vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
The account was settled with this company. I have obtained those records, but they are insisting that I am still responsible for the amount. They have refused to take the item off my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I called PayPal to dispute charges for XXXX booking. The dispute was closed with no resolution. Hotel tonight advised they couldnt refund my money because of a charge back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
My mortgage was bought back from HomeStar in XX/XX/2020. First payment was made XX/XX/2020 under the original loan number I had with XXXX. HomeStar changed my loan number after that payment was made but before I had a chance to update it - honestly I don't recall receiving a new loan number. So on XX/XX/XXXX my payment left XXXX XXXX  and Proof of Payment shows Homestar accepted and processed the payment under the original loan number on XX/XX/2020. On XX/XX/2020 or shortly thereafter, I started receiving debt collection calls from HomeStar, but because the loan was transferred I was still under protection of late fees. At that time I called back and let them know I paid - a ticket was opened but the gentlemen refused to take my proof of payment from XXXX. I called 2 days later because that first gentleman was rude. 2nd guy reopened my ticket - it was closed because there was no proof of payment ( which I asked if I should send ). It was closed without my knowledge. I got another phone call but this time sent the proof of payment on XX/XX/2020 - never head back. Called again - they had to reopen the ticket again - resent proof of payment on XX/XX/2020. Finally contact my mortgage provider who got me in touch with corporate. XX/XX/2020 received a message from corporate asking me to confirm the address - even though it is on the proof of payment. I called same day and left a message. Got a call back XXXX - she was on vacation and sorry she didn't get back to me sooner. XXXX asking for more information - I already send proof of payment and that's all they need. message back on XXXX - we are working on this! XXXX - harrassing messages have picked back up. I was told the messages would stop, but they didnt. It has now been 30 days since HomeStar took {$1700.00} from me and refuse to post my payment despite sending proof of payment to 2 people in Customer " Care '', 1 mortgage lender, and 3 people in corporate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I can see that your have a total cashback of {$24.00} on your account, you can redeem it in chat or in call. 
-I never said anything about redeeming but and my cash backs never show up in my account -Citi DoubleCash 1 % buy,1 % when you pay Payments : XXXX statement : XXXX XXXX XXXX $ XXXX = XXXX $ Citi gave me XXXX $ cashback instead XXXX statement XXXX XXXX XXXX $ XXXX XXXX {$0.00} in return

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am an authorized user on XXXX XXXX account # XXXX, a credit card with a {$3500.00} limit and very low balance. 

This company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home, Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.

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 2020-04-08 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: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I was involved in getting a hardship mortgage through bank " Fifth Third ''. Was told while in process, my missed payments would not go to credit report. Was given a hardship option. I closed " selling home '' before needed to use this option. Found that they had reported missed payments to credit bureau, after being told they would not. Company will not let me hear taped conversation 's. Had I been told correct information. I would not have missed payments. As this going on, I had XXXX. Money went to medical bills. Just want bad report off credit. This is my only blemish. Several phone calls involved. Most important on approximately XX/XX/2020. Last spoke with XXXX XXXX XXXX. She said I misunderstood. I asked, what reasonable person would think, she would not answer direct question. Mortgage was paid in full, before XX/XX/2020. Which was last day, I had to make first payment on hardship loan. I was sent letter after last call, saying issue XXXX was opened. XXXX XXXX said issue was not going any farther.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by 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 2020-04-08 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: MD

Complaint narrative:
XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am an authorized user on XXXX XXXX account # XXXX, a credit card with a {$3500.00} limit and very low balance. 

This company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home, Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am an authorized user on XXXX XXXX XXXX  account beginning with XXXX, a credit card with a {$600.00} limit and no balance.

T

his company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home. Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.

