vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX I had a Bankruptcy filing placed on my credit report after my Social security number was comprised and taken over by a completely different social Security number. This was dismissed due to Identity theft. I have asked for this to be removed from all 3 credit bureaus to no avail. In XXXX of 2020, this happened a second time and was again dismissed at the federal level, due to fraud. Please help me to remove this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Purchased items on XXXX on XX/XX/XXXX from scam seller XXXX who and goes by 2 different names, XXXX XXXX and XXXX XXXX of XXXX, MI ( possibly 1 other state as well ). Items were mini beauty samples ( about XXXX in total ). They were all advertised as BRAND NEW. Sale was agreed to by both parties on XXXX ( have fully documented sale post and 1-1 conversation with seller ) and transacted through Paypal goods and services. Seller sent package but many items were missing, and many items were used/empty. Contacted seller for many weeks to give her a fair chance to respond, but she never responded - she ghosted me. In the meantime, another XXXX XXXX/XXXX user contacted me telling me she saw the purchase I made and asked if I received my items. I told her I did, but many were missing and empty. She told me she also agreed to purchase items from the seller and sent the seller {$100.00} through paypal, but never received anything. We stayed in touch as we both tried to contact the seller multiple times over the next couple of weeks, but the seller had disappeared. We both opened cases with paypal. Hers was fixed immediately as the seller  never sent anything and had no tracking number for that buyer. My case was taking longer since the seller did ship items though they were not at all as described or promised. XXXX strung me along for over 2 months with their " investigation ''. I replied at every turn sending them the info and documentation they requested. On XX/XX/XXXX, I missed a communication from them that required I file a police report and send it to them for my case to continue. I don't even know if the police would have taken me seriously. Because I did not provide a police report, paypal automatically found in the seller 's favor. Because their investigation took over 2 months ( was originally filed on XX/XX/XXXX ) my bank says they are unable to dispute it because they can not dispute anything prior to XX/XX/XXXX and this transaction took place on XX/XX/XXXX. Because of the egregious amount of time paypal took to complete their " investigation '' I am now out of luck with a scammy seller. Paypal has  refused to appeal or reopen the case, I was on the phone with them for over 2 hours this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: MO

Complaint narrative:
Transunion, XXXX, and XXXX  are reporting incorrect information on my credit reports. There aXXXX XXXX XXXX XXXXyments that's reporting unverifiable late payments of 30 days with XXXX XXXX XXXX, and XXXX XXXX which is the same company. 

Transunion shows that I opened an account in XXXX of XXXX and had one late payment in XXXX of XXXX, it was a revolving line of credit. XXXX, shows this same account with a different account number as a revolving line of credit with my XXXX payment on time, but my XXXX payment late. XXXX, is reporting this same account with the account number the same as the XXXX  report, but my XXXX payment was on time and my XXXX payment as late. The information is not consistent across the three reports for the same account. I have asked that this information be verified multiple times and have been unsuccessful to date. 

These same credit reporting agencies are reporting that I opened an account in XXXX of XXXX. On this account Transunion is reporting it as a revolving line of credit with one late payment in XX/XX/XXXX and XXXX of XXXX and one late payment in XXXX of XXXX. 
Equifax is reporting this same account with a different account number under the company name of XXXX XXXX as a revolving line with a late payment in XX/XX/XXXX and XXXX of XXXX. 
XXXX  is reporting this account with a XXXX limit ( the other account have no limit ) as a revolving credit with late payments of XX/XX/XXXX XXXX of XXXX and XXXX of XXXX and the account number is the same as the one on the XXXX  report. 

These 2 accounts are infact duplicate accounts and I have never paid late.

