vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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: VA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2021-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital One XXXX to dispute again, a late payment reported on my credit XX/XX/XXXX & XX/XX/XXXX. I had a XXXX Walmart account since XXXX. I was never late since I had automatic payment set up. I recall receiving calls from XXXX representatives back around XX/XX/XXXX & XX/XX/XXXX who would identify as Capital One & since I had never opened an account with Capital One I thought it was a scam. They never identify themselves as calling from Walmart Capital One. I did not receive a statement from Capitol One at all or else I would have opened it. Around XX/XX/XXXX The way I found out I had an opened account with Capital one was through an APP, XXXX XXXX. I called Capital One & was told my XXXX Walmart was sold around XX/XX/XXXX & opened a new one around XX/XX/XXXX. I was told I had a past due {$340.00} which I paid that same day. They switched my account but failed to transfer my automatic payment. It was their fault for not continuing my agreement to process my monthly payments automatically. I have had over 15 credit cards and never been late due I have autopay with all accounts. I submitted a direct investigation to Capital One on XX/XX/XXXX. I called on XX/XX/XXXX for status & a very condescending, rude supervisor named XXXX ( id # XXXX ) got very defensive when I asked for results of my investigation. XXXX claimed I was notified via USPS back in XX/XX/XXXX of the changes & that Capital One had a tracking number confirming I received the notification. XXXX refused to provide me with the tracking number saying it was 'proprietary information ' & could not be given to me. I requested to speak with someone else, she refused, said several times she 'was the highest level for the matter & there is no one higher than her ' I could speak to. She basically said if I did not like her information to write in a complaint, and after asking a few times for someone else she hung up on me. I want theUSPS tracking number provided to me & I want someone who is willing to help me contact me or remove the late payments reported in XXXX removed from my credit. My phone number is XXXX, email now is XXXX, mailing address is XXXX XXXX XXXX, XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: PA

Complaint narrative:
On XX/XX/2021, Transunion failed to fix the errors on my credit report and decreased my credit score by 22 points. My auto loan with XXXX XXXX XXXX XXXX was paid in full but my score was never updated or increased. In addition, my account with XXXX XXXX XXXX was updated as improved due to the account being refinanced but Transunion marked it as a negative on my credit report. 

Transunion is failing to update or correct the errors on my credit report on time and is not increasing my credit score when my accounts and balances are paid off.

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 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
I did a password reset from my laptop to access my account on XX/XX/XXXX. It said it didn't recognize my laptop or phone I'm using as a registered device. I submitted a ticket on XX/XX/XXXX and an auto response said 4-5 days to review. I haven't had any response since even on XXXX  and XXXX. There is no customer support to talk to. Currently I have over XXXX in the account and I need to access account for taxes. This is very stressful. Please help, thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08 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: MS

Complaint narrative:
Experian Credit Bureau is continually violating my rights as a consumer as well as violation the law by illegally reporting an account that I have disputed with evidence that belongs to someone else, has an address attached to someone else and ACTUALLY REPORTING THAT PERSONS NAME on MY CREDIT PROFILE under personal information. Additionally, because Experian refused to remove this account and it was causing me great detriment, I attempted to resolve the account, and Experian reported it paid 47 % at {$1500.00} from XXXX XXXX, 2021. Now, they have changed it to 0 % paid and changed the originals amount due from {$2900.00} to {$3300.00}.

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 non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
PayPal let hackers steal my money. I had an issue transferring money to my bank account. I had just gotten laid off with no unemployment comp. In the pandemic with XXXX kids. Someone sent me XXXX dollars via PayPal couldn't get it to transfer, so I then tried to contact pay pal. Could only find email. Very upset needing someone to talk to at PayPal. I searched PayPal phone support.. and up came a phone number. I proceeded to call. The guy asked me to download an app called any desk. He then took the money from my PayPal account and bought a gift card to XXXX play for XXXX dollar. Him knowing there policy that nothing would be done about it AT ALL. At the time I sent PayPal the phone number the guys XXXX XXXX  info screenshog of date and time called. Proof the system denied my transfer 3 times. Nothing done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I Have Filed an Dispute In Regards To The Incorrect Inquires Reported On My Credit Its Been Well Over 30 Days and I Have Not Received Any Investigation Results. 