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 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was supposed to get a payment of {$600.00} from XXXX XXXX, a XXXX XXXX XXXX   program with Social Security XXXX, which I am currently on since XXXX, within 7 -   10 days from XX/XX/XXXX ( see emails ). Therefore, I scheduled payments, which included my car payment for {$440.00} on XX/XX/XXXX, a credit card payment of {$64.00} on XX/XX/XXXX and another credit card payment of {$54.00} for XX/XX/XXXX relying on the fact that the {$600.00} payment would have already been posted to my account. The other charges for {$5.00} and {$6.00}, in which I got insufficient funds fees for when, in fact charged in error, because I signed up for a 30 day free trial with XXXX XXXX XXXX through XXXX XXXX  and I am now working with XXXX  to get those charges credited. I am emailing XXXX and communicating with XXXX as of XX/XX/XXXX in customer service to have those charges reversed. So far, the total amount of insufficient funds fees is {$170.00}, but I still have 4 charges pending and I am not sure if those will incur insufficient funds fees as well. So if they do, I would like those credited as well for a total amount of {$300.00} in insufficient fees funds. The XXXX charge for {$28.00} is a ghost card charge for an order I canceled with XXXX  and will be refunded in 5 - 7 business days. Again, the other 3 charges, XXXX  for {$7.00}, XXXX for {$31.00} and XXXX XXXX for {$40.00} were charges anticipated with the {$600.00} payment being deposited within the 7 - 10 day time frame of XX/XX/XXXX as stated in the email provided. The reasons I did not try to go through Chase Bank or Customer Service by phone is because of the pandemic. It states on the Chase Bank app that because of the COVID-19, there will be extremely long wait times if you call us and I work from 9-5pm M-F and I am in training and on the phone most of the day as well as they can  only take off two insufficient funds fees every year. The reason I did not go into a branch location is that there is no bankers to talk to. So, basically this is my only option to get this issue resolved during the pandemic. I also signed a petition that JPMorgan Chase should waive all insufficient funds fees during the pandemic, which I think applies to my case. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I purchased a " lie detector kit '' through PayPal, when the item arrived it had clearly been used ( even though it was listed as new ), the software did not work with XXXX XXXX ( registering the entire product unusable for me ), and lastly the website promoted 50 questions by a licensed, professional polygraph expert ( what I got was 42 questions that would never be on a polygraph test, perverse questions such as what I XXXX too ). I called the seller, and they agreed to refund the money if I returned the product. I sent the product back in the original packaging. A few weeks later USPS called and said the seller had refused the return due to foreign tax fees. I ended up paying {$1000.00} for the lie detector kit, which I returned, {$100.00}, for shipping back to the seller, and an additional {$58.00} to pay for the seller 's foreign fees. I contacted PayPal and asked for a refund for the product of {$1000.00}. I would accept the loss of shipping it back and foreign tax fees. I also sent PayPal the shipping receipts showing it had been returned due to " misrepresentation ''. PayPal claims if an item is misrepresented, the buyer has protection, they clearly do not honor this.

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 2020-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by 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 2020-04-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2020 I mailed 2 separate checks to USAA Savings Bank : a {$70.00} check for payment on one credit card and an {$80.00} check for payment on another credit card. These 2 checks total {$150.00}. The bank erroneously applied {$150.00} to one of the credit cards. The bank negligently did not apply the {$80.00} to the other credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am an authorized user on XXXX XXXX XXXX  account beginning with XXXX, a credit card with a {$600.00} limit and no balance. 

This company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home. 

Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was going through financial hardship momentarily & contacted the credit card company to work out a payment plan and an extension. The extension was not granted and at the time I didnt know who to contact for help getting an extension or disputing the unfair judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Months of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX this bridge crest company reported me as late when a payment plan was established. Company now stating no matter if a satisfactory agreement was in place they still need to report late. Have tried to speak with them directly, wrote letters yet still they report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: WI

Complaint narrative:
I filed for chapter XXXX bankruptcy and then converted my chapter XXXX case to a chapter XXXX, which was approved and discharged by the Bankruptcy Court and all debts owing were discharged effective XX/XX/2015. XXXX XXXX XXXX continues to report to all three credit bureaus that my payments are late for the auto loan debt that I had with them. This auto loan debt was discharged on XX/XX/2015. XXXX XXXX XXXX and Experian chooses not to report this correctly. I am part of the class action lawsuit against Experian who chooses not to update my credit report correctly either. XXXX XXXX XXXX has repeatedly refuses to report my discharged debt properly is in violation of the bankruptcy discharge injunction prohibiting them from trying to collect on discharged debts. I have disputed this debt over six times directly on all three credit reporting agencies of the misreporting, and XXXX XXXX XXXX refuses to fix the error.

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 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX refused to fix water damage from the above apartment. It was leaking into our bathroom and the maintenance refused to come back out to fix the issue and then hung up on me and my boyfriend. The property manger then called my phone and said that we either had to move out of the apartment or they would evict us. This all occurred during the very short period of time that we lived there which was from XX/XX/2018 until around XX/XX/XXXX or XXXX, 2018. They were slumlords and we basically complained too much. We have attempted to reach out to them to send us documentation of these charges for the debt which is inaccurate. They illegally put us out of the apartment knowing that I had to small children and just relocated from XXXX, XXXX to move to XXXX, XXXX where I have no family. XXXX XXXX is no longer owned by XXXX XXXX but whenever you call XXXX XXXX  leading office, you get the run around as far as who the new owner is. I have attempted to contact a lawyer but they stated they could not help me unless emery gardens takes us to court, which they never will because we would most likely win with all of the photos and videos of the property from day one. I never received documentation from XXXX XXXX regarding this debt. You can not put false charges on peoples credit report and get away with it because we were vulnerable at that time and I had to find another place for me and my children to live, otherwise, we wouldve been homeless.

Company response to consumer: Closed with explanation