demanded that we wire money to make the account whole before they would close it. We acquiesced and sent money to close the account, however the bank then charged a wire transfer fee and again refused to close the account till we paid even more money to close the account. 

This has been a complete scam and waste of our time and money.

Company response to consumer: Closed with explanation