Company : Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Inquiry : XXXX XXXX Inquiry Date : XXXX Inquiry : XXXX XXXX Inquiry Date : XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Date : XXXX Last Four Of Social : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient continues to contact me and I assume other borrowers for repayment of federal student loans, despite the federal governement 's deferment of student loan payments and interest until XX/XX/2021. They are asking for payment during this time, despite knowing that it is not required of borrowers. In addition, when I have attempted to contact Navient by phone, their representatives are appearing to be unaware of the government 's deferment of student loan payments and interest. They have also told me that it is my responsibility to contact them to have payment and interest deferred until XXXX, which is false, as borrowers are NOT required to do anything to take advantage of this deferred period until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
In XXXX of XXXX I had borrowed {$3200.00} from one main financial at an annual interest rate of 26.36 %. 
My monthly payment was XXXX which I paid all the way up till XXXX. So XXXX, XXXX, and XXXX. 
My pay off amount on XX/XX/XXXX of XXXX was XXXX. I spoke with the representative at the XXXX office if I could pay XXXX and pay off the rest over the next few months. She said yes. Made a XXXX $ payment to the principal. Therefore the balance of my loan should have been XXXX. 
I continued my XXXX payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. Come XXXX I called and said there's no way I should still be paying on this debt as I had paid 5 months at XXXX $ which was almost XXXX XXXX Yet my balance was only XXXX in XXXX. They gave me a payoff amount in XXXX of XXXX which was XXXX. 
I filed a dispute with them and complained and said this can not be right. 
They never contacted me once..in XXXX I contacted them after I have completely stopped my payments in XXXX. They said they thought their credit team would reach out. ( They didn't ). Now in early XXXX of XXXX I contacted them again as no one has still contacted me and it showed up on my credit report. They assured me someone would call to get this debt resolved which they now say is over XXXX XXXX It is now XXXX. No one has contacted me and I feel I've been badly mistreated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: NJ

Complaint narrative:
I sent dispute letters to Transunion and XXXX credit bureaus months ago and I have signed proof that they did receive the letters and I received no response from Transunion. In my letters to Transunion and XXXX, I submitted direct proof from credit reports of inaccurate information from all three bureaus which had wrong dates, inaccuracies with payment history and other violations. For e.g., 120 days late reported 30 days after an on-time payment was made, accounts closed from years ago still reporting a charge off every single month to this date and showing different account reporting dates from the three credit bureaus as well as collections that I have no knowledge of. For these collections accounts i would like documentation from the collection companies that reported these collections with my signatures, signed contracts that prove that these collections are indeed mine mailed to my address if none can be provided I want all collection accounts deleted. XXXX  have since deleted all inaccurate and closed accounts and collections and I am pleased with their investigation. I have made requests to have these same items DELETED from my credit file with Transunion and XXXX and its been well over 90 days and no investigation or follow up have been done from either of them. I am requesting that all closed accounts and unverifiable collections that can not be proved with documentation be removed from 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 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The debt thats on my credit report is paid and/or has reached its max time of being on my credit report but, have not been remove.

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 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
I have my mortgage through Planet home lending. This company has not paid the taxes on my property. This has been going in for months. I was notified of the problem in XXXX. Since then I have sent documents, filed complaints and email them regularly. Here it is in XXXX & they problem has not been solved. I have spoke to the taxing agency who reported that Planet has yet to reach out to them. I am constantly given the run around & supervisors don't take my call & don't call me back. I am now being sent to collections because Planet will not pay the taxes to the school district or township that is owed & past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST MIDWEST BANCORP, INC.
State: WI

Complaint narrative:
I opened a checking account on XX/XX/XXXX to qualify for a {$300.00} sign up bonus based on the following terms : " First Midwest is offering a bonus of {$300.00} when you open a new checking account and complete the following requirements within 60 days of account opening : Make 10 debit card transactions of {$25.00} or more Make deposits totaling {$2500.00} or more Enroll in online banking and e-statements Check your account balance on our mobile app Once all requirements have been met, a {$300.00} bonus will be issued as a credit to the account approximately 120 calendar days after account opening in branch or online. '' I made a {$2500.00} deposit on XX/XX/XXXX, enrolled in online banking and e-statements upon signing up in XXXX, logged into the mobile app to check my balance on XX/XX/XXXX, and completed my ten debit transactions of $ XXXX on XX/XX/XXXX. 