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 2020-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc
State: AZ

Complaint narrative:
On XX/XX/27, I attempted to apply online to Figure ( HELOC ) company. Their system utilizes a soft pull application without the need for the applicant to input their social security number. I almost immediately received an Adverse Action notice for " Limited History ''. However, this is incorrect. I have multiple tradelines including car loans, credit cards, and a mortgage. I have had credit for last 8-10 years and have credit scores. Actually just got approved for a car loan the other day. When I contacted the company they stated that I can attempt to reapply but information from XXXX  is " Limited History '' and N/A credit score.  However, I guarantee this information is my father who has the same name, and used to live at my house/address who happens to not use credit at all. They are declining me for a reason that doesn't apply to me. XXXX  confirmed I also do not have " limited history ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited a check from XXXX XXXX drawn on its XXXX XXXX account at XXXX A.M. on XXXX XXXX with my checking account with the Bank of America. As of today, XXXX XXXX, the check has not cleared the Bank of America! 

I called the Bank of America customer line. I spoke with a person who said that the bank was " in the process '' of clearing the check and that the funds would be available at XXXX XXXX on XXXX XXXX. 

I asked why the long delay. No answer. 

I repeated my question several more times. No answer and then the person hung up. 

There can be no excuse for not clearing a check within a reasonable amount of time which is no more than 2 to 3 days! But here the Bank of America will not clear the check for 10 days! 

Is the Bank of America using my check funds for other purposes? 

Why such a delay?

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 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
Contacted Interactive mortgage on XX/XX/2020 to apply for a conventional refinance. Verified with the loan XXXX if this will be a XXXX loan to which the loan XXXX said yes. The loan amount needs to be under XXXX in my zip code of XXXX. 

As soon as I mentioned I am self employed, the loan XXXX refused to take my application and said they don't take self employed borrowers. I told him I have refinanced plenty of times without a problem, and as recently as a couple of months ago but he still refused to even take my application. 

I also told him that XXXX XXXX  allows self employed borrowers and has clear guidelines for it, but still the company refused to take my application. 

I feel this is a clear discrimination and severely impacts my ability to get a competitive rate even though I qualify for all underwriting guidelines, have been self employed for over 10 years, and meet all the criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
It is about a XXXX car that I no longer have. On XX/XX/XXXX I purchased a used XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX XXXX. located on XXXX XXXX XXXX XXXX XXXX VA XXXX. From the time of purchase and Until no longer had the car, XXXX, I took the car to their XXXX service to get oil changes, maintenance, repair and recalls. On XX/XX/XXXX transmission stopped working on the XXXX XXXX  while I was driving near XXXX XXXX XXXX located at XXXX XXXX XXXX hey in sterling XXXX, this dealer diagnose the car, and requested over 6000 dollars to get transmission repaired. I told the dealer that I was not going to spend any more on that car since I got my Ford Service Credit car charge over XXXX dollars in XXXX, and there is no way that car could have breaking down right after, unless that transmission came faulty, and should got it repair by the recall by the dealer service center. In XXXX of XXXX, an employee of XXXX contacted me asking me to sign off the title for the car and he was going to pay for the diagnostic fee that XXXX charged. I explained the situation to him and told him he could keep the car and pay Ford Credit Motor off, he declined and said that he was only offering to pay for the car the diagnostic fee to buy the car, around XXXX dollars. Ford Motor Credit Company repossessed it on XX/XX/XXXX and send a letter stating that they got around XXXX after expenses, XXXX before expenses. Ford Credit needed me to pay them XXXX. Ford Credit mail me a letter on XX/XX/XXXX that offered me to settle the debt for XXXX dollars. I am declining for 2 main reasons find out that similar cars that were sold around the same time, same model have transmission issues and also the book value of that car is not XXXX dollars, I finished paying the Ford services credit card and I have made close to XXXX dollars on car payments and Ford still wants more money for a car that came faulty. On XX/XX/XXXX at XXXX XXXX  I have a warrant in debt hearing scheduled at XXXX general district court. The attorney for plaintiff is XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX VA XXXX. 
I am disputing charges due to transmission being faulty. Please help. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allied International Credit Corp., (US)
State: IL