I messaged the bank on XX/XX/XXXX asking when I might expect to see the bonus. They told me I would need to speak to a customer care agent, and subsequently an agent escalated the issue to her supervisor on XX/XX/XXXX. 

I am now on day 134 since opening the account, with no sign up bonus posted.

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 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The debt thats on my credit report is paid and/or has reached its max time of being on my credit report but, have not been remove.

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 2021-03-08 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: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
It is my mortgage and the fraud on these loan modifications! I found out my 30 year mortgage is now extended over 40 or more. Years?? I moved in XX/XX/XXXX. I am XXXX now. I can not lose my equity i always paid and battled 2 XXXX  which made me eligible for loan modification. However! 3x I was increased and the servicer added extensive years and fees when I was just 30 days late or maybe in XXXX with a major water emergency which I paid XXXX in excavation outside my condo. Not even my responsibility. But since XXXX I lost XXXX net a year overpaying! Taking all my savings and to be trapped in yet another mod for crazy number of years. It stole my equity! It took my mortgage out where I will be stuck in my XXXX paying! No! These services are all doing it wrong and this is why there are so many complaints. I know the law as a XXXX XXXX XXXX. I saw it happen to my customers and it is now happening to me! I was very XXXX  on XXXX XXXX past 6 years. I am finally well and addressing all these mistakes. They must correct my account. My home was only XXXX 20 years ago I put XXXX down. I refinanced only one time in XXXX to pay XXXX in credit card debts. I never took any cash out. Ask XXXX XXXX to tell you my loan balance and see what now mr cooper repeating the same mistakes that seterus who close their doors and prior XXXX They all fraud. I am living proof and it ends here!! 20 years of equity and why am I am homeowner losing???? Unacceptable tactics and must be corrected. I am not going to be able to keep up this pace and be stuck paying in my XXXX from owning my home at XXXX now XXXX! They are robbing home owners on these loan mods they are transferring names and repeating the same crooked tactics the services and banks robbing home owners. It must end. I have a claim in with XXXX XXXX I opened a case. I will take this to the news if we don't correct it. Also I want my modification of XXXX or XXXX back enough once I found out my class action only paying each home owner XXXX when I lost XXXX that was needed for my savings and the number of years when I was on time for all 20 years maybe one month late. It has to be updated and corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: SC

Complaint narrative:
I have been impacted by Covid 19 laid off in XX/XX/2020. Then back to work 3 weeks later. My husband had to shut down at the XXXX  3 weeks However When I returned back to work it was partime, ( still am ) my husband clientele decreased. Our XXXX children are at home doing school. We have to buy love s of food. 
My financial institutions Homebridge has not help me during this time of me requesting help I need. We have filled out paperwork to prove our hardship, after sendIng in paperwork over a year now. We were told they didnt receive documentation. And kept sending in paperwork I have email proof of it all. We have been denied Assistance. After denial we tried to do a refinance but was told we are not making enough at this time. 
I sent an appeal letter they said they will get back to me within 30 days. 
I have learned that we actually dont need to fill our extension paperwork for assistance According to the CARES ACT. But this company has me filling out paperwork for an entire year of COVID and just recently sent a denial letter in XXXX. Please help me they are not helping or even letting you know you dont need a lot of paperwork to get help Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: VA

Complaint narrative:
On XX/XX/XXXX I called Portfolio Recovery and asked to settle the debt for {$250.00} the woman was not willing to allow me to pay by check or send me a pay for deletion letter. She insisted I pay the same day and they would consider this debt settled for {$250.00}. They kept telling me the entire call is recorded so there is a way to get those recordings. They told me I settled it for XXXX but on the credit they only decreased the amount they are still telling me I owe money. They lied to me and did not remove this debt that I settled with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: MI

Complaint narrative:
Tried to withdraw money XX/XX/2020 and then closed my account and still am awaiting funds from Axos bank.

Company response to consumer: Closed with explanation