Complaint narrative:
i am receiving calls of threatening nature and being harassed repeatedly and continously by 'Allied ' saying my safety is being at risked.. i have no idea who or why and the phone calls come at all times of day and night.. i am a XXXX senior citizen. 
the calls come from out of country call centers...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$680.00} XXXX XXXX  {$130.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$180.00}

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 2020-08-28 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$850.00} XXXX  XXXX {$680.00} XXXX  XXXX {$130.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX XXXX {$180.00}

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 2020-08-28 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I initiated a link to Simple Card from my XXXX XXXX XXXX. They asked for trial deposits which I provided the next business day. On XX/XX/XXXX I submitted ( from Simple 's website ) an ACH transaction of {$4500.00} from my XXXX XXXX XXXX   account. Two days later on Friday, XX/XX/XXXX, I received a secure message from Simple that the account needed verification. They asked for a bank statement, voided check, or a screenshot. I provided the full bank statement on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX the funds were deposited into my account but my account was frozen. I called into Simple 's Customer Service the same day. The CSR informed me that he had talked to people in the back office and to call back if I hadn't heard anything by Wednesday, XX/XX/XXXX. They also informed me that my documents were received. 

On Wednesday, XX/XX/XXXX I called back. Another CSR informed me that it would take 5 business days from the day I submitted documents to process. Once again, call back Friday, XX/XX/XXXX if I haven't heard anything. 

It is Friday. I don't get any response from them. At this point, I just want my funds. I don't have {$4500.00} to just give away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a Capital One Venture Credit Card. On XX/XX/2020, Capital One reduced my Credit Limit from {$15000.00} to {$5000.00}. The stated reason was low usage of the card over the past two years. I have missed no payments. I have had no overdrafts. My credit score on XX/XX/XXXX was XXXX. 
I use this card for international travel. I have been stuck at home due to XXXX and then the pandemic thus low usage of this card. Of note, {$5000.00} will not go a long way, if you are stranded overseas. 
I called Capital One on XXXX and spoke to XXXX. I explained these circumstances. He indicated that many people were " shocked '' by the credit changes. But his instructions were that the change can not be reversed. 
This action will adversely affect my credit score and potentially my ability to obtain credit. It renders harm.

There are two classes of consumer affected by this action ; 1. Consumers, like me who have the means to cancel or just not use this card and extend the credit limits with other cards. This will cause a temporary blip in credit score, but likely no long term effect. Still based on the usual assumptions of consumer reporting, this is an unprincipled practice signaling deteriorating credit. 
2. Consumers who have been adversely affected by the pandemic and who do have a change in means. These have been responsible and have not run up debt. Thus, their credit risk is limited. Still, they can not change out cards. These consumers are obliged to use Capital One services and no others. This is an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery A, added 2 derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/sold and I am no longer responsible for the accounts. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA, -- -- -- - has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: FL

Complaint narrative:
XXXX XXXX was found to be opened do to the XXXX  data breach it was deleted by XXXX  do to this being a part of the XXXX   Data breach

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 2020-08-28 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: FL

Complaint narrative:
XXXX XXXX  on my credit report was do to the Equifax data breach was already removed from XXXX Report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have been trying assiduously to close/cancel a Chase credit card issued through XXXX ( or XXXX XXXX, ending in XXXX ) since early in the year, before covid. I have tried again, in XXXX, with the same result. Their phone system does not offer an option to cancel the card or to speak to a human being. Their online system routes anyone seeking customer assistance to a blog where customers are supposed to post how they solved their problem for the aid of other customers - but it does not get a response from a Chase representative. 

I want to cancel the card. I wanted to cancel the card before the annual fee was due, on XXXX. Since this was not possible, I payed the fee of {$85.00} to prevent damage to my credit score. I believe I have a positive balance on the card. I would like the {$85.00} fee refunded and the balance remitted to me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

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

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 2020-08-28 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:
and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong I went to file my taxes to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX XXXX XXXX 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